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rCOMMONWEALTH OF PENNSYLVANIA ;Al /0 COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District, County Of CUMBERLAND I FROM I I MAGISTERIAL DISTRICT JUDGE JUDGMENT COMMON PLEAS No. Z ???? NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. NAME OF APPELLANT MAG. DIST. NO. NAME OF MDJ CAPITAL ONE BANK (USA), N.A. 09-1-01 HONORABLE CHARLES A. CLEMENT JR ADDRESS OF APPELLANT CITY STATE ZIP CODE 4851 COX RD GLEN ALLEN VA 23060 DATE OF JUDGMENT IN THE CASE OF (Ptaintilry (Defe?e?). 4/14/11 CAPITAL ONE BANK (USA) Vs CHRISTOP R DOMINOSKI DOCKET No. SIG TURE PPA?PELLANT OR A R EY OR AGENT CV-77-11 1 Y) i This block will be signed ONLY when this notation is required under Pa. If ap ll nt 0afmaht ( e Pa. R.C.P.D.J. No. 1001(6) in action R.C.P.D.J. No. 10086. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial Dis 'ct J ga, A COMPLAINT MUST BE FILED operate as a SUPERSEDEAS to the judgment for possession in this case. within twenty (20) days after filing the TICE f 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 (Common Pleas No. appellee(s), to file a complaint in this appeal Name of appellee(s) ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or attomey 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 JUDGMENTITRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. AOPC 312-05 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND Notice of Judgment/Transcript Civil Case Mag. Dist. No: MDJ-09-1-01 MDJ Name: Honorable Charles A. Clement Jr. Address: Olde Towne Commons 400 Bridge Street, Suite 3 NewCumberland,'PA 17070 Telephone: 717-774-5989 Michael Ratchford, Esq. 120 N Keyser Ave Scranton, PA 18504 Capital One Bank (USA) V. Christopher Dominoski Docket No: MJ-091 01 -CV-0000077-201 1 Case Filed: 2/10/2011 Disposition Summary Docket No Plaintiff Defendant Disposition Disposition Date MJ-09101-CV-0000077-2011 Capital One Bank (USA) Christopher Dominoski Judgment for Defendant 04/14/2011 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, OR OTHERWISE COMPLIES: WITH THE JUDGMENT. , ,^ ZOO, ?A `JfU//j 4/14/2011 k Date Magisterial District Judge Charles A. Clement Jr. I certify that this is a true and correct copy of the record of the proceedings containing the judgment. _ Date;--- y Magisterial-District.Judge Charlses-Al .ClementJrr. CIF THE FILED-OFFICE 1011 MAY 13 AM 1/:217 CUMBERLAND COUNTY PENNSYLVANIA Pd. oqll?- 4wy 'mmko( Cam- yvsg pco ash in IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. 4851 COX RD GLEN ALLEN, VA 23060 Plaintiff VS. CHRISTOPHER E DOMINOSKI402 E MAIN ST CAMP HILL PA 17011-6322 Defendant CIVIL ACTION NO: //- 1/3 3? NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice to Defend are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. CIVIL ACTION 4851 COX RD GLEN ALLEN, VA 23060 Plaintiff VS. NO: CHRISTOPHER E DOMINOSKI402 E MAIN ST CAMP HILL PA 17011-6322 Defendant COMPLAINT Plaintiff, CAPITAL ONE BANK (USA), N.A. , by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A. , (hereinafter "Plaintiff") is a corporation with a principal place of business located at 4851 COX RD. GLEN ALLEN, VA 23060. 2. The Defendant CHRISTOPHER E DOMINOSKI (hereinafter "Defendant") is an adult individual residing at 402 E MAIN ST CAMP HILL PA 17011-6322. 3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase and collection. 4. Defendant applied for and received a credit card issued by CAPITAL ONE BANK (USA), * with the account number 5178057295437631. 5. Use of the CAPITAL ONE BANK (USA), * credit card was subject to the terms and considerations of the Cardmember Agreement (hereinafter "Agreement"), a copy of which was sent to the Defendant along with the credit card. 6. Defendant used the CAPITAL ONE BANK (USA), * credit card account number5178057295437631, for purchases, cash advances and/or balance transfers. 7. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card. (See, Account Statements attached hereto as Exhibit "A".) 8. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. (See, Cardmember Agreement attached hereto as Exhibit "B.") 9. The Defendant last made payment on December 18, 2009. 10. The total amount due and owing the Plaintiff including interest, is $2,457.21. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $2,457.21 plus costs of suit and any other relief as the Court deems just and appropriate. b1dwin A. Abrah en &I Michael F. I chf rd, Esc Attorney I.D. Nos.- 86285 120 North Keyser ve. Scranton, PA 18504 mratchford@eaa-law.com Phone: 570-558-5510 Fax: 570-558-5511 VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff, CAPITAL ONE BANK (USA), N.A. , am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. ODU b Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. Capital One® does credit cards-and then some! ? = r FDIC ENDER what's In your wallet? FINANCE Previous Balance P aymeMs 3 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,167.23 - $35.00 + ( $22.19 + $39.00 ?= ( $1,193.42 $34.00 L (Aug. 11, 2009 Jun. 18, 2009 - Jul. 17, 2009 Page 1 of 1 MasterCard Platinum Account j 517140572.0543.7831 Your Account Information TOTAL CREDIT LINE $1,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $0.00 _.._._..... ._......_._...... _ ................................. .__.......... _... ...... ----..................... PLEASE PAY AT LEAST THIS AMOUNT Payments, Credits & Adlustments 1 OB JUL CAPITAL ONE ONLINE PYMT AuthDate 07-J UL $35.00- Transactions _ 2 17 JUL OVERLIMIT FEE JUL 17, 2009 SWOO Flnance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,166.32 0.06342% P 23.15% $22.19 Cash $0.00 0.06342% P 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this porlod: 23.15% AfM At Your Service • Go to www.oeatoone.com to menage you socount or Cat 144,%5.7070 b report a lost or stobn cad or speck to Customer ReMBons ® Pay Online at www.cedtelne.oom or mail your payment to: OWN One Banc (USA), N.A. - P. 0. Box 71083.OIalotb, INC 28272.1083 e Send Inquiries to: Capital One- P.O. Box 30285 - Sat Lake Oy UT 8.4100285 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.ceMtolone.com/diarwtes Your account has gone over its credit limit. To avoid additional ovedimit fees, you should pay more than the Minimum Payment. Planes pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrtALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057295437631 17 1193420035000034004 Account Number. 5178-0572-9543-7631 Due Date New Balance Minimum Payment Amount Enclosed CAug. 11, 2009 ( $1,193.42 $34.00 l PLEASE PAY AT LEAST / THIS AMOUNT #9019907186327124# CHRISTOPHER E DOMINOSKI 402 E MAIN ST CAMP HILL, PA 17011-6322 -h'-I'I-'?'hlhl'11III'1111'-huhhllhl-'h-hl-P^Ihl-dl Lend a hand. Save the land. Manage your account online today- ifs fast, easy and secure. e Pay online anytime-no more checks, stamps or clutter. © Moving? Change your address online or on the back. ® Help save the planet-Go paperless. ® Sign up at w .capitalone.com. Capital One Bank (USA), N-A. P_O. Box 71083 Charlotte, NC 28272-10x3 IIIIIII - II I --IIIII-'I-1111"'--IIIIII--II-I-III-'I--IIIIIIII-IIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. r4. 4 ,_ . L--%, :.-L. 3 A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Braces, laser eye surgery, and more-we can bring medical costs into focus! Visit capitalone.com to learn more! Products and services offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A., members FDIC. Capimal One is an Equal Housing Lander 0 2008 Capra! Onr. Capad One it a ffdem11y n%iwr d rr. . mark. A0 nkhu -d 002 17 1. How to Awls a Fkunoe Charge. Is Grace Period. You will have a minimum grace period of 25 days without finance charge on new pumhasae, new balance ttaroferm, new Special purdasee NO new other Oaryes if you pay your total "New BNenw, In accordance with the Important Not" la prprWft below, and In fire for it to be credited by your payment due date. There is no grace period cal can advances and special tresfem. In addition. then is no grace period on any transSCllon if you do not pay the total b. Aocruenp Fkance Charge. Trensachoo which arm not Sub)ecl to • pace Plod are aaessed finance charge 1) from the dada of the tnaacaon or 2) from the date the tfmnmdlom Is pmoeaed to your Account or 3) from the first Calendar day of the ourtent billing period. Additionally, ff you old not pay the "New Balance" from the previous thine period In full, Nuance charges continue to aCCma to your unpaid balance until the unpaid Imitates Is paid in full. This mans the you may still owe lance charge, wan it you pay the mllm New Balance Indicated can the from of you statement by the payment due dote, but der not do so for the prwlan month. Unpaid finance charges are added to the appitcebla segment of your Account. C. amitatim Finance Charge. For each billing period that your aCCOUM is sub)eot to a finance charge, a minimUm trial FINANCE CHARGE of $0.50 will be imposed. d. Temponry RO*WUW In Finance Charges. We reserve the right to not etas any a all finance charges for any given blitkg period. 2. Avolpe Duty Balance Bnoludag Now Purotame). Finance charge is Calculated by muhipyleg the daily balance of each Segment d your account (e.g., cash atlvanCa, Purchase, Special trawler, and special purchase) by the Corresponding dolly periodic rete(s) that has been pnvitny dhclote to you. At the end of own day during the thing period. we apply ale dolly Periodic We for each sepnsm of your account to the dry balance of each segnrd. Then at the end or the billing period, we aft up the fesuila of thaw dry colarwiom 10 arrive at your po lodle fiance charge for ant segmaa. We add up the result from each segment to am" at the tots Periodic Nance charge for your seCouM. To gel the daily bounce for fads SWMOM Of your aoeouM, we We the beginning balance for each segment art add any new traeedlons entl any peiotlk finance chaps calculated on Me previous days balance lot the segment We than subtract any payments a OWNS Polled e of Mat day that an allocated to that $"OWM. This gives a the sepande daily balance for each sepmam of your account. However, if you paid the Now Balance shown on your previous statement In full (or a your now balance wait zero or a credit amount) new UW AMiam, which post to your purchase or special PAd=$ aegmems am not added to the daily balances. We mim r the avenge daily balance by adding all the daily balances together ad dividing the sum by the number of the Myra M the c~ billing cycle. TO Oaloulate your total finance chmge, multiply your average duly balance y the duty pemlodc mare and by the numberd days in the tiling period. Due to roundhg on • daily base a due to minimum finance charge s ssenment, then may be a vsriancp between this calculation and the amount of finance charge actually sewed. 3. Annual Percentage Rates (APR). a. The tam "Annual Percentage Rela" may appear se "APR" on the front of this Statement b. If the code P (Quad" Prime), L (Quarterly LIBOR), C (Quarterly CD), or S (Bmkafd Prime) appeals on the front of this $tatenant next to the periodic to"), the periodic new and corresponding ANNUAL PERCENTAGE RATES may vary quanery and may Increase or decrame based on the staled Inoea, as found in The Well Street Journal, plus tie margin previously disclosed to you. Thee mange will be effective on the alst day of your billing period Covered by your periodic staierni ending in the months of January, April, July end October C. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appeals on the front of your statement next to the periodic role(s), the periodic rate and commponding ANNUAL PERCENTAGE RATES may very monthly and may Increea or decrees based on the stated Indloes, as found in The Wall Stream Journal, plus the margin previously disclosed to you. Thee charges will be effective on the draft day of your billing period each month. e. Aaessmbnt of Late. Overkmil and Returned Payment Fats. Under the term of your customer agreement, we twelve the rigid to waive or not to asses cry film whhout prior notification to you without waiving our right to seams the same or Similar tee at a Isla time. 5. MatMeraltp Fee and Renewing Your Account. Of a rrembemhlp ale appall on this Statement wo will credit the tee h you request to close your aoco rot within 30 days of the mellMg Of this summers. You may Continue to me the account during the 30 day period before your request. If you do not pay all charge owed on this account with in 90 days, or If you are ymrcmdh card orsccount after you request to Nose, any membership fa previously waived may be reinstated to your account. 9. Colling or Suspending Your Account. You may request that your account be closed by calling or wring our Customer Relations DopanrreM. At the time of your request, we Will provide you with oddhlonal details on closing your account. The my Include paymard Intontrbn. It you use your credit cad or charges post to your account after you ark w to close your soc st nt. we can keep your account open or reopen it. We may close or suspend your acoourd and your right to obtain credit. We may do this at my time and for any ration, we 0 you afar not in delauit. A suspension of your account an be permanent or temporary. 11 your account is closed orsuspended, you must stop using your cmdlt card and account . You mat Ohio cancel all presuthonzed billing amngeMnts to the account. We will not do this for you. If we close or pemaent y suspend your account you must also destroy all credit cams and account access checks. You mat still pay all amounts you owe us on the account, even it they were charged after your account is closed or suspended . 7. Making Paymarrtw Payments you mall 1o us win be credited to your account m of the business day we repute it provided (1) you seed the bottom PmUon of this statement and your check In the enclosed remittance envelope and (2) your payment to received In our processing Center by Spin ET (12 noon PT). Pleee allow at lent five (5) bovines days for Postal dHNery. Payments received by a at any other location or in any other form may not be credited as of the day we repute them Our business tlays are Monday through Changing Address? Address ........................................................................................... ........................................................................................... Home Phone .......................................................................... Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink 8. Notice About Electronic Check Conversion. When you provide a check as payment you auMOrize US either to use Information from your check to make a one-time electronic fund transfer from your deposit aecound or to process the payment as a check transaction. When we use Information from your check to make a electronic fund ImnsW. funds may be withdrawn Ifdm yourdeposh account a acorn as the same day we receive your payment, and you will not receive your check back from your financial Institution. Your authorization Is not limited by the dare om the check. We may resubmit and electronically collect returned Payments. 9. Bankruptcy. If you are entitled to bankruptcy protectioto for your acc xini, this communication is only for Informational purpoaa. It is not an attempt to collect. mows or recover a debt a claim. Do not send any payments directly to us whhout speaking with your bankruptcy eomey a the Bankruptcy Court. It you want to Contact us about your account or your bekmptey ProceWing, plea have your attorney contact us. TBILLING RIGHTS SUMMARY On Cam of Errors or Olwstlans about Your Bill) 11 you think your bill is wrap, or h you need more Information on a transaction or bit, woe to us on a SOWING Sheet es soon as Pomible at the address for Inquiries eldvm on the from of INS statement. We mat hearfrom you no later Nan M days sifter we seal you 1116 first bill On WhO the amt or Problem appeared. You Can call our Customer Relatkxe number or note a by Small or waMae, but doing so will not preserve you rights. In your letter, give us the following infontnawn: your name wed account number , the dollar amount of the suspected error, a description of the error and an explanation, If possible, of why you believe there is an error, or If you need more Information, a description of the hem you are unsure about. You do not have to pay any amount In question while we are investigating it, but you are Still obligated to Pay nil pea of you bill that are not In question. While we mveSll"is your question, m amid report you a delinquent or take any action to collect the amount you question. t Specie Rule for Credit Card Purcham 11 you have a problem with the quality of property or mrvlcu that you purchased with a credit cord and you hew bled In good With to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. You have this Protection only when the purchase pica was more than $50.00 and rho Purchase else mode In your home state or within 100 miles d your mailing address. Of we own or operate the merchant, or here mailed you the aovemmmeM for the property or services, all purchases are covered regardless of amount or location of purchase.) Pease remenmber to sign all Correspondence. t Does not apply to business accounts Capital One supports Intomation privacy protection: se our vabshe at aOIEBr Capitol one Is • federally rOgWtVad eervbe mark of capita One Financial Corporation. All rights reserved. 02008 Capital One TCOe OIDMOO58-1-0328AB Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your ?O statement. Using a different envelope could delay processing • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Stay on top of your account with 500312 Capital One Online Banking. Help to save trees by signing up for paperless statements-there is always up to13 months of statement history available that you can access at any time. It's easy-just log in to your account and click the Customer Service tab. With Online Banking you can: ? Check your balance and monitor transactions online 24,/7-you can even sort or group them ? Schedule a payment when it works for you-in advance or on the day it's due ? Set up customizable account alerts so you know immediately when certain transactions post and more... Enroll today at www.capitalone.com FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,193.42 )-( $35.00 + ( $23.22 + $39.00 $1,220.64 $35.00 (Sep. 11, 2009 Jul. 18, 2009 - Aug. 17, 2009 Page 1 of 1 MasterCard Platinu A t PLEASE PAY AT LEAST THIS AMOUNT m ccoun 517845r24543-7831 Paym ents, Credits & Adjustments _ 1 28 JUL CAPITAL ONE ONLINE PYMT AuthOale 28-J UL $35.00- Your Account Information Transactions TOTAL CREDIT LINE 51,000.00 2 17 AUG OVERLIMIT FEE ALIG 17, 2009 _ $39 00 TOTAL AVAILABLE CREDIT $0.00 . CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information) \ Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,180.98 0.06342% P 23.15% $23.22 Cash $0.00 0.06342% P 23.15% $0.00 ,,ANNUAL PERCENTAGE RATE applied this parted: 23.15% i At Your Service - Go to w me.onifti ne.oom to menage your eooount, or Cat 14DD-955.70M b report a lost or siol n card or speak to Customer Relations 0 Pay Online et www.om rater e.corn or mat your Payment to: Cq" One Balk (USA), N.A. • P.O. Box 71083.Onebtle, NC 28271-1083 A send Inquiries to: COW One- P.O. Box 30285 • Sell Lela City UT 8,4100285 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.cwbk)m.com/disputes Your amount has gone over its credit limit. To avail additional overlimit fees, you should pay more than the Minimum Payment. Please pay enough to bring your amount balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay amounts for any future purchases, fees, and finance charges. PLEASE RETURN PORTION BELOW WrTH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057295437631 17 1220640035000035003 CWM Accoun t Number. 5178-0572-9543-7631 Lend a hand. Save the land Due Date New Balance Minimum Payment Amount Enclosed -- . Manage your account online today- l Sep. 11, 2009 ( $1,220.64 $35.00 it's fast, easy and secure. 