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HomeMy WebLinkAbout11-3695COMMONWEALTH OF PENNSYLVANIA OURT`OF COMMON PLEAS 9TH Judicial District, County Of CUMBERLAND MAGISTERIAL DISTRICT JUDGE JUDGMENT COMMON PLEAS No. //- NOTICE OF APPEAL Ili.„ 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. NAME VI- APFLLLAN I ^^?• CAPITAL ONE BANK (USA), N.A. 09-3-05 MARK MARTIN ADDRESS OF APPELLANT CITY STATE ZIP CODE c/o Nudelman, Klemm & Golub 425 Eagle Rock Av Roseland NJ 07068 DATE OF JUDGMENT IN THE CASE OF (Plaintiff) (Defendant)' 03/17/2011 CAPITAL ONE BANK (USA), N.A. Vs SHA COOK DOCKET No. SIGNATURE OF APP NT OR ATTORNEY OR AGE CV-0000498-10 This block will be signed ONLY when this notation is required under Pa. R.C.P.D.J. No. 10088. This Notice of Appeal, when received by the Magisterial District Judge, will operate as a SUPERSEDEAS to the judgment for possession in this case. NOTICE OF APPEAL FROM If appellant was Claimant (see Pa. R.C.P.O.J. No. 1UU1(6) in before a Magisterial District Judge, A COMPLAINT MUST BE FILED within twenty (20) days after filing the NOTICE of APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE 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 appellee(s) appellee(s), to file a complaint in this appeal (Common Pleas No. ) 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 , appellee(s) Name of appellee(s) (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 MAYBE 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 JUDGMENT/TRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. AOPC 312-05 ARY OF THEPRD HONG 2011 APR' 5 PM 2: 39 CU IBERLANQ COUNTY PENSYLVANIA Ccia ykG7 ,eiit4, w5? Gs .5- COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND Notice of Judgment/Transcript Civil 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 Capital One Bank (USA) N.A. Attn: C/O Paul J Klemm, Esquire Nudelman, Klemm & Golub, P.C. 425 Eagle Rock Ave. Roseland, NJ 07068 Disposition Summary Docket No Plaintiff Defendant MJ-09305-CV-0000498-2010 Capital One Bank (USA) N.A. Shane A Cook Disposition Disposition Date Default Judgment for Defendant 03/17/2011 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 JUDGMENT/TRANSCRIPT 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, nR nTFIFRWICF MMPI IFS WITH THE JUDGMENT. X317 IIII Date Magisterial District Judg e Mark Martin I certify that this is a true and correct copy of the record of the proceedings containing the judgment. Date Magisterial District Judge Mark Martin MDJS 315 Page 1 of 1 Capital One Bank (USA) N.A. V. Shane A Cook Docket No: MJ-09305-CV-0000498-2010 Case Filed: 12/22/2010 Printed: 03/17/2011 2:36:29PM PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 In 9 92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK (USA), N.A. Plaintiff(s) V. SHANE A COOK Defendant(s) CUMBERLAND COUNTY COMPLAINT IN CIVIL ACTION r;z-" NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford St Carlisle, PA 17013 (800) 990-9108 AVISO> USTED HA SIDO DEMANDADO/A EN C-&Te Si usted desea defenderse de las demandas que se presentan mas adelente en las siguientes pdginas, debe tomar acci6n dento de los pr6ximos veinte (20) dias depu8s de la notificaci6n de esta Demanda y Avios radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted falla de tomar acci6n como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier otra reclamaci6n o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUIENTE OFICINA ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSTO A PERSONAD QUE CUALIFICAN. Cumberland County Bar Association 32 South Bedford St Carlisle, PA 17013 (800) 990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. ) NO. Plaintiff ) V. ) SHANE A. COOK ) Defendant(s) ) COMPLAINT IN CIVIL ACTION Filed on behalf of: Capital One Bank (USA), N.A. Counsel of Record for This Party: Paul J. Klemm, Esquire Pa I.D. #92125 Nudelman, Klemm & Golub, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA) N.A. ) NO. Plaintiff ) V. ) SHANE A. COOK ) Defendant(s) ) COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK (USA) N.A., above named, by and through its attorney, PAUL J. KLEMM and the law offices of Nudelman, Klemm & Golub, P.C., and files the following Complaint in Civil Action, and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A., is a foreign business corporation located at 4851 Cox Road, Glen Allen, VA 23060. Pursuant to 15 Pa. C.S.A. § 4122, "a foreign business corporation shall not be considered to be doing business in this Commonwealth for the purposes of this subchapter by reason of carrying on in this Commonwealth any one or more of the following acts ... (8) [s]ecuring or collecting debts or enforcing any rights in property securing them [or] (9) [t]ransacting any business in interstate or foreign commerce." 2. Plaintiff is informed and believes that Defendant resides at 651 W LISBURN RD APT D, MECHANICSBURG, PA 17055-5864. COUNT I - BREACH OF CONTRACT 3. Paragraphs 1 through 2 are incorporated by reference as if set forth at length herein. 4. Defendant entered into a written agreement with Plaintiff the material part of which is attached hereto as Exhibit "A" and incorporated into evidence. 5. The signed application is not accessible to Plaintiff as the transaction may have occurred via telemarketing or the internet. 6. Defendant owes the principal sum of $931.54 for credit extended by Plaintiff on account number 5178057271332830, and the reasonable value of goods sold and delivered and/or services rendered. The credit card statements which include an account history with the substance of every adjustment for any debit, credit, interest and/or fee, and the time and place of said transactions are attached hereto as Exhibit "B" and incorporated into evidence. 7. Plaintiff reserves the right to supplement its pleading should additional documentation become available that relates to the account referenced in this complaint. 8. Pursuant to the terms of the credit card agreement, Defendant also owes interest and reasonable attorney's fees. 9. Plaintiff avers that Defendant breached the agreement and is in default for failing to make payments pursuant to the terms of the agreement on or about November 16, 2009. 10. Plaintiff has demanded payment but Defendant has failed or otherwise refused to pay the aforesaid sum due. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the principal amount of $931.54, interest, reasonable attorney's fees and costs with continuing interest thereon at the legal rate from the date of Judgment. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. COUNT II - ACCOUNT STATED/OPEN BOOK ACCOUNT 11. Paragraphs 1 through 10 are incorporated by reference as if set forth at length herein. 12. There was due from Defendant the principal sum of $931.54 on a certain book account, account number 5178057271332830. The credit card statements which include an account history with the substance of every adjustment for any debit, credit, interest and/or fee, and the time and place of said transactions are attached hereto as Exhibit "B" and incorporated into evidence. 13. Plaintiff sues Defendant for goods sold and delivered and/or services rendered by the Plaintiff to Defendant, upon the promise of Defendant to pay the agreed amount as set forth in Exhibit "B" and incorporated into evidence. 14. The Plaintiff sues Defendant for the reasonable value of goods sold and delivered, and/or services rendered by Plaintiff to Defendant upon the promise of the Defendant to pay a reasonable price for the same amount as set forth in Exhibit "B" and incorporated into evidence. 15. The Defendant, being indebted to Plaintiff in the principal sum of $931.54 on an account stated between them as set forth in Exhibit "B" and incorporated into evidence. 16. Pursuant to the terms of the agreement, Defendant also owes interest and reasonable attorney's fees. 17. Plaintiff avers that Defendant breached the agreement and is in default for failing to make payments pursuant to the terms of the agreement on or about November 16, 2009. 18. Plaintiff has demanded payment but Defendant has failed or otherwise refused to pay the aforesaid sum due. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the principal amount of $931.54 interest, reasonable attorney's fees and costs with continuing interest thereon at the legal rate from the date of Judgment. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Respectful ubmitted: Nudel , Klemm & Go ub, P.C Paul J. Klemm, Esquire Nudelman, Klemm & Golub, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 VERIFICATION The undersigned, Paul J. Klemm, hereby states that he is the attorney for Plaintiff in this action and verifies that the statements made in the forgoing pleading are true and correct to the best of his knowledge, information and belief. Counsel has signed this verification at the request of Plaintiff as a matter of time and convenience. Plaintiff has represented to counsel that there is a debt due and owing from Defendant to Plaintiff in the amount as set forth within the forgoing pleading. Plaintiff has provided counsel with all relevant information in order to allow counsel to sign this verification. Plaintiff's principal place of business is outside the State of Pennsylvania and the verification of Plaintiff cannot be obtained within the time allowed for filing this Complaint. Plaintiff agrees to provide a verification signed by Plaintiff upon request by Defendant. The undersigned understands that the statements herein are made subject to penalties of ' 18 Pa.C.S.A. Section 4904 relating to unsworn falsificati77_- Date: Paul J. Klemm, Esquire Nudelman, Klemm & Golub, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 EXHIBIT A CUSTOM WOM M M Capital Oaae We ape 1 b 1111111 your mhdt ad acceunl Thin Ctaban Nham= mrMhe Marsha about your account. Plame rsed t and keep t for your negada. Your emkW With Co for the Cord and emouri (Ire Agreement) coainb of file QrMonlr AlroemnL lopatar well any danges to thb Cusbrsr Ati m , tows aahke a gohided below, the Seadtl Amount (t aPpgcbils), the Sasaty ACOM Am~ AIMMI rt N applicede), Capitol One Pmaq Notice. any momeri de lmum prodded and dulveped b you Mfrs In, or at he time your amount opened, icludin dbdmMa ptmusnt to ngrlalant of Truth b Landin Ad (thwsWW-riLA AeoouM Obdoaares'1`, r wd as art/ auMequerd not= of cke?nnQQes to t no deanmt, end any end all r 015 that Include lour SIVO m (IabaaA Wrryry abNOnb or dyad Sigrsma) on any eppfafon, asks Cop r COMA midanCo of indabtad ace on your amount In fhb Agrwmm to wads 'yet' 'yW ad 'ym. nkr to emir assn who saved to sppliatol for on am" (such, a 'pint ascourdatinsol and 0 am" die WSO is Useel. bcW as pd asmand herein oaah o1o jcu h IaacA, an It onassfissair mean Cepfel?t]na ? a?irtl? asepns, ogonfis mndt sulho ed repum Wm. I the applcelinn for ft sooM shod that n aoootd will be a Seam AMA' #6 antra the lands you tome pbdpad to a In noun your account. Thin Atranwnt and to techBAcaomi: Ata?loort Agneaont pit anAmble) do rot . * b my ofnr Q0111 One rlk_scas at in you may Iwq efhr me or to fie 005113 ER AGREEMENT credit limit wen N t how tea motto s reaW in an our feat In. and twee tawad{ans and lass WIN be SAN to this Agnamenl and the Sewtty Acmut Arolpmwnl Aarowsmm It } Any Anspdm kmaed b loops of your cad tmt wi not r? in an beans of your pedt limit unless we expressly natty you morwha. Add dud Bmtlb and Services. Fmm lane to bme, we may oft you benefits and mnAOee with Your socount Thane too end serdas may be poukbd by a or IN palls, Unless; wVm* meds a I ed of this Apuwream and except as prodded b the AMmOm PrpNm total, any such bmWb all -1-t word ml a pert of this Apnrant and w sub(aet only to the rrmm and mndiforr Outlined In the - - sMt or amyin, bodua and Ozer official dbamwb loop itW to you with mmped b M' It and servtft We say ad)haL Cod, ordelala baufit or sarvtaa at am tars In aaadnce wt to broduns; or documental you moan. In addles, lay each bahdds or mdse afbnd b you In the mod remt iomfn Of the'G" to Bemis' skal replace and wPenede to bmb and mences that had been capped to you In ofo pmwabus mention; of me nft to Am -0 ; Exceint sitioli In. ad briver senAtws pmv*d by thYd rte our the wafts or we aarrinai t hrsse tkd Putt. n. Unless YOU hims entered you and we as siso a we an delay rmong my of Or rival under tea Aptannt to-O l Ieft then. The Cord Is and remains our points hy, end you wN sunerxbr l b a Asaigrrntft we nay trawler you amount, 0M Security Acmu t (r the Saaaty Aceouut Assovesint Agents rd (t appkabla) an ter or IS under ban Aosemst to an emIll . Thi r?i kh air Plea under tNe the Security Amount R appkJbkl) late'SO Amami Amlgnmem t (f sppecaltb) pin q tlhe and nwwub Marbrnd. Thi aupne ropy a may mat ba n aAlMti of I One Bnk Yw mist ppaa h msignm ed opwrwtse pedom al of your ob%wi m under vide preemaw YOU not VMWW your account or your rglt under this Agmmmt the Sammpy AamuM?d apptoabla} a Ike Seedy Account AfllpuraR Apsntm it spinals) to any pecan or entity without lour eprau prsrantkn colremR b lave pmecedkq ermna, itin Apreermnt wll tea bkdkq and Ism b the WON your and our mpectw suxmso s, assigns and rep-"Wm• Uskq Yaw AcaounL You an move and:rWa ash advances (f cash achmoea w an option bryour win by g your ad, socoud number and any sccoatt access checks (indadkq am Chefs, Cananiana Chefs. Special Tmnbr Chats and after Similar dyads) that wedmmveaytly sSend to you. Additionally. you clomp y you as be efor Sucb hSaniom.. Who pelt you With mvia anual access right we will Cep you whether they will be tea M a wits hm n, air advnaa or special 1WOfU . Unitens Wit MI YOU OOvemim, Cavrenim os Chads VAN eftys be taeled a cnh dvnces. We may saahkh dNowl aegwarrs for poor arcam, prat an a ppolvm $oglr" a act admna Stephen and a pedal tausfas sWneaL Each apnat nab be ant cl to Map and aonditoa tat are dif anon than them that w iful defamer of an swont access dudr is limited In, of Ruda any mreegueedd danapet, and in no went YOU SDIW ad b use the need or aocouart In Coorw4n with any Intent at Illegal gambllat uaroactona burl ay krianW or tMpsl gea0lmg transactors In which you e wit to ad or am admit neverttbas all Ice subpd b this Agnment and the Sum AoceotAaabmMMnlAppeammrnt(III oppfaekleJ• Year Cod and mom may only be wed for veld and WU pumPeus. K you use. or altgrim sonevow dm In We, the card or aeearri ter any unmellll or mpvmdbVo Zone, you will be mmpasbla be ail tae ad may be ragukd to m iabnnm us and Mislo Cod blanob d Mooporabd MmftnCerd or Via USA, Inc. tVn; an Cop %M. Of Iola aumaan la all W4Ura of mpram tea[ we or toy pay ea a resat of such Waabl or kromw& bin ma. In sew avare env uroawki or inmonewba boainrsacaaa m are and ter 8aarmty AOMM mat /trend pit epefcible You Be" twaranotnaparbblanyarrMasmbhamryoradaaaxxatL f you had a prior wit and or dkeraooant wit us, or such an account or balance of 00 on ncaehf V= nWAf d ID UIM ntaralNpbs ad you aged b reinstate to kaI ,off Ile later amount is ter tam of your now account, tM maw socont WE am us Banta charges here tllodate tW on now account Is opened. Autodad oars w net Monday rmpouabla br the soc o nt An sutllorhad war may gm a andtaad. an nplmmtarbb manrdilttaerallamt nd an laawl to be rrlmwd trom to mount ShtYNd to our dwabn, an Sotodaed tar may not be abb b kibb erMin atlas on to aaoouM. You agras to provide to win Kenneth beatifying any "MM you fufloda le we your amount indudinp their name ddm& date of bktr all new ideNrykq hdonmtn we say noweat Exchargt MW. a YOU Mate A "n$Kl w In cure cy other to U.S. dales, VISA binnrtiahd or M196CM InUMBI l Will awem to class or Check into a U.3, doper neat b sooDdna with that op$"% hern"s or conversion procedures In OW at t1 lama the M,Mw m in poi eueQ VISA bbmr0onars repulstlaM and MoOrm provide that Sibtlw Apl Z, 1005. to ad" rat leavoon to transaction ox" and tpe biting US= used for pommkq ietmelbhal transactions b Signer (1) it no mkctd by VISA tan ao ?reahqqee of soma lable rags in VOW" cuna?y umMriMt ter to spprabte cardrat pmwwaq dab. which rat reps 'mY lam to nM NSA led leaims or (??to poveanraR uomMbd rate In egad k r ON appk db neat pouadeg doh. swmam Cold Inhandiavfle regulations end whole"ll norm rotor pal a gwe mwni mss rob in oft an nthesdadew (1) y of to oantal pmasyrq Cmh Equeubrit Transaction. I ash adwnces w an Option ter your soomm% you cm use your amount b purbw Corkin hams ft we rapid as 'atlt eguWlenf transactions- AN ace "fiefalt 1 rwr6 will be Vas ed as Cori advances and we be blind to to ash advance mpuMd of your moo nL Cash equlvalent tansedias kaUde. wMed Negation, tlM PerCoaas of wine transfer stoney rdan, bell, bury tYals, ante Into" ate and new akebm Product or services. Nothing in tom pxmr* wtl be itrtated to vatdob ny trossociea eat b urdawlul rin"mils". Yaw daft Litat Your NW most limit wt be disclosed wham your errant a opened tedlval* Eltw Wlaly, or at any later time, wa any establish dNerent aadl times to OWN" Iagmems of yoraccool (ash as Pwdaem, case advances rat eoWUroenot b taealaej. Your wrestmandli ov ills Will be hash ? d #W in your perindla sbWmft You eg allow ft bdnw of you amount bd charges rd Oliver km or dorm} or the balance the pOeabla segments d poor accono b exact la q*ft it oaOll link. tyea haw beech than to option to massive you create lord by adding funds b your Saxrly Account Of applicable), were rearm to rpd ndb knaaam your OWN:11me f do additional halo an povided white your a co rte Mb debit lift any Ixmme or decease your spent: Mae at any time deamse yon cede teak a any Moscato without *an w prior ?you? y *gmradjr bsmam or you, way limit to aedt bit for ash adveraws or may late ewy your abtey to oblate nth advances. We nay haw transactions in eaome of your Mekho Payments. You Pmemse to pay to and are II&M for all amounts due neullep lam to autarftad use of your ad or Scald, kcbdng any Chance da" ndoterehamga dta under h tems d lads Apmmmt Payment must be oak In U.S. dollies. Psymont mods by a door money older r other peptinte Instrument (aa 11W) mast be In a bm saMplada to m sad be from ea o U3 Nanaef kwimbn. tilt my *mb paytrwtt and olv r ache and pr M& amaq the 11eA0d1 a"NO d YON amount all to CMQU ad indndpat do Within mch maltreat in any way we &muwnk In Iinntpl balances batnamwnow vWx1lor.) with lower annual Perosnlage abs-(APR%l bebee Payments Icu reel to us at the addlma for paymnd nttd on your periodic attrlw t ill he ceded b year axant as of to dare ; hay we neodve It, provided (11 You and is nemit m coupon portion of your f rieft dompant and your dnedr In the mitt- enmbpa pw fed and (Z) you payment 'a nr "in ors prooloshq Comp by the time tdiatd on your pniodc rob ra t Pbme atow of bait the (5) bmkwat drys for pats delvary. Payments nmW by 01 al Corry ODW W" r in Cory Ofw ban my not be adtbd a of the day we fiction thou. Our kusllrsm done w Mo dso - Sabrdaw. excludfna homma. ON now place. we may der trio may ovum you to mar may moul In your saw" Arry nininaan t that is due ale be staid In your parbdb statement You rest pay at the minimum payment due by the date skid in year penadic dYement to Will A kin Peynant tea. HAWSM, tau may pay mw ton tea . Irvin m payment or pay ft bAm in rut. In may me. Now c1 asu will e mbA to to assepsd during b*q petods that you arty a balance aagtfiess of*t* or not yewsttmntshows insynaml des we ran 8[apt left prymeab or parted Poo maak or itehlw ffmftd'paymnt in W or otMr *at limuaga, or payrnadc with a request In appy thepeyvront In a particular rant, without loft any of our rights under tin Atwnnt, including our rot to reoelw ppaaphsd in 11th No payrtwt shell oDrete as on axxpd and ukbmn wCIMat our prior written mmost At wrNn cbmniladms oagemka diaputd am craft mating my chook or olr Payment beturnedtK be tat to psynad mrstlkrlas'psymaM In tar of to MmUt wad or flat IS ladmed with Oliver rxrMltlaM or IlmtaMams or a fun sabraclbn of a dipubd apoW reel be mdd or de hoed to Centel Ono, P.O. Bur 85010. Rfdarwd, VA 2328MI0. You will not make paymems tom Itahea obbkned Ian to amount or any ohm as* amount vtt us. I your paynant Is made to any cover address. we may accept the payment WNW losing my of Cop ment on yew accoun you sennortas us 10 make closand d a oo* samba Iron your bank eomunt for he Coast of Oe cheat a edicaed by nwlwbed dgk. Thin Solemnization apples to all cad(s) fecelved by us dorft fa biq period avail I not by sommant ate. was you ague b yon agent and was WW M Will those di daames in adwnce. This aul rdelfon knot reabicftd by to dell n 0o c adr ad bdtdenns bamift. Yte will had be, band by any natriolva laprd or baldlea apps lna m the Ise r mane aide Of ter Coked. t We MM VMS to Neekook kancbr, you eurbflae in to mica tldw??Iep your bank account by pnceasbg the dock, idWSdedodm,draflor meal. YN ray adwl your tmrat u rgpnpdaa to Conned elan. rabrted inno, mocted ftb ad still melMa l may, in our sob d', ,1, car an apdkd pawnad servce. You Cora not roqund b 126 thin slnrlce. Whom you autarbs m h Inooan a demand draft, a edm*ACHdaMrotaaoMWpaymrdael teryouraccotKwehey dwpl you as ayfdihd payment be in an woad diecbsed to you Your at Me Ithe of tee swvia We an not fesponebk ter any dshmor of the depwlorykoMrAln sd may lath to fm b tla aver Olaldl datonor. I you the Your acoeanl mrbr Or atr amount WWr&WM to aroter PenSah to make a page is t for you or to ad on your babal, you agate lot we m8y dbaas your eoooumt with tea! poem and piccolo the payrwht as l tare rode by you, You further Bane ink you Will be =Waft ter at mme pumom of payment or nar> peyrrwt by made pony, bdudtq appealed poymen t return pyrronL late payment and own lnh bro. we reserve tlo right to alum to scoepl payment on your behalf or to pencil another pow to ad on your blot. Paftrfs Statamiam Eah mont tat you haw a credit or dablt balance of more tan 11 in your focewd, we all land you a Periodic damson! as and whin reou applicable low, Periodic Sediment wig sibw all kwmcfts blind to yarWabyaooW dwbf it*Tbiq Wood. The hlNt pabd b the In from one sW~ doarq data trough ad including ft next ablement okoiq dab. The Statement clorrq data determines to mat of s spedfc baling Period. For d inn a purJaam7 bill" plod Is to billing Period with to Statement closing ^wy. Ranca Chrae. You Will be amenW frnw *"as all predasy tlhcbad to you z Pad d to THA Acmamt Oindonres or as we alit dis*nto you if regrind M ReDtiewbte Inv. Temporary Redunthn in Finance Charge. We reserve to Vet b not aloes ay or all anal chnga for any given bung petted without wah" M right to amesssuch Nance chasm in a Un bttq period, Other Fes and Charges. The to" fees will be bllied to to pahiae ani11aeibryour amount aredl kmllauht nlve aperdaee and baaped Cogai m wkidn far apply (tea A bb payment to will be use sd if we do not recebe yam paymnt hyha t for