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HomeMy WebLinkAbout10-7473GyMMQN~IVEAtTH OF PENNSYLVANIA COURT OF COMMON PLEAS Judicial District, County Of CUMBERLAND NOTICE OF APPEAL FROM MAGISTERIAL DISTRICT JUDGE JUDGMENT -~ ~e~~~1r~~ ~,~ ~~ i COMMON PLEAS No. NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment.rendered by the Magisterial District Judge on the date and in the case referenced below. ^^'•'~ "' ^' • `-"-^"' mac. DIST. NO. NAME OF MDJ CAPITAL ONE BANK (USA),N.A. 09-3-05 MARK MARTIN 4851 COX RD GLEN ALLEN . , VA 23060 uA I t ur ruu~mtN r IN THE CASE OF (P/aintilt) (DBlendant)' 11/3/10 CAPITAL ONE BANK (USA), N.A. ~~$ RO~RT M. R~FIFF , CV-354-10 This block will be signed ONLY when this notation is required and Pa. ape ant s 'ant (see Pa. R.C. P.D.J. No. 10088. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial District Judge, operate as a SUPERSEDERS to the judgment for possession in this case. within (20) days after filing the NOTICE Signature of Prothonotary or Deputy [ vv r (v/ rn acuvn MUST 8E FILED twenty PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RUL~TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon Name of appel/ee(s) (Common Pleas No. appellee(s), to file a complaint in this appeal within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or attorney or agent RULE: To , appellees) Name of appellees) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. Date: . 20 Signature of Prothonotary or Deputy YOU MUST INCLUDE A COPY OF THE NOTICE OF JUDGMENTfTRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. AOPC 312-05 ~~ TNT PRX~T#~#aNpT/~RY 20IQDEC -3 PM 2:32 ctr~~~~r~a cau~r~ P'~NNSYl.WANlA ~~ ~l~ ~~~ ~~i.?5 ~~ c~~ age 5 ~ as~g3~ COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ,,~~° Notice of Judgment/Transcript Civit Case Mag. Dist. No: MDJ-09-3-05 MDJ Name: Honorable Mark Martin Address: 507 North York Street Mechanicsburg, PA 17055 Telephone: 717-766-4575 Michael F. Ratchford, Esq. 120 N Keyser Ave Scranton, PA 18504 Disposition Summary Docket No Plaintiff Defendant MJ-09305-CV-0000354-2010 Capital One Bank Robert M Reiff Judgment Summary Joint/Several Liability Individu Participant Robert M Reiff $0.00 Capital One Bank $0.00 Capital One Bank V. Robert M Reiff Docket No: MJ-09305-CV-0000354-2010 Case Filed: 9/13/2010 Disposition Disposition Date Judgment for Defendant 11/03/2010 al Liability Amount $0.00 $0.00 $0.00 $0.00 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION: YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENTlTRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. ,. ~ _ Date Ma isterial District Jud a Mark Martin °""~ ' 9 g k_~xw I certify that this is atrue and correct`copy of the record of the proceedings containing the judgment. .Date- Magisterial District Judge Mark. Martin IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. 4851 COX RD GLEN ALLEN, VA 23060 Plaintiff V S. ROBERT REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 CIVIL ACTION c~; e ~ ~ F" ~~ 1 ~1'~ ~ ~~E ~1 ~ r~-~ NO: -~ I b ~ _ , ~~° - ~'~ ~ ~~ y. i;..., ~ ~ ~ rn -~ rv z, -~ Defendant NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice to Defend are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. 4851 COX RD GLEN ALLEN, VA 23060 Plaintiff CIVIL ACTION vs. ROBERT REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Defendant NO: ,~`-~~~~ COMPLAINT Plaintiff, CAPITAL ONE BANK (USA), N.A. , by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A. , (hereinafter "Plaintiff') is a corporation with a principal place of business located at 4851 COX RD. GLEN ALLEN, VA 23060. 2. The Defendant ROBERT REIFF (hereinafter "Defendant") is an adult individual residing at 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278. 3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase and collection. 4. Defendant applied for and received a credit card issued by CAPITAL ONE BANK (USA), * with the account number 4388642571278152.(See, Application attached hereto as Exhibit "A".) 5. Use of the CAPITAL ONE BANK (USA), * credit card was subject to the terms and considerations of the Cazdmember Agreement (hereinafter "Agreement"), a copy of which was sent to the Defendant along with the credit card. 6. Defendant used the CAPITAL ONE BANK (USA), * credit card account number4388642571278152, for purchases, cash advances and/or balance transfers. 7. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card. (See, Account Statements attached hereto as Exhibit "B".) 8. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. (See, Cardmember Agreement attached hereto as Exhibit "C.") 9. The Defendant last made payment on July 26, 2009. 10. The total amount due and owing the Plaintiff including interest, is $4,406.48. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $4,406.48 plus costs of suit and any other relief as the Court deems just and appropriate. submi Edwin A~. Aamsen & Assc Michael F. Ratchford, Esquire Attorney I.D. Nos.: 86285 120 North Keyser Ave. Scranton, PA 18504 mratchford@eaa-law. co Phone: 570-558-5510 Fax: 570-558-5511 VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff, CAPITAL ONE BANK (USA), N.A. , am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. 1 ~~. u d k ~3` b u 0 0 0 ]~, 0 3 ~~ . ~ ~ ~~~ 0 0 ~ N O ~ ~~ n ~~ a ~ d' .. cn a- ~ w ~'~ a ~~,Y3 0 .~~~ a a~~ a~, by ~I r 0 O I~ tii 1 ~ _\ ` ~.' ~ ~'~ ; - Z ' ~ ~~ ~ o ~~~~ ~ .. ~ ~ S o~ 0 N M H~ as ~~ Q~ ~~ ~v L d~ o~ ~~ ~~ u dd ~~ o~~ ooh o ~ ~ . o ~ S_ ~ 3 r b ~ ,~ ' R _ " y d O a ~~ J u~a~' ~ . ~z~ ~~ ~~ ~~ ~ O Q~ ~ E`a v ~ c~ '. _ `p ~ ~ ~ b 4 • '~ d y N cx~:b~~f f- w .~ ~ x ~~~ N ~~ ~ `o ~d m ~a~ y o u $ y~ ~ ~ 9 ~o~ b M ~ Vx ° ~ °c ~ ~ e° ~~~ V ~ N ~~ ~~ M V 4 v ~~ `~~ V PLATINUM VISA ACCOUNT AUG 20 SEP 19, 2006 4388-6425-7127-8152 Page 1 of 1 Account Summary Payments, Credits and Adjustments Prew,ou Balance !2,833.44 Payments, Credits and Adjustmems !90.00 1 18 SEP PAYMENT RECEIVED -THANK YOU f90.00- Tra°IIB s.oo F`inanax Charges (55 NOTICE: Look for anew /tatement dedgn for your Capital One credit card beginning next month. .88 A summary of the key changes will be provided with your new statement. NewBalana 52,799.32 Minimum Amoum Due !83.00 Payment Due Date October 19, 2006 Total Credu Line (3,000 Total Available Credit !200.68 Credit Line for Cash f3,000 Available Credit for Cash !200.68 At your service To all CaltoraQ Rekaiona or to rq»rt a bat or Ito1m ard: 1-800-903-3637 For free onLne aorount ravite arld apaid outomer o8'aa, bg on to: www.apiblorle.com Send paymmb to: Send inquirid to: Atm: Remittance Prueaaing Capron One Bank Capiml One P.O. Bas 70884 P.O. Box 30285 Charlotte. NC 28272-0884 SLC, IJI' 84130-0285 Important Account Information Beginning October 1st, 2006, bard on your account activity you maybe aelesled more than two laze, oterlimit. or renvned check fees that ottta during airy billing period. f Fina/ra Charges PleareJae reuene ride far important infEnrnation ~ 8 .~plwd~~ Pn~uJr ~ ~~ PURCHASES CASH 52,854.63 .06315%P 23.05% 155.88 5.00 .065?3%P Xi.999i i.00 ANNUAL PERCENTAGE RATE applied this period 23.05% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 4388642571278152 19 2799320090000083004 New Balance Pkarrp.int„wit:,a addru.,d~a-a,;r~„kt ,oinga~,r,. bl~,t a,.t f2 799.32 Minimum Amount Due f83 00 snrcr c r Paymlem Due Date October 19, 2006 ~ Gry Saa ZIP Total endoeed f Home Phone Ataraa Photo Aooollm Number. 4388-6425_7127-8152 FinaO Addrca Capital One Bank P.O. Box 70884 ~~~nnl~l~~l~uu~/~~ Charlotte, NC 28272-0884 VIII IIII~IIIII IIIIIIII'I II IIIIIIIIII II ~IIIIII'IIIII IIII~111II #9026382598727561# MAIL ID NUMBER ~ ROBERT M REIFF r a~a 104 W MAIN ST B a ® MECHANICSBURG PA 17055-6278 r -~ ~ ~ ~IIIIII III! ll llll'IIIIII'11I~111II II II IIIIIII1~111II'11IIIIIII r P/eare wife yow auaunt nantdin an your c/xrk or monry order made payable to lnpital One Ban4and mail in the rnclared emrxlope. T'e, vase Paled. Yer wNl haw gipminmun prsu psdod of Z6 deya lMlltotd 6rnuaPadN Wrdlersintl~nsw~adler Whrge trenNn, tanr daryw if you psy your total 'New SNalp', in axomalp witll tM Nrportaa Notlu for gymatta pNow, arM M fhro for II n W cntdtsd by your pM aatmwt doYnp tlan. 7Mn le ro Wag good m uah advances and epadN trerabra. In arldthn, tMre h ra Qrap grlod an my trerwcdon if you do rot qy the local New belrrea.' D. Aasnilp Fklaros f7nrys. Trarwdian tNych ere not I~drt des oaluiM Nsruactlan~or~Xldhom dro das~thet 1n1MaaYlon Is prxawd n Y+ur Accent or 3) from the NM phMer day of da prfarl bNlkq grlatl. Addtlaully, if yyoauu did na qy da'New SNerrca" ban lla preNaa dNnp period M kA, flnrlp Ularpea carttlrers to axna to your uryNd balarp rattll tM aqb Wlerlp h ptld h hA. 7NS mesa ihN you may sdN owe flrtertce durpn, even If ycu qy tfa antlre New BNalp Induced on tM Tram of rw ao~io /ar~dv ~a ~ anwrom dorrq daa, but rid ero addetl b gr a~~Ne~abl morph. (NpNd }rung duryn tc. MNnaaa FYrw tllap.sfor~nch dllinb qd. ~~IW~q ppesdod cowrod W. nps wxy oerence for the oeYUrkrq bahrcs a eedl eepmam aedl day, atld arty ne trerlearxlaw to each pnerp end w6trad an a erodb. (If tM udeepq~are on the horn o1 We aatatnem wxt Io 'BNarce Raa Appled To,' we Neo suWnd any tetpeltl troop charge IncNrded in the bahrrc Of axlt egnNN.) TNe plvw W tfN dWy Wlenp of end wpnem. hat, lore add tp aN the tlNIVy bdanm far each ~~ o ~1he dphq period and dNde by tM red M in Ills bllirp gdod. Thie gaup w the avengpea daily bNerlp of each aepment. 3. ArasrN Patvllepe Reew IAPIII• a. TM tam 'Areal Parpmape Rale" may appear ea 'APR" on 1M hen of iHa aaemwt. b. It tM carts P (prime), L (3-mo. UBOR), C (Certlflceb of OapoNO, or S (SankeaM Prime) eppwre on Me barn of this tutemam wa b dra grade reblN, Mr psrlodc raw and x ANNUAL PERCENTAGE RATES may vay rfuertedy andmay Inereaw or GCner beead an tla aetw knltaa, w /Duel in 7M WiY Slnst JounN, plu tM margin geYloaNy dadoaed to you Throe drnwe wiN M e/lectlw on rile Ilret day a your IbeNli~ ~Aad~ rood by your ppsddode aaemam andnp yae' acmnc If b Me already been daead. For awmple, If you anltodzsd a purdlew hen • msrdvn end vee racNw tla traraadkn from tla merdunt alter your axrean lea been daead, your ereaan wifl W raaperled, the amaum of 1M Merya roll be added to your accent, eraMmy6aeunlWypX be reeporads br gpnan, If iMre h e to be duryed~ troche eM~rn~t, tM be wIX cpnlnue acrwren be ante Me bean qia M ifub etdaaflnld a above. 7. Wkrp Yatr Asaoud.VOUr urd or accent utnm be used in earadton with enY Imema psmHirq trannttima. SILTING RIGHTS SUMMARY Iln Caw Of Erroro Or Ouaedeu ADan Vwr 91q It you Wnk your rill Is wrong, or it you rteatl mom Inform+tlon on a tnrreclhn or 6iN, wib to v m e eagnb ehsa w non as poW6h a tM addrm yr kM+9uidp~ m tM franl of tddN~sayyaaaaamem. We mot flra tlll art v~NXdt tlla errorno~problem fist wa nm you tM eppwred. Yw can p1 Wr Ga10111a Relatlap raenbar, but dolnp w roll not pmarve~ dpMa. In your leper, giro w the kllovartp iemaat o1 the r name end sccotnt number, the daMr atapacud error, a Annipthn of tM error and en e~laratbn, ii ppN61s, 01 vdl yw bNiaw Mare b en error; a i1 you rued moro kt tM Item you ero uurrro about. You d0 not M~to~py any emarn kl qurtkn xNila xa ero Inwedpedtq N, brrl you are aril odlpatsd to qy the qm a your hhppff dot ero nor h plaadan. VAWa wa InwiaNyto your puatbn, we cemot roan you es dNinpront or take any action to cadet[ the amoum you queaian. i,t Special Rde For Credt Grd Ih+roMna If you hew a problem with 1M gwNty o1 prapeny or nMCp that you purdteea0 wdh a trod[ uM and you low Ined In good tadh to xrnct [M prdYem wIM the mardam, You may haw tM right na ro qy the nmeWnp emaen due m the property or aeryfcw. you low We protacton orflYy xArn tM Puduw grip vwe moro thin OSO.00 end rile purdaw wa marh p your hams erne a witNn 100 mNw o1 your maWnp addrew. (lf we own or agrm tla mordant, or it we mailed you da adwrtlsarnan br 1M pragrty or nrvkw, aN punrisew are pwrad reperdew o amen[ ar klcedm of purchea.) Plaaw remember to eipl aN xrrwpadarca. t [boa mt appN ro conarenw pan-credt cad xpran i Goes nai spp/y to tuahsas inn-credY card sccwnta CapitN Ore eupgrta ktfomatlan pdwcy protection: eN our wsbtlte a www.cedtalaa.cen. Capful One le a hhddserNly radaered wMp mark o/ Gplrel One Rpndel Corgralan. A~p dpma reaerwd. o YOp3 Capital One t /ICE E of •O.60 x111 G mpond. If tM coca Mlerlae durye owed lrorrr Me m of ywr pMd1o rab(a h Iw dun~0.60 weavtiN wbdtraq tfut vainer, r tt yno. uuOtd a G (3-mo. LIfKM Rapdpd MamHM apgen m the fpm of your sutaman pM to Me q msW, the gdodc retn , amoum fien rite N0,60 mkinm end the dfyronoe wMl M 6NI aM pnnpulinp ANNUAL PERCENTAGE RATES may very manroy aM msy incnws or deal b ed to tM gedyn wpmam of your exam. j'd. Tsapaary Retkrotlat Yt Firlroue prrye We ronrw d paa apd an tM aaed IrWen, ae fateW in TM Web Strwl.hwna/, PWa . u right tope ~aaeew any or ell Xrwce cheryse for arW pawn the meryin previwrly dedaeed to You. Tfws chenpee will be eHediw an the fm day of your bddnp grief ~ z. Avsrea OaIIY lalalee 1 Maur Ptrdwnl. e. Rrwroa tlurps N cekaJaw y muniplylnp tla MNV 4. Aenspnan of Lea. OtrarlrrrN: eM RMarled Y w Mt Oelags of aanA aapmam of your axoun y.0.. cash ~, Ptadlan, apadN fnrahr and epadN pedant our acrwtm wNl bs aanwad ro moo Men t o a M tees Iaad Mre dot oawr duhq wry awry period. Under tfa t f , 6 7M xrrwPOrrdrq deNy grlodc ratNN tMt Ito beat ProNauely d t r b esd to you. At the end o1 wdr tley during ame o you rantanar agroamam, we rowrw 1M right to vwlw a rot to eeaaw any few xAthout pda nodfludon to vAtMU weivk ri h p e d p d eeptwNNoi your~exou~to tlu dYlyy Wdnnee of ntopeeeh q our g t to aswn 1M sane or NMler 6 a a IaY~rnAe eapmam. TMn a tM and of tiro rifling gdad, wa add up tM reslXU of llaae tWIY cNaletlara fa aMw a r f0r wch g ~ . aeul. It a maniheraYp ya apgen m tM Iran a We etaarram, yw hw 30 dsye tram da date Wa aaaman we melsd w you m eaprtad. We add tp dr te t wq~~ aw/ 9nartp da iwwpnwn to aMw at tM tool gdodc y bNanca ~ yav ems' To pa tM GN avdd gylnp /M Ne a to Irw such M crodtad to you i1 ybu prrtal Yee arxant. Ottdrq Wa gdod, you may N y br neh ts ~ of you arxout, vre uka Uta beplmkp twr rera to uw Yea ecxren widrou luvkq to qy 1M membarNXp lea To l yy Nlarrp for MpltMn a rpe ultuhted mrtf~ie a~ and enY ppsedatc flrurlp du peNaa days Oaleil f h . uttp your accent, yw wra ~H v by c!mnN our Clrtaner Rehtiau Depenmam arts qY you New Bahrrp' N lull ya9udrr the p or t at aaprtam. We tMn aubtrae erry gymaw or aadu ported n f th d p mambaW awl Prior n ms arts of tlu WnY4eY grief o at ay Mat ero aloeetad to clot sepmem. TNe pivw q the aegraa dWy Wlanoe . 8. If Yau Clsts Yov Aeaoua. You un rstitwl to don labor BalerlpM~NrowtlM ~ atz:oun. Hoxawr, If you d the Y°u PreMea aNamaM h fuN (or Yyoour acplnt by uNlnp our Gmansr RWUarr uepenmam. you mgt destroy your credit uMy) and ac n II you rlevr bNwaa wn zero or a credt emrtunl, pro v+nnctlau x1Mdt port to ywr putlun w epadal twu axaw tltecke, caxN aN prssufgdzed bNlirp, and row uNnp yow acxtnt. If you do rqt ceneN W d uk~il Mau tMe an not added to tM 4Ny bNancw. wa t>s dNIY bNalq by addnp all rite dslly Gl proe g zad dllirq anarpsmtats, ors xAN emNder reeNpt at a dares yew auMdzstlm to reopen yyaotwx exam. Addhrmdly your atxoum wiN ne M d d atcee topaMr and dyidrq 1M aen by 1M rembsr of ~ ~Ya i n the a+rrent bilWtp cyds. TO talWan your tmN , are until you qy aN amaane you axe p irrLrdnp: ny tnrrsdbp yW low aWgdzW Xr d n y defly gdoda~rib eM Dy Mar anmMr of Np n tla tlNin . axB argw, qa eh ed ~l d fi g C griorL Due to routdrq an s deNy beNe, tyro may bs a aNplll wdanp Dawen tHS caaestlan end 1M amain f wnp aea aM any lar bw e per0 b ~ acrnlalt. You are roaiexalbh for lfaw emtarrta vdlelMr o lklsnp tdv echWly aaeeassd. b. I a N al wre an tM irom o/ We aaamem trey apger an your ecxrm a the tkna V+u rorflroa to door Me acpten a are Irierrrad M pj ~ : pa re ~~ AppNed To,' we multiply tM ewrarr. A.lti lw..,,.. ,.. _...w ~_~ .. ... your retaroet to door t acplen. Thin mai t in da rpaa appwdnp art Yee exam afiar rrau hew 01LOLBAK 500016 a Capital One® does credit cards and then some! Need a home loan? A car loan? A savings account? A personal loan? Financing far 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. ~~ what's In your wallet? Previous Balance Pa FINANCE Y & Credits CHARGE Transactlons New Balance Mlnlmum P aymeM Due Date $3,072.91 - $100.00 + $46.21 + $39.00 = $3,058.12 $80.00 Mar. 23, 2009 Jan. 27, 2009 -Feb. 25, 2009 Page 1 of 1 ••;'. Y PIaN PuASE PAY AT 1fJ15T TWS AMOUM 188 num Account 48p.842S7127-8182 Your Account IMotnrtatlon TOTAL CREDIT LINE 53,000.00 TOTAL AVAILABLE CREDIT i0.00 CREDIT LINE FOR CASH E3 OOp,Op AVAILABLE CREDIT FOR CASH $0.00 Fina11C8 Charges (Please see reverse fa important information) Balance rate Penoric Carespondrg FINANCE appled ro rate APR CHARGE Fvrdrases 53,071.99 0.05014% P 18.30% 546.21 Cash 50.00 0.05271% P 19.24% $0.00 ANNUAL PERCENTAGE RATE applied thle perbd: 18.90% ® At Your Servke . Oo a mvw.cmrebne.mm to mene8e your eocamt, a Cgr t•80QlK0.3637 b repot a by ar taobn card a rpeek a Cusbrrrer Relrleirs Pay OrdiM b can ar melyour payment b: Coital One Bank (LISA), N.A. • P.O. Bmr 71083 • Wrblb, NC zezn•toa3 A Send IrrqulrNs m: Cegtd Om• P.O. Box 30285 • Sd Lake Oy, In B/t30-0285 ® Haw a questlon about a charge on your statemeru7 Please refer ro the BiNing Rights Summary an the back of your statement a visit www caoitakme cam/di tes Pamlerlts. Credits 8 Adlustments 1 19 FEB PAYMENT $100 Transactions 2 25 FEB OYERLIMIT FEE FEB 25, 2009 $3900 Your amount has gone over ib aedit limit. To avoid additional werlimit fees, you should pay more then the Minimum Payment. Please pay enough to bring your amount balance below yow cre6t Gmit imme6atety, and make sure your amount baance remains bebw your aedt limit. Pose be sure the amount you pay amounts for arty future pur(treses, fees, and finance charges. PLEASE RETURN P'ORTK)N BELOW WRH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOVR PAYMENT ONLINE. 1 4388642571278152 25 3058120100000080003 C~a~N~ Account Number. 4388-6425-7127-8152 D D Cend a hand Save the Land ue ate New Balance Minimum Payment Amount Enclosed . . Manage your account online today- ~~ ~ ~~ Mar. 23, 2009 $3,058.12 $80,00 iYs fast, easy and s~curo. Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT Q Movingt Change your address online or on the back. ® Help save the planet-Go paperless. #9005782598727567# ®Signupatvvww.capitalone.com. ROBERT R REIFF 104 Y RAIN ST APT B RECHANICSBURG, PA 17055-h27a Capital One Bank (USA), N•A• P.O. Box 73063 'II'111!1'1'I!I'ill!IIII'I'I!'l"II'111'l!I111'!ll"!llll.llll,!l Charlotte, NC 2e272-1083 II!!!ll.lll..llll!'ll'!I!!III.~!!Illlrrll'Irlll,l!"I!!Illd'lll! Please make checks payable to Capital One Bank (USA), 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! Products and services offered by the Capital One family of companies, including Capital One Bank (US/U, N.A. and Capital One, N.A., members FDIC. Gpital One u an Equal Houring Lendtt O 2oYJ8 fipiud Onr, Capin! Onr u a ftdrmlry relgiurmdrmire nrruF. A!! ri~u mnrad ws 15 1. trove to Avon . FNlenpa Cnrpe. e.Orer Perbtl. Yau wIN hew a rtanlmum prep prbtl d 25 Aaya wNhaut nnrae drops an row purohnp, row balerat trarhre, nave spade purdrrea ra rlsw other dtarpr H you Pty yo«tata'Naw 8elrw', In axoMiwa wan Me Imponam Notloa br peyrrrsnti bakes, eM M tlma f« tt ro W mtlNp DN Your payment tlw Nan There b w prep Wnotl on eth advances ant apNda trewbra. In aAOltlort, tllere b w prow psnotl an arty uemictlon p you do nd pay fns fatal 'NSw B•hnr." D. AxruMg FMtnp Chrps. Tronaadkah whkh ere nd itlDf eat b • 9rede penod w retsatl nwna d5ape 1) hom des Mtn d tM tmitdkm «2) ttom tM Otte fns trawtGlan b Dwbpap to your Account d 3) tram the nm cahntlsr nay d err awm aulnp penotl. Adtlltbwly, N You tla rtd pay tM "New eaatae" from IM pwkkn dNkrg pxbtl In rWl, nnata entryt coMlnw to acaus to Yow aspen bilenca uMll Hr unpao Wlancs h pao In NN. Thb mpnt that You may ado own nnanca cheryp, awn q you pay tM aMlre New Bianca Irabap on the trots a yo«.uarwm cy tn. pryrwm aw era., as wa nd do ao brtM pwbp month. Unpea Marne cnargt are asap ro Me aPpgcaDb apmM d your AxouM. c. Abnnratm FMrrp Charye. F« each DNnng pMOO that your aDxUlll b atrD)acn ro e Mena chage, • mMlmum bttl FlNANCE CHARGE d f0.50 wNl M Impoae0. d. Terrporery Retlucpon M FMrtce CMyp. We rrrvs the rlpM to not atpn rY «tll nwwa Marge id ry NNp dxmp parb0. 2. Average pYy Be1dI0a pnduOhg Mew Pottdtwal Flnenr drlpi b pburnp by munllaylnp Itre Mly baexs d each tapmaM d your exouM (ap., crh awsrae, purehre, ipecla trerofr, ant ipeWl parents) M' drs catppoMMq Mly prMOro rne(a) tlat hp tress prevkway 0bcbep to you. a tlr era d sash MY Oudnp ~ bwtnq ppo0. vw apply 1M ONry pmotlk: tae for seen seprwnt d your aoaWM to Ms Mlry plaltp d etch aagrrent. TMn N tM en0 d tlr dgmg psrlo4 row add up 1M rputta d tttap MNY pbrlWrow to anlva a your Pertadb tkrerae snaps for each iagment. Wa ant up the mWb nom sacs aagmerrt b tmva a fns tats penook nrrartae Malpa f«YOUrtocauM. To 9N the MNy bales for rdt aearrtaM d yottraocauM, we tike dre trplnMrrp eshrae b seen pptrhrN ra em arty row trewectlona antl em Darlotlb Bnaae cltrpa cad,wed on Me Drevloua Myi Daarae rd tna iagrwM. We then euared try DNYraarNi «CletlMf paaatl r d thM MY mM N alDCeted ro tMt atpmeM. Tai glwa w Me aeprare nay Mltrra r« seen spmsM d yo« account. Ftowsver, N you pea 1M New BeWas ihawn an your pwbua arnemM In tun (« q Your new DNence wn zero «a cretltt amount), new lreniaCtbw, whk:h peal IO yWf punMap «bpeda purdrte epmeMS are rrd soap ro Ms nay phrrct. We Mbnaee ropaarr as tl~Halnp tM sum ny tM number oly 1M Myer m tlta aU11eM DltlNrg CyCh. To cald+Me your tdel flnarwv cMNe, multlpry yew avereps eery Darns by ms tlely pxlotlb rata ana DY 1M wmbr d Osyi m tM alllnq prbtl. Dom b rowtdrq on a Mlly bah «tlw b minlmum nwx. drerp. erramaM, tMre may w t wMncs DMWpn fhb cacuhtlon era tM enauM d nnrw charge fenny titap. 