8 Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT 0 Moving. Change your address online or on the back. ® Help save the planet-Go paperless. #9023007186327127# ® sign up at www.capitaione.com. CHRISTOPHER E DORINOSKI 402 E RAIN ST Capital One Bank (USA), N.A. CAMP HILL, PA 37013-6322 P.O. Box 73063 111"'111'1'111111111,11„11,,,r,1.1111, 11111111111111„1„111111 charlotte, NC 26272-10a3 1111111,111„III11.11.11111I1„11[111"11,1'111,11„11111111'1III Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. a oin the millions of customers that are switching D paperless statements. ? You get up to 13 months of PDF statements online that you can view, save to your computer or print (if you need to) ? It's still the same statement online (you can use it just like your mailed statement) ? You'll receive an email message as soon as your statement posts to remind you to go online and pay your bill Log in to your account at www.capitalone.com, ` go to the Customer Service tab and sign up for paperless statements today! Ca W:1 17 1. how to Avoca a Femme Charge. a.Grace Period. You will haves minimum grace period of 25 days WOW finance charge on new purchases. new balance lranefM, new SPSCtaI purchases and new other charges If you pay your total "how Balance'. In accordance with the Important Not" for payments below, ant in torte for it to be Credited by your payment due dot. Them is no grace period on ash advances and Spacial transient. In addition, there is no grace period on any transaction a you do not pay the total ,NOW Balance." b. Acaukg Farm Charge. Traaachoa which am not Sullied to a grace period we assessed finance change 1) from the data of the transaction a 2) from the date the tmadon is Processed to your Amount or 3) from the and atefaar dry of the current being Period. Additionally, it you dot not pay the 'Now Below from the previous billing period M full, bona charges Condmu9 to actor to Your unpaid balance until the unpaid balance is paid In fug. That means tea you may edfi owe finance Chagas, awn d You pay the fire New Balance indicated on the from of Yourstaternsnt by to payment des deft. but dot not de so for the previan month. Unpaid finance charges am added to the sppucabie segment of your Adm. C. MYdn urn Flnena Charge. For each Phil period that your acmnm Is sub)edt to a finance Charge, a minimum total FINANCE CHARGE of $0.50 will be imposed. I. Temporary Reduction In Finance Charges. We reserve the righl to not assess may or all finance charges for any given bakno period 2. Ave" Dory BNala Prwkidi g New Purchase). Finance Charge is alculated by multiplying the ally balance of each Segment of your account (e.g.. cash Wvena, purchase, spaced treater. end Special purchase) by the Corresponding daily Pefiodic ide(s) that he been prevloesly disclosed to you. At the and of oath day during tot Mang Pedal, w9 apply the daily Periodic nano for each eegrrrna 01 your aoeount to to doily balance of each segment. Titan at the end of the aping period, we add up the metals of time daily calculations to arrive a your periodic Orion" chortle for each segrnant. We add up the resuns from each segment to arrive at the total periodic chance charge for Yom amount. To gat the daily balance for each segment of your amount, we take the beginning balance for each segment and add any new transactions and any periodic finance charge calculated on the previous day's balance for met $991111x11. We then subtract any Pry11e1us a credits Pasted a 0ftrt day Nat are atloMed to that segment. This gives us the sePKM dally balance for each segment of your account. However, t you paid the New Behan ce shown on your previous statement in fun for if your new belorma was zero Cr a cl9dt amount). now transactions. W11Ch post to your purchase or Specon purchase segmorM M not added to tot day balances. We calcunde the overage day balance by adding all the day balances togww and dividing are am by the number of the drys M the current bging cycle. To calculate your total fine" Charge, muplply your average day balance by the day PenWIC rate and byte number of days In the billing Period, on to rounding on a drily basis or des to minimum finance charge aneesrtem, them may to e verternce between this catalstbn and the amount of finance charge Mashy Seemed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear es "APR" on the front of this statement, b. It the cede P (Own" Prima), L (Ouenerly LIBOR} C (Qual CD), or S (Barl Prime) appears on the front of this Statement next to the periodic MWS), the periodic rata and corresponding ANNUAL PERCENTAGE RATES may very gwnery and may Increase W decrease based on tot stated Indices, a found in The Wall Street Journal, plus the margin previously disclosed to you. These changes will be effective on the Orel day of your billing period covered by your periodic statement ending in the months of January, April, July and October. C. It the code D (Monthly Prim*), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement read to tot periodic reI to periodic rata and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or de soo• based m ear stated Indus, as found in The Wall Street Journal. Plus the margin Prwioay CISCbSed to You. These charges will be effective on the not day of your biting period each month. 4. Aafts11ent of Late. Ovedm it and Returned Payment Fee. Under the tame of your customer agreement, we reserve the 09M to waive or not to assess any less without prior notification to you without waiving our right to assss the Same or similar left at a later time. 5. Menmbership Fee and Renewing Your Account. 11 a membership No appears on this Statement, we wul credit the fa If you request to close your account within 30 days of the mulling of this statement. You may Continue to use the amount during the 30 day period before your request. If you do not pay all charges owed on this account with In rig days. or If you use your credit cam or account ate you request to close, any membership fee Previously welved may be reinstated to your amount t. CIO" or SuspeWkg Your Account. You may request that your amount be dosed by ailing or writing our Customer Relations Deportment. At the time of your request, we will provide you Win additional details on dosing your account . This may Include payment Intomeben. 11 you use your credit CM or charges post to your account after you ask us to Close your account, we can keep your account open or reopen It. We may CIO" or Suspend your account and your right to obtain credt. We may do this at any time and for any reason. wen it you are not In deraut. A suspension of your account an be permanent or temporary. It your account is dosed or suspended, you must stop using your credit metro and amount. You must also cancel all preauthorized billing amngerams to the amount. We win not do this for you. If we close or permanently suspend your amount, You mat also destroy all credit rids and account amass ch.. You meet stn pay all amounts you owe us on the account, wan If they were charged offer your account is dosed a suspended . 7. Making Payments. Payments YOU mall to us will be credited to your accounta ot tot business day wa reawe t, provided (1) you send the bottom portion of this statement and your deck in the enclosed Mn Marea envelope and (2) your payment is received in our processing ante' by 3pm ET (12 room PT). Pease allow at peat we (5) business days for Postal delivery. Payments received by us at any other location or In any other form may not be credited a of the ay we receive tem. Our business days an Monday through 8. Notice About Electronic Check Conversion. When you provide a check as payment, you Winarize as either to use Information from your check to matte a one-time electronic lurid transfer from your depose account or to process the payment as a check transaction. When was use Pnfonnstlon from your check to mace an electronic bed mr, ster, funds may be wttMmwn lrom your depose account a soon es the Sarre day was rec•Ne your payment, and you will not receive your check back from your financial Institution. Your author nfil m to not limited by the date on the check. We may resubmt and saacronloahy coiled returned payments. 9. Bankruptcy. 11 you are emitted to bankruptcy protections for your amount, this ammin dellon is only for Inbrrlsonal purposes. It is not an allempt to tolled, assets or recover a debt or claim. Do not send any payments direly to us without speaking with your bankruptcy attorney or the Bankruptcy Court. It you want to contact es about your account or your bankruptcy proceeding, plan have your art=" cornett us. tBILUNo RIGHTS SUMMARY (In Case ot Efrom or Questions about Your Bill) If you mink your bill Is wrong, or t you need more information on a transaction or bill, wine to us on a separate sheet es soon a Possible at the address for Inquiries shown W the ffpn of this Sussman. We meet hear from you no later then 80 days now we Sent you the that bill on which the error or problem appeared. You an call our Customer Relations number or now us by email a webede, but doing so will not preserve your rights. In your Niter, give us the following Information: your now and account number , the dohs amount of tot suspected •nor, a descrPPton of the error and an explanation. It possible, of why you believe there is on error, or if you need more Information, a doooripton of the tom you are unsure about. You do not two to pay any amount In question while we are Investigating It but you aresun obligatedfo pay the pant aryour bit tat are not In question. White we Investigate your question, we cannot report you as delinquent or take any scion to tolled the amount you question, t Special Rule for Credit Card Purchases If you nave a problem with the quality of property Cr servioa that YOU purchased with a credit pro and yea have oleo in good faith to coneel the problem with the merchant, you may have tha right not to Pay the refraining amount due on the property a Services. You have this protection only when the purchase Pride well more than $50.00 and the Purchase was made In your hone State of within 100 miles of your moiling aodri es. Of we own or operate the nw~t, m t we mailed you the awertserrent for the property or Services, all purchases are Covered regardless, of amount or location of purchase.) Pima remember to sign all conespondence. t Does rot apply to business accounts Capital one supports Infomrton Privacy protection: ache our webefte at ypylt, capdoloCourt Capital One It a federally registered San" mark of Capital One Financial Corporation. All rights reserved. 62008 Capital One Changing Address? Address ................ Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Why open a Direct Banking account? Because it's online, we offer higher rates than many traditional branch banks do on many accounts. • Get the growth and convenience of saving money online • FDIC deposit insurance increased to $250,000 (through 12/31/2013) • Convenient 24/7 account access (Routine or unscheduled maintenance may impact accessibility.) MEMBER C, _;;?Wp MC www.capitalonedirect.com 500313 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,220.64 )-( $35.00 + $23.67 + $39.00 $1,248.31 $36.00 Oct (12, 2009 ? Aug. 18, 2009 - Sep. 17, 2009 Page 1 of 1 \ MasterCard Platinum Account 51784572-0547-74,91 Your Account Information TOTAL CREDIT LINE $1,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $0.00 ............... ......._._..... ..._.... _............. - .............. _.................... ........... ......................_.._ i PLEASE PAY AT LEAST THIS AMOUNT Payments, Credits & Adlustments - 1 24 AUG CAPITAL ONE ONLINE PYMT AuthDate 24-A UG $35.00- Transactions _ 2 17 SEP OVERLIMIT FEE SEP 17, 2009 $39.00 Flnance Charges (Please see reverse for important information) Your account has gone over its credit limit. To avoid additional overland fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit Balance rate Periodic Corresponding FINANCE immediately, and make sure your account balance remams below your credit limit. Please be sure the applied to rate APR CHARGE amount you pay accounts for any future purchases, fees, and finance charges. Purchases $1,203.88 0.06342% P 23.15% $23.67 Cash $0.00 0.06342% P 23.15% $0.00 ANNUAL PERCENTAGE RATE applkd tills parlod: 23.15% i Akh At Your Service • Go b waw.cmitebne.com to monapa your account, or Cot 1400.9567070 to report a lost or soon card or speak to Customer Rehema 0 Pay (11111014, M www.omAdxe.com or mollyaa payrrlant to: Cgft One Balk (USA), N.A. • P.O. Bar 71083 • Charlotte, NC 28272-1083 Send Inquiries to: Capitol Orw P.O. Box 30285 • Set Lake Oty, UT 84130-0285 ® Haw a quesaon about a charge on your etatemalt7 Please refer to the Biting Rights Summary on the back of your statement or visit www.caoitalone.ccm/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number. 5178-0572-9543-7631 Due Date New Balance Minimum Payment Amount Enclosed Oct. 12, 2009 $1,248.31 $36.00 ?? J PLEASE PAY AT LEAST THIS AMOUNT 1 5178057295437631 17 1248310035000036000 119026107186327122!1 CHRISTOPHER E DOMINOSKI 402 E MAIN ST CAMP HILL, PA 17011-6322 III1'1itI .I-1II'IIPIIII'NIH111.N1rIIIhIrrIIIIr-rIII I IIrII GO GREEN. SAVE GREEN! Pay online and save money on stamps. C__VT Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIII,III„IIIII h-IIIIM,-IIIIII?rIIhI?IIIrIIrrIIIIIIIIr1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. What is Capital OneO Direct Banking? Convenient and secure certificates of deposit, money market and higher-interest savings accounts. Since you are banking "directly" with us, we can often offer higher money market and savings account rates than traditional branch banks. How do I know my money is safe? Unlike some investment options, your Capital One Direct Banking account is federally insured by the FDIC. For more information about how FDIC insurance protects your savings, visit www.fdic.gov. www.capitalonedirect.com These products and services are offered by Capital One Bank (USA), N.A., and Capital One, N.A., members FDIC. ® 2009 Capital One. All rights reserved. Oat 17 1, Now to Avod a Finance Charge. e.Grace Pentad. You will have a minimum grace period of 25 days without finance ohm" on new pumna s. new balance translers. now special pwcha s and new other charges If you Pay your tota'Naw Balance'. In accordance with the In portent Notice for payments below, end in time for it to be credited by your payment due ate. There is ro grace period on can advances and speclal tmstan. In addition, them is no grace period on ay Immactbn a you do not pay the tote 'New Balance.' b. Acdulag Faeroe Charge. Transactions which rs not subfed o e grace Petted sm assessed finance charge 1) from the data of the trasowon or 2)1norn the data the MMUdldl 18 prooased to your ACCOUM of 3) horn the hest celadar dry of the cumin biking porlod. Atldabnaly, k you des not Pay the Thew Balance' Iran the previous biking period in full, finance charges coNOue to sccrum to your unpaid balance until the unpaid balance Is paid In lull. This mans the you may still owe finance charges, even it you pay the entire New Balance Indicated on the from of your Statement by the psymem due date, but des not do so or the previous month. Unpaid finance charges are added to the applicable segment of your Account. c. Mmknum Finance Charge. For each billing Period that your account Is sub)ect to a finance charge, a minimum total FINANCE CHARGE of $0.50 will be imposed. d. Tampon ry Reduction In Finance Charges. We essrve the dam to not sass dry a all finance Marys for any given tmItng period. 2. Avsrage Day BsWm (hcodlag Now Purchases). FlMnca charge IS cebulate by multiplying the dally balance of each segment of your account (e.g., cash overge, pumhses, sPec o transfer, and special Purohese) by the Correspoedleg wily periodic rate(s) that hoe boon Previously disclosed to you. At the end of each day during the baling pendL we apply the dairy periodic rate for each segment of your s ooum o the dairy balance of each segment. Then at the and d the bull" palod. we add up 1M mud of "" day calgations to ant" 0 your PWWiC finch Charge lot each segment. We add up the muas from each segment to am" al the total periodic finance charge for your account. To gar the ally balance 1" such sepnsnt Of your account, we take the beginning balance for each segment and odd any now transactions and any periodic finance charge calculated on the previous deft balance for that segment. We ten submixe any pylnlar s or credits posted a of that day that WS allooew to tell Segment. This gives s tie separate daily balance for each sepmMt Of your ecceraa. HOwewr, If you Paid the NSW Balance sown on your previous statement In full (or n your new balance was zero or a dean amount), new transactions. which Poet to your purchase or special pUrehase sogMSnts am not added to the day balances. We cekaulae the average duly balance by adding all the dairy balances tog~ and dividing the sum by the number of the days in the current billing Cycle. To wkclate your total fish charge, meePy your overage deity balance by the dairy Periodic ride and by the Mmbsr of days In the billing pedod. Due to rounding on a dally Dais or due to minimum Amoco charge assessment, there may be a variance between Inv calculation and the amount of finance charge actually assessed. 3. Annual Perbentags Rata (APR). S. The tens "Annual Percentage Rate' may appear a "APR- on the front or this Statement b. If the coot P (GUeneny Prime), L (Quartets LIBOR), C (Quarterly CD), a S (Bankare Prime) appears on the front of this stal~ next to the Periodic nte(a), the Periodic reta and corresponding ANNUAL PERCENTAGE RATES may vary quaneM and may increase or decrease based on the stated Indices at found in The Well Street Journal, plus the mergln p(tvbay disclosed to you. These charges will be effective on the fiat day of your billing Period dovered by your periodic ststament titling in the months of January, April, July era October. c. It the code D (Monthly Prime). F (MOnthy LIBOR), or G (rreasury LIBOR) appears on the from of your statement next to the Periodic rate(s), the periodic rata and corresponding ANNUAL PERCENTAGE RATES may very monthly and may increase or decrease based on the steed mitoses, a found in The Well Street Journal, plus the margin peviousy disclosed to you. These charges will be effMiwe Ohl the that day of your billing padod awn month a. Assessment of Late. Ovemmlt and Returned Payment Fees. Under the fame of your customer a9moment, we, reserve the right to waNe or not to assess any fees without prior ndfikxtbn to you without "Wing our right to asesa the fame orsimier fed at a later date. 5. Membership Fee and Renewing Your Account. if a membership I" appears on this staterteM, wit will credo the to It you request 10 close your account within 30 days Of the Mailing of this stedement You Mwy continue to use the acooutri during the 30 day period Da1ae your request h you do rat Pay all charges owed on this 900ourn with in go days, or If you use your creak cam or scwounl arm you squat to case, any membership tae peviowry waled may be Mnstaed to your account. 8. Closing of Suspending Your Account. You may request that your account be owed by calling or writing our Cwtoma Relations DepsstArent. M the time of your request. we will provide you with additional details on closing your account . This may Include payment information. It you we your credit card of charges post to your a nt der you ask use to close your account, wit can kap your account open or reopen k. We may ckxe Of suspend your a nl and your fight to obtain crew. We may do this at ay time and for any mean, wen If you are not in dalauh A suspension Of your account can be permanent or tanpon y 11 your account is dosed a suspended, you must atop wog your crank card ens account. You must siso cancel all preouthoi2ed billing anaegements to the account. We will not do this oryou. If we cbea a P*nm"w* suspend your account. YOU must also (1041M Y all credit cams and account dada cheda. You must sank Pay all amounts you owe us on the account, even i1 they were charged after your account is closed or suspended. 7. staking Payments. Payments you mail to us will be credited to your account a of the business day we eceive it. Provided (1) you seed the bottom portion of this statement and your deck In the enclosed remmance envelope and (2) your payment is received in our processing comer by 3pm ET (12 noon PT). Phase allow at east live (6) business days tot postal deiNery. Payments Me~ by us perry other location or In any other form may not be credited as of the day we ree we them. Our business days are Monday through 8. Notice About Electronic: Check Conversion. When you provide a check as payment you slnhoMe w ekhw to Use Inforthetion from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your check to make on eecbontc fund transfer. funds may be v thdrawn horn your deposit scooum as soon a the Sense day we roes" your payment, and you will not receive your check back from your financial institution. Your authorization Is not limited by tle date on the check. We may resubmit and electronically collect returned peyrnents. 9. Bankruptcy. 11 you am entmlad to bankruptcy protection for your account. this communication Is only for Inahnatl0nsl purposes. It is not an attempt to collect. esao* or recover a debt or claim Do not Send any payments directly to us without speaking with your bankruptcy attorney of the Bankruptcy Court. If you want to contact us about your account or your bankmptcy prucoeding, please have your attorney contact us. tBILLING RIGHTS SUMMARY (In Caw of Enos a Questions about Your Bill) If you think your NII is wrong, or a you need More Information on a trareaction or bill, write to us on a separate shop as soon as possible at the address for Inquiries shown on the from of this statement. We must how from you no later then 80 days altar wit Sam you the flat bll on which the error or problem ppweo. You can call our Customp Relations number or nobly s by Small or wabsite. but doing ed who not pmerve, your rights. In your letter little s the "lowing "Whatbn: your refs and account number, the dollar amount of the Suspected am, a description of the error and an explanation, If possitia, of why you believe toe ts an error, or id you reed MOM information, a description of the Item you are unsues about. You do not hew to pay Any amount in question what we are investigatog e, but you are still obxgated to Pay the Pars Of your bill that are not In question. While wit investigate your question, we cannot report you a delinquent or take any action to cded the amolrM you question. t Spaniel Rule for Credit Card Purchases 11 you hew a problem with the quality ot property or services that You Purchased with a credit Card and you have tried In good fan to correct the problem with the Merchant, you may have the right not to pay the ramatndeg amount due ce the property or cervices. You have this pmtwtlon only when the put&*" price was more then $50.00 and tle Purchase was made In your (lone $leta or within 100 Mies d your mailing address. Of we own Of operate the merchant. a ti we rtWed you the aovemamam for the Progeny or seMces, ash Purchaes are covered egamees of amount a location of Purchase.) Please rememborto sign all woMapondence . t Does nor apply to business accounrs Capital One suppors Information privacy protection: sw our weans at Capital One Is a federally registered service Mark of Capitol Oft Financial Corporation All rights maned. 