it lb be oadtd, as Provided In this Agreement by the date als"d i of orbdi sinme nerd, (n an owl Ilnk The wX be assessed I the yon (amymgmntOf ear^-_....... . a0 aay *p0a Imporipy or taradrm I wheat dad pro easrowark ed; (b) M auhdae us to omA I easy mom Is Qfear than h 7 an 1. dwwwyou wan[ ave" pa of tee OF chant, Orion 1 epprowd ou h do not hang my awunl ameca w dupReeta wpbs Of "mailm As rd an a pr-pp boor, unto al went lee wR be vessaw I, for A. d is anti hw&W or esaot be an aid or convot to processed. You pO donation. At cur oplm we nuya t OF 11 r later hor d OK r nun t M ang P nrMr baba ask may be collected O wt d fads we nay dupe My of or 006113 IM col using your card and account It you do mot OKW all bllllrg arnrpMhents, you and won uA wrrwder our receipt of a Ad to yaw awned to wrNlbAe your authorization to aooM h on the 0 en! Agreement l err yco an am Agreement h *&m b loss. Mw an ship tae, Cooth he domed to am her or aeges, or so aguamm tae and theges as pw bebx. We result in charges i MW" rigodghttbKaswtlnseAmgoing brd.. pna utoUAnlbn?b you whip toreopmod on Inatoed the Cash Aduarrn Fn. N am adwraae are pMmdrd he your account a can adfan horn a rev= i to fawn clogs will be M asaaaad each time you obain a ooh serene or ash hog bolo doesd, equhaNd ttrrdfoq (lj V4d he Sur 00 advance I ofyour amount 00 added j?act applied am" your avasae aM is1 The auount W to cash w pa f ahahpe he added b afar bhandd daffu slhosn m your pedpdb sheburR br the The mr46" purpose of mmud age for dial bil The may cause Permitted the annual ca PBX~ lculating Role dbdceedou for tltageal bi ft pedod tot bbee g bas th s to amwal as daarbed? *0 percMbga ONosed byos. doped btu as Memmbrsldp Fan. If sop a froftshifee will be 4a?rd In your find b$W g yard urdsr *Odk ly glebE ohrWa. N the morderahq re r raaoW ann ggy, lwfl be asset In h b" cod In oft sad aMbwsry, of fa apMr of yov Wwwt Omn. N h daxaaOO be Is asaaad sreropnnl ,, ft wig ba_ In ode b"BW aka purchase and applied agala(youravalobb red f mR The membnsmp fee was nd bur Wwrdid, In whole or in pan even I you or we coned to amount. Treader Fee. Afee wit be ataaeeed lot wed ftfwW of bads Rom your lmad b your The to will be tolled to the can adbonce wpm% of youamount and will bye bard of as cash advarim and applied agairod rawlaDr cradtbit Foreign Tnmactlen Charge. For aide transaction medo In a cowry other than h U.S., or U.S. TrdbkK apse big asap you a Irony turns as pmwiaalfr drdoaad to you a pit of to TM Acoud Disclosures or as wa W bedaa to you 1 ngried by appicabr tar. The fawA be bead an the U.S. dalrranaud of the transaction. Credit SareK rbmndon. You ague sal we may obtain dnfarolm about you from aedR desks or others at dm firms ad as R for h po p ses of madlo q your rod oMa, mMeoing your account Md oraldrap you for new offers a d ROYM, $ No* floret. The YMm and crgRbm coMetmsd wihr rile paregrapfu apply my R the application for h awoum awed ft the somcat will be a seem eomvr L You prodded as Win certain Arda, abidh hew ban dapoird in the 9euaipt Amount To man pyow of the barns of the sowoum and d oew amoumr owap undr the roe of 00 Nommient and Ira Amount Assig-a t AgrdMwfd, you have aanNre assigned. and pre ed to o a sanely I- I In the 9wrv Account al funds omrhed intone Soon dly AcceuK al puooedt d tai tregalr g and ad PM" of pmaeda. This remedy Interval Includes, wftd bird on, h rmd ante 1w were plead nb ft Sam* Ao=K my additional funds added to to Sealb Amount by any pram mid my Inrwe urged to or accrued OR he SNwitly Account The farm of gap secwRy Herast am al Nth In h GNU* Accomw As*nmed Agreement Om execu Aemotry flea $w lled. NA uao)dwt Andefoult traWr fell AW s am p ou of the *M your d this p' we cendNyou awount bas any riessR we may ton or. armadas and wWA p bas notice to you. uremia or warily inI by d.duding from yaw Seedy Aowred 6e balance due on )our awtuud and d ether mode owing under the forme of hk AgmMwd amd lyd 9amr y Amount Aaiarant/grammol. Wo may wurdae thk dphi b mde such dadrtlar?rya from your 8adaiy Aocamt Periodically a we dalrMMe lobe the dab amo r funds h 3w dly Amount to the p rson legal to closseL eniffed to aaosNell as send lr n.. Fuhn Odes The tens deny future ofr mels" b to aaoMy will be &closed b yap at the torn to Offer Is made N you accept an offer the rare will become eledhe tetsiy under of heralee Waled h h mfr. Dsla1. Wo m y, inourar d' , 1- de ' a dekult urrlor hk Agmenhed l: (a) we do not make the bl amoum d a g mnimun pwywad a a hafom h dW R is due, (b) you agreed ley asalt bit or tq an Nom rued b make peyrad on yaw award to not fanned or arch, be powered, or an ale, I c 1, debit to mom uwrnrn on your amoudk.olga Unpaidrarestbepooaaed.ToteaMudWailedbyIPIC b low, we way dos, nO r$*d ocra, - '. l ado UP11ter 1111 AW-mem (1) you vpbp any of h dw rase d Ids AgnMad Or Secully Awmud Aaipwrrd apnswMS (I applaWl, (2) we hm deGmd.__ you is be In ddf under we terms of my other agreemrt us or any of yInav or natelw4 we drumilo to you made any the , regarding use of. ft aawwOwoouK or or erwise we aarbyAt you b oeldud?a, (4/hR?D?eMnr?p or Otter fnw-q? ate rAam or inIneapdr>hMQ. any&*bNd you bw re` youR on' sila as dodemd (or kg any y' defw by applicable WO, nt you offer swyouMy notlardgM N uge lmdalydtdmm?fnd wit be to payY+pp Iderie6 Mona ehigyrstI end aha)er pgicardb tlr wrws d ask AgwaaN, fndu*4 wry apptabr daeWt mr, even after any judgment is obabed. Adrbiimally, we arey, at our nor option. (m) brit or not *Now you to male my now yachasa or cash Varsardrm on your a), ) inflow your n 0 In, in , pwymuft WM such made o ray be required by cop o?a low or ( rdyaef b Ire knildi lea Of pplwabll law. dose yrr amiad(n) and dMrnd ymaM of the wash oudoMhdIng belonce plus d alter smmnte asp under the rinse of this Assam A and the Sam1p AaoudAtalgwceMt A/rermd. To h aril prHhaird by low, you ON to pay us of of our awlwt court me s. colleclian agmen wont abffwlt bur Pahefhr per to in agomey who is any of our or abdbn d My a ' on us under d°k of Agreour somployses) ement. You alloc lea In the Al rea to1 pay us as of our actual maw sal was flea In ngiNvng your ads. Ahduding any cab we nay by haft yrramou t pb* M a mooed isL Nothing in Ito pomp"ahol be wubhred b wake or Impede or right to require arbitration In aomrdann whh the Arbitration P+wblon below, Account Clown and Susprisfen of Credit Privibip: 1) We nay. at my tm% wNh rwhh"cfta.wbrvi/muladvaanotice, andm g of theaddencer PeeaenN sua OW spend y? ? pObW under MkhApwiwd I we cancal the swot fsa Mme to emadrley decoy as cards and unused avant access dodo. Your Obligation to meta wW your other oftwor s ran gas Agrdewrat untrue in lid saw and o rto amount Is cdmww or your ands prhgw ape tampeell' orpannady suspnded Conodasonn Of fix seem rhdfr ww wy or PNMW-d nopnabn of onda pm ag? win not alod our ready Interest In ?am.:...SaarA?Aa?nut?I.e ?atlef?rourdghruud?rtMSeaMyAotamIAal?htawut ce fees, bender fees, po?g dmgr and any owin You am rpparab7a-bas Rrra aflame d at the fine you request a cbahn d h amour! i b yew request to dose h accent. 7hk may our amount after you how requested h mount ad ha shady ban doled, the swirl will be dh in this Agaeor ard and the Sacwla Account Icebb). For wrap* I you atiaAm s purchase e the doge from in mordant alter your amount will be mopMed, h mud of h charge, wil be VA be responsible lawrarwn under the term at y Account Ankmanl A~ Cd apWiaap). one we mew to be target. to he eslerrt U are ands award tuakahce has been glaold In Poll, ova Is reopmod, a flaw aanbership fa is be ?d how. wed to terminate a )sin aggknhrers a ari aueh'orrNd true nmas to h ammA you must coil our dsyymer Ralatos department sad roped that NmdpMon. Iranadie" erawflar, you agma b tlrbq hd prom's adfa) and do" errs um used amount aotese chide In 1st poem Possession. w ray bur o y is to allactlw date of the rrneutloa of 1* pemm's Kew to the account The amount v A be charged, and you and any accoOrtholdes VA be responsible, for any mherges nroumlr the use Offing IM aooart 61r h hid aacounthow or aAwnd user t aoou b h eNac6ve mate ol l e lemiabn ewn 1 h dirgesdo not appear m awed uA s err kne. If you re unable to destroy to Joint Of to the UVAed account moreamra adads r In Raaprim's possession, end you sal our CLoxw Rartme depranrd to doss your amo rm, your aomrrot wit be dosed in accordance.6 ins forap?' ng raps E1hr your OWW tla old ar, drober, I any, may apply Changes In Tome. We may add b, amore, amend or clenp my pod or VV41iM of this Agrernnt mcludng the annual pow =M= nd any c:h1 egr Ncluddino adding ruse PwAdme of Us sera or a as the noti powhiew dl ouch amrdn?id ar_d) arlagmyy *a If we do to, we will giw y(o?uu It ad by Fedmill bar or Virginia bw o the feted ad pmrrpled by Fattest I* Woe we had p wAm*- 1Ied the grat the am" ou nfi Notice will be mdkd?b the bir W1 aaddne Ydaleern?siaoo lot the amount. Hmwwr. no Roger wit be I'm pmvw* had you that your ahmmt world he $Am to such amenchroarrd r change witIumOTrarata balenna fare the slpdK dine a a cchh nge, Mwill W odal of rd t MIMa Indrda tramectoM talletl to the amrarl balm the dirge date and wbWw r not you maim s b use the amount Changes to leas and Other charges wll apply to yew account from to elbcave tar of to chrps Oowmba Law WE MANE THE DECMN TO GRANT CREDIT, OPEN AN ACCOUNT AND ISSUE YOU A CREW CARD FROM OUR OFMES IN VIROAIUL This Aoashamit Is to be construed In accordance whit amid igasi d NMI Curhar oommea w daYp hp?igclnb bw n ldreat g11rAaa'? OW to all sholat of casse IhM mdis usWm of f 0 Who Artie of Amarla or Oda?idt?mo Rim ee of the Comnhenwalb of Vbglnla to On rights sad duldow of The pr1t, This A?msaeMt la nude In Vglab. R v M be govrmad o* by Fsdeal law rd Nnsida low (b ur aNud rd Praunprd by Fadwd Iaw} If a coat deciders a 1e Mlaraa a pall a tltft Agnewenl, a llgreeenat wfl tkM load n N the aseniouceaila r Invalid pit were not there, but the romaNnl pare will remain in effect Wafers. You webs h right b few" ratio of my welwr of delay or preaMmrrl demand, protest or diehmr and any"you may hew to vaWlm a to p weed against mother pay belong pmoedlrr?pp agaiW you. You also waive, to he a lml permitted by applicable b* any »teida Of IrhRetms dome trMaddVJWWPotosidlhr*@ dbhappbablbtrlit-' period. Loo Of Sbsisn CFft r Account Acme Checks. N your cad(s) r loam ache dnalw are IN or sblon or I someone era may the nip Ism aeswn your pemWfeq nosy ins at once by callrg h rlaptaa masher on the tack of year oath ad or, I d ower tlatgrueMCWarhi mwbr am an h grant of your Capit V 232A wB nos to W* In any al m?ud? forr dr aut ? we dryo r' cams or mom aoai checks. You agave to 1d us at once N you char" your nMUt Adana, rlaplans runt er r ummpbymard. You pone to ghe r wdrn notice of any In your Mg addraa at teat 10 days bare the dogs Clrpa my be w?TErh In de span prodded m Z; lWma oauuporhobnm of ymr perdu ataNmrd or be xd b h addrpx Ce*p0ra, P.O. Sr 15, Rblanond, VA 2116, 5015. N your aemmt Is a 1*1 swoud or t mar ton rhe person le parcelled b we It you agree ht ON maws regarding the awoud moy be ant solely b Ire ah#isas shown co our bPbv records, Coamu*m m. we may release information to OheN MP*Q the Iwo or hkby of your smut as at bah In the Caphd On PMacy Nobs, a mpy of which has ban prodded b you. We may male Inquiries of hid parka r oonmsctim wllh meidasip and m- w' you ammmaht, and you euhft such bed Area ID MINING Inbnnabn AN you to us We or our repreanlalNes may cooed yaw arm time to tins regadp the account or b ask for addbrl imbncealas ghoul you a yyocour sspairwi van a Caphsl One' You pra twit such outlets an not unoclidlad, lea rot bnasd etcopt as rpmay MFNW by aappppllwtie b w andmay rauRRom wind bbmlellen you hares pared r ht k adabed crow aver mu ve. For esampis, we hmsy contact you at your from or place d anplOPnaK dwip wastage pory ??hddays. on your NOW Nleplam. recorded manage, bw muaaoe rpp= Emechime saq&r 4riiGd by amglisbya , we rMy Monitor or record any oak sap mine or make, suppress tlaHa bMlRraemn samosa and use an aubnserd dW" and Mnondng aura. ARBITRATION. PLEASE SEE ENCLOSED •ARBRRATTOM PROVIMN.- PLEASE NOTE THAT THE TERM AICLUO® N THE ARUM71ON PROVISION ARE PART OF YOURCUSTOMERAGREEMENT. 0 2005 I One Serrim Inc. Capital One Is a federally registered service rani. AN rigmis reserved. mr;=hberrssMW In MX Wbdlefumed Md rqua ro an amount doshxe You aqgareieee b do*w ON ads and hosed account Owen ahedo, cemel as prulhorred Ollie ,._.- ..?--.-....-+-?,-'.?._- _-«-.., . ..... . .: ....?____--...Tall,,,. ..._.. ... D318-17-0305 ARBITRATION AGREEMENT M-75733 IMPORTANT: THIS ARBITRATION PROVISION IS A PART OF YOUR CUSTOMER AGREEMENT You and w7 agree {tai affher you or we may, ai Aar prlv's sole b b l d fi d 1 Procedures and Law Applicable In Arbitration. This Arbitration P i i ti i t t t t t In l i e r d y ,, td any C e ne etow) Election, 11q am Its bi di btr t rov ransac on n s on is made persuan ers a e in a vo v ng f r ral Carer and shelf be rned b bie under th Fed r v t ng ar n a on. ce go e a en o oa e e e kblk Lion Ad (Rio 'FAA') Oveslions about whether any Clam Is IF YOU OR WE ELECT ARBITRATION of A CLAIM, NEITHER . subject to abWetlom shag be resolved by be oprefirlC Ibis Arbitration YOU NOR WE WILL HAVE THE RIGHT TO PURSUE THAT RT O BEF RE A J A M D E R JUR OR TO Provision in the brooded wayy tmay We edaced, consistent with Ua l l FM ntl bA Dlt ID l P Ta bib i l N I IN COU O CL U G O Y PARTICAATE IN A CLASS ACTION OR ANY OTHER a on lcletmso t ma etor w a U On ear app rov y substantive law eansiM with the FM and applic" statutes of COLLECTIVE OR REPRESENTATIVE PROCESUNG. EXCEPT AS Iksl direr , but the vatidily and eudoroemwt of any class adam waiver SET FORTH BELOW. THE ARBITR A T 'S DECISION WILL BE O R I ITHER RIGHTS AT YOU WOULD N b a gtresiten lor a cart d coonp era kuhdfation. nno tt an arfetntar, to bir i llh lh d id Th itt d FINAL AND B NDI. TH HAVE IF YOU WENT TO COURT UCLUDING THE RIGHT TO P E A L , To bl MAY UNITED OR G O CONDUCT e Er s m May awarat any eumorict or a or re o perm ec e. e by appicatill: mbftdn law (ted WIR mal have to review k ot d:d Bre pparagr IN d 'No Con p o p or s ARB [fR ?? I tsa l ? l and d WITH 11111111111=81111 MAY BE HIGHER THAN THE FEES obligallans of Orly this named parBa andd ardy with respect 10 the ASSOCIATED WITH COURT PROCEEDINGS. CUlms in arbdrall The ruin and ppppppedduna of tar Adminletraar, l h i "I b th h t Ad i4k hl i Pro Definition N ' ? i ri c mt you mi o w ta n ram e o on Navin t e l l on Th ?? ea n ce mrisian (klilli tlas PProvision ), t aitl on p pUipoous pu t m h i ll t i I i i i Il'a is ArNldion-Praviodaan wi The arwalou 41 r? l apply b d B h P i b nadd o def ons a et n IMlovrkl0 dekllon shi so* bon to n t I= Comm Afire mere ('Alreememl'} both y, an c Ar rov Yon shdl not be subject to, Da iaaaon Weral, stale Or local mules of procedures and aylitim tat would apply In any oprt, Or to stab of 104 laws tat fellte to abgrabat 'Claim' rune any clairx conboveey a diapue at any hid or mature re b procoodings. You of we may Nava a hearing in arbilodon. Any bit sitmd n Ereact vAl IO 1 donhmrin let lec t d etween you a us A this dolliffA A kdoda,, without "anon, say CTarm that in i p R p ar r g you a 0gi On ea in the lederal juddA dW*t But i udu your taetaerown NRing my wayaraese Nan or rehraa to address of etsame olherpkce upon whidr you and we agree. YOU awe • lw Agraaaut and any of is Wing [including any poor agreements may be WW by counsel. I you or we mou el, the arbdtsla will u belwaat)ou and us at between you and any other onto from which t d Kona ch ms at privBea recagctad wndm appliable In and will use t rt tfd t i b t t d d t ff h th w f ti woe salu yaw acearrp e • sea mbitelan "Ifin (Includin will thcr an Ciaim is subject o roug e eer en es o to g u s on (m ng n orma e to of rotala orders) The arbitrator will make an mrif In Wan g y Is arbitration) p . g y and. at the iimely, retywst at either party, will provide a wdlen warren • he aiablishRoK operagoo or termination of your account M n moms for Ito ame d • dldosnraS adverlisemerh. prrmdiore df other commiad?rons ' b your a amsel, ehah r gay oonared belee or sear your ON opetnd Costs. The party niklinp arbirraon will pay tlw INllet III sg tee. You say soh a waiver of tla kdtlal Mingp is of ury of the AdHnisftslua • am bareaetdr e or aaempad teru*m Involving your account • l k tr t illi odor furs WhEdlively, 'Adidnistetal Fas-) now m r applicable l f l hhk et f d any b ng or cWWJ ata maiars re g o your account f •anypoligdkalgttieraklCLrditgpayaaatacadis)1Dyaradwrrd ru fs o w m ua. I you seek bar a rto Wallyfor, a w vn we will crosnfermy wrihnrequest by uforustopaydrelmhtrseyou • any of service charged to your arcoura l h h W d t l for 01 or pant of Ike Adminisuialurb Fes. lire also I or ekrtfutse i li A l ll A l i our ot er C • any orea arge isseme ees, o your account or IN, akulation e you ora of flat a dcnWgmm Dw ardkaler dehmn Fen nes ame Is good reasonlor us to m so. WE will pry any lea and cash no s' pradeift servicas or benefits nsludme related to or misread In ort rs a an Iosutan debt ur er z ere required to pay by Im. Oth wilt end a cept as provided In this A r reemwd and ill he ll dv h d t o f y yo u g i , a cancalUfionor intended service contracts and any prograns.rebates. g , y we w a a our reepo e e an cos u o s (Including the AdnhdshlotsFenand the Ins ad costs rWr to awards. swaepiMm mmbenh?s dseWrds a conporw) whdher r l d i d i d dd hd atlorays, winds and wlnesses). regardless of who reeails Allocation ill t f i i i h or p ue , a ov r or no we C , ntro uce Dwm •norwilt useor*w sndawk%treloneWyyaCujoiymrmmtn ther m9n is slin to our a ount a taterhshl with us • o r a ees and wets relal ng to appeals In arbitrat on w be hwtded n t e suemmnwc g y p any O cc y t fe . No Consolidation or Joinder of Parties. The arblbation at any 8. ThisdOANron also hrdudes, without AmAaffaab airy Qd nr. CWm most proceed on in Individual basis. ever l Iw Ciahn has been W is ao ? ?Itm aa d rp in m i s on, torh p action a e ? mv ?a ? ? ? ) cta erc p mai lr le i g I idd-may c f l a other reprr e f col leck ve action. LBt parles le Of l • ro e{ or damage (Indur g annoeyy damp b s on in Ikay o and erg term of speatrc pakmanx or iglu dtNin, declolory or r th it bl l ( refther you nee we may Ion, coreallfts of othewin bring Claims related to ben or mere accateds Individuals or axaurritold rs In the bA Al t G e fa O e equ e I a • basal or any at lea or B?UI{y (ncluding cantad tat, fraud, e Isi n ID ? Iupwort oranatCa of wr 1 am or same ob wL so, u palm Con wind fission you not we am a may pixie a class arlion, privets alianey genera) Retain a Oa1C reptairewVa or colleCikR action in arbtedM, nor you of we " i I a? YrhdI1R nag)fpen! edteas or Monfion asp ith an • ? i d b b d da h th ith r . pursue such actions In Court It arty peM tar claim arbl Mon. You will t l fo h i w ea y my XCu a e y yyoou Or ore co et r mm ng roug a w ou (Ion, ludk fur a Co4 liant or uaAhaaed lord ou ermum no g ove e r t to ad as a peas oepraataft or participate ea a rffta of a l nt d laim an h t t Cla m hi y pp y V . Your agent, your repreaentahva, yeoman Ora rum' lfaiflallpleyl • for which we na be diratiy or Indkectly liable under o y thea c ass c a s r t respec w oa o my m as c arbDrston tees been aloft. y p, nl Including r superior or agenq (even itwe are not piper d nt tar Dm th CYinn i d ) Judgment, Enforcement, Fnalry and Appeal. The arbitrators d ill i fi l isi d bi di d i name w e s ma e •tipwinadntmclalatmeyaiuinthohrWreregadlsoofxfanthe fads and cir ive rise to IN Ckkn o r n m tan es that h d ec on w na n tga trl n sai rteut days utemyou awe seek in appeal ofIbis award bymlkinoawnllmOwedtodoAdlnlnhieft, Th l hd h u ill l Al t t id cu s c l ccur e or w e fhecuknatxnad e appea t ators, w pal . w v consis a raubl er all Cons la7tal and legal isaua snow, will conduct ire splint In the erne • made as pad d a clam action. onto atcnrwy gateret action, ordawr manna a to Initial Evaluation and all mrko deefsions based an the reproom a lve or cOtlsdhe action which dam stall proceed, an an ndvld db t i kbikai h k f ll i In P i vote of tar oajortry. The pmars dedston will it Ind and blddng. Any fd f lh F i i i m n ase or ham u y on n s on. rovis lwarb ra on o ec s ssubject to jodou alaaMtbeappeal " renew only as eft bnlh trader la FM M i eard In orblbation will be Arbitration Administrators. One of the following arbitration aribra bte under the FM by eery toad having judsdidica. aiddsbAw (1drombinafar or. calkcb*,, 'Adininisietors'l will admlmster the eddrabotr Mlsseltaneon. Walter, BCreralli ft Survival. t you or va der nd elect arb"m or otherwise enlace this Atit anon Provision, In 9 co In V r 1 20 Mash SL, $te. 3011 connocim wfttN Thal a require arbitration my alter Claim, h s Irvine.CA92M4 Arbitration Provision stall survive (i) suspension, tsMlrefflon, www.jvamk.com levbtalaL ClOwn achagRal Ilya Agreonwa, yaur ecou tafd you elataadep with us; (i) ifw ba dmilitcy or Insolvency of any party, and American Arbitration Ass'o 335 Madison Ave., Floor 10 (I11) any transfer d your occur al, or any araoCmts owed on your socoua, to say other Person or arsily. t any un of this kbtraim Provision Now Yak, NYlDD17.48M is deened invalid or uninlorcealik, la rnraning portions of this vnvw.adrag Arbitration Provision anal neveMekss emit vaild and it face. In the evens of a coMid or incoalstaay bsiween this Arbi rsaon Provision Rational AaNltrallne Fa rem and s1e 7Uar Provisions of We Agreement or eery prior agremfehL Ions P.O. Box 59191 Arbitrillon Provision slali govern A photocopy at Other image of this Mirimpolh MIN 55405 6 Agreement and related documents maybe used in place of the originals wwwaIrkm amen.com for all purpose including Iltgation. You nay COW IN of the Adrrenishratas to obtain Wormatim ® 20M Capital One Services, Inc. Capital One is a ledaaly registered "A arbitration. arbDdalon rubs and procedures, in schedules and services mark AN twits nservad claim barn. Section and InNalloa of k6f'trasion. You or we may elect arbitration under this kbtration Provision with respect In any Claim even 11 la Claim is pat of s lawsuit brought to cast You or we may main a intlon or request In came to Wnpal abikaCwn at any Claim brotai Wet of my hwsult. We will sot aktt or hdllRearbtralon at any kin braaht in a afar dlUms taut far tlw medi alenil, m low as the Claim nsnthucran.'smada valithanaianindhvlAUm most fallow the ruin at the Aardnistraters to nitiale you inikeh abtrefick you may choose one at Be am you rust met us any notice Muffed py me la P.O. Burr 85550, Richmond, VA 23 5550. f war am wewill dross ene at the AdminLdmft and we 41 Wks raked M the Administrator to your lasl?iaewn r. yllauvs have Iniflahd arbitralkn, we will chino she IIifrxmrequd tlif ?e d ? us in "Oil at the above days any notice we tend you of mud EXHIBIT B 5000 16 *91hL Capital One" does credit cards-and then some! Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. LENDER FW w8ae'M M your waxet7 FINANCE PrawkK a Balance Payments i Credits CHARGE f Trmactiom New Balance Minimurn Payment Due Data $494.72 - $15.00 + $31.56 + $241 .99 = I $753,27 $19.00 Jan. 16, 2009 Nov. 22, 2008 - Dec. 22, 2008 Page 1 of 1 '• MasterCard Platinm Account niAY +J.7 li Ilfel IH: axua 5179492-7t334830 Payments, Credits & Ad justmante I CSI DEc CArm1]•C e01L11-111 PYM- AlchBae 030 EC $15.ra Yarn Account Mfomttaation Tra wdlons TOTAL CREDIT LINE $750.00 2 221i'3V rSECUMCC.ILAI•W-MURPA. S41 .rc• TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE Fort CASH $280.00 3 2214OV PSECUMECI1AI-lCSOUiTA • 54150 AVAILABLE CREDIT rOR CASH Sow 22 li']V Br -31L 08M49 WCCI V%NCSBM,3 RA S6-1O 5 23 Fi]V I IUIFRY PARli0- PI AA X- YORK rr, 515.90 6 2/ low vairricii mrcc RNANCECHARGE SIOA Fnanx Charges irkrosmsem rc mtsc fornporm: infano:ioni 2x lir]V 0 G?STI rri ,HT EHD rEE RNANCECHARGE SIOI{ . 2x 1+W r E0nHC SI ICCM RCr IbJ4CSBLrG r1A, 530 ct Balance w. rerb& Ckxw on(IN FKUM 9 21 WV TURKEY IILL i02'0069kcCILANUSBurft3PA 513.71 applied m ram Arfi CHARGE 10 2x 1•P3V 1S'Cd r. iRKETS A99 SID r ,I IA1 G TA S114-59 ruchares .^r^,r A3 O.O P 17.55% $55.46 11 251r•]V SIEI-Z 000MWI1ECIIAJ-IC0LrsGPA sex'• Cork 53-11 0.05855% P 20.99% 58.10 12 25 F771 was 6wd-JLCTS#IgoSi D kcCI1AJacm lrGPA. 51672 . ANNl1AL PERCENTAGE RATE a401ied ltaa pried: n05 17 X, 1074 TURKEY I IILL XR40 (in MECI WiMOUrv3 PA S"CUDO 1? Ox DEC SI ECZ 0000a;1B3 rvEC11Ad•IC0LFtG rA $4 71 At Ywr saNoe - Co:o n swap naraocowc 15 11 DEC Grdir rec0 M GSWP I ILL PA . S6111 vatt•w3503367'-enp?sks:orscancadorwm&-.oQm*ma 16 170rC SIICEZ 00]02Q36[CluaICBLIr pp. S4 52 R'Ir1D"e 17 18 DEC 64.U34-%LD'S f2x.':L r i7Q-%MrI BLLPA . S169 0 Pay Onane a: om or mdrorprmaa::o: 18 19 DEC TURKEY I [ILL A W C MICI VdiCSBURG r1 58.78 C One B". LISAi.ILA. •P.0-Ba7IW-Ckakrs,.IIC 7b1ke e 19 22000 PAIWIffI'MirCC-M]I-It.8BXW,a'f3Dc VA Send IkKIWlae to Your eccoun: hn qwe over is crack §+, To wdd ad baelmrorlnt Lees. tou skoall pr• nom :f ea Caplan Dee P.O.Bmc 302175 • Sat Lela Cte LIT XI334M le M60nan royTkw.• rleooe pm, ene* :o brin0 Viola omow. balance bd% ;'q0 credl: 8•d: inr• cimey. and nake rum ymr accoer. hdanw renaka bebx %w coif link. rtlaae be sum :kc anoaa: yus pay aemm kw en- tuame pamhoses. Lees. and finance enlarges Haw a glreoaon abod a charge on your doiammV , rlesse refer :o Ae BBkq rit" Samary on ite back of Yar a:erwn: or:tt vmwxWtakahemm.ift :es PLEASE RETURN PORTION BELOW NTTH PAYPAENT OR LOG ON TO %%W.CAP1TALONE.COPA TO MAKE YOUR PAYPAE PIT ONLINE. Account Number. 5178-0572-7133-2830 Due Date New Balance Minimum Payment Amount Endosed Jan. 16, 2009 $753.27 $19,00 PLEASE PAY AT LEAST TTISAMOUNT 1 5178057271332830 21 0753270015000019000 !!9035868292588977# SHAME A COOK 651 Y LISBURM R7 APT 7 MECHANICSBURL, PA 17055-581.4 IdPI?u111lLIIIIIhIhlllldhnrvlllrllllrlhlPllllll?lln Lend a hand. Save the land. Manage your account online today- it's fast, way and secure. Pay nn:lw a,y: me-me mw clucks, stamps or ck.:!er. ® Wl -Aw Omicje. yrnur addrrss rnhw m ?I!e hark ® 110p save the pl.wl Go poperless 8 S19n Up at -1MW.Lapila1;e4'e cam Capital one Bank (USA), N-A- P.O. Box 71063 Charlotte, NC 26272-1083 llllllllllllllllll?ll'IFllllllllllllllllllllllllllr'lllllld?llll Please rnake 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! Piad,cts and sdrwcri 011Md by t•w Capita Oro fa•ri r of canpanics, dtdlyd rg Capita Onr Bank (,.W, V.A. and Cap tal Onc, N.i.., mnntxrs FUK. i ,.I;ric n.m:Hll>I:P:.r .l a.:nyrJr :::r.+,.?far. r'. +».. ., .rSmi•'. n,+- ... .::.f.: LY.. :r.rrn. m: i. I IOW 10 AaM A rkWM Charge. aGnne Period. You Inb prone a rail n 6mee pedol O 25 don's Wtb= wain Change on neW Mimed+nea• edlrce 7arrtls, aexapcrl pincWed ar new oar dtMgr r}ro11 papyar:OJe'rrw GMarf',M acc«tlasre xth rid k•Reram Ko2*U pyrwa eeww,ar r :YSetor t b se crow/ Dr }ou pnreR due eds. -MM IS r grace grew a ertt adwmm ON Spaerl7Mrer.I120M14 71190 is ed !race period r any-m of .bk r you do ar peV:he:1191 "NOW oakum." b.Acofarg rrsgoe Change. Toalarlaa %Mi are w mw.-.0 a gra prod so redred the ce cage n -Kin 711 date tae =mae: bn «ri ,ion 711 died lye 7arree:loh Is pMNS<ed a y«r AMMW.. or Jon -ion -.ae 'r: caknal rdgr of lye nm: bong pdod.Adab Jew. F you did ar Pay7117aht CMa W"M 710P WAM M" rend a ta. Mwe etrges oilfnrM:O aanw :o Vow to Pam hwer"IWMWMilpW mmm In Pon r trTtli MUM :a yon r'ry rMOW -MM" eMR)es, even rye pay 711 N-J* NOW Darrke rested on 711 Kurt Wyograzeried: by lye paprwa. duo dare. be. dal ar do so'«:e P WIM non-L UaPMI MNKV charges We added :o:ne aPpwbr Moen dryorACC«r:. L motion raunra Charge. r«eath erg perod aa: yorreNa: In suhea a a law" change, a Maim .WAI INANM Cl MOC r 45030 wMke HPosed- it-Tengxmy R*dUM l a Ftlagoe Charged. yt rsenle lye Agh: a r named; any or e'rare changed or Wy C 2. AYMP OW ?DOWWM lndWOkg NOW PLKMUUa rManot cerge r eskt=ed ay rwW44ag .e dear Wadi 0' can 5"I'M o•yara COW.. 0.9+ tacit MKW-, Piaaa9e. RACW neat and E"dM pxyacey by :e c« raided" daily Adak MV(S) sat has been Prybrlr didefted Aya.A::he end of ere any during :he bong period. W alyay 711 dry Pei lock are -or ftdl setr am ryara "ot:07w dry b"We a each &0d MM 'urn at :e and r :W brag prod. W non ¦P :he rsNa «aeu Way cats - -.0 rhr at your 1 arrac! came breaM regrive We add Min -.be r9 Ma -IM can it"rnlR a erad a lye -.Mopm"w 1naI1c1 CWrJd roryoraeeonr_ TO gat lye Wrr eaanct'or each Wgrwr of yoraec0lr:, x19 .Me 711 begrnay bM" for aaca adgter. Mid as my new mn ardins rd any Period r wrCa Change Wdrw0 ed 711 P WMA days bMrce IN-tat segr e-.. M! afa subtor. MY pyl r «cNdt9 pS:9d r Of -dc day :r: M agoccr :o sat Wgner. Tar own us:he aeparte den,' harass -or edchadQwr. ciprsomw wwrr.ryce paid :e New Chace sndwr on your pryer s:ateraR Y Y Biel' gar Ww bobw wed Mm «a peat arrri.nm 7auacJ=. 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A* And OrAbN- a a7w code o tdaaY prt' % r iNorcltE UC•3ry. «D i rasirr LCORy apPeaat a lye fort o'•rar rsened: nw :o711 prdodlc milli, 1.110 penotift met and COMM11 M11 ANNUALPCRCCNTAOCRA-C9rayvrr rwa:tk non ra'r rrmmo of * W90 rued on 711 rasa IM ones, an loved In T90wrL7ef Journal, Pas -te MMM PrvburN dbdmd:o you. Thee Chances atoned Mlc7r! a 7wrt: did r vain bard period oath mrit. d.Arrrn BM or Lure. Operrr and Reaaned Palms reed. urw-"-. mr«yourcgg-.wws@-.'wd imme7w rpk -.wave «ao: Mares[ W. TM taa0rr Plbr a0:1'ba'Jr soya wrJNrwaLim our OEM sues lie MOM orstiew teat r. • wer7rw. 5.LIL7btlY4 rite Mid Rer&VMM YOMAmotkd. 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WWI yon prvide a chat. r payr•enc yon raorte. an erhevo urre bbrra:bn'rn yourMeet -.0 ore s om.1m Maroar •rw 7arer•W'n }rorarylor attar. «x Iloctar :e ppr'Ite r a nett :Nrarba.:Nlea we np ranwtbn'en Yorceek:o rate r errlorae'n r 7MNW. -uns ray ueWt untrue -1«9 ydrdepor stt«N: a9 goonr 7w riw anywe rcere ympgwwr ar vm xis: roelve yorchetlc loan tOln yourrrncrl rsDtke.Yaran7wrnrJOa t r tar ty7w Y7 on :e cbw.--1M1e ray rsYhnt sM aarJManay cOrC Wiffltd P%TWr.L 9-Denlruploy. rYa M ed7Jed:0 baelwgrey p rwbm -or yorateolr%inCWW%mLYJOn ronlytwra ffWz M idspoML 1: r am on &-wV :0 t0er, rtes or ie"m a dem OF dMIM Go as Wad My PWWNZ MK4 .0 w 'without W&MyM xth W49 WMP%%' STOW 01110 61diumiKey cUr..r Lou xr: a coarw. US wory'oor nocoldr or yes Ion MpnY Armand g, prone hrwyour e-orwtr c .W. Sly. MLMl-3 RF3IM $Uh1MM f red Case r crbN or Guerbr r«c Yotr W Y}'oa 71st your bar wbag, «r 111 need ode ranRatra on *-.MM -JM rbRxM M ra• MPWatt thW. M 90MM posWr 2:711 aOdMa arbMWM Shona on 7119'loM o'715 s W leat. Kt roped hor'KIri you no lwerar 60 de" new x'19 sea. you 2e 1W. bed on warh:n "Worp"Ier ePP11red. You can Cat our c=orner A"Wor nurser of"is by errl rwome, au: doing W'wr no,. pesere your rips.N yoar ride. ow an 7e aa0trtag WorruJOat your row and attar. 1 W1W 7W dear arbir. Ulu Mrpred Nw. . a de": bn sae erioram an eyr.don.r latrlr, r wry Von beMMe saw In an tor, «F you need rww bra rrkq a UWW.Dn Of U en yon M onto it sac. You do ar new -o Pry my W WW. In g d97a tote we an Mwml a7lg I:, be. }m M:w Owed :o per, -.e pMa oryour Ma sat we IV. a Q W CAR Yrtue xe rwrsgate your gwrzn, ton Carp. MW }oa r dlrlpn r71rt sly aC:b11:0 cOtec: 711 M'IOYatyOn gnestR • LpdeW fLaeTOrCrdt Curd Penhaned rya Yve a ProhNrn 7a:h lye yway r pepry «atnL•aa :M you pK• ASH wrJh a Curt cons and VDU hwr71ed Y good TMdt a 001W. a womm %da lye rierehw-you nay hale -he rglt w. ' .0 py"rnMrg Mwrb due a ar properly r CerYkdi You hre7ds Ktrowioa oleywedn ad pxaddif pre wed re90 aMn 560.00 rdlye Inwile !ism risk In your 110rw a:ate «xthr too roved «y0r17arq addrs.a•w! WWI or I* rwkar; rr"rmbd yap -.e rxrYawa: tr:e Plop". or seNkM rp tht we eMood ngraes r W oMt rkleadr a pnCae6e.y Prone rrwr W W eMa r cadapononee. Ma6. xal" D bud YSL Boom Captal • ne rppon rbrrw:bn pwcy pr«dc3o11: We our Weddle a wwecaPlabse.con Capper •319 r • VdmaW of Wered seNKt ntrt o• Ca" One rlrrmiso Cow a-mm Al aga7i rLelved. •;. 2006 Capron 010M6066 'CAI -1.03.'26106 Changing Address? Not quite ready to make payments online? Address .......................... .._............. .... ........... _.._.._.__._... No problem. Follow these simple steps to make sure .... .... ............. .......'..... ...." ......' ..'.... ......... Home Phone ........ _................. we process your payments smoothly: • Don t staple or paper clip your check Lo Use paymertL slip. Alternate Phoric ....... _.._........_..._....... _.._...-.._....._...._..._._...._._. _. E-mail %. DO ' Be sure to use the payment envelope that came with youf statement. Using a different envelope could delay prucessing. Address ........ ............... ..._..._..._..............._......_..............._.._.... . ('lease don't include any additional correspondence. Please pr non. acd•rss or sham numbe• clmges amic t,si-g blur or blx<ir - Last but not least. be wre to write yDur IC-digit account number on your check. 50D016 Capital One' does credit cards-and then some! Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capit.alone.com for a complete list of products and services and to manage your account online. 12Y 61N711?i LEND FW what a Jn your wallet FINANCE Previous Balance Payieents ti Cmdits CHARGE Transactions New Balance Minimum Payment Dua Data $753.27 - $20,00 + $10.68 + $56.64 $800.79 $18.00 Feb. 16, 2009 Dec. 23, 2008 - Jan. 21, 2009 Page 1 of 1 MaderCard Platinum Account 517605M7133-2E30 Your Aocourtt Infomtalion TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT Saw CREDIT LINE rOR CASH $250.00 AVAILABLE CREDIT rOR CASH $GOO Fi11a11Ce Charges iTlewc scc roxose fornpornr. iMarna:iati BeIarmwe r'erbdi• Conespornirq FMLINCE appii d -D mr APR CHARGE I"uchaacr. M_B 0.03237. P 15.0D% Y5.110 cash 53#139 005178% P 10.90% 45.38 ANNl1gL PERCENTAGE RATE applied this pviork 16.99% At Your Sertke - CO-OWA&ELdwam a raaaga'Aaraoaorc or Cat 140 9 913 36 3 7 ro lopr. o bror rAm cold or Womk :o CLcosar Palcbnu 0 PayOnliner. orwaii- paean.:o= C (tea Bra 111SA.1. ILA.- P.o.Bv 7IW • Ckakcs. I IC 23 '2.1161 Send btqulrks to: Ca" Ow P.O.Bmc WM • Sat I"Ct.. Ur 6LI334266 Hare a question abort a dwp on your dabo erV Mass, rvfm .o :bo ONNnq rAt"Samary on -e back of your carmen: or abt •ahaaaptciomxondgmes r i.W K Al 1rA%l lHC.y.EAna Payments, Credits & Adjushwils 1 1?!'H CAPr!1Lr714EC(4LNEPYM-AuiDacl3-JAJ4 $21.00- Tru saeBons 2 1ri JAIj SIEE-7 0[00=. .ECIWJ•1CI3LfcGPA "a51E. 3 28 JP14 SI EE-7 007;1X., WCIIN-11COIXGf A 55.19 A JAJ•I PAYMENT PrcOTEC-03-1 WINI tom: $7; 6 r ,I JAJ4 7y'Erwmr ME JAJ121. 21W S? 11 ptt You aDMW..Itasgoneam kscredit i•d_ ToamW addi:pelemi•tk km.:ou sbouUpa, nom :hao ike I ini un P'a rm- Please pQ• cnouo:o brMp your occorn: balance kim your crr& at. inrtcdta:ety. and nake sure yoar accoar. balance rensi s baba trour cra.f Nni. Pbase be wn :he aroma: yos pa:, wcorrm for om, t me pectei . bon. aed inane rdnrges. PLEASE RETURN PORrION BELOW WITH PAYMENT OR LOG ON TO WV,w.CAPITALONE.COPA TO MAKE YOUR PAYNIENTONUNE. 1 5178057271332830 21 n8nn79nn2nnnnn1AnnL Account Number: 5178-0572-7133-2830 Due Date New Balance Minimum Payment Amount Enclosed Feb. 16, 2009 $800.79 $18.00 PLEASE PAYAT LEAST TTNSAMOUNT !!9002268292588979# SHANE A COOK 651 Y LISBURM R1 APT 1 RECNANICSBUR6, PA 17055-5864 I111111111IIIHI1r1dvllpll,llilp I,lII1NI11UnIrlIr11...III Lend a hand. Save the land. Manage your account online today-- It's fast, easy and secure. g Pay mmw a„ y? rw-rlo n-rxr checks, stamps or ck.:tor. WO injs ChAvge yrrlr addmss rnlm o' m the hark eNc•ID,arcthcplv+ct GoWPcrless 0 S,yn bp 0I,.rA%rw.-,aj>iLa1LsrC coil) Capital One Bank (USA), N-A- P.O. Box 71083 Charlotte, NC 26272-1883 1111111?I11?rII111?lirIIII111rrIIlI11??II?I?III?11rrIIIIIIIIrIIII Please rnake chocks payable to Capital One Bark (USAJ N.A. and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. 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In WrJN Were We M rerJONS; Y be: YM No sy ObW#d :o Py I* 1Wa or VW bill yt are 1r IN 4 Wr-NL WNW We f?ror4rr Yar geesin WP CMW raw yes r derpert ran wy Nrau :o toes ye rbNryde quKyxL . 5WW Rule for pPdt Care Putman ry"NeeNprO%W11"-.bogmkwpoperyora* tw yea you pflctKN Wall a CMt Wt Md yde have-JW r good am a COfr::W f robbim Wry y rlrhr:.pu rum War -M rlllr. Rf.:0 peY7N Ilr'Irr11g erewt dire a y prOpH#'r senses. You leaeyla pxmeJa owy WNr1 ye perNae prt* was r ww yM %moo aid -M practise WN rude in Van hrle are or WIN IN too ran ayour rvwq edewn. Mire orm roparce7e r•wrchr_ rrure newd you -m admaraaner 'Dr-M popery or senlxs• Neputmrr we eaw" mpom f taut or beat" or pit "No.j. Piano MI M~D aye N CONU Dn"me. • GIaL MW erll f 10 Dus ,*;a F•NWm s Cepal'3de Kppor a terra:M platy p ..aCb1: sN our WN1M r WWW.caprabel.COn Copal 13110 IN • bONW intewd 5e00100 rW V.O• Copal One rrW W W COWM:b L M &px wsNYaf.':•2We Caper We 01Dkr(A66-.9A6 C•03.8696 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 Lo Lhe payffWL slip. • Be sure to use the payment envelope that came with your statement. Using d different envelope could delay i trucessing. }r- Nease don't include any additional conespondence. • Last but not least. be wre to write your 16-digit account number on your check. 5COc0e -hke'tsyorr.,adet? It could happen to anyone. Make sure you pay the amount SHANEACOOK due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS ! do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES 're You behind a FINANCE Previous Balance Pa lmants 8 Credits CHARGE Transactions New Balance kiininurl f ayrwl Due Data $800.79 - $0.00 $11.83 Jan. 22, 2009 - Feb. 21, 2009 Page 1 of 1 MasterCard Platinum Account 51754IM24M2M30 Your Account information TOTAL CREDIT LINE $750.00 accotNr. b pas: dse again M:hc TOTAL AVAILABLE CREDIT $0.00 i CREDIT LINE FOR CASH $250.00 AVAILABLE CREDIT FOR CASH $0.00 Payments, Credits 3 Adjustments Transactions RnMICe CIN9948 ITk?escc rc,coc for inpor3e inbina:bni Balance re:. (arose rmw pomp FW ANCE applied n ra-c Alit cHARBE M DOS. chares i4 .06 0.0-10% P 15.m% $5.71 Cask 5341.1/ 0.05178% P 18.90% $5.48 ANNWLL PERCENTAGE RATE applied this paria(L 17.1141 At Your serwft - Co:off a rarate Aarancore. TQ.p or Cat 1.100bm33633 7:o repo: a aror rAon sad or opookv Orcomar Pikkme 0 PayOnInOa:; oredtorpomen :o: C Ose B" (USM. ILA. • P.O. B,x ,1W3 - Casks. I IC 23 V-7-140 Send In des to: Caphsl Ow P.O.Bar Mffi - Sat L" Cte LR 81131421E Have a q uuaon abort a charge on your stabownt? rinse refer :o Ae Ming fi4i:s Semri on -J* buck of 4orr s-wen: or sit. ,nvwjptdane oOrL4ops:os BETTER INTEREST RATES {good credit could mean lower interest rates) pNPROYED CHANCES TO GET LOANS ( APPROVED FOR when you want to buy a home or new car) Vi -709-N (tar .4r.^'rrr, l.rr. C.rOlA!! One it c,?!•G{rr7?r r? drlr•ari al?+:r m:rri'..ia r i;?F:r rrA'r:,W. PLEASE RETURN PORTION BELOW W1TH PAYMENT OR LAG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057271332830 21 0899050020000077003 Account Number: 5178-0572-7133-2830 DLr Cate New Balance Minimum Payment Amount Enclosed I''.1& r. 1A. 2009 $899.05 $77.00 1'Lri:Srr%.?;i Lr;•..9 TINS;JIC'Ur #9005368292588974# SHANE A COOK 651 Y LISBURN RD APT N RECHANICSBUR6, PA 17055-S&64 .1. 1-11.11-111.n.1.LI,1 11. 111 fill 111111111. Lend a hand. Save the land. Manage your account online today- it's fast, way and secure. Pay onAx+ spy! mr-no P.-m- the ks, stamps or clr.:tM. Q W,4n:ly Chswgc your address ruin O• on the kmrk ®Irelp.arcthc Ply,ol Gooapcrlcss L b9n uP at •,•AIWLaPilWOfC Cam Capital One Bank (USA), N•A- P.O. Box 73063 Charlotte, NC 26272-1063 1111111-111"1111111111111111.11111, 1..II-1-111-1P-111111111111 Please make checks payableto Capital One Bank (USA), N.A. and mail with this coupon in the endosed envelope. $86.43 = $899.05 S7 7.C1 Mar. 18, 2009 •:?:•rl;?r•::•: .. :••I:?•:I^:•'n'Iir••rrr:.L;..,:r.c :I .: y,:.?:.,;T...;.. . ,,:.....,.,..,,- _•..:.,; ,- : i. •::.; a• -• , :., it r........,: r :::., :T..: is '••:r.f : y: •?. r :. 7rsporon Ibix Youraa»ar:wasDes dec.Uadcr hr ems' wepomiousydiscloseda:rou,ify ncx 12 btiq cycles. ;rou:Ssnralf crccn?gc recce b:d'rmj rtir: 'Our rnase, 1 16 rCD f'r1.°iT DLL rCC ,glr ?{; ^ :1 RD f'ATT.LIiT f'riCTCC-V3•I 1?352T?: g0 t0 3 21 RD ?'CrtutAr r¢ rCD 21. 2CC? 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Ybu hrrr Ifs prmerba afY7eNn:W purchasepee for now yen SK00 rd ye pachdee was rude In your bore ire rwra 100 rom or your rury addom.(1'we ourropend -mnerchm.rrweunlit you 7M ed+axMr loupe pmpMrg or =2 aprtlws eovrab ngrmecc r rprm rrrehdor.i P1lrehae am, mnrrdlera ALAI r Mfaalrn !nee. Lbrd lx OMY p b s mri wax4,x ca" •380 rMOra k#O'a7w1 pvaey p wuiclon:she our wrtste a wantesoldow.con Cap of Out ! a ldery 1"I :emd!ervice ran: 0' Copts •3M nMntud CoMorh7N. N dgby PMNIM -?20Dt Captha0ne .1o-teoJa6p6 olokreos6 c 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. Usirty d different envelope could delay prmessing. • Nease don't include any additional correspondence. • Last but not least. be su re tD write your 1 6-digit account number on your check. GROWING TRUST. WORTHY. BANKING. With one of the best savrrxls rates among the top national banks, you can trust that your money will work for you. Visit www capitalonedirectcom Please use olkrCade DKGBF57DF Direct Benlung Please see reverse for importnrt disclosures. FINANCE Previous Balance Paymantsti Credits CHARGE $899,05 - $107.00 + $11.58 + Feb. 22, 2009 - Mar. 21, 2009 Page 1 of 1 MasterCard Platintan Account 51750572-7133 2110 Your Account Infomratlon TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $2SO.00 AVAILABLE CREDIT roR CASH $000 "Finance Chaises incase see rexzc br inpaar. idomo-Joni Balance we r'erb& Conespondinq FMIANCE applied m ram APR CHARGE Purchaooc S543Dn 0.0:3295 P 15.00% $5.59 Cash S344A5 0.05178% P 18.905 V.99 ANNUAL PERCENTAGE RATE applied this period: 15.64% Pub Yarn Serrloe - Co:o n n?ya orr?ooac ar Cat 14W,043363' :o aw. a k: or %Wm cad Qqui. A Cucoer Pakcrra 0 Pay OnHnea oraeftwpaawo: yl Om Bad rNISM. ILA.- P.O.Box'1ae3 • CMltrs. IC 1MI3 SOW kKlUde$ to! Cm0at Ow P.O.Box 3021 • Sat L" Cie UT e413014012rii Hama q uecyon abet a dnarge on your datement7 r'lea:e Hite :o :ha olirg r.yh? s.r.,.r, on ?. tuck of ;rorr a:cnon: a •,bi: ?wrptabnemnidkpexc NLINE SAVINGS ACCOUNT . eld 2611t rcentage PY) 0n balances of $10,000 or more* 530273 Ml3YIrIIER MIK Transactions New Balance Minimum Payment Due Date $46.95 = $850.58 $20.00 Apr. 15, 2009 1:iw WA? Al IIA,1 1W AL _? Payments, Credits & Adjustments I 1T MAR. rii CPEDIT Orr[R $30M, 18 L1:,R DIRICT Dior PAYIXIIT Y ,00- Trarmclions 21 UAre PAYrMiT PraQTCC-h3141-&?e35Z;-8Mc a; uy t AIDE -YvTR1JUr rc: UAr 21. 200.9 533t•Q Your wcoun: has gone osw is erv& Fr.. To woid ad&Iseeloraini hR you skoutl pr: nmr -An ire Mininen Paystcn:. Phew pa- enough -.a bring :mur oocan: tuck bclav :•ou m* iv inrxdi:eFi;, and Hake wrr ywr xcac balance mnaim below :roar csnY[ Ent-Place be cure :he anoam -yw pr, wcoars for ant fuare perehases. Jan. and Tinance charges. PLEASE RETURN PORrl0N BElOWWITH PAYPAEFIT OR LOG ON TOWWWCAPITALONE.COPd TO MAKE YOUR PAYNIEFIT ONLINE. 1 5178057271332830 21 0850580077000020006 clva?' Account Number: 5178-0572-7133-2830 Due Date New Balance Minimum Payment Amount Endosed Apr. 15, 2009 $850.58 $20.00 PLEASE PAYAT (FAST TINSAMOUNT #9008168292588975# SHANE A COOK 651 M LISBURN RY APT D REC HANICSBURG, PA 17055-58164 bhnhlnll?IF,1.1l,tII.IU..EIInPIUII.II?I?LILII,IntP111 Lend a hand. Save the land. Manage your accourit online today- Irs fast, easy and secure. Pa} on:i•ro aryM rrrr?nc r.-nrc che:Ys, stamps or ch.:;n. Q W10 Angl ChAiyr. yrwr arldrecc rnfine a, on the, hark ® nclu satin the pl v,cl Go nwpcriess 0 S-ge Up al rA,w.wpita:a•c corn capital One Bank (USA), N-A- P.O. Box 71063 Charlotte, NC 26272-1063 IIIIIII?tII??llltl?h?lllltll„IIIIII??II?I?III?II??illllltl?llll Please make checks payableto Capital One Bank (USA), N.A. and rnail withthis coupon in the enclosed envelope. C -;; Direct Banking Ifigh Yield Online Savings ttOney Market ` AraOraK Rewards Business Moray.0 nudity atprkei On CDs Open your Online Savings Account at www.capitalonedirect.com Please use Offer Code DKGBF57DF Capital Onea Direct Banking-banking that delivers. •xs a' w Rim if tic dally halaw of f s mrleY roadet almunt :as S 10.000 or mode, the APY eras 2.64Sk: if less Own S10,000, the APY ty67 1.M. Minulrrl initial deport annount is SI. lernls and mrldtions of tlls offer may darge at anv fine. Elates are vafla* arld nwY MEWER 0a111y9 arany lira. W Ihoiarm* by onli•t lainlm aiP loroad it six par taknear m ith. Ns Padua is wlklno by 01IL-11 0^t funk WSAI, NA, and III?/e (eptW (Me. M A. rremper5 Far( :P 209 (op tat One Cep 4 One isa fedp 6ty regme-ed serve rrraro nn rg•b rew. wed M IC M: 1. 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MW -.0 rev My aDrw: In t g:w Whole 7w as Nlac:yaylg r_bu: }rose M r.N Ob4rN:0 pay .he pro oryour ba our are be: a 4Ma'rbrt Wood We "Metre You gow.tn bee Canna wpw.. you r deiqurt or we an' wim -.o took. ye amour you iwerin Speda Rule IN Cfedt Card Pwtilrr t•yoabyeaPO" Wits:beglaeyWpNDp"waamtw :hour 1W pllcMUe Wm a Cadt ONre Mop tau nwre7wo w good ism n Core. y! prwan Win :he rordiar-you my iaa:be repr, sou :o Pdyrie wnawaq snore odes on ye proptn'r uN"L YOU hreris prvn.loa ONY WMcn ]se panyKO Pr" Wr nos yon %WOO Mod y< pracbese Mac rose in ,our horn are or WHIM 100 r om ryourrvNag Grass- l-we =a or gate io newhor.. orr We maid you -.he adwrxemr orye P up"y. or serriom me f rtiwei at to"" 1lIpPNlSC Cr mart rktltlon r puteale.l pkKe mmembern aye a coffupwaarte. •3100 ?1orrJFly p kK.Y:a A•mlAllr Ca".3m ippon frwroyAl plnn pr%tw1orme our "Date r WNUCryaau.con C" M Obe lo a *AewW 1"Imsed salmm mat 0- Caput One rounded Caps rtim M agar r1sHYW. 42000 CaptaOne otD rasoSa - -1a e t.03.76A18 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 Lo Lhe payment slip. 1 • Be sure to use the payment envelope that came with your `/% statement. Using d Wferent envefupe could delay prucessing. • Please don't include any additional correspondence. • Last but not least, be sure to mite your I &digit account number on your check. 