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11-4547
P, . PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID # 92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK (USA), N.A. JOSEPH P RUANE Plaintiff(s) Defendant(s) CUMBERLAND COUNTY ' 11- usu7 COMPLAINT IN CIVIL ACTION NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford St Carlisle, PA 17013 (800) 990-9108 AVISO c c-? C Z "a rrn r' N xN?"z w -4O .cam -o ca-n f© w ?rn -r: USTED HA SIDO DEMANDADO/A EN CORTE Si usted desea defenderse de las demandas que se presentan mAs adelente en las siguientes pAginas, debe tomar acci6n dento de los pr6ximos veinte (20) dias depuds de la notificaci6n de esta Demanda y Avios radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aquf en contra suya. Se le advierte de que si usted falla de tomar acci6n como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demands o cualquier otra reclamaci6n o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mAs aviso adicional. Usted puede perder dinero o propiedad u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUIENTE OFICINA ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. St USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSTO A PERSONAD QUE CUALIFICAN. / - //?? Cumberland County Bar Association 32 South Bedford St Carlisle, PA 17013 3037 (800) 990-9108 (i PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK (USA), N.A., Plaintiff(s) V. JOSEPH P RUANE Defendant(s) CUMBERLAND COUNTY COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK (USA), N.A., by and through its attorney, Paul J. Klemm and the law offices of Nudelman, Klemm & Golub, P.C., and files the following Complaint in Civil Action and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A., is a foreign business corporation located at 4851 Cox Road, Glen Allen, VA 23060. Pursuant to 15 Pa. C.S.A. § 4122, "a foreign business corporation shall not be considered to be doing business in this Commonwealth for the purposes of this subchapter by reason of carrying on in this Commonwealth any one or more of the following acts ... (8) [s]ecuring or collecting debts or enforcing any rights in property securing them [or] (9) [t]ransacting any business in interstate or foreign commerce." NN92146 2. Defendant, JOSEPH P RUANE, is an individual and citizen of the Commonwealth of Pennsylvania, who is believed to currently reside at, 133 WESTGATE DR, MOUNT HOLLY SPRINGS PA 17065-2010. 3. At the special insistence and request of the Defendant, Defendant was issued a credit card by CAPITAL ONE BANK (USA), N.A., account number * * * * * * * * * * * * 8881. 4. The Defendant is responsible for an unpaid balance in the amount of $20,272.67 and interest in the amount of $891.96. 5. Plaintiff has made demand to Defendant for $21,164.63, but Defendant has willfully failed and/or refused to reimburse Plaintiff for the aforesaid sum due. Wherefore, Plaintiff demands Judgment in its favor and against the Defendant in the amount of $21,164.63 and interest from the date of breach, with continuing interest thereon at the legal rate from the date of Judgment plus anticipated court costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Respectfully Submitted: NUDELMAN, KLEMM & GOLUB, P.C. Paul J. Klemm, Esquire 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 NN92146 CAPITAL ONE BANK (USA), N.A., Plaintiff, v. JOSEPH P RUANE Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his/her knowledge, information and belief. _ Dated: 'q (Q 60k?? Lara Letellier N00000037609038 040456204 A070 NUDELMAN, KLEMM & GOLUB, P.C. NN?2I?6 IN THE COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff CIVIL TERM NO. 11-4547 V. . n N C) JOSEPH P. RUANE rrga) c, =-n ;0 r rn -T " _ 6v Defendant Q ? xr, z =C: ` NOTICE TO PLEAD TO: CAPITAL ONE BANK (USA), N.A. c/o PAUL J. KLEMM Esquire You are hereby notified to file a written response to the enclosed Preliminary Objections within twenty (20) days from service hereof or a judgement may be entered against you. r Jose h P. Ruane, Defendant IN THE COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff CIVIL TERM NO. 11-4547 V. JOSEPH P. RUANE Defendant PRELIMINARY OBJECTIONS TO COMPLAINT AND NOW COMES the Defendant, Joseph P. Ruane, who files his Preliminary Objections to the Plaintiff's Complaint, as follows: 1. Plaintiff filed suit against Defendant alleging that Defendant owes money to Plaintiff arising out of an account issued by Plaintiff. 2. The Defendant was served with the Complaint on or about June 6, 2011. First Preliminary Objection - Pa. R.C.P. 1028(a)(2),(3) - Failure to conform to rule of court, and insufficient specificity. 3. The Complaint contains only a bald assertion of the amount the Plaintiff claims is owed by the Defendant. It provides no detail as to the date(s) on which the debts were incurred, the amounts incurred on each date, the dates or amounts of payments, nor dates of accrual and amounts of interest charges and other fees. 4. Pa. R.C.P. No. 1019 and Pa. R.C.P.(a)(3) require that the above detail be included in a complaint of this type. 5. By not including the requisite detail of the account, the Complaint fails to conform to an express rule of Court. WHEREFORE, the Defendant demands that his Preliminary Objections be sustained, and the Plaintiff's Complaint be dismissed. Second Preliminary Objection - Pa. R.C.P. No. 1028(a)(2) - Failure to conform to rule of court (failure to state whether agreement is oral or written, state its terms, and/or attach written contract upon which the claim is based) 6. The Complaint alleges the existence of some type of agreement between the parties, referred to as the "account." 7. Pursuant to Pa. R.C.P. No. 1019(h), where a claim asserted is based upon an agreement, the pleading must state whether the agreement is oral or written. 8. The complaint does not state whether the agreement is oral or written. 9. Pursuant to Pa. R.C.P. No. 1019(1), if the agreement is written it must be attached to the pleading or, if not, the pleader must explain its absence and set forth the substance of the agreement. 10. The Plaintiff has failed to describe the terms of the agreement, nor has it attached a copy of a written agreement or explained its absence. WHEREFORE, the Defendant requests that his Preliminary Objections be sustained and the Plaintiffs Complaint be dismissed. Respectfully Submitted, DATED: ) Jose P. Ruane, Defendant VERIFICATION The statements made in the foregoing Preliminary Objections to Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unsworn falsification to authorities. L;Seph P. Ruane, Defendant DATE: ?//t // 4 CERTIFICATE OF SERVICE I, the undersigned, hereby certify that on the 11th day of July, 2011, 1 served a copy of the foregoing Preliminary Objections to Complaint, by first-class mail, postage prepaid, upon the following: Paul J. Klemm, Esquire Nudelman, Klemm & Golub, P.C. 425 Eagle Rock Avenue Roseland, NJ 07068 Plaintiffs Attorney 4os h P. Ruane, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff NO. 11-4547 C -- r 'a s -0 CIA ?r C =CJ G ?-:.. V. JOSEPH P. RUANE Defendant(s) AMENDED COMPLAINT IN CIVIL ACTION Filed on behalf of: Capital One Bank (USA), N.A. Counsel of Record for This Party: Robert L. Baroska, III, Esq. Pa I.D. #306728 Nudelman, Klemm & Golub, P.C. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff NO. 11-4547 V. JOSEPH P. RUANE Defendant(s) AMENDED COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK (USA) N.A., above named, by and through its attorney, ROBERT L. BAROSKA and the law offices of Nudelman, Klemm & Golub, P.C., and files the following Amended Complaint in Civil Action, and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A., is a foreign business corporation located at 4851 Cox Road, Glen Allen, VA 23060. Pursuant to 15 Pa. C.S.A. § 4122, "a foreign business corporation shall not be considered to be doing business in this Commonwealth for the purposes of this subchapter by reason of carrying on in this Commonwealth any one or more of the following acts ... (8) [s]ecuring or collecting debts or enforcing any rights in property securing them [or] (9) [t]ransacting any business in interstate or foreign commerce." 