02008 Capital One Changing Address? Address ................ Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or blade ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your f.? statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Dumpster divers. Phishing scams. Pickpockets... No matter what tricks identity thieves use, you can rely on ID Alert for advanced monitoring to help keep your credit secure. And to help you recover quickly if yotfre ever a victim. • Daily credit monitoring at all three credit bureaus • Credit alerts to notify you of certain activity on your credit file • Up to $50,000 identity theft insurance (with no deductible) at no additional cost to you Enroll today. Go to www.mylDAlert.conVcpn Third parties providing products and services are not affiliated with Capital One and are solely responvble for ther products and services. All copyrights of the other parties are owned by them. , 1? FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date ( $1,248.31 )- $36.00 +( $2405 +. $39.00 )_( $1,275.36 75.00 ?Nov.11,2009 l Sep. 18, 2009 - Oct. 17, 2009 Page 1 of 1 MasterCard Platinum Account \ I S1TS-0S72diS4:i?7631 Your Account Information TOTAL CREDIT LINE x1,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $0.00 _..... _ ............... ..._--................... _._._._--.................................... ... ........._....._......... ...........__i FlnanCe Charges (Plesse see reverse for important information) \ Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,264.06 0.06342% P 23.15% $205 Cash $0.00 0.06342% P 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 29.15% i ® At Your Service • Go a www.o"abne.oom to menage your a t, or Cat 1-000-9557070 to report a lost a earn card or speak to Q161I Reletkws 0 Pay Online at wimirmitebneoprn or mad your payment to 04" One Bank (USA), N.A. • P 0 Box 71083. Ch rbre, NC 28272-1083 Send Inquiries to: Capital Orw P. 0, Box 30285 • Set Lew City, UT 84130-0285 ® Haw a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.ca[)iWlone.com/disputes 500314 PLEASE PAY AT LEST THIS AMOUNT Payments, Credits & Adlustments _ 1 15 OCT CAPITAL ONE ONLINE PYMT AuthDate 15-0 CT $35.00_ Transactions _ 2 12 0CT PAST DUE FEE $39,00 Your account has gone over its credit limit. To avoid additional ovedimtl fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057295437631 17 1275360036000075002 Account Number: 5178-0572-9543-7631 BE SAFE! Your trash could be an identity chiefs . gold. Manage your account online and end the paper trail I Sign up at www.capitalone.com Due Date New Balance Minimum Payment Amount Enclosed Nov. 11, 2009 ( $1,275.36 $75.00 PLEASE PAY AT LEAST THIS AMOUNT #9029107186327129# CHRISTOPHER E DORINOSKI 402 E MAIN ST CARP HILL, PA 17011-6322 I I I I I I II - III I- I - I - i l l - I I I I - I I I I - I - II I I I"I I - I - I 11'. I". 1111111,11 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1083 HIII II.III-.IIIII,II-IIIIIII..IIIIII--II-I-III-II--IIIIIIII-IIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Protect your credit against identity theft with /D Alert Monitoring a Credit Alerts • Up to $50,000 identity theft insurance* Enroll at www.mylDA]ert.com/cpn Insurance underwritten by Travelers Casualty and surety Company of America and its property casualty affiliates, Hartford, CT 06183. Coverage for all calms or losses depends on actual policy p ovisions. Availability of coverage can depend on underwriting qualifications and state regulations. Coverage not available for residents of New York. ca-__;T Wft 1. Now to Avoid a Finance Cher". a.Grace Period. You will have a minimum grace period of 25 days without finance charge on now purchases. new balance tra ifm. new spatial purchases and now other charges g you pay your total "Now Balance". In accordance with the important Notice for payments below, and in acre for It to be credited by your payment due data Thera is no grace period m cash advances and special tlanefem. In Mod st, thew w no grace period on any IraMactlon k you do not pay the total 'New Bearrin. b. Accruing FRINh, Charge. Tlanedlon which are not subtact to a glace period are oessaW finance charge 1) from the data of the bw*w5on or 2) from the date the transaction is processed to your Account or 3) Rom the that calendar day of the currant billing period. Additionally, g you did not pay the "Paw BelanW from the previous billing Period in full, finance charges commas to accrue to your unpaid bane untll nits unpaid balance Is paid in full. This moons that you may sell owe finance charges, even it you pay the amine Now Balance Indicated on the Rom of your atMe min by the paynnent due doe, but did riot do eo for the pne undue month. Unpaid finance charges one added fo tha appac" sepmenl of your Account. c. MiMrem Fiance Chary". For each billing Period that your account is subJed lo a finance charge, a minimum trio FINANCE CHARGE of f0.50 will be Imposed . d. Temponry Reduction In Finance Charges. We reserve the ngln to not using any or ail finance charges or any given blgRg period. 2. Average Only Balance gnckldN New Purchases). Finance charge is Gkulstod by mullipiyi g the daily bean of each segment of your account (e.g., ash advance, purchase, special transfer, and special purc hase) by the corresponding dally perodi : reaps) that has bean PravlouslY disclosed to you. At the anal or each day during the billing period, em apply the dally periodic rate or each segment of your account to the dally balance of each sagrtrM. Then at the and of the billing period, was add up the mule of thaw dolly c*Watlaa to arras at your periodic romp dlelga fa each segment. We add up m mutts from each segment to arrive at the lotal periodic finance charge for your scootent. To got the doily balance for each segment of your aecount, we take the beginning balance for each sagmarl and add any now Instructions and any Periodic chance charge calculated on the previous days balance or that segment. We then subtract my payment$ a credits posted as of the dy titer ON allocated to that segment. This gives us the separate dory balance for each segnwnt of your account. However. N you paid the New Balance shown on your previous statement In full (a it your new balance was zero or a credit annoton , new transaction, which post to your purchase or special purchase segments are not added to the dory balances. We calculate the average daily balance by adding all the dairy baances together and dividing the sum by the number of We days In the current DWhg cycle. To calculate your toad amerce raga, mwPly Your avers" deny balance by the dolly Periodic rase and by the number of days In the billing Penned. Due to rounding on a daily bask a due to minimum finance de" asasasthent, nitro may be ¦ vwwr" between this calculation and the amount of finance charge aCbalY essssssd. 3. Annual Peranlage Rain (APR). a. Thetens "Annual Percentage Rate" may appear as "APR" on the front of this swemm, b. If the code P (Quarterly Prim), L (Quarterly LIBOR), C (Quarterly CD), or S (Bankeam Iodine) appears on the from of this 9W~ next to the periodic reti(e), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very quarterly and may increase or decrease based on the stated Indices, as found In The Wall Street Journal, plus the margin provlouepy tlbdaed to you. These changes will be ofi Ive on the flint day of your b00ng Pwlod covered by your periodic statement an ling In the months of January, April, July are October. c. if the code D (Monthly Prim), F (Monthly LIBOR), or G (Tmsury LIBOR) opposite m the from of your statement next to tin periodic rate(s), the periodic miss and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated Indices, as found In The Wall Street Journal, plus the margin prevously disclosed to you. Than changes will be eRec hre on the lot day of your billing period each momh. 4. Aesessmnt of Late. Overlera and Returned Payment Face. Under the terra of your customer agreenwm, we mane the right to wave or not to assess my has without prior notification to you wghout waNirg our right to assess the some or similar fees at a later gm. 5. MMrrDmhlp Fee and Renewklg Your Account if a membership fee appears on Bois statement we will credo the tee R you request to close your account within 30 days of the mailing of this statement You my continue to use the account during the 30 day period before your request. tt you do not pay all charges owed on this account with In 90 days. or g you me your credit card or account after yid mo Wet to close, say membership fee Previously walved my be reinstated to your account. e, Closing or Suspending Your Account. You may "'due'l that your account be dosed by calling or writing our Customer Relations Department. At the tiro of your mount, we will provide you with addaonal details on closing your account. This may include payment information. If you uee your credit can or charges post to your account after you ask as to close your account we cm keep your account open or reopen ft. We nay else a suspend your sccuum and your right to obtain c eck. We may do this at my time and for any mum. awn it you one not In deauft. A suspension of your account an be permanent or temporary. It your account is dosed or suspended, you must stop wing your -it -- and account. You mat also carats all pmuthmzed billing arsangatrOn to the account. We will not do this la you. It we Chas or permanmy suspend your account. you must 8190 destroy all credit Cards and account socass checks. You must still pay all amounts you owe us on the account even if they ware charged after your account is closed or suspended 7. Making Paymanes. Payments you moll to us will be credited to your account a of the busuress day wa receive 0, provided (1) you send the bottom portion of this statement and your check In the enclosed remlttaraa envelope and (2) Your payment is received In our processing career by 3pm ET (12 nom PT). Please allow at local flue (5) business days to postal dellvwy. Payments no~ by us army other location or in any other form may not be credited W of the dy we ne WO them Our business days are Monday through 8. Notice About Electrons: Check Conversion. When you provide a check as payment, you wttgdn as either to use Intorrnaben from your check to mate a one-9me electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use Information from your check to mare an elecROntc fund transfer, funds may be withdraw from your deposit account n croon as ins same day we most" your payment, and you will not mein your check hack from your Branco institution. Your auth"Ustlon Is not limited by the does on the check. We may resubmit and ~ron"Iy collect returned payments. 9. Bankruptcy. 11 you are ambled to bankruptcy protecldns for your account, this corrafknmcMbn Is only for Nhbnnelbnal purposes. It Is not an attempt to coiled, assess or recover a debt or claim. Do not send any payments dirocty to us without speaking with your banknocy etianey, a the Bankruptcy Court. If you want to contact us about your account a your bankruptcy proceeding. Phase have your attorney contact u9. tBILLING RIGHTS SUMMARY gn Case of Enos or Questions about Your Bill) It you think your bill is wrap, or it you need more Intormstion on a transaction or bid, wine to us on a sepaate shoat as soon as possible at the address for inquiries SteXn on the from or this stalemem. We must hear from you no der than 60 days stir era ssnt you the fire big on which the error or Problem appeared. You can call our Customer Relations number or notity us by email awebehe, but doing so will eoi preserve your rigor. In your latter, give us the hollowing Information: your nom and account n i., the dollar amunt of the suspected amor, a description of the error and an explanation, If possible, 01 why you believe thm Is an senor, or 0 you rood more Infartrlim, a description of the Rem you are unsure about. You de not have to pay any amount In question while we an Investigating 0, but you are still obligated to pay the pons of your big that we not in question. While we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. t Special Rule for Credit Card Purchases If you have a Problem with the Quality of property aservices that you Purchased with a 000 coo and you have MM In good faith to coned the problem with the nerchant, You may have the right not to Pry the remaining amount did m the property or st" oes. You have this pnradon only when the purchase price was mare then $50.00 and the purchase was made In your home state or within 100 miles or your mailing edc "a, gf we own or operate Me merchant, or it we mailed you the advonlsen ent for the Properly Of uIVlces, all purchases are covered regardless of amount or location of punchan.) Phase nmmba to sign all correspondence. t Does not apply to business accounts Capital One suppose; information Privacy Protection: see our wahnite at onviii.cablialons, corn Capitol Ore Is a federally registered service mono of Capital One Financial Corporation. All rigor merved. 02008 Capital On Changing Address? Address ........................................................................................... Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: is • Don't staple or paper clip your check to the payment slip. t I • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Stay on top of your account with 1=12 Capital One Online Banking. Help to save trees by signing up for paperless statements-there is always up to13 months of statement history available that you can access at any time. It's easy-just log in to your account and click the Customer Service tab. With Online Banking you can: ? Check your balance and monitor transactions online 24/7-you can even sort or group them ? Schedule a payment when it works for you-in advance or on the day it's due ? Set up customizable account alerts so you know immediately when certain transactions post and more... Enroll today at www.capitalone.com Cap/f/ FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1275.36 - $75.00 $25.25-?+ $78.00=r $1,3 3 0.61 ( $77.00 (Dec. 1 00229 J -------------- Oct. 18, 2009 - Nov. 17, 2009 Page 1 of 1 MasterCard Platinum Account \\ 5178-W24543.7631 Your Account Information TOTAL CREDIT LINE x1,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $0.00 ?. ............ ....._.__ .............................. ..... _..._.... _................ . ............ _...._.._-- --__ PLEASE PAY AT LEAST THIS AMOUNT Payments, Credits & Adiustments _ 1 13 NOV CAPITAL ONE ONLINE PYMT AuthDate 13-N OV $75.00- Transactions _ 2 11 NOV PAST DUE FEE $38.00 3 17 NOV OVERLIMIT FEE NOV 11, 2009 $39.00 Finance Charges (Please see reverse for important information) Balance rate Perrodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,284.27 0.06342%P 23,15% $25.25 Cash $0.00 0.06342% P 23.15% $0.00 ANNUAL PERCENTAGE RATE applied 1hk perbd: 23.15% ? j1tk At Your Sarvke • Go a www.cmK*m.com to menage your comm. 4 or Cot I-M955.7070 lo report a bat or stohn card or speak to Customer Pehtans 0 Pry online at www.omtebrre.oom or mail your payment to: Capital One Bark (USA), N.A. • P. 0. Box 71083. Charlotte, NC 28272-1083 A Send Inquiries to: Capitol One- P.O. Box 30285 • Set Lake City, UT 84130-0285 ® Have a queation about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.caphsIone.cpm/dsoutes HELPFUL PAYMENT HINT: We understand that making only the minimum payment may be the best choice for you. However, you'll pay less interest and repay your balance sooner 9 you pay more than the minimum whenever possible. To estimate how long it may take to repay your balance given your specific terms and different payment amounts, visit www.capitelone.com/calculator Your account has gone over its credit limit. To avoid additional ovedimit fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges You were assessed a pest due fee because your minimum payment was rat received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057295437631 17 1303610075000077006 Account Number. 5178-0572-9543-7631 Due Date New Balance Minimum Payment Amount Enclosed rDec. 12, 2009 ( $1,303.61 $77.00 l PLEASE PAY AT (FAST J THIS AMOUNT #9032207186327122# CHRISTOPHER E DORINOSKI 402 E RAIN ST CARP HILL, PA 17011-6322 I'rr^4'IrIuPrlllllhhrl'P^ulh4lIIPP?I?IrI"'Iln'rl GO PAPERLESS! The trees will thank you. Sign up at www.capitalone.com 4 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 tIIIII -ill"IIIII'll'IIIIIIIrrI[1111" II- I- III'll'.IIIIIItI-III I Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. oin the millions of customers that are switching o paperless statements. ? You get up to 13 months of PDF statements online that you can view, save to your computer or print (if you need to) ? It's still the same statement online (you can use it just like your mailed statement) / You'll receive an email message as soon as your statement posts to remind you to go online and pay your bill Log in to your account at www.capitalone.com, go to the Customer Service tab and sign up ?. for paperless statements today! 002 1, 1. How to Aerial a Fi ence Charge. "Grace Period. You will have a minham grace period or 25 drys walled finance doing* on new purchases, new bounce tromfors. new special purchases and new other charges If you pay your total -Now BaWhde'. In accordance with the Important Notice for payments below, and in time for lt to be credited by your payment due date. There Is no grace period on cash advances and special ministers. In addition, there Is no grace peed on any tremaotion N you do not pay the total b. Awahg Fhance Charge. Transactions which are not subject to a grace pence m aseassed chance charge 1) Irons the data of tie lamodion or 2) from the date the transaction is pecessed to your Account or 3) from the first colander dry of this Current billing period. Additionally, N you dal not pay the -Now Balance- from the previous bBhng period in fug, Marcie charges continue to aCC11e to your unpaid bW11te Urdu tee unpaid batence is paid in full. Theam OW you may SON owe finance charges, wan "= pay the ware New Balance indicated on the IroM of your st WWII by me payment due date Dud did not do so for the previous month. Unpaid finance charges are added to me app-- 11 segment Of your Account, e. Minimum Finance Charge For each billlng period that your amount is subject to a finance charge, a minimum total FINANCE CHARGE Of $0.50 will be Imposed. d. Temporary Reduction In Finance Charges. We reserve ere right to not assess why or all finance charges for any given biting period. 2. Average Daily B&Wm Qndudi g New Purchases). Finance large is Cabulatea by multiplying the dairy balance of each segment of your aceouM (a y., cash advance. purdess, apasW Iran/er, and Special purchase) try the mmsponctrng deNy peredb rat(s) that has been praAM* disclosed to you. At the end of each day during the bakg period. we apply 1m sadly periodic hate for earn segment of your account to the daily balance of each stgnio n. Then at the end of the billing period, lee add up me mum of gate dairy calculations to arrive at your periodic nnage charge for each etgn est. We add up the ""a from each segment to arrive at the iota periodic finance charge for your account. To got the daily bounce for each segment of your account, we take the beginning balance for etch segment and add any new transactions ant 8" Periodic finance charge calculated on the previous days balance for that segment. We then started sly pryffants or dace posted as of mat day ma are allocated to that segment. The ghee us the separate daily balance for own segment of your amount . However, N you paid me New Bottom shown on your Previous statement In full (a N your new balance wait Zero or a credit sffoua), row tronsaatkla, which Poet to your purchase of special purchase a" 0 m not added to the dally batences. We Calculate ale average dally balance by adding ale the daily balances legedfar and dNlNhg the sum by the number of the days in the Claims Wiling cycle. To abase your total chance dhagt, -a* your average dally balance by the daily periodic rat and by the numbed days in the billing period. Due to noun" Or a dairy bask a due to Minimum finance charge ses s"Morm, then may be a variance btlweah this CalcuMbn and the amount of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The term -Annual Percentage Rate- may appear as "APR" on the from of this statement. b, It the code P (Quensfy Pnae), L (Quarterly LIBOR), C (Qusnerly CO), or S (Bank ard Prime) appears on the hold of this statement next to me periodic rate(s), the periodic rates and Corresponding ANNUAL PERCENTAGE RATES may very quarterly and may Increase or decrease based on the stated Indices, a found in The Wall Strew JCUNUN. plus the margin Previously disclosed to you. These changes will be emotive on the first day of your Wiling Period Covered by your periodic statement ending In the -It. of January, April, July and October. c. If the code 0 (Monthly Prime), F (MOMhy LIBOR). or G (Treasury LIBOR) appears on the front of your statement next to the periodic rate(s), the periodic hens and carasponding ANNUAL PERCENTAGE RATES may vary moldhly and may Increase "decrease based On the stated Indices. as found in The Wall Street Journal. plus the morph previously disclosed to you. These changer will be effective on the first day of your billing period each month. 