3. MnuN WrpM.pe Rap (APR). a. TM term "Mnual Ppaentps Ras" may tppeer r "APR` On tlN flats d mb arnrwnt. b. B tM cOtle P (ownedy Pnrw), L (OUaMny LIBOR), C (gwttry CD). «3 (BenkcsM Puma) apPpri m ms front a tnb atatanwn wa a ma pNbdlc reb(s), ma perbtlb tares entl conpponOlrp AMIUAL PERCENTAGE RATES may wry quanMy era mry Names d nectars brad x tlrs atats0 Indlga. t burn M TM WNI 31rea Jouml, pro tlts mryln prwropy tlhdoata b you. Tape eMngt Wq G egeatlvs on Ute prat day d your alllrrp ptaotl covrstl ty your psgodk: ataerrrM endMq In tlts rtaMht d d•wary, ApM, Jay and Ocbbr. c. It1M a00e D (MOmhy Ptlma). F (MaMhy LIBOR), «G (Trepury LIBOR) appeaa on the 1rcat1 d your ataenlpt wet b tM penoolc rne(s), tlw parlotlb Mr ono xnasponoing ANNUAL PERCENTAGE RATES may vary momhy entl rthy Incmr «tlacmn DneO x pre areteo Irakre, n lounO In TM WNN Street Jouma, pro tM meryM pmrbuay dlaekxW to you. Thep charge wlN be enedWe an tM nret oay d your dNmg palod each month. 1. Asapamsnl of Lae, OwrtrrNl tntl RNumW Paynhnt Fop. Untlrthe terns d your cualamr proerwltL we retrva tM sent b welvs «nol ro pare spry fps wltlaut pn« wlNkatlon b you wMaW waNmp our sent to paps the serve «slmllrisp a • later tlrw. 6. aMmDannlp Fp ptl Rrtawlnp Your aaouM. If • twnDarehlp pee teeth on Mh sutsman, we wlq cretln tM tae N you rputt b ebae yo« accourq wlmin 30 tlaya d tM mlNnq d thh arnemerq. You my c«Mnw b we tM account Mnng the 30 day prgod Debra your repast. if you 0o na pry al eMtpn owed on tMa acxttM wph ro W daYi, or N you pe your emN eero «axamt ettr you nqueat ro dome, tnY nhrtmeranlp tea pravkany wavs0 may M remataa0 to your account. 8. Ckhlrp «SUtpentlkrg Your AaxuM. You mry repast Ma your exeunt M deed by cewrg «wminp our Cualomer Relallaw DepklrwM. At IM IMh d your regrwat ws vent povae You with exltlona tlsreNa On dWing your axoum. Thb m.y IwIUM f+MwM Mrorrnabn. If you up yourcmtt crd «charyt pfal to yew aoeouM agrYOU rk w a ckxe your eoCOUM, we can Neap your axWM open « reopen n. We may ckgre «iwpeM your account and yo« dgM to odaln dads. We may Oo mh a ary qms era 1« spry perch, awn n you are wt In tlafat0. A awpawbn d your ecxtMt an M pemrneM «tamporery, If your account b Nomad d twpewsd, you neat atop uNrrp yor credt era era exeunt. Yom must abo Anal p pmNhon2eo dplnq arranprwnta to tM aoCOUM. We wa not M mb for you. H we ckgre «pamrwmy awpeM Your eoooum, You must oho dearoy al crodq Groi and exeunt axes chedre. You rtaart atlll pry t amouma you owes ua on tM exeunt, wen q they ware drerged gna~yWlaCCOUNt b Clout « awpenMtl. 7. MekNg PeymeMa. Payrtrenta you mall to ua atlll M emttatl to your exeunt ea d the bnlwn dry ww racelve tt, provaetl (1) you rind tM Dottom Podlon d tNi stebrwm and your dNCk In tlr plop rerrwtrae emebpe era (2) Your payment Ia recsNetl In our ptxtanp t:sMr by 3pn ET (12 seen PT). Plpae akwr N heat flue (t) buiMpe tley6 /« poetN oawery. PryrwMe recavp by w a arty dhr locales «In any dhr Corm may rat W aretlttetl t d me oaY vre rewNe them Our Duslwaa days are MoMay through .mm.r.,.......~...~__ ._~ ._._ 8. Ndks Anour LRaLlronro Chpk ConwrekM. Whp You payee t Clrack r paynwN, you autlanzs w eNhr to ps IMOmylbn hom your check to make s awalme aedronk Nra IrnrarerTrom yo«dspatt axouM dto pmoea Me payment p e dtaok vahadbn. WINn we ut Mlnrartrtlon~ your alrek b rrWn an slecoona tree may M wNMrowrr from your Mpoeq account p loon r th sem MY row reaNe yo« peyrrwrtt antl you will n« melw your CINek Dedt frorrr your tlnarala Inimutbn. Your MtranZabn b net Ilmtp M tlh Mb on [M check. We may rosubmtt ant shctranlpgy cogrt rnuma0 prymph. 9. BeMwptoy. If you an eMItlW b MnkMpuY ptdsclbr for your xcounL thh c«rvnunkalon b ony IOr Infonwtlontl purpoep. h h not sn atlppt b cdlsd, oaten «rxwr a dsa «clam. Do nd vent arty paynhnti tlksdy to ua wtthoW appltlnp wtth Your benknrpcy agamey «tM Bankmptty Coun. II you want to oonled ua about your account d your bankruptcy procwtltrq, pease some your attomay CoMeel U6. ?BILLING PoGHTS 3UMMARV (In Ctp d Enos d Gueitbni about Your BIIQ If you thlnN yo« all b wnMg, d q you wp rrrors iMOrmtlon on a tmaedbn or DIN, wme to n an a aeprae ante p eons t ponWh a tM sotlran for krgWrha ahawn on 1M tmtx d Ina itaenrn(. We met Mr from you w left thin rn Myer attr rw tpt you ttr ?Nit DNI on wnkh Ma errs «pmdart iNgpm. You pn cal ow Cuaamr ReWkaa numWr «notly w DY small «webelte, Out tldnp eo wpl not pmatw your dphb. In your Iblrer, glue w the lolbwing IMOrrrrtbn: your ham en0 account wmDec tth tldbr emauM d tM awpsdt errs, a dncnpbn d tM err« tnd p expenedan, tt ptalDh, d why you bahve Vhre b en error, «tl you prep more IMOrfllalpr, a Macnptlon d tM Mm you aro aware alaW. Yau tlo not hew to pay arty amount In gwton wlrNe row ors Inveatlpetlng n, do you aro ilttl odlgam ro pay the parts d yew aH Mal are rat In quptlon. WMN Wo MvpXpMe your Wrplbn, M errfld sport you r dalnquent «teke try adlon to cdkat the amount you qunlbn. t Specla RWe for Cmtt Cab Purohpn d you home a prodsm wMt tM gtgtllty d pmpaty «eervat that You pltahtptl vent • detltt MN antl you have trbtl M goad tam to carret.1 tM prodem wttn tM trrercnrrt, you pry nave Me pent not to pry me rnrhMkrp anartm des on tM properly « prvkrei. You hew fhb potadbn any vents ma peorlre pica wr more tMn S60.o0 antl Uh purolrra wr mtM In your home afar dwlMkt 100 mho d your manna aMron. (II we own or opsreta the madhM, «X row rrrelletl you tM atlverterrierrl for the property «aervkp, eu purohrp aro covsm regerdta d smount «beatlon d PurMet.) Pkrae rernentWr b elfin MI c«roapxrdenca. t Oat nor eppy ro bwmasa setounh Capttal OM auppati nllonrhlbn prNacy pdsctlon: sp our warts a ~ CapNal ohs h a /WaaNy raphreretl aerrae mak d CapMl one Flnanchl Corporotlon, al rghh rperveo. O zoos copal ow Changing Address? Address ........................................................................................... Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your ~,~ statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. 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 FDIC ~~ wlaaYs /n your wa/Ntt Provlous BYar)ce $3,058.12 Payments & Crodlta - $130.00 + FINANCE CHARGE Transactions $42.90 + $0.00 = New Balance Minimum Payment Due pate $2,971.02 $75.00 Apr. 20, 2009 Feb. 26, 2009 - Mar. 25, 2009 Page 1 of 1 •~• Visa Platinum AlxouM 191&04257127.8152 Your Axount IMormatlon TOTAL CREOIT LINE E3 OOp,00 TOTAL AVAILABLE CREDIT $2g.gg CREDIT LINE FOR CASH a3,Op0,Op AVAILABLE CREDIT FOR CASH x28.98 nrwsr as aT ~ txn AMOUNr Pa9/meMs. Credit 8 Adlustments 1 21 MAR PAYMENT 513000• Flnanr;e Charges (Please see reverts fa important infamatan) Balance rate Periodic Cortespaxirg FINANCE applied to rate APR CHARGE Purchases $3,055.66 0.05014% P 18.3096 $42.90 Cash 50.00 0.05271% P 19.24% $0.00 ANNUAL PERCENTAGE RATE applied thk parkd: 18.90% ® At Your Servke . Go b ty~w..0 oom ro mruye tour eoaum, a Cat 1.800-9033837 a npwt a bst a arolrn cad a spmk ro O,nMna liele8o~ ® Pay Online of vawrcealehro.com a meilyar payment ro Ceptel Ore Bmk (USA), N.A. • P.O. Bar 71083 • Chablis, NC 18272.1tT93 A Sand Inquiries to: Capital onr P.O. Box 30185 • Sd Lake Oty, to 84130-0285 ® Haw a quastlon about a charge on your statemeM7 Please refer to the Billing Rights Summary on the beck of your statement a visit www.caoilabne camld~soutes PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4388642571278152 25 2971020130000075002 tale Account Number. 4388-6425-7127-8152 Due Date New Balance Minimum Payment Amount Enclosed Apr. 20, 2009 $2,971.02 $75.00 U PLEASE PAY AT lFAST THIS AMOUNT #9008582598727568# ROBERT R REIFF 104 W RAIN ST APT a nECHANICSBURG, PA 17055-6278 rlrrIIIIIIIPInlrrlll~lndllllrlll~lhrrlhllrllrl4141N11 Lend a hand. Save the land. Manage your accourrt online today- iYs fast, easy and secure. ® Pay online anytime-no more checks, stamps or clutter. ® Moving? Change your address online or on the back. ® Help save the planet-GO papedess. ® Sign up at www.capitalone.com. Capital One Bank tUSA), N•A. P.0• Box 73083 Charlotte. NC 28272-3083 Illllllrlllrrlllll•lirlllliiir~llllh~rllrlrlllrllrrllllllll~llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Capital One® does credit cards-and then some! 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! Products and services offered by the Capital One family of companies, including Capital One Bank (USAJ, N.A. and Capital One, N.A., members FDIC. Capital One u an !:goal Housing Iendu ®1008 Gpita! Orrr. Cepito! nsrr u e fedempy nxirtrrnd rr,virr manF. A/! n~lisr nrnmd t. raYr w Avob a FIMnp Cnarye. e.Greoa P'erioa. You wW Mw • mnlmum graa panda a Zs ay. wtthout nMrra dWys on roses puMhww, Mw barortca trwrron, Mw spear plrahwea anu new olhef Charyw n you pay your 10191 "1roW Balance", In aoamwp wttn Ilre Inportant NaW 1« WYrnenb Ualow, antl In tlnN fro h to a crwttad by your payment as ale. There b M prop Wrlod an pth aMrMw ant tpacrol ttarororo. In aodnbn, throe b tb yore perlo0 prl any trewaakm n ypa tlo not pry 1M tar Trow Balance." D. AxMby Pharos Cnarya. Treneaabnt whkh en not wD)ept M t yraa pMOd are asawed flnartca chalys 1) horn tM dra a tM IMbaabn a 2) from IM des nro 4MtaCllpn b pnacwtW to yobr ACaunt or 3) nom the Met aNMar day a 7M currem Mlttrrp perbd. AaONOnry. n You db np pay IM Tlew earoncs' frpm IM prevlout aNlnp pedo0 r Mn, flMMe dwryw coralnue to accnro to yow unpekl OWnce uMll tlro unpab aroMS b pant In hrN. Thb mane thr you mry itlll owe Mang charow, wen n you pay tlro entke New Brans IrMk:red on 1M fnont a yopr ratertront by tM pymeM dtro wro. Dut ob oat do eo f«tlre prevlout maMh. UnW W flnance chalyee M aaaatl to 1M aPDlloable eeyrMM d yaw AcoarM. c. aYrkrarrrt Pharos CMtya. F«eadr DlHlny prba Mr your atxxara b tub(ea b • fln9nce awy., • mnlmum blr FlNANCE CNARGE a 10.50 W91 a Irrlpaad. d. Tarrporery Reauatlon In Fbanp CMrow. We reserve tlro nyM b IMt aetws My w NI nMnce droryw /a arty ylwn bflfllry perfoo. 2. Awrapa DYy Barotrp pnauauty New PurMaw). Flrrona dwga b aacuMed by mulllplylny the Daly stance a cap teymeM a yow ecpuM (a.y., pin etlvrla, puM~w, tpeclr tranrer, arW special puMnwe) Dy tlro armDOh0lny aa5y pMbab MKt) 0tr hp been prevbuty tlbdaed to you. a the antl a earn dry tlunrro the bRkly perb4 we spay tlro dry psrbok rero br each seyrtroM a your axoura b 9ro say suttee a eacn aeynrorrt. Then M tM antl a Ilro Dnflny penoa, pp a0o up the roeuM a tlrsss aanN ploulrloM b amve r Your parkrob flMUa chnys tw wp tepmen. We aaa up the muM Iron each segment b sMw r tM tar psMab rinarra aroroe forgoes aeawtl. To yr the Dry DW na r« wet aepmem d goes account. wp take tlro DeylMtlny Dollop br eacn seynrom ant aaa anY new traaaalone arM arty perloala Opna paroe erarotea on tM prevbus asys baWlce fro Yrol seprtlsM. We tlron suDtraa arty paYnlenb «aedro posrotl w a flat nay tMt as rk,cred to Mr t•pnroM. Thb yNSt fro Ma aeperele Dry arorMe Iw eacn sayrrrom d your account. tbwevw, n you polo the New Barorlcs shown on your prevlout atetemam In full (a n goes Mw barons wet zero a a aeon amount) new lransaabM, wlllch pat b gar pUMhws of tpedr purclrow seprroMS are rod aooea to the wy batrlow. Wa aMUrots 1M awnys aafly brans by a0tllny as tM Dally branow bya8ror sM dNbiny tM sum by tM roomer d tlro pYS m tM amm dfluq oYas. To akndaro Yow teal nMnc. ably., muttlpy row wMye ary alma by 1M ary partook Me antl DY tM numbers says M the slung paths. Des b rounekp on • Dry aab noes b mntmum flnaha drolye wtewrtront,lMre Rroy a • wrtetwre belweNl fhb aalaar1011 ono tM amount a flMnCa aroroe aaMely wwesetl. 3. Mnur Perantaye Raba (APR). a. The tarrrt "Moor Percenlpa Rre" may appear p °APR• on th front d Mb iMemant. b. I1 tM coon P (Owrterly Prtrrr), L (OUartany LIBOR), C (OWrtelly CD), w S (Bankare PrtrM) appsare pro Me front a fhb ralarrtent neXl to th pertoab Me(e), tM peMtlb retw ant eorreipwWkg ANNUAL PERCENTAGE RATE3 may very gprtMy ant may Inwwe «a.crw.a aaetl on tM sroroa InaWs, w taunt In TM Wrl SIreN Journal, plw th mrykl prewarory obcbaM to you. TMte dronyw wlfl a e/fectlw an tM nM say a your plkp perto0 Cave1W by your peMdc tterorMla emnny In Me monMe d January, AprN, Juy ant Oaa~et c. II tM code D (MOMtly PMro). F (Manny LIBOR). «G (Trwury LIBOR) appara on ore frorx d Your atabnrorlt oat to tM prloab Mali} Me W rloab Mai ant correspontllny ANNUAL PERCENTAGE RATES may vary mommy ant msy Incrowe a aaaewe basso a rM tMetl IMlpa, w found In TM WNI Suer Joumr. plea tM rMrpln prwbuay Obckrow ro you. 7rroea cnerlpw will a aftedhro an tM OM Day d your g41ny penoa eacn martn. /. Aaeeaamant a Late, Owrarntl era RNametl Payment Few. UnartM terrrp a your ewtonrer ayrwMtd, ws reserve tM nym ro wehn a rod b caws arty taw wtthwt prbr nollflcallon b you without waNlny our rtyM to waeaa Me earro a slnrllartw r • bror tlms. 5. kMnbettnp Fro and Ranawkp Your Mkwum. h a nronlbrtMp M appeaa a Mb statwront rre wNl aeon tM roe n you request to awe your aoowM wMror ao aye d tM mallby a Mb aroterrrorrt Va mry contkvJe b use ttro aocouM duflny tM 30 day period brae your request It you ao not pay ell droryw Daps on Ihb eocoum rant M y0 says, «tt you use your ereatt aw «eaouM Mter you request to doe, srry memanMp roe prwbwy weNeO may a nlnstatetl to your account 8. Cbskro «Sutperglny Your A00ouM. You may request that your eaount a doeea M pllkrp «wminy our Cuebma Rratlone D9Pamrront. a 1M tbrro a your request we WIII provkro you Wltll addlflona aWb pro dakq your axouM. Thb may MduO• payment Infamrlon. If you uw yow croon pM a charyw twat ro your aooouM MlarYOU wk us to cbas your atx'owa, 1ve con keep your accam open « reopen tt. We may cbea a suspwa youraxorrM ant your rtyM b Darn arean. Ws mry ao fhb at arty tkw ono I« srry ream. awn a you are rod m deroun. A swpensbn d goes aooDUM pro a )romwlwt «lemparery. t1 your account b saes «wspsntle4 you must atop uslrq goes cretln cant ant account. You must also soar a pneWlrontetl aIIMy arrrlpartpMS b tM aCW11M. We roll! rod tlo Mb br You. If rrp ckpe a pwrMnently swpsM your account, fwrr must ebo o•stroy rl croon anb ant aaalM acaee cheare. You must stlu pqr rl amouMe ya, prop ua on tM seen! even B May pyre alarosa ansr your exam b doeetl « auapanoW. 7. AAaltllly P%manb. Paymwla you rMll to us will be cretlaao to your account w a Ms bwlMae day ws neeNe n, provbatl (1) You sentl Me botbm potion a fhb strsmwt and yOUrcMek In tiro enclaed renattrloe snwbpe and (2) your paymen b realvetl In our procwskp abler by 0pm ET (1Z npon PT). Plewe rkw r twat row (s) bestows asya tar posh arlwry. Paymwb rsaeNea DY w r arty oMer kvxlbn w M arty dMr form may root a creases w d Ina aaY rw reaNe Ularn Our drolnwi Jaya ere Monday tnrouyh 8. Nake ADOa Eroetronb Cnack Conwrebn. When you prwW a aleck w payment, You awwnze w atth« t0 we IMOmrotbn from your Meok t0 nrka • a1ls~tllrp alaaronk font Inviter from yowaapatt account «to proatt tM payment w e cMp tMnersbn. WMn wp uw Illlwnlatlpn f1a111 ypUr wreck t0 make M eroaronb IoM llentror, loose mry a wnMrawn from yow oepostt axouM a faun w tM sera aaY rw reaNe your payment, eM you wIN MI realve yourdwck back from yowflnrlclel Iratttutbn. row aWtrortzrlan h not IknMa by th ante an tM crock. We may reeuDml antl aroclronWpy cdlea MumW payrMMa. y. BankNptry. I1 YW are eMnNd b ankrepby Pralsodorro for your 9aw17M. Mb aommuntptbrl b Dory fro IMDmrotlOnr Wrpaw. n b rod an rtempt to oalrod, peas a recovw a tlsbl a eblm. Oo na cane arty paymenb alncly to ua wnhoW apsaklny won your anlwptey anomey «tM Bankroptcy Court. II you want to apnteat u! about your account wyWr ankrolNCy prOCwtllny, please have your rtamey camas ue. iBILLING WGNTS SUMMARY (In Cw d Enos w Orrostkkp aD0u1 Your BIIQ If you tMnk your al N wrwry. «n you rrow more iMOmMlon on s treaaelkm or dll, wdro b w on a aswrra sMr w coon w poaaWa M tM aa0twt for IngWMt atrowrr on tM ftoM d fhb ttremem. We mutt hw/rom you rro bror tnsn 50 aeyi aMr rva cent you tM Mat bNl m wMCh tM error «proawn appwntl. You pro call our Curanror RNrksn romper a nollly us by rrell a weaM, but adrq to wNl rMl pnwrve your rtyhh. In yow Nnet 9lw w 1M bnowlrp Inbnrrtbn: your Mole ant axwM number, tM ddror amount d nro wspecroa error, a daecrtptlon atM emrr ant w apenrbn, n pwslbro, d wny you bNlwa then b an error; or n you need maw MfomMbn, a detenptlon a the nMl you are uMUre about. You do rlol haW to MY ally 9rrrpUM M quwtlon while we are IwwtlSrkp n. but you en ttlN oayretl to pay tM parts d yow aH Mal an Mt N quwtbn. WhM wp tmwtl~e yow quwtbn, rrp eons ropwt you w arlrpwnt or tale any aakm b edbcl Me amount you querbn. t sp.abl Ruler« croon cero Purdrosas It you Irove a proDrorn with tM qurlly a property «aervlaa thr You Purchwetl won a crWX crd ant you new trroa M yooa 191111 b coned 1M pMbrom wtth tM meroMM, you may have tlro r10M root to pay 1M rMroMlny emamt aw on tM ProPeM « »rvWa. You Mw Mb prolectlon ony when the purdtwe arts row mess then 550.00 antl 1M puMhra an rMW M your home elate or wlMln 700 mW a goes melnny aotlrws. 8f we own «operere IM rrwMaM, or tt row trrolletl you Ma eovMlsemaM la 1M pmpwty w tetwces, rl puroMew an covered reyeMws a amount «Ntatlon a puMhaae.) P Wee rerrromber to ipn all ewrwponana. t Does not spay fo two/Mss eccounb CapMl OM 6upppro InbmrMrl PrNacY PnMeabn: w our walrone r ~ Capltr Ores la a fa0rry replsroretl wrvkro mark a Capltr Ona FlMncbl Caporetbn. Atl ayMa reesrvetl. 02008 Capital One Changing Address? Address ........................................................................................... Home Phone .................................... Alternate Phone ............................................. .............................................. E-mail Address ........................................................................................... Please print address or phone number changes above using blue or blade ink Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your ~.,0 statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. 500016 • Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. Capital One® does credit cards-and then some! 7 ~ } Me~IY1lER E~r4D°'~'ER^ f"~Y what's In your wallah Prevloue Balance Payments 8 Crodits FINANCE CHARGE Tt'anaactlons New Balance Minimum Payment Due Date $2,971.02 - $75.00 + $46.23 ~+ $0.00 = $2,942.25 ( $78.00 (May. 20, 2009 Mar. 26, 2009 -Apr. 25, 2009 Page 1 of 1 t Vfaa Platinum Account 43sea4xs.71r•~tss ~ Your Account Informatlon TOTAL CREDIT LINE 53,000.00 TOTAL AVAILABLE CREDIT $57.75 CREDIT UNE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH 557.75 PIEATE PAV AT IFAST TNIS AMOUM Payments, Credks ti Adluatments 1 18 APR PAYMENT $75.00- FlninCB Charges (Please see reverse far important informatan) Balance rate Periodic Conespon6ng FINANCE applied to rate APR CHARGE Purdlases $2,974.09 0.05014% P 18.30% $48.23 Cash $0.00 0.05271% P 19.24% $0.00 ANNUAL P@tCENTA[SE RATE applied tltle period: 18.$OX At YOUr Sarvke • Go b vnvw.ceoile6rie.mrli b mene{p yulx aomnL ar Cet 1-800.9033637 b repot a bet or sbbn card ar epedc b CLsbmer ReleEOns Pay OnNne a www.cmitahle.com or mail yar peymerd b: Capital Oro Beds (USA), N.A. • P.O. Box 11083.Ourbae, NC 28272-1083 A Send Inqulrlae to: Cepitd Ore• P.O. Bcoc 30285 • Set Lake Ory, UT 84130-0285 ® Now a quesaon about a charge on your stabmerlt7 Please refer to the Boling Rights Summary on the back of your statement ar visit wsvw.rapitabne cortl/disputes PLEASE RETURN PORTION BELOW WRH PAYMEM OR lAG ON TO WWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONUNF. 1 4388642571278152 25 2942250075000078005 Ca Account Number. 4388-6425-7127-8152 Lend a hand. Save the land Due Date New Balance Minimum Payment Amount Enclosed . Manage your account online today- / ' May. 20, 2009 ( $2,942.25 $78.00 ~ it's fast, easy and secure. ® Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT ®Moving7 Change your address online or on the back. ® Help save the planet-Go paperless. q 901 16 8 2 5 9 8 7 2 7 5 6111 Q sign up at www.capitalone.com. ROBERT N REIFF 304 Y MAIN ST APT B RECHANICSBURG, PA 37055-6276 Capital One Benk (USA), N•A• P.0• Box 73083 1111111"I'111111111r~'X111111111111'111'111'1111'1'11'11111'1'Il Charlotte, NC 28272-1063 1111111'ill"IIIII'II'111111I~r111111"11'1'111'11"11111111'1111 Please make checks payable to CapRal One Bank (USA), 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! Products and services offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A., members FDIC. Capid On< is an Nqual Housing Lender ®2008 Cayiral Onr. Capird Oar u a frAemlly rrfutnvd ttrvue mark, A![ n~ik revrrvd 1. flow to Awld • Fbtana Cnupe. e.Grea Perlod. You wa Mw a mMmum gran period a 25 days vratout ilnarw• dwg• on new Wrcnetee, aw traana mnerore. n•w sp•da puronrr and new finer drorpe6 nyou pay your taW Tlav BeWroe", In aoarWra wdn kro ImpaaM Nola f« payrtwMs below, eM M gore la a ro w credtea by your payment tlw data. There is m gran penod on can advances ant epecla tr•Mrore. In aodnbn, tMre w no grace perod On arty trensaCt10r1 n you do rat pay IM tda "New BNance." h. AoaWcp Fkronoe Charye. TraneaclroM Whkn el• nd suyct ro a glee perlo0 w aeweeed Mang charye 1) from tiro aero a tM tmeadrorl «z) from me da• 1M traMarkldtl b procrsa0 to your Account «3)1nm tM Mat eelerwar day a tM cun•nt aping period. AodaoMly, X you der nd pay tM'New BWnce" Insm tM prevbut DNling pMOd M lull, nMna cllafgM CoMlnw to acaw to your urr)na baaMe uMll me urrpad baerca ts pad In 1W1. ThM rrrrr the you may atlll oww flMrae cMryr, awn n you pay tM eMk• New BWrra klaca•d on tM front a yo«stelenwrn q dr• payment dw da•, ba der not do w 1«1M prevww moMn. Unpsa Mane cherpr are added ro 1M applk'aae s•ptiront a your AccarM. c. MaNakn FTneno• CMrys. F« each dllhp Wriad that yo« accWM ts slrD)sd ro a Mana cMrg•, a Mnlmum tWl FlNANCE CHARGE a f0.50 will DN knposed. o. Terrgorary R•dudbn a FYtana CMryp. Wa rerrva dro ngM ro nd asrr airy «afl flnanp Chalgr 1a any 1Nwn bNWIp perod. 2. Avsrepe DrY Berona pncNrdatp N•w Purcnr•s). Flarwe dwge Y CakuM•d by mdllpying dro deny trlarwe a •acn wgman a your account (•.g., ash eovarwe, purMr•, apecrol treWler, ant ap•da purchase) by flro oomrpoMMg day wnoda map) tlrot lru brn prsvauay Obcla•0 ro you. a dr• •ntl a each deY doting fire blNlnp perb4 w• appy 1M any penooa rata la sacra segment a your account ro aro day bslarra a cacti t•pmenl. TMn M the arw d tM bINMg penoo, sv add up kro results a tll•w daN caClfMkkw to aMw a your padodk Mona chaps for •acn segtMM. We add up Iha reauM from •acn e•pment to amw at me toW penoac lhlana dap• for your aawnl. To get tM day Mona la each a•grtwnt a your account. we tak• tiro bepinnaq ba•ra bream ssprtwrlt and add arty new lrensadrona as arty p•nook Marws drops caarotw on tM prnbus WY's Wlerwe br nret sepnwa. We than cubtrect arty DeYRIaMa «credNe Ported r a tlrot day tMt ere akwaed to tea eegrtwM. TM gwes W 1M aepasta day D•IarlCe fa eadl aegrturn a yo« aCCarM. Ffowevet n you pea tM New tteroria alcowm on your prevbus statement In 1ufl (a n Yak new baWw• ww z•ro a a a.dn anarmt), Haw Iransadlom, wMdt Pat ro yak Durance «speerol purchaea agnrrM are rat added to tM day Dalanae. We aaWae dro avsraga WNy Oelanuv by addNg al tM Wly berorwn rogedrorand dNalnp tM sum by tM nurereer d 1M tlrya a the amm dNag cycle. To aauroro Yaklotal nWlw. charge, muaPN Yak avrape day wlana by tM daY psnodk tae end M' 1M number d days In its dnMg perod. Ou• ro roundng on a Wly eels «dw ro mMmum flnena cMgp arepnwm. !here mry M a vaWrwe belwesll lets cacurotbn tra tM amount a flnana chepe adkay auraed. 