2. Plaintiff is informed and believes that Defendant resides at 133 WESTGATE DR, MOUNT HOLLY SPRINGS, PA 17065-2010. COUNT I - BREACH OF CONTRACT 3. Paragraphs 1 through 2 are incorporated by reference as if set forth at length herein. 4. On or about July 30, 2008 Defendant entered into a written agreement with Plaintiff. The signed application and the Customer Agreement are attached hereto as Exhibit "A" and incorporated into evidence. 5. Defendant owes the principal sum of $20,272.67 for credit extended by Plaintiff on account number 5178057279228881, and the reasonable value of goods sold and delivered and/or services rendered. The credit card statements with adjustments for debits, credits, interest and/or fee, and the time and place of said transactions are attached hereto as Exhibit "B" and incorporated into evidence. 6. Plaintiff may have other documentation pertaining to this account in its possession, but said documentation is stored and was not readily accessible at the time of filing. 7. Pursuant to the terms of the credit card agreement, Defendant also owes interest and reasonable attorney's fees. 8. Plaintiff avers that Defendant breached the agreement and is in default for failing to make payments on or about April 8, 2010. 9. Plaintiff has demanded payment but Defendant has failed or otherwise refused to pay the aforesaid sum due. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the principal amount of $20,272.67, interest, reasonable attorney's fees and costs with continuing interest thereon at the legal rate from the date of Judgment. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. COUNT II - ACCOUNT STATED/OPEN BOOK ACCOUNT 10. Paragraphs 1 through 9 are incorporated by reference as if set forth at length herein. 11. There was due from Defendant the principal sum of $20,272.67 on a certain book account, account number 5178057279228881. The credit card statements with adjustments for debits, credits, interest and/or fee, and the time and place of said transactions are attached hereto as Exhibit "B" and incorporated into evidence. 12. Plaintiff sues Defendant for goods sold and delivered and/or services rendered by the Plaintiff to Defendant, upon the promise of Defendant to pay the agreed amount as set forth in Exhibit "B" and incorporated into evidence. 13. The Plaintiff sues Defendant for the reasonable value of goods sold and delivered, and/or services rendered by Plaintiff to Defendant upon the promise of the Defendant to pay a reasonable price for the same amount as set forth in Exhibit "B" and incorporated into evidence. 14. The Defendant, being indebted to Plaintiff in the principal sum of $20,272.67 on an account stated between them as set forth in Exhibit "B" and incorporated into evidence. 15. Pursuant to the terms of the agreement, Defendant also owes interest and reasonable attorney's fees. 16. Plaintiff avers that Defendant breached the Agreement and is in default for failing to make payment on or about April 8, 2010. 17. Plaintiff has demanded payment but Defendant has failed or otherwise refused to pay the aforesaid sum due. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the principal amount of $20,272.67, interest, reasonable attorney's fees and costs with continuing interest thereon at the legal rate from the date of Judgment. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Respectfully Submitted: Nudelman, Klemm & Golub, P.C. Robert L. Baroska, III, Esquire 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A Plaintiff V. JOSEPH P. RUANE Defendant(s) NO. 11-4547 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he is an authorized agent of Capital One Services, LLC., an affiliate of and service provider to Plaintiff herein, and that he is duly authorized to make this Verification, and that the facts set forth in the Amended Complaint in Civil Action are true and correct to the best of his knowledge, information and. belief. Dated: January 18, 2012 - 4- //:? C Richard A Napolitan //q// EXHIBIT A Capital One® Customer Agreement Welcome to Capital One Thank you for opening a credit Card Account with us. This Customer Agreement ("Agreement") contains the terms for your Capital One credit Card. Some Definitions. The meanings of the terms you see in italics appear in the Glossary Section. To make the Agreement easy to understand, we will also use the following personal pronouns: "You," "your" and "yourself" mean each applicant and co- applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. It also includes an Authorized User as defined in the Glossary Section. "We," "us," "our" and "Capital One" mean Capital One Bank (USA), National Association; and its agents, authorized representatives, successors, and assignees. Account Documents. Your Account with us is governed by the following documents: (1) this document; (2) all Statements; (3) all rewards information and documentation if your Account has rewards; (4) any Privacy Notices describing our limitations on sharing information about you with others; (5) your Card benefits brochure which describes benefits provided by the Payment Card Network for your Card and Account. The most current version of your Card benefits brochure will replace all prior versions; (6) the "Security" Agreement if you have a secured Card; (7) all disclosures and materials provided to you before or when you opened your Account, including Truth in Lending Disclosures; (8) all other documents and disclosures relating to your Account including those provided online; and (9) any future changes we make to any of the above things. Please read these carefully and keep them for future reference. An image of any of these can be used instead of the original. New Offers. In the future, we might make new offers to you or forward offers from others that we think you might be interested in. These offers may have new or different terms and documentation for these offers will be provided when we make you the offer. If you accept the offer, your previously disclosed terms will still apply except as modified by the offer. Account Information. We need information about you to manage your Account. The information we need includes: (1) your legal name; (2) a valid U.S. mailing address and residential address (if different); (3) your date of birth; (4) your social security number or other government identification number; (5) your telephone number(s); and (6) your employment and income information. You must tell us when this information changes. Please update your address in the manner provided on your Statement. You may also update some of this information by logging onto yourAccount on our website or by calling one of our representatives at the telephone number provided on your Statement or on the back of your Card. We may require you to provide additional documents that are acceptable to us to verify this information or any changes. We maintain the right to restrict or close your Account if your information cannot be verified or if you do not provide additional information as requested. Credit Limits. When you open your Account, you will receive your credit limits. These will also appear on your Statements. We might also refer to your credit limits as your credit lines. We may give you different credit limits for the different Segments of your Account. For example, you might have a different credit limit for purchases than for Cash Advances. You are responsible for keeping track of your Account balances and your available credit limits. Do not allow your Account to go over any credit limit even if you have authorized us to charge you an overlimit Fee for doing so, as described in the Interest Charges and Fees section. We may still honor transactions above your credit limits, but our honoring of these transactions will not increase your credit limit. We may also increase, decrease, restrict or cancel your credit limit on any Segment at any time. This will not affect your obligation to pay us. Using Your Account. You promise to follow the terms of this Agreement as long as your Account remains open or has a balance. Please sign the Card immediately when you receive it. The Card is valid during the dates provided on the front. The Card is our property, and you will return it to us or destroy it if we ask. You will take reasonable steps to prevent