4. MeessmeM of Lae. Overheat and Resumed payment Fare Under the tame of your custorer agreareM, we receive the right to waive or not to "sans arty fees without prior ndlticalbn to you without wabing our right to assess the sae or similar fees at a leer time. 5 Membership Fee and Ranefehg Your Amount. N a nmmbaship I" appears on this statement, we will credit the fee If you request to ewe your amount within 30 days of the mailbag of this statement You may continue to use the amount during the 30 day period before your request. If you co not pay all charges owed on this "mourn with in g0 days. or N you use your credit card or account afieryou request to dose, any Membership No previously waived may be reinstated to your amount. a. Cbang of Suspudag Your Account. You may request that your amount be Closed by calling or wooing Our Customer Relations Department. At the Mm of your request, we will Pfovde you with additional details on Closing your amours. The may Muds payment Information. if you use your credit card or charges post to your amount able you ask us to close your amount, we can keep your amount open or reopen n. We may close a suspend your account and your right to obtain credit. We may do this at arty time and for any reason , even h you we not In daaur. A suspension of your amount Can be permanent or temporary. It your account is ,,..ad or suspended, you must stop using your credit Card and emouM. You must also Canal all p muthorized billing arr"Wrents to the amount. We will not do this for you. if we close a pentanW* suspend your amount, you must also destroy all credit Cards and amount amass checks. You must SUN pay all amounts you rive us on the account, even n they were charged after your scoourd Is closed a suspended. 7. Making Payments. Payments you mail to us will be credited to your amount a of the baainess day we receive N, provided (1) you sad the bottom portion etas statement and your check In the enclosed remihermcer envelope and (2) your payrtent Is ecawd in our processing center by 3pm ET (12 noon PT). Phase abW at least rive (5) business days for Karat "Wary . Payments received by us at any other location or In any other form may not be credited as of the day we receive them. Our business days are Monday through 8. Notice About Electronic Chock Conversion. When you provide a check as payment, you suBgrize us eaherto use Information loom your check to make a on"me electronic fund theater from your depose amount or to process the payment as a check transaction. When we use Information from your check to make on electronic fund transfer , funds may be wilhdrawn from your depose afecurd es seen a the asmrr day we moalve your payment. and you will not receive your check back from your Mandel Institution. Your authorization Is not Iintwed by the dale on the Check. We may resubmit and eholmnically coned resumed payments. 9. Bankruptcy. If you are entmed to bankruptcy petectiom for your amount, this communication Is only for informational purposes. It is not an attempt to collect, assess or recover a debt or claim. Do not send any payments directly to us without speaking with your bankruptcy attorney or the Bankruptcy Court If you want to mmad us about your account or your bankruptcy proceeding. pease have your attorney contact us. tBILLING RIGHTS SUMMARY (In Case of Eras or Questions about Your BIIp If you think your bill Is wrong, or If you need mom planation on e transaction or bill, write to us on a separate she as soon as possible at the address for Inquiries sMVm on the from of this statement. We must hew from you no later man 00 do" after we sent you the that bill on which the emw or problem sppesv06 You can Call Our Customer Relations number or notity a by small or webaite, but doing so will not preserve your rights. In your letter. give us the following Information: your name and account number, the dollar amount of the suspected aria, a description of the seer and an explanation, It possible, of way you believe there is an offer, or it you need more Information, a description Of the fiem you am unsure about. You do not have to pay any amount in question White ova am IrwestgaMg IL but you are sell obligated to pay the gam of your bill that are not In question. While we investigate your question, we cannot report you as delinquent or eke any adico to collect the amount you question. T Special Rule for Credit Card Purchases 11 you have a problem with the quality of property of whNoss that you purchased with a Credit Card and you have MW In good With to correct the Problem With the merchant you may have the fight not to pay the sensing amount due on the property or services. You have the Protection eery when the purchase price was more than $50,00 Ono the purchase was mach In your home state or within 100 bales of your malting addrabs. of we Own Or operate the merchant, or N we trailed you the advertisement forthe property or services, all purchases are covered regardless of amount or location of purchase.) Phase TSm9 Wto sign all correspondence. t Doss not apply to buesess accounts Capital One supports Information privacy protection: ass our webaho at hNd o capiBsitine com Capital One Is a federally regtsdeme service mark of Capital One Financial Corporation. All rights reserved. 0 2008 Capital One Changing Address? Address ................ Home Phone Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 116-digit account number on your check. sooooB ~ain"wewallet? It could happen to anyone. Make sure you pay the amount CHRISTOPHER E DOMINOSKI due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS, do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES You're • • BETTER INTEREST RATES by -1 payment. (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ® 2009 Capital One. Capital One is a federally registered sendre mark. All rights reserved FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $131-L 30 61 $0.00 $2518 + $78.00 J_C $1,406.79 $155.00 Jan. 11, 2010 l Nov. 18, 2009 - Dec. 17, 2009 Page 1 of 1 M \ asterCard Platinum Account 51784M-O W7E91 Your Account Information TOTAL CREDIT LINE $1,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $0.00 '--_--- -...................... .........._.........._............_......._._.................-.. .........................._...............? PLEASE PAY AT LEAST THIS AMOUNT You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. Payments, Credits & Adlustments Transactions 1 12 DEC PAST DUE FEE $38,00 2 17 DEC OVERLIMIT FEE DEC 17, 2009 $39.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,323.48 0.06342% P 23.15% $25.18 Cash $0.00 0.06342% P 23.15% $0.00 ANNUAL PERCENTAGE RATE applied tlrk parbd: 23.159E ® At Your Sella • Go to www,cwd*m.com to mange lore account, a Cet 1800.9567070 b report a bet or si card or speak to Cusbmer Rebaons 0 Pay Online at www.modebrie.cum a mail your payment b' 01 One Be* (USA), N.A. • P.O. Bon 71083 • Charbae, NC 28272-1083 Sand Inquiries to: C40W Orw P. 0, Box 30285 • Sid Law City, UT 841XM85 ® Have a quesllon about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.cw4Worie.com/4$soutes Your account has gone over its credit limit. To avoid additional over imit fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number: 5178-0572-9543-7631 Due Date New Balance Minimum Payment Amount Enclosed Jan. 11, 2010 ( !j ? $155.00 J ?\ l PLEASE PAY AT LEAST J THIS AMOUNT 1 5178057295437631 17 1406790075000155007 #9035207186327129# CHRISTOPHER E DOMINOSKI 402 E MAIN ST CAMP HILL, PA 37013-6322 I?IIIrlhrlrlrvlrlhnhlhlllllrl?IlnIIhIIPnlIIrrllrllr ORGANIZATION v MADE EASY. Forget the filing. Manage your account online and simplify your life. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 28272-10x3 1111111.III..IIIIHIrIIIIIH--IIIIII??II I?III?II??IIIIIIII IIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 1. HOW W Awdnd A FIMna Charge. a.G1Am" Period. You will have a minimum grace period of 25 days without finance cheei on new purChnes, new balance ifansfera, new special purchases and haw other changes If you pay your toull "New Baance", in accordance with %e Inponard Notice for payments below, and in IoN for It to be credited by your payment dot and. Thom is fo grace period con ash Advances and spaces irerafere. In addition, theme Is no grace period on any transaction a you do not pay the trial "New Balance " b. Acaul g FmAnce Chary". Transactions which ers not subject to a glace period are assessed finance charge 1) from the dots of the transaction a 2) imm the dab the transaction is processed to Your Account a 3) from the fie alenar day of the ahem bifikg period. Additionally. If YOU did not pay the "Now BW*nW from the previous billing period in MI, fummer charges continue to eccnp to your unpala bAlence urea it* unpatd belenoe is paid in full. This means than you may sun owe finance Chang", sun A you pry the "ntk" Now Balance IntAcated on the from Of your at hemard by the PMnsnt due date. but did 110100 so lathe prwon month. Unpaid finance charges are added to the appliable segment of your Account . c. Minimum Finance Charge. Fa each billing period that Your account is Subject to a finance chaps, a minimum total RNANCE CHARGE 01 $0.50 will be Imposed. d. Twinbonry Reduction In Finance Charges. We reserve the rigbi to not naps my or ail finance charges to any given boMg period. 2. Average Day Bolen grtwwkng New Pumwas"). Finance charge M Calculated by mufilylying the ally baWws Of eats "gmela of Your account (e.g.. cash advance, purchase, special tmrtar, and Special purchase) by the corresponding day periodic rae(s) that has been PMVW" (111,111010110:1 to you. At the Add of each day during the bong period, we apply the ally perlodo nN for each segmrro 01 your account o the dally balance of each segment. Tarn at the end of the billing period, we add up the results of the" day calculations to arils at your Pnodlo Mann charge for each Segment. We add up the r"uas from each segment to amve an the total Periodic Mena chary" for your Account. To gat the daily balance la saw segment of your account, we take the beginning belance or each Segment and add Any more transactions and Ay parodic Manor champe calculated w the previous day's baNUa for that segment. We then subtract any Payments or credits poem as or that day that am Allocated to that ssgmant. This gives w the separate doily balance for esw tegrroM of your account However, ti you paid the New Balance Shown on your previous statement in full (a If Your new balance wait zero or a credit wntaant), now tranaclbns. whew pat to your purchase or spacial ptrrolNse segm"mmts am not ached to the doily balances. We cskuk" the average day bounce by adding all the airy balances together and dividing the sum by the number of the days in the Current billing Cycle. To Calculate your total firleaCe ""rye, nslNply your average dally balance by the airy Periodic mate and by the number 01 days In the billing Period. Due to rounding on a dally basis a due to minimum finance charge w"nmem. then may be a variance between this Calculation and the amount of grans charge ecbelly, amassed. 3. Annual Pwoealag" Rates (APR). a. The term "Annual Percentage Rote' may appear As "APR" on the from of this ststernsm. to. If the code P (Quarterly Prime), L (Quarterly LIBOR), C (Quarterly CD). or S (Bankard Prime) appears on the from of this statement next to the parodic rate(s), the Periodic raise and corresponding ANNUAL PERCENTAGE RATES may very quarterly and may increase or decrease based on the sated Indices, as found In The Well Street Journal, plus the margin previously disclosed to you. These changes will be efface" on the eat day of your oiling period covered by your periodic statement ending lolling the months of January, April, July and October. c. It the code D (Monthly Prima), F (Mouthy LIBOR), or G (Treasury LIBOR) appears on On from of your statement next to the periodic rNe(e), sit pado0b fates and corresponding ANNUAL PERCENTAGE RATES may very monthly and may Increase or ClainreasS based on the stated Indies, n found In The Wall Strew Journal, plus the margin previously disclosed to you. These change will be affective con the gat day of your billing period each month. 4. Asess modal of Late, OveMmh and Resumed Payment Fen. Under the terms or your customer Agreement, we reserve the right to waive or not to assess Ay tea wmunt prior notification to you without waiving our right to assess the Same a similar teas at a later unit. 5. Membership Fee and Renewing Your Account. A a merrlbershlp be appeals on this statement. wit will crew the tea It you request to close your Account within 30 days of the moiling of this Statement. You may continue to uss the account during the 30 day period before your request. If you do not pay all charges owed on this account with In g0 days. or A you we your credit cam or Account Amer you request to dose. my membership be previously waived may be reinstated to your account 8. Ckefrg or Suepeading Your Account. You may requital that your account be closed by wrong or writing Our Customer Relations popernment. At the time of your request we will provide you wish Additional details on dosing your account. This may include payment Imortatlon. 11 you use yourmmdti card or charges pat to your account Mw you ask us to Close your account, we can keep your account open or reopen k. We may close or suspend your eccarm and your right to obtain trade. We may do this at any time and for any reason. even A you am not in default. A suspension or your Account can be permanent or temporary. If your account is dosed or suspended, you must slop wing your credit pro and account. You must also angel all pr"uthorixed billing arrangements to the account. We will not do this or you. If we close or permanently suspend your account, you must sued destroy all crack pros and account access Checks. You mwt sell pay an amounts you owe us on the account, wen if they were caged after your account is closed o suspended. 7. Makbg P8Ymd m ts. Payments you mail to us will be credited to your amount a 01 the buekless day we race" it, provided (1) you sand the bottom portion of this statement and your deck in the enclosed remktarla envelope and (2) your payment Is received In our processing comer by 3pm ET (12 noon PT). Please allow at Nest five (5) business days for postal delivery . Payments received by w at any other location or in any other form may roil be credited as or the day we receive them. Our business days am Monday through Changing Address? Address ........................................................................................... Home Phone Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink. 8. Notice About Electronic Check Convention. When you provide a check a payment, you authorize us either to use Imametlw from your check to make a orrtime electronic fund transfer from your deposit Account a to process the payment as a check transaction . When ws use imamanlon from your check to make an electronic fund transfer , funds may be wkMlmovn from your deposit account es soon es the same ay ws receive your payment, and you will not revel" your check back from your flnenclN Institution. Your Authorizaibn is not limited by the date on the check. We may resubmit and electronically collect returned payments. g. Bankruptcy. It you era emhlad to bankruptcy protectlaa for your occoura, this communication is Only for Imoroaeo nal Purposes. b is not An attempt to ¢diecl. assns or recover a dada Claim. Do nd send any pym'e cis Comedy to us withad speaking with your baMrupcy attorney or the Bankruptcy Court. If you want to contact us about your $ occurs or your bankruptcy proceeding, plea" have your attorney corded us. 18ILLING RIGHTS SUMMARY fin Case or Enos or Owstions about Your Bill) 11 you think your bill is wrong, or g you reed mons Information on a transaction a bill, write to us on a separate Show a Soon a Possible, At ihe address for Inquiries shovin on the from of this Statement. We must hear from you no later than 80 aye after we sent you the first bill on which the ardor or problem appeared. You an call our Customer ReWbns number or nosy "by Smell or weballe, but doing so will not preserve your rights. In your Iethr, give us the blowing Information: your name And account number, the dollar amount 01 the suspected error, a dasodpttOn m the era and an explonatbn, a possible, of why you believe mere is an error, or A you area mom information, a daxripton of the Rem you are unsure about. You do not have to pay ay erroun In question while wa Am investigating 1. but you Are still Obligated to prey the pace of your bill that are not In question. While we Investigate your question, we Cannot report you n detinquem or take any action to Collect the amount you question. t Special Rule for Credit Card Purchases li you have a problem with the quality 01 property or services that you Purchased with a credn card and you have tad in good faith to tined the problem with tar merchant. you may have the right rot to pay the remaining amount due on the property or services. You have this protection only when the purchase prime was more then $50.00 and this purchase was made In your hone stab awtihin 100 miles 01 your mailing aodren. (If wo own or operate the merchant or If we mailed you the edvsdls~ for ihe Pmperiy or services, all purchases am covered regafdWa of amount Or location of purchase.) Please mmemberto sign all oonaapondi t Does not apply to baseless accounts CAPMI One supports Information privacy protection see our weWAe an VMLCUMNIMLOM Capital One is a federally registered service mark or capital One Financial Corporation. All rights reserved. © 2008 Capial One Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: is • Don't staple or paper clip your check to the payment slip. t I • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Cownaff whars In your wallet? LET'S TALK - WE'RE HERE TO HELP. 500009 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One® we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to vwwv.capitalone.com. 0 2009 Capital One. Capital One it a federally registered service mark. All rights reserved. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment _Due Date $1,406.79 ?- $155.00 + $28.39 $272.00 =( $155218 $237.00 Feb.1 021 10 Dec. 18, 2009 -Jan. 17, 2010 Page 1 Of 1 MasterCard Platinum Account 51704M-96137831 Your Account Information TOTAL CREDIT LINE $1,000.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $0.00 .....- Finance Charges (Please see reverse for important information) Beane rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,444.22 0.06342% P 23.15% $28.39 Cash $0.00 0.06342% P 23.15% 50.00 ANNUAL PERCENTAGE RATE applied this period: 23.15% ? At Your Service • Go to www.cautobne.oom to manage your ecoxnt, or Oat 1800.955-707010 nepolt a bet or aobn cad or speak to Cummer P.M r16 0 Pay Online at www.cmilakne.oom or met your paymem to: Oaptd One Bank (USA), N.A. • P. 0. Box 71083 • Charlotte, NC 28272.1083 A Send Inquiries to: Capital One- P.O. Boot 30285 • Sell Lea City, UT 84130-0285 ® Have a question about a charge on your stateme n Please refer to the Billing Rights Summary on the back of your statement or visit www.caoitalone.oom/disputes PLEASE PAY AT (FAST THIS AMOUNT You're behind by two payments. Lars talk. If you're having financial difficulties and can't make your minimum payment - we want to help. Lars work together to find a solution. 'Renewal Notice - See both sides of the first page of this statement for important renewal information related to your account. Payments, Credits & Adiustments 1 04 JAN CAPITAL ONE ONLINE PYMT AuthDate 02-J AN $155.00- Transactions 2 04 JAN Returned Online ACH Payme set $155,00 3 06 JAN RETURN CHECK FEE $39.00 4 11 JAN PAST DUE FEE $39.00 5 16 JAN OVERLIMIT FEE JAN 16, 2010 $39.00 Your account has gone over its credit limit. To avoid additional overlimit fees, you should pay more than the Minimum Payment Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a pest due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPfTALONE.COM TO MAKE YOUR PAYMENT ONUNE. Account Number: 5178-0572-9543-7631 Due Date New Balance Minimum Payment Amount Enclosed `Feb. 11, 2010 1 C $1,552.18 $237.00 (?- l PLEASE PAY AT LEAST THIS AMOUNT 1 5178057295437631 17 1552180155000237008 #9001707186327128# CHRISTOPHER E DOMINOSKI 402 E MAIN ST CAMP HILL, PA 37013-6322 Illllllrlllrr,1011'Ihl'111yJllllll,rlrrrllrhlhtlllllh,rrll PAPERLESS STATEMENTS Stop waiting for the mailman. View up to 13 months of statements anytime-online. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1083 IIIIIIIrIIIrrIII11,11,lllllllrr111111rr11'i'lllrll'.11111111 .1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. CHRISTOPHER E DOMINOSKI 1. Hoar to Avoid a Finance Charge. a. Grace Pabd. You War have a minimum grace period ot 25 do" without Mlahes charge on new purchases, new balance tnansfera, new special purchases and new other charges N you pay your total "New Salenee". In accordance with the Important Notice for payments below, and M time for N to be credited by your payment due data Then Is no grace period on Cash advances and special managers. In addtlon, then Is no grace period on airy transaction N you do not pay ins total b. Accruing FNanoe Charge. Transactions which w not subject to a (pace period are saawsed finance chaps t) from tle daft of the transaction or 2) from fire date the transaction is processed to your Account or 3) from the fiat WeMar dry of the currant billing period. Additionally, If you did not pry the "New Balance' from the Previous aping period In lull. finance charges Continue to acme to your unpaid baredce urNU the unpaid balance is paid In full. This mans that you may still ace finance charges . even N you pay the ware New Balance Indicated on ihe front of yourstaemam by the payment dos date. but der not do so for the previous month. Unpaid finance Charges are added to the applicable segment of your Account. e Wnina m Finance Charge. For each billing period that your 0000101 11$ alibied fo a finance Marge, a minimum total FINANCE CHARGE or $0.50 WIN be Imposed. d. Temporary Reduction M Finance Charges. We reserve the right to not assess any or aft finance charges for any given billing pwW. 2 Average Daily Balance gnekMkg New Purchassi Finance charge Is calculated by maNip" the dally bWnce of ale seamen of your account (e.g., cash advance, purchase. special tmsfer, and spacial purchase) by Vie oomsponkhg doily periodic roe(s) that no been previously discimed to you. At the and of each day during the billing period, we apply tie doily periodic rote for each segment or your account to the day balance of each sagmem. Then at the and of the baling period, we add up the results of these doily calculations to amve at your periodic Maria Chop for each segmem. We odd up the results from each segment to anNe a the total periodic shards, Merge for your account. To get the day balance for each segment of you eCceWht. we take the beginning balance for each "Where and add my new transaction ale any periodic fininnCe Charge calorrkdad ed ihe prawWn days balance for 00 segment We than subtract any payments a Credits posted a of that dry that are allocated o that sapmem. This gives us to separate daily balance for each segment of your account. However, N you paid the New Baler I shorn on your previous statamen in full for it your now balance was zero or a "ON amount), new tarhaachms, Which pool to your purchase or $pedal purchase segneMS ere not addad to the daily balances. We cakhtsa the average ply balance by adding a the dairy baanbes together ale dWOkhg the sum by the number of the days In the current billing cycle. To ceicuate your total Mince charge, mumpy your average dally balance by the daily periodic We sad by to number of days In the billing period. Ohre 10 mxmdkg M a dairy base or due to mnimum finance charge assessment, them may be a variance between Uts Calculation and the amount d finance charge actually assess d. 3. Annual Percentage Ratty (APR). a. The term `Annual Percentage Rota` may appear as "APR" on the front of this statement. b. If the code P (Quad" Prime). L (OUarteriy LIBOR), C (QUM" CD), or S (8ankotd Prime) appears on me from of this statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarlody and may Incense or decrease based on the stated Indices, as found in The Wall Street Journal. plus the margin previously disclosed to you. These Menges Will be effective on the first day of your bllling period covered by your periodic statement ending In the months of January, April, July and October. C. If the code D (Monthly Prime). F (sbmhy LIBOR), or G (rreaury LIBOR) appears on the from of your shoso ern next to the periodic roWsl the periodic rates and corresponding ANNUAL PERCENTAGE RATES my very monthly and may Increase a decrease based on the stated indices, as found In The Wall Street Journal. Pals the margin previously disclosed to you. These changes will be effective on the ant day of your billing period each month. a. Assessment of Lae, Overgmll and Returned Payment Fees. Under the terns of your CUStorrher agreement, we mane the right to waive or not to assess any fees without prior notification to you without waiving our right to assess the some or similar less at a later Ume. 5. Membership Fee and Renewing Your Account. If a membership Ise appears on this statement vie WIN oedfi the fee t you request to close your account within 30 days of the malling of this statement. You may continue to use the account during the 30 day period before your request, If you do not pay all charges owed on this scooum with in 90 days, or N you use your credit cam a account ate you request to close, any membership fes previously waived may be instated to your account. 8. Closing or Supendkq Your Account. You may request that your account be dosed by calling or wining our Customer Relations Ospariment. At the time of your request, we witl provide you with additional details or closing your account. The may include payment information. It you use your credit card a charges post to your socu m ate you ask us to close your account, we can keep your account open or reopen t. We may cote a suspend your account and your right to obtain Credit. We may do this of any time ad for any mom, wan If you are not in dalaut. A suspension of your account Can be permanent ortemporary. It your account is dosed or suspended, you must stop using your Credit card and account. You must eiso coax sit preauthodzed billing errangarems to the account. We Will not do this for you. if we eke" Of pemraheny suspend your account, you must also destroy all credit cede and sdeoum social dada. You must toil pay all amounts you owe us on the account, wen it in" Wan charged ate your account is dosed or suspended. 7. Making Payments. Payments you male to us Will be credited to your account a of the busrhess day we receive N, provided (1) you send the bottom portion of this statement and your check In the enclosed remgance envelope and (2) your payment Is receNed In our processing center by 3pm ET (12 noon PT). Please, allow at least five (5) business days for postal delivery . Payments received by us at any other location or In any other form may not be credited ft of the dry War receive them. Our business days are Money through 8. Notice About Electronic Check Convention. When you provide a check W psyrtrm. you sutonze us either to use information from your Cho& to make a ori"me eiso/ronic fund transfer from your deposit account or to process the payment as a Check transaction. When we use Information from your check to make an electronic fund transfer, funds may be Withdrawn from your deposit sodium as soon n the sate day we receive your payment. and you wNI not receive your check back from your financial Institution, Your authorization is not Ilnreled by the dale ah the check. We may resubmit and slowmk%ly coiled returned payments. 9. Bankruptcy. It you an amltied to bankruptcy protections fix your account, this communication Is only for Infomelonel purposes. It is not an attempt to collect, aeons or recover a debt a claim. Do not send any payment directly to us Without speaking wth your bankruptcy aftmey or the Bankruptcy Count. If YOU Want to Contact a about your account a your bankruptcy procowing, plains have your allomey Contact us. (BILLING RIGHTS SUMMARY (In Case of Errol or Questions about Your Bill) If you think your bill is Wrong, or it you reed more information on e transaction or bill, write to us on a separate sheet as soon as possible at the address for inquiries slhovm on the front of this statement. We musl hear from you no War than 80 days leer we sem you the flat bill on which the era or problem appealed. You can ca our Customer Reations number or no" us by small a webnhe, but doing so will not preserve, your rights. In your letter, give us the foNaMng Inforrnatbn: your name and account number, the aoaa amount of the suspected error, e description of the error and an explanation, N possible, of way you believe there Is an error, or t you need more information, a description of the Item you are unsure about. You do not have to pay any amount In quesnM while we are investigating ft. but you are still ob"ed to pay the parts of your bill that am not In question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. t Special Rue for Credit Cam Purchases ft you have a problem with the quality of property or seMCas that you purchased With a credit can end you have hied is good tafh to correct the problem with the man:ham, you may have the right not to pay the remaining amount due on the property or 39NIM. You have this protection only when the purchase price was more man $50.00 and the purchase was made in your Idfhe aide or within 100 colas of your malting addrase. (if VA own Of operate the namtent. a If ere reeked you the SftWUS MrA for the Property a Services , all pemmases are covered regardless of amount a kocaton d purchase.) Plane rememberto sign all correapo domm, t Does rot apply to business accounts Capital One supports inlortnatlon privacy protection: see our webaft at Capital One is e federally registered service medr of Capital One Financial Corporation. All right maned. O 2008 Capital One Changing Address? Address ........................................................................................... Home Phone .............................................................. Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. 200725 • CHRISTOPHER E DOMINOSKI important 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 Cq~ ,7w whaYs ?n your wallet? MAKE A PAYMENT. AND TAKE CONTROL 500010 OF YOUR CREDIT WITH CAPITAL ONE Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 0 2009 Capital One. Capital One is a federally registered service mark. AU rights reserved .......... Page 1 of 2 1-800.955.7070 www.capitalone.com Jan. 18 - Feb. 17, 2010 31 Days in Billing Cyde MASTERCARD PLATINUM NEW BALANCE MINIMUM PAYMENT $7,622.16 $323,00 PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, XXXX-XXXX-XXXX-7631 you may have to pay a $39.00 late fee and your APRs may be increased up to the Penalty APR of 23.15%. DUE DATE Mar 14, 2010 Credit Limit: $1,000.00 Cash Credit Limit: 5500.00 Available Credit: $0.00 Available Credit for Cash: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 51,552.18 - ( $0.00 J t $69.98 E 50.00 = 51,622.16 111 r You're behind by three payments. But you an bring your account current by paying the minimum payment amount on your statement N youte having financial difficulties and youte feeling overwhelmed - we want to help. Give one of our associates a all at 1.800.955.6600. You'd be surprised what we an do together to work this out. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR CHRISTOPHER E DOMINOSKI 57631 f FEES 1 11 FEB PAST DUE FEE $39.00 Total Fees This Period $39.00 Total Fees This Year $156.00 i INTEREST CHARGED INTEREST CHARGE:PURCHASES $30.98 Total Interest This Period $30.98 Total Interest This Year $59.37 I I Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. T of Balance Annual Percentage Balance Subject to Type Rate (APR) Interest Rate Interest Charge Purchases 23.15%P $1,575.86 $30.98 Cash 23.15% P $0.00 $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE:. Account Number: 5178-0572-9543-7631 Due Date New Balance Minimum Payment Amount Enclosed ........ ....... ......._........ ........ . Mar 14, 2010 f1,621.16 5323.00 PLEASE PAY AT !EAST THIS AMOUNT CHRISTOPHER E DONINOSKI 402 E RAIN ST CAMP HILL, PA 17033-6322 I•IFIIII•it11111111IIIE•III?I-III.I-11111.-111-1+IllIIlld1•II 1 5178057295437631 17 1622160155000323001 Take advantage. Take control. Manage your account online at www,wpitalone.com Make payments Review account information AQ Manage your account in privacy Capital One Bank (USA), N.A. P.O. Box 73063 Charlotte, NC 211272-1083 IIIIIII'111"VIII.11'IIIIIIIrrllllll"II'1'III'II"IIIIIIII'Illl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. CHRISTOPHER E DOMINOSKI How can I avoid paying ftm~ dharges7 Each month you pay your'Nm Balance" in full, you will have a minimum grace period of 25 days with w interest charge on all new 1) Purchases, 2) balance transfer, 3) special purchases and 4) other charges. if you have been prying your amount in full with no imtareat charges applied and you do not pay your neat bill in full, prorated interest charges will be assessed. Then is no grace period on cash advances, special transfers, or on ary now transaction when there is an unpaid balance from a previous bill. How is the Intention Chatings, , applied? Interest charges amrue from the 1) date of the transaction, 2) date the transaction is processed or 3) first akm&r day of the baling period. Interest charges avow on every unpaid amount unto it is paid in full. This mans you may owe interest charges aven if you pay the "tire'Nevv Balance' one month, but did not do w for the previous month. unpaid interest charges an added to the proper segment of your Account However, we reserve the right to not asses interest charges at any time. Do you aessas a kgnimrm Interest Charoe7 Yes. A minimum INTEREST CHARGE of S0.50 will be assessed for each bailing period your account is subject to an interest charge. Now did you Calculate the sectorial Charge? There are metal calculations that are used to determine your total interest charge. 1. To gat your Daily Balance: For each segment, t) take the beginning balance and add in new transactions and the periodic interest charge on the previous day's balance. 2) Subtract any payments and credits for that segment as of that day. The metal is the daily balance for each segment. However, if you paid your previous month's balance in full (or if your balance was zero or a credits mount), now transactions which post to your purchase or special purchase segments m not added to the dairy balances Also, transactions that m subject to a grace period m not added to the daily balances. 2. To find you Average Daly Balance: 1) add the daily balances together and 2) divide the sum by the number of days in the bilBng cycle. 3. Estimate Vow Total Interest Charge: 1) multiply your average daily balance by the daily periodic rate and 2) multiply the result by the number of days in the baling period. NOTE: Der to rounding or • minimum interest charge, the calculation may vary from the interest charge actually assessed. How an my variable Annual Percentage Rote (APIs) change] Your APR may increase or decrease based on one of seven standard indices reported in The Wall Street Journal. To find which index is used for you account, look for a code (P, L, C, S, D or F) on the front of this statement next to the APR(s). Then check the table below: Code axt to your Annual Pesoenfege Raft (APR) Index which your rates are bound on When your Annual Pautaropa Rao will change P Quarterly Prime + margin previously disclwad o you The first day of the L Quarterly LIBOR + margin previously disclosed to you billing periods that C Quarterly CD + margin previously disclosed to you and in January, April, S Bsnkcrd Prime+ magin previously disclosed to you July and October. 0 Monthly prime + margin previously disclosed to you The fires day at each F Monthly LIBOR + margin proviowy disclosed to you monthly billing G Trawry LIBOR + margin previously disclosed to you period. Are then Additional Fees associated with my accounti Yen, under amain circumstances, you may be assessed a late or Returned Payment Fee. You may also be assessed overkmit fast it you have diction to accept therm. We maerve the right to not assert fees without prior notice and without waiving our right to sense a similar fa later. Now, an I dose sae Accoum7 You may dose your amount by calling or writing our Customer Relations Department. At that time, we will provide additional details including payment intonation. If you use your credit card or charges post to your amount after you ask us to dose it, we an keep your amount open. What happens If my Amanint is 7 We may close or suspend you account and your right to obtain credit at any time and for any reason, son if you are not in default . Account suspension an be permanent or temporary. N your account is dosed or suspended you must 1) stop using your credit card and amount, 2) cancel all automatic payments, 3) destroy all credit cards and acceu checks, and 4) pay all amounts you owe us, seen if they were charged .her ft account was dosed w suspended. Ross do I Make yi Payments you mail to us will be credited to your account a of the business day we main it, as long as: 1) you send the bottom portion of the statement and your dock in the endosW remittance envelope, and 2) your payment is received in one of our processing centers by spin local time. Please allow at least (7) business days for nail delivery. Mailed payments received by us at any other location or in any other form may not be credited as of the day we receive them. Do you Process Paper Chocks as an Electronic Funds Trarssferi When you provide a check as payment, you authorize to and our agenn either to use infomution from your check to make a ore-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your dn& to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon a the same day we receive your payment and you will not receive you check back from your financial institution. Your authorization is not limited by the date on the check We may resubmit and electronically collect the returned paymena. What 111 file for Bankrupt If you art entitled to bankruptcy protection, this communication is for information only, it is not an attempt to collect, seats or recover a debt or claim. Do not send us payments without speaking with you bankruptcy attorney or the Bankruptcy Court , If you or your attorney would like to contact our bankruptcy claims servker directly, please contact: Capital One PO Box $5167. Richmond, VA 23285.5167 BILLING RIGHTS SUMMARY (Does Not Apply to Smolt Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think them is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your letter, give us the following information: Account information: Your dorm and account number. Dollar amount The dollar amount of the suspected error. Description of Problem: If you think them is an error on your bill, describe whet you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify W of any potential errors in writing. You may call us or notify us by webehe, but if you do we m not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the followng are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. -YOU do not need to pay any deputed amounts and related interest charges or fees until we send you a notice about the outcome of our investigation. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We an apply any unpaid amount against your credit limit. Your Rights N You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you how purchased with your credit card, and you have triad in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use the right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of you current mailing address, and the purchase price must have been more than $50. (Note: Neither of than are necessary if your purchase was bated on an advertisement we mailed to you, or if we own the company that sold you the goods or services) 2. You must have used you credit card for the purchase. Purchases made with ash advances from an ATM or with a check that scaues your credit card account do not qualify. 3. You must not yet haw fully paid for the purchase. If all of the oiteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capitol One P.O. Box 30285 Salt Lake Gy, UT 84130-0285 Wile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Capital One supports information privacy protection: see our will at www.capitolone.com Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved ® 2010 Capital One TC-08 01/30/10 Changing Address? Address ........................................................................................... Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. 0 L? Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com C -;x Paget of 2 1-NO-955-7070 www.capitalone.com i Jan.18 - Feb.17, 2010 31 Days in Billing Coe MASTERCARD PLATINUM XXXX-XXXX•XXXX-7631 I Credit Limit: $1,000.00' Available Credit: (0.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit limit: (500.00 $1,622.16 $323.00 Mar 14, 2010 ( Available Credit for Cash: $0.00 J Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 51,552.18 - 50.00 f l + (69.98 j + I 20.00 c Ef1,622.16 TRANSACTIONS CONTINUED Your account has gone over its credit limit. To avoid additional overlimit fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purdwses, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the firture, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. TAKE CONTROL OF YOUR CAPITAL ONE* tafiarsJnyou.evaJret7 ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. 500011 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. m 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. Page 1 of 2 1.800.955.7070 ............................. __..