0911kk 50016 Capital One' does credit cards-and then some! Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. 12t msV ?? FM M. rrhat'a JTn goer sswilet? FINANCE Previous Balance Prpwts8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $850.58 - $20.00 + $12.31 + $8.34 = $851.23 $20.00 F.+k'ty. 16.2009 filar. 22. 200AG - Apr. 21. 2.0_9 Page 1 of 1 MasterCard Platin rn Account 5178-067WM2M Your Account Information TOTAL CREDIT LINE 57SM30 TOTAL A,AILABLE CREDIT 5c!CQ CREDIT LINC ron CASH $21XkCG AVAILABLE CREDIT roR CASH .SO.cc- KUM PA''X.W TIIGAM0LLT Payments, Credits & Adjustments r...rr cartr•La?olas,?r,la-:+.ui,ITCI:r• Transactions ii "J'r<. r:1'TI•,IELTrrcCTEC-b:bl'-?'ii::iiT+tlC „ Finance 0Wifts rrkaoe oee r.L*c. *or nrcrnr irrAna:kni B --axnrA:e rmirxu Comnf.ararj FINANCE arrlkc L ran Arr. CHARGE r1H7o;u C.CY-094P i:.Fill. %.f•• Gast :2i U6,78%P IcECA. f6.? ANNUAL PERCENTAGE RATE applied this period 17-369 d1ni At Your Serrloo • ,o:o r. a.<:aiabnca? x mare w rcorrc or Ord I41i %Q.3t07:onrar. A es-.ow%mlm cad or q"m0norrr Phkbrs ® PayOnlMoasairutNre.carorrrtarpruer.:o- e6atk. iL.i!i LA.•P.O.EYa: ill Sl• elarx I.? sr-_ 10 IFS! Smllnquiriesto! C4:1-AdOrr P.O. ew 30N6 • Set Le.e MF Ur ae 131r1rIS, Kama question about a charge on your ctadorrorn? rkrr? rrka :c :fc+Gprv? r<.t?t:-.?c.mArj cn irt:rk ct?crr ....:encr. c r •, iac wain ?cptalclxmn:??pLxs 'I cur xccun: hen qxM c!ef to crc,= &*- Tc acic wd.br31c',cdn1 `ao wu strA.tt rx; m rc, :tor 301,AnirTLnra,T,en:.rkr•ererconculh:ctrirl:curaaxun-.hobrcetc•Ica':cu cm.&.tni: k•rrw-&-.4i mu:nrkoaro•rcr.rAr.cmr.bbaxownAytokw;orcrcditni,rl+rcntc iffc- r, :noLr.'µra:xccurro oron•:fuvejxp :x: 'aro ardllrnnx r?c•:. PLEASE RETURN PAIPnON 6ELOWWTTH PAYTAENT OR LOG NJ 70 WW4.CAP[TAL0 NE.COPA TO MAKE YOUR PAYTAENT ONLINE. 1 5178057271332830 21 0851230020000020005 r Account Number 5178-0572-7133-2830 Due Date New Balance Minimum Payment Amount Endosed May. 16, 2009 $851.23 $20.00 PLEASE PAY AT LrASr TI is .MCKIt•JT !!9011268292588978!1 SHAME A COOK 651 Y LISBUR.q R.D APT L MECHANICSBURG, PA 17055-S664 u,lll.l III Ill.- III III I -fill 1.111 Lend a hand. Save the land. Manage your aaount oniirw today- it's fast, emy and secure. Pay a 3no aryl mr--ne Prove chmis. nampi or ck.:Mr. Mck ;ngl Chaiyr. ypur zd&,c rninr 0• n! Thi., hark B 1101 mare the planet Go palxrkass O 5.$a by It .n,,..:aLHt, a'c kepi capital one Bank (USA). M-A- P.O. Box 73063 Charlotte, NC 28272-11163 IIIIIIIrtlir'1t1II?Il'IIIlilir,llliilrrllrlrlllrllr'llllllll'llll Plane rnake check, payable to Capital One Bank (USAF, N.A. and rnai with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. 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C•redd mwlw Cwdt Cart FLw11a6M 1':-06 rat o rJetler'1:aJ• yr gebw o• pb{er..• or sir-•tvs :ha sou pkitltf6 will a cleat ode aJ sou WeJW ? good um a cores ye pocwrl %-n ye rier" Or,wu nn• l•a:e It rgrr. ra -.o p: rile wooing awuc des w" Wo"r• or wr-'kfL veer rime rift pv6rbr Orr. ;.yen If PLK+u Pace was rsow yon Umoo wd it prone sms node n :bur 'one sloeawtrr 100 rom oi:oLrrim ikkom.,l•we rroroloo ywr•1erc1-art.wrt:rr•a?d:nu:'e ad'xrhaxr. or-l* piper..- or ser:keL orp+ehases Ow ea.•ewd ropki 4i w wmm orwcda O PLK+h .: PwMe wMnLerm sir M cornrwrear". '_-O. UN m'!-Ira 6,a.V;5 zcR w error •:» SLgvm "Wim-i n ram. Flaecyw:ue ar nostemwe.ca rL ite.con CnrJal C» s n ttJ!lrlr: w,t:ewsl tK:lee roil. o' Ce1rIJY are rrarksO Corpobarl. le egl•:i ester--•6d. •; 20DE COptar-:ne -CAE •:10&11066.1 -03.26X$ Changing Address? Not quite ready to make payments online? Address ........ .... ........ ................ .........._..._....._..-_......._.__._.... No problem, Follow these simple steps to make sure ...................................•.........,.......... Home Phone ....... _.._..._..._........_................... _.. we process your payments smoothly: • Don t staple or paper clip your check LD ufe payment slip. Alternate Phone ........ ........ ....... _._......................................... .... _.. E-mail ?.? • Be sure to use the payment envelope that came with your statement. Using d different envefope could delay p Locessing. Address ........................ ..... ............................... ......... _.._.... v- • Nease don't include any additional correspondence. Please pr n- acd•css or Mow nunlle• changes a3ove Lsi-g bluz a bbc<ink • Last but not bast, be sure to write your I&digit account number on your check. yASIkYR CUP It could happen to anyone. Make sure you pay the amount SHANEACOOK due on your statement as soon as possible. Keeping your credit in good standing can WHOPS do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES ' BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) a; 2!x19 Grp:6rl (n)r. r;vprb:lOre it r iir(oFL?r r i rnrd wren: nrn.k. dIi ::j (? rcrr::d. FINANCE Pmvioue Balance PVFA& tsB Credits CHARGE Transactions New Balance hllrinun P3-r*m Due Data $851.23 - $0.00 + $16.49 + $86.97 = $954.69 ;,Ar.00 Jun, 15.2009 Apr. 22, 2009 - May. 21.2009 Page 1 of 1 MasterCard Platinum Account I r•:: I,.. 5175492-71332M YourAcemnt Information Payments, Credits 3 Adjustments TOTAL CREDIT LINE S75CW0 TOTAL RVAdLABLCCREDIT SQ.ce Transactions CREDIT LINE r-OR CASH - $2130.00 1 1c 6 aY f AST 111E rCC $; AvAILADLE CREDIT I OR CASH SC.cc :•11:!'r A VYT =+Cf11L'r rC[: vyT I ;•Ci4 • -.r iC FirmceChargesifkV Xerrxru'urinrUn-r.w:arno-kni BAL-dwomx- fnrbJk Cow-rcu*v] F&ANGE alGtec z rat ±PR CHARGE ryrVla: to.. CITY-)% C .•5ti 10Y. Cast 4' -1 C CM-1A C 2,.'9.: !65. ANNUAL PE RCENfA(2_ RATEappliedthis paned: 23.15% ACM At Your SOrd W - ,o:ow a.ca*Awenn x nrop wsr ccouc a rod I4r10F(XX'7:o man. a WCs nDkl tad or q" -.o Orcorr Flkbrs 0 payOnIi0enmec Nbre.roror retwprrer. o: Cre6aN.rLS!i I.!_•P.i•-Eb: ilia(!,,?ab:x I?: ;-V-103 Said argLAROs to: =apirl Ore P.O-eox 3026.54.. Ld.e Ck LR V 00426 Hare a quosaon abaa a errorp on your WAIDment? PkrrnFC44:c :tnrlixj PljlaSvrrArj cn •lnt:rl. cf :or ,nxivr-. cr•.bt..:h-rh •,•f421clx•mni?:tvxa Lrd:s-.am rrc-rblat.• d bec:tid -. i';iu. *ini Grail icur7r --artiiiilW Rn-i-o 0..rrzI hax-tiiil iu rsrrs: • Fce jl]r.r Arrd.r: •axx. r:r:.'rw :,alto In :tn ixs: ':• t AAn7 c,r.lr., H ;cm tar.. hac :drr•:..;• iic'aac outa+ucn:xiralcia ic: eatt:iditc &uicn c :he hxenocc rtca Renu tcr:Kwe h?^te >aLr nNnLn rtor:AF; p?nnt: cn 1iYi `rr ';• orr-.,caie tit? r;otk :No xoctar. xi tc rr-.•iaen:'rrh Fe•-.tin rr-?.R:e •;ur I.or-Yneuu:er, ?fR, Tcurwacmr.hxguracntiocred.IrkTeacI,:aa7"ctednkico:eu:•tcL x;rxrtar 3ebinnLn(ar7Yen:.fkxepcr 11iu?1:itrMr cuaoxtr.tatrec.t&w cucMe,t.Ni. Inrraia:rty tax:rv?narryca.tamp,rt:JrxxnrenAirtr4cx;e.rcrnlEMna,ftrrr•tr•aoa:tr• anoLr.µFa acoctna rran; fuaac pI Oe: am ord 1IR.1^d1- ?Yr?c'.•. Ycu wcr• a:aa cd a ra •: arc, kc t? -xoc nwr niw un F??ncn: wao ru r aicc ty ix• dlc c :c•. Tc ;•.ntt -I+ Ra F ik- Anra •ac• Kxcnrx rd IL.: xi nbx x. kn:: ? t-r Frs tr c ter yrr.r nWn-.n r2jTtev-x text CatF_tlCnc. PLEASE RETURN P?RTIAN SEUYNWM PAY7AEHr QR LAG !NU TO LtNr.4'.CAPIMLOHEMPA TO MAKE YQUR PAYMENT 0NLINE. 1 5178057271332830 21 0954690020000085008 r Account Number 5178-0572-7133-2830 Du- Cate New Balance Minimum Payment Amount Enclosed ,lilt}. 1'• 2000 $954.69 $85,00 ri r:•Yr:*: is-IrivT TI Ili..'44,.I II 1- It901426829258897511 SHARE A COOK 651 Y LISBURR RA APT A HECHANICSBURG PA 17.55-581.4 111 II..11.111- 1P11111.61..1.111.111111111.if ln. Lend a hand Save the land. Manage your account online today- It's fast, easy and secure, Pay maw art me-no more dwks, rumps or ch,:tnr. o Scoring' Cha•ye ypw• addem en1ine a, car ihe hark fe llop save the plivvt GO popcrkss y S.gr Up at :n1w.,api0IC4'0 Cam capital one Bank (USA), N•A- P.O. Box 710x3 Charlotte, NC 26272-1083 1111111?t11r'tall'It?ltlltlt..111111??11•I•III•II•'lilll111?1111 Please make checks payable to Capital One Balk (USA), N.A. and mail with this coupon in the enclosed envelope. whars in your Weyet7 !,LYJro® LET'S TALK - WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One;, we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955-6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. % NAnI f •,r1,r:,rJ 0!r• f .,rr4r: ()a: r,.1 fiTlrrq;Y,• rvR,vrrrd w,; ;r; ?ia,•J•, .ill rr),d:ri rrfirrx!I. FINANCE Previous Balance Prpwts S Credits CHARGE Tra rsadons New Balance hllninurl Payneni Due Date $9Pi4.69 - $0.00 + $19.76 + $88.03 = $1.062.48 61 C.C. Jul. 17. 2009 Lela,-,,- 22, 2'k'-Q -Jun. 22, 2005 Page 1 of 1 MasterCard Platinue Account 51784UW1332M Your Account Infmmatton TOTAL CREDIT LINE S750.00 TOTAL AVAILABLE CREDIT Sacc. CREDIT LINE roll CASH WGUO AVAILABLE CREDIT IFOR CASH SCtcc. FinaneeCharges rrk.oexrre<xtoe'anrernr incrrr_:kM B;J;axrrAY rorb*. 1:arrc-{cncir) FDANCE •rr &C z r.A? AM CHARGE rlrchxco CAM..'9A C cte ti'7.r7 C.st SSde c On-2,C ?.1 31. ANMJAL PERCENTAGE RATE applied this period: 27.15% At Yar Senbo • Co:o sea c e,iabrernrs v r rep mhracour ar Od I-W4(3X?7:o tea. a Was svYi cad ar si" :o Oucorr P*kbra 0 Pay Onlim at sv Lgz kaare.c or or ws&xvprrer :o: •?aP? •CYe 6a,1 ,LdA.j I.A. • P.•.. Boe ? li J3.7etr: I., ?.•li3i 9 Send Includes to: Caput Crr P.O.fiat 9i2a, • in Lot* Ck: LR s' 13iu X Hare a qunton about a charge on your stalorsenra rkrrrrckr:c lrMjf}31-.sStrnwicnletAckcf;c,r ..::caner. cr•.irl:,-ptoknemn.-d rl ,:ca I;.r.:: I. ..-r. ;.. .I•.P', r r.I rl•rnlr -r -r'' -iI Payments, Credits dr Adjustments Transadlons 1 IS.UI. rASTDJErcc .,cyt lA. rA'Tl- 3.TfY4TEC-IC 1-1'riraTlir.C1' Cx:: ;•i ,l?. ='rQLk'r rCC .lJI. ;•;• 7li?E ;-.r, CC Lr6:i:erml:rcrtaatdb&-,cd:c';.u cnea21 c';curArrt:Yrcrinmy-f ob?rf6jh.A:•tcii incrtrrr<•frryT,Lr:crcrr.::xrra,-ou•irOi,iorxs: itifinge.;r.tn.•N:•u r rAx IL-..r Akr;A:; incrct:cc outoc?uctr.Mnarenciesonrrck-diledLgienc':hetcrc=ccKwo.Rentsrter:Hake rca•Le,cl,r n WnLn r "Jtr• Mnen: cn :tie'a ' owoecAe taw,g c:ta :Na mccurr. xIT ti. rc,+*N 'ar A rc•stb ra].rr s';ur I .or4nacor..cr; AT`R • Ycu auun: It= gaa net to cr.,r. iti. Te acic ?uralc: ednIt 'eto wu :•toLt1 rz; ncr :tor is biiiT Ln ra',T mr r k-.=. rtx• encugh:c trM ;cur =cun: totrcc• telcw:e ur car. lttt k,rx,iA:r?/ mu: rvl c• arc• •;xxr mca.r: tAba,ro ranAlre tckx ;ur cvd Inca rtrrr• to arc- :t r .noLr. •µ r.•,• a:ccun'z 'a m fu-wpL dwx : `xo ird Slanoc. d=W... Ycuare.',a -dr.',Trerrre-zeicncuoDw2wna'tccigtk-'or tenetsutorak-'iar=ww.. r c{:Ix rrrr.. d•yrn. r rrr, nc r. rrc x . icn ngmrxn; r :c lr tm a e,grrFrrac :n ctbb ks' v en: rk. ccotS:cnetdage Berm Servbcoa I-EiiM?7+'ti=x sxH;curstm:kit gLa?cafertctmlo. Tcurauun:iotlc.:r:o.cucnw;curomc- •Rite:•LOrei,acrthxheo9D=..r.o:cuc. co •:xa: F ;ur ra,•ncs,:rrc:r+rkn "ccrw% Ycu:eer.• .sa••oscd a ras: ,arc ke tc - Loe'ia.r n h*lLn py xn:'*= roc rexi w ti lle dLC c.:e. Tc .mitt:ketireHoare.'t.akccnncrd-G:;cuib.a-. k.o:7to•hwdxokrjarnW to ra,Txn::c re-Ad CArW6-no. PLEASE RETURN lMRrION SEV.YN ATTH PAYMENT OR LOG ON TO iM1iV09.UP[ AL0NE.C! PA TO MAKE YOUR PAYP,EHr 0NUNE. 1 5178057271332830 21 1062480020000154007 Account Number: 5178-0572-7133-2830 DLI- r:•ate New Balance Minimum Payment Amount Enclosed Jul. 17. 2,10i'. $1,062.48 $154,00 ri :,;r Ir.•:CT TI.. V4 I I r tl9017468292588978A' SHANE A COOK 651 Y LISBURN RD APT F NECHANICSBUR6, PA 17055-5864 11111111. 1.-1-1 rlldh•Irtllrl..,111.1.41-1111-111-11111 -00 Lend a hand. Save the land. Manage your account online today- It's fast, easy and secure. Pay ani•xr my.. mr-no n•nr• chrks, stamps or ck.: or. ® WMngl Chancjp yrui address rnlinr o' on The hark 9 Help save the planet Go paperless © Stgt* ?p at :•n+w. WpitalM'c c3111 Capital One Bank (USA), N•A- P.O. Box 71063 Charlotte, NC 26272-1083 llll lll'tl Ir'i1lll?il'IIII11Ir,Il l lllr•Ilrlrlll•11•'llllllll'llll Please make chec s payable to Capital One Barn (USAY, N.A and mai with this coupon in the en dosed em-elope. SHANE A COOK 1. I kw10 mono a rlhailce CIL'rge. a.CRCe PMlua `bu rap two a r**%n grate peM o' 2e OWI V.%Ott V"e &fdge or r" Fapt 040SAW. Casa amtn. l'evrs{ects Furcrotn 0111 rll.' otw dirges r :a rM::YLr :r.W'FNr: C aa'Ce'.In ncconlcea taM• tw lnporm[ Ao:L•efor rO:roms teAxt.aN a 1rw Ta r A be CIFtp k• :mr pm:rwr. due Cna. 'I•Mss h ro grace Ferro or cash Or:aCet am S['eclp2hrs•ers.lr adctAX. hew Is ro We F*fW or Or. hrtnl.ror r AU dO W. PO:'tw:Ma L.. enarg nomwe ch&W. Torswices ra7kh ale m si. W. A a grace Ferbd ca assessp Incoce Ctarto 11 'ran'" dEO a,&@]aMirlin or 'am ridapri :!mat:Dn h rr«eSSW a •:«rA-: x •lOn 7r Oun. Or W. cabrleadm: ari eLrer. L Wg P"N.AwebnOL. r' AU d1414r. pa: IV 'Had CDIWW M-J*PWIOLs MY PMW a to 'r.VM MUMPS OMCVSe -a actme :o :ttrtrr k LeAwt LrJ"* Lrpall ta0rp aPmu r 'La This rivers -.t= ra rrar slaw Ymte Ctamel. e'-erl r-.OL rcr:"arse row. Cal rite r1erRN on to 'Kit o••:ttrs-.Zenef: L.' to pATlr. eLe da.e.W. die roc Uo Wcirl•e pR'wLs,sort. Urp k arraCf CFOr;es aw aLRd Aho OFplka,! fags Mr a :YLrAtCalr. C. arlretn rswr" oaf". r«eari Lllrg sere! 1a: ':ttroccow. K "keC a s Vas" damp. a Marvin :MarrrL.HM CI L'dt•:C 1 1.60.60 will be Pirates c.Terporay rtstLrxn M r1nowe charges. 'No -le 00-. a rM stint Orr: or al VWCe t1 Mft brae: I-en L ON rMgL 2. Nderage DaW Calaste gndtrlang Now Purchases). manta trope h Matta cad t•. rxlpLTg to List ILraree o' earl' socri rt W';mr accoLm :e.g.. cash .a4vite. pactmse. VKiDrmrs•x Cods". pLietaSe: LOW -.1-0 C«RSFOrdWK alp.' P0i1CLOC ra1:t: .. Fat reel' pr:wLSl: dhdaW A:a. k :M em m am* ea:' eLlrg .he Lalg Peaos.rR OW;" Cal:' pMWW pap -oreWh sMrYT. O• varamout Ahe ear.- Lokfto m am* tgnerr- -Fen a ri one m to Li'q perod.:•le ado Lr :M tnLM arise doL eoftblin :o MVO a';G r pemanrar" CI.ORe •« loth segAer_:\e rla LP :Fe RsLn •ron eetl• 5grrrc :o aaLY a ri :tralpmare lrmrce ctase'«:YLratca r- To grc ri da: taam'O, eACk SopW .a ';C%rMCOra-:tt AkehetOWMn L Mlrcp IN Goth segner Ord mle or., ret7:d7SOrbrrs ard ae: pe/oet Carte champ eatukted on ri pw-'bus ca': t Lola" Stir :tuc Segrler::Ye tw suLaw. Orr: Po-:rwet5 «ewdt5 pnad as Of t¢ LIEN ttr. aw MWMOJ :O tat segner.. Tth SLYS n tY seraLae IraIL' l:r0rte •« e1Ct segrwr: a :«rareote: IoraL'M.Y':a pow to hurt tow" SIw.T on Ate prr.• ohs s--aer71C r ta:ar ':OLf rlt7lRlMt! WCs rllD a a trUlr. a'gr:,nRY :tat'1Cdart, rallM per: A':ar rracFatp atptksl Wrturse!'rues aw hQ ML%C :o ri dam Latntei w o MAMMI Ce]w Wes" doh: laalr: OW" p ri der: I.ala'Cn agrtera d kir-UN :M SUM W ri nallwa he ar.'t h ri ttrwrc letlrnr, rxw. To cac4cte av:o:a Vlap claw. nape: •AUr Q'eae Ibr: lessee t. . arc- pMlale rap a s W to anent tr dRt rte Harr; rwwlL 060 :O m rdrr, or a IL1r: rams «dINA Mr'Ln wl:r'cr ctarpe atsptner_ :ten I1E.' lap a ?arlu" La7RK tYs CatLb:bn ad 1Y anar. ce Tact Marne Lt.d.1111; at"ISRL Changing Address? Address .............. Home Phone ..._..._..._ Alternate Phone ........... ................. ..._.........._..._...._ E-mail Address ....... .... _..._..._..._.. -' -"'- --- -- - l,Ylawl PernwAoe nO•.n Own?. 0. 'he :!'r1 Yell'La Pexvm'&ae file' rat apiswas `Apr:' or hpGM: tr 1h tamer., t. the cop P Lathe Party-.L ?nrrrR uPar-. c •: vararV CD. «L -CarMml PrFR- amen or •J•e,m Eta,.scene!: rG::o ri IMept ron•. he,a#"& leas Ord Conirchern 1111" l PMCchT,'ec RAIC:• ,lore Ness:' aLOtelri and rwt• rewae cedeerense tasee ce he SSnYd,Mtn. as IbLpd III The'J.'a1f:IK sOUrAL OLS"mmm Ptecblslr cafbtp :O :OLL TFOW chines WNIR e•el7a on :w 'K-. IaF' a eoLrLearn paaoe em:Med Le•• "~POOpC SYCHIM efarn In le ro"'S of lcruary.: fY. AOt' we •:Caer. c. rte cad D ma" v P".. r •kt«raar uc.:it•. or •: ''suss!,, LC•:R• aPPeon or "'Wt Myar vmerler: 1101C 10114, leflatc my-s-.1e Perbdk• reset aw C*rPn;Or,MW,SkLLA L PC,A:[MTA41C r^.'CS ro'r _ar.. rpr2•L• aN ro ,erode a eecRase toted a tae saYd kleleL M roLN ra TM'foa:Aie! loLrtaL pLS he Moran Pw:'DUSIT eterotee:o •,dl. TFtu eFlrewt :'alLe e11Cl.Y a t1eNS: eaT C sores Lien Passes eheF rxerh. c. NsesSerrrr: M tare. •:v[Aaa ens Re:uMm Poorer: roes. LedM:M:ems a yOLreworK06RerfR.. 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ID OLCON ri erN'.:\'e b 00 tit CC Ore -SW a he ax r• water. r:er r VU aw ra It derLL A SLSPtrrtror Cr -. .Uff Occout car to Perwrort or Invoirei. rtou"'C aF. h MOPOU «SLSWLJ". WU rut: tap usrle "Wes hit: cam and rear-yes Ks: ate cancer ON rooo-OfDee Ian ormt4oner1:oho aceor mwe:A ra do th Tor?'a.r vie CbW «;envw r•;' smeruw rL nvu : •ea r•Ls. 0&0 ditW all C" CORK m rear wens theekt.Y'tt r LV 5! Par at abut! Y% 06M Lt ce ri OccoLrc aYr r -'mere C+WW a.M ;W *CC%h: a cbiod or usiwwLi. --Mwkwg Pmnor :L Pai'rwrrs Ya nM:o in. rlbe mitec .OY%rattOUt at tr ri LLsrets Liar We recat t. Pm:kW •1- Ta. serd ri Won patbn a:Fa s-.acwvm ON. i:016 r0ock In 1e erclaW wrtmr" er.•0b1w Led 'COW rebTwr IS WWOO r arpwcetsrn Carer uy- l,n C' •1. race PT. Plato Aft S IgoL.'Pe-a• tusawst domes Tor Pnai d@W@W. P%Tw-.% weLp Le us a: rye Wter bco1n «r WY oterbm f W rM M Covered at m to dW -* wteLY :FM. •:if tu*mt dmet OR WNW 1'roLnh SMUId E'. eaeluernhoaks's- Plcasr pr n: aed-css or ahorle nwMle, chm9cs aamve tA'g blu, of Uxf ink &HmIee.Waa cw mae`Mek Conversion. YAW . 06 p17-'Ale a droo. as ra.TRrr. COL OL10rke is el:lYr:o us* rr«1ti:bn 70R'Atr Chad A r1LLe a we arse eRt7ot•r trw 7m-or•t«1 voLrdeplsr. act%r-. «:O pacess-.to;MT r. at a deck -.WSaC.br. aher ra LIS rWrUdw *xin voLrd'eckA rate or OlClOnk tN as race as he tar'fe ea:' WY seed-1t •:OLrpa.rier, ,ON . a W'Nro:wcN3 :oLrcl•eek Lock'ain •Aur lido M rSYtrlce-yowatorbEla h ra a1tW !she amY on:re creek. 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Follow these simple steps to make sure we process your payments smoothly: 10 • Don t staple or paper clip your check Lo Lhe payfner+L slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processiflg. • Please don't indude any additional correspondence.. • Last but not least. be sure to write your 16-digit account number on your check. .rlast S kL yow w.Net? MAKE A PAYMENT. AND TAKE CONTROL 1I C%11,r OF YOUR CREDIT WITH CAPITAL ONV Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our fm check by phone service or speak to an associate by calling 1.800.955.6600. 47.'Nlb'I r.4fu•tJ f ) . ?fN»rrr on-'! d r„/,•? -X0100.' Are; r,r uwrk A.7 ritigr hurt FINANCE Previous Balance Payments & Credits CHARGE TrImaedons New Balance Hinintn Pay vent Dub Date $1.062.48 - $0.00 + $19.71 + $49.71 = $1,131.90 S 1 AVA) AU9. 15, 2009 Jun. 23, 2009 -Jul. 21, 2Ck19 Page 1 of 1 M aslei-Card Platirxm Account 517340SM7133M Your Account Information TOTAL CREDIT LINE 579C'.OO TOTAL XIA ILABLC CREDIT -SUC, CREDIT LINE 170111 CASH =koo AVAII.AGLC CREDIT rOR CASH -sacc. 111 n3nCeChargeSir'Iraoc•oc-orr+a -or Inrcar.hianxicni BALwera:t rcrh,f ':ormsrcndi,rj FBIANCE 2rrlirC u rJr AM CHARGE NnImca !7 C.031-12% C Gr r S:. 2c OM--A C K.'5% iJ W ANNUAL PERCB[FAGE RATE applied this period 23.15% JT-h AS Yom Service - Go:Ox ...rwkdor.ca? A nLSge'aLramour. qlV r A 14- A1.Ai336ti :o era: a error ruin cad or Wet -.o'nwor Pakbrs ® Pay Onl.'toe-xsAmts6re.cororratzwprrerb- sro Be*iL..i I.A.-P_•-l,b:?H 0-Chs rs I.C ^i",103 Saw hmu des to: Caplan 1x17 P.{.eex 31173115 - oat. Lal.e Ch, LT i! :.I i05 Herne aquooionAMaeloponyour stoom ni rk rerafr-f :c ao0irg FJ I:s cn -In tad c1- or raxrxr cr,GI::Rd•.k +t:jCnc-,wcl&.-pLxa •,'•-I:•r.:: Ir..:..,.-r .:, -i --17:•17: -,17••-•117 -nr•r I :-,r: 1-•.A.i,.?.. .1. -rr• • .L .?..... 17:.17^.•rl rrilr• -r- -??--•ir: •.I.I,..._ 1 I•L, i I :::. Ir• i•. Payments, Credits & Adjustments TraramOns 1 51 ix r?:T6CI.T r RDTCC-M=1.1 'Kiv oTtF?2' S, •i,`I 2 21 mi. :,Ep1jL r rE[ .1JL 2' 2CCh :"C a Lrd+r-c+1717.. rrr-:kr.cJ; JErk•c?1-c ;cn ccnc-arJ c' ?cm?•sn.dfirccn?nfrr.. iJ.r'r•_.i h..xL'ctn iviccon tcr yoLIaccrAr..•,+rora;:cuc•:ria1nIcr_3:'2 tWnj c;cto-n:cur r.= haw 2k-,w; him-oc, . outw xn: a4rm--nck: ek i daj Jrr dLrTicn r :Ix iac rC rrea. R rnrttt cr: If -Ac rc4.cdc--P.rr1Wn1.nnor*. ;rvrTmr..cn: x.-br :•corsr.nic-tNiyjc,ch• :N:mcc,ar:,s1br rcib.4iti ora rc;aitk• re.Lrr -.c ;cur 'T ctr=u n:It= ' gore c,a to crock. at- Tc ack: ^,a.,F' :" clalnt «o. ;cu :•taHra*; ncm for 317 bMnin,.n r rtrxa , f1r;17..17• rrr ax n jl:c t* ;or Accon. tedrer. L'cacw ;-c,r crc,a. &+ inrx,trcdj 9t,:rL1e=o•jT,LraoooLr-. tabux•rrnoir. tckw,•clr,xuf Mni-rime tr=,-.tC .amLr.. a r a v 3cccw=`a w; tv. L, rakh,^-e%`ca. Ord1 so-,ch ge-,. PtEME RETURN PORr10N 6ELOW104TH PAYTAEdr OR LOG Chid TO 1VWN.C%NTAL0 HE.COPA TO MAKE YOUR PAYMENT ONLINE. 1 5178057271332830 21 1131900020000185004 Account Number 5178-0572-7133-2830 14117 ['ate New Balance Minimum PayTnent ArTnount Enclosed H! x7. 1 •, 2CrY, $1,131.90 $185.00 M r::u P;C' F:- I PM TIM is d.6'4ll l- #9020368292588975# SHAME A COOK 651 Y LISBURN RF APT F nECRANICSBUR.G, PA 17[155-Sa64 i?lihill'Ullhh'h'IIIPhI'11111'1111-- •III'hllr'II'rlll Lend a hand. Save the land. Manage your account online today- IT% fast, easy and secure. a Pay arow aryt mr-no rrom chinks, stamps or ck.rtnr. Q kRO,r;ojl CI"e yrm. a6lrrrr enliw ci, w the hark help saLr the planet Gcr paperLss Q S,ya Lp A :n+w WORa€D" C2111 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 1111111•Ii1??tllll?ll?lllllll.,IIIIIrrrllrl•Illrll•?IIIIIIII?II11 Please rnake sheds payabie to Capital One Bank (USJi), N.A. and mail with this coupon in the endosed envelope. SHANE A COOK SHANE ACOOK We've LOWERED your nthly payment ,9.S f.,.: ..'7,r r:• Y riq. , ., ,rr.e •.... ?'.L•.?.i .i ,., ,n: iJ; .in'nr:.. ,,.?,? 500207 Keep Your Monthly Payment Low Thanks for your last payment! Your past due fee is waived again this month. As long as you pay at least S33.00 this month, well waive your late fees for up to three months. After three months of making on time program payments, your account will no longer be delinquent and will return to the valid terms and conditions you had prior to entering this program! If you have questions or need help, call us at 1-800-955-6600. FINANCE Previous Balance Pa)Anents3 Credits CHANGE Transactions New Balance hlirtlnu•t Patrwx the Date $1.131.90 - $31.00 $22.29 + $11.11 = $1.134.30 Sep. 15, 2003 Jul. 22. 2LX -Aug. 21, 2005 Page 1 of 1 MasterCard Plflmrn Account ' ' ' ' 517'd-067a?71S3289D 1 I 1 L I I r ' ° n'1 ^'r r r: ; s r r. •: ..r .,..I....,..I...I.I..? - I-- ?? Ir•...r. . .Y.:,T .r.l ....r I-. ?-rr: You Account Information 1 I r I i .. I -N . , -.. I , :. • , a. IT :-r: - •rY•: r• r TOTAL CREDIT LINE .5?SCr.CO TOTALNVA1LABLC CREDIT SaW Payinents, Credits 5 Adjustments CREDIT LINE rGR CASH 52. k00i -11G Csrrr'1{I CCOlLC rYbr 3uirC rc 1a1• U3 t ?j AVAILADLE CREDIT rOR CASH SC(CG . . . FinanCC Cfhirges iI'kaoeot rc•,LSO(•'uinrcrar: ircrna:kni "-womx. rrrixik Corw-gcrrivg FINANCE arrkC'C D oar AM CHARGE I' V02,00 CAAW3,7% C 55 $ ;i, r• Garr e?'_t %.(m-'c. C %. 