the unauthorized use of your Card and Account. We are not responsible if anyone refuses to accept your Card for any reason. Also, we may reject any transaction for any reason, Unless we tell you otherwise, we will bill each transaction to the applicable Segment of your Account and apply it against your available credit limit for the Account and Card for that Segment in each Billing Cycle. You may also obtain Cash Advances and Transfers if they are permitted for your Account. Unless we agree, you may not use a Transfer to transfer amounts from other Accounts with us or any other company within the Capital One organization. You must not use, or try to use, the Card for any Internet gambling transactions or transactions that are illegal or not permitted by us. You will still be responsible if you do. In addition, these transactions will be subject to this Agreement, and you might have to reimburse the Payment Card Network and us for all damages and expenses, From time to time, due to circumstances beyond our control (such as system failures, fires, floods, natural disasters or other unpredictable events) our services might be unavailable. When this happens, you might be unable to use your Card or obtain information about your Account. We will not be responsible or liable if this happens. Rewards. Your Account might provide you with the opportunity to earn rewards. If it does, we will separately provide you with all information and terms about our rewards. We will include on your Statements all rewards you have earned. It might take up to two Billing Cycles for your earned rewards to appear on your Statement. Using Your Access Checks. When we provide you with Access Checks, we will tell you whether we will treat them as purchases, Balance Transfers, Cash Advances or Special Transfers. Only the person we designate may use Access Checks. Access Checks may not be used to pay any amount you owe us or any other company within the Capital One organization. We may reject and not pay any Access Check for any reason. Some examples of reasons why we may reject and not pay include: your Account is delinquent, charged-off, bankrupt, lost/stolen or closed; our fraud system prevents the offer fulfillment; yourAccount is overlimit; or the checks have expired. Any liability for our wrongful dishonor of an Access Check will be limited to your actual damages and will not exceed the amount of the Access Check. When you use an Access Check, you will have fewer rights to dispute merchant transactions than with other uses of your Card. Please see the "Billing Rights Summary" part of your Statement and your other Truth in Lending Disclosures for more information. Stopping Payment of Access Checks. You may request a stop payment on any Access Check by contacting us as provided on your Statement. We may charge you a Fee to stop payment as described in the Interest Charges and Fees section. If you call us to stop payment, you must also send to us a written request within 14 calendar days. We will have a reasonable amount of time after your stop payment request to research the situation and complete it. We will not be responsible if we cannot complete the stop payment because the Access Check was already paid, you do not give us the information we asked for or the information you gave us was incorrect. If we cannot stop payment for these reasons, we may still keep the stop payment Fee. Once we complete a stop payment, we do not have to release the stop payment order unless the same person asks us to, If we re-credit your Account after paying an Access Check following a valid stop payment order, you give us all of your rights against the payee or other holder of the paid Access Check, You also agree to help us in any actions we might later take against that person. Using a PIN. We may give you a personal identification number (PIN). For security reasons, you might have to provide the PIN before you are able to complete some transactions using the Card. With a PIN, you may use your Card to: (1) obtain cash from certain automated teller machines (ATM) or (2) make purchases at certain merchant or retailer point-of-sale devices (POS). You may do these things if the ATM or POS requires entry of a PIN and displays the logo of the Payment Card Network on your Card. We will treat all ATM transactions as Cash Advances and all POS transactions as purchases. You should keep your PIN secure and not write it down, give it to anyone, or keep it with your Card. If you lose your Card or believe that someone has gained unauthorized access to your PIN, you must contact us immediately. Authorized Users. You may ask us to add one or more Authorized Users with additional Cards on your Account. If we agree to your request, we will need certain information about the Authorized User to manage your Account. This will be the same information you provided about yourself as described in the Account Information Section. We may limit an Authorized User's ability to initiate certain transactions. If we do, we will tell you about these limitations before adding any new Authorized User on your Account. Once we add an Authorized User to your Account, we may discuss your Account with them and provide them with Account information. You will be responsible for the Authorized User's use of the Card and your Account as well as anyone else they allow to use your Card or Account. This will be true even if ou did not want, or agree to, the use. Removing an Authorized User. If you want to remove an Authorized User from the Account, you must contact us as provided on your Statement and request their removal. We will have a reasonable amount of time after your request to research the situation and remove them. You also must immediately destroy all Cards in their possession and cancel all of their billing arrangements to the Account. We will not do this for you. During this time, you still will be responsible for all amounts they charge to the Account. You will be responsible even if these amounts do not appear on the Account until later. An Authorized User may remove themselves from the Account upon request. We may close your existing Account and/or issue a new Card with a new Account number. Your Promise to Pay. You promise individually and jointly to pay us all amounts due on your Account. This includes amounts where you did not sign a purchase slip or other documents for the transaction. If you use your Card number without presenting your actual Card (such as for mail, telephone or Internet purchases), this will be treated the same way as if you used the Card in person. If you let someone else use your Card, you are responsible for all transactions that person makes. Your promise to pay us will apply to your estate if you die. Statements. We will send you one Statement for all Cards on your Account unless the law does not require or permit us to send a Statement. Statements will be sent at the end of each Billing Cycle when your Account has a debit or credit balance of more than $ 1.00, or if we have charged any Interest Charges to your Account. Your Statement will show all transactions billed to your Account during the Billing Cycle along with other important Account information. Disputed Transactions. You must inspect each Statement you receive and tell us about any errors or questions you have as described in the "Billing Rights Summary" part of your Statement and other Truth in Lending Disclosures. If you do not notify us as provided in those disclosures, we may assume that all information in the Statement is correct. If you dispute a transaction made by you or someone else on your Account, and we later credit your Account for all or part of the disputed amount, you give us all of your rights against that other person. You also will: (1) give us any merchandise or other purchases you received in connection with the disputed amount if we ask; (2) not pursue any claim or reimbursement from the merchant and that other person; and (3) help us pursue and get reimbursement from the merchant and that other person; your help includes giving us documents that we ask for and that are acceptable to us. Interest Charges and Fees. We will charge Interest Charges and Fees to your Account as disclosed to you in your Statements