__.. ... ............... ...... www.capitalone.com I Feb. 18 Mar 17, 2010 28 Days in Billing Cyde MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balarKe. For example: MASTERCARD PLATINUM XXXX-XXXX-)(X)(X-7631 Payment Amount Each Period If No Approximate Time to Pry Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Am Me& Statement Balance Total Cost $1,690.29 $408.00 Apr 14, 2010 Minimum Payment 12 Years 53,190.06 i If you would like irdomration about credit counseling services, call 1-888-326.8055. PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum yo payment by your due date, Credit Limit: $1,000.00 $500.00 Cash Credit Limit: you may have to pay a $39.00 late fee and your APRs may be increased up to the Penalty APR of 23.15%. . Available Credit: $0.00 Available Credit for Cash: $0.00 Previous Balance Payments and Credits Pees and Interest Charged Transactions New Balance $1,621.16 l - 50.00 + ( $68.13 + ( $0.00 = 51,690.19 You're behind by four payments. But you can still bring your account current by paying the minimum payment amount on your statement. Need help? Give us a call at 1400.955.6600. Well work together to find a solution. TRANSACTIONS PAYMENTS, CREDITS i ADJUSTMENTS FOR CHRISTOPHER E DOMINOSKI #7631 FEES 1 15 MAR PAST DUE FEE $39.00 Total Fees This Period $39.00 Total Fees This Year $195.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $29.13 Total Interest This Period $29.13 Total Interest This Year $88.50 i Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 23.15%P $1,640.30 $29.13 Cash 23.15%P $0.00 I $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057295437631 17 1690290155000408001 Cjg- Account Number: 5178-0572-9543-7631 Due Date New Balance Minimum Payment Amount Enclosed Apr 14, 2010 ( $ 1,690.29 5408.00 )( , PLEASE PAY AT (FAST THIS AMOUNT Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information 4Q Manage your account in privacy CHRISTOPHER E DORINOSKI 402 E MAIN ST CAMP HILL, PA 17011-6322 (I'III'r111111'11"'I'•I111-111'1111'I1II1'1'II.1[111-1 1111'1111 Capital One Bank (USA), N.A. P.0• Box 71063 Charlotte, NC 26272-1063 IIIIIIIrI11rrII111?11rIIIllIlrrllllllrrll?lrlll?ll??llllllll?l111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. CHRISTOPHER E DOMINOSKI How can I avoid paying IM~ CMraes7 Each month you pay your "New Balance' in full, you will have a minimum grew period of 25 days with m interest charge on all new 1) Purchases, 2) balance trantfe. 3) special purchases and 4) other charges. If you have been paying your account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is ne grace period on cash advances, special transfers, or on any new, transaction when there is an unpaid balance from a previous bill. How Is the IMereat Chance applied? Intaest charges accrue from the 1) data of the transaction, 2) date the transaction is processed or 3) first calendar day of the billing period. Intret charges accrue on every unpaid amoum will it is paid in full. This means you may owe interest charge even if you pay the am" -New Balance' one month, but did not do so for the previous month. Unpaid interest charges are added to the proper segment of your Account. However, we reserve she right to not axes interest charge at any time. Do you aws • Minimum Interest Chan Olt Yes. A minimum INTEREST CHARGE of 50.50 will be assessed for each billing period your amount is subject to an interest charge. Now did you Calculate the Interest Charu? Then arc several calculations that are used to determine your total intent charge. 1. To get your Daily Balance. For each segment, 1) take the beginning balance and add in new, transactions and the periodic interest charge on the previous day's balance. 2) Subtract any payments and credits for that segment as of that day. The real) is the daily balance for each segment. However, d you paid your previous month's balance in full (or it your balance was zero or a credit amount), new transactions which post to your purchase or special purchase segments arc not added to the daily balances. Also, transactions that are subject to a grace period ace not added to the daily balances. 2. To find your Average Daily Balance: 1) add the daily balance together and 2) divide the turn by the number of days in the bill cycle. 3. Estimate your Total Inter sat Charge: 1) multiply your average daily balance by the dally periodic rat and 2) multiply the route by the number of days in the billing Period. NOTE: Due to rounding or a minimum intent charge, this calculation may vary from the intew charge actually assayed. How can my variable Annul Pencentam Rate Wig change? Your APR may increase or d-. bated on one of even standard indices reported in The Wall Street Joumal. To find which laden is wed for your amount, look for a code (P, L, C, S, D or F) on the front of this statement next to the APR(s). Then check the table below: Code next to your Annual Wrcentage Rob (APR) Index which your rates are based on When your Annual PercaMage Rat VIII diange P Quarterly Prime + margin previously disclosed to you The first day of the L Quarterly LIBOR + margin previously disclosed b you billing periods Mal C Gurtrly CD + margin previously disclosed to you end in January, April, 3 Bankwrd Prime + margin previously disclosed to you July and October. D Monthly Prime + margin previously disposed to you The first day of each F Monthly LIBOR + margin previously disclosed b you monthly billing G Treasury LIBOR+ margin previously disclosed to you period. Are that Additional Fain associated with my account? Yea, under certain circumstance, you may be assasd a Late or Returned Poymrst Fee. You may also be charged ovedimit fees it permitted by law. We reserve the right to not nets fee without prior reties and without waiving our right to rise a similar in later. Him can I Close My Account? You may dose your account by calling or writing our Customer Relations Department. At that tine, we will provide additional details including payment information. It you was your credit card or charge post to your account after you ask us to dose it, we can keep your account open. What happens; H my Account is Susmanded? We may close or suspend your account and your right to obtain credit at any time and for any reason, even it you err not in default. Account suspension can be pemurunt or temporary. H your account is dosed or suspended you must 1) stop using your credit cad and account, 2) canal all automatic payments, 3) destroy all credit cards and access dedis, and 4) pay all amounts you owe us, even it they were charged ate the account was dosed or suspended. How do 1 Make Itentruentl 7 Payments you mail to us will be credited to your account as of the business day we receive it as long as: 1) you sand the bottom portion of this statement and your deck in the enclosed senitMnw envelope, and 2) your payment is received in one of our processing antes by Sp en local time. New allow at least (7) busines, days for mail delivery. Mailed payments received by us et any other location or in any other form may not be credited as of the day we receive them. Do you Process Papor Checks as an Electronic Funds Trarnfel/ When you provide a check as payment, you authorize us and our agents either to use information from your check to make a one-time electronic fund transfer from your deposit account or to procef the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. Your authorization is not limited by the date on the check. We may resubmit and electronically collect the returned payments. What N I file for BanlvunmM If you are entitled to bankruptcy protection, this communication is for information only, it is not an attempt to collect, assess or recover a debt or claim. Do not send us payments without speaking with your bankruptcy attorney or the Bankruptcy Court. If you or your attorney vwuld like to contact our bankruptcy claims servicer directly, plane rnntatt: Capital One - PO Box 85167 - Richmond, VA 232855167 BILLING RIGHTS SUMMARY (Don Not Apply to Small Business Accounts) What To Do N You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your letter, give us the following information: Amount information: Your mine and account number. Dollar amount: The dollar amount of the suspected error. De Iption of Problem: If you think there is an error on your bill, describe whet you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error append on your statement You must notify us of any potential error in writing. You may call us or notify us by website, but it you do we ace not required to investigate any potential erron and you may have to pry the amount in question. While we investigate whether or not there has been an error, the following arc true: We cannot try to coBact the amount in question, or report you as dNbquent on that amount. -YOU do not reed to pay any disputed amounts and rutted intermit charge or fes until we send you a notice about the outcome of our Investigation. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, it we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fee related to that amount While you do not have to pay the amount in question, you arc responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights N You Are Dissatisfied! With Your Credit Card Purchase. If you are dissatisfied with the goods or service that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: t. The purchase must have been made in your home suit or within 100 mitts of your current mailing address, and the purchase price must have been mot than $50. (Not: Neither of these am necessary it your purchase was based on an advertisement we mailed to you, or it we own the company that sold you the goods or services.) 2. You must have tied your credit card for the purchase. Purchase made with cash advance from an ATM or with a check that accases your credit card account do not qualify. 3. You must net yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital one P.O. Box 30285 Salt Lake Ory, UT 84130-0285 While we imestgate, the same risks apply to the disputed amount as discussed above. After we (inch our investigation, we will tell you our decision. At that point, 0 was think you owe an amount and you do not pay we may report you as delinquent. Capital One supports information privacy protection: see our website at wwlw.capitalone.om Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved ® 2010 Capital One TC-08 03MI110 Changing Address? Address ................ Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. L? Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com C -;a MW Px- Page 2 of 2 1-800.955.7070 www.capitalone.com Feb. 18 - Mar. 17, 2010 28 Days in Billing Cycle '•_ __ ....................... ........... .. Credit Limit: $1,000.00 MASTERCARD PLATINUM XXXX-XXX1(-X10(X-7f 31 Available Credit: $0.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limit: $500.00 $1,690.29 (408.00 Apr 14, 2010 Available Credit for Cash: SOHO Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $1,621.18 - 90.00 } ( 568.13 + $0.00 c $1,690.19 f TRANSACTIONS CONTINUED _ i You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. 500012 CW" what's In your wallet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our fry check by phone service or speak to an associate by calling 1.800.955.6600, O 2009 Capital One. Capital One is a ffderally registered service mark. All rights reserved. Page 1 of 2 1-808955-7070 www.capitalone.com Mar. 18 - Apr. -17, 2010 31 Days in Billing Cycle MASTERCARD PLATINUM XXXX-XXXX-XXXX-7631 NEW BALANCE MINIMUM PAYMENT DUE DATE $1,762.94 $498.00 May 14, 2010 PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: $1,000.00 Cash Credit Limit: $500.00 lAvail" Credit: $0.00 Available Credit for Cash: $0.00 MINIMUM PAYMENT WARNING: if you make only the minimum payment each period, you will pay more in Interest and it will take you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Thrw to Pry Off Estimated Additional Charges Are Made statement Balance Total Cost Minimum Payment 12 Years $3,242.61 If you would like information about credit counseling services, call 1-888.326.8055. LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a $39.00 late fee and your APRs may be increased up to the Penahy APR of 23.15%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 1 $1,690.29 - $0.00 + $72.65 } I $0.00 = $1,762.94 l..__........._........ ..... ... You're behind by five payments. If you continue to miss payments your account is at risk of being charged off. Please don't let this happen. d you're feeling overwhelmed, call us at 1.800.955.6600. We'll work with you to resolve this matter. (TRANSACTIONS PAYMENTS, CREDITS 8 ADJUSTMENTS FOR CHRISTOPHER E DOMINOSKI #7631 i I. i FEES 1 14 APR PAST DUE FEE $39.00 Total Fees This Period $39.00 Total Fees This Year $234.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $33.65 Total Interest This Period $33.65 Total Interest This Year $122.15 i Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your acmum. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 1 23.15%P $1,711.50 $33.65 Cash 23.15% P $0.00 $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057295437631 17 176294n155nnn49Rnns Account Number: 5178-0572-9543-7631 Due Date New Balance Minimum Payment Amount Enclosed j May 14, 2010 1 $1,762.94 $498.00 l ,_.__................... ._ ...._. , ............ ._.................. .. PLEASE PAY AT LEAST THIS AMOUNT CHRISTOPHER E DOMINOSKI 402 E RAIN ST CAMP HILL, PA 37033-6322 J,rLllll'IIll- IIIIIIIIIIII nP'1'II- fill - IIIIIIII..Lllyll Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information Aia Manage your account in privacy Capital One Bank (USA), N.A. P.O. Box 73083 Charlotte. NC 28272-1083 IIIIIIIrIIIrrlllll•II?IIIIlIIrrllllllrrll?lrlll?ll??IIIIIIII?IIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. CHRISTOPHER E DOMINOSKI How can 1 avoid paying hlteteer Charaes7 Each month you pay your 'New Balance' in full, you will have a minimum grace period of 25 days with no interest charge on all new 1) purchases, 2) balance transfers, 3) special purchases and 4) other charges. H you have been paprhg yaw account in full with no interest charges applied and you do rat pay your next bill in full, prorated interest charges will be assessed. There is no grace period on cash advances, special transient, or on any new transaction when there is an unpaid balance from a previous bill. How is the Interest Chase applied'! Interest charges accrue from the 1) date of the transaction, 2) date the transaction is processed or 3) first calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in full. The means you may owe interest charges even if you pay the entire 'New Balance' one month, but did not do so for the previous month. Unpaid interest charges are added to the proper segment of your Account. However, we reserve the right to not assess interest charges at any time. Do you assese a MMkntm Irtftnst charoe7 Yes. A minimum INTEREST CHARGE of $0.50 will be sssewd for each b dkq perod your account is sub M to an interest charge. lbw did you calculate she Intesea Cha se? There am surest calculations that are used to determine your total interest charge. 1. To get your Daily Balance: For each segment, 1) take the baginninp balance and add in new transactions and the pandit interest charge on the previous day's balance. 2) Subtract any payments and credits for that segment as of that day. The redt is the daily balance for each segment. However, if you paid your previous month's balance In full (or if your balance wes coo or a credit amount), new lransactiom which post to your purchase w special purchase segmenb am not added to the daily balances. Aso, transactions that am subject to a grace period are not added to the daily balances. 2. To find yaw Awrage Daily Balance: 1) add the daily balances together and 2) divide the sum by the number of days in the billing cycle. 3. Estimate your Total Interest Charge: 1) multiply your average daily balance by the dally periodic rate and 2) multiply the result by the number of days in the billing period. NOTE: Due to rounding or a minimum interest charge, the calculation may vary from the interest charge actually assessed. How can my variable Annual Fercentaw Rife (APW change? Your APR may increase or dacrease based on one of sewn standard indices reported in The Wall Street journal. To find which index is used for your account, leak for a code (P, L, C. 5, D or F) on the front of this statement next to the APR(s). Then check the table hslovv Code Md t your Annual Peroerhftge Raft (APR) Index which your rate arc baited on When your Annual Raft will change P Quarterly Prime+ margin previously disclosed to you The first day of the L Career ley LIBOR + margin previously d'rsclosed to you billing periods that C puartedy CD + margin previously dhcbead b you end in January, April, S Benkcard Prime + margin previously disObsed to you July end Ocloba r. D Monthly Prime + margin previously disclosed to you The first day d each F Monthly LIBOR + margin previously disclosed to you monthly billing G Treasury LIBOR + margin previously disclosed to you period. Are then Additional Fm associated with my account? Yes, under certain circumstances, you may be assessed a Late or Returned Payment Fee. You may also be charged overlimit fees it Permitted by law. We reserve the right to not assess fees without prior notice and without waiving our right to assess a similar in later. How can I gyptT You may dose your account by calling or writing our Customer Relations Department. At that time, we will provide additional details including payment information. H you use your credit card or charges post to your account after you ask us to dose it, we can keep yaw account open. What happen H my Account Is Sumsencled? We may class or suspend your account and your right to obtain credit at any time and for any reason, even if you an not in default. Account suspension can be permanent or temporary, if your account is dosed or suspended you must s) stop wing your credit card and account, 2) cancel ail automatic payments, 3) destroy all credit cards and access checks, and 4) pay all amounts you owe us, even if they were charged ohm the account wes closed or suspended. How do I Make pwmemb Payments you mad to uswill be credited to your account as of the business day we receive it, a long es: 1) you send the bottom portion of the statement and your check in the enclosed remittance mveloM and 2) your payment is received in one of our processing centers by 5pm local time. Ruse allow at lent (7) business dap for mail delivery. Mailed payments received by us at any other location or in any other form may not be credited as of the day we receive them. Do you process Paper Checks man Electronic Funds Trarufe When you provides check as payment, you authorize us and ow agents either to use information from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your chock to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. Your authorization is not limited by the date on the dwir. We may resubmit and electronically collect the returned payments. What H I file for BankruotM If you am entitled to bankruptcy protection, this communication is for information only, it is not an attempt to collect, assess or recover a debt or claim. Do not send us payments without speaking with yaw bankruptcy attorney or the Bankruptcy Court. H you or your attorney would like to contact our bankruptcy claims servicer directly, please contact Capital One - PO Box 85167 Richmond, VA 23285-5187 BILLING RIGHTS SUMMARY (Does Not Apply to Small Business Accounts) What To Do N You Think You Find A Mistake on Your Statement: If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 841300285 In your letter, give us the following information: Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 8p dap after the error appeared on your statement. You must notify us of any potential iron in writing. You may call us or notify us by websim, but it you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true: . We cannot try to collect the amount in question, or report you in delinquent on that amount. -YOU do not need to pay any disputed amounts and related interest charges or fees until we send you a notice about the outcome of our investigation. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, it we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights H You An desatkRed With Your Credit Card Purchases. H you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase . To use this right all of the following must be tme: I. The purchase must have been made in your home state or within too miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that said you the goods or services) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a duck that accesses your credit card account do not qualify. 3. You must not yet hew fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One P.O. Box 30285 Salt Lake City, UT 841300285 While we investigate, the tams rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Capital One supports information privacy protection: sea our website at www.capitalone.com Capital One e a federally registered service mark of Capital One Financial Corporation. All rights reserved ® 2010 Capital One TC-08 03MI/10 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Page 2 of 2 1400.955.7070 -? www.capitalone.com I Mar. 18-Apr.17,2010 31 Days in Billing Cycle MASTERCARD PLATINUM XXXX-XXXX-XXXX-7631 1 Credit limit: S1,00000, Available Credit: 80.