3. Mnua PeraMape Raros (APR). c. The tens "Mnua Peranlage Rae" may appear ea "APR" on tM frarn d orb starrnl. D. If tM code P (aren•ry Pnm•), L (OuenMy LIBOR), C (Owrteny CD). a S (BaMCCard Pnra) appsare on me from a tnb stasmrt axl ro tM parbda rste(a), IM perbdro rates ono car•spondlrrp ANNUAL PERCEMAGE RATES may vary quan•ry end may Irwreass a decrere dyed on the stood Inokws, N fount In The Wdl Street Journal, plus tM rrrer9b provauty dhdoro to you. Thee cnangsa will M alleellw on Bee flM day a your allkp penoo covered by your pecbdlc s181emeM endag In 1M months a January, Apnl, Juy as Odober. c. II me coos D (MOMhy Prlme). F plorctnb LIBOR), a G (Trrsury LIBOR) aPPeare on me front a your aalement need ro 1M penook rate(s). d» perbdk race ono aareapondkp ANNUAL PERCENTAGE RATES may vary moony and ray InCrsre «ded•r• Dyad on the steed Inoror, r IWra a TM Wad Stroa Jowrol, plus tM magln prevrolrsy dbclaad ro You. Thsae chagee wlli a en•dNe on tM flM WY a your bddng patod saoh month. !. Aresanrnl a Lola. OwMmN ono R•IumW Peyrront Few. Undarth• lama a Ya« cuslanwr aprearneM, ws reserve tM rINM b welw a nd ro Hers erry fees widaut pdor nalllalbn to you waroW waNlrg our ngM to tars tM came «elrrdlar far a e Iaer Bore. 5. AIenD•ralrp Fw mtl Renewing Your Account. h a memMraMD roe epPaas on Ints statement we wld eredn tM roe n you regwst ro cbse your aocouM wlthM 30 days a tM mallap a IMS starortrM. You may canMw ro uN tM account outing tM 20 tlay palo0 D•bre your request. II you W not pay al Charges OWd on tats acacrM wdh In W Wya, a X ya we yoU1 CredX Caro «aCCwM aner you ragrrrt 10 doe, arty memberehlp kie prevbwy waNed may De relnslaeo to your account. d. Cbang «Swpendlrg Ywr AaouM. You may equrt met your account ba doer by aging «vnlllrq our Customer Raaaons Oepe1lrtwM. a tM time d your regwet we will provlW you vAM eddakaa Oelalts on croslrp your account. Thts may InCIUW payment IMOmraron. li you ur your eretllt taro a clwpes poet to your ettouM aner you rk w to erase your eccorrm, ws can krp your aaouM open a reopen n. We may CICN a susPBnd yWr account afw yWr AgM to odan credn. We may tlo tMS a eM'tlme and la any reason, even X you ere not In W1nrn. A sapeMbn a your account an M pemrsnrt or temporery. If your account ts Naeo a susprtled, You must atop wkp your croon cant ant aocouM. You mgt Wo anca al preaWhonzed dlling errerp•nwnts to tM eawuM. W wNl nd W lets for you. It we close a p•rtMaray wspwd Your exount, You mua also drtroy al er.dn arW ant exoum exrs drodu. You mtst sun pay al emoume you owe w an the acoouM, awn n they wen charged aler your aaount ts deed « swgraed. 7. Making Peynwnta Peymrh you oral ro w will w erodned to your axount r d 1M buatnrs day ww raalve d, provlOW (1) you send ma baton patlon a tnts sletement ar10 ydlr Ctl•CI(In tM Mda•d remltl8fae •mekep• ant (2) your payment N recavetl a our proasang abler M 3pm ET (12 croon PT). Plere alav at Nrt tlw (5) bwlnrs days t« petal daiwry. PaymeMt recaved by w a arty an.r locatbn or In any deer torn may Hal M credned r a tM day YY• reaN• mom Our drolneas days ere Monday through a. Notk• Abdul EI•atrona CMek Comenbn. When you proves • eMek as peymam, you aumonz• a ginner to ur IMarrrlalon home yo« Brock ro mau • atstlma eledronle fora trsntfsr from your Wpoep acaunt a ro pmews me peymsM r a Bradt kaneadron. WMn we we Mfarrytlon from your dt•dt ro mace an erodraa NM tronaroc locos may W wnMrnm tram Your WPan eocouM r anon n tM came day we recave your peyrrtenL ono you wlll not reaNe Your ctrock back nom yakMrrcW Inatau0on. Your eWnorizaron ts not Ilrretr by 1M da• on tM Check. W may resubmN and elsMronbay cdlern roomed D•YneMa. d. BankNplcy. If you are entllrod ro Mnkmptcy Ikaedroa for your account. Ihls camunkwlron N oMy fa Mronmtronal purpar. h ts trot an enempt ro cdrod, asera «recover a Bea adorn. Do rat send any peyrMMS oNedy to ua wnhod speaking wM your danloupcY anomsy alts Bankruplry coon. ll you warn ro oontad w shout your aCauM «yak Denkmptcy proaatling, pl•re new your atomay contact w. tBILLING RIGHTS SUMMARY (In Cane d Erlore «Owabns awe Your Bllq 11 yW 1Mnk your MII M WRing, «N you rMW nlofa IMamabn on e trertsactlon «DIII, wnro ro us on • aap•rete sMa r som r possNlN a tM addreu for ktgWrW snaww m tM /rots a tnN ata•m•M. W mot haMirom you rr0leror man W Wye Mar we sent you tM flre1 bpi on wMCh tM error a prabrom eppareo. YW can cep ak CUaomar ReWkws numbar«ndlry w by amen «wwbens, Da ookp w win not proeerve yo« n(drb. in your len•r, gNS us tM fonavirp Infomistron: your Mme era account wrrMet tM odror amount a tlro suaped•o error, Wacnptlorr a me •mx end an exganadorc, X porMle, a why you darove Ihsr• M an •mx, «n you need more InlamNbn, • drenptron of tM Hem you are uauro about Ya do Hat Mw to DaY arty amount a Wotan went ww are Imeagalnq K but you are elk obnpa•d to pay rare poor a your fill the are nd In qurtron. WhXe ww invesllgae your question, we arced repon you q tlalrlgwnl or tale any adlon ro cdkd tM amount you qurtlon. t SpeCk11 Ru191« Cretllt Cam Purchrr If you Mw a probkam wnn tM quaNry a IeroWny or aervkws Iha you puronreo wan a crwn ant and you Haw trrod m good falm to cored tM prod•m wnn tM merchant, You my Mva tM rlpM na to pry tM mMalrp smorwt ow a tM property « rrvkuro. Vau haw fnts pmtectlon any wtrsn m• puntflra pda was more than E50.00 ant tM potence was maW In Your Mnro sae «wfmin 100 mlroe a Your maflng adorns. (11 ww own a aperero kro rrleleMM, «d ww meNed you the adverfleenwM 1«1M property a servkfee, aN pWehrr are covered regaMlra a amount «kwalbn a purcMea.) Place rerMrtlber to 51gn al carespoMrce. t Des cwt sppy ro auslnau accounts CapNal OM supports Irllamatlon pmecY pratedbn: sr our weWMa Capnal Oa Is a 1•WreNy regtst•reo aervia mane a CapMl OM Firpnelal Corporation. of ngnts reserveo.0200N Cspltel OM Changing Address? Address ................ Home Phone ........................................................................................... Alternate Phone ......................................................................... .................. E-mail Address ............................................... - - Please print address or phone number changes shove using blue or blade ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your ~,~ statement. Using a different envelope rnuld delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 76-digit account number on your check. 500016 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. 7~T MQEMyOE~R• ~~n rVBV Capital One® does credit cards-and then some! whaCs /n your wdlet7 FINANCE Prsvlaus Balanrx Paymerrta b Credits CHARGE Transactions New Balance IAlnlmum Payment Due Date $2,942.25 - $78.00 + $55.59 + $0.00 ~_ $2,919.84 ~ $88.00 (Jun. 19, 2009 Apr. 26, 2009 -May. 25, 2009 Page 1 of 1 ~Vlsa Platinum A,ceotLnt ~ 43p4425.7127.8182 Your Account Ildortnatlon TOTAL CREDIT LINE j3,r)D0,00 TOTAL AVAILABLE CREDIT jt30.18 CREDIT LINE FOR CASH j3,00p,00 AVAILABLE CREDIT FOR CASH 560.16 Finance Ch ras Please see reverse far im \ ar0 ( portent information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchazes $2,953.54 0.06274% D 22.9096 555.59 Cash 50.00 0.0667196 D 24.9096 50.00 ANNUAL PERCENTAGE RATE applied this period: 22.90°6 At Your 8ervke - Go b vnw.ceoAekne.oom q menage tour exeunt, a Cer t-800.9033637 q report a bcl err agbn csrd err Meek q OMOmer Rebriom ® Pay On9tN al www.rxdlahne.oam err mail your paymem b: CCaptirol One Bark (USA), N.A. • P.O. Bea 71083.OrerMb, NC 28172.1083 Send Inquiries to: Capital Ore• P.O. Box 30285 • Sat Lelae City, UT 84130-0285 Haw a queatlon about a charge on your statemart7 Please refer to the BiNirg Rights Summary on the beck of your statement err visit www caoilabne cam/dsoutes PlE,4SE YAY AT UAA THIS AMOUNT Pamlents• Credits 8 Adlutl6nenb 1 20 MAY PAYMENT 578 00_ PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO W W W.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4388642571278152 25 2919840078000088007 ~'. Account Number: 4388-6425-7127-8152 Lend a hand. Save the land Due Date New Balance Minimum Payment Amount Enclosed . Manage your account online today- Jun. 19, 2009 $2,919.84 $88.00 ~ iYs fast, easy and securo. Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT t© Moving? Change your address online or on the back. ® Help save the planet~,o paperless. # 9014 6 8 2 5 9 8 7 2 7 5 6 8# ®Sign up at www.rapitalone.com. ROBERT R REIFF 304 Y RAIN ST AP7 B RECHANICSBURG. PA 37055-6278 Capital One Bank (USA), N.A• P•0. Box 730133 III'1~!!Illlllll!I'I"!I'!III!!II!1'1!'III'I'I1,!I,II,!,!1111"!! Charlotte, N< 28272-1063 II!!I~1,111„II11!'ll'lll!111"1111 Ilr.ll, I'!!I'll"!!!I!III'!III Please make chedrs payable to Capital One Bank (USA), 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! Products and services offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A., members FDIC. Cryinl One u sn liqual Housusg Irnder ®1008 (aprraf Onr. Capin! Onr is a fnJrm!!y rrRirrrrcd rervicr mrnF. A![ r>;yhu ranwd 002 2s 1. Non b Avad • FMna Charpe. aGraoe Period. You cant have a npnlmum prop perbd a ~~ t ~, new charge an new pusch«ee, new epechl purclra« eno slag atlrw Metpea p You P.Y yourroW "New Bahna'. In acaMana WMr me Irtporlem Naka for paymema bakes, antl In tlrM far h ro a crWpeO by your IxymeM tla oa. Ttren N no grata prlod on wh awancea arM epedM tsamfero. In adtlpbn, tMro h no grail pasbd an asry nanaedbn n you tlo not pay me foal Tbvr Babrke.' b. Aoauep FYrrke Charye. TroneeakM whkh afe Ilal wblect ro • pace peslotl ero eawued flnance charge 1) Inks tlr ate a me ttaneactlon a 2) from tM dpe IM tromadkn b ploaased to your AxouM a 3) Irom tM fkst plefdar Dry d tlr cuRNrl dlNrlg peslod. Addnlonpry. n You dk not pry tM'New Bpana' Iron tM pswkws dpkg perlod h an. flMrta chargee catlnue ro early to your unpakl 6ebnq uMN nr unpaW Dating h paW In fuN. 71rN Naas thM you mry tflll owe Mena entry«. wan n you pry tM antlro New Bpana IrgkMeo a tM had a Your tteterrrm by 1M prymeM ow dpe. but oM M a w tortM provkde month. Unparo Mena cheq« ero aooeo to fire apptlcaDb aepraM a your AcauM. c. MYrkrum Fkanp CMrye. For each dllkp perloo tMt Your saarmt M wD)sct ro a 1lnance charge, a minimum Iatp FINANCE CHARGE a 50.30 will be knpasd. d. 7errpaary Retluctbn a Flnana CMry«. We reserve tlr rlpd ro rq1 tle«a cry a ail flrrrra cherg« for cry 9lven dping pssloa. 2. Awroge Dept BeMnp pMkrdmg New Putuftaese). Flrrerrce atrge N akaated by muplpykp tM deny sane d aaM spmem a your atkotsm lag., cph edvarra, purdwe, special trasrlM, and spade purcMee) DY tlr armpatdstg alN pspotlk sable) that lw been pw+wuey dhcloaw ro you. At the end d each say tlurlng tlra dmng peslod, can appry 1M dauy perlook rob /or each aeplrwm a your aocoum to tlr tlely twang a eacn aegnrm. Then et tM eM a 1M dWng penbd, we and up tM neap a these cNN cakuMloM to assba at Your partook flnana dvarye for cant segment, We etld up tM rosulb from eaa segment to smve at tM tdp pMOac flnersea Merge for your aoarsm. 7o get tM airy Dram for each eeprrattt d your acaum, we bKe tlr bepaning lrlana arMCh eptMa ant ode erry new trensactlona end wry pesbok Mona Charys akrshte0 Oft the provroa Days Dalerke for the tegrtrm. we then eubtlact arty peyrtrrda a scope patio «a tlrt dry mat ero pklateo to that aepmwa 711h gN« ue 1M aeperoN d.lry Mhrke la saM tegsant a youraaouM. Howwvar, p you pek tM New Bahrla shown on Yak preNOUa aMamem a aN (a M yow Mw Delano caw zero a a a.dn amount), Mw tnnaalplon, wlpch pat ro your puroh«e a apedY punxlete wpmpda ero net coded ro tM deny Dalancee. We akulpe tM swrapa oily Dehncw by a0tlag ail the Dal y t~M days In tkWrto l oMNroing the sum by 1M numMr or kp cYCb. To akultla your total flnana merge. Nappy your wereps tlNry balaroa Dry Me Daly penodk rte ono pry me numbers tlaya In tM filling pesbd. Due b rouMNg a a tlany bash ardue ro minimum Mona drrg. aaae«meM, tMro mry M a wrbna betwwan thh alasMkn and tM amount a nnana drrge adupy «a«aed. 3. Mnwl Perardage Robs (APR). a. TM tame "Armual Penxwdage Rpa• Nary app«r «"APR' a tlse /nxH a mfr atatertrrn. b. n tM Dods p (Ouanerly Pnra), L (OUanary uaoR), c (Ouarlery CD), a S (BUtkard Pnnr) appearo on 1M Inun a thh etatanrnt Mil a 1M peratllc spe(c), the penoae rot« and corrospontllrg ANNUAL PERCENTAGE RATES may vary quartany ant may klrxa«a a oecr«aa Defeo on tM etpa0 Intlkea, «faM M TM Wpl StreM Jwmal, plus fir meryln provkray tlbeloeed ro you. Ttrss drng« wlp be efladlw on pre flrot day a your doing parlatl oovsre0 by your grlotllc stabrMnt Mtllnq In 1M monlM a January, App, Juy entl October. c. n tM COtle D (Madhry Paa). F gAamy LIBOR), w G (Tro«ury LIBOR) appe» on the Nord a your etatenrrlt next ro tM perlodk rob(s), tM peMtlk nd« sn0 oamssporMing ANNUAL PERCENTAGE RATES may vary mommy ono may Incresee a aeae«e tines on tM sbtetl IMk«, «aund In TM WNI Street Jounrl, phN 1M rMrpn prevkway tllacbaetl b you. TMN cMng« vAll M enedw. an me flM dry d your dping panotl each monm. 1. A««wrwnl of Late, OrMlmtl arM Returned PayrMnt Fees. Under the lamp a your astomer agssenrm, we r«arva tM rlght to wanre or not to none any Ae« wkhout prior nalflatbn to rya wpnout wwNing our rlgM to «a«a me acme or almllsr 1s« sl a titer pms. 5. Wmbaehlp FN antl RertewYrq your AaouM. N e snembenhlp tae app«ro a fhb abtement wa will ado tM lee n rya nqu«t ro ekes your accorsm wlmin ao days a me mallkp a tots stetamanl. ra mry rwrrona to use Me eaoum during IM 30 aY penoo Deere yar saga«t. n you do not pay all charg« owed on fhb accarM calm In tp days, w n you «s yourcratlp card a account afbr you rsqu«t to daa, ant' ramdrronlp Ise prwkusy wsnrotl may be relrrtMetl ro yar acaunt. e. CkrMg a Suap.ntlktp Your Aoeoum. You may raga«t mat your saormt M dab q' alnrq or wmkq our Cualomer RMatlom aWmMnt. M tM nrM a your request, caw will pnwtoe Ya calm addltlonN tletpk a daing your BCCauM. Thh mry Include payment IMOrmMron. n you use your erotln axd a chppea post to yar account spar you «k «to close your eccounL we cm keep yar eaount open or reopen n. We mry ekaa or soap«d your axauM ant your ApM to oDbin credo. We mry do tds p airy Ilya and for any re«on, wan n you ero nd In atauft A auapenakn d your ettroum an M Pemrnerrt a temporary. N your acodrM h daao ar aapeMed, You moat atop asap your credo and arW acassm. ra must also anoN ill pmahonu0 dlnnp errosgemema b 1M accarnt. We will rat a fhb arrow. n caw case or parsnanly sapaM your saaM you must afro tlsprcy all ae0p ants and account sans chaNs. Vou map atlq pay ell wnOUMt you owe a on tM exouM, wan H tMy wan cheroetl filer Your accoum h aoaed or suapenao. 7. W kkq PayrrrMS. PryrtwMS you mall to «wilt be cndpad to yar aCCOUnI N d tM Duslaas aY ws receNa h, provltlW (1) you Band tM Donom ponkn of thh abtement antl your eh«k In IM enclaetl rorNlbnp emroklps antl (2) your payrtrm M reaNed k our Ixoc«skg Amer Dy 3pm ET (12 noon PT). Please alkwv p last Ma (3) lxsaneaa tlaya for pabl tlNNery. Payment recNvW Dry ua N arty other locatbn a In any dMr form mar nd M credtted «a the tlry caw reaNe them Our bualn«e aye ere Maay through 8. Nola About 9sdronk Chadr Cowenbn. When you provla a drek «peymam, You aanorlze « annoy to use IMOrtnikn from your eMCk ro make • orr-lira aledronk lurq 1msM Irom your daPOSn aooouM or to proaai tM prymeM p e Clrack treMaalai. When Vb Ufa Imaalbn from your chock b make an elecbonk MrM tronabr, Iona may M wtlhorawn hen your tlepan atxouM n noon «1M same aY wa roalw your payrMnt ono you vdx nd reaNe your drek back from YourflMrklY InplMtlon. Your euthorlzMkn h rest prMIW try 1M Dab a ma wreck. We may r«ubm11 eM eladronialy caned rebored prymeMS. 9. Bankmplcy. n you ero emNMtl ro DeMrruptcy prdeclkrh fa your aocouM. fhb comwsnkallon b Dory for krlorrrrtlonal purpoe«. n k not an elrompr to odlad, ass«a a reavar • tlea a dpm. lb not santl wry Pryrneres dkedly to us wphoa apatlcing with your benkrupACy atlomry a tM Banaupky Coun. 11 you went to c0nlact a ebore your account oryow DMKrupcy pmceeang, plane naW your anomry contact ua. tBILLING PoGHTS SUMMARY (In Ceae M Erma a Otratkxr about Your Bllp If you tlpnk your fill h wrong, a n you neetl maw Mnomrtkn a a trorreotbn a fill, wrlb to ua on a aatxrats afrN « soon « poaslde at tM eoaroea for klgaaa shown a tM lsat a this pMMMnI. Ws mutt hearlmm you no Inter then So Jaya aMr we sent you tM flrot fill a whkh tM error or problem app«rad. You pn call our Cuslaner Rebtlona number or ndtry a Dry amok a wwbane, but doing w will not pr«erve your nphh. In your letter. gNe a tM apaMhg kranMkn: Your nrM ant account numMr, tM dopy amount d nr suapsded error, a oetcdptlon a the error ant en expbnatlon, n paalbM, avdry You DNleve Nara h an error, a p you Metl mac InlOrmat10r1, a deacnptlon a tM Pam you ero oars about. You ao not Mve to MY arty esrlount In questlon whlN sue ero Isw«tgenng 4 ctrl you ero slNl obppated b pry Irr pane a your ctrl mil ero rla In qu«tla. WMk we Inv«tlgpe your quepbn, vre anrat ropon you «tldlrpwnt or take arty edkn to cdhd tM amount you qu«tkn. ? SpeclM Rule for Cratlh CeM PurcMSea n you lreve a probem wph tM queply M properly or aervk« that You Wsdwao cant a aeon ant ant you have tMtl In Oootl ialth to oorreel tM problem wph IM mwcMM, You mry nwa tlr rlgM not ro pry tlrs rerswining amount tla on ms property a tervkrs. Ya true fhb prdedron Dory when tlr punks«a ilia can mac than 530.00 ero tlr purclrae cap matle M your Mme pile awltMn 100 MNt ayour mNnnO Woro«. (II caw own or oparpa tlr meroMnt, a n rro mYlao you IM eowrtlsemenl far tlr properly orsaMas, an pump«« m covero0 rapeMl«s a amount a kladon a purohaae.) Pb«a remanar ro sign ill eorreaponderke. t Don not appy to bwln«s accounts Capnal OM suppclta 1MMMtbn pnvecy prdeClkn: tea our vrobana at Bpbpgpg~,~ CapltN OM h e letlarapy repbterau sarvke mark a CapMl Orr Flanclp Caryorotbn. An r10Ma resarverl. 02008 Capital One -1- Changing Address? Address ........................................................................................... Home Phone Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address ar phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your ~.~1 statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. 51X1016 ® • 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. 7 ~ r MEMBER EL NNSER Capital One® does credit cards-and then some! what's In your wallet? Previous Balance Pa ymenta 8 Credits FINANCE CHARGE Transactions New Balance Minimum PayrrleM Due Date $2,919.84 -~ $90.00 + --~ ~ $56.87 +( ~ $0.00 ~_ $2,886.71 _ -~ ( $88.00 (Jul. 20, 2009 May. 26, 2009 -Jun. 25, 2009 Page 1 of 1 Vlaa Platinum Account ~a•eas7ln•slsz Your AeeountlMortnatlon TOTAL CREDIT LINE 53,000.00 TOTAL AVAILABLE CREDIT 5113.29 ~ CREDIT LINE FOR CASH 53,t30o.t~ ~ AVAILABLE CREDIT FOR CASH 5113.29 PLEASE PAV AT IEAfT THIS AMOUM Payments, Credits 3 Adlustments 1 18 JUN PAYMENT 590.00. Finance Charges (Please see reverse f« important informatan) Balance rate Periods Conespondng FINANCE applied to rate APR CHARGE Purchases 52,924.21 0.06274% D 22.9096 556.87 Cash 50.00 0.06822% D 24.9096 50.00 `ANNUAL PERCENTAGE RATE applied ffik period: 22.60% , ® At Your Servlw - Go b www.eeliletne.com ro menepe yo« aooount, «Cat t-8049033837 b report a bN «gokn cad «spedc b Cusbm« ® Pay Online at Lvaw.caoitebna.com «meil your t>ar'nlerlt to: CklpiW One BerEr (l1SA), N.A. • P.O. Box 77083 • Cherbtb, NC 28271-1083 Bend Inqulrlas 1b: Cepi7d Onr P.O. Bmc 30285 • Sat Lake Oly, UT 8!130-0285 ® Haw a questlon about a charge on your shhmeM? Please refs to the Btllirre Rights Summary on the back of your statement «visii www.cadtakme camldsoutes PLEASE RETURN PORTpN BELOW WRH PAYMENT OR lAG ON TO W W W.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. ~-~~~,. 1 4388642571278152 25 2886710090000088005 `~-'--"7"""~ Account Number. 4388-6425-7127-8752 Due Date New Balance Minimum Payment Amount Enclosed Jul. 0 22 , 009 $2,886.71 ~ $88.00 PLEASE PAY AT LEAST THIS AMOUNT k9017782598727563l1 ROBERT II REIFF 1B4 W NAIN ST APT 8 HECHANICSBURG, PA 17055-6278 hlprllrrnlllrnhhy,wl„Ilyl,ll,nulr~llrhl~hull,l Lend a hand. Save the land. Manage your account online today- iYs fast, easy and secure. ® Pay online anytime-no more checks, rtamps or clutter. © MovingT Change your address online or on the back. ® Help save the planet-Go paperless. Sign up at www.wpitalone.com. Capital One Bank (USA), N.A• P.O. Box 73083 Charlotte, NC 28272-1083 Illllll~lll,rill!!~ll~lllllil„Illlll~~ll~lrlll~llr~llllllll~llll Please make checks payable to Capital One Bank (USA), N.A. and mail wfth this rnupon 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! Products and services offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A., members FDIC Capid One u an !:goal Housing !.soda ®10A9 Gtpira! Ont. Capita[ Omr it a fro my rcgistrrcdu,vra mark. Af! rgrbtr ranerd 007 73 1. Now ro Aedd a Fbaap CMrgs. _. - _-- aNrace Pedod. You wNl treva a mlMmum pros parlotl d 25 Wye wtltad flMrke d,rg. a new Wrohases, pw Mlanp barteNrs. Mw apechl W rdreees uW trees dhN dbrgw n you pay your total 'Nees Bakma•. In acaroanp wtth dre InporteM Ndbe f« prymxth below, ana m Gnb for h to M Cretltte0 by yet pryrtbm des daN. There b M prep period a eesh aOVMOes and apaclN treafM. In e0dnlon, there b n0 9rea parbd On ary treMactla n you do nd pay tM trial 7fww Babnce." b. Amunp fbanp Charge. Trensadkab wnkn an not supad b a gray penod are wsassetl flnartq Marge 1) Irorrl th OaN d IM tMaadbn «7) from tM Mle tM transadlan h prooessad to your Account «a) from IM not celartoar say a me currem atlkp parbd. AdOttbrrelry, tl you 01tl nd pay 1M TNw BYMp" Irom 1M embus ', bgWrp period In hrfl, Mrerke dtaryes catlee t0 scdtb to your urtpNd babrke unlN ms unpaa Mlana b pab In hM. Thb tress t1rM ye may sop owe roans charges, even n ye pay tM entM Now BMaMa IM11Med p t11e fM1xtl d yoW etatanbnt by dta paytMm dM rise, DUl tlb nal tl0 s0 fbr tM prwlab month. UnWb flnarka charges are added ro 1M appNCS61a fegmeM d your Account. c. wnbtum Pharos Charye. F« eadt bNtlng perlotl mn your aocdad b caged ro • nnanp ergo, a minknum foul FlNANCE CHARGE d f0.60 wlp M ImWeed. d. Temporary Remsdbrt b FMnp CMryp. Wa reserve tlN opts ro not wawa arty «M flrbnca chages f« any gNen Mtllrrg parbd. 