and other Truth in Lending Disclosures. In general, interest Charges begin to accrue from the day a transaction occurs. However, we will not charge you interest on any new balances posted to the purchase Segment of your Account provided you have paid your previous balance in full by the due date. We will treat the following Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if they are provided in your Truth in Lending Disclosures. We may increase your Interest Charges and Fees as described in the Changes to Your Agreement section or in your Truth in Lending Disclosures. • Membership Fee. We may charge you this Fee as early as your first Billing Cycle or the first Billing Cycle after this Fee becomes effective. If it is an annual Fee, we may then charge it approximately once per year. If it is a monthly Fee, we may charge it once in each Billing Cycle. This Fee is payable in advance even if you do not use your Account. • Late Payment Fee. We may charge you this Fee if we do not receive your payment in time for us to credit it by the due date shown on your Statement. • Overlimit Fee. If you agree, we may charge you this Fee when a transaction causes you to go over or remain over any of your credit limits during any Billing Cycle. We may also charge you two additional Fees if your balance remains over your credit limits as of the payment due date in future Billing Cycles. You will only pay one Fee per Billing Cycle, even if you go over your limit multiple times in the same cycle, • Returned Payment Fee. We may charge you this Fee each time any payment you make to us is not paid by your financial institution for any reason, even if that institution later pays it. • Returned Access Check Fee. We may charge you this Fee if we do not pay an Access Check for any reason, including when your Account is in default, overlimit, suspended or closed. • Stop Payment Fee. We may charge you this Fee each time you request us to stop payment on an Access Check or you renew an existing stop payment order as provided in the Stopping Payment of Access Checks section. • Copying Fee. We may charge you a per-page Fee for copies of transaction documents or Statements unless they are required in resolving a billing dispute. • Cash Advance Fee. We may charge you this Fee each time you obtain a Cash Advance. This Fee will be treated as a Cash Advance transaction. • Transfer Fee. We may charge you this Fee each time you obtain a Transfer. This Fee will be treated either as a Special Transfer or purchase transaction depending on the Segment in which the Transfer posts. Transactions Made in Foreign Currencies. If you make a transaction in a foreign currency, the Payment Card Network will convert it into a U.S. dollar amount. The Payment Card Network will use its currency conversion procedures in effect when it processes the transaction. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. We do not currently adjust the currency exchange rate or charge any additional currency conversion Fees. No Warranties. Except as otherwise provided in the "Billing Rights Summary" part of your Statements, we are not responsible for any claim you might have regarding the purchases of goods or services made with your Card. Merchant Refunds. If you are entitled to a refund for goods or services purchased with your Card, you will accept these refunds as credits to the purchase Segment of your Account. We do not control when a merchant sends us your refund. We will also have a reasonable amount of time after we receive your refund to process it. Minimum Payment. Your Statement will provide instructions for making payments, including the amounts due and the due date for receiving your payment. If applicable, your Statement will also include a minimum payment amount. To avoid a late payment Fee, you must pay us at least this minimum payment amount by the due date provided in the Statement. If you have agreed to incur fees for going over your credit limit, be aware that paying only the minimum payment amount might not be enough to avoid an overlimit Fee. In addition to the minimum payment, you may pay all or part of the total balances on your Account. However, you must still pay at least the minimum payment amount each month, even if you paid greater than the minimum on the previous Statement. We will continue to charge Interest Charges during Billing Cycles when you carry a balance regardless of whether your Statement includes a minimum payment that is due. If your Account is 180 days past due, part of a bankruptcy proceeding or otherwise charges off, the entire balance is immediately due and payable. Making Payments. Your payments must be in U.S. dollars from a U.S deposit account and otherwise be acceptable to us. We do not accept cash payments through the mail. You may not make payments with funds from your Account or any other credit account with us or any other company within the Capital One organization. Mailed Payments. You must mail payments to us at the address provided on your Statement or as otherwise instructed by us or our agents. We will credit it to your Account on the day we receive it, if: (1) you send the payment coupon included with your Statement in the same envelope with your payment; (2) you include your Account number on your payment; and (3) your payment arrives at the address indicated on the payment coupon in our processing center by the time indicated on your Statement. If your due date occurs on a day on which we do not receive payments, any payment received the next day which conforms to the above requirements will not be treated as late. Please allow at least 7 days for postal delivery. Unless we or our agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any other form might not be credited for up to 5 days. This might cause you to be charged late payment Fees and additional Interest Charges. Faster Payment Services. We may make services available that allow you to make faster payments through a customer service representative using a telephone, the Internet or other payment system. We will describe the terms for using these services before you use them. You do not have to use these other payment services, and we may charge you a Fee for using them. If we do, we will tell you the amount of the Fee at the time you request the service. We are not responsible if a payment made using our payment services is rejected or not paid. Even if it is, we may still keep the Fee. If you give your Account number or other Account information to someone else to make a payment for you, we may provide Account information to them and process their payment as if you made it. We may refuse to accept any payment made by someone else for your Account. If we accept a payment made by someone else for your Account, you will be responsible for the payment made even if that payment is rejected or not paid. Payment Processing. We may accept and process payments without losing any of our rights. Even if we credit your payment to your Account, we may delay the availability of credit until we confirm that your payment has cleared. We may resubmit and electronically collect returned payments. We may also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle similar issues. When you provide an Item as payment, you authorize us either to use information from your Item to make a one time electronic fund transfer from your deposit account or to process the payment as an Item. We will provide additional information about this process on your Statement or other documents we send you before your payment. You may contact us and ask that we not process your future Items in this way. When you provide an Item as payment, it might also be converted into an electronic image and collected and returned electronically. These electronic images may also be converted to substitute checks: We will not be responsible if an Item you provide has physical features that when imaged result in it not being processed as you intended, How We Apply Your Payments. We apply your minimum payments to lower Annual Percentage Rate balances before higher ones, We apply any portion of your payment, in excess of your minimum payment, to higher Annual Percentage Rate balances before lower ones. Items with Restrictive