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit limit: 8500.00 $1,762.94 $498.00 May 14, 2010 Available Credit for Cash: 80.00 ..... _..... .._..._ .... _... ... _.......... _ .... ..... ................_...._........__.._._._._._....._._.... Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 81,690.29 - i $0.00 I } 572.65 j + i 10.00 ^$1,762.94 -- i TRANSACTIONS CONTINUED 'I You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. what's in your wallet? 500013 IT'S TIME TO TAKE CONTROL OF YOUR DEBT. WE'RE HERE TO HELP. Even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by the due date to eliminate the risk of 'being charged off. ® 2005 Capital One. Capital One is a federally registered service mark. AM rights reserved Page 1 of 2 1.800-9SS-7070 www.capitalone.com I Apr.18 - May.17, 2010 30 Days in Billing Cycle ............... ..._. MASTERCARD PLATINUM )O=-X)=-X)=-7631 NEW BALANCE MINIMUM PAYMENT DUE DATE $1,835.89 $589.00 Jun 14, 2010 PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: $1,000.00 Cash Credit Limit: $500.00 Available Credit: $0.00 Available Credit for Cash: $0.00 Previous Balance ........51,762.94 Payments and Credits - $0.00 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and It will take you longer to pay off your balance. For example: PaymentAmount Each Period If No ApproximateTime to Pry Off Estimated Additional Charges Are Made Statement Balance Total Cast Minimum Payment 12 Years $3,283.31 If you would like information about credit counseling services, call 1-888-326-8055. LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a S39.00 late fee and your APRs may be increased up to the Penalty APR of 23.15%. Fees and Interest Charged Transactions New Balance + $72.95 + I $0.00 = ( $1,835.89 i You're behind by six payments. ff we charge off your account due to late or missed payments, finance charges will continue to accrue. Ad now to prevent this from happening. Please pay the minimum payment amount on your statement or give us a I call at 1.800.955.6600. We're here to help. Take control of your credit with Capital One. I TRANSACTIONS PAYMENTS, CREDITS a ADJUSTMENTS FOR CHRISTOPHER E DOMINOSKI #7631 FEES 1 14 MAY PAST DUE FEE $39.00 Total Fees This Period $39.00 Total Fees This Year $273.00 INTEREST CHARGED INTEREST CHARGETURCHASES $33.95 j Total Interest This Period $33.95 Total Interest This Year $156.10 I i I Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases I 23.15%P $1,784.45 $33.95 Cash 23.15%P $0.00 I $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE.. 1 5178057295437631 17 1835890155000589005 Account Number: 5178-0572-9543-7631 Due Date New Balance Minimum Payment Amount Enclosed Jun 14, 2010 $1,835.89 $589.00 PLEASE PAYAT LEAST THIS AMOUNT CHRISTOPHER E DOMINOSKI 402 E MAIN ST CAMP HILL, PA 17011-6322 111"1111"I'll 1'116111,1'IHInh, 11111111111.1111111„ 1'11,111 Take advantage. Take control. Manage your account online at www.capitalone.com Make payments • Review account information AQ Manage your account in privacy 400006, Capital One Bank (USA), N.A. P.O. Box 710413 Charlotte, NC 28272-1063 1111111.111--IIIII,11-1111111rr111111„II.I.III,II•.11111111,1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. CHRISTOPHER E DOMINOSKI Have can I avoid paying Inhrea Chances? Each month you pry your "New Balance" m full, you will have a minimum grace period of 25 days With im interest charge on all new, 1) purchases, 2) balance transfers, 3) special purchases and 4) other charges. N you haw been paying your account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. Then is no grace period on cash advances, special irensfers, or on any new transaction when there is an unpaid balance from a printout bill. How Is the IMeemst Chorus applied? Interest charges accrue from the 1) date of the transaction, 2) date the transaction is processed or 3) first calerdar day of the baling period. Interest charges amnle on awry unpaid amoum until it is paid in full. This metre you may owns interest dusges even if you pay the entire -New Balance- one month, but did not do so for the previous month. Unpaid interest charges m added to the proper segment of your Account. Hwwver, we reserve the right to not assess interest charges at any time. Do you ,sees a Mliolne on lmeraes ft!? Yes. A minimum INTEREST CHARGE of $0.50 will be assessed for each loaning period your account is subject to an interest charge. Now did you Calculate the Interest Charge? There aria worst calculations that are used to determine row old interest charge. 1. To gat your Daily Balance: For each segment, 1) take the beginning balance and add in new, transactions and the periodic moment charge on the previous days balance. 2) subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, it you paid your previous month's balance in full (or if vow balance was am or a credit amount), new transactions which post to row purchase or spew[ purchase aegments arc not added to the daily balances. Also, transactions that m subject to a grace period m not added to the daily balances. 2. To find vow Average Daily Balance: 1) add the daily balances together and 2) divide the sum by the number of days in the billing cycle. 3. Estimate your Total Interest Charge: 1) multiply your average dear balance by the doily periodic rate and 2) multiply the rsuh by the number of days in the billing period. NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the mt~ change actually assessed. Now an m/ variable Annual Pars m Rate (APR) change? Your APR may increau or decreese based on one of seven standard indices reported in The Wall Street Journal. To find which index is used or your account, leak for a cow IF, L, C, 5, O or F) on the front of this statement next to the APR(s). Then check the table below: Code amid to your Annual Peroentegm Rah (APR) Index which your rafts arm based on When your Annual Pmrcentaga Rah will change p Quarterly Prime + margin previously disclosed to you The first day of the L Quw" LIBOR + margin previously (liscoew o you billing periods that C Quarterly CO + margin previously disclowd to you end in January. April, s Bankcard Prime + margin provously disciwed b you July and October. D Monthly pima + margin prmsiously disclosed to you The first day of each F Monthly LIBOR + margin previously disclosed to you monthly billing G Tra awry LIBOR + margin previously disclosed to you period. Are shore Adcltdaml Fm asodated with my account? Yes, under certain circumstances, you may be assessed a Late W Returned Payment In. You may also be charged ovortimit fees it permitted by law. We reserve the right to not aesess fees without prior notice and without waiving our right to aids a sanue fee later. slow can I Case ItIvAmount? You may close your account by caning or writing our Customer Relations Department. At that time, we will provide additional details including payment information. If you use your crack card or charges post to your account afar you ask us to dose it, we can keep your account open.TO mid paying any applicable membership fees, call to close Vow amount prior to the end of the cycle in which it is scheduled to be billed. What happens N my Amount 7 We may class or suspend vow amount and your right to obtain credit at any time and for any reason, even it you are not in default. Account suspension an be pemunent or temporary. N your amount is dosed or suspended you must 1) stop using your credit card and account, 2) anal all automatic payments, 3) destroy all credit cads and access checks, and 4) pay all amounts you owe us, wen if they were durged altar the amount was dosed or suspended. How do I Make 7 Payments you mail to us will be credited to your amount as of the business day we receive it, a long a: 1) you send the bottom portion of this statement and yaw aleck in the enclosed remittance envelop, and 2) your payment is received in one of our processing centers by Span local time. Rene allow at lust (7) business days for mail delivery. Mailed payments received by us at any other location or in any other form may not be credited as of the day we receive them. Do you Process Paper Checks as an Electronic Funds Trend* When you provide & check as payment, you authors, us and our agents either to use information from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your deposit account as aeon as the same day we receive your payment and you win not receive your check back from your financial institution. Your authorization is not limited by the data on the check. We may resubmit and electronically collect the returned payments. What it 1 file for Befall M If you am entitled to bankruptcy protection, this communication is for information only, it is not an attempt to collect, assess or recover a debt or claim. Do not send us payments without speaking with your bankruptcy attorney or the Bankruptcy Court. if you or your attorney would like to contact our bankruptcy claims servicer directly, please contact: Capital One - PO Box 85167 Richmond, VA 23285-5167 BILLING RIGHTS SUMMARY (Does Not Apply to Small Business Amounts) What To Do N You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital one P.O. Box 30285 Salt Lake City, Ur 84130-0285 In your letter, give us the following information: • Amount information: Your more and account number. • DpBar amount The dower amount of the suspectederror. . Description of Problem: If you think there is an error on your bill, describe what you believe is Wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify w of any potential errors in writna. You may call us or ratify uselectronicak but if you do We am not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and We may continue to charge you interest on that amount. But, if we determine that we made a mistake, you Will not have to pay the amount in question or any interest or other fat related to that amount. While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you arc responsible for the remainder of your balance. . We an apply arty unpaid amount against your credit limit. Your Rights N You Are Dissatisfied With Your Credit card Purchases. If you arc dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pry the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 mils of your current mailing address, and the purchase price must haw been more than $50. (Note: Neither of than are necessary if your purchase was based on an advertisement we mailed to you, or if We own the company that sold you the goods or services.) 2. You must haw used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet haw fully paid for the purchase . If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writino at: Capital One P.O. Box 30285 Salt Lake Qty, Ur 84130-0285 While m investigate, the same rules apply to the disputed amount as discussed above. Alter we finish our investigation, we will tell you our decision. At that point, it we think you owe an amount and you do not pay we may report you a delinquent. Capital One supports information privacy protection: our our wisbaite at www apitaone.com Capital One is a federally registered service mark of Capitol One Financial Corporation. All rights reserved © 2010 Capital one TC-08 05,O1/10 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ........................................................................................ Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • last but not least, be sure to write your 16-digit account number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com C -;x ........ _............. Page 2 of 2 1-800-95S-7070 ........ www.capitalone.com Apr.18 May.17, 2010 30 Days in Billing Cycle MASTERCARD PLATINUM XXXX-XXXX-XXXX•7631 Credit limit: ;1,000.001 Available Credit: ;0.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit limit: ;500.00 $1,835.89 $589.00 fun 14, 2010 Available Credit for Cash: ............... ;0.00 Previous Balance n Payments and Credits Fees and rest Interest Charged Transactions New Balance _ ? + 9 e _ -tC _ + ;o.oo ;L835.89 ( TRANSACTIONS CONTINUED You were assessed a past due lee because your minimum payment was rat received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Please note that in your newly revised Customer Agreement, issued in early 1010, the Arbitration Agreement has been removed. 500343 Your account works differently now that you're 7 payments late. Please see the next page for important account information. ........ __.............. .....__ .... .......... ........._.., Page 1 of 2 1-x00.251.9319 -? www.capitalone.com/solutions May. 18 • Jun. 17, 2010 31 Days in Billing Cycle .....__ ................. ...._......_, IMPORTANT ACCOUNT UPDATES MASTERCARD PLATINUM 5178-0572.9543-7631 Your full balance is due. Any payment you make will reduce your balance and help pay off NEW BALANCE PAYMENT DUE DUE DATE your debt faster. The amount you owe may differ if you've entered into a separate payment $1,911,43 $11,911.43 PAST DUE agreement. Availahk Credit: $0 .Do A Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 51,835.8 - 10.00 l + $75.54 + I $0.00 51,911.43 TRANSACTIONS 1 PAYMENTS, CREDITS & ADJUSTMENTS FOR CHRISTOPHER E DOMINOSIO #!7631 FEES 1 14 JUN PAST DUE FEE $39.00 Total Fees This Period $39.00 Total Fees This Year $312.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $36.54 Total Interest This Period $36.54 Total Interest This Year $192.64 I I Help is Available. Just pick up the phone. Call 1-800.258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) (Merest Rate Purchases i 23.15%P $1,858.50 $36.54 Cash , 23.15% P I $0.00 I $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COW/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE. 1 5178057295437631 17 1911430155001911433 C111110 W- Account Number: 5178-0572-9543-7631 Due Date New Balance Amount Enclosed ................ Past Due $1,911.43 Manage your account online. JU Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. 4otwo4 CHRISTOPHER E DOMINOSKI 402 E MAIN ST CAMP HILL, PA 17033-6322 III.I.111111.II,IIIILL1.,1PI•I„IIII„IIII - III -I Ihl,lb,11.11 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 28272-1083 ullll1il11??n111?1rh11111??11nh??ll?l?llhll??llhlhl?lnl Please make chedrs payable to Capital One Hank (USA), N.A. and mail with this coupon in the enclosed envelope. How can I avoid paying Interest Charoes7 Each month you pay your -New Balance- in fun, you will have a minimum grace period of 25 days with no interest charge on all new, 1) purchases, 2) balance transfers, 3) special purchases and 4) other charge. N you have been paying your account in full with nd interest charges applied and you do not pay your next bill in full, prorated interest charges Wig be assessed. Than is no grace period on cash advanca, special transfers, or on any new transaction when them is an unpaid balance from a previous bin. Now is the Interest Charge applied? Interest charges accrue from the 1) date of the transaction, 2) dam the transaction is processed or 3) first calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in full. The means you may owe interest charges even if you pay the entire 'New Balance^ one month, but did not do so for the previous month. Unpaid interest charge am added to the proper segment of your Account. However, we reserve the right to not assess interest charges at any time. Do you arses a MlMrrum Interest Chance? Yes. A minimum INTEREST CHARGE of 50.50 will be assessed for each ltunrg period your account is subject to an interest charge. Flow did you Cakulats, the theme Charge? There am several calculations that are used to determine your teal interest charge. 1. To get your Daily Balance: For each segment, 1) take the beginning balance and add in new tanfactions and the periodic interest charge on the previous dry" balance. 2) Subtract any payments and credits for that segment as of that dry. The result is the daily balance or each segment. However, if you paid your previous month's balance in full (or it your balance was zero or a credit amounts new transactions which port to your purchase or special purchase segments are not added to the daily balances. Also, transactions that am subject to a grace period are not added to the daily balances. 2. To find your Average Wily Balance: 1) add the daily balance together and 2) divide the sum by the number of drys in the biding cycle. 3. Estimate your Total Interest Charge: 1) multiply your average daily balance by the daily periodic rate and 2) multiply the result by the number of days in the billing period. NOTE Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed. Is the'Psynant Due' a Pwoff Amount No. All stated amounts are owed on the date of the statement. However, because interest, late charges and other charge might charge from day to dry a provided in your customer agreement, the amount due on the day you pry may be largest. For example, if you pay the amount sated in Whit statement, your account might still have a balance afar your payment is received. Also note that the amount you owe may differ if you've entsd into a separate payment arrangement. Please call the number on the front of the statement or an cad payoff amount. Now can my variable Annual (AM charge? Your APR may increase or d-a based on ova of seven standard indices reported in TM Wax Street Journal. To find which index is used for your account, look for a code (P, L, C, 5, D or F) on the front of this statement next to the APR(s). Then check the able below Code next to your when your Annual Annual Percentage Index which your rues am based on percentage Rah Rats (APR) ..............__..............._.... -- ......._.................._..._............_..._... will change P ................................................ 0urfeny Prime a marg in previously IIisobaed to you ............................................ T h is Bmi day d the L Quarterly LIBOR + margin previously disclosed to you biding periods gut C Quiet" CO a margin Prevbualy dsclosed to you end in January, April, S Bankcard Rime + margin Previously disclosed to you July and October. D Monthly Rime a margin previously disclosed so you The fast day of each F Monthly LIBOR a margin P-d.ly dkdoasd to you monthly billing G Treasury LOOK + margin Ixe.douetyaacbasd o you period. rim Inane PAOMB&I sedated with my aaount? Yes, under chain circumstance, you may be assessed a Late or Returned Payment Fee. You may also be asserted over imit fees if panmit"d by law. You veal also be required to pay -1 01 our actual collection expenses, Momeys' fee and court costs unless the law does not allow us to coiled the amounts. We reserve the right to not asses fees without prior notice and without waiving our right to alas a similar fee later. What happens H my &ggynt k sly ? We may close or suspend your account and your right to obtain credit at any time and or any reason, even if you am not in default. Account suspension can be permanent or temporary. H your account is dosed or suspended you must 1) stop using your credit card and amount, 2) cancel all automatic payments, 3) destroy all credit cards and accasa checks, and 4) pay all amounts you owe us, even if they were charged after the account was dosed of suspended. Him do 1 Make Payroll Payments you mail us will be credited to your account a of the business day" receive them, a long a: 1) you sand the bottom portion of this statement and your check in the enclosed remittance envelope, and 2) your payment is received in Capital One's processing centers by Spam local time. Please allow at leaf seven (7) business drys for mail delivery. Mailed Payments received by Capital Om at any other location or in any other form may not be credited as of the day they am received. Do you Process Paper Checks a an Elactronk Funds T Wr7 When you provide a check as payment, you authorize us and our agents either to use infomation from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your died to make an electronic fund transfer, funds my be withdrawn from your deposit account as soon a the same day war receive your payment and you will not receive your check back from your financial institution. Your authorization is not limited by the date on the check We may resubmit and electronically coiled the returned payments. What N I file for Bankris If you am entitled to bankruptcy protection, this communication is for information only, it is not an attempt to correct, assess or recover a debt or claim. Do not send us payments without speaking with your bankruptcy attorney or the Bankruptcy Court it you have questions about your amount or bankruptcy proceeding, please haw your attorney contact us. If you or your attorney would like to contact our bankruptcy claims wrAcer directly, please contact Capital One • PO Box 85162 - Richmond, VA 232x5.5167 BILLING RIGHTS SUMMARY (Does Not Apply W Small Business Accounts) What To Do N You Think You Find A Mistake On Your Statement: H you think there is an mot on your statement, write to us at: Capital One P.0. Box 30285 Salt Lake City, UT 84130-0285 In your letter, give us the following information: Account information: Your name and account number, p9par amount The dollar amount of the suspected error. Wsaiotion of Problem: If you think them is an error on your bill, describe what you believe is wrong and why you behave it is e mistake. You must conned us within W days after the error appeared on your statement. You must notify w of any potential error in wnGno. You may, call us or notify us ebctronicaly, but if you do we am not required to investigate any potential error, and you may have to pay the amount in question. While we investigate whether or not them has been an error, the following are true: We cannot try to collect the amount in question, or report you a delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not hew to pay the amount in question or any intent or other fees related to that amount. While you do not have to pay the amount in question until we and you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. Your Rights N You Am Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you haw purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note.. Neither of the arc necessary if your purchase was based on an advertisement we mailed to you, or it we own the company that sold you the goods or senkes.