9e 5?. C ANNUAL PERCENTAGE RATE applied this period: 23.155 At Yaw SonbC - 0o:oxs. rn8isrecorr s nrre ?osrrmus r od 14"3.307-.o rain + k-.or snkn rod or spsst m 0irwr Wnbrs 0 Pay OnNnocvvuaksere.corrrdwrprver::o: '#AweSank il-A, I.A.-P.A.Bm.M33-Ctarkrx LC W::-I(31 ® SCnd knuirre5 to! C4tacErrP.O-Sw3VW-SatLate ChLTi' 41(M5 Hama quoeilen about a chal8o on your statasent7 rkwerc-11wxao816>7f13r%J1mMjcn3nt cl.cf;ua ra:(•rmr: a',GY. •ra:sa."pti(1r(•,xn:'dspL:ca Transactions 2 21AL-s' raYhCI.TM4TCC"h_II'?lfi = Yos croon: hoc 7?o r.rr tc crcsf tnF., Tc n.clt xr?:hrnlc: rri'rt'ra. ;Yn • r a.tl rA; rxrc• :rrr 3e bMpnLn r.,T,(tr: rkr, y? pa; elxu9h:( trkr? :(ur aatm: t?tra• tcka• :cur wed: eM: inn(,x ?-P?. an: rklkeolr wA.r sour. taknrarcnaar t.#•.(• :(wrYu$ krrt. rt?(• t(our :rcrrrn.r.yn?r .rr?usr.ix:n;irarrp.rhr'.r• 'm. gird Wdy.rckvqv. PLEASE RETURN PORrrN 6ELO'W141TH PAYPAERrOR LOG ON TO WAWCANTALOHE.COPATO 6LSKE YOUR PAYPAENr ONLINE. 1 5178057271332830 21 1134300031000187009 Account Number 5178-0572-7133-2830 Gu- Cats New Balance Minimum Payment Amamt Enclosed Scp. 1 , 20u'- $1,134.30 $187.00 rlr::irl•:':t Ir•:iT TI Bi;d.l? d 111" #902346829258897011 SHARE A COOK 651 Y LISBURH RB APT B HECHANIC3 uR6. PA 37055-5864 I.11••Irrlll?11111111?•111111•1r1r?1•III?IIIIIIII?IfIh?l•r1111 Lend a hand. Save the land. Manage your account online today- It's fast, easy and secure. ® Pav cwl•rc rr yl. mr-ne rrxr chocks, sumps or ck..1.m. o mov;ml ChA-,yr. your addr^ss P.nrnr O' M the hark ® help ;Jve the pl"i Go pape'rless O Sryn P,l:nsw.c0Pi01WC om Capital One Bank (USA), VA- P.O. Box 71083 Charlotte, HC 28272-1883 1111111•III•rh1111' IIr111111Is,1111,1••II.1-111.11•'11111111,1111 Please make chee s payableto Capital One Bartc (USA), N.A and mail withthis coupon in the enclosed envelope. SHANE ACOOK We've LOWERED yo onthly payment _1S•S f..:. •:,; 'hy r:.;::yn::-?.. ,rr.hs?: .:;-.r.:id: ?, r.. +e: d: .i L'.y--'... ...:...n 500207 Keep Your Monthly Payment Low Thanks for your last payment! Your past due fee is waived again this month. As long as you pay at least 534.00 this month, wel l waive your late fees for up to three months. After three months of making on time program payments, your account will no longer be delinquent and will return to the valid terms and conditions you had prior to entering this program! If you have questions or need help, call us at 1-800-955-6600. cw;, . FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance HIniri m Pwneni Due Data $1.134.30 - $33.00 + $22.31 +' $50.12 = $1.173.73 a 1 M. 00 Oct. 16. 2009 Aug. 22. 2009 - Sep. 21. 2009 Page 1 of 1 MasterCard Platinum Account 51784VI-7133 " Your Account Information TOTAL CREDIT LINE S750M. TOTAL AVAJLABLE CREDIT Saco CREDIT LINE FOR CASH szor.cG AVAILABLE CREDIT FOR CASH -SUC, FtoanCe Charges irkaw xe rox-ce `ahnrcrnr: wranxici i EW"-orA:o rorbJI: Cam-ravaxj FINANCE orGrcc u ray AM CHARGE I1r zi ' C.tbf;T C ..5% ca:r =i 0SM2%C 25..5% ANNUAL PERCENTAGE RATE applied this period: 23.15% Al Yov Sarloc • ?,o:o•ar•..cniabrecas w nrape zLreuaLrx cr Od1-ff65i330.' :ore1v:akvwswimcadorWet:o--%mwa PNdors Pay Q1Nf10 c a'sw.crEake.cor or rai<.arpa:rer.:o- C ial CTe6a4riUA! LA.-P.0-8?:71 3-Chalet 1z SWA Inquiries b' captal Owe P.O. Box 30'a,- SaF. Ld.e M UT s' 13W. Ham a queeaon aboLt a draw on your ataioemnV rk-worek{:c 1o Bikv3f33t:cScmrycn3ot;xcbci;nr ^xiYar. cr .bf te:e ?ptakihmn xo II I.1.1 r.... -rr'h -r r: r .r; •: ,.r.,...r.,.,..?1. •I-r:^ . I.-. .?? Ir._.I.. ;.?r.::l •r.I...-r I-. '-rr: .I'Ir.. 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PLEASE RETURN MRTKIN 6EL01W1007TH PAYNENTOR LOG ON TO 0VWN.CANT,%OHE.COr'.1 TO WXE YOUR PAYP+EWONLINE. Account Number. 5178-0572-7133-2830 Due Data New Balance Minimum Payment Amount EnClosed C.:'•::. 1 20.-K' $1,173.73 $188.00 Nr;,,vr ';s Ir;,T TI.-*.r-Vd 11I- 1 5178057271332830 21 1173730033000188006 1190265682925889744 SHARE A COOK 651 Y LISBURR F.B AP7 F HECNANICS8UR6, PA 17055-5864 III III-III•II -III ... GO GREEN. SAVE GREEN! Pay online and we money on stamps. Sign up at www.capitalone.mm ?I Capital One Bank "SA), N.A. P.O. Box 73[183 Charlotte, MC 28272-1883 IIIIIII?1lI?'IIIIIrIIrIIIIIIIrrlllttlrrllrlrlll?Ilrrlllllitl'!ill Please make check, payable to Capital One Bank (USAY, NA and mail with this coupon in the enclosed envelope. 1. I brrb, w a rlnence Cheep,. a.Clace Pedro L most nia Mt:e a rre o%n rr nt r"M a- 26 don's h7Fre ir"O crorge or ". 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Follow these simple steps to make sure we process your payments smoothly: 19 • Don t staple or paper clip your check Lo Lhe pdymerlL Shp. • Be sure to use the payment envelope that came with your GO statement. Usury a d'fferent envelope could delay prueessrrrg. GO Please don't include any additional correspondence. • Last but not least be w re to write your 16-digit account number on your check. cm??ft Dumpster divers. rhishing sue. Pickpockets- No )Hauer ssdim 1riiIi iihnii ity thievci Lt.%, ynit can rely on ID Alen for advanectid mnniuxina ro help keep your crediE wcur" And ro Help you rt: tA'Vr yuic:kh, if you're ever a vicrim. • t.}aily credit monicoLitT ac all three credit hureaus • C:rctiiit alt.'M 10 11061 V you of Ult tin sctivity can your credit file • [?p 10 MOM iclCltriLY )hell iulqufancc (Whir tk) cWtictible) ai no addition:d cent to you Enroll today. Go to www.mylDAlerLcom/cpn -eu:rr'P.:r- .ruw:xFS I -V -c:.rl adr:: LI'jr..rJ.r.v" Mpxh1:6`::•:I•.:F:xIkI$,Jd' YC.F%. , .? M . ...:n4•Iync`'?I.•:i'har:::xuFe::v?-;a ?;:rr?••:•Ir FINANCE Previous Balance Payments S Credits CHARGE Transactions New Balance Mlrlktlum Payment Due Dais $1.173.73 - $34.00 $22.39 + $39.00 = $1,201.12 $34.00 Nov. 1 b, 2009 Sep. 22. 2009 - Oct 21, 2Ck' -Q Page 1 of 1 MasterCard Platinum account 517995IZ}7133 2M Your Account Intorrnation TOTAL CREDIT LINE 57MCO TOTAL A','AILAOLC CREDIT -sue. CREDIT LINE r0R CASH .52:;0.#0 AVWI.A1311 CRMT rOR CASH .SO.CG Finance Charges irk %m ace ra,%nx `Ori?remr: in' G:U:+xnrr.x rt•rtwk Corr-.?clwawj =rGrcc z ear ?ff. rtrchxs, tb37: C '.'?°: Card c#rs"1 r:M42% C Payments, Credits 3 adjustments • ..•.•;T c?rr.?.L?a?a,u,l:r',f?-:+.ufictc•1:_cT U•.cc Transacdons ACCT :'rCrlll'fr000CT7'.XL7- ll rm:icg 'TCIIr xcctai: hag,rc v,o t7 c rut. rev:. Tc mcic wdzr31 c..ctrnt *c,:0 :cu ,IOLIdl-v neri• :tar i icFJnin?n rar><rr. rkxc ? ?'Cnct?jh:CL•ril9;cur3axur.tclBrcetC•Ir?Y:cta?C,i:Itr. FWANCE ?rsria:rkjrawruko+aeysxrrrrd.r.takar.?rcnalnL'okA;nrra?#lnt,ftrcetr•s.aa:IC CHARGE arwir. `µ r3. xtitn?'u 3n; rove pl rdr:^cs 'are 3rd lrnnx char9 .... ANNIJAL PERCB1rAGE RATE applied this peried 23.15:a Anj At Your Sardw - Co:ox-..r.toiAwtom? a mare :ro:rrcour Q ut I-iilll ?i 33?7:o nror. r Ys:or snY1 <ad ag1nL :o Oucare• Paldors 0 Pay OMINc.vamkabre.eororraiarrprrer:o: ??'•r?llSj 6ai. iL:a.i I.!.•P.i•.B?;IiJd•?titre I.'. SWA hNulrlaa te, Calia+!re P.O.Bm:lil2Sr • Sat L:r.e Ct• UT s 13ii121K Hama quesaon akw a charge an your staronent? rkr.o« •Ilux :Ir Oibvj r<ijt:-.S:.mArj cn 3cteal cf;c:a ...^.xnar. m.h.,i::aa.:a?7talamrxn:Jspr.:ro 1 5178057271332830 21 1201120034000034001 Account Number. 5178-0572-7133-2830 Due Date New Balance Minimum PayTnent Amount Enclosed Nov. 16, 2009 $1,201.12 $34.00 FILLASE PAY =.T LLAST n aS AMOLINT #9029568292588971# SHANE a COOK 651 Y LISBUR.N RP A111 nECHANI6SBUR6, PA 17[155-5664 II.I.Ildlhllhdnnllllhh?hlh`I•nhl?lhllllurllr?ll• 570314 PLEASE RETURN PORTION 6ELt.+w94TTH PAYMEHrOR LOG OM 70'vVV W.C %KT.SL,)HE.CMvt T^ MAKE YOUR PAYMENT ONLINE. BE SAFE! Yore trash could be an identity thiefs gold. MM v your amunt online and end the paper tag. Sign up at www.•.ca0iaiorx.c0m capital one Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 IIIIIII -Ill. tllll`II-1111111.:IIIIII??II?l?lll'II? IIIIIIII IIII Please make checks, payable to Capital One hank (USA), N.A. and mail with this coupon in the enclosed envelope. Protect your credit against identity theft with ID Alert Credit Monitoring • Credit Alerts • Up to $50,000 identity theft insurance* Enroll at www.my1DAlert.ccmm1cpn ?'4..'i"![• .."C7`X'CI'I L•, '.n#xs t:rur.d^, a-:: in,r} ;:"nisi y.^ 4'-a•Irn a ?: is e•:?N°:? : e,?r :? iF h.r.v -.rc1F=.- .' RcIR? •+er:Y°. .? 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Spernd rlMfir r:RJt cam P whom 1- o1, ha:e a p otrer•n :t1.7e grin: 0' pRrLr.: ersN: [YS :ha Au PLkeoSes Loth a em t am red AU hwe 7Rd It goal form b CalK: 7e protlNn "I to nRCMr:,:OU rya. I-we 1e ryr ra::o ra:71e rerArt•g MWYt dw or 7e pnpr..• N ser-'Mt. Hou M:e:hh pl K:W ort; M to to PLratase prte Yrro mow 7•m "moo ar111e paceme tat Made in -w Porno t:n:e alit It 100 Mks or ..OLrr o" 304mt-.1':s! ore NOrtrrte7R nekl•or.. Nr-ee n llld Au to 1,M-1Th incr. 'or to PRPer: or ter-'kei, alruRhosn on eoend ngMMst o• MIOut orwarla' o• rLictose.: PRa4e rerRnLeraskr McooftpW r" 1,es Nif Z.,1,'.1 10 S1K .Y i<,7,•sa.tY?t Caplan•:•reupPa:selarSl:tnrrL•m: r3aerlN:uear wetste a Y.:•mcnpakte.cal a•7phu :ie s n+ewDS• rers:eRJ u1,:k1, roe: o• Copal •:1,e rranCd corpoo-zei. Ja 10:1 mN:w. 2006 Captor•:ne -CA6 •:1DkJW66 - I - 03.2u•Ue 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 Lo Lhe payment slip. • Be sure to use the payment envelope that came with your statement. Using d &tferent envelope could delay processing. • "ease don't indude any additional correspondence. • Last but not least, be wre to write your 16-digit account number on your check. . Y1A rya ./rer,wr?merraella*' It could happen to anyone. Make sure you pay the amount SHANEACOOK due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES ' BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) e: AXIV Crjutal Ow. r:y.•iSd Omit a irdrnru} re??a?rrf rnir: rmr . t!I' .: J,? ren r.a. FINANCE Pravious Balance Paymants & Credits CHARGE Transactions New Balam Wirinuri Payr*m Due Date $1.201.12 - $0.00 $23,98 + $90.51 = $1.315.61 311A.C.C. Dec. 16, 2009 OGL 22. 2CY>4 - Nov. 21, 2009 Page 1 of 1 NtasterCardplatinum Account I: r•:: :.. , 51734572.7133.2930 h• a.., °a'h' - "'r -i - r --- or -,...r Your Account Intombatlon Payments, Credits dr Adjustments TOTAL CREDIT LINE S?SO.CG TC)TALAVAILAOLECREDIT SUC' Transacrons CREDIT LINE ron CASH ' ' $2Co0.c{' 1 1P. LCb rAST WE ME A, AII.;DLC CREDIT rOR Cr'a H •C{' f?:TI Ei.T f rdTCC-b:l l'riiaT tl' :1 ;1 1!_'r c<r-tll r r¢ i,--t i xLc- iC Finnee Charges frIe2 : oc-e r.vLtx'ornr:rar: Bruno-i:ni 04W .C1 FAX Per.. 1, r..lcm7tl FMNGE arr.ka::; rar Am CHARGE k OM-42% C 2.'N ANW AL PERCENTAGE RATE applied that periat 23.15:; A?Mio At Your SentbC - ro -.ovr,-.ctoiiioreson to male .nirrcaur r 3t I44X k 336 i :o n{ar. a h:or vven card argxaL a -Dimwr N lore 0 Pay0nen0a:;.:scrGNre.cororre1Wvprrer.:o: •'?igl ire Sail. iWA.1 I.A.•P.Q.Bm-. li31•?Clatrx I:, S; - 33 Said tlgddAas t0: Ce to Orr P.O.Ecox 357a, • est. Li.e Ct• Ur a' MC 26 ® Haoo a quesaon about a charge on your suaownt? r'kn• c mkt :c :to GMkrl r•.Fjf :c ?i.rnAri c n to t:,ck ci ;ur .:axrmr. u •,hi::av:r.,.?.+takrx.xnid:pL:ca rcu oaxuh:I=gore c* co to cre& 1*.. Tc aLck a ?tbrolc:crlrht'a?. ;cu stotllF?; ncre :tor lo 66nir1i.n r r Txip, rk-Asa rr, ,• ahxnvp Cc t rhrf ;a r ;"..coin: tnMrra L' ckw cur rrc... Jr*. irhm-dm:4i 3w n1earrF;oLracn;Lr: talmw-renahr., tc•Icx :cura:JE ink. f tme tc• :uri, Je WwAr.. •wl ro; xcctm-..'Or et c tuvre puch-.Wt. 'a:,. ord aok%, chav,. Tcn Wore A•s!s,cd A rA•: 81eTao tacrv.:.c•-M.r ninkttin r.MrTx-w. wos ro. rc•c.Ac-a t; lie J.o?:A:c•, Tc -,KuJ*-1ezir:heiu-.urcxeracnrh:rd :cuab%o:k?:.tu•FcOa?akrµrnitntn rayrvvx read c4lnle-ne- PLEME RETURN PAWin N 6ELOwYr7TH PAYPAEHr OR LOG ON TO :+iu4W.G•J'IT.1L^NE.COPA Tn WAKE YOUR PAYTAENT 0HLINE. 1 5178057271332830 21 1315610034000110001 Account Number 5178-0572-7133-2830 DLle Cate New Balance Minimum Payment Arnount Enclosed Ci;r_. 1t), 2ui!r. $1,315.61 $110.00 TL a;: •.r.k-a H r Ar9032668292588974# :NAME A COOK 653 Y LISBURR Rb APT INECHANICSBURG, PA 17055-5664 11111111•' 111111h11r111111111111111hhlllhrlllllrlnlIf... GO PAPERLESS! The trees will thank you. sign up at www.capiwonc.com Capital One Bank (USA), R-A• P.O. 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Follow these simple steps to make sure we process your payments smoothly: • Don t staple or paper clip your check Lo Lhe payrnen L bhp. • Be sure to use the payment envelope that came with your statement. Usirfy a &tterent envelope could delay pruc'essing. • Please don't include any additional correspondence. • Last but not least, be mire to write your 16-digit account number on your check. Ca?sr3 ,-eyprrrwaltat? -.r• •--I r ...; I:•r,:: Ir..-r ..: .. .I•.P.: y.I-.rrr.r•rlTrilr- •r -r•'-... r -I k.. , !.-I.r; .r..r.-h r••. 0 2609 e NPi 4r. r)rrt (."'Pir.ri r )rr u ,r 7 r(r?nll : ;iiercrti rr.•:rq .,r r,k A.Y v: Al, . a ?,rr x FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Mininta•1 Payr itni Due Date $1.315.61 - $0.00 $25.41 $52.66 = $1.393.68 S 1 fu:.%?; Jan. 15. 2010 Nov. 22. 2009 - Dec. 21. 2009 Page 1 of 1 MasterCard Platinum Account 5178457b71332B3D Your Account Infomlation TOTAL CREDIT LINE S75MCD TOTAL AVAILABLE CREDIT Saw CREDIT LINE ron CASH =kccl AVAILADLE CRLTAT I.OR CASH -sacc. Finaltce Charges frk-.aeac: uc•,cr;e S;rnrcrlr. irorm-jeni W"y.orx. rc-rhk Co;wgcnang FINANCE arrie?'L rar AM CIRARGE nrd,a?co 'r.•if ;:: i.tb'3'7'. C '.'SA $'?.': Ga:t ::5 2= ifs 2A C %.'5% ANNUAL PERCENTAGE RATE applied 0" periert 23.15:. JfM At Your50Moc-C,o:o•as-.caAAbrerun»nrsge c"woouc v -Did 140D.b133K-7-.o egw-. a k-.m roim [ed or WOOL -a ']room Pakbrc PayOnartoe-•racrEeke.corwrseaoLrprrerx: ?:apisl ire bad. iL.i4 i I.A. • P.i•-6m: i ll S3 •al¢x I:; 73, ?-103 Sail LrquIrks to: Caplzl Orr P.O-flax 32a, • bat Lai.* Ctt Ur s 13ir4la, Hmo a q ueeden dial a chargo on yoursta k rent? f k•:ro ¢•kr:c io CaTavj Rijt:c-Scrnrr? cn 3ntacl. cf ;ur a:crrcr: a tL F eo:a+taknrmnrd:•rv.:ea GL1e ['ate Jtn, 1'. 2011. Payments, Credits & AdjRrstments Transactions 1 1? EEC rAST WE ME s1EEc rail•.EI.TrKiTrC.-h:I-I'?iraT?3FC1 icur :rerun: h? 5arc nor to crc,i: i'rir Tc ack: a:d3;ralc.cfint `xa :cu ;tiAtl r?; n<r 3 err 9e Minimn ra.,mi . rkaw r.m* enough x I:dM ;cur a=ur. tc&w tek? w W crar. Flt inrx ir.:r i ma nAr• anoyxxr;rca.r. tALncoran it tckx ;c,r crdt lint.rtyrr• tr• sloa :to arloLr.yrLra:a:ccur'oran;Riverxr :•'ewanduI:Mw-chargr.•. icuarea%aLcJrawwr.rrcl,::kncuoDmsart:na;hetiAle'ortow--ice r, to rai:xyoLiacc Lr: rrr:horn..of-p.rravrxr.rrcr[icnnlrcrx-n%F IVLc-c- +Mb"r-,:mc•ijtk?kc• cir. rkari ca Sxnetrk:gc• Done' l Smixa a: 1•ceM127 -AR! -.c <.x• H .cur siua kn gLafe. tr tcrrc Tw tcur=un:to or:=:;r.a.ox.anc ctrcmanc•ritrsL4emc:i'It. recdK-aEi?=-;: rao:cue. X -woe -t -mv rrtrrn,: rrc:4cicn Agrc<rwr:. Ycu%or a:oca:-cda rx.: are ice tcu"Kac•>LAFni ini.n raga rl.,.t= ra resiec ty iu &c. Wx. Tc 3zUI*tottofuve.*orlcmncrd1t3:,;cuoboa:k-= tu:-Fewdsafcr•nLrnInkiLn r*,Tw. t: -.c room Cr;rhnltna• PLE,SE RETURN PORNON 6ELOW141TH PAYMENT OR LOG ON TO 1ti4lydr.C,'J'IT.SLOhE.COPa1 TO MAKE YOUR PAYMENT ONLINE. san)r s MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE! Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our t= check by phone service or speak to an associate by calling 1.800.955.6600. 1 5178057271332830 21 1393680034000188006 Account Number. 5178-0572-7133-2830 New Balance Minimum Payment Arrio nlt Enclosed $1,393.68 $188.00 n n.:•.r.h-a n r 1190356682925889714 :HARE A COOK 651 Y LISBURN RP APT F MECHANICSBUR6, PA 17055-5864 Ih1hlhlhflllmh?1141111?1rrllhnll,h.ullllr,.lll,. ORGANIZATION MADE EASY. Forget the filing. manage your account online and simplify your life- Sign up ai www-capitalone.wih capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-11183 1111111-111"it 111-1I'11111I1.,Il11'1-11PIP,11111111-It II Please make chess payable to Capital Ono Bank (USA), N.A. and -roil with this coupon in the enclosed envelope. 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Cone PLrehan l' :ol.Fat a riotMn -17.71 qus[• a Proper.; ceser:rn .htt *au plctatn oth a twat OM wd you hwe 7W IF goad VM D COfKM:Fe PU*M %II :Fe P1l It W- wU nQ' Fe re 70 Ryc r0, :o PaYIle wnal'rg arlouc dLe W ?• pMrer.:• a SOf-Teat d'bll ha•Y IMS platC7or Orr: -tM ri PerCFOSe prep •.90, now Ton $moo and To pA*ow -Ms rate, in -mm Foe vree a:9U•r 100 Poles of .oLrrwmrg cl even-•T"r!! o::r or opr,e710 next-or.. cer ate nowd -.vu TO d•.frTioner:-or" pwpr..' or ter Ites. fid wtha sale W.-Oed Mgc""s a WOLM cedotcom of PLIttow.'. PMMO Ratner v sqr ON CornrMntor", _11d5 -UV an'?., W B? .Y rc JeQdJ CatlDi 1510 uppors Yrorma:en rwvot; tro:Amr: we oLr •relste or :em-cnrJalare.cen d`c"-:TP it a lldeml: W ir."d wir--loo ran o' cc" ore nrl11dd cotrom7N+.,a oo:s of red. 2008 Capta•:ne -C.08 •: 1Dk16055 • I •03.2u•D8 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 theck Lo Lhe payment slip. • Be sure to use the payment envelope that came with your statement. Using d Wtierent envelupe could delay pyucessing. • Please don't include any additional correspondence. • Last but not least, tae sure to write your l &digit account number on your check. wleaV. fn your w olet? MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE. Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our fm check by phone service or speak to an associate by calling 1.800.955.6600. ?i.?N!'IC..M(.•iw1('1.+:.Crb!:H,IOHr;!.r/td:nrh? ?aX:ur+?rlir/iY?r!!rH1k :Ir7??r(i,?r•??arnr?I FINANCE Previous Balance Payments6 CMdits CHARGE ft-m dons New Balmes Minimm Pavr*ri DA rate $1,393.68 - $0.00 + $27.84 + $92.45 = $1.513.97 32t'•`.C? Feb. 15. 2010 Dec. 22, 2909 -Jan. 21, 2010 Page 1 of 1 MasterCard Platmm Account 517i461b71S3 1 Your Account Information TOTAL CRCOrr UNC S750.00 TOTALRVAILABLC CRC01T SO.CQ CRt3NT LINO r0R CASH wackccl AVAIIAal-E CRCDIT rOR CASH Sacc. rinW Ce Charges iTkmoe See rc.A:tA `(A inrc=. wcAnxicni BAWY..0rn:e rcvb& "ono.rcrn:ing FINANCE arrk-c u rat At' CHARGE f urchT:w $ .C.'.+? C. a.- A C SY ;7C:• Gar S: is O G3-11% C ANNUAL PERCENTAGE RATEappliedthfe period: 23.15% Afm At Your SWAM - Co:oV--CdlbbM1A-1 a nrege •acrecwuc a Q* I-f1IG5i3J0. i :o w{? a as:a sxYn red a?eY.:o t]¢or? Palrbrs 0 PAYOnIMv7-'aer=tire.rororreevrrprrer::o: _te 6rtL il.i!i I..a..•P.7.Bu;li Ji••?strx I:: S . 03 A Said "rla to' Cgi-al Cow PA1-Box 3)2s - s4d., W.e ct, ur 4'r3ju:a6 Ham a quQatlon abet a ello p on your @4ft Onto rk•;.•n 8t-.c :to fl" Rbl:sS:.nnhricn Sot;.c1 cf ;car .:a:(iki: it :r.'ir::Me1Fl"F+tali lk'.Sn:i:l:plvia -i•..I;.n:: Ir•:•',...r..:i •i •-r:•r: •rr-°-?r -nr-r I :-,r: I-•'rr?•' -r .?r.. .I..i....-r..r...rl rt-?Ir,.i.. -??....h.. ..•1.r.._ T Ir. . 'Raxvdl-k*o-Sookc:hsicoc.d:tofr•:TAT. d3i.•-.Awfr . winrerar:r4wh4irfcrruticn robe,: u:cto 3=uir Payments, Credits 3 Adjustlm als Transactions 1 ic,m r".STDJrrCC ii ,:+Jf f'!!'ir.C1.Tf'r?f_?TCC-F:I?I'rri'?Tt?EC?' :••.l.:r Tcir mcun: has gore c :M r: cr*&. Trrt., Tc n.ck: ac&brnlc. c*d ,`rrs ;or • td.tl r A- ncro :trr 3cIAinmPayTxn:.rk.=cMti citcujl:ctrip;cur=t1j:tahra•totcwccraM'&FY iTncr:cF?. ^Jk: nnl:e Sue >rwr acaAr. tnlnnx rennim• Lcic :t scut acdt fni. I'tale t e our :tc:rra.r.')cn.r:rff.r.a r..*mm-; Snrc.p.,ch:.:a• 'm-. nrdin:a"r.h;.rge•, 'Te •kifxxo,.darz-.ac-iectc- ;c•jaunWmnraineir.r:aoraroatccty:hedwome.Tc anti id:• fee t lie fuare. *c, kxcnnord irr::cu 3bc x leno-.7 tus Ir,=, d= fcryatr niniu n r.*,r n::c rcwt CA.rrnP_ne.. PLEASE RETURN PA MM 6ELOW141TH PAYMENT OR U?G ON TO "WAW-WRALONE.COPA TO MW YOUR PAYMENT ONUHE. E u? ['ate 1?. 2010 1 5178057271332830 21 1513970034000269008 Account Number 5178-0572-7133-2830 New Balan(e Minimum Payment Amount Enclosed $1,513.97 $269.00 nlliarFdIIF #9002268292588979# SHANE A COOK 651 Y LISBURN R$ APT 8 NECHANICSBURL. PA 17055-5864 11II.A.111 1- 1-1-11-1 Al 1-11, -111,- 110-11 PAPERLESS STATEMENTS i Stop waiting for the mailman. Yrew up to 13 months 1< of statements anytime-online. ?. Sign up at rnwr.capitalone corn Capital one Bank (uSA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111'111"Illll'11'llllllt.111111"II'l'lll'11"IIIIIIII'llll Please make checks payable to Capital One Bank (USA), N.A- and mail with this coupon in the enclosed envelope. SHANEACOOK 20072. SHANE A COOK r'K- WRortant information about your account Enclosed is a revised Customer Agreement. Please keep this new document for your records as it replaces your previous Customer Agreement as of February 22, 2010. At Capital One,' we are committed to providing you with honest and open communications regarding your account with us. Over the past year, there have been many regulatory changes that have impacted the credit card industry and our customers. We are enclosing a copy of your new Customer Agreement which contains important updates related to the terms of your account. Many of these changes are the result of the Credit Card Act of 2009 and recent changes to the Truth in Lending Act. Please read the entire document carefully so you'll fully understand your rights and responsibilities as a cardholder. As you read, please pay particular attention to the following sections. as they have changed since the last time you received your Customer Agreement: • Interest Charges and Fees • Mailed Payments • How We Apply Your Payments • Communications • Changes to Your Agreement Thank you for choosing Capital One. We appreciate having you as a valued customer and look forward to serving you for many years to come. Have questions about how all the new laws and legislation _ affect you and your credit card account? Find answers in our easy-to-read "Guide to the Credit Card Act" at capitalone.com/financialeducation TAKE CONTROL OF YOUR CAPITAL ONE-vAO'sinyowwa6rrt, 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, scar. n Lets work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. LO 209 (.'U :i:/ (A-e. (.. Ore if a ieiL•rau'P rr •rst•rrd :rns r,ryr Page 1 of 2 14W-"3.3637 www.capitalonL-.com Jan 22 - Feb. 21, 2010 31 Days in(ding Cycle MINIMUM PAYMENT Y' AIR&PyetruFeorh':Iwr*Irxrnpayrwr:ead•{eioe,.ot till { a: rmw i' k.aes. and f.:-i .ale ;a, bnler b { r: o' you talrce. For e. N: MIASTERCARD PWNUM >7>O J7JD .x:C{x 1.30 Paynert Anger. [ad Period N No Appemtirw.e iMe m ray dt [stinted NEW BALANCE MINIMUM PAYMENT DUE DATE Addi ionalC6ar9esAreMade Stroment Balance Total Cost 51,598.86 5354.00 Mar 18. 2010 ktrkiLn Pa1Twr: 13"e4a 1.16:&)•' 170L mttl lw i lornaior 4lAt6 aedi. ca,rceirg sertes. cA I-SM3:6.rxii:. ' • " ?' LATE PAYMENT WARNING: I-..* do ro: rec*a :m.r rtkirwn prrrerar, pDLtdu* dare. C"fitt111t:? rt'.Ec Cash Cmik tIrM:.r,,r:O.OC ?vuruff I•reto{afi1.34.0]Me'ee ane ?;etr AksrW be in=&W.. t{:o:he Pend:-. AN..o M!IYa +,ai6lbl Credit'Ci4 Atiailahl.Credkfor Caskstio Previous Balance Payments and Credits Fees and Interest Otarged Transactions New Balance S1S13?? - 50A0 + s84.8q + S0.00 111s• IrIM1iI I'• PIN 1:1;1^•'11r, tall ;tell iJl1 •111 hilt: ;ran T%T 1e11 on.•ni P. Ix.inr: Iv? nillinnl^ 1rr;m?•N.m??1eu ? n :: n1 uis•?r? lw. I F•:.,:Ia1' i is" ?r a ?