Words, Conditions or Instructions. All Items that have restrictive words, conditions, limitations or special instructions added (including Items marked with the words "Paid in Full" or similar language) and all accompanying communications must be mailed to and received at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. If you make your payment or send any accompanying communications to any other address, we may accept and process the payment without losing any of our rights. Credit Balances. We may reject and return to you any payment that creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that your payment has cleared. We may reduce the amount of any credit balance by any new amounts billed to your Account. You may contact us as provided on your Statement and request a refund of any available credit balance. If you contact us in writing, we will refund your credit balance within 7 Business Days from our receipt of your written request. Account Default. We may consider you in default of your Agreement with us if: (1) you do not make any payment when it is due; (2) any payment you make is rejected, not paid or cannot be processed; (3) you exceed a credit limit; (4) a bankruptcy or other insolvency proceeding is filed by or against you; (5) you die or are legally declared incompetent or incapacitated; (6) we determine that you made a false, incomplete or misleading statement on any of your Account documentation, or you otherwise tried to defraud us; (7) you do not comply with any term of this Agreement or any other agreement with us; or (8) you permanently reside outside the United States. For certain actions, including changing the rates and Fees on your Account, our options appear in our original offer materials when you opened your Account. Remember, paying the Fees charged in connection with a default will not by itself cure the default. In addition, if you are in default, we may take the following actions without notifying you, unless the law says that we must notify you: (1) close or suspend your Account; (2) lower your credit limits; (3) increase your minimum payment; (4) demand that you immediately pay the entire balances owing on your Account (for example, as described in the Minimum Payment section); (5) continue to charge you Interest Charges and Fees as long as your balances remain outstanding; and/or (6) pursue any other action against you that the law allows, which includes the filing of a lawsuit against you. You must pay us all of our collection expenses, attorneys' fees and court costs unless the law does not allow us to collect these amounts. Communications. We may contact you from time to time regarding your Account. We may contact you in any manner we choose unless the law says that we cannot. For example, we may: (1) contact you by mail, telephone, email, fax, recorded message, text message or personal visit; (2) contact you using an automated dialing or similar device ('Autodialer"); (3) contact you at your home and at your place of employment; (4) contact you on your mobile telephone; (5) contact you at any time, including weekends and holidays; (6) contact you with any frequency; (7) leave prerecorded and other messages on your answering machine/service and with others; and (8) identify ourselves, your relationship with us and our purpose for contacting you even if others might hear or read it. Our contacts with you about your Account are not unsolicited and might result from information we obtain from you or others, We may monitor or record any conversation or other communication with you. Unless the law says we cannot, we may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose. When you give us or we obtain your mobile telephone number, we may contact you at this number using an Autodialer and can also leave prerecorded and other messages. We may do these things whether we contact you or you contact us. If you ask us to discuss your Account with someone else, you must provide us with documents that we ask for and that are acceptable to us. Credit Reports. We may provide information about you and the Account to consumer (credit) reporting agencies and others as provided in our Privacy Notices. Information we provide might appear on your and the Authorize Users' credit reports. This could include negative information if you do not comply with the terms of this Agreement. We may obtain and use credit and income information about you from consumer (credit) reporting agencies and others as the law allows. Closing or Suspending Your Account. You may ask us to close your Account by calling or writing us as described on your Statement. Your Statement will provide additional information about this process, and we may also separately provide you with additional details after your request. This might include payment information. If you use your Card or charges post to your Account after you ask us to close it, we may keep it open or reopen it. We may close or suspend your Account and your right to obtain credit from us. We may do this at any time and for any reason, permitted by law, even if you are not in default. A suspension of your Account might be permanent or temporary. If your Account is closed or suspended for any reason, you must stop using your Card. You must also cancel all billing arrangements to the Account. We will not do this for you. If we close or permanently suspend your Account, you must also destroy all Cards. You must still pay us all amounts you owe on the Account, even if they are charged after your Account is closed or suspended. Lost or Stolen Card. You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your Card is lost or stolen or if someone else might be using it without your permission, you must tell us at once. You may tell us by calling the telephone number on the back of your Card or on your Statement or by writing us at the address on your Statement. You will not be responsible for charges made to your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made using your Card, you will help us investigate, pursue and get reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are acceptable to us. Changes to Your Agreement. At any time, we may add, delete or change any term of this Agreement unless the law prohibits us from doing so. We will give ou notice of any changes as required by law. If we do notify you of changes, we will send you a separate notice or inform you on your Statement. We may send this notice to you electronically as permitted by law. Our notice will tell you when and how the changes will take effect and describe any rights you have in connection with the changes. Your variable Annual Percentage Rates (if applicable) can go up or down as the index for the rate goes up or down. If we increase your Interest Charges for any other reason we will notify you in writing. If we increase your Fees or other terms of your Account we will notify you in writing and inform you of your options in advance, including the right to opt out of some of these changes. We may increase your Interest Charges for new transactions and your Fees after the first year of the Account. Also, if your payment is not received within 60 days after the payment due date, we may increase your interest Charges and Fees for existing balances and new transactions at anytime. We may change any other terms of your Account at any time. The Law that Applies to Your Agreement. We make decisions to grant credit and issue you a Card from our offices in Virginia. This Agreement will be interpreted using Virginia law. Federal law will be used when it applies. You waive any applicable statute of limitations as the law allows. Otherwise, the applicable statute of limitations period for all provisions and purposes under this Agreement (including the right to collect debt) will be the longer period provided by Virginia or the jurisdiction where you live. If any part of this Agreement is found to be unenforceable, the remaining parts will remain in effect. Waiver. We will not lose any of our rights if we delay taking any action for any reason or if we do not notify you. For example, we may waive your Interest Charges or Fees without notifying you and without losing our right to charge them in the future. We may always