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have furry paid for the purchase. If all of the crhmis above are met and you am still dissatisfied with the purchase, contact us in writing at: Capital One P.O. Box 30285 Salt lake Ciry, N 84130.0285 While war investigate, the sane ruin apply to the disputed amount as discussed above . Alter we finish our investigation, we will tell you our decision. At that point, it we think you owe an amount and you do not pay Yves may report you as delinquent. Capital One supports information privacy protection: sae our website at www.capitalom.com Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved c 2010 Capital One TC-10 OSA1110 To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions ]nn777 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. CRW Your balance is still due and we'll contact you soon (directly or through a collection agency) to discuss options for resolving your debt. You are responsible for paying the full balance on your account as well as any associated collections expenses, attorney fees and court costs unless the law does not allow us to collect these amounts, as provided in your customer agreement. If we continue to send you statements, you'll now receive them quarterly instead of monthly. We may continue to report the status of your account to the credit bureaus, unless prohibited by law. We may also report when your account is paid off. Help is available. We understand that it can be challenging to manage your finances. Here are three important facts about your account that may help make it easier for you to repay your balance: 1) No more compound interest: This means that future interest charges will never accrue interest- making it easier to pay down your debt faster. 2) Highest interest balances are paid first: Your payments will go toward the balance with the highest interest rate first-automatically saving you money whenever you make a payment. 3) Regular payments will resolve your debt: Since your highest interest balances get paid first and your interest doesn't compound, making regular payments will get your balance paid. Call 1-800-258-9319 to discuss your options. And remember, you can check your balance and make payments online any time at www.capitalone.com/solutions. W Help is available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance, make a payment and answer any questions you may have. ® 2010 Capital One. Capital One is a federally registered service mark. AU rights reserved. 1 CYCLE # 17 CAPITAL ONE CYCLE FACSIMILE REPORT 05/18/2010 - 06/17/2010 PAGE 3883 ACCT-ID: 10009778013 CARD# 5178057295437631 STMT-TYPE: ENGLISH REWARDS: N TPC: MP HOLD: 000 SAC-PGM: PREV-BALANCE: $1,835.89 PYMTS&CREDITS $0.00 INTR CHRGS $75.54 TRANSACTIONS: $0.00 NEW-BALANCE $1 911 43 MI NIMUM PYMT $683.00 LATE FEE $39.00 DUE-DATE 07/14/2010 CREDIT-LIMIT: 1000 CREDIT-AVAIL 0.00 CASH-LIMIT 500 CASH-AVAIL 0.00 RPAY-TOTMTHS: 138 RPAY-TOTCOST $2,537.50 $3,336.69 36MA-MTHPAY: $70.49 36MA-TOTCOST: INTEREST-CTD: $36.54 INTEREST-YTD $192.64 FEE-AMT-CTD: $39.00 FEE-AMT-YTD $312.00 HIGH-LATEFEE: $39.00 HIGH-PNLTY-APR: 23.15% OVERALL-APR: 0.000 CLOSE-DATE OOB: N MISS-ADDR: N BK-HOLD: N BANKRUPTCY: N LEGAL: N CTC-CHG-IND: NEW: N EBPP: N ARCH: N REASON: 00 HARDCOPY: 04 ACTIVE WATCH: WO CRED-RVK: PD CUR-PD: 07 CTC IND: INS: RETURN-MAIL: CLOSE: CHARGED-OFF: XFER: FRAUD: OL: 10 MULTI-IND: S PROV-ID: 000001 US PROF-CNTR: 0000000001 COB SERVICE-OWNER: 000022 Prime OL-OPTIN-IND: TBAL C/I BALANCE AMOUNT RATE CORR APR INTEREST CHRGS CHRISTOPHER E DOMINOSKI Purchases 0001 02 1,858.50 00.0634200 0023.150000000 36.54 402 E MAIN ST Cash 0002 02 0.00 00.0634200 0023.150000000 0.00 CAMP HILL PA 17011632202 US TRANSACTION DATA SUMMARY NAME: CHRISTOPHER E DOMINOSKI CUST TYPE: 0 PRINT AREA: 001 NUM OF CREDITS: 00000 AMT OF CREDITS: $0.00 NUM OF PYMTS 00000 AMT OF PYMTS $0.00 NO CREDIT TRANSACTIONS FOR THIS CYCLE NAME: CHRISTOPHER E DOMINOSKI CUST TYPE: 0 PRINT AREA: 020 NUM OF DEBITS 00000 AMT OF DEBITS $0.00 NO DEBIT TRANSACTIONS FOR THIS CYCLE NAME: CHRISTOPHER E DOMINOSKI CUST TYPE: 0 PRINT AREA: 070 NUM OF DEBITS 00001 AMT OF DEBITS $39.00 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER 06142010 PAST DUE FEE 39.00 06142010 D N 5178057295437631 NAME: CHRISTOPHER E DOMINOSKI CUST TYPE: 0 PRINT AREA: 090 NUM OF DEBITS : 00001 AMT OF DEBITS : $36.54 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER 06172010 - - - - - - - INTEREST - - - - - CHARGE:PURCHASES - - - - - - - - - - - - - - - - - - - 36.54 06172010 - - - - - - - - - - - D ? 5178057295437631 - - - - - - - - - - - - - - 01 ') Take control of your finances today! I 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. CqW Page 1 of 1 1-800258.9319 www.capitalone.com/solutions I Jun. 18 - Sep. 16,1010 MASTERCARD PLATINUM 5178-0572.9543-7631 IMPORTANT ACCOUNT UPDATES NEW BALANCE PAYMENT DUE DUE DATE Your full balance is due. Any payment you molar w 11 reduce your balance and help pay off your debt faster. The amount you owe may $2,005.20 $2,005.20 Past Due differ If you've entered into a separate payment agreement. i I I Available Credit: $0.00 i j Previous Balance Payments and Credits Fees Interest Charged New Balance $1,911.43 - 50.00 ?? + 50.00 593.77 j = 2,005.2- ?ITRANSACTIONS J PAYMENTS, CREDITS & ADJUSTMENTS FOR CHRISTOPHER E DOMINOSKI #7631 FEES Total Fees This Period $0.00 Total Fees This Year $312.00 INTERESTCHARGED 1 21 JUN INTEREST CHARGE $3,12 2 21JUL INTEREST CHARGE $31.26 3 21 AUG INTEREST CHARGE $32.30 4 16SEP INTEREST CHARGE i $27.09 Total Interest This Period $93.77 I Total Interest This Year $286,41 Help is Available. Just pick up the phone. Call 1-800-258.9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) to Interest Rate Interest Bearing 19.900% $1,911.00 $93.77 -- nr_ i- ran I1UN tstLVVtr Vw I t1 PAYMtNT OR LOG ON TO WWW.CAPITALONE.CO"OLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 5178057295437631 16 0200520000000200520 R C _;x Account Number: 5178-0572-9543-7631 Due Date New Balance Amount Enclosed Past Due $2,005.20 CHRISTOPHER E DOMINOSKI 402 E MAIN ST CAMP HILL, PA 37031-6322 Manage your account online. AR Visit www.capitalone,com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. Capital One Bank (USA), N.A. P.O. BOX 71063 CHARLOTTE, NC 26272-1083 ,lllll,lrrrllllr0nllllllllrlrlrlrllglrrrlllrly,,Itrnrurnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Now is the Interest Charge applied? Interest charges accrue from the 1) date of the transaction, 2) date the transaction is processed or 3) first calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in full. However, we reserve the right to not assess interest charges at any time. How did you Calculate the Interest Charge? There are several calculations that are used to determine your total interest charge. 1. To get your Daily Balance: 1) take the current balance from when your account charged-off. 2) For each day after, subtract the payments, credits, and adjustments as of that day. The result is the daily interest bearing balance. 2. To find your Average Daily Interest Bearing Balance: 1) add the daily interest bearing balances together and 2) divide the sum by the number of days the interest rate was in effect. 3. Estimate your Total Interest Charge: 1) multiply your average daily balance by the daily periodic rate and 2) multiply the result by the number of days the interest rate was in effect. NOTE: Due to rounding, balance adjustments, or returned payments, this calculation may vary from the interest charge actually assessed. Is the -Payment Due- a Payoff Amount? No. All stated amounts are owed on the date of the statement. However, because interest, late charges and other charges might charge from day to day as provided in you customer agreement, the amount due on the day you pay may be larger. For example, if you pay the amount stated in this statement, your account might still have a balance after your payment is received. Also rote that the amour you owe may differ if you've entered into a separate payment arrangement. Please call the number on the front of the statement for an exact payoff amount. Are there Additional Fees associated with my account? Yes, under certain circumstan- ces, you may be assessed a Returned Payment Fee. You will also be required to pay us all of our actual collection expenses, attorneys' fees and court costs unless the law does not allow us to tolled these amounts. We reserve the right to not assess fees without prior notice and without waiving our right to assess a similar fee later. How do I Make Payments? Payments you mail to Capital one will be credited to your account as of the business day they are received, as long as: 1) you send the bottom portion of this statement and your check in the enclosed remittance envelope, and 2) your payment is received in Capital One's processing centers by 5 pm local time. Please allow at least seven (7) business days for mail delivery. Mailed Payments received by Capital One at any other location or in any other form may not be credited as of the day they are received. Do you Process Paper Checks as an Electronic Funds Transfer? When you provide a check as payment, you authorize us and out agents either to use information from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, fads may be withdrawn from your deposit account as soon as the same day we receive you payment and you will rat receive your check back from your financial instltution. Your authorization is not limited by the date on the check. We may resubmit and electronically collect the returned payments. What if I file for Bankruptcy 1 B you are entitled to bankruptcy protection, this communic- ation is for information only, it is not an attempt to collect, assess or recover a deb or claim. Do not send us payments without speaking with your bankruptcy attorney or the Bankruptcy Court. If you have questions about your account or bankruptcy proceeding, please have your attorney comas us. If you or your attorney would like to contact our bankruptcy claims servicer directly, please contact: Capital One - PO Box 85167 Richmond, VA 23285-5167 BILLING RIGHTS SUMMARY (Does Not Apply to Small Business Accounts) What To Do R You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130.0285 In you letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: H you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • You do not need to pay any disputed amounts and related interest charges or fees until we send you a notice about the outcome of our investigation. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. Your Rights If You Are Dissatisfied With You Credit Card Purchases: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quality. 3. Yoe must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One P.O. Box 30285 Salt Lake City, UT 84130.0285 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Capital One supports information privacy protection: see our website at www.ca0talone.com Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved © 2010 Captal One To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions 01 Take control of your finances today! (1 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. "Wne -- .. __ ... .......... . .. .....__---11 Page 1 of 1 1-800.258-9319 / www.capitalone.com/solutions Sep. 17 - Dec. 16, z01a MASTERCARD PLATINUM 5178-0572-9543-7631 IMPOIITANT ACCOUNT UPDATES NEW BALANCE PAYMENT DUE DUE DATE Your full balance is due. Any payment you make vAll reduce your balance and help pay off your debt faster. The amount you owe may $2,100.02 $2,100.02 Past Due differ 'd you've entered into a separate payment agreement. Available Credit: $0.00 1 Previous Balance Payments and Credits Fees Interest Charged New Balance $2 - $0.00 + $0.00 Jj + $94.82 J = $2,100.01 (TRANSACTIONS ) PAYMENTS, CREDITS a ADJUSTMENTS FOR CHRISTOPHER E DOMINOSM #s7631 FEES Total Fees This Period $0.00 j i Total Fees This Year $311.00 INTEREST CHARGED 1 16 OCT INTEREST CHARGE $31.26 2 16 NOV INTEREST CHARGE $32.30 3 16 DEC INTEREST CHARGE $31.26 Total Interest This Period $94.82 Total Interest This Year $381.23 i I i Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Rate (APR) to Interest Rate Interest Charge Interest Bearing 19.900% ? $1,911.17 594.82 1«-111, vnrv -r- ots.wv tNi 11`1 rHTMtNI OH LOG ON TO WWW.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 5178057295437631 16 2100020000002100026 Ci_ Account Number: 5178-0572-9543-7631 Due Date New Balance Amount Enclosed Past Due $2,100.02 j CHRISTOPHER E DOHINOSKI 402 E MAIN ST CAMP HILL, PA 17011-6322 Manage your account online. AR Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. Capital One Bank (USA), N.A. P.O. BOX 71083 CHARLOTTE, NC 28272-1083 JIIII,I„I'IIILIIIIIIIIIIII'I,I'I'IIIII,r,III,I,IryIJLll,lll Please make checks payable to Capftal One Bank (USA), N.A. and mail wRh this coupon in the enclosed envelope. Now is the Interest Charge applied? Interest charges accrue from the 1) date of the transaction, l) date the transaction is processed or 3) first calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in full. However, we reserve the right to not assess interest charges at any time. How did you Calculate the Interest C harae? There are several calculations that are used to determine your total interest charge. 1. To get your Daily Balance: 1) take the current balance from when your account charged-off. 2) For each day after, subtract the payments, credits, and adjustments as of that day. The result is the daily interest bearing balance. 2. To find your Average Daily Interest Bearing Balance: 1) add the daily interest bearing balances together and 2) divide the sum by the number of days the interest rate was in effect. 3. Estimate your Total Interest Charge: 1) multiply your average daily balance by the daily periodic rate and 2) multiply the result by the number of days the interest rate was in effect. NOTE: Due to rounding, balance adjustments, of returned payments, this calculation may vary from the interest charge actually assessed. is the *Payment Due' a Payoff Amount? No. All stated amounts are owed on the date of the statement. However, because interest, late charges and other charges might change from day to day as provided in your customer agreement, the amount due on the day you pay may be larger. For example, if you pay the amount stated in this statement, your account might still have a balance after your payment is received. Also note that the amount you owe may differ if you've entered into a separate payment arrangement. Please call the number on the front of the statement for an exact payoff amount. Are there Additional Fees associated with my account? Yes, under certain circumstan- ces, you may be assessed a Returned Payment Fee. You will also be required to pay us all of our actual collection expenses, attorneys' fees and court costs unless the law does not allow us to collect these amounts. We reserve the right to not assess fees without prior notice and without waiving our right to assess a similar fee later. How do I Make Paymentst Payments you mail to Capital One will be credited to your account as of the business day they are received, as long as: 1) you send the bottom portion of this statement and your check in the enclosed remittance envelope, and 2) your payment is received in Capital One's processing centers by 5 pm local time. Please allow at least seven (7) business days for mail delivery. Mailed Payments received by Capital One at any other location or in any other form may not be credited as of the day they are received. Do you Process Paper Checks as an Electronic Funds Transfer? When you provide a check as payment, you authorize us and our agents either to use information from your check to mate a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from you deposit account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. Your authorization is not limited by the date on the check. We may resubmit and electronically collect the returned payments. What if I file for Banlouotcr? If you are entitled to bankruptcy protection, this communic- ation is for information only, it is not an attempt to collect, assess or recover a debt or claim. Do not send us payments without speaking with your bankruptcy attorney or the Bankruptcy Court. If you have questions about your account or bankruptcy proceeding, please have your attorney contact us. it you or your attorney would like to contact our bankruptcy claims servicer directly, please contact: Capital One - PO Box 85167 Richmond, VA 23285-5167 BIWNG RIGHTS SUMMARY (Does Not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: 0 you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and wiry you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must ratify, us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • You do rat need to pay any disputed amounts and related interest charges or fees until we send you a notice about the outcome of our investigation. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, 4 we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do rat have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. Your Rights H You Are Dissatisfied With Your Credit Card Purchases: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quality. 3. You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One P.O. Box 30285 Salt Lake City, UT 84130.0285 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do rat pay we may report you as delinquent. Capital One supports information privacy protection: see our website at www.capitalorie.com Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved C 2010 Capital One To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions •' . Welcomer to Capitai•One N..»»»,:........_..........».........,...........i . Some Definitidns .....»»....M».,........,...........» ......?.r.r?1 • . 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COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ; ss AFFIDAVIT: I hereby (swear) (affirm) that I served ® a copy of the Notice of Appeal, Common Pleas No.11-4332 CIVIL, upon the Magisterial District Judge designated therein on (date of service) 618, 2011, ? by personal service ® by (certified) (registered) mail, sender's receipt attached hereto, and upon the appellee, (name) CHRISTOPHER DOMINOSKI, on 6/8,2011 ?by personal service by (certified) (registered) mail, sender's receipt attached hereto. (SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS 6TH DAY O E, 2011 ature of official before whom affidavit was made o? - S `"S;"eidTf;N' l.r;+. CMNITY f,'IV t7l-? i;-,-, Apr 2, 2014 Title of official My commission expires on APRIL 2, 2014 AOPC 312A - 05 Postal CO CERTIFIED MAIL, RECEIPT (Domestic Only; No Insurance Coverage Provided) s N ru _p Postage $ 17? Certified Fee ru Postmark O Return Receipt Fee Here O (Endorsement Required) E3 Restricted Delivery Fee C3 (Endorsement Required) Al = Total Postage & Fees O r-q en?Tol ----------------- - stre%.; O or PO Box No. City Stete?ZIP+4 /'? .. l o??l (Domestic Mail C For delivery inform; r- ru .-11 Postage $ r- Certified Fee ru O Return Receipt Fee p (Endorsement Required) O Restricted Delivery Fee (Endorsement Required) 0 r- = Total Postage & Fees O r-q r1 0 r Postmark Here IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff VS. CHRISTOPHER E DOMINOSKI Defendant : CIVIL ACTION : NO: 11-4332 CIVIL n P. c -d3 m zrrI -D a c:z ?o ? --t w -< co CERTIFICATE OF SERVICE 1, Michael F. Ratchford, Esquire, hereby certify that on June 17, 2011 the below named Defendant received and signed for the certified mail containing the Plaintiff s Notice of Appeal of the District Justice Judgment and Complaint. CHRISTOPHER E DOMINOSKI 402 E MAIN ST CAMP HILL PA 17011-6322 Edwin A. Abrahamsen & Associates, P.C. BY: Attorney I.D. No.: 86285 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 ¦ Complete items 1, 2, and 3. Also complete item 4 If Restricted Delivery Is desired. ¦ Print your name and address on the reverse so that we can return the card to you. ¦ Attach this card to the back of the maiipie or on the front If space permits. P p A 1. Article Addressed to: / Gyp I LU i? CHRISTOPHER E. DOM 1 402 E. MAIN ST U CAMP HILL, PA 17011 A. Si9rytlu X O Agent ? Addressee B. Received by( ted nName) C. Date of Delivery k,Je',O slivery address different from Item 11 enter delivery address below; No 3. Service Type WCertitled mail ? Express Mail 13 Registered ? Return Receipt for Merchandise ? Insured mail ? C.O.D. 4. Restricted Delivery4 (Extra Fee) ? Yes 2. Adds Number 7011 0470 0002 7627 8240 (Trarrsfer from service !abet) PS Form 3811, February 2004 Domestic Retum Receipt 102895.024A-1540