-al TRANSACTIONS Help is Available. ? PAYMENTS, CREDITS SADJUSTMENTSFORSHAtEACOOK#2830 Just pick up the phone. FEES I5 r[C PAS-1111`11 :crrc P.a,t arPrr-cc-rt, 14&21''•6%5' -n:al rn••. -1i•. P:md -oA recs -t i'.ear INTEREST CHARGED VIFES CI•.dF:6CPLECI•AS[1, Ik-EF., ES- CI •AEra[:C-sl- --til Ysr: •.: -ti. PrriQ -o:al Imek-5: -his ',car Trvisxtionc mnlime on p:v3o i Due Date Mar 18, 2010 Call 1-800-955-6600 and 3 slk c ;. ly tlairM =cjeii aeil S .Lo be -,ap-jy to help V13- -IFEck yox ba a re ar •n3ke p3yTEn:s. SIS3S' sr..?,7 SI'?.12 INTEREST CHARGE CALCULATION Your Annual Percentage Raw (APR} is the annual interest rah on .our.account roC.'J Typo of Balanoe Annual PNCantega Ralwoe Subject to Interest Charge SSS.1b Raw on Iromt Raw PLAJ'aWS x.15%D SI.17:.I: 5:316 PI rTSr RrTURN PORTION nr10.•J atm I PAYktrNT r R I OG ON TO %w. xG-?PITj?J r.-far. COM TO n.•uvcr YOUR PT.YTArNT ONI IW. Account Number: 5178.0572.7133.2830 New Balam Nli,inxim P,-vf -i Anwunt Endowd S1,S98.96 Itl':'.I I'•:' A, II :•d II'.: ?.r.M A 111' 1 5178057271332830 21 1598860034000354005 SHANE A COOK 651 W LISBURN RD APT D NECHARICSBURG, PA 37055-5864 l'••Alnlr•.••IIt- II.•III1•11111.11..IT1111.1•IIll-III 1I.I.. Take advantage. Take control. Manage your account online at tnrww.capitabne.com • Wa<e aaymerts • Review amount irb rrra:ion Aia N &IagV)'our „ccoLrlt '1 pri:•a y capital One Bank (USA), N.A. P.O. Box 73063 Charlotte, NC 26272-1083 lllllll•lll??lllll?ll?lllllll•,flllll••II?I•Illrll•?Illlllll?llll Phase (rake checks payableto Capital Ona Bank (usA), N.A. and mal with this coupon in the enclosed envelope. SHANE A COOK ib•N rinrarohtrmyingentwretch,emm raclr h:oL ra?•aLr'7..:r BaYra•"k+fi.R yea Ydl Fa'. a return gore. Prdod o': a dad .tell no Fti«3 rlult?• an a?w:e 11 tunlu!e•\: 1 ba4r<x• tore-}.r.• z? q'ocd rue.ha!o! NW ?y other rhwpr•, / :eu ha.•. bc.n Prig -t- areooLM in is \•sh ro Jean.: slurry Vrrrd and -jm do e10: Ma --r rxat bil ht fi.? rnorabA i+:ewa: chary: wib• can ed,'Ivee h ro pare prod or rr .h Nharon. -torrid trrrr'er., or on a r} w::• aar:rion \'Jwr fixer h an rrepatl baLrm ion a Pn-;Join toil, Hawk 1ho Inioresidiar asydludo BrArw.dogesacaufanife11drrofifs aarswjm :e da:e tie JarsreJon B Proeesaed or Slfls: okrdar dayof Jne b&o r4rm. Irtemt diaries acne on awe Lrr*W armour. un9 t it raid in fi.l'FC riean'you may oero kn:ewc chseaos vw if -,vu rap' Jne wo2o-hw Clal'u' one nom.h. tour old rot do so for I* rmbu norltAmor,ad Most dugs are added -.oft proper mo of your account. I laaaor. •ae enure-e Jw rbk :o no: uses In:olr. duiau a: ar,• tine. Do yea wb0! • rlirdrrum k+lraod O+aeeeT YeL ? nhdnLn ti'IF.[S' O L•.A;C d a05g \tw br ,rrrrrd br pad big rorird :,our igaLrt h udrl•r; b an tier t rlregr•. 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How can myWJd" Annual PMOn LAW Bate tQ PO chmW?''ou APP. na;• B1n1ue or decrease buod or or* of seam dandald rdbet w w-od r -he %',*A S7WJournal, -* fed ,rhoch indoor k Lad feryrour aaLrt look for a cod* d; L C. S. D or re on Jw frow o` thk deer wn- neia b Joe APPAL -her deck Jle uhb helsL- rteate mr Wrerrpe Rook IAa'wl InderMdoh you r ramo uo heed en Men Moor Ammo eol Rata cromogo P Qmrlor4 Prieto • roeyin piBrlaoetr dbdomad 6laee fire days' to L Q-M k LOOR • -a& pralarly d'seI in yen WIN Pam Mort C pm CO • rtabte Pwtrouaiydidoibled-o IN a JMMV.APl, 9 bon kc d Pork- • merge ro-bo olydadmad b yon IV and October. O kolow k Prrw • morello prNoBkb Motored a Tole kr. day0' eaob r ironic}LOOR• mgiopmWrdydldeodbyce rler'lly e+l G Tram} LWR • r-lifo pwrbudydcl.rd b pea Pend w IheroJ:defibnal FoOa asex4btl rrilh rrrr armrnlT Yr.. Eerier rertnF rhrurv.•arr.. we ray be aria-.+ql a tort- or Brxnrd ?rrrmr. rq•. You rvfaho 6e a:crwd o.•.rentf.r. i° :we her dorm b -M :IOn.iyt• r a•nr toe "r.. 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'grLriq+, I:ou L!r :oar rnd: Card q'day: Poe: b yore ,+®Lrt a':er'fou rb L::o ri- h. rx ear te-p ywr arroun:over. %J1bL happons t mfA=LnLk.Y 1T'+.* may dose orsurerd broom aoedLrt and our rbk a ab:ar aW: a: dry Jr•ie and for an wore, ran e W L am trot in Mak_ Accoun: t a*nsbr can be pwrla e n or :eryroray. a ye6r account t dosed or surporded bou nu: 11 doe UMV 10Lr end. cud and aeeoun..:e Olleel AN ALIDMA FWrllrfi :e denary alcrsd: txdi and rats chodd, ud ce pry at amounts broL owe us.. am i' ther•:!see dnarxd afar :he acco n: rtes dosed or slsperrkd lao:r do I ibko P.V-k?Pa - ,y-r,A:O,'.A b0 rnd••M :O'yelx'Yrgpl: is O'the buster: drf \\r,-Ake F_r. long r: 0 yeu:cad toe tor- pariq+ o' tok•le+rr mend :wrderk t :M enrbrM rrnl - gfirbpe, and :b :oe.r rynnent it r.rrird in Ore o' ne.r rnvrring mn - by 5pn local irw, ekes NioL•; r. 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Yb0 nay cal Ls or rottr• u by ttebriv b¢ tyou do :q am no: mLred :o 1wri0at o ary potential mans and yol, may here :o ref :ho anolrr. r gwator.•A'hiklve krfw1or.ewl a:heror no: loom has bser an area. tke'olot" are mw. carrot :n' :o mkt J* anoLrt in 'lw[ioa or reml yOL as dordn'pwrt on Jut"o.n. • ou do rot coed :o Par' anyd tmW anti s and n0:eel Breed: charges orfoes un-.0 •ae sdrd you a rota about :he olrcax of Ora armoonbr_ ''ht duo* r • t*shr may ronakn on yokr rasnert and tee nay con:nwe !o dorm you in-mvr. on ft-. anour_ fir„ it t!e drsmM Jiattte nado a ni.l0.10L :Vino. haw :o ray :Imo uwar. r'Iastbr or are In:ues. or otoer'on reined :o Jost"h rt . +tT! you do la: hex x ref Joe a eo Lrt in Ims:ioM'rt.L am rosrorsibk for -.he wnarder of you' bela ce. •':•Y car a 0rany unpaid anoLrt agars. bow Glad: ln< Y-140k. r You An o'sal'idiad Ya1h You Caodt Q d Purchase. I'-,-- dkutkfod \•cto }r goo,: q' m'rr.*Aymhaze rurd-d Yih',oLr end: card. mW yeti F-Vi'd h+ good'akh :o rennet dr pabbn \*h toe rwrrhNr you nay h irw Jw rhJh: m: b Pay toe rMairvp ano- dew on dw purhrr. -o um:hv. rL*.. as o' *o, Aole:oq nl.:: be Yw• 1. 1w purdo- nL::lax been naM 'r •; gr haw:tt.- OF VAk'r 100 n114 Oftour rueort ruin addm.L and toe prerhrr reed re- hrx hon+rsw :hir L50. Ado-.,Nether o' tk- aemower:tyear Pr.m+ooo, whoned -ar .uo-tL-r-- rvnM to boo or M uo a.r iw mrn-y*= ol! sire rpoth or-*-11 L rut hne uud yap mdk pad for ire pLrdmr.Pe. ehmr. rod, aii+-h aka- ion N+:'i' orr,th a cork tor. aarrmr -roomreedIt emA Yrger do rot'H•a'y :.''ou rl-. ero: }e: haw ierr• rod'ortoe Purhxr. F A of ire Ai d.aho,'r.x•rw aid yea an•7l!dusi4bd-A+ dw purhra•. mror: u: in r;rtrrg a- iap 40- pr e_ :alas Sat Laken-r. L-Be1:,WA5 ?.ttlr ar h;r sir+:•. An :arw ndr. appl• :o -Jw d rr-4 anoe.rt a! dk-r-d aloe.+. ; fk r Yx'hd r ear irr.:hJa:bn nr ::•t :etyou -d-W- At to- port H rx iii bee. o.•x ar .r+ee.rt and : 1. do pre: r -- nay wpor. ywe m daneprer_ Capita Karr :lepr-1 lork-lgr "Lary pmeetbr••a•r oLrt•,~.o a: \•:: . aplabro,ron Capr:aisrx k. a fMeme• eeak:nrd wr;tr nork of Caphalner rk r+rial o orpoaion. AM riche. r. -d• ;n In Capi-?Irv Z.na 01 :o 10 Changing Address? Address .......................... ........ _..._..._.._.._.._. ......................................... ................... Home Phone Alternate Phone_ ............... _....... _.._..._._.._.._.._..._.._.._.._.._.._.. E-mail Address _........... ....... _.._...._._.._.._.._.._...._..._._.._.._.._.. Neast pr or acd-ss or ahoete nurbe• change awe Lsi-9 bkie or blac< 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 Lhe payment shp. • Be sure to use the payment envelope that came with your statement. thing a different envelope could delay processing. • Nease don't include any additional correspondence. Last but not least, be sure to mite your 1.6-digit account number on your check. Take Control with Online Statements Managing your account online Is easy: Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at; www.capitmlw*.com raga 2 of 2 14M4#1-3637 wwwxapitalone.com Jae 22 -Fob. 21, 2010 31 Days in Wang Cyde MASTERCARD PLATINUM CmcltlimC s7r.Cfo icsaiiaw Cm[IZ SCf0 NEW BALANCE FAINrdUh1 PAYMENT DUE DATE raah(*mdtthnt: S:rCtA 5115".86 S3S4.00 Mar 18: 2010 lceaitablo Croft for -a-Jr. ?cfa Previons Balance Payments and Godts Fees and Interest Gorged Transactions New Balance 51,513 ?h? - 50 h70 } Sa 1.a9 } SA.00 = 51, ;9a.ao TRANSACTIONS CONTINUED 'sour a= t is 90 das past due and -W Fbyment Prouclar wyerage has txt n srrakncled. .As sbfid in ynur Paymmt Protection agr&+nkrn car m+.erage and nemfits charge wil bo minstated onto you account k no longm 9Q dzr}% post dun. You met st6 be eigible for berk#it, to 1), paid to your account for loss event ckscrilred in tour PaiTw nt Prot, cdon agrNrnmt CalI %ndridge, rkr'fit 5, rOws at 1486-'.27-61pt bscr it trout stuafon q alk%kr bmnfis. Your aomunt has gek o:rr it crdt unit. To avoid addfonal ourtmit lei., yuu shoukl pry more than fhe flttimun Pa;nk nt. Please pet nw ngh to 1xig car aomurn tnla" odour tourancAtlYahinnxd1dc4-e. and haake sum tour aumunt baLno: remairs br+lowpuraeditltrit Please bo sw dk amount-pu pay accents for arcs Future purdhrm, krs, and Irma, dwrges. You 'Arno aarsud a pad clan fm brtause -,or rrininuhn paynxmt was not recokeml In the clue dm. To avid this Ice in the future, -m recommend that mu akvat least? Wsirkss (Lys for your mthlmum pnraentto reach Capital One. SC0312 ` what's in yo„r way=, 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 &ge check by phone service or speak to an associate by calling 1.800.955.6600. ? 2W9 <: rpnrrr Urr. Caprrei Orr :1-.r iSrl arlh' n linen a .<rreiee mark. AY rrginr n':enAA. rage 1 of 2 14411+963.3637 www.capitalonL-.com Feb. 22 - Mar. 21, 2010 28 Dais n thing Eyck MINI MUM PAYMENT WARRING: r .1% rule orh• I* r*Wvm p"m-. exF lerbt,,u %d1 Ix now kIrx11.rdI.:fltfu;o br5erioF+o-tosrtArce.Fortx"Ie: MASTERCARD PLATNUM p ^S r ? 2' PagnertAMW.. [xhPeriod ONO APP0Md v@T1nW W PAyCff Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Addtional Ckarges Are Made Swemert BaLwKe TojI Cost S1,666.60 5439.00 Apr 19, 2010 I•Irixn Far x: 13'•Y4s 53951.0 • f ;o '.vmll Ie irdorru.ior AvA wdi. coLmelrg serka. al l 668.3:6 6Yi95. . . , . r' • • r " ?.' hATEPAYk1ENT WARNING: f :a do ro. recrv •,aosr r$iNrl p.-,Ttr: lr'msrdut dra. CmIt link: 5'r C. CC Cxh Crap Lim tit: S.'r.O.OC you rW H•xso 1 h' A 539.60 We `teak -,osr:WRs naF be inoMec s1 :O :te 14n?- .0 29:'04. ailal* Cr.•dit W.Co A,ailabk Credit for Cash 1C.C0 Previcas Balance Payr*ft and Credits Fees and Interest Charged Transacfms New Balance S15gls1i6 - 50.00 } S67.4 •F S0.00 S1.Go6G0 ": nt=• b••Idrxl Ir. F:+? 1:a'.r•?nr.ll.•aI :rntidr•e nli:aa?,m.•nr,'•: rD.r+.111 isat 1rF •i 1-inllLtir::•d •VI. rH.r?••eF n15'I giastlgxtl. Il :? nt•? P'?•IiM: ,.:..r".1...k1-.,::..?,....,II:?.,:r.•.:.,,.::...,':.,r1":•;I11'.,:.1).1.--h:. ,TRANSACTIONS Ili•.rr,.,It7. Help is Available. PAVMEWS,CREDITS aADA)STPAENTS FOR SHAME ACOM*2830 Just pick up the phone. Call 1-800-955-6600 and 3 slk c is l 1lairrd : rv *il FEES y g I 15 r.1=.F. PAS- I-LC rEl S?gyO be wp-jy to help jo..:hEck yojr ba a i-e a -n3ke P2% TEn:S. 0:21 r', "Ids Perbd SM-Lo -n:. 11-•+r. -1' R'rnar INTEREST CHARGED Ik-rrr; rl-A.N.711.Fr,-AX INTEREST CHARGE CALCULATION Ik-CFCS- CI•Ar•:GC:C-SI• So Sr ' -otal I• fW.1'E rt"I • • S2S." Your Annual Pwantage Raw ((APRIis M o annual irtacstrat, on •ewr account. --al Y,;:m•.:-Id•.'mar :x"+G.%•C Pe rcentage Ralanot Subjed to Type of ealrlQ Amual Interest Charge Raw tAFRI Yom" Raw P r?i 1-s. 111150c D S I .: ?. 16 S::J 5 1-,'•.I' 23. I1-,. I. St' 1113 rA.r a Trinsxtionc annl inuo on p..qo i Due Dale .p, 18,1010 PI rASr R1-T1) RN PORTION 131- 1 OW VAD I PA'rh4rNT ene I CIG 0F1 TO YN.W.GNPITA.I ONr.CORE TO hrblKr YOUR P.A.y 9r NT ONI INr. 1 5178057271332830 21 1666600034000438002 Accoum: Number: 5178-0572.7133.2830 Mm Balance P.•1i,inwm rcvr'n -n1 Amount Enclosed 51,666.60 111':.1 1:+:' :?.' II?:••1 IId'•:.LP .1-q I" SHAME A COOK 651 W LI:BURN RD APT D MECHANIC:BURG, PA 17055-5864 11111 111 --1111111111111111 -111•11111,111 it- I -IA",I I,Ir,P-1II Take advantage. Take control. Manage your account online at www.capitalone.com • Na<e oa)Tnerts • Review a_-count irforna:icn AQ F; a-18ge your 2000Lrit 'I pri,.-&y Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-11383 IIIIIII.IIIr,IIldrlrllll11lr?IIIIIIrrIItlrllltrlrrlll1111IrIIlI Please make checks payaltleto Capital One Bartk (USAI, N.A, and mad with this coupon in the andosed en:alope. SHANEACOOK rba' fan 1 avoid paying Intw.rt CINItaK: rail raarh mr. raj •aLr •'L.:r edarfr' n hS :wl ri ha,'• a nrhurt psra r'1`rl+d e': ?s dr-.:mh Iw Mrr t •hwr?r an+brr.- I r p-h-.,: r bA.--,1-, -r T-W r a,,11 . and y oJw rha,j,, if -au hmr brae prirg -,,our -n in 'W ui-h ro ir-, dunm apr4d and am do not Mi: r- mat biri in fLRr card in:rny: rFaq.::;'iM -A-d. -Is- is ro Or- rnied or rrl adt.r-. gwlal tarm'er.• or ar a ry m:r a ar:pion vJw iarrr Is an unratl bal- San a pwvisms bu. Plowk the InlaKldW APPlkVP Lrfw Chaimaccna fpm JM 11dat.e oft* .rarucAin. _r date th ]'orison it protested or..f r. obrdar dreof Jie big rattail. Irtenst dvapa aqua on wore LrreW arbour. un:t tit pad In UL-1,11; meansyw mw a,.:Y n:vles: drtn ever Ifwu r1e -1* MJIe ^hw. Caliro r one rwnJL but did rot do sofa Ile marbLS north.Ulrad -.tens d1a'gs ale added b f?9 proper Mr*tr. of you ACaM:. I imsivw. ix rm" Jla it)R:a ra0: ums n,.*w. duper a: am, tine. Do 7pu ars.r a Yinirrum nrr.d Chra.? YeL : rtirdnr. n Ih'CFC; O L:A;[ of WSO ?vll be.rlr•red br rail biy 1'r'r?+d ;rou aeraLrt k •+erj.r b ac rsn.,a rla?r. I lo. did you c.alNaea Ow utoro! CJLtra.r -W,. err nerral mlrairierr. Ixr: ae -,d to drbrrim?;:ou:o:alum-.: rhayr, 1, -o qe: }ou•? a'M.wr•rorrrh s.grrrn:. In•a4 dap Irgisiry laisxe and add'n peat' aarartiors and ine pnbdr rtrr.•a rlLepe as ? rlatibL: da}•e hisser.: r tlbaan arri rarrxrt. and nod:: fa:hat agrwr, a of :ha: Aq. -Fe mot r..x doe: baAr• for .ad negnnr., le??nrr, lyou raa yea prrL•bL: ranh'n balm. r hu par tear balarm :rat :en er a errSi-. araoun:L cur; lranLxabr: •.rhHa roes •< -tarp rLrlae a:ryMal r'L pilot-. trprvrr.: am no: addM» toe dad balarct, ALo. •aar:ar:rar. iu: a. •ylb)..: to a pLrr pried as' Lie: add.d b iv daR,• 6a M•:.:,-o'ixl arW A-erag. Rai Riau- 11 add tFe dlij balafan togr:Ixrand: r Ai'iN thC'ln brd•C mwnbrrd A.; rlr big err, "?•:.F1af"? r-ctrl Mrla.:Chlrge•IInLLi?'}roau nrragr illy balare by iar dari ryriodr it and : r rssl:irli fir sera.! by ire raraber al dap. Ln tFe M1Yy -.pried, LCTY• M.e :o reLMrq a a r,mr.n ire?er carry, :Hn mrrerton nmi vrt•fron thr Lrm'r. dap- ar?yarasad, Now cin myvadabb:nwli Poroonim eel (FPM dlww?'lour APP not' nclera or deems. based or ollf of wmi wiled L'dtnc ww-*d r -IU?:'at S7tetiasllal. -o f rd fads kder a Lsed br irour a®Lrt k*kfora cod* IP L c.& q or rr m J1e from o' the sL:eman, rived b -Ise sec s,. -tor drrL ir+aw bala..- rwala iralr Paatlraaa Itak LAPM YWrnerdeh goer rseea re hued an MW YNI, iresue PVro so Rata W I ahew P Orrlcrit Pin • rasrln perbasetr ebdaw4 to pe km iy W it L tblsrlap LDM • nerlar Pr.".k1 dio:I 4 pu ainl periods ire c QWWV CO • rWM PW4bugydfed0{ed:0 far b artbry.APel, 9 0. kord Prise • rwgit Psrbudydbelesad b y- Jisk eW Ohba-., O kM** Prime • rwlb Redost0' dMobsed a you 7he W. day*- slack r taerddyLmlt•^eryir prahWydidasd:sl ym macdNwba G 7--ry LIOOR • ruin P-b-lydrsdasd'a pee pd d. w Lrw..tdralioml Foe anotatM atilh rrir arrourvP Yrs. Lrdet rend. rirun:-.vve:. au nay 6e a:trtM a Lr.• or FL--" Prtnrn•, rep. You rui." be rh. a d o:'erid: •ea r rewri-d bl• Ir.:. l':r rn thr rich :e no: imp. for. :a Jm-. prior rotor and r U*Lt :rimy a L r riolr.:o a'rn a •in%rfro lnn_ iwx fa n I Close uv Arcoa re: YoL rtrjdow your aaoeL rt bt•ra IWO a:Miy ournc: w R-Utbr: raNrtrnnr., At the. *v. r r ::i pro-Ads, addlio 141-R. Musing M art WOMIatian, a yor - :ear rrodi: card o•darg. pm b you arao-1, jetm-.rt Lc :e dwr it., ::r par klrp isswes smin, open. YJtal haiir w It nvjA=LpLjL,> J? V.* mw doe orsurerd for acgaLrt and evurrbMtoobursee?.a:are". and for art-amr,wenr'ALmnotndefa&. Accoua: ZSPMMr can be permelert or twvcxay. Y wLr account s dond orsusperded :1u n. 1 r Abp uUm wLr seed: cwd and xcow- Ii orxd A Ulbmr. c ryynr'tL ?r destroy aaaad: onk ad Gras dadlL and 1l pay4118 art0laas wL one ui wets r' the,.' :Lire draped afW -.he account vim dosed a'stwvrdld. Nwx do I Yak. Player U? Purr ,you nab :o v.::•b lac rr.d'md :o yaurrr , a: r the bu:rer. dryer vrekr h.. along r.• t1 wu send ite bo-en porion e• risk sat-rit and wwderk r :h. mdoM rrnitave nndope, ant _t :aLr ra:nrrr'r. -4s d in ere o' oar preradr g «vt- b: 5pn bed tires. mrr r a1ot. at rot i?1 hose, drp. for rust drixr; . halts rgr'arrt. r-Kh d bj in at a ry oivr beadan a r arrj other'orn rarj cwt be rodk.M r..f :he da•:rx r.reir dun, Lb you Proses PancwCheck w an noc uonk Rslds Ir, ndor?'+.riM yoL Ma'WL a clKd as r+lnem. wL 1UdWfte el and 0Ul*&Mr.S 444 :o list inbmason %M Your dud :o rub a an-9're *kdrortfud aardw Lion iau'dero dt acco n-. orto rroas ix rr mm: is a lock 7ameiat. Y:?m k:'e m rlonivoll team yvrrd id to nata an sibs.ranic lu1d .rau er. lsrds r1; bowltd bar te0r1 wLr deport accent at soon as JM Lira ", •rr reeNe war mrsort ad wL n'ino: reukr wLr dad: baekfmn IMW fbwxulieixom YOU auJlattatbr Is rot 11M ad lot' -he chat on :M dsck. ate rate nsLbrdt. and rlectmrtalli contr."rewred r%,r*n•.s_ Yk1LY I I f8e brtantrum jgT ! :ru are rn:hkd n bairLrti Pro:•NorL this -Laden Y.fo In•rnrion -4, h 1•. na: ar A-mr: to cal,- am- a sx-r a ddb: a -.barn. Co rot urd rn rycruvr.:iipu::prirg v,'!h :wr barlnsivt : atbrrm ortte C daa,r:rj C0Lrk.ayC0U or'narr.:ome:•VOLll Ms, A raray our barLrup:rrdars,- dir-+j. pl,- cart-..- Capiaal rxr - PO'Iox85167• F.i?mold. *e:. ZZ-OS-S1G? Lill r *K.. -.acorn-.WYrAARY aw: Lo: Apps x •rtieRLI.i- A-aa:ni 1 fir To Lb if You Think You Fbrd ,%Mk Liko on Your slalMgn L' it wu N rL Jw* is al MerOr yap sa:fnm:.:V1Je :0 US t Cary:alone PG.Cbr w.85 Sat Lab G:i, L- 811300.85 n alLr Ie-?L"u thv'doui o nbirmlom • ACCOLI Y rbr WIM Vb Lr plate and WCgnY. rLmbr. Odor atOLrt'he door awLrt d Jtf Pjq*cAd mor. ' pesQi`:ion W hobkn:lf yW 1** J1«e it as error w iaala' b4 duoba *W%at you beliro ! :moro and'Mri- aL Mine Y. ! a rdsab.-w nLS: cones u tstMla a0 da?s em -.he error arpored or ydr sax-. rem. `rbu our: rotiy ra of are roM+rid errors r witirg. You nay cdLsor rot/yubaebdx,butfyoudoU!mW.rVILNObimsmo- eanpo:M•ial Has ad wL rYy lux :0 pre JN amour. r Mastbr.:11111e :te WPlS:prtuheJttr'a i no: :Mle has beer at error. f?e •olomwing are 7w- t:e Ur rot 7t• -.0 0INC.IN ono Lrt n •Plr2on, or rapt: wL as dN vWt m:1ut arw Lrt. •'w do rot nsod to pri alyd Wsrsd mans ail WrAd bl.Hu-. shapes a rfes un9lre sent •yw a 110"lee about. J» outcome d our r'ari0xbr_ ''he darpt r •Rastbr nay ronan on wlr rarmert and Ue rW con-Am# b chame'tw merest a1 ttr. amour_ nr_ I kre de:xnM hava mare a mi:ab. wL aglb hu:e :o ray :M rtouit ! •Lastbr or art n:fr7i: orotW sin rlred A Jut anovt. . -:Ti wu d0 I10: hrae b r W -.he anOLrt n gUaS1*n. ;OL ere resporsi# br :M itr'rarder of your bJmce. . YA car apply ab ue'aa anOLrt ape rv w roifl: k1C Your Paghb 1 You too Llisal'siiad W Us Yaur Cod! Card PuMiaas. l ywl - dkutifi.d r,-b it good: a'wire: dwtyou hair nar i .d -.din yor.r rrMh card, and iW ha,'e tlyd in good •a!h :o -tt it rrobrn mite tM nrr.iuar you rq rarer dw rigor. Lie: b pay the r•..k*n heeler: due m doe parch- -e nm:hi: rWrt a1 d thr'olot-j.-t be :purr 1 _ rte....... nL::hrr bMn neh lr'y-Is-tta:•ornie 1, 100 nbY Of rose rant rufto addme ant d•r ryedw.• prie rl- hnr bvaa rlero :her ISO. M. -W&F- o' tMw am nrrecurr• M :sear ry.rlaevsn Rsed mar a+.-tL..:w maRM -o yaaL a r• am w';r it farnwmr: *Lr--a you dnr goods or nen4at. i 2-. YoL rerl heat usd :roar nlda rant for it ry.rrlar.hrcFat-. -.eats :•,iit oat ad.•uvo-. ion an .i'L• orr,•N a drrk tF,r..amroe }roar rod! pad arras: do rot gllrp•y.:.''ou nv.: loot }r: haLr irrr• rydd'ortM purha<.. N err of iv .Apple aha'• .rr. r- a.d •.ru av :ti1 &..<ai:f i d :-'rla ia• ra..hrr. cart- u: n rrrYrg a- Caphtl'uv P.G.r :02-85 Sa! Lip u:y. L- 811300:85 W ttlr r r iL 0ti ... iv •,rs• mb'. FT4- :o IR, dnruxd -..rt a: diner r.M ix,•..: fky r 'nMl err n-e:Igrioa wr::ll :eiiou ardnkan. At iu: Pert, i• rr :hitk }o I. sum ar arq Lrt a d -.- de no: rV ::. rep: suer.:.,. in deIinq_ ripl.tlM urppos rOwmion prIIa-iryo:octbr•'r.'ol.-bd:er. r.: ,-.,aprabrr,ron Capi:alrw i.a1MerafI rvO1-rvd -,'brnarkof Carl:alnn rlrmw brpeerim,Aa ribhr. r.arnd• ;AIACao:alnrr 0:01 10 Changing Address? Address ........._.._... _........ _..._.. ..................................... .......................... Home Phone_...........__...__.._..._...__.._.._..._.._..._..._.._.._.._.._.._.. Alternate Phone_.._...._...._..._.._..._......._.._..._..._.._.._.._.._.._.._..__.. E-mail Address _ ..............._..._...._..._..._..._.._..._..._.._..._..._.._.._.._.. Please pr n: acd'css or otlelle numbe' changes awde Lsi-y blue a blast 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 Lo Lhe paymeoL slip. • He sure to use the payment envelope that came with your statement. Using d different envelupe could delay prucess'ing. • Please don't include any additional correspondence. • Last but not least, be wre to write your I "igit account number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • triew and print copies of past statements • Pay your bill online Sign up at: www,capital".com Page 2 of 2 t• 11*403-1637 www.capil4one.com Feb- 22 - Mar. 21, 2010 13 0.n, in Giirrcf Cycle MASTERCARD PLATINUM CfXf f'{rr,-XXXX-1230 Cmcitlimt. s7 eza Av-&N-lhlo(red it s.Cto NEW BALANCE MINIMUM PAYMENT DUE DATE ash Cm(fn lima: .'i: rt to 51,616.60 5435,00 Apr ib, 2010 ;nailabk Credit nor rashc sere Previons Balance Payne ats and CmdBs Fees and tamest Charged Transactions New Balance $1,598.86 - $0.00 + 567.11 } S[I.00 = 51,66GCf TRANSACTIONS CONTINUED Your acwwt is 90 das past duw, and -a s Pay nent Proiccion menage, has bti n shtpk,rrck+d. ss staid in your Payment Protec ion agreernent you menage and nhonfhk charge vol be reinstated onro your arrourt k no longer 90 clay, post duo. You may still be dglble for bemAt to be paid to you account for loss ?: mts cle-cdbcd'nyour Parnert Protection agreemmtCall Sbm+iridge lixne n& nic s at t-22f %)7-6904 to yr it wur stuatlon quaNcs for berreik. You w ve azrsed a past due f c, because pr rninnnm payment xas not recenrd Ire the clue date. To avoid this ke in the lutue,',w remranend that Lon abn• at least 7 budrhess class lor your minimum pa'rmernto reach Capltal One. what's in lrwrr vrattet? 5CO313 IT'S TIME TO TAKE CONTROL OF YOUR DEBT. WERE HERE TO HELP. Even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? Please contact us to find a solution that's right for you. You can make a payment with our fry check by phone service or speak to an associate by calling 1.800.955.6600. L,tn(e su e Tau to 31 Far li-C a-OU'I rue 1:.1 V--ff a E'I: tA' the. r..H : Yr l3 r i- IAt tie. ri* lei°7 tha rx l C•F !fKpl r.:fa`ll.h' •'/'f" r. ij:: r•,: r,:A•.• nj1,/••,f7 ?.. • .A "..:< e. 7, rIZ•?.l a. 1 h,f 2 140+l03-1637 www.cc*tdone.com Liar'. 