enforce our rights later and may take other actions not listed in this Agreement if the law allows them. You do not have to receive notice from us of any waiver, delay, demand or dishonor. We may proceed against you before proceeding against someone else. Ass!gnment. This Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not transfer your Account or your Agreement to someone else without our written permission, We may transfer your Account and this Agreement to another company or person without your permission and without prior notice to you. They will take our place under this Agreement. You must pay them and perform all of your obligations to them and not us. If you pay us after you are informed or learn that we have transferred your Account or this Agreement, we can handle your payment in any way we think is reasonable. This includes returning the payment to you or forwarding the payment to the other company or person. Glossary. "Access Check" means any check we send to you to access your Account. We may also refer to an Access Check as a "convenience check" or a "purchase check." "Account" means your Card Account with us. "Authorized User" means one or more persons who may use the Card but is not responsible for the repayment of the Account. -'Balance Transfer" means a Transfer posted to the purchase Segment of your Account unless otherwise described in your Truth in Lending Disclosures. -'Billing Cycle" means a period of time that might vary in length but is approximately 30 days. The specific period of time is described on each Statement. However, you will have a Billing Cycle even if a Statement is not required. We will often specify a Billing Cycle by the month in which its closing date occurs as provided on the Statement. For example, a "March Billing Cycle" will have a closing date in March. We may also refer to a Billing Cycle as a "Billing Period." If your Account balance has charged off, we may switch to quarterly Billing Cycles to your Account. -"Business Day" means any day in which Capital One's offices are open for the processing of payments and credits. -"Card" means any Capital One credit Card associated with your Account, which includes all renewals and substitutions. It also means any other access device for your Account we give you that allows you to obtain credit, including any Account number and any Access Check. "Cash Advance" means using the Card to obtain loans in cash or things we consider cash equivalents. Cash equivalents include wire transfers, travelers' checks, money orders, foreign currency, lottery tickets, gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account and not to your purchase Segment. • "Fees" means charges imposed on your Account that are not based on the Annual Percentage Rates. • "Interest Charges" means any charges to yourAccount based on the application of Annual Percentage Rates. • "Item" means a check, draft, money order or other negotiable instrument you use to pay your Account. This includes any image of these instruments. This does not include an Access Check. -"Payment Card Network" means Visa Inc., MasterCard International Incorporated, or any other network provider displayed on the Card. • "Segments" means the different parts of your Account we may establish that are subject to unique pricing, grace periods or other terms. We create these parts of your Account for such things as your purchases, Cash Advances and Special Transfers. -"Special Transfer" means a Transfer posted to the Special Transfer Segment of your Account and not to your purchase Segment. •"Statement" means a document or information we provide to you showing Account information including, among other things, transactions made to your Account during a Billing Cycle. We might also refer to your Statement as a "Periodic Statement" or a "Billing Statement." -"Transfers" means balances transferred from other Accounts to this Account and includes Balance Transfers and Special Transfers. --Truth in Lending Disclosures" means any Account information we provide to you that is required by the federal Truth in Lending Act and Regulation Z. These include your application and solicitation disclosures, Account opening disclosures, subsequent disclosures, Statements and change in terms notices. lcap ta' rra 2010 C;Otal One -pital Or%e ;s a #eftally Ndsteped swk-e mark All rghts teserved. RV600157 M-99488 BR165892 cotcuiftw,a.sy ,,vs EXHIBIT B SODO18! t# Capital One-` offers more than lust credit card products. With millions of accounts, Capital One provides valuable financial solutions-including auto loans, personal loans, COs, money market accounts and more. FINANCE Previous Balance Payments& Credits CHARGE Transactions New Balance Minimum Payment Due Date $0.00 - $0.00 + $421,50 + $14,050.00 = $14,471.50 $434.00 ,•Sep. 15, 2008 Jul. 30, 2008 - Aug. 21, 2008 Page 1 of 1 Mastercard Platinum Account 5178442.7922401 QSHM16 Your Account Information REWARDS- TOTAL CREDIT LINE $30,000.00 TOTAL AVAILA13LE CREDIT $15.528.50 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT roR CASH $15,000.00 Flnance Charges (please see revcm forinpormr informadoni Balance we Nrbd-c Conespomrnq FINANCE applied a roc APR CKS" Purchases SOLO 0.000005 Ono% $9.0c. Cash S0D0 0.00L% 0 22.935 $0.00 ANNUAL PERCENTAGE RATE applied this peried: 36.005 M Your Service • Oo:oywo.cawisimaora a mwye mracoosm r Cat 1-t17175;ci7D?0:o npor, s era sAYn cad r qwl, :o Qmoar Palrions 0 Pay online s:rMrrariseee.aoor naFrorpermen::o: Cspiml One Bin). iUSAj. II.A. • P.O.13 x 711164 • Cerl¢v. IIC 282124W Send klyd riCS to' crp-Ad oar P.O. Box 37765 • Sat. I"Ck,•. UT 8413742iti .J% rz::v wx m unv i rrc rrxxarv ReNeards Summary Previous ovoloble babrce: 6 C med:hkperiod: 0 {mares -.m a bin posed duiag Ali bWh1 G}Ce) AvailoMe Docks- 0 Payments, Credits 3 Adjustments Trani cl orla 1 31 JUL BALJ%I•ICC TR4617011 M Y A $t,65C DO 2 31JUL SPECIAL rvi EOrrCR-FINANCE CHARGE ^c?. S1119.51). 3 AMi. B,1Lr11•ICETRSHSrCRBAI.kCf.,'W[Rr.A ST.rcopc t 31 ,UL SPECIAL rAA-COrrCR. FINANCE CHARGE 521621 0 31 UL BJ.LPJ-ICE TRAHISrER UOWES $2.400Ac 6 31 JUL SPECIAL RA C OfrCR . FINANCE CHARGE $i2 00 Aft Name your Rewards online by victinq or Cd 1-&17-2263111 Hare a q uestbn ahorl a charge o n your statement? New refer -o -Tic Dahrq Rgh-c Somory on Ic bock of yaw rs:enen: or rise %wwx ntalone sonidlu;BG*a PLEASE RETURN PORTION BELOW WITH PAW IE Nr O R LOG ON TO WW W.CAPITALO NE.COrv1 TO FLAKE YOUR PAYP IE NT ONLINE. ?.??? 0 5178057279228881 21 0000000000000434006 capita)) 3 I share m ."n •na k•: Account Number- 5178-0572-7922-8881 New Balance Minimum Payment Due Date Please print address or phownu mberchangiesbelowsukghim or black Ink. $14,471.50 $434.00 Sep-15,2008 Aaewsr PLM PAYAT LEAST Ake"Ahona AManvrrharse TFRSAMOUNT 6naWadLiasc ? Amount Enclosed Capital One Bank (USA), N-A- P.O. Box 70884 Charlotte, NC 28272-0864 llldnnn?h?Illll?ttIIFlllldl°ntlitllll?tl?Ivllll?nllrq #9023555181688521# MAIL ID NUMBER JOSEPH P RUANE 133 WESTGATE iR MOUNT HOLLY SPRINGS, PA 17065-2030 IIIIFIIIIFIIIIItlltl?rll?tllll?l?llltrlllll??tl??lll?lltlrl?tlrll Please write your acmunt numoer on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Auto Loans. Have money when buying a car or refinancing your existing higher-interest loan. Personal Loans: Save on interest-consolidate debt in a low fixed-rate loan. CDs: Enjoy flexible terms with a guaranteed rate of return. Money Market Accounts: Watch your money grow with some of the best rates in the nation-without the risk. what's in your wAiW? m_ 1. I low 10 Auad a rlnrnce char". a.GMQ Period. You Yom urn a rinmm fow peace d 26 chef wtMC'kWiee CUM W sew plrchNes, new ,Names :0rm1R, Newq*m P KMaa and Mw OAer eh"m ryou pay your:aY•Nre Doloo ".In accofdaece wth ale kip Al NoYefOr paymm ,Now, and R"for t A be CIlQ.N 111 y'ke payMM. sue dos. -here 5 no go" Wbd W CaYr SOW M NN special:raisYS.la adstlN, 1*W is to grace period 00 MY-.MSWIOS ryou d0 110:MY-.110:0ar "New CNNci.. b.Aoc suig rumor charge. Teslwt Jose wWM an, so. N tiec-.0 a gm0! Wbd N SSM"Od tMNY Char1J! 1 j 'mn2r dce of.07N K!Ibn or tj•1)n A! deft the :Rnsat:bn N pwteYM a your Avow. Of $'Sw1 :M •IT. Ca~ My of ye Co See. bmlog pNOd. 