7. AvNapa Dalb Balallp (IttcNMkp Nw Purdtaaw). nnarrp d,rge b pkubbtl M nuMpying 1M sly balenp d each aegmara d your axeM (e.g., cesh advanp, purchese, apadY twMfer, ant spadal Wrchese) by ttre consponarp Mtly perlodk rate(s) IM Tres Dwn pmlowy dbcbeed to you. N th end d each day tlunng nle awero perbd, wa apply ms awy perladk rate rot each aegMrn d your axem t0 th dNy MlanCe d exn aepmafd. Then al tM end d tM bnling Wood. lla add up 1M reWlli d mew tlWy pkYllMbp ro emus N Your peMWe 1lnarke sharps rot each segment. We add up the resuM from each aeprrhnt ro amw et ma tole! penodC nrwles oharya f«yer acauM. ro g.t tn• daly owns rot each aepmaM d yo« aawunL we take tM bepbning !!Mane for each tagmaM and add airy new trensactlonf ores a^Y Wdodk nnartp charge cMalated a me pmkxn eye Mlattp f«tfht telMtent. Ws tMn subtrecl cry PaYnwns «aedus Ported a d mY day GW ri Mbpletl ro ttrM apmaM. Thb Wves m me aeperels daly MIMp for sacra sagmerd d yet acccum. Howavar, M ye polo tM New Babrtp mown a your prevbua MabraM In 1uN (« n your new MlMrp cam zero «. «edn amounq, new trMaadloM. wtNClt pat ro Yo« purohesa «epecbl purdraw tepmanb are rest arbad to tM dMY Dsbnces. We pkubb IM averega Mtly DWnp M adding M tM 411y DNenas togedhr ant dNblrp tM sum by the number d me days b tM emmt dNing cyde. To pkulele your friar nrtanp charye, mumpry your awrepa dMy Mlwtce by 1M tlMy parbtlk rata and by Gre numbsrd Jaya m tM dlling penotl. Duo to rourtdkq a • dely MaN «tlw ro Mnlmum flMrsp dwg. atsawmM6 there nhy M a vanartes beheeen fhb ctldrbtbn entl tM amount d flnMke merge adrbtly meessatl. 3. Mnuel Parpnlaga RaNS (APR} a. Ths term "MnrW Percantegs Rate" may appesr es "APR" on tM 1roM dmb etatemeM. b. If tM code P (ouatary PnrM). L (ouaneny ueoR), c (OUmtery CD), «3 (Barlkpro Prima) appear a the from d tnb sretament next tome pedodk tale(s), tM perlotlb Mes arW Conespondkp ANNUAL PERCENTAGE RATES rosy vary quetlery entl may Inemse or dscresw Mead on fM stated Intlkes, as lend In The W611 Street Journal, pus tM margin prwlously dbdaa0 ro you. These changes YAII M MedNa on tM flnt dry d your b111Ing paned covered Dy your panodk statement anding In the monlM d Jaeary, AWI, Juy ant Odober. c. If tM cop D (MOMhy Pnme), F (MOlnhy LIBOR). «G (Traesury LIBOR) aPPeare p nN fn%G d your etatamen[ MaT b tM Wndflc rMe(a),1M penotlk rate end ooMapondmg ANNUAL PERCENTAGE RATES may vary moMhy end mry InCrwse «MCreess Mead on tM staled Inelces. es fountl In TM wall 31reN JemY, plus tM rrrryln pmlousy dlsebcetl b you. Thaw cMrges wlu be Madlw on tM flret tlry d your dNing perba eseh rtgmh. 4. Aesesemenl 01 LNa, OwrNmlt and Relumed Payment Feaa Under tM temp d your eatomar agrsertam, we reserve 1M nghl to waNe a nd to essesa any teas wntret pn« rrdtlkallon to you wttMd waNing our npht to esseas tM fare Of clmlbr few M 8 brat Grtla. 5. Mambershq FN arW Renewkp Your Aaecum. n a mamDBrehlp be eppwre a rota abtemam, we will datlN tM tw n you request ro cbw your aaxxan wlmin 30 days d tM rrlaltlnp d thla atatemant. Ve mry camnw to use tM account dunng tM 30 tlry perbd bards your request It you d0 rlol pay YI drerges owae on fhb saorsM wtlh In 9o tlays, or tl you use your creep cant «axeM after you regwat to rises, any memMrehlp tee pmbusy waived may M relesteted ro your exount 8. Claing «Suspentlkp Your Aooounl. You mry request that your accormt M deed by plllrg «wrKbp our Customer RebMM Oepannrrtl. N tM Grp d your request, we will provba you wtth salGOnY dablk on dplrrg your adount. Thb may IncluW payment InlomtNbn. If you uw yet credo qM «eharyes pat to yo«acauM Mar you eak a to cba yet account, wa can keep yo« account open « reopen tt. We may cbw a suspesd your aaasM and your dent to obWn cretltl. We mry do Ihb N any tbw ant f« any remora, oven n you ere nd In tlefaun. A suspenNp d yo« account prt M pamenaM «temporery. 11 your 9ocouM Is daetl «eua Wntled, you mat stop slog your credit card end account. Ve mat oho pnoM ell prwNlronzed dlling errerrperthMe to tM account. We wltl nut do rob rot ye. If car ekxe « WmhMntly wepentl yet apowr6 ye moat oho destroy aq cretlfl ante entl aaouM access Cheeks. You mat stlN pay all amounts ye owe es on the account even n thry ware charged Mar your eaem Is deed « saWrMea. 7. Makbp Payrrtenre. PryraMe ye mMl to m will M eresnetl to yet account a d ms Melrraes day vw tepNa q, prwlded (1) you santl tM banom pomon d thla stNertwM entl yet dock in tM Mdaetl remltlanp anvabpe end (7) yet prymem Ia raplwtl In our prorweing enter by 3pn ET (17 nos PT). Peese Plow M Iwst fM (5) hotness tlays /« petal dMlwry. Payments rspNatl by a at ary dtr« kwetbn «In any doer }orm mry ref M crodNm es d me py wa reaNe tMm Our M6lrress drys are Mobley through S. Notlp Abod ENClronb Cnaek Conwrebn. When You provbe a dtack es prymam, You auannzs a Mher to uw IMOrtMIdt hbm your chock b rrW n a onWlma eladroMC fund treMbrltom Your deWetl account «ro props the WyrMM es a check Itansadl«I. WMn we ufa IniortMnon Iran your chock to nrke M ebdronk hod trensfar, fonts Try M wnMrewn from yet OepaN account es Boon es tM wma py sre receNe your WymsnL entl you win nd recNVa yet dwck back Irom your mrarldY Inatllulbn. Your adhdlzalbn Is nd IkretW by ma tlue on IM check. We mry rosubmtt ant ebdronkaly cdbd ratumW paymera. 9. BanKNptry. 11 you are eMItlW ro bMKnplry proreNOa 1« your accent. fhb cararksnkMbn b omy 1« Inrorrtbtlorral Wryaes. n b nd an attemq ro Idled, Suess «recover a OsW «dalm. Do not send arty pryrtbnts dlredy ro w wnhod spsaklrp wnh yet Mnkruplcy ademry «tM Bankruptcy Coun. I1 ye want ro eontad a about your account «yer Denkroptcy procestling, pbesa haw your Momry contact a. tBILLING RIGHTS SUMMARY (In Caw d Enos «OUaatkm about VerBttq It you mink your NII b wrote, «X ye MW rtrore InbmtMlon on a lreaectlon aril!, wMe to a a • sepaeta sMet es soon es paalde W me atltlrwa for Ingdrles eMwm p tM front d tole slMenam. WB must beer from ye no Idar IMn e0 Days Mar we sent ye the nrat rill on wGkn tM error «proWam appesred. Ve pn eM er Customer RsMbm numWr or holly a by amM «waMM, lMtl doing so wiN not prewNa your dghh. In your beer, glw a the btlowing mtamNbn: your name era accatM nunWer, tM tldw amoum d tM sppadatl error, e tbtcnpNOn d me error end an explanation, n poeslbb, d wiry you bMbve mare b M error, «N ye Matl more Inforrrrtlon, a pecnpnon d tM Msm you are upon shoo. You eo nd Mvs to pay arty xrkum m queetbn whM wa an ImestgMrp tt, but you are allll obtlgatetl b trey IM pant d yo« bltl met are rrd m quetllon. W hlb wa InvestlgMS yo« gpetbn, vre arerd reedt you es dNlrpwM or bka any adlon to edbct tM amount you question. T SpecW Rub for CMn Cero Purdmes n you have a problem wtlh tM qusdy d progeny «wrvlces met ye puronased calm a dsdX pM and Ya Mw Mad m gbdd telth ro coned ma problem wtln tM nhrclhnL you mry Awe tM rqM not ro pay tM renrming amount tlp a tM proWry « aervkw. Ye hew thh protedlon ony whorl ma purdwa pna was more than (80.00 arW 1M puroMSe cam made In yet tgrrb atNa «wlmin 700 mllm d your mMlbp atltlrese. (II we own or opereN tM merManl, or N we rtlMletl you the advNUSanbM 1« me property or wrvkes, eX purcnesm are coveretl reparoless d amount «bcetbn d purcMw.) Please remember to algn all arrmWntlena. t Does rkt appy fa bakwsa BCUOUnb CapnM Oa cuppMa In}«rrbtlon prNacy proledbn see our weMna M CepNM Op b a tetlerely rapbleretl sarvke nwk d CapMl Ow Flnendal Corporetbn. NI ngMS reserved. O700a CepMl OM Changing Address? Address ................ Home Phone ........................................................................................... Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • DonY staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `9 statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but rat least, be sure to write your 16-digit account number on your check. ~:a~>Mlh sooooa '""""a'"r°"'wa'~°' It could happen to anyone. Make sure you pay the amount ROBERTM REIFF due on your statement as soon as possible. WHOOPS ~ Keeping your credit in good standing can do a lot more than you think. LOUD CREDIT =GOOD CREDIT REFERENCES ~ a ~ a BETTER INTEREST RATES a ~ ~ (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) m 2009 Capital Orte. Capita! Otre it a ftAnal(y rrgirtrnd trrvirr mark. All rights rrirrutd. Previous Balance Pa ymenta & Crodlts FINANCE CHARGE Trartaacdona New Balance Mlnlmum PayrneM Due pate $2,886.71 -1 $0.00 + $54.98 + $39.00 = $2,98 60 9 $215.00 _ (Aug. 19, 2009 Jun. 26, 2009 -Jul. 25, 2009 Page 1 of 1 ~ Vlaa PlaHntun Aceottnt 4388.8425.7127-8152 Your Account IMormatlon TOTAL CREDIT LINE a3 000.00 TOTAL AVAILABLE CREDIT 519.31 CREDIT LINE FOR CASH 53,000.00 AVAILABLE CREDIT FOR CASH 519.31 PIfASE PAY AT lIASr THIS AMOUM You're behind by one payment Remember that paying the minimum payment by the due date keeps your account tartans. So make sure you send in the minimum payment to keep your account curtent. "Imponanl Notioe° Your account was past due. Under the terms we previously discbsed to you, if your account is past due again in the next 12 billing cycles, your Annual Percentage Rates (APRs) may increase. Payments,. Cretilts_& Adjustments Finance Charges (Please see reverse f« important information) 1 20JUL PAST DUE FEE $39~ Balance rate Periodic Cortespondmg FNANCE applied to rate APR CHARGE Purtdlases $2,920.93 O.OG174% D 22.9096 $54.98 Cash 50.00 0.()682296 D 24.90% 50.00 ANNUAL PERCENTAGE RATE appled lhls puled: 22.80% You were assessed a past due fee because your minimum payment was rat received by the due date. To avdd this fee in the future, we recommend that you albw at least 7 business days f« your minimum ® At Your Satdu • Go b www.txtiteMa mm b menepe Y~ ewolxlt ~ payment to reach Capital One. «Cat 1-000.903.3831 b ~ repot a bd «stobn card «speek b Cusbmer ® Pay OnIIM at www.ceoaetrle.oom «mdl yar peymad b: OapiW Oro Bank (USA), N.A • P.O. Box 71083 • CherWb, NC z9zn-toe3 Send InqulrNa to: Capital Orly P.O. Bmc 302 • Sd Lake Ciy UT 8, 4100285 ® Haw a quaaon about a chugs on your sta4mart7 Please refer to the Biding Rights Summary an the back of your statement «visit www.caoitakxte can/diseases PIEASE RETURN PORTION BELOW WRH PAYMENT OR LAG ONTO \NW W.CAPRALONE.COM TO MAKE YOUR PAYMENTONLINE. 1 43881542571278152 25 2980690090000215000 ` Account Number. 4388-6425-7127-8152 Due Date New Balance Minimum Payment Amount Enclosed Aug. 1 29 009 ~ ~ $2,980.69 $215.00 PLEASE PAY AT LEAST `~~~~JJJJ THIS AMOUNT N90207825987275t58k ROBERT N REIFF 304 Y MAIN ST APT B RECHANICSBURG. PA 37855-6276 'Il'Illlllllllllll'PIII'IIIIIIPIIIIIIIIIydllll'Ill"IIIIII'Il Lend a hand. Save the land. Manage your account online today- iYs fast, easy and secure. ® Pay online anytime-no more checks, rtamps or clutter. © Moving? Change your address online or on the back. ® Help save the planet--Go paperless. Sign up at www.capitalone.com. Capital One Bank (USA), N.A• P•0. Box 71883 Charlotte, NC 28272-1883 Illllll~lll~~lllllrll~lllllll~~llllllr~ll~lrlll~llr~llllllll~llll Please make checks payable to Capital One Bank (USA), N.A. and mail wRh this rnupon in the enclosed envelope. 1. Horn b Avotl • FMerra CMrge. e.Oreoe PWbN. You wiN Mve s mMlmum area Dxiotl d ZS tleYt WNMd MMta CMrye d1 MW purohrr, new palarlee IIa11atM. new epedYl prdWet eW rieW Omer dlatgee n ra pay yoxtoul `Hew Brana•, b aocoroanoe wxr me Imporbnl N«Iq f« peymantt Drove, aW b tlra i« n to W crotlMa by yo« psyrtuM «re ere. Tluro b M area WrIW a atn Wwnae aW epecW ifrbNro. In atldtbn, ihM b rk grope Perlotl on orry Mmaction n you oo nd psy iM idr TMw Babrwe.' D. Aedwp Feurroe Chatpa. Trontecllor whkh M nd raged b ^ grace perlotl M rtrtea flMrla dwge 1) n«n pro pent d iM tmeaetlon d 2) fr«n me Wb iM fin alxtax p0atte0 b your ACCaiM «a) from iM aY d tlro anent aNkq 17rbtl. AtltlNbnry, h you rNtl nd pay tlro'New Brrlp-itom IM pwlow blNlrp penal b tun, nnatke dtaryr coMinw to aoaue ro your urpNa bauna umN tM urlpab abrla b prtl b lun. Thb frNxlt iM you may stll owe flnana cMrgr, even n You pry ttN eMlro NeW BWI1a intlkatW a tM 1r«d d Your xrerrlent by iM payment tlw 4b. Dal tlb nd tlo q t« iM Drasbus monm. UnWlo finance ohargee an WNW b IM applkxDro spmem d yox AoCOUnI. o. Mktnrxm Flnana CMrye. F«eaa Dnwq Wna tMt yox aaaud b coped b a flMrla costae, a minimum tdr FINANCE CHARGE d iGNO wN M MnDosW. tl. Tengorary Retludlon b FYlana CMryr. Wa nerve tlM IIgM b Irol tarn any «xl /k1arlCa dollar b/ any tYt'en ~q Pxbtl. 2. Awrpe DYY Brma (Indunkp Nall PlrrMrrl Flfunoe CMge b oskulretl pY mlNl)dyip iM duty prarka d rCll WprrM d Your eccamt (ep., Crh atlvana, Puronre, tpecW trrefx, eW sWdal Wronre) DY tM oorteeporglnp tlry penotlk faro(s) thr Irot Deen Dlwlaby tlbd0aW b You. At iM eW d eeCh tlay poop 11N dlgp WNW. are apply 1M orlY pWOrC fre }« Mdt sepnem d your acaullt b ma ory abnce d earn tenrrleilt. ThM r dro eW d 1M dNbq Wnoa we aW up iM muM a nror ory akuWbM a smva r roar pxbtlk flwrue dwq. br cacti rgmeM. We aW up iha mob tram tiro segrrlent ro crow n iM [obi Wnak flnsrlce dlalge for youexount. To qr ms tlry brerla for eadl tegmem d you aoeam, tie uk. me pwbnkro Dabrke i« Wen segrtlsM eW a«1 cry new tronsaetlona aW ttry PMloxc Mlall0e Mxge cakuble0 a me pmkwe tlaye Dxrke bfiflr>'pn>M. VW 1Mn suntrap arty PMrbrdt «at~01q WrW r alna aay fiat M rkkretl to ihr tpmeM. TIW glues w 1M eeparoN ory Gana rot eadi aegrrlerd d yol..x«a,t. However. N you psk iM Nsw Bablla ehoen an You Plaviow atatWlmt In ndl (« n Your Mw palelt0e Wr zxo «a de0n amouM~ Mw banetdbm, whkh pot b Your punrgse or apedal DI-dMr eegmrts M i101 Waal b iM ory prancr. We Cakfrab tlN average ory OratlCe by aWhp cep iM tlaly the ONYt m tuna CWUmult DlWakp nw wm Dy IM mnMx d p CycN. To akWate yourbrol Mlsnce drNe• nwNPy Your averpe tlallY Drerla by me orry pmWk ore eW pry iM Mmlbxd tleYt b tM MNp Pellotl. Dw ro nwWklp on a tlaNy Dab «tlw b minklum finance dlxge aetermaM, true may w a variance brwrn tldt erCUlrbn entl tlN amount d finance Clrofge actuary rtreW. A Maur PeraMape Rates (APR). a. TM ixrrt `Annur Pereerdepe Rre• mry apprr w "APR• a me rnxn d rob tb1xMM. D. tt tM ootle P (ou.neny Pdrru), L (GUxterry uaoRx c (Cluartery CD), «S (BankaM Pnnb) aPPeen a tlro front d iMt sbtemem next ro Ilro Dariook rob(e), the Penotlro Mes eW conwpontlip ANNUAL PERCENTAGE RATES arty very quxury xkl may Nkmte «a«are bpeo a tlw tut W Intlkr. a fcu W k TM WNI Street Journal, qw me rrorgin pmkawy tlbdoeep ro you. TMee CMnpet tan M Mectlw on tlro Nut aay d your Mlllp put W ooverW by yow Wrbok etrxMnt eMNp In me moMM d January, ApIL Juy aW Oolobr. o. n iM ode D lMOMntY Prka). F (MOMhy LIBOR), «O (Trorury LIBOR) appetn «I Ule tIDM «yarshtemam Mxl b iM penotlk rero(s),1M Wrbdc wife erltl armponoklq ANNUAL PERCENTAGE RATES may vary mommy eW may Incfere «aeerow prep on the alma IWkr, r fW W In TM WaN Stier ,bun W. pw Nb rtrryb pmlaty asdo.etl ro you. 7Mr ehrpr will a eMdNe on tM flrot aY d yo« NNkp pedal rch month. t. AsrssraM d Lrs, OvarWnN aW RalumW Payment Fep. lMtlef iM ixrre d your dbtOrrbf allrorrM. we arena tM nptlt to verve «rkt ro ateee xry tae wMlout prbr Mtmatbn to you wphad waiving our pM b arts IM rme «akMlx ter r • Irer tlra. b. WnDxehip Fw aW Renewalq You Aoc«tnt. n a rarMMhlp Ns apprro on tMt alarorrleni. we wIN detln IM roe N you requrt ro elves your eoeouM wimkl 30 tlaye d tM rMNklq d Ihh steromem VW my connnw ro we iM axaM tlunp tM 30 aY penal Debra yow spurt If you W net pay rl dlxgr owW a iMt adMnM wNtl In n0 oayt, «n You ur yawcrotln cxo «slkowlt aNx yW requax to cote, orry rturrbereMp tee PrwlDwy vanvW may a rolnalrW to your awowt. N. Ckblp «SwWntlNlp You AcauM. You may roqurt ihr youraxouM M CIaW by aNlp «vrtitinq our (:U{IWw Rralbne DeprirruM. N tM time d your roglutt tw will provkb You wlm atltlMOMI aver on drip your aCCWM. Thb rosy Incba payment IMOmlrbn. If you we your «etln put «ehargse Poet to ycuraadlM Mw You rk w to cbee your aocounL tvs Can krp your eeaunl open « lecpen N. We airy ctor «wapsn0 yox account aW your dpM ro odrn d.en. Wa may tlo rob r airy time aW br ry rwon, wen n you M nd In oahm A swperlon d your aaroum an a perrroMM «bmp«ery, n you acoouM h pout «ewpeW W. You rover top wbq youreMdl exo aW eoawlt. Vou roux Mw wlor sN Pr'rdulhonzW anp alralganlxlb ro me sOCOlnI. We wig nos tlo rob t«YW~ II we close «WmrMMy swpxa Your eaWM, You roux abo tlrWy m «etln arot eW axaM exra cileas. Ya mutt stln pay m annllMt you owe w an 1M eaouM, wr tt they WM CMIgW aMryour aDC011m b dof W « sueWntlW. 7. W Mq PeYmnb. PayraMt you mrl ro ut wNl M erotlnW b your aceamt r d me Dwhroas oey we roans N, provbW (1) you rata iM botbm p«Ibn of rob abbmrtl eW youf dNCk In tlro coda W Ia111Nlarke ewelope aW (2) your peyram b reaNW In our proarkp oerper by 3pm ET (1Z noon PT). Pore rlew r leaf nw (5) bwNrt Mya for pcstsl tlNNely. PayrMrds roceivetl by w x airy amx kkxbn «In orry dMr lorrrl rtry rid M crotlMd r d iM tlay the rocrva mean. Ou Dusirrota tlaYt M Montlay through 8. Nbtka About ENdronb CMak Carmrobn. WMn you pmvWe • duck a paymtm, You edtknze w Whx to we IMOmutlon IIDfn yWf CMCk ro r11aKe • «Ienr1M redronk lone tmsfx from Your 0spoen aocouM «b proem tM WYmem a • elNOk trontedl«I. WMn ee ur Inlomwlbn from yo« duck to make r eledronk Juno paMbr, lurMe may W wnhMwn norrl yartleWSN aCCOUM r coon a tM sartu ay we reaWa yo« Wyment. and you WNI not nacWw Your dleCk peck nom Your Ibrkbt Inrmnbn. Your adMnxrbn b nd Nnwetl Dy the ore a iM Check. We rosy mu«Mt Wtl eledrcvrlaly coiled rorumW PeYrruntt. N. BaMwploY. n you M eMNbd b MMmlplCy Proteetloa f« YWf tdkOUM. mkt c«munkricn b OMy 1« kdonrlWOrlr purpaeet. n b nol r enema ro oohed. revue «roeover a oed «dakn. Oo nd taut xy psyrrrMt dnsety to w wklbut apaakhlq wlm your btnpuplry aMnley «iM Bxdtrupley Co«L n you WeM b COlltad Ut eDOd yar acWUM «your MMtruptcy p«,wtlip, place nave your money contact w. tBILUNG RIGHTS SUMMARY (In Car d Ert«s «OUptbM eDOUI Your BNI) If you Wok yar dp b wrap, «M you MW moo InfomWbn a a troneactlon or Mn, wMe b w on a teparre rrx r aoan r porire r iM Wtlreea br pgrnr shown on iM mrM d tnb etatrMrd. We rover hexflom you ro labrmen 8p tleYt aNx wa and you IM flM bNl «l wNM tM sraor «praWn epprroo. You an all ou Cuxorar WMklr number «rrotlfy w by emsN «eeMns, bU dokp so wlp not pmerve your nghb. In Your IrroL ante w iM blklwip kfolrrrtbn: your nxM eW account numDx, tM i1dW amamt d nro ewpedetl coot, a oeWNNlon d iM emx aW r expiWma, d paalDb, dwhy You DMIMN tliM b r emx, «n you ileW okra kdortMbn, e tleacnvtl«I d tM lam you M urtlro mdN. ra ao rat now to pay orry amount b Wrtl«l WdN we M imeNgenrp n. but you en still ddlpalW b py IM pale d your wn nrt M nd N qurnan. WMM vro MlvatONste yo« gtuetkxl, the prod rep«t You r tlsNrqueM orbb ry aClfon to cdbct tM amount you qurtbn. t SpecW Rub for CIWM CaM Purchrr 11 you hew a propbm wNn iM qurlty d prop Wy «rMCr that You 1rttCnrW trNl a aetln ant eW you haw iMtl In gout tams ro coned tM pmbbm won IM mxoMM, you may Mve ma nqM net ro pay iM rerMinlp xrowt ow on the poWrlY « tervkm. Ya hwe rob pnredbn ony whin tlro WnYlar pna vm moro Then 150.00 err IM purohre wr meM In you home sub «witldn 700 rtlNr d Your mrpp aWme. pf we own «opxM tlu nleleMm, or n vw rrWNO you ilu awenbemeM r«IM propMy «axwat, rl pucnrr to cwelstl rogaNbn derrnuM «banon d pun:Mr.) Pore lenbnlMrto sign rl caretponMna. t lbsa not apply b bwlnrs accounp CapNr OM support Motrrrtlorl pMacy Plotedron: eae our weMIN r ,~ Cepnr OM b a fWeroNy regbtxW tervke mark d CepnN Ono Flnrdel C«p«Nlon. All n9W mxved. O20w CapMl One Changing Address? Address ........................................................................................... Home Phone ................................................................................... ........ Alternate Phone ..................................................... ...................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue ar black ink Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • DonY staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your ~.. statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. wh~Ys !n your wallet? LET'S TALK -WE'RE HERE TO HELP. 500009 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One° we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to vvww.capitalone.com. © 2rN19 Capital Onr. Capital One u a federally regittercd seruia mark. AU rigba sererved FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due pate $2,980.69 - $0.00 + $58.72 ~+ $117.00 ~_( $3,156. 14 $347.00 ~ Sep. 19, 2009 .__~ Jul. 26, 2009 -Aug. 25, 2009 Page 1 of 1 i Vlsa Platinum Account 19p•t4,2~7127.8152 Your Arwount Irt}ortnafJon TOTAL CREDIT LINE a3~000,00 TOTAL AVAILABLE CREDIT x0,00 CREDIT LINE FOR CASH E3,000_00 AVAILABLE CREDIT FOR CASH 60,00 Flnarlce Cheryes (Please see reverse fa important intwmation) Balance rate Periodic Comespondng FINANCE applied to rate APR CHARGE Pwchases 53,019.00 0.06274% D 22.9096 x58.72 Cash 50.00 0.06822% D 24.90% 50.00 ANNUAL PERCENTAGE RATE appled this psrlod: 22.80% At Your Servlu • Oo b vnvw.rxoaehrre tom b meneae yarn accawd a Oat 1-000.9033G17 a report a bst a 6t~lxl card a speak b Cusbmer RelMicrw ® Pay AINM et waw.cerifetaeaom a rne0yaor payment b: hpM One Brrlk (USA), N.A • P.O. Bmc 11083.0'larbtb, NC 28272-1083 Sand IngWrtes to: Capitd Onr P.O. Bmr 30285 • Sall Ldce Oy UT 8.1100285 ® Havs a questlon about a charge on your atatsmeM7 Please refs to the Billing Rights Summary an the beck of your statement a visit www caatabrie coml6soutes ' PLFASE PAY AT lFASi THIS AMOUM You're behind by Iwo payments. Lars taNc. If you're having financial dtfiailties and can't make your minimum payment • we want to help. Lars work together to find a solutan. Pamtents• Credlta b Adlutttments Transactions 1 19 AUG PAST DUE FEE ' ' 539.00 2 25 AUG CAPITAL ONE MEMBER FEE $39.00 3 25 Al1Ci OVERLIMIT FEE AUG 25, 2009 53900 Your account has gone over its aedil limit. To sued additiorrel ovedimit fees, you should pay mae than the Minimum Payment. Please pay enagh to bring your account baance bebw your aedt kmit immedatey, and make sure your account balance remains bebw your cre6t limit. Pl~se be sure the amount you pay accounts for any future purdreses, fees, and finance chaggs. You were assessed a pest due fee because your minimum payment was rat received by the due date. To avoid this fee in the future, we recommend that you albw at least 7 business days for yaw minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4388642571278152 25 3156410090D00347000 `~ Account Number. 