22 -Apr. 21, 2010 31 Dar, in [riling Cyd. h11HNUN Pla'NglT nY1AAlN41` :01. rule orh :Iw rltkrrl psvwr. wcl• Feeor„ .d. •a9 { w rlwe M t.ews. td I.:wB .dra ;a bnq.r b { w' o' wAr takra. Fr erarxk: MASTERCARD PLATINUM DDYS 3'S3f.)::ita:2830 Plyrent Ar1101er Each Period I` MO AFprofil:e iill b Ps5 oM Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE AddUonalChirps Are Made strereerrBAhMe roAl Cost 51,738.75 5527.00 May 18, 2010 I-Sriwl Parer: 13 "tas s3.GfJ 35 - F ;a. wostl LFe i lornaJor A&A awl. courehrg serta. CAN 1 •ooo i:6 . ,r• ., .?• • r ?r'• WEPAYLVWVO Wall: t:adoro:wcd:s:m.rr*"mprawn:b;'.vsrduedre. Cm Ir l lrsk: S71 C.CC Cash CralR Unit: s.'r am )ou rlar' Wawilo Faya s31.iu We `ee ax ;ou ArRs rw ile inoodw. sF :o :I•e PeMi-; PRo 21A'0'a Aeaik36k Credit IC,CG AvailallkCredit forCask ICa:0 Previans Balance PaymeBis and Credits reel and Interest Charged Tiansaciiam New Balance 51,666.64 - soak] 'F sn.1s } so.no - s1,7.3a.7 rr. i"•.: I' :' it . .....L °II: '.'•;,-rr_.... .;,•I?•' - .L.'•I? ••rl-I-' -?..L. r:.i:l'r?, Help is Available. TRANSACTIONS Just pick up the hone PAYMENTS, CREDITS & ADJUSTMENTS FOR SHANE A COOK #2830 p . Call 1-800-955-6600 and 3 spec ;. ly tmirM .=.Wii *il FEES be •lap3y to help yo- ,-bEck yo3r ba a i e z!rt2 TI3ke payTErr.s. I IO APF. I`As rl.r rrr ra9_C0 -o-.al roes -his Period 539,7 'oalr,k,'ht',car 52.5.1: . INTEREST CHARGED INTEREST CHARGE CALCINATION IR-MLS Cl :A MA:P6 P.CI YOW AnnUd Percentage Raft iAM is 1h, annual interest raw on your account IR-frail "I-AP.6r:rscl. -0631 1 sYa 1i; kdod 5•.13 531.15 Annual Peruriage Balance Subjedt4 Type of Balance Interest Charge oalln:rms:-li,lcar ;II9.Cl Rao 41PM Ylewrst Rmol PLrtFak's 223AS°cD S1.3Cd..5 5:57: Trmsactionc conliuM on p.•x2r 2 Due Dale May 18, 2010 PI ri\sr RETURN PORTION 671 MY L`1,4TFI PAYMrNT OR I OG ON TO 6ti+,'r1•'d.CA14 TAI LWr.00PA TO A1AICr YOUR Pi+.YMrNT ONI INF. 1 5178057271332830 21 1738750034000527001 Account Number: 5178-0572.7133.2830 Laver Balarm Mirinwm P y..n1 Amount Endosed 51,738.75 ??•?'.i?' Take advantage. Take control. Manage your account online at www.calPitalone.t:om • Va<e 3ayrnerts • Reviewa.-munt irforrraJon AQ Na'laye your eCCOLrit "i privaq SHANE A COOK 651 Y LISBURN RD APT D NECHANICSBURG, PA 17055-5664 I'll- III P- I -'I'll 111111 Capital One Bank (USA), N.A. P.C. Box 71063 Charlotte, NC 28272-1083 IIlllllrlll•-it111.11'IIIIII11,flitll1111•I•Illrllr'I1111111'IIII Please make chedu payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. SHANEACOOK slow can I avoid paying altooort traveana7 fad r-h •:oL pryaLr'a.•:r eaarm• in flit }rl1 rJ ra.•. a nttara pear. pded o' .'a drp.:dls no Ftrr«t rhape on atnv:v 1I prrlw-r, : n hiarm mrrd.r, ,n Tr'rLl prHw,.•. and as o:hot rharpa, If }ou ra.•. Is- pa;+g yap -rt in ha v:i:h ro ir..cr:: Hvgn arydl.d and',ou do Iro: tyre year nant bil fL, pursed in:aaos: rlacy: rAb. -AA -liar h ro grro p-d d or ra t ad-.r-. '{rrld ta3s1T` r, er on ary -, .rar:rion vJw :h.n• Is m anpatl balarm hors a pmian ba. Hm k the nLMKL cIwwW applied? wNw. dYljel accnM from Ite 11 drt of -J* xarsacsort :I dap tte 77rsac-Jon t potesW or :Ifier c ri ridar dal of iu Mg period. IrtMeft cluprt aqua at a wi Lrlairi 2rmur. Uen:t Rig Laid In fLl7t nealn}ou nw o'Av n:ner. ctargts tar d }W rw to M-.h* *%rw. C&rc r one monch brr. did rot do m for ate pletbLs norC'_ Unpaid rimst drapes am added 71 Me proper vagirm . of ro r AECOW.. L LaMdr. cant nm-ir in HOM -.o no: assess 1rorw. dopes r. ary -.pls. Do you a- • Mirdnurn Maxoal Charee? 7- A r intn .n Ih-EPES- CJ V.RZ of IOM alb bo rr••r..d for pad bMkn pnbd gar acco-t h .ubj.r: so an Fter x rrape. IIrY Ale! yrxl G.kWate the Irterese Chane? -Il.fr.na• amrral naFtatlOlY. 7. L•rd to de4rrnkaoy-o:a1irv .dsaW. I,'oge:•vur fat•eaLasrr•rorerh :.alaen:, IsaL. the b.rjndnq baLrro and add In rmr -.1orna and :hr p.rioar Fter.'s 4wW on -Jw F-11, •. day's hArve.: I rub7rt any ryrxre. arcs -&-. fa that mg- as of :ha: dap', -re -ad-. I,. la. doi!• bahnrr far pad a1•gn.IS:, le n. t}•ou paid your per is- rrorir's bahnr. F fia Ior r }oLr balarw -.v&.. edo or a mod: area st, Ixr,•taarlRactio-.- irh p -A a }ar prdae r:pHal predate ssprxn•.: are m: added x ttr dad bahres, Alo, . ar:orlon:ear. n.:ab)cr: b a oar. perbA are no: addedd b lr case baM.:•:,'e'nd ;m-A-W nail Rlliurv -1nadd Ito di4•bAnralege1w.vW`Idid.Ov,.o.rbytro rrrabor r d;z t it blip ryry, ' rs.:tyt• }oar-e:,d erm?:: diugr• I I nLl? yam atrragr Aaly biases Ay lore rlr}• px•riedr arse and ; I nd:ir.li lse r a.! a lx• mraber b dap:: in Mr 6ilerrj prried, as7'f• Ms :o neLrd`g a a nkiaLn isxlor. dsy, :Ids minn4tion rw: Tarr'fron tM kreros: Bang-raaatyasxa A Ilow can AN virlabio Annul PeRauago IMb 4M" dLrnge? "ar Aar. r'Iw inc ear or deaeas based or one of sawn st2rdad Met sported r I*Wat S7MJound. -o fed -.4kh lxlK k LSW bryw A=Lrt IoolLfor a cork r, L. C. S. D or h on jar hap. o-'tts Yarmwev: I1NR -A I*APPAL -hw d*dL lte tabs/ bmim- IwRta your Praenpe ft& (APM rides wh1rJl your nteb are brad an yaten wor Annual PenrYge Raft .11 damp p Omlry Fi`n ' rwrgin pmrirrk dbdotd In ym Ing. dayor 1n L Orrlaryr LOUR ' nigh pea - 4 drebaed b you long prewar 1ae c drab" W • rurti pwd )iw dloboaw lO yore as JUmv.Aps. 9 0arkold Piim • nargr pahlslyd•clmd!o ym J.k-it mohor, D tbl" PMW • rrra¦ rretlonly deebred a you Tar are aeyoa 080 r Mary UWR • angle peprbldydiad acd b yon rwrsdy W n G hoary UMP • rmgir ravd-rlyd•clarsod!e rm prod. M Intro: ddDonal Fier rsocialad with cry ar nou it? Yec. Lrdm rorLala rknrxar }an eery be r-,M a I.r.. or Rma-if trrraorr. ror. Vou ruyaho bo changed oxrwi, tiara 1 perm-rd h}• W.T. %':e n-..rr lx r1Ah :o no: mn:hr. -.-M r. prior retir and u•IMLt -irkag eL I dOW.-apes:. 4`11.111-l.xr_ Is- ra is I char Yr Account? YeL r ri ri-iour acre-t tr• ra Lug or ::Haag our L L,.sonar R.Ydr: n.rulo-rn%At llr. flkv. car ::A pearde aMlewidraa Wkadirsg pgrxrt won-s ion, a}ou L:.;oL r -dr. c,rd ord,,rg, pa: so your aamLrt ror•:DU Av.:o Hoa• k, rr rep karp }owrram: opor. 15ha1 happens it rryB Nd?'P.* nw' dos a'superd }row a®Ln old }nun MN :o obulp tied: r. ari 2" And for any waser. even r rail. ore W. in Maur_ Accoun: s ar*nsbr can be prrwwrt or -m s porari. a *^f lccout: is dosed orsutprded }W nun. I I OoP UW1VJ }uLr at* cud and aeean_ .r Cancel al a Lbna:k ptrartL.`n dK7o}' alaed: cards and man dxcis. and as pri at anouri- }vl saw us. elln r Be:' :rtw duorid aflr lw aaouw •aas dosed orumperikd '' do I U nko Paymrnk? Frrrnr.:you rwl :o v.:rw be rr•a:rd :o pnr-sn'. a-. *-'*0 bu:Fes:dpi car rrrelr h. at brig r.• 11 rot and tto boon perion.1 trt 4th.-. and •xurrlerk Ir :h, onrlosed r.nadar. orw4o a; arcs _I -t- r p.-r. L:-Ae din ore e'oLr phrasing cons-. k: 5pn baal irw. Mw, alas; r. bast 171 bw.Fos: day : for rsel doirrc. R•alyd r%Tvor t rvtok•.d br• 111M ari olrr bmaon or F anyotror brn rvri no: be -d-.od .r. of+c,rLr rr.nvm*r . Do. ou Fronts Pap CI10[ks At an Uocuonk Furls 7radW.. 'f1M }uL Pfe.•itdl a dud is prT'wet: }nL auitorae u and aragrrrs ti?nef :o us at'ana7ort ion your dtad :o rh& a aw-YV LMcdortfual -nrsrcrfion }w'dw.mr. accoln-.orto Mara jw pr,rmr.. K a dell 7a uwloll.?:'hn:n W 1'formrJon fpm }mrrc *&Io male an dK:mnk •retrl 7a Wn. fLrds rw be•YMdwAT from }mr dept[ accour r soon as -Jw ur* chip :!Y rtcelp?}w• rp4t'tert and }uL wino:IeOhY prose clads bxkfian }oufiMrxp1er77r5aL 'PoLf aLiwltsatbr Is rot kVAd br ate dre on :he ch*c L. Lye rrry rtabri: and dectlort A* coke tM w4rred prrnMx 1h1W r I f1o star J?pj?? 1 }W ar. mril.tl b baakrLlpti po:.rlon :Ns •eml.rha:laa'r.fa bt'elne:iaa onh: h I: pro: ar a?Ipry.::o med. axe. a neee:rr a alrb: a rears. Do rot cord in pwrs ::TArar.:prakto r,# ;pan barlnaIrri atmnry ortro Gxlknp.xyCoLR.if you or}oar.ramri roatl !e :o rarad ar barlnY.:ri rla Fn :error d`.rl} pka :. mrbr-rard:al4rr • PU 6oxf016' • FtFraend'•r:.:?S•516' r l M5 P.KIIRalLUYMM[r db•t Ro: Appl' ro arvaalaw•t. Arroun:ai Whad 7o Lb If You ThinlYW FM l.MkLMm on Your SL*mrLnL y }W OiPL :how is in Mvror :'our th:lr'wll_ :Vra -.o us a--" tatx:21ont MCeI :Eggs 5at Laken". L-811,00:8S n }oLr k-.m. ayes us tte'oBwAtria aroma5ac •.dcoun' rfonlriorr Vo Lr rum and Kdaat: rLnbtr. Doter H10Lrt:-M door amLn of ate cuspsc:W error. . Dwap9on o' Irobkm:agou J*& 3nxe it an snot an tarp bi dnat* 1AttatyW bebve t ;stung and uh'i W L btte;e 1: a 2 rnirake.''W mLr. [at',aa u;N:hn W dens alwr ate Mvl' appeared or your m7mein loll rw. .. rotfr' us of any pirl'ial snort t case. you nay call Ls or rotfFwbr•mokiti 1blr.tyou doVManW.rIMLbed b"none arir'o:ht7a1 Mon aind }1oL rnri have -.o pr:, :he arlolar. t 'K*dbr. xhteusr niK:FJrA;rteixr or no: :htn Isar titer in error. *a'olor9ng aw 7W: ?,v ca rrot 7t, :o mks dw JIMLrt in 11114910A, or rWW. }uL AS dtlltrusert an -jut "6rt_ • ou do rot need 71 Pay angdbpr.W anWlrt and wlr..rd Frxvs: du Pies or fm un.N ;w wed you a iw.kt aboLr. ate W:cams of our herigatbr. ''he dept r ?1A>mr nay rtnain on }oLr eatenert 2nd ue nw con:nlle b dtaeye }W n:elm at Ma: anoulr_ Mr..1 ar rN:emre isw;w made a ntdae. eoL uirto:112w co eve' :Its amour. t plutstbr or art, n:tars. orott'r'ees Wit :o:hn mw6rL •' dr iou do no-. hr.* m pw:he amoLn in wos-jowrut an rtsporhbla for -.t* wnarder of }caw' txdaice. rtr car applyany unpaid AmLrt aware.,vu•cwdi: Rht. Veur RtJtlh r VW tore D'saasfiod MJIh Vow Cndl CarA Parch,ooa: t tai rr Annifi.d r:1F it gooM. a :.rrec:lutyou hnr puHax.A x311 yeLr rna: rand and }ou ha,•. trill in good lath - manor la. probed adds tte nrrrha t yea ry her :he der.. no, ba pry tte r•nirsing .mare. dro an dx• prl--o ux lit rye.. age *t •ol-ing re,. be:rw•1. -he pacha a- -. hnr boon mad. F your here .. or .*l it 100 naa of tourruaort nalg add- v and tee prr+laa:. prbr -1. hex barn nor liar I.. ede:e-Wftrcr o' tress am ixrrur.:' r }ear prdaoams bard on ar ad-ntt.nerr.'.a. rsalocs o }ou a I' ar our :W mrtpaar 4a•. xM rou led gOOA{ er aertrvl i. VoL 11x! her aad':ar rartl! ryd for lr p rlax•.PLlcrasr. mad. r3la msh aA;,xxr, ion an...-1: o rr.'!F a cMrk tea: aRawa•a }roar milt card mare. do rot.par'}::.''ou nL:: ns: }r: hnr hey pad hrtre purHu:.. r .r of lr criaia al- r. rN: a M }ou are •.iq A'r rrdFd :rrh i,e per bra . mrtart u•. in a.retg a- taphiilon. PC, Doe =8S r+at Lebo Car:}: L- 811,00:85 i-se ndr. ar.p4' :e loo d "-.cd roman a•. c i--d orb«' After ,tie MYl ar nr::igaion ;:r :ell:eF.rou ardrrrdav At lva: put I' ur:lahak •xn. oar ar arron.rt aril :oL Ae net rLa"r.. rvr: epee. pear a Aefxryn.n_ eapralraa. uq.pa7 tlornadon pry' po:odbr•x.ol.rrsbsF.r r.,;•.:r;; and:abre,eon capbalrnar b a fMemLL npt:!mf ser;ir mad of e,ri:alnlar riranrial Cerp mien, as rh rr. rrer;.d• ;n In eardalRlr Wof to Changing Address? Address ......... ..... ................ _..._......._.._.._._.._.._.._.._.. ............................................................... Home Phone 0 Alternate Phone ...................... .... ........ _..._..._..._.._.................. E-mail Address _ .................... .... ........ ........... _.._.._._.._......_.._. Must pr n: acd :ss or phone Flumb • dtanges awoe Lsf•y blue at blac< ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: - Dont staple or paper clip your check to the paymenL slip. - Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. - Nease don't include any additional correspondence. - Last but not least, be sure to mite your 1 "igit account number on your check. i Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity tievr and print copies of past statements • Pay your bill online sign up at: www.tapitalonexom Page 2 of 2 141111- 34637 www.capMone.com MASTERCARD PLATINUM :K01X X,.- KK-XXXX-2830 NEW BALANCE 11dlNr.1UM PAYMENT DUE DATE 51,73875 5527.00 May 16,2010 Previces Balance Payneits and Credts Fees and Interest Charged $1,666.60 - 50aU + 67).15 + TRANSACTIONS CONTINUED ',ou accost is C da. s past due aid •.our Pa. nro: Proxdbn m••rrage has bra, SUPM,dcd AS sta:e,l it •ou Pzntr. Prowdon agwrkw..ou cwwagt and na,it d :xgr •Al to r+lriiA ro,cr -. r xcnu -. F. m Inrga w dat•. pr.: ,kw. *hu rut -IN be tllobk'or bm-ft :o be pad ?o :our amour: Jor loss o•rnis ck,sbtd h ar Pa,rx" Pr0:jor agwrier.-r-al S:oi*.IAkj, Lrre 1' :cria,, a-. I-:n;;,•5:?-6h:: -'o •.rv r .nr.r •J:utir, gr.?lri••. 'nr I,a,rfl.. oL ::trc assesstd a pas: d LO ix bxaUx"9lr nilirvin pa.-nort -.-as not wth d b ir, dw dax. -o a'okliis 'it in *o Ir,arc.: a'reaorxrrnl iu: ;ou ab:: atleast? 6,. iwt dat•. Inr •.n i.r nitirun pr.rxx,t :n rxli raplal ! iro. Mar. 22 - Apr. 21, 2010 31 Days in Biing (yd, Crocltlirnit Vrcro ;,vailalk cmdt- scto "ashcmcrtlim! S,TZ0 Avallalk Crrdl Inr rash SC Co Transactions New Balance 50.00 S1,7.M.75 500iC. Your account works differently now that you're 7 payments late. Please see the next page for important accourt inforrration. ft" t of 2 14818,258.919 wvjw.eapi1aIone.com/s,olulions Apr. 22 -f+lary.21,2010 30 Dar, in Bi1ng Cyde IMPORTANTACCOUPIT UPDATES MASTERCARDPLATNUM 51?805'2.?133283U Y=fLANlrcetrce.Ar;ryrx:•wruh-imi6ce;ocrbAece`dFettFj•d' NEW BALANCE PAYME11r DUE DUE DATE :ter e0r.'a-m.-te arour::rou ova rW a erI':m`.e snow. ir:oa:epearpnrler. aglanrnl. S1,81123 S1,81123 PAST DUE A allalAo Crallt• SC-CO Previous Balance Payments and Oredits Fees and Interest Cbarged Transactions New Balance 51.?38.75 - SOX + W2.48 + S0.00 - 51 S11J3 ;TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR SHAME A COOK #2830 FEES I 15L1;.• F.OS-rLEfEE S,nyr o:alfv,'Iispaw 53^lA -n-.Ar.o•'I•R'roar S2r -I; INTEREST CHARGED Ik-rrr`i r1-Arir11.rrI-A5rc S VEFES- Cl-Ar,.GE:C-:I• y-.- -atal tare 'FB FMrod S«:'S nil ln?m•--*.'(oar SI r3,t3 Help is Available. Just pick up the phone. CaN 1.800.258-9319 and a sriccial y :ia ned agent :. I be sappy to hP p tru the yci.r halalxe and rra<e patrnenrs. INTEREST CHARGE CALCINATION ';our Annual Parentage RaM iAM is Co annual interest rate on your account. Type of Wan w Annual garnage Balam Subjed to Race 1% Werest Rag Interest Charge Ptrcla ., 3.151c D 51.3'•:.61 516-15 -.r4 r?,? rov-1 S733 M r)N5r RETURN r-RTION W1 CMV ATI I PAYME'N'T OR I OG ON TO VVIA V. C-APrr VONr. (-.r-'t4cSOl UTICMLS TO war YOUR r'AYWNT ON INr. 1 5178057271332830 21 1811230034001811230 Account Number: 5178-0572-7133.2830 Due Da4e New Bda Amount Enclosed Past Due 51,811.13 SHAME A COOK 653 Y LI:BURN RD APT D MECHANIC: BURG, PA 17855-5864 L 11, II I II I II I II 1111'1' 111111111'11111'1 l h 1'111111' l II l l' 1111'^ Manage your account online. Aia 4's . www.abpitak)ne.com/solutions to rlan?ge YOL- daount on ire. l-are n=a-rntinon at yojr lgcrtlps 24,7 :nthout piL-kine up the :,hone. J Capital One Bank (USA), N.A. P.O. Box 73063 Charlotte, NC 28272-1883 IIIIIIIr1l1.,11111'11?1111111r?11i111rr11?1r111-11r?11111111'1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Wow Can I AVW PoykW nLerwL CIM ON? W non:h •,nL rre'Isle •9.ax Cdtrar in flit you :,Al ha't a nrream cram roriod o'.S,Ares wth no FMin charm on tlixte 11 Pwxhnm Ir bAirm *ard*m :i rrecW Prrdeastl aW t, offer dum@L l ,ou hav bemt rrfln YOU acraLM M eldl W% to Ner."w deaeyei arrksd and ynil do na. pinow nod bd in flit rrwwW nawr. dwooswAW almssd -hen k ro firm rirbd or cad adrarax srecid tWw'mi or on ar'rwtr:lzrsxxn ;,Ater ion k an,nrad babru ion i rieeoA bit War h the nl«wl OwnM alydied? ktrer:: du qn arrw }o n itr it ds. of ?,. -rarrian..I Ere mC 7RrAri«, i. rivrrrrd « ?ifkr: tad.ndar di o} iY 6irq rnieA. Irwr.!t rhalpr! ann.Cone-,m•,.r r iM armour. un# i h rid k, hL?b rwam.•?ou nsro:r• M:rxr. ehrrq.! 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Ivr.•rrl Arcw,re krnr.:, h:• rlrrq.: r,d stF« rlurX•r nigh: rhirgC',vn de,: to day ,r, Moidrd k, yo,rra!.e .vrmrwm iw• r, rtdtw or :h. dr' yvu r,• ry be, Lrry«.rat -rtrl..k}vu rR•iw ano Lrt Bawd In*L!v-.rRVr_ w,.r-oter. r*.*r.to hrv a bait, ret• a}wr :our rzn•xrt k wr.Fred.Alo row:hn it orwxrr: :OL p;o ns dF'rr cxt' •rrwr^d &-W -q- rr,Tw t a,rarg-I.Pbra raliv- ri.r,b.ror it fortd I. ..U-rtforare:RerPrv".x,eLrr- liar ran rr,yvariabfe Annual rwr«ruve Ibb j". rhange+ renr APR mv?- kr,rnw or drrr•ra br,•d or en. of M,M aendwd Fdear of-d i 111, i<,:?-:- , -o fM :rhkh Wk.hL:.d br•iour -M look for aro& r, i. r. a, n or r, on iw few o' *a; •ar:.rwvr. next to iwArRr,, -h- dark -Jr. kdA. W--- AnniaW Coftnewdlovow RON WPM Ir,dnrrhbh year raeoaaw bawd on V~ your PaatteeLle? mollrawale P aaarbrr PPM • r02er PRybrW dkdOWd b?p ThOMOVoette L Q.." LDMt • rmrkb pd eir cl bod to you WPM PorkdR Lee C b y Q,rtor? CD • rrab pwtbuelyd -k d to yor ie Aeonory.Ape?. 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Mbleke On Yeur Slel«nrnk r •.vu 0i,L -.f- v ..., motor ype •.tr.nrnc raEC :o Lr. r. tarrAlaw P.U-Cee, =155 .ark Lake, Ck.- L-15.1-00M In ,."I-, qix m thr 4,W.ri„q Wornaiorr Arrpar:k•ferrwioer YeLr nw,r and rre,m; re.r*b .. Deaar - W-1- debar amoLrt of iw ,u•.r•e:ed mor. • Drv,if. ion r heibl -Ifyou idr# i,»t• h as rnor m }vw• b; dr!rrly Wwet yarn brl ? i. torq aW rd j',V L b4k-a: k. a r si:r. Ye,. rMY.t' . L! -.,H b, 60 de,,- A':rr:IM rnar aN-M on :OW'.-gw- Yo,.rart,w.w m.d ar: ra..nialm«<ka ?.d9ry YoLrare,.-ran L•.orrota mN.nvniral, bu: i' yoL de :r. a. set rMiird -e kra-.iy:e a,tr ptw.ial Cnm and }ou ray hn• w re,: ix axwr. F rry.:tbr. V.16, r In,"bo:o nhrxer or rot:h.rt• Iw t- .m m«. me, 4 w..ri,y aw •-,w- ?A rarrot -xi to cork- iw rw Lrt in T,M.im or Mr- lOL r. Muni..-I on :hat wo-t. •-h-dag. Itgwtbrr rt-tin Cripi.r r:awnrrt• and r e, ns• -ha wrhsgi•y- atIt-aroeor_or.it-dr:.n,tr iwtr,:• rrd n.a nk.#r. V,LnMIWtIJr• :o r 11rv!- onour. i gw••abr or ar: in- orothn Ore wLrtd . slat rw,. rt . ?T!',W 40 ,o: hear' :, rue iw -rt n 1,w!ion sera t t• reed you a noiM ahou::ho pi-r d -tvrigntbr, }vu are -w-J b'erttr remand. of }Demo boLmrr. Your Mghs r Y- Aw ObisAkfied WAth Your fled! Grd rU,d-e, if - a. dkutkfrd v,* iP. goock card r! 9,aty0u hilt' MnlW-41 radr yOLr rr.d1-=tL .;W you ha. trod ha geedakr-e.orm"tl.r,obkr,.;fir *rrwrrhan:.y--haveiw rightnawi 0e, r.rwninkq armour. due on ire MxdLra•, -o wr iii: ray,:, al r trr'ob-.rkq nit!: br:rue' i, -hrrmdwa nu:hre beM ruM 'rYWrhorw:t,•r orrihi Im nl•r ofyom rw,rrt rultq sdd,rcr, and the rLe.lu:e rrkrn..,-.1 vh-mooltar L•n• ero:r-WOkhrro'thew am,vraran• % }our rLw:Fewt;er h ,rd m ar xl^rrlLera«r.:» rLdkd :o :our «'r rt• p•:r it earg.rrctha: •rtl you iw goedr or wn•Lx•r,l :, YeL eau's her urM :er,r milk red for ia. rLwFaar,nido,r. rrtM rid, eadi rd:awr! ion an A-ad omit a ehrrk da: aterr r, rewr rr.dk rand reeun; do set rPial':; -,•'ou nit!: rw: }r. lkrv'uk: rtid'orthr r1w.r, 11 al of :M .rirrL, abv,e a• re,: aM •.vu aM !ik d:!arrkd :ri:h iw rmrhra. rarw: u•. in :rrkaq at• CaldalCOr P,n.Dew 7m4r. tart 1 Jeer City a - a=1-A; aw 'r.1i. rv F,•.!tha:•, ir!rw nit. am'4' :e iw dkpLr.M rwl.rt.r. dit-d rba•., Aferr •e'ink+ o r ka•x•!-kpletre. v :va -r!•ou prdrrid«,, m :Imo r lrt i' ar I" }v L env ar ,r,olrtad-t-CIO Imo:part':r.r twr«:,w,mde,n n% casino srm:c rbmayon Prkaci Ixo:edbr:see oLrwebwe r. u:mrariubn.con C&M-jlorw kafederA wgk:tnd wnalmarkof carraluw rrwKW ratroro-jon. A rails rtstrod. :010 uM11olw _*Io nx nit In To charge or update VOUr address pl?as? call 1-800-258-9319 Or Mil www.capitalone.comisolutions (L) Now that your account is 7 payments past due, the changes detailed below will apply to your account. Hopefully, these will make it easier for you to take control of your finances again. Your three s sill c.e and we'll contact you soo- (erect v o, t••o.gh a ccllecjo- agencvt to discuss opticns fo• -esoly ^g your debt You are responsible for paying the full balarxe on your auoUnt as we as a-y associated collecio-s expenses, attomev fees a-c tour. costs ess the aw cars not allmra us to co ec these amounts, a5 p'o'videc n your customer agreement. If we coninue to send you sta:eme°ts, yo..•II nc:v -eceive therm clmiedy instead of monthly We may cc-f ^.e tc report the status -of vo., accoun::o the credit W-eaus, „n?ess prct-•bited oy avy VVe may ZIso report when you, acccun: is paid cff Flelp is avaiable. WP nwerNn,d iha: h: can ba rhal Pririhrh3 :o -n,,naN y(xir h^arx:t. Herr curt tfrrPP moortan: =act about ;cur acccun: that nay hell make :easier =or ycu to repay your ba ante. 1) No more compound interest: This 'neaoS ;°a: `uwre -lerest (harcies soil -ever at•,nhe inlerest- ma< nq it rashci to pay dons- yo-, ceb: -'aster- 2) Highest interest balances are paid first: "our payme-ts will go to'r.'ard the wlance with the ghrst nterest rare first-autonnrcally saving you rro^ey *hcmvcr yrtu ma<e a paymcn_ 3) Regular payments will resolve your debt: S nce yo.r highest interes: oalances get pa 'c first a°c vo-r •nterest -doesn't con-ao.nd, making rec,.lar psy•ne--.s will get yo..r bals-ce oaid Call 1.800.258.9319 to discuss your options. And -emenber, yo., can chec< yo..r ba ante and rnake myrnents or, ine arry Jrne it vraew.e??l i;abne.cmr?so Voris. W Help is available. Just pick up the phone. Call 1-800.258.9319 and a specially tia °ed agent -..ill be happy to ^elp you c?ec< vcur balance, make a --iavrnent and answer any q„ esions you may have. ..;2010 Cgird ! lx.: ! r/vaa U- a• d.5ue•r„dlr ngi rrr.•d ,erne a Wrk..i:1 rip n• r:rersr . I C-CLE A 221 CAU1 _AL ONE CYCLE FAGS-'MILE RYi'OR'1' 04/22i'2'C1O - C5.!21/201l LACE 325E ACCT-IL).1C00325: 912 C•ARU 5: %d C 5'!2 %13_'22'0 S'1'M'1'-'_Y E: ENGLISF Ks!9A:. J": N '1'.C: MV FOLD: C00 S AC-PCM: i'RE:'-BALANCE: :1,'1_+8. i5 i'YMTS&C:RL:'1'8 50"CLl 1N':R CHxCS 572-42 =RAh8AC'TIONS: $0. 00 NEW-3ALANCE 51,211.:3 K:NIM-iM UYM'T LA'-'Y YEh S33.O' L'Jk.-:,A'=H 06;la/2010 C:11'li_1'-L1K:'1': '150 C'RED:'T-ANA:L O,CJ CAS'A-L1K_7' 25C CA3F-AVAIL 0..0 HYA'i-TO''-KTFS: :50 HNA'i-'1'O'=COST $3, 622.Cc" J6MA-MTHYA'i: $6j'.76 36NA-TO'TCOST- 52.403.41., furl R .23.68 IN'1'hRES'.-'i='? kEE-AMT- Cl'U: 533.0: YEE-AK'. -'i _'J 52;6.-. H:CH-LA''-Ek'EE: :39-00 H_CH-L'NL'TY-Ai'R: 23-4C4 ^..JERALL-AL'R: 0.000 CLOSE - L'A'TE UCH: N MISS-AD:-K: N AK-HULL: N : MNKK::L''1'C'Y: N :,-'CAL: td _E4: N S'Hi'Y: N ARCH: N KkALSON: C'J F:AHL`CUL'Y: 04 AC'_1'l i' WATC•F: NO CKEU-K:' K: Ul) C:::t-YU: C i CTC IND.- :NS: 5:'I RE'L'URN-MA:L: CLOsk CFARCED-OFF: Xl- k.R: YRAU:.: C:.• 1: K.ULT--iN?: S YKO'J -IU.' CoOC'01 JS i'ROF-C_t=R: '0C00C0 0C1 COP- EERY :CE-C'aNEH: 0000:1 Mainat:C^-C CL-Oi''.1N-1NU: PEAL C•'i1 3ALANC's AMOL34T RAT- CORK A=R :NT1 XLSY• CHKvs 8FA3E A COOK L'll=chaaas 0 0CI C'1 -.3'14.61 CL?.C614:0C 0C23.15:00C00C 226-15 G-=l H :,-SBUKN RD Ai'=' D Cash +'.3J KECHANICSBURG i'A - 10=552E4'1- S 0OC2 C1 325.42" CLI.C63420C 0:c3.15C'00COOC •1•:it YSAC•_1LiN DATA 3::MM.4RY NAME: SHANE A COOK C'JS' '1•'-'Uh: 0 L'K:N'1' AREA! 00: :SUM 01, CKk.U l'1'S: 0C AMT .^,k CRLUITS: 'y0.'00 =s C : 0 C AMT 01- 1'YK_s - 50 . J0 _4.