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You Moral* p6terJN oslywhOn2e pmbMa 1)C! wN now AN JW 00 and Ae pinchads Yon node In yolk barn rue rwtho 100 MOM of VW M00199 add 9151. Ir' 'SO owe oropurze- m nelchm. or rive road you the atl7• 1proM. br -.he pmpwfy or senor; MpRRhNN OR turewd ragardRa d snow or MEW d por baSe.t PRNe oner- Rrm ergs N consplnler". • Dire, aapn,? w Our ,v a erewns Caplal OM support WMrM-Znpfkecy pra/rlon:ae our 70•1111te a WMCGO 0111.01`1 Cap11N'3W R a 4dmw in Ww" WNIC! rwt o' Cepral •]W rdnMUN Corpwion. Al mom RsNed. 42ow Captal one -Ca8 0IDWO66-1 •03.76108 InpodamlNlOO Pavwr:s•,a+nal:+Nrale ONwlb•,arams,+easdatlrAes Jywt mule R.pvJJal l ;m valfe loan p.2ecf ea.s arrmtd •,ar drealrl6e mdwod rvlbmt msxFpraN nl;w+pvrRweh -AW 'e.m pre-J4..*r L,•9pn.Ci1Y e.Oe P . Pasrd.r.lelarea.eifj wdeve Jre fw pore llrRcrf P.rprm:sRa£aJ w+s a: our; dm aeidnn in aq.+JmfeN Rr,• eotbtaJPN asrJdrJe,• reradur dlna.ONUahessJeaaw mmi; fis+Or OmrLry, ndWhg WN•,a. Nairn b n.rermrply Prt+T d'1).. e:e rMen prprl.3 ;m}+,Ta:. 50401fi Capital One" does credit cards-and then some! Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free? Visit capitalone.com for a complete list of products and services and to manage your account online. L,eM• .,; FM what's In gave wallet? FINANCE Previous Balance Payments JA Credlts CHARGE $14,471.50 - $2,000.00 + f $0.00 Aug. 22, 2008 - Sep. 22, 2008 Page 1 of 1 MasterCard Platinuan Account 5178,0512-7922=1 Your Account hdomtaltien AMA' TOTAL CREDIT LINE 530,000.00 TOTAL AVAILABLE CREDIT $6.484.23 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $6,484.23 FnanCe Charges fNewe see rnrrse lornporaa: infornodoni B lance me rercd•C Comesponding F ANCE appled n mr AITc CHARGE tlaclYr.'C, $21.871 t9 0.00000% O.ID% 90.00 Coch SO.00 00V77&% 0 22.9D% 000 . ANM AL PERCENTAGE RATE applied this period: 0.00% At Your service . Co:oymmotabsemn m manage ;oaramosm a LY 1•NUS?.fo70'r0:o wtr. a as:u sAYrr rand ar?ei.:o Orcomr Pakxbns 0 PayOrions r.gMggolujoLmorneeionrpareren::o: Cep Bank NSAi.ILA. •P.D.Box IM •Clurlxv.IIC Send Inqulrles to: cap al one P,o, Bo 30280 • Sol. LdA Cke. Ur 21 1304286 Marrow your Rewards online try aiding a Cat 1-BOB•2?d3D11 Hans a queoaon ebmd a charge on your steloeNSnt? rR•oecmin-.oAc[M Vrit"StmarVon:habackof';o(r s:a:enen: or sisr. x,ase-mtalon? con.?seu:n Transadlons Now Balance Minimum Payment Due Date + $11,044.27 = $23,515.77 $705.00 OCL 17, 2008 re:? v nrx ?n ??ie? itrt xhxea Rewards Summary r1m.& x rniow INShncc: 0 Earned -.hk perlod: 11.G44 inRem aesaCnn pore/ Maine :Nis Nmg oral 1:aollow amoce- 11.O?c Payments, Credits & Adjustments 12 SEr r.-CfMD4- S2.00100- Transactions 22:51}3 TIIER0AD103JSCSTEPMIGLEWES BE ^4120.!(0 0 22ALN3 comrowMNSMUITCSCC,KVJJCITYMD s4c..6 ARRNE:Q 4111 DEPAR-: DOM raox 0000 178 rl K 410.113.7171 s 31 AUG TDJPLE U INTASTY 215•:04.7165 Rk $1023,00 5 A AW TU TUITIC-H SCrelaki088i4 U L S28i.41 PLEASE R ETU RH PORTIO N BELOW WITH PAYrA.EHT OR LAG 014 TO WWW.CAPITALOHE.COM TO MAKE YOUR PAYMENT 0NLI NH. 0 5178057279228881 21 0000002000000705004 CsapIWOPTe New Balance Minimum Payment Due Date $23,515.77 $705,00 Oct. 17, 2008 PLEASE PAY A7 LE49 TINSAMOUNT Amount Enclosed Capital One Bank (USA), N.A. P.O. Boa 70884 Charlotte, NC 28272-08x4 11111111111.11, 11111911PI II II III III III III I'I1+111'I'n1II 11I Account Number: 5178-0572-7922-8881 Please pint a 11 or phone number changes below using blue or black Ink. Mama Marna A1AVt%P e/Apra F4AW.d4e u aP #9026755181688524# MAIL ID NUMBER JOSEPH P RUANE 133 WESTGA7E YR 110UN7 HOLLY SPRINGS, PA 17OLS-2030 .11111 .1111111111111 ,111 .11111.1, 11-1111111.1.11'.1111.11.111. 111 Please write your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have, Banking Free online Savings accounts with one of the best money market rates in the nation, Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Braces, laser eye surgery, and more we can bring medical costs into focus! Visit capitalone.com to learn more! Prod.,cts and serercci olfored by t•to Capita Oro fam) y o1 cotnpan,c;, eidud rig Capita Dote Bank (LSAT, V.A. and tag tal One, Ni., menbors FDIC. t ..I :11c r .m :.Pia : e:.r l:,x:t .:;AJy :.:r»:r nw t'. : L. .i.l-o . •q+. ..... r,:w;.: F:''. :r.ru:; 1. 1IOW'10 Aaold a rlnand Charge. a.Gdsoe Period YOU M ha00 s nelt7n rote pert o' 26 dys WthOlt'wK" change 01 NOW K^-hMt9, Ms ealuce:DlkM. nrA 6PacN PHChaNf rd MR o:rises eMrgM I'yr paYyaraanmae CSaoN'. W aCCOldarK'! xth IW NO:Mbr Pay1'errs beloW,aIO k W W for t to ba cleated b.' your pay"W. due tam. -hem Is no grate period on cash atvanus am tpeclNlar'ea.5h aatWa, :ttewk N piece period on W -.raosW..IOn r you r N: pity Ate -.O-ar 'WeW Galante." b. AODr9kg mare charge. 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SWIStM%V Ot add speddi PEK'hM*) by As catespoordry day Periodic otht* Ing had Men FWWOany dkekaed a}ros.N..:ha fro of each may tang :he big WlOd. We apW:r* ONY Perlodtc ks'afacn seorert urvaf o000arC m1w War baaace O' ear uorerc. -Mn r:N end W AW boong Parb4'at as up :he risks Of sea it* eobrkibre :O hake r }roar penodlcsasn Charlie -or each segrvo-- We ON eP :de redurs, -on two I" rem -0 alive r AW :a6 ""Wade smart charre'oryoracca7p_ To gr 1e day MWde.0, eackagnel:ayorrcato:'r Ak*TAbagar7r balance bar lick so in aN am my Nwwoumn.brk and fifty Ptlrodb caret dt10ge t10ntrxd On Aso PavbuL r}•L bilrcetx :Ili Ngmw.. Wt Aura OatJet: My payrSmd of crMts poll-.0d K d JW. day -.a: ono rrred :01r aegrwr- Toe 4WM Us -20 UP" (111111 60SK* -01 Nchaegr'Ne:dyorattaaf ftwer,l'y"pfd:ht New Gara11C! N1dAw al your poel"a L'JteflR k'vafDrl' voar near IaklKe weed a • erdA:6roba:i.rltw 1ronNlCgK.'Wnldl post :Oyar PuKMee ripetW pnthrs teoroln are not. ~ :O :ha day bekMei wt twkrrre :Ile oveage ads ?6aar! 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Whes you pdwde a check as promerg. you Aare us erhel:o use hlalro'afl'IOn your moot b nett a one Jobe tlot:roe t--ww wor or-mm }'Wesrpoa: nttoua-. or W Pxses .he Wrier.. K • check :wlaerjoa.:WWt Ire W ktrrrr3O6'lon vOlr cW& m rWba r eMror10.6od :anstlf,'Yedd rey Ut 1vthOrarn'ron }rorOePOSI: actor K soon r-1* LaoW eaywt oceM y orpyYttr rd yW xei so: WMW your Check: back IM VCur *MCN ow.rulW.Your rtlwnxaAOa is W. reed by Ite able art -.he chart 1St rev resrnt and elc:rortNaly COIL: We mind pynert t.MrNuptar. rvn am etAJee:o bormauF:ey pdxt:bns'a yor&CMM7.:tkmrnucrJW aaWarkrara-bn61 purposes. I: k son W raryc b toter onm or WOO M a der of dean. Do W Neon my pyrites d" :o me Weak "Whit wilt Your bwarpp'n' airy or -.he lastnpcty Car..r sou want a conic: us &bortroar wearer. or your barRNpry Pcceeda6 please Iwo your a'rrw cornet: ua •GILLMJ•2 Re71ITS SUMMARY ik red O Cron a 1LSroN rat Your Ca) I-Yom let tour Oak worn of r you need M" rlan7rroo on a :raraCloi oruR Was :0 r an m leper" 9Mr. 1119006 r sorb! a::M roeio brkg911W cAOxn a 1! Tort o'Ass ssxrw r_ %* re -Atemr-wre you M Irer :Mn 60 Saw a'ar "sew. you Aw'R: bW M whCh:M mem orpaaoR appMlad. YOU can call our Ceearver RNr10ha harder or aoJJV us by free or7errR htk doag sowed nr Pmsene tar rgKS.16 yoar o .ar, oars r 1e atlOtrag MWMM W Yar and ord actrr. aoraWr Ale dOrar ar'lor: tine 6aepeed t11ior, a setn*:bn a Aa arror no arl agwasboa,Y poLow. O W71y VON bM" Aww In N e6og of r you need Prole sranrJ09• a demlicbn a:de tonsw se uullro rat. YOU r N: anew p y?oyi arwYd:a obgrte?-A py:M pia ayorwb!'IS?i' w' a goer.9nt wm* wa wwe gre sour 6aes:NL we cane np0r. Yon r alg9eK r2" arv W.0 :o tow.1e mn6: you gdes:bn. . LPetlm RukTor Goa cast PetI1rM rYM Moo a Pluwsr7 Writ :N w w ce FNoW.V or services :hr you peWhom Writ a cmdt card and you have IN Is good nth a corw.. -,he pollen wane rontrain% you only ban :10 rtJlr son :o p.vAte wraacg arwert ones a 1f Poptrx r ... YOU hate 20 POxCJr Only when Aa paKhre prbt was rme rir1 SM 00 had IK Isaeaeee War made In your hOPW s:rt orWn0 100 rasa OF VOW Me" add *52. t1-Wt onw or operrelt ntKltor rrwt meld jau :he adwrJ wnW. br 1t popery or strdkM Nporthrr an eM#Wd rigOOtu C KIM rbtEM d Pon"*.', PIM O wr W nor a agn r ctWlaalnlwNKt. • CION MEMy 0 onus net{ WWWW Caplsl o t rppors rrorro:bn rdk" pro:erlon: see our Webate at ww roap111oso con CeP11.7N in a votoM 1lyrMd seNlce ra1Y 0' Contad One rlnarkal Corpow2 7. All so's reserved. .?2006 Capt10One -CA6 O f Dk*066 - i - 03.46'06 Inpar6vd N•at. Pgna:.i""nal:•a.eUe aNkdb;arnmpxe aaddeladnalyae nmlch,rynsN 1 •ai• tied W.gtp.rluadtsus..t.W;eerdeAl.1he adspl p.kexet11 blue altV.;-rA-th naeedaw.lnar's!r'tewter Ir,•9p.n.