4388-6425-7127-8152 Due Date New Balance Minimum Payment Amount Enclosed Sep. 291 009 $3,156.41 $34 07 0 ~~ PLEASE PAY AT LFAST THISAMOUNT k9023882598727563k ROBERT R REIFF 304 W MAIN ST APT B RECHANICSBURG, PA 37055-6278 'Illllllhl'lllll'IIIIII"11111'III'IIIII,IIl,111~~r~IIIIIPIIIII Lend a hand. Save the land. Manage your account onUm today- iYs fast, Easy and sQCUre. ® Pay online anytime-no more checks, stamps or clutter. 0 Moving? Change your address online or on the back. ® Help save the planet-Go paperless. Sign up at www.capitalone.com. Capital One Benk <USA), N•A. P.0• Box 71083 Charlotte. NC 211272-3083 Illllll~lll••Illll•II•1111111••111111••II~I~III•ll~~llllllllrllll Please make chedrs payable to t-apical One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. ROBERT M REIFF t. FIOw t0 Avon . Flneroe Cherya. e.(rrace PerloA. You vela Mve • malrtkrm gate penotl d 25 tleys wlarow ikrenca aherye an Mw twronww, rww hNerlCe aerofMe. MW epeClN purdrww area rllw dhN CMgw n you Dey Your total "New BelerlVY". In eadMenw wNn tln Impatanl Ndke for peyrMMs Drove. eM N tlma ror a ro be creANetl M your payment des Are. Then b n0 goae pedoA m Cwh eAVanwe era sDedel trarohrs. ID sAanbn, then b m graa pwatl Orr arty Mroedan a you AO rep pay tM totN TNw BNwroe." D. AooMYp Faenp Charge. TnrraaCtarb whkh ere nor auDJed k e pace pNloA ere awwsetl flnence charye 1) from ab wN d tM tmwdlon d 2) from the ~ tM VeMtlbrr b procwfeA to your ACCWM N a) trorn tM not eNaMN pY d pw axrwt bilNnq perbd. Aetlabnely, N You tllfl rrol pay tM'NNY 1Nalaroe` from tM pravaua DNNng perloA a Np, Mwna ensryw cmdnw to axnre to your unpaa Oebrrce uMN pa unpNtl Mlance b pre In lure. Thb means thN you rroy rNl owe flnarrp charge, awn a you pay the eMke Ilew Belenw IrakNetl on 1M from d your etabmeM by aw payment Ave deN, do as red do N fartlw pnvbus month. lkrpNtl flnerloe charya en edAW 101M aPPllceble tegm•M d you ACCWM. c. AAMNfrenrr FTnNroa Cherye. FNeeCh dekp pertoe 1Mt your eccorrra b Mermlled b a flnena dwrya. a minimum kIN FlNANCE CHARr~ d 10.50 wIN M krtposW. A. Tarrgorary ReAtraAbrr a Flnenw Charges. We reserve 1M rqM to rql efwss arty N N flnelroe dr.rgw fa erry 0h'en WMMp period. 2. Awrope OYY BNenw 0rokaktq New Purohafw). Flroroe CMrge b wkwetw by muNlplylrg 1M daNy bebnee d eeoh sagrrbnt d your eocouM (aq., erh advance, puronwe, specbl UNmfN, end epedal purcnese) by an cmwpmdNq dry prloAk reb(f) thN Dee Daen prevbwy Alfaosa0 k you. N aw end d acre aY dulln9 Ns blNkrq paMd. tw eppy aw Aeey penotlk rate rdeech sepmeM a your aocode ro tM ANy Dabrrce d Been aepabm. TMn N 1M eM d tM blakrg petloA, we add up n» refulb atnwe aNy cNafraro ro trmvs N yoN pedo0a arerrw arrge breech seprnwA. We eAA up tM rwleb h0n1 eecn ngrnerrt b eMVe N me tdN IHtlodk Mwrca Merpe toryoN eccdtart. To get tM ANy brans ra each wgrrwrrt p yoN eacotrnt, wa tab aw Depnrra9 bebttq br eeoh sepront erd eat arty new uameNans end erry perbrc tkrerla rJre19• ukuMetl on Iha prrMUs days DNerree br tlnt segmere. we tow auWed arty DaYnbnb ddMb posMd w d thN dsY thN ero NkrcNee ro mN sepnrra. Thb gNas w an separab tlNy alerrp for eaen seprrerrt d youreccauM. tlowwver, N you pNd tM Nave BNerrce itrown on your pmnow atNenrm a fwl (a n yaN MW Oelellae ww Ian a e Cledn errqunt), MW Iranfadkpb. whkh pest b your Wrohpe a speelal puroMN eepmwb are not adtlN to ttre dNN Mbnwa. We akubn IM average tleNy brence by adanq NI tM tlsNy brenor topstlbr ant dNahp the sum Dy me numMr d 1M tleYf M tlw arreM dNing cYcb. To caktrlNe your tOW nMrlw charge, muapy Your avenge tlr1Y Gbrree by ms tlNy panoac ore entl by tlN number d days In tM dllkrg period. Drra b nwnanq on a dry Msb a sus b mlMmum flnerke ahNq• wieNrrrra, then mry M s VadNks belraeerr fhb CNCWNbn area IM amount d flMnw cnarpe eduNy wswfed. 3. MnuN Pawnlepe Retie (APR} a. TM tens "MMgI ParoeMe(p Rare` may appear w "APR" on pre 1roM d mb atelecbM. D. n IM catla P (OUaAany PnrM), L (Ouarony LIBOR), C (OUwtetly CD), d 3 (BNrkceM Ptlcb) eppers on 1M aart d tNe strwrrwt Ma kme pertodk rNep), aw Perlodk Mw eM aormpontlkrp ANtH1/1L PERCENTAGE RATES mry vary queMny era wry Inawsa a tlecnaN Desed On tlN /1NW IntlkN, a taurrd In TM WNI SMN Journal. plw Ura margin vrevkwN tlbdwed to you. TMSe Changes wIN M enedNe on ale ant aY d your DNling paAOa rwvend by yourpedodk stNemem entllnq In tlw momM d Janrrery, ApM, Juy ant OekbN. c. I11M Cofb D (MaMMy Pnrro), F (MOnmy LIBOR), or G (Trswury LIBOR) eppeere on an IroM d your etNemeM not to tM penalk rab(i), tM peMdk rNw free aonwpontling ANNUAL PERCENTAGE RATES mry vary moMhy era may IMrewe a aeaewe tmaetl on nn orated IMIICw, w round In TM WNI Street JoumN, qw me rrorgln pravbwy tlbclofed w you. ThaN cnarga will W MedNe on the am dry d your Mukq f+•rlod wen month. ~. Aaswertwnt d Lau, ovarYrril area RNUmw Payment Few. UMbttM lerrrb d yoN eueknbr egraenbnt. We reserve tM tlgM k verve a rrot k wsws arty fees wMrwt prkr nar111CNlon k you warod waNNrg our IIpM ro wsws tM serrre N rMbr few M e bbr tMw. S. MerrMnhp Fw end Renwrnq Youf AooauM. a • rrombenhlp IN eppeM on fhb sbtemrtL aw wIN aeMt the foe n you request to ekfse your axouM wmdrr 30 drys d rtes malNrrp dMb slNemeM. YW mry conanw n uN rife ecoourrl durklp IM 30 d.y psrbd bsron you request a you do red pry NI cMrgw awed On fhb acoarM wah k W deYs. a n you uN yourereal taro a eceounl efbr you request to ckxe, any mamMrahlp Ise prevkwsy wowed may Oe MrotNatl to your eeoount. c. Ckblrg or Susparakq Your AeoouM. You may request roar your aooount e• dosed by cNMrrp a wmlrrq our CuslomN Retauons Oapanrrrern. At tM rims d your requwL vas will provaa you wNh atldltlonN tlralb m awNrp your account. TMs may IneWM payment wamuebn. If you uN youreretla Caro aetrrgw Por ro youracowM aner You Nk w b close your accanl, ww wn keep your eeoDUM open a roopen k. Ws may elose N swpeN yarr eoaouM end your rqM b dnNn aedl. We may do 1MS N arty erne era br erry reran. even a you en na k Mhrrn. A susperobn d your aocaen Can W pemrnNlt a 1Nrlpaey. Ityour aowuM b dwaa a suspaMW, you mar stop wkrq your coal eaM era aocouM. Vow roust ab0 CeneN NI pwdhoroad aNkrp enwrgMwMf to tM eaoouM. We wNl red tl0 mb bf you. a vp close a parmarwnly suspend your account, you mar abo destroy ell erwk tyros Na eCCWM access eheCks. You mwt NII pay rl amoume you owe w on tM sCCOUM, even n they wen enarga0 anN your exwm b doaetl a awpaMetl. 7. hhklnq Peymwb. PayrroMe you mNl to us wilt W crednetl to your account w d an Wbnwaa day eve receNe n, prwae0 (t) you fend tM Odtom ponbn d fhb shtemeM ant your cMCk In ab endaM remNlenq emalape and (2) your peyrMm b IeNwetl a oN processkrp pMer DY 3pm ET (12 rgon PT) PNwe allow N tier five (',~ bwmwf days for posbl dNNNy. Peymenb neNwtl by w N arty omN krcetlon w In erry dhN brm msy not M credasd w d the day 1ve reCeNe them. Our bwlnws days n Monday through S. Notla Abed EMdronk Check Canwrebn. WMn you prorkb a cMck r prymwrL you awhorize w eahN to Ute krfomMl0n Irorrl youraneck k rtrb a one-ama ebaroMC Nra tmNNtran yoNAeposn eoeourd ato proaff 1M peyrrwm w • chick aeroedlon. When ws we Inbrrrbtlon nom your check to meb an eladroMC tune aeneNr, Nrdf mry W wahdrewr tnarr your epee exwM a loon a tM terrw day Uw nONW your PaYmenL and you WHI rrol reoeNS your aMCk beck from yoNtawrcW kraulbn. Your eu1Ma2Nbn b not IIrNIW by Ma the an fire alreCk We may nsubmN sntl ebetronkesY cdlact returnee 9. Banauplry. II you m eMMNtl to barrlwplcy probClbM for your rrxamt, tnb carkrunk:eaar b any /a Inkmraonal purpaw. h b red en enemp k coNed, wseu a recow a tlebt a Cbkn. Do rrot sent any peymenb tllrscay to w wnhoW epsrcing wnh your OerrkruptCy ettarrley atM Bankruptcy Court If you went k CanteCl w aMUt your eaouM ayour bwkruplCy prxaWing, Wwse nave your atlomey tamed ua. i61LLING PoGHTS SUMMARY pre tea d Emuf d CNrwtbro N»ul Your Bllq I1 you mkk your aN b wrong, a a you roW more IMOnMan on e trenfedbn a bIN, wme b w on • sapersN sMN w Goon w IMNIde a the erklnN td Irlqulrbe sMerr an tln tnxn a mis iMerrbnt. We marl MNhan you rq INN IMn AO Aey{ aMr we NM you des and NII an whleh tM error a problrn appwred, Vou eNr CaY our Curator Reblloro numMl N rrotly w by emW a wsMM, bul tldnq N wb nee preserve your dghb. In your Islbr, qNe w tM eoNOwlrrp krlorrrrtbn: you narro and exouM number. file ddbr amount d are swpecbd error, s wsctlplbn d tM srra eM en eaplanetlon, a poNlde, d why you bNNve then b en eaor, a a you naN more Inkrrrrrlon, a tlwcnpaon d tM Ibm you en urouro about. You tlo red hive to paY erry anwtart a quastlon wnlN wa sro hweNlprkp N, but you en wn abllgated b pay pw pero d your bIq tnN en rrd k quwtbn. WMb are ktvwtlgeM your quptbn, w1 wood spat yes w AaNrrquNd NLke any salon to edbet tM amount yes grreftbn. i Spedsl RuN for Credo Cero IDrrreMSw If you have a probbm ester tM grbNy d property orservkw thN You purohwetl wnh a eradn card and you haw trbtl a good feah to caned tM probNrtr wah tM rrrerotbrd. you rMy haw the rqM Mt to pay tln rNMWng emourd des on IM proparry a Nrvkp. V W hero fhb prdecdon aMy Wtren are puwhre pace ww more then 550.00 eM tlrs fkrrolNae ww front M Your Mme stab a WNldn t00 miles d your nblMrg eddmf. 01 we own or operate tM mercMM, a a rn maNW you Me Nvemf«rore fa era PropMy or eervkw, all purohww are covered repartlbss d amount a krCNan d purdbN.) Pbaae rartwnOerto ogre au coneaponaenw. i Owe not appy ro bwkras 9oaowb Cepbl One supporo Mrlanrolbn prnecy DrdeCtlon: sN our wvbsas M ~ CepNN One b • gdereNy regbterW servla mark d Cap11N One FlronWl Corpaatlon. NI nglr rwervatl. 02008 Caprol OM Changing Address? Address ........................................................................................... Home Phone Alternate Phone E-mail Address Please prim address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • DonY staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your ~,O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. what's In your wa!let7 MAKE A PAYMENT. AND TAKE CONTROL 500°'° 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 f~gg check by phone service or speak to an associate by calling 1.800.955.6600. © 2009 Capital Onr. Capital Onr it a federally rrgittend rtrurce mark. AU righa mrrvrd PrevlrNra Balance Payments & Credks FINANCE CHARt3E Tranaactlorts New Balance Minimum Payment Due Date $3,156.41 - $0.00 + $62.14 + $78.00 = $3,296.55 ~ $484.00 (OCt. 20 2009 Aug. 26, 2009 -Sep. 25, 2009 Page 1 of 1 Vlaa Platinum Account 18Bia1Y.f•712749152 Your Account InfolTtTation TOTAL CREDIT LINE E3,000.00 TOTAL AVAILABLE CREDIT fp,p0 CREDIT LINE FOR CASH a3,p00,p0 AVAILABLE CREDIT FOR CASH x0,00 Finance Charges (Pl~se see reverse f« important information) Balance rate Periodic Camesponbng FINANCE applied to rate APR CHARGE Purchases $3,195.12 0.06274% D 22.90% $62.14 Cash 50.00 0.0682296 D 24.90X 50.00 ANNUAL PERCENTAGE RATE applied this parlod: 22.e0°A , At Your Yelvke • Go a www.ceo8ebrre.com b menage yo« account, «Cet !-0049033837 a repot a bat «sakn cent «apeek a Cucbmer Relelorus ® Pay OnllMdwt~w.eeoiWne.corrl«meilyu payment b: Crpitr Oro Berk (l1SA), N.A • P.O. Box 77083 • Cherbtb, NC 28472-1083 Sand Irrqulrlss to: C~iW Orre• P.O. Box 30285 • Sd LdoP City, UT 84130-0285 ® Haw a questlon about a charge on your statement? Please refer to the Billing Rights Summary an the back of your statement «visit www caoitabrle comkisoutes PIFASE PAY Ai LFASr THIS AMWNT You're behirM by tlrree payments. But you can bring your arxarnt current by paying the minimum payment amount an your statemult. If you're trevklg financial difficulties ant yotfre feeling overwhelmed - wewant to help. Clive one of our assadates a rail at 1.!300.955.6600. You'd be surprised what we can do together to work this out. Pamtt9nta, Credits b Adlustments Tranaactlons 1 19 SEP PAST DUE FEE ~ 00 2 25 SEP OVERLIMIT FEE SEP 25, 2009 $39 00 Your a«aunt has gone over its credit limit. To avoid eddtianal ovedimit fees, you should pay more than the Minimum Payment. Pl~e pay enough to bring your a«atmt balance below your crerif limit immeaately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts far arty future purchases, fees, and fmance chnges. You were assessed a pest due fee because your minimum peymenl was rat received by the due date. To avoid this fee in the future, we recommend that you Blow al least 7 business days f« your minimum payment to reach Capif~ One. PLEASE RETURN PORTION BEIAW WRH PAYMENT OR LOG ON TO WWw.CAPRALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4388642571278152 25 3296550090000484007 Account Number. 4388-6425-7127-87 52 Due Date New Balance Minimum Payment Amount Enclosed Oct. 20, 2009 $3,296.55 ~ $484.00 PLEASE PAYAT LFAST~ J THIS AMOUNT g9026982598727568H ROBERT R REIFF 304 Y RAIN ST APT B RECHANICSBURG, PA 37055-6278 Ihu~h44~lllllhl~lnl°Inl~hlr„h~hlhlhh~ldl4rlu GO GREEN. SAVE GREEN! Pay online and save money on stamps. Sign up at www.capitalone.com capital One Bank (USA), N•A• P•0• Bax 73083 Charlotte, NC 28272-30113 1111111,III„Illll~lrlllllll~~lllllr~ll~l~lll~ll~~llllllll~llll Please make checks payable to Capkal One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. ROBERT M REIFF 1. Flow to Avoid • Frgna CMroe. a(iraN Parlotl. Ya will true a minimum gore parbtl a 25 Nyt wptroa Ikieike dwp. an new purohasN, Mw haNrke trawNn, neW sptda WrdreeN antl Mw dha d1apN n you pay yourrola Tlew Bawrce", In axaoana won ore ImponaM Ndke for paymNN Dtlow, arM In tlrM for n ro W dNMa DY your paymem dN oeu. 7Mn h no grade perbtl on erh atlveneN ell tptda itaMNts. In eotlpbn, there N M prep parbtl On NY neMedkar n you do nd pay ill tea D. AnauYlp FNWIa Crarya. TnMadbM MtIM an nd atdJtct b a prase psrlotl are eeeeNetl Mann charoe t) Nom the tleN a tM Vamaetlon «2) nom tM tlae me treneadlon N Woataao ro you AaaiM «a) from ill Mt aNMar Oq d1M curram Map perbtl. Atlaaonaly, n you tlb nd pay me Tlew BaNrra• hom ill pravkars taXNrp patio In fun, flrrana cMryN contlnw to accrue to yo« unpatl DaWke until Ilia unpao Wnna N pNtl In tun. ThN rMem ifrN you pray wll owe nMrla cMrgM, even tt you pay tlN adM New BaNnp NMkNetl ai IM front a your ttNenrtrtt M me peyrrwM tlw Wee, Dal tlkl rkt oo N for tM pnvbw month. llnpaW NMna chagN en aodetl ro m• epplbabN Narrtern d your AetplrM. a Aenrratrrr Fnrarroe Cnarpe. F«eadt blMrrp parb0 ihN your aooormt b toped ro e 1lnana cheroe. • mnbam tool FlNArICE CHARGE a ~D.50 will W lnrDaal. e. r«r0a.rp Reauabn n Franc. CMryN. we Heave ms rlgln ro nd ataen arty «ep flMna eMrpsa for erry qMn DWlnq penotl. 2. Atwrapt Oeiy Be1Na pMrrdrg New PurUaeet). Flrwra dutgt N NkuWO by mWllplylp nle tlaly halarks d each tepmae d your account (s.q., tlNh aoverrce, purcYius, tpeelN trarNfa, too spade puroMsa) Dy M arretpondnp OeNY parbdk rnep) thN Ms DNn pnwoay tlNCkmeo to you. a ill No d each cry tlunnp ill dpbp pab4 ww apply me oeey penotlk rNe rot aaM seprtwm d your aoooum ro ill Day DNena d each saprtrM. TMn N tlN entl d ill DWkro ptna4 we roc up me ntuna a tlnN tlNY akltletbM ro emw N your perbtlk Ibana shape for eacn aprnanl. yVe adtl up me rttulN nom eadr tpnwnt b emus N tlN IcW pNOOk finance chaps Nxyour aceowt. To pa tM tlaly belNa 1« sent tepnatt a youraaaen, ww aka tln Dpinninp Dalrks kreeen teperwM era Ntl erry new tmescdoM ell arty perbdc 1lnana dtarpa ceknrNlatl an na pm'but tlryt Danrra f« tlW aepmere. We men euDiract enY prymam «aatlM poantl N a err tlry nrN ero akkatetl ro tnN epmeM. ThN WI'N w the tsparNe tlNy Daarta 1« ease tepmtM d your earouM. Flwrever, n you psb ill New inYrtcs tltoan On your preNas ttannlem In 1uN (« h your rttw' DaNna wN zero «a cretln amount). Mw Nerreadkap, wnkh pat to your purchNa a spade puroMN epnwnn en not aatlatl b fns tlNy Mlanaq. We eakulNS tM average tlNy banns M sotlkrp eN tM say baanoae ropNUr ero ONkrrp the wm by Nn numbs of ill aryl m tM swan Dtarq cycn. To akulW your trial flnena cMtgs, mubfnY roar avaeps aeNy Dalarres by ms Deny perbtlk role trM by tM numWrderyt In tM dlllp pttlotl. Dos ro rouMnro a a Day UNN «tlw ro mkhnum flMnce dtarge awanNm, into may G a verlance benaal iMt oebutabn entl me emowt a nMnca drroa aduNy Neaseo. 3. Mewl Perantape Rath (APR). a. Tha term "Moue Peroanpa Rae" may appear N "APR" a 1M front d mN sutaMrn. D. tt iM ootle P (OUrlerty Pnme) L (Ouanery LIBOR), C (Guartary CD), «3 (BankaM Pnrtrt) appall a me Nom d IhN ataemeM Nxt ro 1M ptrbtlk rese(t), ill perbtlic Mr and c«ntporMNp ANNUK PERCENTAGE RATES may vay quarNtly ark may krerNta «tleCrNN beef a ma tUteo Ntlkes, N fourW M TM WNI StnN JamN, plus ore mapb Pravldnh tlbdoeetl ro you. Ttwae ChNgN wnl M alNdwe a nra not tl.y d your dnlrq parioo eovefe0 by your panode stNanam entlbq In ill months d January, ApM, Juy arrtl OdoDa. c. If me ccoa D (Manny PMw). F (MOMMY UBOR), «0 (TnNUry LIBOR) ePDeen a tlw IroM a yoursWenwM MN b tlN pMatlk ren(t), tlM padotlk INN ark aantpablp ANNUAL PERCENTAGE RATES may vary moMhy Ntl nmy IrkreNe or oecnate batao a me sntea IntlkN. N lantl In TM Wan Slnel JanW. pw me m.rob preNOwy tlbekxW to you. Tr»tt drargea WII a ettediw on ins not oaN a your Nlhrp patotl earn monin. 1. ANettmaM d Lae. Owrerril an0 RNumatl PaymsM Feae lMda me stmt d your aataner pwanlmt wa Maus ill rlpM b waNe «na to Nsat arty NNw wrorwt pn« ndMatbn ro you wMan welwp our npnt to Neste 1M eanw «lknilatw a • INa lima. 5. Mtmbatrp FN xW RawwMq Yow Account. H a nwnbenhlp ne eppan on 1Ma tleterrltnt wa wNl astln ill tN n you nquNl io tlkiN your account wmpn 30 Days a ill rMllip d ihN sunnwnt YW may aaMnw ro uN 1M aaorml tlunrp ill 30 tleY psnotl Osfars your nquea It you do Ircl pry N cnaroN owetl on mN aaaluM wpn b W tleya, or n you ws your seat taro «accaxrt soar you requNt to doN, arty msmbaship Ise provbay vraveo may M raMiNW ro your scaunt. 8. Cbtbp «SUtpantlkrp Your Aa»uM. You may roquaet tnN your account De claso M alpp «rrmtp our Catoma RaabN OeDanrrNnt. a 1M tlrM a your ratuaat vw will provke you iMm akmaN tlNa1N a dale your aaxiwl. ThN may Inckos peytMM inlortnelbn. II you use your cratln cant «cMryN port b your eaaiM alter you ask a ro clan your account we can kep your axount open « reopen n. We mry doe «twptrM yo« a000rln1 Ntl your rqM ro obtan aetln. Ws mry do tMe N arty ikrls and f« arty rwon, avN n you an nol in tlslaur A wtpNabn d yar aawun an M pemratan «t~mporary. H yo« adkuM N dote0 «lwpenoN, ya mrst sop wbp your credo arro era eccaiM. Ya mug ato anal N prNUnknzaa dlpp arragarrntt ro ms account. We wpl not oo fhb br you. n ww ties «pemrMMy awpeno your eCCOtrrrt You mutt aNO tlNtroy al crson GNt ant aCCOUnI aaeN chedct. You must ton py N amtuMa you owe us a tM aCCOUM, even n that Yter6 dnroetl ens! your aCCDUM N ebestl « autpenoW. 7. Matlrrp Payrrwmt. Payments you man ro us will a creonN to yar accaratt N a ill bwkpt cry as recenra n, provbso (1) you aerM ill boMm patbn d this tnnment ant your dNtlk In nN encbtstl 1MnHake emekips antl (2) your paymtM b raeeNSO in our prooNSlp arMar DY 3Prn ET (12 nos PT). PNNe Now N least flYe (5) OwbNt tlayt rot peal tlaNay. Paymenn recNvN Dy w N airy Omar loatbn «In arry dMr form may rkt W cntlMtl N a ill NY we rscNw tMm Our DNIaN Days an MoMay through B. Notip ADON ENelronk CMdc ConvMbn. When you provke • dieek N payment, You aumonze w egha 10 uN IMOmWbn from your shack ro make • oMdira eNdronk 1urM tnrlNa Nom your oepaN exount «b pniatt lM paymNt N a CMCk wneadlon. When vn as Inlarrrwtlon from your dNCk b macs to eNClronk /urM tnmror. Nntlt rtNy N wnlWrawrr nom your otpoN aawat N noon es IM tame NY we raceNa yo« payment. ono you WNI not naNe Your ClteCk Dark hom your flMlklal IMlllutlon. Your audronzanorr N rkt Ikratatl by 1M Dale a ma CIMCk. W~ mry rauDmn entl tbdrakay tolled raumN paymame. 9. Benrruptry. li you ere eMMed b Oenkropiq pmtecnons t« your secant, iMt COnlmUnkabll b aey for InbrriWbna purpaN. h N not en aMmpt ro ConeG, asset «recover a dent «Nam. Do nd aan0 erry Peyrrwrna tlindy to ut wnhan apeNlnq wnh Your Daarupky Nomay «IM Bankmptcy Coon. If you want b Domed a about your aanwnt «yar bankroptcy procaatlip, paaN have your anomeycomadua. tBILLING RIGHTS SUMMARY pn CeN d Emir «Owttbnt aDan Your Buq I1 you mkrk your rip N wmrrp, or n you rwtl moo IMOmW tin a a tnaadbn «bq, wNe ro w a• aeParan stint N soon N poNids N fM atltlrwt Ad kpWfMa elratwr On ill mim d mN tutarrwM. W~ muN Irtanom you no nnrthN EB tlaye Na we asM you ill 1Nst rip a wnkn ill emx «pnibMm eppaaroo. You an call Our CutlaMr ReNtlona numDa «ndly w Dy amen «webeM, but tldp w win ncl prNervs your riphb. In your Itlter. qlw w ill ktlowlnq Inlamalbn: you MIa ono account numbs. IM tlonar amoum d nn awpedW emx, a tleNnppon a Me error ant N expnnatla, n pasnila, d wiry you ONleva man N N error; «n you nano mss Inlomwtla, a tlNCnDnon a ill Mm you an uroun about. You ao nd nave to Pay erry ankuM In queetlon wow w. are IrnNtipenp n. DN ya an aml odgatetl to pay fire pMt d your bill ma an nd in quealon. W MN wa Invettlgas your quettbn, we Cannot rapotl you N tlNingwM orteka arty adla to cdlect ill artqunt you quettbn. t SpNIN RuN ftlr Cleott CaM PurcMtN 11 you MVe a pobem with IM quanly d properly «NrvkN the you putdtNetl wim a aeon cent entl yw stave tnetl In gootl 1eMt ro totted tM problem won ill nrtrclrsnl, you may have the right nd k pay IM nmadp amoum ow a ill propary « asrvkN. Ya Haw mN pnttsetlon ony wtrtn ill purdwN pits wp moo IhN 150.00 atM ors purctwe wN made In your hdrw elste «wimM 100 miles d robr many atltlrNt. Qf we own a operNe 11N macMm, «n vw nrallao you tM NvMberrwm 1« me progeny «tervlost, NI purohNN en arwntl rperdNt d amount «kteNion a purchNa.) PNNe remenwerto tpn al careapontlena. t DoN nd appy ro twrlr»sa a«ounN Caplnl OM suppaN ktlarrlelbn prNscy prdectlon: set our weDfM N 1 Cpnal OM N a fetlarony npiaereo aervke mark a Cpnai Oa Flarrclel corp«atbn. al rlgnn rNervao. 0 2ooe capMl one Changing Address? Address ........................................................................................... Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your ~;O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. rlvhaYs !n your wa!letT TAKE CONTROL OF YOUR CAPITAL ONE® 5000„ ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our fry check by phone service or speak to an associate by calling 1.800.955.6600. ®1009 I,ayita! One. Caprra! Otu it a frdnaUy rrgittrrrd nrvirr mark. All righn nrrtTKd. FIN/WCE Provloua Balance Paymertta & Credka CHARGE Tranaactiona New Balance Minimum Payment Due pate $3,296.55 - $0.00 + ~ $64.89 +( $78.00 = $3,439.44 $625.00 (Nov. 20, 2009 Sep. 26, 2009 -Oct. 26, 2009 Page 1 of 1 Visa Platinum Account 43a.ertsnnstsz Your Account Informatlon TOTAL CREDIT LINE 53,000.00 TOTAL AVAILABLE CREDIT 50,00 CREDIT LINE FOR CASH 53,000.00 AVAILABLE CREDIT FOR CASH 50,00 Finart(w Charges (Please see reverse far importmlt informatbn) Balance rate PerarSc Carrespondslg FINANCE applied to rete APR CHARGE Purchases 53,336.59 0.06274% D 22.90% 564.89 Cash 50.00 0.06822% D 24.90% 50.00 ANNUAL PERCENTAGE RATE spelled this period: Z2.g0% , ® At Your SsrNce • Go b ,gp a maleee your atxaud, a Oat 1.800-9ai•36371o rsporl a bN or arohrl cad or ~edc a Cuuwner Rektors ® Pay Onllns et www.ceoilahne.aom or melyour payment b: Capial One Banc (USA), N.A • P.O. Boot 71083 • ChedNie, NC 28172.1083 Ssnd Mqulrlas to: Capital Onr P.O. Bcoc 30285 • Sell Lelre City. UT 8/130.0285 ® Haw a qusstlon about a charge on your statemerrt7 Please refer to the BiNing Rights Summary on the back of your statement ar visit www.caoitabne.can/disputes PLEASE PAY AT LEASr THIS AMOUNT You're behind bl four payments. But you can still bring your account aurent by paying the minimum payment amount on your statement. Need help? Give us a call at 1.800.955,6600. We'll work together to find a solution. Pavmtxtts. Credits 3 Adiustments Transactions t 20 OCT PAST DUE FEE ~ ~ 2 26 OCT OVERLIMIT FEE OCT 26, 2009 $39 Op Your account has gone over its credit limit. To avoid adtitiorlel overlimit fees, you should pay more then the Minimum Payment. Please pay erloLgh to bring yow aocamt balance below your ae6t limit immebately, and make swe your atxamt balance remains below your credt limit. Please be sure the amount you pay accounts far arty future purchases, tees, and finance charges. Yau were assessed a past due fee because your minimum payment was rat received by the due date. To avoid this fee in the firture, we recommend tlret you allow at least 7 business days for your mklimum payment to reach Capita One. PLEASE RETURN PORTION BELOW W(TH PAYMENT OR LOG ON TO W W W.CAPRALONE.COM TO MAKE YOVR PAYMENT ONLINE. 1 4388642571278152 25 3439440090000625009 Account Number: 4388-6425-7127-8152 Due Date New balance Minimum Payment Amount Enclosed Nov. 20, 2009 ~ $3,439.44 $625.00 PLEASE PAY AT LEAST ~J THIS AMOUNT 119030082598727561# ROBERT n REIFF 184 W MAIN ST APT B NECNANICSBURG, PA 37055-6278 rdl~IlPt~rPllllluhrll~lhllllh~lhll~lllhwlll~~hr~~ BE SAFE! Your trash could bean ideality thief's . gold. Manage your aocouM online and end the paper trail. I Sign up at www.capitabne.com Capital One Benk (USA), N•A• P•0• Box 71883 Charlotte, NC 28272-1083 ltlllll~ttlr~lllll~llrlllllllrrlltllr~ll~lrlll~llrrllllllll~llll Please make checks payable to CapRal One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. ROBERTM REIFF 1. Now t0 Awld a FYanq CDYq. e.Oraoe Parbd. You wlu haw a minimum t)rea parWtl a 26 days waroW nnana dwps on new puronrr. new Dalerra 1reMfere, Mw ePedal puMwr artd rtaw atMr dapr n you PaY yoatdal'Naer Baana', m acooMarra wNn 1M IrrlporWd Ndla t« paymtnb Below. and In tlrM for n ro D. aedNw ry Your Drynlart due tlale. Tlare a rq qna period do crh advances and apeclel lttyalM. In adWtlon, tiara a ra grace perbd m airy varttaetwn H you tlo not pry rile torol 'IMw Baance.' D. Aodueq FlMtloa CDape. TreMaetlaa wMCh aro nd wMecf b a 1Naa Pandtl are areretl 1Marta r:hatpe 1) Irom tla OaN d tM tlataactl«t a 2) horn tM tlaa lM treneadbn a proaees0 ro yad AaouM a ~ hbm the }kat aantlar dry a1M concept Mlkq period. Addltlonelry. n you d10 wt pay the'New BNana'tnom tla prwkka DMkp penod a IWI, flnana chapr cadlma to acaw to yo« urrpaN baana uMM the unpeW DMana a paW In hX. ThM rrwarre flat you mry stlH owe flMna cMrpr, even n you pay 1M eMke New BaWas IrtdkMW on tM Ilan d your etaarrant by na payment aw aaa, DW tlltl nd do w for IM prwlaa matth. UnpeM Matlee chapr m addM ro tla appttcaea tepmsM d your AcaoUM. c. MYIYMan Finance Charpa Fa each slap parlod that your aooaatl a etfiJed ro a fitana chaps, • mkllmum rolY FlNANCE CHARGE d 10.60 wMl M InlpoeW. d. Terrporary Redudron In FYanoe CMpa. We marve the npM ro na aWa arty «aN finance Mapes 1« ary phen Mnkrp period. 2. Avarpe Day Bahtta Qndudkp New Purchart). FIMnq dope a ak:uaiw ry muklplylp 1M day Deana d eadf taproom d your eCCOUM (a.p., erh advance, puronate, filarial IreaNr, end apeeal puronre) Dy tM conaepondaY dory perbtlk roa(r) thM hr Oeen tvavbuty dacbte0 ro rou. At tlfe end a each day dung tla dakq papa, we apply 1M day penodk rte ror aacn spmmt a your acdornd ro tla dry Mlarree a awn tepmeM. llten N rice and d tM Daap Derlod, ww aaa up tM neuM a tore tlaly akulMbM ro anlw M your padodk fiance cMrps for each ailment. We add up tM rrur Dan eacn teprranl ro amve at 1M leul pawdk Mona chsrpe fa yoaaawuM. To pN lM day DNena f« each teprrwm d youraxouM. ww talc rice eplMkp bNanoa bt awn iepmeM and atld airy raw treaadror ant arty pabdk fiance eharpe calcrratatl on tla prevlout day'• baarra for MW eeprrlera. We tlan euDtroct ar9' pryrMna a aedltt pared r d tlrM day pat aro alkkalw to thN ailment. Tha pNee r tla espararo dotty bNarra t« each tapnrrrt d you account. Ibwwx, n you pekl tM New Balance shown a your prevbus tatanaM In hUl (« n your Mw taMnce wr zoo «. «etln amouM~ raw tnmadtont, whteh poet b Yoa putMre «tpeelW purdar ailments are na sexed b tM My bahrrcr. We cakWaa the average dory DNarta by eddkp r the d.ty Mlarrcas toOMlar erM dNkfkp rite sum y tM numMr d tM drys In IM eared bNlkp cyeM. To alorNate you laal Marren dope, muNtpy Your averepa dry b.arra ry me day perlodk: rMe end Dy 1M numDara dM In tM dlllp perbd. Due ro nwndap on • day bra ado ro minimum flnerra dope arermaM. tMre mry a a wnsnce balvnwl tna calCUletl0rr ant tM amount d flMtla dope aetwty reread. 3. MMN P'erpnlape Relr (APR). a. TM telm'AMaI Peroemepe tiara' may epprr r "APq" on tM Imrn d mM etaterrrard. D. n tM mtle P (Ganeny Pnm.). L (OuallMy ueoR~, c (ownery CD), «3 (Bankaro Pnnw) aPPeare on tlra front a tMe etatenaM Mxt ro tM Pettodle rea(e), me Denude roar and oomtpontllp ANNUAL PERCENTAGE RATES mry wry quaMy and mry Mrcreate a dwrear bates on tlN stated k1Mat, r taunt N TM WNI SIreN Journal. phe 1M rtrapM prwbuty dadawd ro You. TMr danpr wa M athdlw on dre fill dry d yo« aMUrp prod covered M your pervade stmrtaM endlp In tM ngMM a January. ApM, Jrdy cent Oc1oMr. C. 11 tM cable D (kanmy Pfiny. F (MaNMy LIBOR), «G tTnrury LIBOR) appeare m tla hau a yo« satemeM naxl ro the pwadk rete(aA tM parlodb ntr and correspoMkp ANNUAL PERCENTAGE RATES mry vary monlhry and may Inerere or decrere Dyad on tla 7tatw IMMCr. r fOrrfa In TM Wan 3tree1 JoumN, pha tM napln prwlaay dadaed b you. Then charger will a MedNe an tM 1Nat day d your D6Mp period Bent moron. •. Asrrmam a Late, OwrlkNt end WtumW Payment Fop. UMw tM lama d you CuataMr pMIMM. M rrarve tM dpM to wales «rrd ro atilt arty ter vNlhout prior rrdMCatlon ro you wtllrout waNkp our rlpM to astra me uma «slmNarar M • oar arre. 6. Merrawah4 FN and RanMrp Yoa AeeouM. h a nanl0erthlp fee aplrra on ma ttNemen6 ww will aedt tM ae M you rsqurl to cklw your accourd w1tlNn 30 days d tM nWllp a ma ttaamsM. You may cantlrrw ro Ufa 1M acaounl dude 1M 30 dry paned Oe101e your requrt. 11 you do ra pry MI dapr owed on tnb eecdJM won In pD ays, or a you use your credo CeM «accoum afler you requrt to dose, arty rMmMroNp iN Pravlolay waived may M reataatl to your account 6. Clamp «SUependnp Yoa AxouM. You rtay request tMt your exaM M load by aaNp «wmlp our customer RNetlont DeprlrtaM. At tM IIrM d your regwtL wt wNl provWa you leltlr aanlonal daWa ill CbtMrp yWr aCCOtrM. ThM may Include payrMrtt IrdamMlon. II ya ur your aedn ant «cnarpr poet ro your aoooum aMryou rk ue ro elan your axouM. wa can keep your axoum open a reopen tt. W~ may ckae «aapeM your account ono your dgM to odaln «edfl. We mry do fhb at arty tlma ant for cry neon. awn n you aro rrot m tlefaltk A sapeMbn d your aaoud an a pamaMM «tamporery. If you accoum It does a sapantlw, you moat stop alnq your erwtt cant ant aerouM. You mat eao anal NI Prrulhodzw dlUp arrerpMNMt b rice accoum. Wa will nd d0 tMe IOr ya. n ww does «pemrrteray tuepentl you aoooun4 You must aao destroy all aedll cable ant account accra etrada. You must trill pry r amounts you owe a an tM accaum, ww n thry wore dapW aMryar axoum a doted « tapertded. 7. AMkDrp PayrtM1M. Prymrb you man ro a wul M eredpw ro your account r d 1M Wtkrrs tly we naNe M, provWetl (1) you fend tM boltorrt poNat Atha etNemem entl your dwck In rite enclaetl rmlMatra emeWpa and (2) your peyrtrwn le reoNVw M our OrDattmp anar Dy aPrn ET (12 Mar PT). Plsaw Ybw at art five (6) Dutlner dsYt br peal dNNery. PaymeMa roaNw by a al ary dh« toatlan «In ary dMr farm nay rral M Credlatl r d tM day wa naive them Our Wtlrrra deYa w Monday throph B. Notts ADOUI EledrdnlC Cheek Camenbn. WMn You provWe • dock a pryrrwM, You au0rodze r ann« to ua Irdomatlon nomyour cMek b rrWre a oM-nms electronk hra lransler trap you daposn account «lo proceee the payment a. cMdt nwteadlen. WMn we ae krlomatlon flan you check b mMre an eledroMe hn0 trerar, lurMt mry M wnMttwm from you depart account r won r 1M aorta ary wa reatya you DrymenL era you wa not taoNw yourdaeK bads iron yarflnrtcW Irtflutlon. Yoa eulhalzalblr N n« Nmlle0 y tla daro on the dock. w• may muDmn and etsdrmlaly coed rotumed payrMna. 9. BerdetrDlry. li you are eMNIW to DxNtnrplcy prdectloM 1« your 90CdIM, ma contrarttlcMlon a oMy for krbnratlonal puryar. n a nd en aMmq ro ooaaa, roar «reeawr e OeM «dalm Do nd taw arty payrrana olredy to r wtthoW apeaktnp wtth Your Danbuplry anarray «tM Bankreplcy Cowl n you want a akMCt w abort your account «your DeMruptry pn>cewlnp, glare hew your anomay contact a. tBILLING PoGF1T3 SUMMARY (In Gr d Ertm «Owstbna aDoul Yoa Bllq If you rook you Dln a wrap, «n you neW pare IMOrmellon on a troreadbn «WN, wda ro a an • saPereta tMet r noon r paeka N tM addrrs for NpWrtr ehoeir on tla IroM d Ult ttMataM. We IrNIM Mar brim you M Inter Ihan a0 days alter ere rant you tM flat do on wttkh tM amor «pncDam apprred, You Gn ceN our Catamer RelMlms naMY «notly a ry emeN «wwbM. brd doing w wiN not pretarva your rgna. In your taper, pies ut IM toMaMnO Inlorrrtatlon: Your Mme cent accoad number, tM docent arrrouM d tM awpaded army, a aactplbn d tM error and en expanetron, N patlDa, a t+'hY you bNlaw pare a M emx, «n you paw prop infomrtlon, e tlewngron d tM Mm you are urure abort. You do ml have to PaY erry emoura In queetl«l wMN we are Imp6YMlnp 0. but you are ntu olNgNed a pry na pant d you an tnat are na a questbn. WhIN wa avettlpate your qurtfon, we anna report you r dennquem w eke any adorn ro CdIKA tM amount You queetlon. t 3pwal Rula for Crotltt Cero Pun;faer It you have a prodem wills ma quetlry a propary «aervlcr Mat you purohaew wMl a awn ant arM you have Uletl In good tNm ro career tM pmDNm wtm tM merDham, you mry haw Me npM not to Pry the remNnlp amount Oa on tM properry a aarvkas. You haw tMS pnaeetl«i anry wMn Ile pun:hre price wr rtaro tMn S6o.oo and the purolwe wr mesa ro your home state «wlnrkr 100 mlae d your mNnnp addrra. ill we own «operN~ Ure rrarMaM, «n ww mMae you IM advemeerMM t«1M propetly «eenlor, alt purohrr are oowred repamatt d amount «batlon d purdar.) Passe rorr1er11Mr b sign ell careapattlena. 1 Dor not appy ro bwlraes soaounn CapMN Ora euppaa IMOmatlon prWary prdedbn: sae our weDtM M aCEpr.6~ ceptlN OM is a feeenpy repaitred earvlce mad a Cepllel oM FlMndal corporetlan. Ail npna reserved. 0 21108 capita oM Changing Address? Address ................ Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail Address .................................................................................... . . . Please print address or phone number changes above using blue or blade ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. sooolz wllaYs 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 f~gg check by phone service or speak to an associate by calling 1.800.955.6600. ® 2009 Capita! Onr. Capiul One is a frdrraUy rrgittrrrd srrvrce mark. AU rig{ih mrrurd. FINANCE Previous Balance PaymeMS 8 Crodlts CHARGE Ttartttactlans New Balance Minimum Payment Due Date $3,439.44 - $0.00 + $65.48 + $39 0000 = $3,543.92 ( $768.00 rDec. 2 21, 009 \_~ Oct. 27, 2009 -Nov. 25, 2009 Page 1 of 1 Visa Platinum Account 43KIl42S7127•S'152 I Your Account IMorrnatlon TOTAL CREDIT LINE y3,0pp,0U TOTAL AVAILABLE CREDIT 50.00 CREDIT LINE FOR CASH 53,000.00 l AVAILABLE CREDIT FOR CASH SO,QO PtFASE PAT AT IFASr THIS AMOUM You're behind by five payments. If you continue to miss payments your acxount is at rak of being charged off. Pl~se donl let this happen. If you're feeling overwhelmed, ce0 us at 1.800.955.6800, We't work with you to resoMe Oris maRer. Payment, Credit b Adiutttment Tranttactlons _ 1 20 NrOy PAST DUE FEE $39,00 Finance Charges (Please see reverse for important informatbn) Uelance rate Periods Corresponding FINANCE applied to rate APR CHARGE Purdlases $3,478.71 0.06274% D 22.90% $65.48 Cash 30.00 0.0682296 D 24.90% 50.00 ANNUAL PERCENTAGE RATE applied this pabd: 22.80% At Yow Service • Oo a wew.ceoirabne.oom a mange your acaurlL a Cat 1A00.903.3837 b repon a bw a sbkn card a apeek b Cusbmx Reletonc ® Pay Onllm el wrnv.cmlehne.oom a mail your pryrrerlt b: CepW Ono Boric (USA), N.A. • P.O. Bar 71083 • Cherbtb, NC 28272-1083 A Sand Inquiries ~: Ceptd Cro• P.O. Box 30285 • Sat Lake City, UT 84130-0285 ® Haw a qusstlon about a charyp on your shUment? Please refer to the Bdkng Rights Summary an the back of your statement avisit vnNw.ceoitalale axn/dsoutes 1 4388642571278152 25 3543920090000768000 Account Number. 4388-6425-7127-8152 Due Date New Balance Minimum Payment Amount Enclosed l DeC. 221, 009009 ~ $3,543.92 $768.00 (~ ~ ~_J PLEASE PAY AT LEAST THIS AMOUNT g9033082598727568N ROBERT N REIFF 304 Y MAIN ST APT B RECHANICSBURG, PA 17055-6276 ~tt~rlllll~~ltlltlll~ll~rillllttttll~~l~'Iltttlllll~lll~l~l~llt Your aaount has gone over its aedA limit. To avod addlianal ovedimit fees, you shaukf pay mac than the Minimum Payment. Please pay erargh to bring your account balance below your credt limit immedately, and make swe your account ~ce remains below your credt limit. Please be sure the amount you pay accormts fa any future purchases, fees, and finance charges. You were assessed a pest due fee because your minimum payment was rat received by the due date. To avoid this fee in the future, we recommend that you albw at least 7 business days fa your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WRH PAYMENT OR lAG ON TO W W W.CAPRAU)NE.<OM TO MAKE YOUR PAYMENT ONUNE. GO PAPERLESS! The trees will thank you. Sign up at www.wpitalone.com Cspitel Ona Benk (USA). N•A. P•0• Box 73083 Charlotte, NC 28272-3083 Illlllt~lll~~iiltl~trlllltll~~lltlll~~ll~l~lll~ll~~llllllll~llll Please make checks payable to CapRal One Bank (USA), N.A, and mail wRh this wupon in the enclosed envelope. ROBERT M REIFF 1. Ittlte to Avow • Flnana Chppe. adap Pabd. You wW Irtw • mlNmum grace pabtl a 25 Jaye wflhad Ikurke cMN• an Mw purchpp, Mw Daana IrarsUrs, trtw efredal WfClwtp and nwr aha ctsrgp n you Pay yo« lotel `New Baltrta', In accordanp wtM the Irtgonam Ndke ror pryrrwMt babes, antl In tlnr for N b be crpdp M your prymeM da dW. Then M M grey penod on cash adwncea ant apaflal tnrslas. In atltltllar, ttrae b no pas parts Cn erry trsMactbn H you tlo na pay tM toff 'Now 6aara.' D. Aoauing Flmna Chaps. Trans9akra whkh are not wgwn ro a pace palotl are peeeeetl finance chrge t) Irom tM the a tM tMaaUlOrr «2) from tM dre IM trpeaabn b procettp to your ACCWM or 3) Tram the tint eaamr daY a me curnm DNNrg perb0. AdlHlaralry. tt you dro na pay tM Tlww 8alana" from IM pwlous dNKq pedo0 b NN, nMlla cnarpee continue to ac«w to yo« arpa0 bWna until tl» unpaW erana M pad In hs. mr nrtan mr you mry stlH owe nMna cMryp, wan H you pay the entire New 6abna Intlkrp on IM nal ayo« etatpsM M the PaYntent sue tlate, out db rat tlo w ror tla pnvbut rrkmh. Urpelo Mancs Mapp are arrp b 1M appNCaDle aepmen a your Acaum. e. Mrolnrm Fbarree Charye. F«eaM Dttltnp period thr your aooornt b wDlea b a nnena umarye. • minimum lolel FlNANCE CHARGE d f0.50 will M NnPOtW. o. Tatp«ary Rearcnon m Farerra CMrpp. Wa mane Hw n(He b na pspt fry «ap flnrra Margee /« ary ghar DNktp perbtl. 2. Awrpe DatN awns (lnaudkrp New Purdraep). Finake cMrge b akubbd by mdNplylnp th daNy abna a eacn tepnrent a your account (ag., cph advarke, purMaee, speobl traaiw, ant apsda purchpe) Dy rife carppartlNrp sty perbdb tare(s) thr Iw Dean prevbuay asaoeetl b you. At ns and a eacn say tlunrg me trNrq pens, w appy th Dory perbtlk rare ror prHl aepMM a your aaoan b 1M Day DarerrCS a pch aepmeM. Thp r 1M artl a the aIINq penal, we add up tM mttM d thep ary pkurellab b artlw r your pabdb flnana chaps Na each sspmem. We Wtl uD tM retuHS lrorrl each aepmpt b antes r tM blr perlodk flnenp Mnge 1« yo« axarm. To ga me dally Mrerace for each eepman a your account. wt tales Hre MpnMtq plarroB breech eepmeM arM tdtl ary new tnmacnons end srry ptrlale nnana eharye cakulelW on ttre prewouf tlaya WINICe forma seprtreM. We mp tubhaa arty payrMrns a aedM patty p a ma say mr are abcap to thr ae0nlern. Thb qNp w tM wparne daty Mbna t« Bach tegmpt a your aCCOUnI. Hanauer. H rya pero tM New Sarerke anown on your prwlous atstaMnt to fuH (a H yWr Mw W Wla Wp =erp a e aetlH anKIUM). MW trersaaknw, wtdch pat Io your purehpe a epecla purtNtap tpnsMt are nol atlpd ro 1M say Dslanaa. we cakaate ms avenge tlWy Dabrke Dry atltlkq ap me dairy Drancp bpaha and dMrolnp 1M sum by IM nunrWr a Me drys m Ilre anard OtlINp cyae. To abWere your IW I Mrrra etwpe, mumpy your average coy D.Wke ry the day ptnadk rre ana by 1M numbs d days b tM rlNng pabd. Op b rounrrq a • tl•tl1r Wsb a tlue b nmlmum flnana ararpe aeeptmam, tMre mry p a veMna baMNen fhb crablbn as tM amount a Nma charge aetuNy phased. 3. Mnur Perosrrlaga ReMe (APR). e. TM tam'Mara f>aaMeps Rra' mry appear p "APR` on Hre Irom «mb ttalpwrt. D. h tM code P (GwMHy Pdra~ L (GWMry LISOR), C (OuartMy CO), a 3 (Bankcartl Pma) appear on 1M from d this sutertsm rract b 1M pabdb Me(t), tM pettotlk retp antl cantpoMing AWIUAL PERCENTAGE RATES mry wry qurbny end mry InerWe «aorpp beep on me strp IrMlgs. p buntl In TM Wall SIreN Jouma, prof tlN rtlBf~n prwbwy tlbcbeetl b you. TMN cMnpea will M enectlva on fire flnt dry a your Dudrrg ppCtl covpM b) you parlodk stremem eMlnp In me moMM a January. ApM, Juy antl OaaWr. C. 11 tM code 0 (MOnmy Pnra), F (MOmhy LIaOR), or G (Trepury LIBOR) appears on 1M front a your stetenrem rapt to the penodk rrep), ure perbtlk roes ptl conppontllnp ANNUAL PERCENTAGE RATES may vary momhy and mry IncreeN a deaepe Datetl on ms abtp lakp, p found In Tire wall Stroh Joumel, pia tM nsrpm prwbuey dbckmp to you. Thep charrpse wiN a eHeaNe m the ram ary «your Mtkq OeHOd pal, month. e. AwaanrM a Lre, Overtlmll and Retumatl Payment Fees. Under tM tarts a yo« watonwr agreement, wa move IM dpM b wWe a na ro pips ary tsp wMan pda ncllHatbn ro you wtlba wrvlnp our npM b papa tM same «ElrMbrtap r • Ira tkM. 5. Membaanq Fp and Renewbp Yo« Account. h a rtartlDashlp ke apppn on tMS ttaempt. we wNl aetlH tM Na H you requpt ro cbae your saarM wMtm ao days a tM rtrlNrrp a mla rrerrNM. You mry eamkwe to up the account prop [M 30 tlry period Delon your squat. If you d0 rra pry al CMryp Owetl a this acoatM wph In W tlayt. «H you we yourcredtl cant a eecarM eMr you request to ebse, ary memDerehlp be prwlowy waNp may p reMtaretl b your amwM. S CkreHtp «Suapertanp Your Account. You may raqupt 1Mt your acaunt M cbaed by aHlnp a wmrop our Cwtonw Rabtba DeparhaM. At me tiro a your regwst, ww WiN Wevlde you wtm etleMOna dreNS on cloalrg your ecauM. TAb may Maude prymml IMOrmrbn. H you up ycur cretlH Cad a cnrgsa pat b your exam aasr You pK w b close your eceorrm, we can ke•P your eaouM open « reopp n. we may ekroe «ewpeM your exoum end your dpM b oMaln Cretin. We may do mis r pry tkrre ant ror pry report, wp H you ere nd In dawlt A fuspeabn d your aCrnuM Can W pamanern or temporary. It your eceaM Is aae0 a swpendp, you mwt stop wing your «W It cant arM accoum. Va mwt rao cancel YI prpulhMNd alllrp enerrgertsmt to tM account. We win na do mis br rya. It Nw cbee a pamreMMly swpeM your aCCaM, you must abo dptroy NI cretin area ant account saws Clracka. Vou must rill pay ap amarib you Does a a IM account, wen H Ihry was Charyp alreryar eaouM b c1oeW a swpwntlp. 7. eeatdrp Payn»rda. Paynwms you rtyN to w wUl be cradnetl to yar ecownt p a the busses pY ws reawe IL prwrop (1) rya rind me Ddbm pomar a fhb aWemeM erM your eMCk In the enckted tsmgtrra amebpe ant (2) your D•Yrrrmt b reervetl h our procenlnp CMrer by apm ET (12 noon PT). Plepe akwr r bpi ttve (5) DVanpa days for parel drNery. Paympb reared pry w a pry ottrer locrlat a M try aha form mry nol M cretlnW p a Me day Wt reaNe Illerrt Our business tl•Y• M MaMay through 8. Nalcs ADOUI 6plronb Chpk Convenbn. WMn You provke a Mack p pryman, you auHktlze w elHwto uN IMOmwtlon Irorrr your cMCk to mare • one•tlnp ebctronk rona trepHr han yow depatl account a to procpe IM payment p a cMdl tranaaalorr. WMn vre nee Irdorrrlatlon from yo« chock b make en elearonk tune tnrsNr, furnb mry M urHlttlraerr hom your depaH account p Loon p tM tarrM dry ww naNe Yon paympi, ptl you will rtd IKYIVe your Wwck Dock from your flnarvflal Inattl000r1. Your Mtrod2rbn It not HrretW DY Iles the On tM cMek. We may reaubmn pd ebctralally CoNect sump paynsMa. 