^, CREli:'1' _'RANs AC'1'1 ONS kOR '1'F 15 C'i CLE NUM Ok NYK' NAME: SFAS A COCK CJS'_ 't'YL h: 0 UM-NT ARi:A: 02C NUM Ok DEB-TS C00C0 AMl' Ok L'EE:'1'S 50.'00 NC LisHl_ 'I'RAN SAC_IONS FOR TATS CYCLE NAME: SFAis A COCK CJS'_ TYL'E: 0 L:R:N'1' AREA: 07- NUM Ok UEE-1S :0001 AMT Ok UEE:TS 53y.Llp 'I'RAN L'A'PS REkhRENCE NJK3EK MERCHANT L'ESCR11'7'ION _RANS-AMOUNT UOSTVATE C'!:: PC CARL` NUMBER 0!?18201C :'AST ACS FEE 35-00 0-182010 ? N !?172'051271J3293C' NAME: SFRN A COOK CJS'_ '1'YL'E: 0 UH:N'1' AREA: 05C NUM Ok UEE:1'S . :'00:2" AMT Ok UEE:'1'S 33.44 TRA1 DATE REk ERENCE NJM3ER MERCHANT UESCRIL''1'l ON _'RANS-AMOUNT UOS11i&M C'!" PC CARD NUME-'K 0.:12010 INTE:tES'- CFARCE:1''JRCHASES 2"6.15 0_212010 1720S'12'"r:33293: 0_`c 12'O1C INTk.RES_ CFAROE: CAS F: ..13 0521201C =1:+8 05'12VL23 2 930 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - - of Take control of your finances today! Call 1-800-258-9319 to get up-to-date information about your account and make payments- It's not too late. Call now to get started. Page t of 1 11-81114394"1 www.capita lone.com/solutions MASTERCARD PLATINUM 5178.05..2-7133.2830 NEW BALANCE PAYMENT DUE DUE DATE 5969.22 5969.22 Past Due Available Credit: S0,00 Previans Balance Payments and Credits Fees S1611.23 - SWNAD + sow Mr . 22 . kq 20.2010 Impwmr ACCOUNT UPDArEs ou'?Ilalaiae h dse. r: patneN toe nA* t%9 oduae -oxr balrce ant Fek rar e' ?nleh'asrn.'k rmr..wee nay direr f aw:a er:ernt bn a sgwre r4rw: agnomm '•ou akca.nl h urrabd t ar ir.em. xat rrr pvgwi. Interest Charged New Balance + 537.68 = 596.22 TRANSACTIONS PAYMENTS. CREDUSSADJUSBAENTSFOR SHANEACOOKar2830 I ;RU.N r•irNre- -530.3-1 'CXtI FEES -ntal Rw.11ir. rai,al oral rein -hi-Vear INTERESTCHARGED I ;' tWe NTfIS'r"I sF?3r 251LlI 1I-EFis-CL-.r6E 2oJLtl rl-EMS-GARGE .30 II.N NTF7i-?I•J:r•..;r 5 CI ILL II-EFiS-0-A.VA -o al kWrtnt -Iki Prrbd -nbl rr:ovc: -f k.'re x Help is Available. Just pick up the phone. Call 1-800.258.9319 air a sp2r a ly traroj agen::ail .;e harpy to FAp yoi, ci?ck rmr 6a m ? arO :'":take payTPri. SC.CC ;26'.12 .s'.5:, l S3C.iil sl 61 INTEREST CHARGE CALCUATION sl.i.. ',o?rFmkral Rrrcentagc Rat L-PIp i :I? amu? 6rrr<,: rra ar .our aan?r:. Sl..sr. ?.nnual Itrcmtago Balance subjrd T4 of 6almee ? to (nrr•5 :o Mares: Rare mtMk?t duror SI01.11 WIN-51 roxing 1^^Wc 11.";.0 X7.65 N rASr RrTURN r°C?Rr1ON r,rl Ow r:a -n i PAYPArNT R I C>< ON TO VA"W.CA.PITA3 QNr.cm-1-3CA UTIONS TO MAKr YOUR PA.YPdrW0 IPF 1 5178057271332830 20 0969220000000969226 Ca 1fa ? Account Number: 517" 2.7133.2 830 Due Date Nero Balance -.noun EntlmM Past Due $969.22 SHAME A COOK 653 W LISBURN RD APT D MECHANICSBURG, PA 17055-5864 r Manage your account online. wwwca0ta1onexwWsolutions :D narrate p•OL' auo:. it on ire. 1 we iefry-rnatinn at ,?0ur t 19ertip5 74;7 cithcut piC<irx, uC t-e p-ore. Capital 0ne Bank (USA), N.A. P.O. BDY. ,3063 CHARLOTTE, NC 28272-1083 :11118:L.I'IIIhIIIIIIIIIIIIrIrI'1'IIIIL"IILlrlnrl.ll'Il-III Please make checks payable to Capital One Bank (USA), N.A. and mai with this coupon in the aneosed err:ebpe. I bw is tfw trrmst Charge applied? t Firs: d wage, aecruc fren tK, 1 i dxt o' Jr. rx:Inr; :rJa:,: Jr •rarwm it prnc,:•:al nr3r l::rikmLvda n'JM biiq pcrlnd. itnest dwrges accrue on e•vr' urpaid arour. urd F. t paid it A. I b :. rr.: x resrr Joe rijd .o ro: asa,s imem ctarg., a: ari• Jne. I law did you Cdalax -ho Inters. Chmp? 1wk are sr•eral cakulaJons Ter. arc usod .o ,k• .•rtnix',our .oral hints: dwge. I . -n V. ••-mr rtk Ralaiw: 1 i :..40 :Ire until: LaLrnco inn '-A•h:r :Firer arcnut ?trged.off..i for cart da: attt anttne. iw p3.'nont, atdts, ire adius:rh+rl, as of 14 ,4.. lie rat. is*c dbt-imes hearirg balance. -n Ord :ni.r krraw f 1}. itao•2 roaring Ralaw:: I i aekl tl'o eh k- Ira::: Iradrq bak3tnce, :ogetta and 2i dt'idt :he srrn hF' iw nnbtr of dr , iw ittrest rare •.:? n 3. h??t•tri::.:.feria twat:. tlurq-: I i roLkipk tna .r.:raga Jaik Whrm le. tfo JxF; p:+riodt tae and _i ritd*- lw reAll: b•. tte nunber of dr. s tte in:ee, we -.-as in of k.. iICT: LWe:o rounding. balance a4us7winm or reamed prrh+nis, *1;,aiabior Fir' •: ar- inn Jm WW A drags aCtiAt .n:o•.:al. Is the Tayrrrent Di e° a payoff :.mourn.? f lo. Alkard amounts re o:•;eed on tit da:c of Jr ::,tonr.r..ln:ra.:r, i.•amrr Wrc-t LAt dwrgo•. and nlvr dung:. niglr.d'ango *on da-:oda-wfividedn.vuaswieragreo ner- Jnca ountdutor he dr.:or pa.•na'-IRlager. For a.;anple.if :oupa ..Joe arimits:a.dIn lisz crh+n_ our acmrn: nigf: •J, lu:ra Wlartr at.:r ••nl.r pawner: F. momA. Mtn nKe th:ire rtoux'or,o:•;crix..difer'rftaa'Ycrrerdto aa+para:epa.'rwnrrargener._Pkascc calIlw ru rrn+r or Jit 'ro nt o' le i rmer: for an c:a:t pr,oT arrow. Are -.hem Additional fees associated will ny accout?'new undcrrrranciansan. am *IOU nor: be assessed a Rearmed Pv ricr: rde.',iou',.m ko IK Kgwpcd to px us aii of mar aawlmlottim r:.pnnm:, a::nrrwr.: kvw. ail rmrl tnt:t der k:: JF- bw dew.. re: alb:: Lis -.o eolde. im, amLrsreserr to righ::a not assess thar. prior rot x and -*ou..: dung our rigl•- to assess a shim lee lair. Ibw do I Walr 1147nents? Pawners : W nail:o CaptalCne -.-A be 7edxd:o -.our accoun: as of lot bruins dr' lme,. are resf••ed, r, brg as: I r: u .erd:lit 1,07on porinr n-.*..::x:axvr: aml:mr dwei In Jm mein-*d wit- zrrr w.-4V, and 71 .mar pa';ntrrt'r, retef ed In Captal Cores processing corers b" j pn local thc. Please alk; a: Itas: some d-r busiress da'-s for ruliddlen.f'afled Pawner, reert•al b. Captal Cnd a: av.- nJw r Moire m In a n%- nir• r 'rim mn. rn: Ls t c,1:.--l r. of tte dr•• Jm: am r.mh rel. Do you Process Paper Qddcks as an M Wo nk funds Trundler? ;;Iren.'os pw,kle a rJ•ocL at pa•rnont. I^ ai.Jwkt M and nun.gat: oiJr• r :n cu in'mnalnn fnn ;mar ded.:o nakc a onearx, cl\:r is furd -.rarsi r ton -our depost. annur. or:o process Jw pa'-rwltas a died -.ransador. ;;her :•x use irfornaior'rm roudoed.to vale an dor7raiir herd Tar:kr. ',ueh Fir, LF ••rthlu•?r 'inn •m.rek'D"•iarrmn: r :mn.r.tl•o srne dr ::c rcci•r :or prTiow and wou twit Iorreceir.'or lockbad.fon :our irandal immion.'rouauFortaJor is no: hi-.M V-lit Jafe oniwetod,.;a nr' mut,n'r. and rbarmrcalk mkr::lm m]irn.l pr,n:r:. Mix IF I Ile for UnI&W.cr? I our re erdW :o lanlrulr.q-pro-,edor,tl'teonnunk- aim i. Mrirfnrnaier ror•-.r. k nK an alrrnpt:n relent re'ef'. m mn+:a a eklA m ebtn. Do row srrd w pr-rh+n.s ::ilou spoiLng ::i-.h tour barkruptr a:brre'-a tte Carlrupt- rout.I'.rou I a r ques:bas al oft ouraccort a Wrlrupt; poaeding. pba:o Frr carer a::mn•:•- mr:aR u:.1,nd. m wren ,r:mno-+. •,nriJ Il::n mraR n,r bankrup!c.• dains seeker dIII please carat: Captal Crt' P0_ ros:316- • Ridrno d.':.:3255.516' MLLING PIGIfTS SUMWE rfbr, Row W.• :o ;rral Dmir. sAccoujti Witt To Do If You TNnk you Find M-.*c on 'four S-.wtmt: 1: ou tFink ttere t an error on wou as-.Qm t ::Arc :o us a: rapiA Cm• pr. CO: N20 SatIaLeQ,.. t-a•'IN-U&S F :nar bla. gkr r t 1w. An--ring inn Winn: ; -oun: iiornatim'rour narwad woo: nrnb.•r. • Iclbr rour::'Iw Join x3ount o' ire supdenl drta. • frtdpinn nl hrd,kn: f:nu tFH. tfom i. an :rrnr m ;mr bll elrrrl,o ••,?iz::nu bde•r is ::rang and . ou belf: •e F. is a neab.'%ou rrrc: mraa us -Ahir 6C Jars after Jit error appeared on, ms-a vrier:.' our nrstno.1% us of jr. po:ntbi onmr. F `rdJnfF.'mc na%-call i.:, Wtif :mi J--.v: ar, w. mquimd to ire nJga-.? are, powial arasad tan na-lnrrb pa--:Ind rnoutir qu,-Aion. ;;Irk :•x irv;.igale :•;FClwr OF rot titre Iws beer an mor. iw follr.Arg are uue: •l:oavrnn:7 :nmloctJrMALKIn qu'"'Jnr,nr, +Krr.d&"r4tm*a: anour:. • 'rou eb ro: need to pa,. jr.- d'epuld arouns and rebid in fLA dwrg., or f.+:, tail aw urJ -L a rn71r atm.-.tfo mtmno of mr n:r:tlga*r. • -he dnrgt it gx-Om nr. rerun on,'at saener_ and :: a nat cothR :o, age ,sou ir:ores: on:hrar30r.r..Cut V,;e kvrnhk Jra :•x r",a nbta4t. ,.•ou ;tiro: Lawn :n pa- lm an nut Ir qut-Am Fir ar, n::m:: Fir nir+r 'r rob:oJ :n 1Fa: arorrnr. •;;hik •?Ot do nor her m pav ik rnott Ir que,Uon unit::e seW.• m a treat about Jw ou:com o' oLr 1r• migaian. ••ou arc w9missilk 'or:Ica mahler o' • our 1e31awo. Your PSghis IF YOU Am Dissatisfied 'Aith Your Gmdit Card Purdwses: ttm am JF.:at 1W ?-..41- Jw Tw4 rrwr:'k.•. lw: -,m 1w., prrdiatki AF 'Firer arm: card. andou tar UN it good fatdn m area Jw probltn :•.iir lie rordwr.. -our nor: Iw•r Jw ripple no: n p.. lie rnanng arour Ju on lie purd'asc. -n L•.o tl•k rkdlt, All of Jr 'n1M%riig rn:: I* -jw: 1. -to pud?ud nun. lwe beer nadt In tour horn axt or '.:iirr I la, rile, of war curfatnairg aWress, arJ lit puduw prix nu. Iw••e IX+er nore liar SSCAo-. m4lmrnftirrao rm-a,r, it-Lr?pu_d,Jwd. cads broJ man a4.-; &wio na1e,1 wrou. or F :•;e o'.:r Jw conpar' irat sdd wu ire goods or ser•tts.o :.'dou nw Fw•r we,-%;r cic& card 'or iw limlase. Purdrasts nade:iiio cast aJwnce, 'ron an =-t' m :with z diaktFa7ato::::•nu arrlrrarJ ami.r Jn rn7 quit ;_.3.'r,ii nr:C nK+o: hrr file paid la $C prtdwse 1 all of lit cteria abo r are rno. ad wou are AN dissaisled :•.t.h iw pu dase. conw us it ?:rtnga:: Capcal crw P.C. Ca.: CM Sat lake raw. L- J I;C-C21 ar ir:r•Jg&. JK, tan% ndr. apYpk to Jw. dkpi.-eJ anmrt1 a?: Jttrr.,A abn'.r. ?r.:Cfirthourir•es:gajm.,--;e ¦A-.ouolr"Imt f0poir_I--wtttrk:ou o:•x ar rmur. and •ou do not pat .-.c na•. rtpor. war as elelrqunr_ Capral Cnt.uppor n'anaJon prftc' pro ardor: see at :•;elsir a: •e<r.:rapkalnroinn rap-A Cno i.a fednab•regl,::mJ :echo rurk of raphal Cno rbiarcbi[aporaJor.Alrigt,reserrd :61C.-AptjCre To change or updake ,+our address plcasr call 1-800-258-9319 ear visit www.capitalone.c:ommlutiorm. 01 ') Take control of your finances today! 4 Call 1-800-258-9319 to get up-to-date information about your account and make payments. It's not too late. Call now to get started, pap 1 of 1 1400-2564"9 www.capitalone.com/solutions MASTERCARD PLAT/1UM 51-8-0572-7133-2830 NEW BALANCE PAYMENT DUE DUE DATE $1,014.33 51,010.33 Part Due Available Crod it S0.00 PFCV10n5 Balance Papneets and Credits Fees 5969.22 - 50A0 + 50.00 TRANSACTIONS PRIMEN75,CRED17S&ADRISTMENTSFOR SHANE A COOK #2930 FEES -OW F,%,s-his Period SC.CC o-al ret 7is' tar S x'.12 INTEREST CHARGED I CI SEP 117FSS-CI-I,F A SC.SC 2 CIO(- 11-EFis-CI.-.MI: SK.:. 1 CI kr-•i rr Pr`i rI r Sir,% k''? 11-CFiS-0.16 Sr, 64 Aug. 21 .Floc. 20.2010 IMPORTANT ACCCWT UPDATES ?'ou •LIIAmae lsda. ?rp lw;rwt -^ rmke A nd= poor Ailarce"Ir+ lay &, .ae nlel: `aster. -Iro Tar. •,.LL aw nip :RPM r }Uu'.* er-.ererl Imo a sq)ari:e miner: arwerunt. Merest Cbayed New Balance + 5!1,11 = 51,01033 Help is Available. Just pick up the phone. Call 1-800-25&9319 an a 5p?; a ly trar-ed awn. voil °:e happy to help yol. cip k -. Illr t>r, an; P aryl M310F payTPr-s. -o?IhwCrli PerioJ 1:1.11 INTEREST CHARGE CALCULATION Lill t:a+: -Fk'rcar 119:.:1 ovAmual hr:cntage pate d-.PR) Bia arlrwal inxrr,. we on .ow Kow. T. cA Balance .'"J1rIW1 PercenUW Balanct• Su*d Pa's Om M nitres: P.&C Irdomst Cargo I nlev tearing I n nCC c 1 .X C ; I. 11 M E-,,Sf' RrTURN FIC) Rr10N nrI CNN voT1I PA.yPA rNT CR I C.Xi CNJ TO l'.bb1S'.C.A.r'fTAI ONr.cLwiv.5aI UT10NS T0 hLV(r OUR NNr PArNT CMII iw 1 5178057271332830 20 1010330000001010334 Account Number: 5178-0 2-7133-2 0 Du*DatL Near Balance ..IfourdInclowd Past Due 51,010.33 SHANE A COOK 651 W LISBURN RD APT D MECHANICSBURG, PA 17955-5864 Manage your account online. Ys': www.l:apitaittnexuWsolutions -.o nanaue yon • a:.CO:. It Wire. -lave infO'Frlatinn at eJUr I'ngertips 74,7 without 0c<irx: uG re p-ore. Capital One Bank (USA), N.A. P.O. 80?: 71083 CHARLOTTE, NC 26272-1083 .11111. 6'I'111L111111i11111.1.1.1.1Jille,rlllelr,„11-IIJLIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. I lea' is the trtnest Charge applied? l•:cre,: dart}, au ,e fron tiro I I date o' J1e imr •:Jnr, 21 da:n JI -far w1m k p we....- t1 nr.31 kr :calerklar da'-n' Ja IAiq prrGKl. W rca dwges accrue on r•er Lrpaid anew urd I: k paid Ir =1l. I w reser'r J1o rk le :o ro: assess irr r. s: d'aryL, r. am' tile. I low did you Calcuke -.he Intres: Charge? -htk, aw s,•••eral cakvlaim *a: are Lsed .o de:ernine ,oLr :oW ireres: dargo _ I . -n gP:,nur rtaik Ralaiw: I 1 :aLe Iw amen: Uwe firm ,tlur ,nLr arc1x11t darged.off.:1 for ead• da; Aer, albtra--. Jk, pa,•rnent, rredE• and a4w.nevs as of Jig dr..lio real: ir,do dal, irons. Leadrg Lalance. • -nIF rd •nl.fl:.rrag.,r.*.-huntre.Yitgkkmw:Iladdto d:t-lr:M:••:lowirg balances:oWtter and .1 &*it lie sun b-Jk, rLrb r of da,s lk, ivrearate;:a In e'k'C- .3. r•.tNa:: +nLr-ntal F-er•.: elLa g:: 11 md:ipk ;mr x.-, V Jail ' Labrtr, 4. 0o &V periodic rax and _1 n&*..- lie real: b, the nunkr of dr. s to '11117.0 k--. we :•as in ef1r.. trT Dut :o rotrft Wloxe adiu.xx s. or revrk3d pr iciz,tti;Calablior na,- :'ar-inn Im ltermlclLarga 1i.llk xtte•,^L Is The'Paymont Due"a Pzc(r mote-? ib..Alsmcd arwwns area :rd on 60 &.0 of :In %-.*n:r:. I+., w., r. l.•axro inerr at L•tr dlaiV.. ant n:lv. r dwq:.. nigh: d-mw ion dr' :o da- r, po••ided in .'our o-mner agreoner:. lk, ammndue or :he da; w u pr-na,' I,e larger. For rmple. If ;or pr• lie anotrt savd in lds szenew- .ou acrrtir. nigh: Ql ILrra Labra• ator,nLrprn:r: r r:rx+,;d.6.lan nnIDtta.-.Ik, anowvOL o:'a• ra'-diferif :ou''r eivred im asclixxe pa;Tmitarrarguier..Pkase ,allJie rLrdxr or Jr 'rorto' lie saCner. foranc,.wpr.oTanotr:. .'n :here additional revs associated wth fry aaourt?',m under Aran dicunsan. u,. ou na,. W aswed a PC:wn tJ Pa;ner. ret.'rou-311also be LgLdted b pr. us all ofAM OIC-AelmkAimesynri-,a-ern:' lea.rrlrrirtrnc:aLrkt,Ip rrdne•.ro. alb;: Lis :o collL .lk,e anotr:s_':'.,• rewrr do dor..-o not asser, -eL,Prior rots and ::kWL: ;: aFip ou dgl- lo asstz a stela lee la-w. I krw do I Hake Payments? Fa;ners ;ou nail:o Capr:alroo :.? be crdlxd.o ;ow xcowr. as of -Ire LAlrL,s da;' :IM; are rtst'td, as brg aS 11 .ou serd lit Lolon pnrinrn'. c;::onon:aml;ntrdudlift Jwtaxln•Cdr:rtf:ara•:.r.•:i.p:.,and21 mff pr.nlt is roe ird in Capkal C1re s processing cercrs b- 5 pin local tik,_ Please alb;: a: ieas: srrn.-Undress da-s for naildeltrr..t'ailtl Pa;ner:s rt&,td b,CW.al Crx a: an-.- nlwrk.oJm nr n:n-n:lur'nrn na,• rn- Ir crMcrtl r. nfti'P da, Jw,, am r.ari:,d. Do you Procez Papa Checks as an Dearonk Funds Transfer? ;;Ikn,'ou pa•'kk a d•erl .r. pr nett. '•m MAYWbx. tr..W nw agntc Pill:r:n L•.P n'mrialm fi.n:nur de.J.:o rak a oluane eke-xonk hrd :rarsfer *on „or deposit aiazw.. or :o proa,s lie pa norilas a clued :ransaWor. ;,Irr -z tre lrbrnaior'ron,ouclkd.ID nale an c minnir f1.r.l dart.kr. 'ti1,F. nr, tw ,%-kKIc'•?•r 'rnn :nLr &Vrj-. arrnm: r. •.nm.r. do saint da; ;;e rcerr lour preen: ard:ou ;;il notreceir roweled, bad.fron ;ow irandal irstuion-'louaudorbJor is no:Inttd L„ Jie dome on lieded. ;;e nr. rr+i,ni:axt ok-jAi*.Ak rnkc::lm c:tin,d pxn:r:% 64Ta: if I fie for BankrWq? I;ot at lt*d -a 1,44mr.q'pro:tdor, ti'tsri nnnic• alnn k k.r irknnainr mh% t h rot an alimpt :n mitt at•c,, nr rern:rr a .kit nr ckfn. Do rot surd is prTk,lrs ::Ihot spvting ;:i:h ;ow barLriptq• avrro- or to CarlrtW. Court I";ou trr qw :ion, abw ou accostor WrirW pmsc,bxl pkre try tar mr:ad V. UAL nr :nr a°m.:•. ,meld lll: cn mr7aQ nw bmULIrc; dairy, stria,r died'. please ien'K: Capkal fire • PC1 ro,,:.UI O- P:icli nond i..-,.55.51ii' BILLING PJGIITS SUghl Al -Do„ to: =.ppt':o SrrAl Cu ir,sS.uowt 1 1h1W To DD If You THnk'rou find hts.ake Qn'rour S:rcmmt: i;outtbltkroIs an enoron;our taxrknt ::rte :otes a- f,*..al Cne F 1. Ca.: "C"O Sat Lai On. L- 3' I SC C2S5 t ,ntrkV4. gkr Lt Jr• 'r.irring in'wwinn: - Acconu: Wornabrt'.ow nark, aid a,i7 w nunbLr. •IalbrmioLr::lle.bliranouto'II sL5W.ed error. •pe•. inn Al rrAlAon:i;mthin. there t.an:nnr nn,nw Lll deccriLo-.%4w.;nu bclrr I, ::rang and :ou belirt t I, a nis'ab.'•ol rw car:ad tis *. hir 6C Jars Ater It error appoated on ;'our s:atone r. "ioL nusr noJ'; us of jr, poxrtbi Pm.r. n,vriiig.'M nat. roll i.%. but if ;m do w art. nn: wrItimd in Ir•::a:iga;+ an; poxrial error, and :ou na-1u r b pr lie rranat it qu.iolL irvgar. :: Fe:llrr or notJitk, Ike Leer aneffor. Ito folkr.:irg are we: • .o rnn.:'r• :n mka[ J1: MAW In flu:Inr, nr ,•rMi ar. ,1 11'M'r. squat m that anoLr.. -' ou do ro: need 1) pa; ar• dipLVd arwuns and rokod iterea ding, or Lys Lril u • rd ,nL a m:kr aloL: to netmrm of nu n:r•.tlgaJnr. • lit large it qu.,tbn na; renan on -orl s arner_ and ;: a ru; ow*ue b Marge `% it:Me,: on l1a anou-_ DX ,kTrnne Jia °,x nade a nibk. ,•ou x.91 ro: lu:r :n pa- Jw annum lr quatkin At air, nr nJu r 'r r4:0d :n tea: annit. •;;hik rot do not ha-v :o W.- line anowt it Wost i hull=:r send-ou a rrotEe about Joe oucont o' otr ir•,e,-*joIL "ou are r"+pon:ILk 'or J1o Pri ain,k r o". ow Wiance. Your MOM If'rou Are Dissatisfied 1Yrtl1 Yor Cmdit Card Purdases: 9;rt1 am J •.ittfid -.%* :IM gm,F. r.r •A .*• t IW. ;nu lix., purdw- ti rte I..Lr crcJ: card and •ou try tried Ir good fatli ti coned :ht probkn :;iii lie nordar.. -or nr. Iwi,lieriydno::o pa Jkrnaniiganoun: dk,onJrcpuda,e. -n L•.e ttk r41t all of Jr ',&.% ng n i.4: L, aw.: 1. -to pwdwso nL,". hr•e beer nado In ;our hone art or ;:iltr I CC nk, of ;ow cw o nalrg mkiez, and :he pwdase prier nLs. lwe Leer nore liar S%.1kov: Aoi:llcrnrtt" m rrcr.•ar•• I-Lrpurdw, ,?,r. Lrcd man at.•:rim:r :,e ndnl .o•.mL or t :'s o:•:r Jar conpir' -hatsold `t1L :ht goods or sertes.i :.',ou nu: hrr tze,I- ae& card 'or Joe pvd-ase. Fwcliasts nAJo;;iii cast ad'•annces 'fon an Al' nr ...rh a dirt. tea:.ww• r.,nu rreJ7 mud a Lr..M rn: gthi1';.3.'rnu nL-: 1mU11: Iwr fill. paid for ttc pwdtxe f al of lx ateria abo'r ac no: and ; ou are sd dissaJsled :•: th lk, pL kfaso. corac tz it :•:rtkng r.: raptal Cne Fr3m,C:55 Sat Lai rx,.. L-,i I;C•C2kS ;.Idk• ,Lr n:r•.Jgti Jw an: ruk, appk 9. Ju &p:.nlannwtx..dFrtr.•A Alm .sJcr;:cfirthouir-i,Jgail ;ouowdecGbnA li.1poir-1:•.rttbk;ou o'-war anotr. and'.oL ,b rotpr.::c ra; repor. ;ou as deirgLow. Capital CnesLppors n'orraJon prrx;.pro-tLaor. see ow :•:elak, a: ?_?.: tapW rPt rt rapl:al ciw k a fe kvah• rc*..:..FC4 •?r.*c- nsl of r..*.al Cne riarill,rwpora*r. =.1 righs r,er•rd .6 C rapkal Cre To diange or updato;aulraddress please call 1-800-258-9319 or visit WWW.Capitalont,.com/solutiom PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 CAPITAL ONE BANK (USA), N.A. Plaintiff(s) ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY COURT OF COMMON PLEAS V. SHANE A COOK Defendant(s) NO. 11-3695civil CERTIFICATE OF SERVICE I, Paul J. Klemm, attorney for Plaintiff, CAPITAL ONE BANK (USA), N.A., hereby certify that a true and correct copy of the Plaintiff's Notice to Appeal, Notice to Defend and Complaint was served this date by certified and first class U.S. Mail, postage prepaid, upon the following: SHANE A COOK 651 W LISBURN RD APT D MECHANICSBURG PA 17055-5864 And a true and correct copy of the Plaintiff's Notice to Appeal, Notice to Defend and Pmplain?, was served this date by first class U.S. Mail, postage prepaid, upon the following: rncO District Court 09-3-05 ;2=:7'0 507 N. York Street -<x> ,,,,- --;o ? c? Barclay Building c ? , ? ° Mechanicsburg, PA 17055 C) 5J -c: N Date: April 18.2011 .? Respectfully Submitted: NUDELMAN UB, P.C. Paul J. Klemm, Esquire 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 NN79832 IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff c d V. cn r- _,, rn c, S SHANE A COOK xF3 :- r1l I Ca Defendant NO 11-3695 CIVIL . DEFENDANT'S ANSWER TO PLAINTIFF'S COMPLAINT I, Shane A Cook, the Defendant state the following as my Answer to Plaintiffs complaint: 1. I disagree with the Plaintiff's statement stating I still owe a principal balance of $931.54 to Capital One for credit card number 5178057271332830. 2. I do accept that I did fail to make payments for a period of time when I was not working. Prior to that time I had received a phone solicitation and agreed to some type of "insurance" that would make my payments if I became unemployed. I was charged a monthly fee for this payment protection option and wrongly assumed it would automatically cover the payments. 3. The original balance on my account continued to increase due to the charge for the payment protection option, interest, monthly late fees and monthly overlimit fees. 4. In early 2010 I made my mother (Patricia R Dymek) aware that I had been contacted by a collection agency. Through a 3-way call I gave the collection agency my authorization to discuss my account with my mother. 5. On June 25, 2010 my mother spoke to a Ms. Brown at the collection agency (866-350-4275) and Ms. Brown stated the outstanding balance at that time was $1,810.69 with the breakdown as follows: Balance $879.69 Late Fees $691.00 Interest $240.00 6. A payment settlement/agreement was made with Ms. Brown to be paid in two installments of. $577.32 and $302.37 by June 30, 2010. The amounts totalled the $879.69 balance quoted by Ms. Brown. Both payments were made by that deadline. We were instructed by Ms. Brown to fax (866-568-1690) a letter to dispute the late and interest fees. That letter was faxed as requested. 7. From that point I did not hear anything for almost 6 months and assumed it was a closed account and Capital One had accepted the amount arranged on their behalf by Ms. Brown. It wasn't until December, 2010 when I received a letter from the law offices of Nudelman, Klemm & Golub, PC that I learned that this matter was still not settled. 8. Since that time I have showed up for two hearing dates at District Magistrate Mark Martin's office in Mechanicsburg, PA on February 16, 2011 and March 17, 2011 to defend my case. At the March 17, 2011 a Default Judgment for Defendant was made. At this time I am hoping to have this matter closed once and for all as I had thought it was over a year ago and again after my two appearances at the District Magistrates office this year. I currently am unemployed but am trying to pursue employment to get back on my feet. Dated July 11,, 2011 ?1- 19??NE A COOK - Defendant 651-D West Lisburn Road Mechanicsburg, PA 17055 717-448-4973 2 PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 r!LFU-OFF10E THE PROTHONO R Y 21111i SEP -8 P1 12: 1 3 CUMBERLAND COUNTY PENNSYLVANIA ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK (USA), N.A. V. SHANE A COOK CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 11-3695 CIVIL ORDER TO DISCONTINUE AND END WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly mark the above -captioned matter as discontinued and ended without prejudice upon payment of your costs only. SEP 0 3 2014 Date: Respectfully Submitted: Paul J. Klemm, Esquire 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 NN79832 PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 CAPITAL ONE BANK (USA), N.A. V. SHANE A COOK Plaintiff(s) Defendant(s) OF F10E OF THE PROTHONO TAP ATTORNEY FOR PLAINTIFF, 2O1'i SEP -8 PM 12: '13 CUMBERLA Kh*NIA CUMBERLAND COON I r COURT OF COMMON PLEAS NO. 11-3695 CIVIL CERTIFICATE OF SERVICE I, Katherine Dieterle, hereby certify that a true and correct copy of the Plaintiff's Order to Discontinue and End Without Prejudice was served this date by first class U.S. Mail, postage prepaid, upon the following: Date: NN79832 SHANE A COOK 651 W LISBURN RD APT D MECHANICSBURG PA 17055-5864 Respectfully Submitted: NUDELMAN, KLEMM & GOLUB, P.C. me Dieterle, Legal Assistant 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000