9. Banbuptry. It you are eMMttl to bankMpky proNCtbp 1« yo« eccalM, fhb c«munkrion N Dny fa Imomrtlona purpoep. H b rra p tnprlR ro oollscl. agape a recovaa des «cblm. Oo na tentl any paynwMe areay to w wMMa tptaklrlq wtlh Your Danrorrptry a0arrey atM BankNpky Coud. II you want b confect w aDOa your ecMUM «yar btnkmptty proeaetlhrp, plpae hwe your anomry cornacl ua. tBILLING PoONTS SUMMARY (In CaN a ErrOra «OUeakm aDOUt Your Btlq I1 you mbk your rip b wnurp, or H you rrep mac IMomrtbn on e tnaactbn «DNI, wme b us an a teparete eMr p noon p pOplbM a tM atltlnts br IrrqulflN sham Cn IM front a Ihls atatensM. Ws mwt hea from you no IratMn 50 days aMr vre tent you tM flM DW On whkh tM error a proDem apppretl. You an atl aw Curoma ReMkrM numMr «nany w Dy aMH «wwDsHa, MA dokp w WIH na prperve your nphb. In your kArer, gM w fire bHadnp Inlartstbn: Your nap arkt account rumba, tlN tldW amount d tM swpeaed error, e tleacdptlon «ths error ant an pplanrbn. H pastble, «wtry you OeNeve mere b an error, a H you ap nnla bbmrllCn, e tleaertpaorr a me Mfr you are «bun ebaX. Ya do na haw b pry ary anrortM In quptlorl wMre wa an kwptlprkw lL rift you m rm orgrp ro pry Hre pate a your all mr an not b grrptbn. Whlre Mr krvptlgre your quptlon, vA CpMt report you p dringwM a tske erry actlCn to collect tM amount you quptbn. T Specbl Rure for Crotlk Cant Purcnpp II you new • probem wHh Ilre gwlHy a property a Nrvkp thr you purchased Wllh a CretlN ant antl you nwe tMd In gooo reHh ro caret me problem wtlh tM rtsrchan, you my haw ma ngM na to pay IM rerrWntnp amoum des on tM propMy « aervk»e. You nwe this praectbn Dory when tM purchsN prke was moo IMn 150.00 antl pre fkmChpe wp mpg In your hortre state or wHhln 100 mup d Yar maNrrg atldrps. pt va own a openb 1M macnam, a H ws melrea You tM advaaenreM Lathe propery aaervlop, al purchpp are ayeretl rsgamreas a amount «beatlon a purcheaa.) Pbpe rertrenlMr ro eqn rl eornepondena. i Oop far appy ro bwmpa amounn Captla qne euppoM Inbnrretlptr privacy proleabn: sN our vreDtM r 1~NY.r Capllr OM b a retlenltY AObtaetl Nrvke mark a Capital ON FlMnclal Corporation. All nghb merved. 02008 CapMl One Changing Address? Address ........................................................................................... Home Phone ................... Alternate Phone ................... E-mail Address ................... Meese print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `4 statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digi# account number on your check. wheCs In your wa!lot7 500013 IT'S TIME TO TAKE CONTROL OF YOUR DEBT. WE'RE HERE TO HELP. Even ff we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make wre you call or pay the amount due on your statement by the due date to eliminate the risk of being charged off. ® 2009 Capital Onr. Capital One it a f dually regirund nrvite mark. Al( righa nrmirJ FINANCE Previous Bslar)ce Payments 8 Credits CHARf3E TrensactifNts New Balance Minimum Payment Due Date $3,543.92 -( $0.00 + $67.44 + $78.00 = $3,689.36 $914.00 (Jan. 19, 2010 Nov. 26, 2009 -Dec. 25, 2009 Page 1 of 1 Visa Platinum Acfaunt 49Bi8425.7127-8152 Your Afxount Information TOTAL CREDIT LINE Z3,00p,00 TOTAL AVAILABLE CREDIT 30.00 CREDIT LINE FOR CASH 33,ppp,pp AVAILABLE CREDIT FOR CASH x0,00 Finaslce Charyes (Please see reverse fa important informatbn) Balance rate Periodic Corresponding FINANCE appled to rate APR CHAROE Purdrases 53,582.E 0.06274% D 22.90% $67.44 Cash 50.00 0.0687196 D 24.90% 50.00 ANNUAL PERCENTAGE RATE applied this palod: 22.8096 At YOW Sarvke - Go b wew.aoite6ne.com b merepe yea axoum, a Cat t.800.9033637 b repot s br a elobn card a Sparc b (Asbmer RekBone Pay Odlna r www.aoteMe.com a rnailyav payrr.rn b: f)RiW One Bari (USA), N.A. • P.O. Bar 71063 • (7ierMte, NC 28272-t083 A Surd Inqubks ib: Captr One• P.O. Bcoc 30285 • Sd Leloe r]ty, UT 81130-0285 ® have a quatlon about a charge on your shbmaM? Please refer to the BiOing Rights Summary on the back of your statement a visit www caoitabne cam/dsoutes PLFASE PRY AT IIAST TXIS AMOUM You're behind bg six payments. If we charge aR your accamt due to late or missed payments, finance charges wi0 can8nue to acerue. Act now to prevent this hen happening. Please pay the minimum payment amount on your statement a give us a call at 1.800.955.6600. We're hereto help. Take control of your aedt with Capital One. Pamtenb, Credits 8 Adlusttnents Transactions 1 21 DEC PAST DUE FEE $39 00 2 24 DEC OVERLIMIT FEE DEC 24, 2009 g39 00 Your account has gone ova ib aedit limit. To avoid additional overlimit fees, you should peg mae then the Minimum Payment. Please pay enagh to bring your accamt balance below your credt Hmit immediately, and make sure you account bderae remains baler you credt limit. Please ba sure the amount you pay accounts for arty future purdu)ses, fees, and finance charges. Yau were assessed a pest due tee because your minimum payment was rat received by the due date. To avoid this fee in the future, we recommend that you a8ow at least 7 txrsinesa days for you minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WRH PAYMENT OR LOG ON TO W W W.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. Aceount Number. 4388-6425-7127-8152 Due Date New Balance Minimum Payment Amount Enclosed Jan. 19, 2010 ~ $3- 689.36 $914.00 PLEASE PAY AT LEAST THIS AMOUNT 1 4388642571278152 25 3689360090000914006 f{9035982598727567q ROBERT N REIFF 304 Y MAIN ST APT B RECHANICSBURG, PA 37055-6278 hnlhlh~llhd•4411,I,u„Id~•llrl~l~hlhl~llllglhl~r ORGANIZATION `~ MADE EASY. Forget the filing. Manage your account online and simplify your life. Sign up at wuvw.capitalone.com Capital One Bank fUSA). N•A. P•0• Box 73083 Charlotte, NC 28272-3083 Illllll~lll~~lllll~lrlllllll~~llllll~~ll~l~lll~ll~~llllllll~llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. ROBERTM REIFF t. Now ro Avaq a Finanoe cnrg.. aGrae Perbo. You wIX Mve • fNMmum pop prlo0 a 25 oaYa wrap flnarae dtarye m new purohaes, new Dalrae twNlrs, Mw epedal Durohesa atq Mw o1Mr arerpa tt You PaY Yowgtr TNw ealrloe•. In aporoanp won me Impmre Ndbe Ia paymam baow, anE m tlme for N ro M creoneE Dy your payment due Ere. TINre b no prep perlo0 m caft advanpa anu epxW ttamfere. In atldnbn. there N no puce penod m aryl tlamactlon N you Eo nd pay IM teal 'New Balanp " D. Aptuap Finerrp Cnarye. 7renaadbM wnkh are not suD)ea b • prep penoE ire aeeeee0 flMnp Merge 1) boor iM oaN a iM tnmeNm a 2) Irom tM Ere CM traneaalon N proeaseo to yow Aopttnt a 3) iron IM not caNndar daY a iM CYnsM Mrnp promo. Aotlgotraly, h you Eq 1101 pay tM'TNw Balanp' Irdn Itle DrevlElta bNWp parbd q ha4 Mang cftrpa pnlMtW to axna a yow unpaq behrlp uMN tlN unprd Da4rlp b peq In tun. ThN rmrtt tMl you mry atlN owe 1NIMp cMya, wen n you pay iM entire New Branp MtNcreo m iM IfoM a yarslrrnrll by tlN PaYrrNm ow Ere. but tlq Itol 40 a01atM prevba mmm. lklpaq lgatp Msrya en aEWd ro the apptleable aOrraM a your AocouM. c. MYNnaan Fganp Cbarq. FaeaM hNlNtp prbE mr yow raatM b auDlad ro • Mrertp cherpe, • mgimum toW FlNANCE CHARGE d 50.30 wNl W mlpoaa. d. Temporary Reaudbn q Fganp CMrya. Wa raervs iM tlpn ro Mt peas arty a eq flrtmce Marpa fa arty ghren dttkq paEOE. 2. Average oatlY 8aYn0e pndttaktp New PurMaas). Flttenp amps N pkWaretl by muttlpylrq ms Esly Daanp a pM eepmeM a row aocorrm (e.p.. yen a5venp, prlndtae, apedY tramlr, ono spetNr Wn7Mte) DY Ilre cdraPdaMq dry DerbEk rre(t) tlW W ban ptwbuey dbcloaeo to You. At iM end a each daY otaing th DgINp pargE, wa appy me Ery pencole rte IaaeM sepmat a your aopuM to pre Ery Mlrrp a cent segment. Then r IM eno d tM DlNkrp panoo, we add up me raufN a met try wdlWgne to rove r yow perbde nnenp dwpe breaM sepmrtt. We eEa up iM team Irom cant aplMnt b emve r ms toW grlodk flmrae carpe for yow ecpuM. To pr iM only Mhnp to ant eepment d your eCpI1M, we 4ke the Deplnngp bNarlce for acs sepnarn am am airy new MMadana ant arty parbok Manes charge cabuMeE m iM ptsvbw aye plrree for pret segment. ws into tubuad arty paymrtN a asdM poared a a mr Ery nom are rgcred q ihr aeprtam. TM gloms a th sepaMa Erry baNltp for ant segMnt a your account. Howwr, tt you paq iM New BaNnq shown m Your prevbut t4remmt q MII (a n your new Mlerae wa faro a a cradt amount). new trentaabm, wNeh patt ro Yow PuroMa a speeM purohaee eepMnta ere MI aaeW a th Ery baWrcas. Wa pkurere the average catty branp by aoanp a tlts ply MNraa topamrand dwgkrg fire sum DY ire number a ma Eye q 1M caner DRltp cycN. To akWre your rotal flnanp dares, muggy your evetape Ery Mlarae M me tlaky peraEk taN eM M' iM Mmerd data In IM drnq partoo. Gue to rouMNp m e Eany DaN aEM ro mgkram nneMS dtenie aeeatMM, mere may W a vanraa tatawen tNS calatlallon and tM amoum a nrlenp datge ectaay aaasad. 3. MMtal Perpngpe RaNe (APR). e. TM term "MMreI Perordape Rre' may appear a "APtY m the rant a mN strertwn. h. n tM pda P (ouaMry Pnrm), L tWartery uBOR), c (ourreny CG), a S (Bankard PtkM) appear m me Root d mN atreman Mon b ms peraEk reN(s), iM peEpiC rely eM cmapoMNrp ANNUAL PERCENTAGE RATES may wry gpMny ant may Inaene a Oecrasa Daetl m the etaretl IrMba, r ipnd In TM W41 Strer Journal, play the matgm pmgwy ENdoeed to you. TMae Mangey wr M afledNe m the Met Eay d yow pNnp peEOE CovereE DY yow peEOdk etaHlraM eMinp In tM mortfla a January, Ape, Jay erw OcroMr. e. ll iM code D (MoMhy PErm). F (ktorllny LIBOR), a G (iteauty L180R) appeare m the IroM a your staemem next ro IM pedotlk rra(e), iM perlotlk MM ant cmwporrang ANNUAL PERCENTAGE RATES may vary rroMlty erld mry Natesea aEeaew DaesE m tM atretl IMka, a loam q TM W.N Street JWrrW, pNa iM rmryin prwbusy dladped to you. 71rae aterpa wlll M eneahre m iM fltH pay a your Olgrrp paEOa each month. A. AaaawmrE a tare, OwrNrrr anE RetwnW PayrmM Fee. UMalM terror dyprCWtoRlar agrMMN, w1 retave iM nqm b wrw a not ro eases atry feet wNMw prior rrotgpubn a yp rmlaul wawlrp our EpM a essay iM actor a auNNrtaa r a Nter tlrta. ti. AAernDerehlp FN era Rertewkrp Your AooouM. n a rtamDashlp fa eppare m mN aWatnent ww will cretlll tM ro. n you requat a der. yaw axpm wimm aD days a tM maNrp a mN aramant. Yp troy contlnue to uw me acpmt prlnp IM 30 Eay peMd brae Your request. 11 you Eo nd pay al Merges oweE m IhN sccarM won k W pys, a X you ere your crop cant a acewM e1Nr you squat to dye. arty rMmbarenip ere prwkp y wawa may M rrMleleE b your account. 8. Cktlkp a Suaperakp Your AtaouM. Vp may request iMt your account M ape M ptnrtp a wrklrp our Cualonar RaatlaM papalmat. At iM tkrw a your request wa will prwge yar wnh addtlona Eram m dakp your aeaorrnt. ThN mry Nalup peynwnt IManatkn. n yp ere yourctsEN mtl a clrrpas pot a your eparM alreryou ak p ro ckta your acpuM, wa can MeD Your aocouM opt a reopen n. We may Noce a suspaM ypraaouM am your EpM b oMakr aedll. Ws may oo iota r airy time ant err any ream. awn n You are tat q Erar. A sapembn a your eCCbml prr M pemrneM a tertpaary. If ypf eCCarM IC dpea a suapeMW, you must stop akrp ypr aeon ono ant account. You meal Wo pnoa al preauthdlza0 dNlnp anafgermMt ro iM aarortM. We wnl not Eo orb for you. n wr dpe a pemrnrry euspaq your apwM, you ttsat aNo Eeatrry a cterl pros era sccouM axes enact. You Mat cal pry ap anaunN yp onw w m iM account, awn n they were Matpstl aMr yow expM N cbsed a aueperlEeo. 7. Wkinp PaymaMe. PayrtanN yp mall to a will M CradneE a your eopttM a a tM Dwkrea try w teeave h, prwgad (7) you aeM Me Dotlom patlm a Wt atatenrent am your dreck in th endped rerrlNlaltp ewegpe ant (2) yow payrmM b repnred in our pnaaakrp pMr by 3pm ET (12 tam PT). Pleas scow r Nor flue (6) Ouskreaa pays err postal EMNery. PsyrMnre recavad by w tl any otlrer loptkn a m arty aMr fpm mry nd p eredped a a 1M EaY wa rapive roam our Dutineea Jaya ere ktomay mrough 8. Notbe ADOUI EMdronq CMCk Cmvenbn. wn«r you Drovge • cMek a paynaM, yp aumMxe a ahr to uu IManNlbn flooryour check ro rreke a Orly-tlrre eiWraNc funtl Imefr from your tleppN account aro procaa me paymem a a Mack tlamadan. When wa ere knorrratlon from yow Clank to make an eMChonk MM 1nraNC Ntge may M wNMrnm from yaw EePap axdtM M yam a IM came Eery we recave your payment am you wAtt na repfw your Mack Deck from Yowflnaala Inatnulbn. Your eatlalzrkn M Mt IlrralW Dy the Ere m tM clrsck. We rosy Mutton sntl ekalrmipny collect raumeE 9. BankNpgy. If you are eMretl to bYtkNplcy prdedbm for ypr accent, ihN connankatlon b my ror InlOrrtatlonal purppa. tt N not m attalp b coNea, newt a racovw e Ear a dalm. oo na an0 arty peyrmnN dredy to ua WNIICUI apeaMp wrl your Datrktuplcy atlonry athe Bankmpuy Coutt N yp want a contaa w ahoy ypr account a your Denkroptcy paaeadhq, pNaa owe your aMmey cantfct a. ?BILLING PoGNTS Sl1MMAFiY (In Ga d Error a olreetbM about Yow BNI) I/you ihNa your dll N wrap, a n you rNM rode IMOrrrlatip on e 1reMMbn a dN, wore b a m• sspareN sMr a anon a p0alae r tM atlErat for IngdrNe shown m the trem a mN stetanant. We must her hum you no Ma ttarr M Esyt aflr ww ant you tM TM dll m whkh iM era a probNm appareo. You pn pll our Cuatonrr ReNtlaa nutter or notify w by ertaN a webM. Wt QONp t0 wW n01 praarve ypr Ephb. In yow latter, pNa ua tM /marnp ktlarrtWldl: your Mme ant accoum Mffaar, tM dour amount a tM auspecNE emu. deecdplgn a ms error ant a aplanatan, n ppsNea, a wiry you hrNw mare N an error, a n you MaE more InamWim, e Wacnptgn a tna Mm you are amore about. Yp Eo nd nwa to wY anY amen q queetlon wMN wv pro Imatlprkrp n, but you are tdp oDNpateO ro pay tlra pent d your dtt tMt ere not In quatkn. WNIS vre tlrvatipre your preelbn, we pond report you a EetlnqueM orUb any edkn to Cdlect the amount You quatlon. t Spada RuN M Cretln CaM Purohaa If you Mve a pmbletn wnh tM queNy a prapedy or arvtca ihr You pureheteo wNh a creoq pre am you raw kNtl In good Isnh to Cdlr.'t iM pmDlem wnh IM narotant you my Mw iM tqM not to pay me ranaginp atrauM dw m iM pfopeny a iervlCa. You haw iMt proleenon my when iM puroheta prke wa rode into 560.00 and th purohae vaa made In your home stare a wtthq too mlNa a yen rnrNnp addreca. pl we OM71 a ogrete pie merarem, a p M malW you iM atlwrtkrMrE rorme progeny a servkw. a purohaa are covete0 reparolaa a amount or keatlon a puroMae.) PNae remenlMr a aqn rl careeponpnca. t Dps mf appy ro DualMSe account Cepttal OM supports Inlorrrretbtr PnvacY protedlan: ea our wabtM r ~ Cappal Ors N a letleray repNNrod servloe mark a Copal one FlMndal Corpdatbn. All nghb reesrveE. 020p Cepml One Changing Address? Address ........................................................................................... Home Phone Alternate Phone ........................................................................................... E-mail Address ....................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • DonY staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your ~,O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. ~ ~ O ~ I o •• ap U ~ ~ ~ M ~ N N N N P4 W to to I ~ ~ U r-I r-I CJ ~ o o I a z aWO ~ ~ I W ~ r r I C7 o a w ui In a o ~i W N N I ai m `~ ~n ~' .. ° o w w ~aG ~ ~ O N (x H ~ N O O 00 OD Ri O p OD 00 I H ° a M M ° ° 0 0 wzz~ u •• o ~ ~ ~ a o 0 o ~rn rn ~lG]A I A° 2 ~ a' N V~ U I ° z H W o H W O o 0 0 0 l N W ~o A U ~ ~aUO o W r-1~ ~ V o U J~ d~ N ~n N o r H E N N ~ r ° r N W~~ I ~ ~ ~ N O O 0 0 rl M •• a 1 ° a1 ~ Aa W o 0 ' o o I W W F o o ~ o 0 01 W •~ M ~ ~ O O ~ ° I ~° O U~~ N O O 01 O~ ° W ~ M M I N [r] ~ a U H r-1 O \ G4 ' ' ~ ~o a~oM o v, N U q F~ ~ ~ ' N •• W ~,~ H z ~, ~ ~ ••a w°ow ••~ W U w M a ~ x A ~ I ~W W Q auo ao aa~ ~ u u~iuaqq~H ' H o 3 ~-+ r.~ U o o I f~ o .-a z H , O RS ~ r-1 N cxllo ~HU op; ••HGgo o I H o~E oWU~ Ho o O ~ z~ t}aS •.~ W H I o w xz w~a a °, a' H r-I W a o I x a ux of .. u N A ' z u] I a H o~ W '~ w U ~ A ui i £ H ° cn H H ~ O UI ~ ~ [~-~ ~4 01 H ~ I U CFA F ~ Cwl1 W ~~ p4 N ,~ h I w ~ w z zz F ~ N www . ~ ~ w I u uNi A a o a~ a u E..., v oa ~ ••o ww •• wH . r u a~ •• q H l W N W ° ~w H~ zz°u Ha. I rHi o~OOw rA w W z , a ao m w •• o c7 H U w to m U Ew-I-I ' M M ~ '~•+ ~ Od ~ , ~~ °Oa aua ~~ moo QzA W N~ V ~ V a U ~ N W I ul o o qHi ~i W ~ ° °zw~ a x I M ~ •• ca o H a' w ~ ~ F w N ~ c~~ Aa ° ••Fa ~nma •• H ~ z N ° .. U H x~~ z~ q a H vWi u~i ° I ~t A~ ~H~ozCaAW ~ ~ IUio UN~~ I fW-l H~oWi q °oxxawnv~i W,-{~ ~'"~ ai~Nnoi I U U W $ W V O U i O t!1 t0 to d~ O U ~~ ,i N I ~•+ UpGaoWaao a~xW O ooWr.~cn ,1,i ~ u ~ a~ z u H o~ av a~ x n~ o~ a x F H o o I ~~ .~ .'~ . • .. . -• , • .. .. . •.. ,. .. • .. ' iNeioorr~to •One ».N.»N .:...:.............................s..........1 ........_ ............... »....w:.. : re~+es~t u t/~ g ~.........~...1 ~ • . N .,•... n g tm . New OfEers »»...........»..:».»......._ .........:........w.»..............:.....2; l~omuat Mfor~r~aiiori NN»»..w...w.......».N .......................-....»..2 . .. _ . ....»...,w........~..........................w._.........._....2 ~iedit firnits ..,... Using 1lbur Access CJtedcs ' S ` ~ .»»...»w..».w» ..~ ~ ~" ^ ~7 u ~ ~ ~N~.............N..w......w..~._ ........................ ~ .N...._.._ a Authaci~oed t1~us .....N..........N ...:....................._.....N...............s Rerr,c,v;r..,gan Astf,ori~ed user..._...:..._._............ ...............~.s ~ • ~~~p*-_{yam M.N.wr•wN.wN.M•NN~.MNN..wM... •YW i~-wM• ~{/ PAy N1MN.••w M.wM.MMN.wwNr.rw=M .w'• M•M M•Ati•MMMNM••.•wN.Nw....MM MM•M . ~ 6 ' F~ MM.•.w..M.Mr~.M.NMMM.ww•.w.N MM.Y..NMr~•~/ • Ttarf~ ii1 fordgo Gm+~~M_•.M.M 7 YMw~...~,./ . MNMwwMNM•• ' ...w.~N•wwwNwrMw•..NWMM Mhlimtait P~i118f1t..»..»...» ...........:......... _A '. Mii~18 ~~~ _ w•ww.NwNMw•wM M•M.~.M W MaI~Yd P~yeulertt5 _•,...•..w...ww._..N..... .....8 . /y . •~/.~ -M~L/rygr.NMNM.Nw.N•M•.N N ~. • ~{/~ ~~ i.IN. ~ ~ a r ~{~ ~y~ p ~ rwM~ •N•M~~.•M•.w.wMw•Mr'~w 10 A~caoturt Defa~tt._w.....»NN .N... ..._...r........10 Gorr~tns ................M........N....».-.-•--.... --..Y.........11 imports........wwwNww« .............. _.........11 or drglbsn Aaoourst N. .............. _...........11-'E2 . U'ut a Slokrf CardwN........N...N..........N_».»......_ • ..._ ..............12 ' • ~hargestpllbur Amt ................. t2 . Ga~ig ~,,$W •wN.NwN.MMwNMMM.M 1 •~ V1h~et 12.13 • • 1 ( 8 . Sp~cfel pe~Eior~sfar#hisArhi~alion Prwisioti.. 4 ..._...:._..t3-t ' . at6i~n . Nis EteaBocs and htitfadon of AtiSitration tS16 . proc~Bdutes and [a+nr App>Kabfe in Arb~atior~~N .»:._.Y._..._17. . • - . L .~ • cost: • w.~....~...w..:..-. 77 No Gor~oidation a Joinder of Parries . ~~ 6 .. . . • . ~-~ ~s . •=:a w~a Sec t8 - .. •. - 18-19 - . ' 1~WN~ to Csplh~ Ong. 7h~n!~rorior opr<~1+o a aedt nerd ~boot~r+t Mh us.7~fs /Ws~rt ~s b Ue~s trlar Q~pil Oe~¢ ~~da~ we~l~b~ew~q~~lreaadPa~o~ as b wefas e~pp.er to Ihs aloeeaaY 8eodoe~ 1b mdos Ors /ip~esoee~ aaay b 'Yotr.'yay'andYo~w~er`~aeea~eii~~r0°~brf~iAo~aota#an0lp~sos br its aida~aasr~ aalhotlta b aaar aooasa or awiea ~ A~Ltis e~ A~d-oeLeedllreras deAA.d InOlee~ael end es lr e/a~s. awadaas~e p aa~ snd'~Capllit One1' eeeeeee Ctod Oea @ar# (l361-~, Nayoeeal AseodaODa: sad Us epeeis~ see0eoe~aad e+~pnaaede%raes, woowa~ 1. Aaoottnt Apre~men~ YourApneaualC~~ w Mededas tl~a blow6e~ (1) Oaa dootK'nanC {~) a4 ~ (3) M taiwetds hfarrnaYon and dooumantitlosE~ ~~ has reragdaC (4) our PMaoy No6as udsas you era aot ari0b ona:4rese desame our bn1~s0Dns on drdnp k$oerneQoa ebaaRyost rheMyeerK ofyou~tCardbaoelNtbeaa~ rapira+aferwsdae~s~e»eardl~Y~'~Na~OOro~ETbeaaaataaeeaaRVeesion •(6) waBsasi eushasa dadU Card Addsduar you 0~ a sene~lrudnsss CarrR , . (~ ay dledoasasa aed anUeiame proMdad ti ~ batons or wt,are you openbd your/looov~ bdudkq a0O1° risa0e it tad~gOdsabsesss~ . (B) a0 OOnt doouaeaerla sad e6doseese esli+0 byautAomnd bne*rdbip drays ~°Y~ oidlnaC acrd (~ arr~iurres dranpes wa a;atoa b aay dliesbors ddrge. ' Pksas eead feaae oaldlub and baP ~ trM~rs ~` M ~d °"r dthess as ~s reed Mbesd dfetaet~tl. . 2. NMr 1Ata ealy~rt antra seer e1Ms b you arl~eward a1Gea fkom aMa ht raa daiDlt obs ~s dooraa~ MM a1Mes Md b peodddraa rra aka yon r odw lFyai aeoaptr ader.lbis ~ ~ 2. AOOOfi1t befi~R~Rion. VYs nsad b~eulODa a~oalyar b aDanapa yoesrAooorart 3hs ~Dn w r+sed Ireaiadaee _ . (~ ~ Upsi efaama~ - (~ a wi! t7.~.eeaeiip addaaa and reeMealdaddiaea tr~egC - C~+I1~~ dMrOrC. (4}1~otrsioeif+ioul~-niiaaberore4~aroDrenmantid~nMadbeeea.r~ {~ des taanbietsk and . Yon aN+at M_y_s ~ retei Fkaas eeei Mes bs ess e# yes ei~waw~ iuy e1~1' m aar ~~~~gdroqulny~porMadoouwa~aitht~~eroaeeepY~bas ~arsarpea . ' . erleefy~y~r ~]~~ ~M~a r~r~i~elYwroaa~a~rllebrb~t~i~~iir~~ hewsd~eatet~~11~Pa~i,ss _ Yaeseaasisposea~i ~~~~Mraataseelslw~aaR°rrh°n°einQbain~ot~ wa~yoer~~~a~rL __ _.lfyollllA411i1~~ __ . WsaaasirofteaeMM.daOeeaaa~reaMotarad~aurasdR~onaardMd'h+a11~'~iiet~ef~Ya~ord+~ednerbp~ae~r-• ----- ~• 3. Yoar Caid.1lYlrsa you eda1D seed ues Caa~ yoer peorreisa b do. M lereas d Ya ~ re# ed. r Card w~ saesleei ~.'r tbN~wld dlataa b iMa Pam on r ~at'Ree C+edlt oar >)as~ aslaeeD! d ire ar dewirrvynM R~saet~YbeDa/~ebeaeaaudisUltbP'suw~trw°°~~ardond • You~ee~9leesei Moat qrd ~ iD .Y~ ~ ~~~r~ie. w niaeb ~ O~ie- You YoumuMno~uKerrUbnsa.fieCardior y~t0otwsaotooseriraenaatoe~sMtaeaiptaenatp~i~i~Rlfbe~aia~ba ~an~b f~ dw b addb~. O~ea MaaOas r/M b 1h1~ ~i sd yon ad~+tM~aia motes weeid_~ndae ' for ~/ doesoOM apd orponaea. . Ftelll bne b dp b dreulrnfen0ea LeYaid of aoe~d Q~d~ ss baA~ fhwars. fins, OoodR ~wlad doa~tees oe alhce~ ~pal~ our asrNOSy oMUe ana~robbfa. YYtna hli A~pprn. yoo ~oTp1d bs tmrbis b ws yoat laordot a6btn 6~esQan abav~yoor/~aoririt 1!!~s wb ao~ bs roopwMbbario1bM11ialnp0ana. a~i~d R~ Iidp. ~ wa ~ ~~~d rsMaddl~i p~ard~. t~a~t4~ a^at~Aain aamd:eororrt appsor m yonr Cwb/l sRC~ O~ileosssCMolEs~as ~a w~a wv lrastlnu as ptadu~ . ppl~yy Me panda urr daaanslt aay taaAoatot Ckeat~Aooros Clw#smsY aatbe wad b pry amoratyoa own p a wtlaab f7as 1Ma ppetadoaf atyAoooss~kfors~grnnsso64R~-~~~p~r~enr /~oeea- hs Ma b your sotwt ~ ~1aol woessd IAs aeiaad of the Asps Cbsrk ~0 ~~ . ~ ~aoeyar~ot~r Tiod~ tri Lauidr+pAlsolbsurss krm~as ~ of Yoar t~rrR FKesse see fis '4s $~IAp PayRlattt of Amass CIUCb. Yai~ a sbp paya~a+t oa anrAootss f~str b!f wss poNdsd oa yar YMsap~ aAar~e yvn • tie b slop pyes+l R h ~ trees SaadaL I(you at us b stop PAC yen msaR alive soeod b es a wrldan tequnt M0~7e td ostorder days. We wR hwa a nieoeab4pr~n ro~ut-t d bas dYtyasslo0 ~neM eem~ yp the smAoA atd oon+plMe RWi wl[ aata oseral prspMs ~4~aoa~ua- ifira~o~ dop Payae!ti~cGlps~ "~ mry s80 i~ ~a~slep ~4an.a~s aabadfbr ar• Ya+~ ~swp Oeoe wa pwoYM a w• da aot hra b rofa~ee in sbp peyrnent Brest nnNoi M «oee paesoa aab as tai ~ r• sloe Aaootinf ir~p ~usu AosMS~ bb~0 a all P ~• ~~ us d dyoar apabtt 0» payas ar dwr IYddar a(be pall Apaos r+adt Ton ie epees b h~ us atw h ary actions we m tebr db apart p~eson. 4. ~ • PW. YUt oeq ifMe a fdaaeaflan nsmiber ~ Far see~lly Bona ~ ~ hp ~ ~>f~a t~!! t#e yoo ore tils bopaptMa aooue nib b tlr~d. . Wlb a PM. aM4 nos your QN lac- ~!j olUb mY ion amain aubomafod 1Mior msdiMe (A~i ar W mtos ~tarlietioee~dar a/a dwibss Tw do t~s lhlaps ~ the A11~1 ar Pos ~a ~t acct- dopias *ia ralp aE ~+e c7siv apoe~iraaraaatwee~.a~~~+~•~•aoaaacead~.~o.a.~aa eaw~~ Yon diedd dop !W seaias and notwi tMtti tM R b aoya+or or keep evrpM your IbeeL ffyao bss yoor f~ar6odsaa>brtaosreone aespolnai toed aaeoasbyearPRRloiooatmolaetus~ G^+dlo eat yoatAoswar! Eves aQ^s b r f~nae ~1/I~eriaNflaorbyarAamu~roa~dtoo~aayotrAaeoanl~lMmaAdpeawdsMwb Y~r6e nape~a~ t~Mit asa dM Qrt rd yoarAaaotaoraa p anyone ales My Hoar b oae yop /aardorAoeoae~'[Il~i tre bw avers ~yau did aotwowL grapes lar Mat nee. ~. • 111 AYlhOrlod UN1: /yoseodl b raravw an Adiormd fbarlbaw b Aoaotrd; yon mataovidarpi paaofdtd as art ~' ~~ 1At and oonal si d~fnlr r~~~~d~~is~ pad~Nt yacta~ ~ noe^tthayahrpeloaallocoinR appear on bsunMYar. • _ ~ . We p~doseyour~pAoootsdsndbt6oussareQrdslilh a nsrrAoooantnenber. !~' F1nt~ Cam. Wi wr 1~1wot ~ b your Aooom! p dlacbMd>e yet byeer S6bs~ aed a/tor 7?eb h ~ pf'Yotoataas ti Bean bolames, wave/ doirytiiaaoa Ciwpas fhraome prAod otltoM #raetldn asnaac~ons erbalserens. ' !~. Yt>etr P'10~! do . Yba andpta~yb~r as M aaiaaols da, oa yovrAom~ot'lUit indtiis .b.s:yoo d1d aot_ ~e • ~~ tr r ion.aron. M yoo uoa yar f~ndaustyarwiou~ p~ yooea~lbdpcrrs afar ~~ M Uodod lie sarna way p Eyed wed tlla f~rdtt poser- it'yaKr lad aao+ao~si ~ nstyar L~rcR _ - _ ~ _ iM~~d~anasioM~s httyeioooeriret.. ._ .... _ .... a. ' ttrs ail sani aas , for dl CKd~e oa yet Aaaoon! u~lies t~i~ ~is doss not ~ep~i.~ ar ~n^~ s'b sie~a ._ ."__ _ 8lfolorottat ~ M a «ridaab ` ~ rrlwn year Aeaant the a aael~oter! lleisnse asa~~ d ~~y~~yourA~YarStMeanrK at+owa0taussodansbtirEiiyearlrmom[do~iq ~e fyao da~i~otrro~y uapoe~b ~N ltyearpabatpaoisaoadsy aroaaawoeloaanyourAcoaunkandwetrleraadRyaa•Aomn~fbrdar~taEltedlopisdamesd, 7fatl+sesoi o/yeatd~ie apelaaf~leMrporooa.Yoaabow! . (nrwasa4-swoa4ridyeoraberpadaasp+ewoiredinoorr~os+w~Orsd~pibds~Ywessk Qledtt~onneaq-daiaari_bnediantandllmtolhrpameKaad r . ,~ , •~R^S • ..•~.:- iwa~ M a~erefsnt snd 1hd eeMr paesoeK yotar ~ kedtdes tl~ tss doeesN~lslastsas uak tlrmd` • 6.7. FNS. VW +NS trod 1hs fataaSs10 foes ~ Thaae fiesM b » d0°°r~ aa+tjl t ~ b~~r yla~ i tsd4 ~~, ~wetaetebar. psyUq ih• fass dnryed velee a ss dssaeWd h On lloeoetat Std ~aotfyteaRas~s titer dabd: ~ or laiaa ~ ~ Y see aeeaetat firb sins ~ aleagal R . ~. Wa eiegl alert ~ ~S~iilnafudw~a ~e~~ddsefyaurAom~ast~i~, If llewfis~.w•eey/ • ~~q ~ ~ ~aeefid ~~~~Tes is pe~+ls in sdvanot ~n tyoa do t~et wsyour" ~iaeors~ • ~~ yya ~,.y dregs you a ~ x ws i oat tacdu~a yanr psineaet h Baas for esi m oraalt It 67l tf ~s dry deRe a[tiowre as palm • s fes t a trarweooti t~~ or oONtfie. e~aaps a bsteeas osuaes you b tP orrsr ar naeste afar an~aadR it ~ ~ ~0 A'~ VYs mai- dnw'N y~ a fes each t-e» any l IN antra b es k nd peJd ~ your Mssdd' loslu0oal. avsa E>snd t~» ~ •1tVa ~sy dapa yoe a fM K ws d0 oaR pa~f an Iiocsss Cheak fOr aril res. y+ct~~Q ~re1s ri~R~t000anf 8i bf or closed. msy a iee Bade liN you ue b amp paynbet oo an Itoosas C1xck ~ you aeosaer ss ta0asnp sbP ~ y ~ to IM ~ PedAocass~ • • Y4S any ~ yon a Arm fea for eePlea of tram douaataeetrt ar SEamar~anba witess that' ers aetaisd 1n nsolaltq s The faas ars Airaaca ~s• Wa ~ 1f~ad S,ea+' as CssA Adrseo~ Ths+Fa tease apph->a your Aaweaet my if ltee~ sas peopled d goer Trtdy b t7bdowss . . . aide /tdranoa Fes. Ws axi/ desrOs yea a fea Nob /aaa you otdah • tanfi Adbsnos. • jVYs easy ahseps yos a tea ssde M yae abteh • ' . T. TfS11S~Obs Yads fA~ F~ pyou nafos s tismsdon t~ ~•!+s G~s~R~ieesa U.b. dart aasoeaaL Card age sdi mo slr oupeetoy oa~sios P~• >aele. Iles aorei~iiwisds tldetaa b a~1lteroaaissalq nida~is~~usta~ia~~ iranas~don •poslke0s .1Ma da a~ ~l ~ ~4 ta6 ar i~~k~il! aestsreo!- desi0sawp 7. No Nis. Eaoospt as atlenraies paaelaed b tlea't3i+0 P~ dyoer rra ans eeataespox~Ia fbra~q f efalaa y~ ~}~ ~q the pearot+sees d laooda areaerloes aasdsM~i your AereL . T. Y~tdliltt ilit~letds. p~ eas~baraiedtor araarrkes pudasedw~tyas NameQttulrsa-aai^iasads to M psduN Sa/awsatf~Roar Aaaoae~ef.vir ele aatoaatrol a eaeaaheitaeode es yourtstsd.Wsdso Jesus s etiuetwbte areaotadot'ffiN ailer.es,sor..yonr }roeess g,, Plly- Yar statasiaaf.i peaelds tar aaaidiq tetaiemq M saetoeds dens and-tlr des efai tar mh ash aseoaatf6l-ds~ ~ ~k the Shc~a°°'ed yoeri ~ ~~~` tromyen.~trMtO~!-~ N~~f+~~~notbaenonp- b tatltasttbsa !N pglderpaetd4es>olall~atyaeerAeooeefi tf utoesttesnifeaaetaMilesaes laaelNbs sa valr~ aee.s on ..aA ByrUaaa~f.s awd yap Yds e,d is e°ins~0's ~ ~0 ~Otd ~yaaaserl-abr.wewor~Sawe~arynerSfaNnee~trt+d~+dassdabiais °g. p.Yourpa0ls~eNtOsbLL$.doMtioo.Il.Bdepoa~sooovntendadNntaa6e~saoeatAaNtatsw.Maelaaat samepRasit M~i~~~meyaolodsyepSealsNlbAsdetioayatAoooar+taraeglo0taraseltaposasiMltusaras~alMr Yat mwt leaf OtOAd b tee d tes adsses pmeddsd as yoxer ~aiasaaat if res tsestss Yo^s Ps4-ateat ~ ~ Spydar~tesarthetdsl~•wdtardEltbyewrAaooe~lonbsdsitraaraodrsR t (f}ysnared t~stsadtldro+s ~ 4edndedreryonr~aM~ 1n to ssn+serodopsrdh yourpsyseent: -• -• ' ~(-~ Gdiafi yt50eLAsooe~nf seueber as yaeefpeyaaeeeh ud - ..-• - - -... _.. _ ...._. __ _ .. _ --- _ _ . ...... _ ..... _ ... _ .... _ ' _ ..._ .. _ _ _. _.. _. ~ ~>+ anfras ataer peooaealetl aanletbll iha tN hdoatea exe your eL PleessiRalMet6buM~SSdgislbrmeSii~dM~ teoaMedetsegoberbaetoaatbwryotMrbateta~ItrootbsaeidbraPb S oaisdardi~7li ~ uesiss yas b 4sas sad addlbesl flfwss _ _ J- --,-- _ - ` i . _ Y Ws aaA/ ab010! snd proosM ~"~ w~oaat any d our trade. tiiaa t ais asaR tit ti ~ 8' ~ ~ d ondlt uar+ss eotiw yf~ vsY~ Ms dsrb. lAh n~q rgs~nR red ~aeisaR wreaad 1lMls ~ ~ y~ Aosorett q Mogsay b aonsct srras. b r~+sd aryl agrgfl payfnarflar. a3td Irserdh sttMar a Ifas q y'q atfMaodes as sdast b uq lafomud~s~f~r ~ /nn b raeios • oraa Etna daotraeis*trad taansisr trap b poo~q M fart b~IL YVa MIN ~e~a~Ads a0Q~0l~ ~ ~ ~ plrlOa~ ~ ~ar.~at Or Offer doo q.nb~w~ia y u bs~irr yora~MPrM"'e'L~~D' arq' °0"d0~ w and qk i+s~cwa not aoasas Ygr+!+Mrrs i~a~es to his ~.ay.• sn rrn q R 11ss t» oafwetea lob sn i~ f4~at ~ '~~ ~M~sea WIIMI you~P~s arse ~ a~ fs °l~' IIYa saN rfd ba raspof~~ Ip ~d rMURiI Rna~t~0 p~~ ~~ p bnsr After PaanltaW Wta b:dttroos l~btu tsar ones. 9. Hat YVs a~pply_Your Payne wa fa+eaf~- ~Dh y~ P Plgsatdirbyou_r~+ht.arfa4fQgtrdeblsaa wmtyf~Oh/y«arP~~- 9. 1 ~r~ -~ ~ Wa"~ ~ o~ ~• ~-t lfr~~a tlisc hays nasNoeq woeQa aoer~rur. ifa~doas or pip llsrsfemnkedwlff fu wads'Peid b Fuf or sMfr addreq.~ sfustbe mefed~b ~~ artyafsnt~P~41Q~d ~! Tu a~tl~ao2q. ryas n+s1c. ybor vY~ b ~- °~10r suaress.+A-s nsa!- ~ 1~A~ eeeoc ~ sslc tst~a cw. toano .r~- dart rtdfls. 10. CndR Bddana~s. we may n}sat and nmrn b you sny wymsnt d»I craw a ~ t~a4mcs an your Aooora,t IIf4/ asclt tfdfafos ws afofv rr! nrat tta awfsds uraM we aorahrm dint ~ ! ~ dewed. We msy redafos tt-a ernefa~t cf aanndy( aedit bNanos !~-aarJr eaafe afsofafb You ooffefd us ors P~ 0° Y~ SUlsrnusf ~ a ral~afd of anltavaYas credit betsirfaar. ryaf ooMaet ua 4~ w~Mt tsyr» t~isncs wtr+ln 7 t~estreq days horn out rsoMD~ f °~' 10. ACCOtai7t Ddatdl. You wfl ba bf defsf~lod yourlbfsea'+gd Mtl- v: f: (i} you dd notfrnlos eery peymsntwhat f b doe: m a9- P~°At 1j°u topics is ,' ~ paid at cannot be proaxgsd: fs)11a++~~ a ofadit fast . t41 a bafawpb!- or aAhsr tr»d+iaraoy P~''0 ss ned by a aftMat yot~ . (b? yon dMfirsn-lepvy ds~rad lrfoorfrpstsaioth!~ I~~ ot~ ~d you rqd° ahlsa. of aisissdb0 siatxaenton a+r!- d yorr doasr'srm'9°n• or yogis °r~snaAn Msd to C-?ya+doaotooaapb~ ~!-tantt d filrffgfw»ata any of-arapraswitwtfr us. Foraetlstaaattaatfaa.Iddarfeap~fsestiaaandtussonyaaar~oooran~ouro~foq boor atisrnuidsisaiaeyoaaparsdyorr Aaoawt b adlar, tyos ate b >afs turt-~s far fofofdf f aotbns wllfiool riofM~i ~ya~ !~~hw arys Qr~saust tra~yot~ (1) doe a<auapind yorrAooofnt {~>garyourdssdlffntt~ . (3}tearaeasywFmUatsruaft »t • {~ daafaead M yen Yamadl.fdy pay ~ rants bslsnosa owing on your/loooaoat (~ opnfatar to dfatya you F!'fsnos ~ ~ ~ ~ Y~ t+el~s eeinaln out~efdfas~ sfdh~r - I~~M ~~M~~etss afo~ws.wbldrlndudesfrsdln0 da israuf2apa~~ a ~~blkafoes as You aawtpq~ 11s ar d qr aaodld ~afaofoa a~sfafas. isq grad coat eoads taissa f1s hw ~ ~ d~-lrs~i~s~ y~eu 6i 's~yafdongiatyoa~wsttttglolfoossbNlAb~d d~sp°d0da*epododP°utdadb~r tllh ~ ~!~ ~oaa tone b tars npsfdfap yoga ~~~~ ^~- oadset yet Oa an~-arsestsrwi dross es~tgs tltelaNgOls~*saau+otF~brafsrripMr*sg1~ . (1~ oeotaatyaat M ~• ~q °"~ ~ aasoadsd ragampR text meesaps oar t~ rfdt . . _ _ _ _~oo~l~atya'ii!.~!'ourhatn°sndrtyoesPhosdaanployrnsnC .... _ . _ ......... ...., . ..... .. _. .. .... _ __ (3Sgntsatyget+yoa•rnobiattielsp!'°n°C • . . {~gc~a~yo.'.e+r+ytb~ter~f,aaw~•e~•nanot~: . (~agAeatyanrllh any tsquency: ~ ~ ~ y„~,a,aw.ftn f gd~iasfafMos and wl0f oQfers: aril t71~~-~i1i"'4y°°s 11°b~$ ~ w ^ad out prarpoq for oontsdw+Y i'q o~ ~ofs.ts tr~ra+t hqt or raid f: oaroot~s~ ~yoffrAcooaftaainotatsofdledand~taadliioralnlerraafoo ~ taeft ~rbes Ilwtf.dr ~~- raeesl raodrji as<aPpsq eWst 1o ssMoq and aa-e anlotmisd dNnp dOt bsN~uM~M~~~yeu axyoa oft us. ~yasrlslabisusayasaasA~aiwfhafaaons ~ you aafit podds usrflff dOO~IM~t~M sst torand taataasa-araatsP~adoa>. 71. Cradlt Reports. Wir rosy paNAM biomaOoa abort ~'snd !6a Aoooee[ b ooetwaas wpaOnO aed:ateees as b our lrbaoea. Maenadton rra ail~t oa your aid tw AnOiartat Ueeee~ aapoga.TSra Dodd lnoieds^ap/rs i< ~• ..~, yae da aaf m~lwlh {~ wms dtds Ms~f- obhin aie ups tnlbne~on ~boat~oa iau consumer (Q'ed~0 ~d9 ~ aO+ata as tea Iw.alows. 11-1L Cbsi~us~eae~rq Your Aoooanf. You ask us to abaa ypurAooorertR~oc wNIRq ns es as y~sngriM.~lib euipht~P~D~ you vW~ arm ~ alba> ~ a~iltase b~ keopl i~t of aop~a t . Aaae~a~ a~f~~ooad~eedpht ~ Pew t~MnPo~-~ Wa may do 1Ns of rey 4a-a r+d rxan~- rasaon. e~ ~ oe+s notla derrulk Ir yowt t; aloud or wapandad forswteeea~~~d y~+~~rP~ t ~ a~ho d~is0 y d C~arelS~Y~tnosta~[ you Wi S+b iet ya~u. d w abaa or ps ~ Jiooorai b obad az a~is~dad. ows on ba Iloaoaa; assn t bay arc ahatgd yar 1 Z Lott 0t Sboien Card You ae Ytp waan6N Wps b psMa+t tM p~wlhoetsad use d yowr C;an! and AoooraeG Qridts bat at sfobu or>f samaoees aba Myht t+o udn0 RwMa~tu ~~ niwt LN os atonoa. Yar amt Ni eu by~tl+a nurbarae Iha t+aak d Carer at oet yaur Siaraeant~ m at Oa ores on year Slateeaant You vd~a~npoatsba_ ~~p ter n+rdu to ~~, p~ rd ~ rslmbusan~snt t+aa f i ~rraipdoar Ya~+~l+~ lewk~dss doasne~ firt rvs ask doe a~fd tM an ~ ~ !o us. 12. to Motu Apf lem~t. AI a~ tma. wa sdd. delals a dor+pa aa~/ iami d Ns ~Naaati Mia tdd yon teat ws wa~ld not: I~AiG aA~d+ra Yaa notoa d ant-dNOOs abte wa pyou~oe~ !- lold Opt rra nail arlr~ ~f~dn i~_ wlboottaoioar. tf ra do ~ aqd dOaai+s iy ~ y~a~ t~ars~ooenedoa ~ ria d+anpn~tle~Mss~yoa oba+airR N w!1 aPplYb 6~0~ ~ ba~bn~ an yaurJloaositand naw~orrs. 12 Qo~rnTgp' LaM~ This 1~pteetaMt atdyaa~da~ bt ptrraettad ~ fedeeai bw OSat appias b testa attd, ~ftieoel tar doasmtaad~-. tl+en ~ Yee'rla reM tw eaOataaaa datwea Nw ayawatiara you ~ tits taerd 1Aib ass beplad b Wbaio ttta damebas_ bb ~~~ ~ ~~ ~~ Y'0"a ~ ~ b 11~. IE any pa-t dAeeaaar^t tr bcad to ba l+al 92r'13~. YM^~MOr. VMs rdr not ba aeryd ats ~ l?,w datey b1dnO asty aoiea for a~ ~aae~A ar~iF.w~r dar ndt aotly ~.t=or axaaop~a,,, ~aa a;y e ~i o~a~w f~iOet a~.a~atrbb dAsa~oion~~ot Idrds~ and ~ ~iiai awn. You do na~! w b nab o~Mor~iian~ a~ryrerrati deeeiaad or ~lanoc Nh nwl-Piead aOakrX Y'on~P~O ~+~00~ ~- 13. A~taett'rNs /tyNnreadi t» YadtO ~ and t+enallt, any at yam sad ortauooeaaes and sraigrp: You eaeyadtaraa~yaarAesooartfaryarlyreaeratbeeo~eorM abewlOrot~toarwtOweyeMiadoR. Wi aaty ttaeeeOer AooOUn! and Ns11/aesattb Mdse[ mmpaebt or a~aut ~ and titlKeod pAltaaafus byoa.'tltaytt~ tMdereb salYae~t~tactendpeeioerneidyo~~~~sb aadMOtuRfE~sP~~' aa~l~en~ed M~i~s it~a ~ yoct AoeeaierlA~ Apewaant eos a~u lautaa Yaer peleawd b aQy ura~- Ms OtINC is 7Tis ltcbdes ralraale~~!/aeaeeettb~ a~wnegfnp~dblhtROO~ooaprenyaaPereo~ 1&t8~ .~lossr~/. • •Aaasaa CiroC means any dpdt ua atad b po ~ aooess your Aoeoont Ws uie7aleo Cedar m an llessss G~ael< asm'boee+raedaraa eliad~ Or w'~1M~Maf~la~.' • `~toaaearr masers your t~ralaoooentallt ur. • •AMdrsa6etdtRwe'aepeesoe~aorataapasorsaAstnayusslhal.ardent(snotraapoeubisl6shespaywetofetsRaooMnL • eneeeaa a 7Maaalbr poebd b b peadeaaa SaOrnsre! d ]-otr Aoootmt urdaes abetMaa dasel6ad b yoerr T?at1 Oa Lsndiq .~ ~,~~ anerns a partod d lee fMt wy a Mnp~ bw b ~ s0 Ths eteellfo d r daaaved oa sash ~~`M~ -lioire~ yat wi IKw~e a rq~e~taan if a BedMna le rot r~d.~ ddn sp~8~ta ba dr taoelh h ii ^~r~1e~ dYs aeaas ae pp~~d ae fa For maeetpM, a'1~Aentt ~D +~A haw s ~loa'!q b Itnda IAAe msy dssae~ertset ~gOOab asa~OMd. • 'pier ^ssMet CepIW Oeis oeedt ota! eaeteleledreple yourAoooca~ aekA ltdudas ae eaeesaiab and wbafltAooe: iais maaas ery otter .... _ _aooeeM.~~~i7~eM!r+!y°11~!r01m~ babltln risdRindndb0a7fdooeenfnsabetatndan~/lar~wrC~eok • K.bedAssva~d ~ V1ea kL YrelaOad ldMetettad Nooepaab4 or aegr aber aalroek powidat dtaplaysd eistri C~ _ • '~Casb A1AISlott' ueiq d Ced b o6M4e bae~s b eah ar baps ws aaealdar oMi aelndraNnls. ~ ae~draYnls bends als t~aw~n[aty~otr~ia~solb~tarolp~• as Sa~~ ~ ~ and wapere. ~ /1d+titraesara poabd to 1M aaeb . '1'+ranw eaaaees oaerle htaeeyour oastotoiedt~d as a doOar aosaart 7lriaa itdoda bs ltbeest yoo pa~aeayaMrl11d aarbbypePtaeas nedx b yourThMb taexlbgOllaReeuesa lker atota TnreuraO~. • `rrMr sevens a ohaoR desR alaa~ adr of altr napoteela lislnanaed you sss b pay ~ Account Thrs !~ ar4/ loses of boss 'lealae^pia.lldsdssseatln~~dudappto~~Aodor~sterL're~rk emnqa~ rtaels~IMooa>t?Irdaa~r°rOle0aaal~-~Pwaa•a~•~'w7~bea~Ia noae~.~~ ~'lNs t~ • •SPaedN «aaees s Teansiae patMb M TramFer of ye~eerAexoroef and nol b your pued~ws • maaees'a doo~aeearei ar idoesaTiaa a~ b you Aoooeae! Nomeadon made b yourlbaotn(~ • l9iq f~dt.Mb a~pid io -d~r b ~erd st s'Pubdb 61oba ~~ • '7taaslrrar'seasAS balaeeoaa Uanafierad taa dMraooounls b /ds Aeoortetand r+ctudas 8alnn+a TianalYrs acrd ~~ • •~d~etirraladasyouraa9dbMae~odowaa, opon~inp~~ b~d'eas~1u41a lw~i~ Ad and t3-t8. afb~ratlon Provisfvrl. eea<~ Y specs ttnt NOtar yotr or rrs a~ ~ aRear vwgta sofa afae9on, eaqulre that any Ci~n {as ddNad bsioNj bat a,soh„d by 't3aba•rneaea fiery daiie4 oonbo~vaay ~ di~la of ~ find a nsitss betwsen yar end ua. a 7bls dla~eae, i~albdsa~ > dear; cry Obtn ~ h arty war srfaas uom orrladaa foc 8d~~~'~r of Ms taeerea (iedudnp any t~- betwesre you and us a bebasen you and any ~~ ~~ baea wlek3f rrs thts /Ybfa9on Pewloton (tnuk~mnp wtytleer a~rthee r aubjad b adrllratton) . 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C3 AFFIDAVIT: I hereby (swear) (affirm) that I served able boxes.) ® a copy of the Notice of Appeal, Common Pleas No.10-7473, upon the Magisterial District Judge designated therein on 1 ,.• r - (? A •. RECEIP Insurance • Q I? ;tjr?lnce 111, • p^ 'osrage ---_... Ce titred Fee D Retu n Receipt Fee postmark 7 (Eodorserentfiequired) Pcstrnark Here Restricte r Delivery Fee sere (Endorseir, ant PegUired) 'i Tote) Portage & Fees (date of service) 12/10, 2010, ? by personal service ® by (certified) (registered) mail, sender's receipt attached hereto, and upon the appellee, (name) ROBERT M. REIFF, on 12/10,2010 ?by personal service ® by (certified) (registered) mail, sender's receipt attached hereto. (SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS 10TH DAY OF DECEMBER, 2010 Si of official before whom affidavit was made NOTARIAL-SEAL LEE PERRICONE Notary Public SCRANTON CITY, LACKAWANNA COUNTY My Commission Expires Apr 2, 2014 Title of official My commission expires on , 20 AOPC 312A - 05 C C= tt ' a ' " 2r' t t rt '"# ( C) c-n - 40 a x-n mc? :Z C)m ,,1aj1)10 `la COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ; ss OF co^m ?,d F?? 0? C ?? 6 -?.,q Co ? 7-j F4-, - ( G l v I L AclT/o I l F DA, ' I ?? ct1 P,?, / ? 0 5U 4 a-'/c6-' n Pcre-A)V 011JC /3/fUf? y / U w, NI.?,? Si?• ^'6- 6 171 ? ZM, cl?° r? ;Z, Ike" Cd 1/ 2%_ f ? 1zd?c? ?'?'r? J ,Aj IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A Plaintiff CIVIL ACTION vs. ROBERT REIFF NO: 10-7473 Defendant CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on December 13, 2010 the below named District Justice received and signed for the certified mail containing the Plaintiff's Notice of Appeal of the District Justice Judgment. District Court 09-3-05 Honorable Mark Martin District Justice 507 N. York St. Barclay Bldg. Mechanicsburg, PA 17055 Edwin A. Abrahamsen & Associates, P.C. Ii v t s ?i ichael F. Ratchford, Esquire Attorney I.D. No.: 86285 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 C5 o ? -t rn ?-= .., ' 7 o u> -?. CD --4C) o-n v - °rn a FNom WINI? rW ya?r rwmw mo r'Wae so that we can netum ft owd tD you. • Aft A tNI prod tD the bII* d VW MWOWM or on the *at N epeoe pwnft- 1. AdkA rAddromrodtw DISTRICT COURT 09-3-05 507 N YORK ST MECI ICSBURG, PA 17055 Pr 2. Artl®1e Nu?lrer (sp„or "m seMae OW Pe ft" w 1, P -1!fll # ?itl,o~ Men a Erase Men Rages C3 Rol um As)W ror Merchendiee ? Insured Mail ? C.O.D. 4. Restrlded Delivery? (Extm Fee) ? Yes 7009 0080 0000 3790 1901 e?aaeo IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA C CAPITAL ONE BANK (USA), N.A. 7) r-2 CIVIL ACTION ; u i Plaintiff vs. zo ; ROBERT REIFF : NO: 10-7473 = N Defendant CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on December 13, 2010 the below named Defendant received and signed for the certified mail containing the Plaintiff's Notice of Appeal of the District Justice Judgment and Complaint. ROBERT REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Edwin A. Abrahamsen & Associates, P.C. Michael F. Ratchford, Esquire Attorney I.D. No.: 86285 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 / uqmqpmw? k1mm fbem # If PAWkftd m ? ¦ P& t ytxr name and a s an ft sae X ? At"m so thed we can vU. the card to you. ¦ AtbKh ttib cwd to to bwk of the 8. PAc bEYd by (Fa* 1 AEA-i Q ,OMB d ?y of on the !Font N pace pwrr t19. 1. AAlal! Actdreased tW. D. is ci*jwy addiass c?fow kom Pon 17 C] Vas M YES, dNhwy adds bob w. ? NO ,?; . ROBERT REIFF ?Gg?U?AG A,4 104 W. MAIN ST S woo APT B MECHANICSBURG, PA 17055 tt o. mom o Ems... ? 03 C03 SOWM for modwmxbo ? Insumd a. Rimed D y7 MktralbO ? V1o A NurAiw 7009 0080 f tMe??eA?? ? s?mloa iledr4_ 0000 3790 1918 p ft" +W 1. ftba aRy M4 z f1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. CIVIL DIVISION Plaintiff • - ? M lad 'es' Y -T1 rTi ;z- vs. ROBERT REIFF _-% :-171 104 W MAIN ST APT B NO. 10-7473 77 `„• " '? MECHANICSBURG PA 17055-6278 Defendant PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO THE CLERK OF JUDICIAL RECORDS: Kindly enter judgment by default for failure to respond to Plaintiff's Complaint in the amount of $4,406.48. Notice of the intent to file a default judgment was served upon the Defendant on February 01, 2011. A copy of the Notice of Intent to Take Default Judgment is attached hereto and marked Exhibit "A." Edwin A. Abrahamseq & Armes, P.C. Michagl F. Ratchford, Es Attorney I.D. No.: 86285 Attorney for Plaintiff JUDGMENT AND NOW, this 0g* day of ILa , 201L, Judgment is hereby entered in favor of the Plaintiff, CAPITAL ONE BANK (USA), N A. and against the Defendant, ROBERT REIFF in the amount of $4,406.48 for failure to respond to Plaintiff s Complaint. PROTHONOTARY J. +14.00 p o ATr'/ zoll %?6e kAA.tW IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff : VS. , ROBERT REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Defendant , CIVIL DIVISION NO: 10-7473 CERTIFICATE OF SERVICE 1, Michael F. Ratchford, Esquire, hereby certify that on the date indicated below, I served a copy of the Praecipe for Entry of Default Judgment in the above captioned matter by mailing the same via First Class United States mail, postage prepaid addressed as follows: ROBERT REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Date: MAY 4, 2011 Edwin A. Abrahamsen & Associates, P.C. Mic ael F. R chford, Esquire Attorney I.D. No.: 86285 120 N. Keyser Avenue Scranton, PA 18504 (570) 558-5510 CAPITAL ONE BANK (USA), N.A. Plaintiff vs. ROBERT REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Defendant In the Court of Common Pleas of CUMBERLAND County, Pennsylvania Civil Division NO: 10-7473 AFFIDAVIT UNDER SOLDIERS AND SAILORS RELIEF CIVIL RELIEF ACT OF 1940 AS AMENDED State of Permsylvania County of CUMBERLAND SS: Michael F. Ratchford, Esquire being duly sworn according to law deposes and says that the above named defendant(s): ROBERT REIFF is(are) not in the military service of the United States of America as defined by the Soldiers' and Sailors' Civil Relief Act of 1940 as amended; 'That the defendant(s): ROBERT REIFF is(are) older than eighteen years of age; That the employment status of the defendant(s): ROBERT REIFF is(are) unknown. Subscribed before me this I /Vj day of - 1 ? No dry Public n NA COUNTY rin.. 2, 2014 Ucpartment of l:Aefens,. Vanpower Data Center Military Status Report Pursuant to the Service Members Civil Relief Act Page 1 of 2 Aug-02-2011 10:16:48 ]Last Dame First/Middle Begin Date Active Duty Status Active Duty End Date Service ----- - Agency REIFF ROBERT Based on the information you have furnished, the DMDC does not possess N 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). Mary M. Snavely-Dixon, Director 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 the 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 http://www.defenselink.mil/faq/])is/PC09SLDR.htm]. 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 information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again 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. https://www.dmde.osd.mil/appj/scra/popreport.do 8/2/2011 c?aes* V ;_ *arv S*a`us Page 2 of 2 iVore it f i rmation 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 cif more 1:han 30 consecutive days. In the case of a member of the National Guard, includes service wider 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 Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy 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 -"rational Oceanic and Atmospheric 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 extend 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 certificate was provided based on a name and SSN provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID:AOROG77VPL https://www.dmdc.osd.mil/appj/scra/popreport.do 8/2/2011 CAPITAL ONE BANK (USA), N.A. In the Court of Common Pleas of Plaintiff CUMBERLAND County, Pennsylvania Civil Division vs. ROBERT REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 NO: 10-7473 Defendant . NOTICE OF FILING JUDGMENT Notice is hereby given that a money judgment in the above-captioned matter h s been entered against you in the amount of $ 4_ 40 (o. q a on 1( By: J23th If you have any questions regarding this notice, please contact the filing party: Edwin A. Abrahamsen & Associates 120 N. Keyser Avenue Scranton, PA 18504 Telephone: (570)-558-5510 (Notice is given in accordance with PA Supreme Court Rule of Civil Procedure No. 236)