[-its:..a P-. Pace i,.aeLW.tae(Qk.l.w9 JrA.hpraaseLrrA P. rnneniooQ. ?I kytn Y at; es.lw,:I..afn aty •:huftar rites, nee W a,kN as•Idrta?werecaLe :hunt Orkaltwa Jura an Ibdraian} lralnAty, aa.lot lolar;s. Ikax b e.eere rrei Mt* ?. e't pnMd9:?M•rtaC. 3ras I important notification 4108C of a change in terms to your account Please see the important notice included with this statement- It details changes to the: • Minimum monthly payment calculation Tiis :harge .%ill :ake ettect s:artigc vkitl• your December oil'ng period. Yo.l an dedine th s doange. C Previous Balance Payments 8 Credits $23,515.77 ` - I $8,000.00 + Sep. 23, 2008 - Oct 21, 2008 Page 1 of 1 MasterCard Platinum Account 517305T2-7922-M1 Your Account Information REWARDS- TOTAL CREDIT LINE $30,ODDAO TOTAL AVAILABLE CREDIT $14,46423 CRMT LINE FOR CASH $15,00040 AVAILABLE CREDIT rOR CASH $14,48423 Finance Charges ipleose see tewme forinporaa: infwna:ioni Balm" we Per6* Conesponding FINANCE applied n rar AM CHARGE Purchoccs W.O84.73 6.00000% O.OD% $0.00 Cash S0D0 0.0027 D 22.90% 10.00 ANNUAL PERCENTAGE RATE applied this periak 0.00.% At Your Serebe - Co:oxra.caokalonemm>o nrrage ;wromomc. a cat l4D)-955,0-O:o mpor. s Hs:or nAm card a gogk:o Qw.omr Aklone 0 Pay OnYneaorneevorprama::o: Opal Ora B".. iUSA i. II.A. • P.0-Box 71183 • Ckerlvs. I IC ?8]73.1183 Sand Ingrd rlce to: CapHwl oaa P.O. Bw 30186 • Sol. Late CHy, In & 1300226 0 Maingo your Rewards online by testing or Cat 1400-2313MI Have a question Ae t a cuarge on your sfoieueni? f lease rcter :o Ae Oakq rljh:e Sumary on -.he back of -..our s.a-mwn-. or ei%'.. wwR dlialone ton' h -os Transactions New Balance Minimum Payment Due Date $0.00 = $15,515.77 $465.00 Nov. 15, 2008 r•.:w: „•x rr nr,i unit ,•,zux: Rewards Summary r4v.4ouc awHable bounce: 11.Ote Earned -.bk period: 0 (Wil cs :rawun*n povxl kabg ill billing ca:a) Available Dobnce: 11.0ct Payments, Credits & Adjustments 1 16 XT P.-WIA34- S1.5m.00- t7 O CT ELECTRC11P,Po%YIXIIT S6:a00GO- Aic }ou ll:emo ni In refbmcing your curer. nargepe,)CCOMI,3m cm hep.%,'e offer greo-.M-.ec. no ILiicn too. and you will mc(+m -.he one on-one arxrrbn of ite cane pereatnikmn oceaulan: ton toll :o cbce.,ibi wRR,esplybehontlows,con for now inlornaion• PLEASE RETU RN POKnON BELOW WITH PAYPAEFff OR LOG ON TO W1hw.CAPITAL0NE.CON1 TO MAKE YOUR PAYMENT ONLINE. 1 5178057279228881 21 0000006500000465000 Ca?, Account Number: 5178-0572-7922-8881 Due Date New Balance Minimum Payment Amount Enclosed Nov. 15, 2008 $15,515.77 $465.00 PLEASE PAYAT LEW THISAMOUNT #9029655181688523# JOSEPH P RUANE 333 WES IGA TE DR ROUN7 HOLLY SPRINGS, PA 37065-2010 llplrllrrlrrll Ill...... I..-I-111111111 If-, hill - 111111111111111 FINANCE CHARGE $0.00 t+. Lend a hand. Save the land. Manage your account online today- It's fast, easy and secure. Pay nn4x r^y+ nw -ne r•nm checks, stamps or clt,-, er. o Moeinq'+ CKA-,gr. yo--addrrss r.nline 0, ae thr. hark ®liclp spec the planer Caopapcrless Q S,gn ?p al'eA1W',Jpitai01'e cam Capital One Bank (USA), N•A- P.O. Box 71083 Charlotte, NC 28272-1083 III'li'•I'r.'ill l"IllrllllIll' rrlrl 1r111,6'Ill Ill •II11'll'11if Please snake checks payable to capital one Bank (USA), N.A. and mad with this coupon in the enclosed envelope. m: 1. I Ioer1D Aard a rlnsom ChYpe. a.Dnled Period You IN kwre a nktr on loo Period Cr 25 days WOW INN" Cb$W ed NW plschrK,Mw brrM MWrs, Mwaw pimposm aaa new o3er Nlrgra ryol pYYedr :rWr'? 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Mr rPMMrt SWAWSO You hen cal our CacOli r RNcbr mr•rer or party is by earl rwomi art do" owl n0: pMb•ne purl (q'tr.11 yroarBrad. fare r11e"M"- orrra:locYedrM"and rear orsia a ]1s. d0atf WOW.. 4111e aaapbrda e1Mr, a *wfly:bn caw trop sr an rlpposam.r pwaw, 0 wV :Mr! • M ea0(r f }al IMed row labrnadol. a Volatile, eafCr?:Ori r11e [rnyroh ace IMMM sbos. `rou do r' box'0 FEY my WOW.. in wx:w what We. ace amypormo r be: acedolllgcN:0payTepdsaryorbl11creao s VON ltas:bn. What we Inoml) a V" 4"Si l we CMIC rhpot Vonrd*B" Mor2Wan.'Kean:0corr. 110 anm0:yam lrec:bn. • Special RW IN Cede Card PNichrea I•yroll 1rax s prollrt W1:a :at M/aN o' pMpry oraaNbr :11r Vou psKissed wth • Cardr mod ON YOU hart 7M t good Toth b 001Pr 11o pawn wra Is rardlert.you rew hate :k! rl?C ar :o payyk MnaM bg w"m dw w 11P "ry r ehlNleei YOU hoes ]IS pomc:bh wl}'warl -M plchm prty was ire 11in Sh0.00 had'ae prune Wes noes h yur krx i:ct rWnt 100 nee or year slog sal Ms. t1, We 0Al r*Wr.elM nentr:, rr W! Mold pour U tor nP1: o 11e pbpMr}• r [rrA"i re. re. e0flNO 1lgaoe ro•arprtrMeaam 0'pnMrl.i Pore feMMNkrD s1fR r cotepWrWrWe. • ?Tec,vatpy D but .x a arrows Copal •7M gppora lrorrrbn Ptar+cY prowjofl: ese our wpbste c WWYdFa faabpl.Cr'1 copal, la a leawaY Mlrred atlwes rrlr o• t:apal •?r rurantral corpora:bn. Aa dgna Mclndd. •:,2ao5 capmW On! 'CAB OICSAWI6.1 -03.78188 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 0401 statement. U.Sirrg d different envelope could delay proc'ess'ing. • Please don't include any additional correspondence. • Last but not least. be sure to write your t frdiyit account number on your check. M"fi l of C86' JOSEPH P RUANE important notification M of a change in terms to your account The changes detaik-d in this notification amend your Customer Agrcrment. AN other account terms acid cond'tions remain the .same. Please retain this notification for your records. Your Minimum Payment Calculation The folkwing change will take effect starting with your December 2008 b1ling period: If your new statement balance is $15 or less, your minimum payment will be equal to your balance. Otherwise, we calculate your minimum payment by adding any past due amount to the ry eater of: • 515; OR • The total of 1% of your new statement balance, plus new interest (periodic finance charges), plus new late payment lees. This minimum payment will be required for every statement with a balance, even if you paid more than the minimum payment or made multiple payments in a previous billing period. Please note that this change in how your minimum payment is calculated could result in a higher minimum payment than you're currently paying. For example, if you pay late or have missed a payment, it's likely that your minimum payment will increase. This policy change is required by federal [tanking regulators and cannot be declined. ;noS,6i Please send questions or concerns related to this change to, Capital One Bank (USA), N.A. P.O. Box 30285 Salt Lake City, UT 84130-0285 We cannot process your payment, nor can we process your request to decline these changes if mailed to this address. Our federal banking regulator is the Office of the Comptroller of the Currency. :?' 2f17)Fi LaFmiml Onp. Calkal One ka frder.&f rptjmiprvcJ %orywo mark. All nrjFls 'Y\M1VYfI JOSEPH P RUANE '133 WESTGATE DR MOUNT H OLLY SPRI NGS, PA 17o65-2oxo Dore Us' by Decormber t9, 2oo8 Roy to the nidMOf JOSEPH P RUANE VOID Richmond. VA Memo ftrchese Check Sigieuure ){K71S) 32759 6Ef-/2ryJ200 41059.1- 001W5 11'3275911' 1:256072?011:1`510030291.352R' just write a Capital One`s DearJOSEPHPRUANE, k! h Ch P You have things to do. And now you have an easy, convenient financial tool to help ase ec urc you get them done-Capital One Purchase Checks. Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction feel things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check, They're especially handy when credit ca rds aren't accepted, 40 Use these checks with confidence. You'll nuver pay a transaction fee when you use these checks for cash o? purchases. And, thanks to $a Fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card and loan someone $peeia! balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself to a night out Consolidate your bills Get cash for things you want and need You've got things to do...get them done with these Purchase Checks! Thank you for your time, P. Taylor Jamison Director of Accounts P.S. You can use Purchase Checks just about anywhere! Please remember to use them by Dec ember i9, 2oo8. Want to transfer a balance crow? Calf 1-800.955-7070 or go online to bops://tfvnsferbaiwces.capitalow.com/offers. JOSEPH P RUANE 133 WESTGATE DR MOUNT HOLLY SPRINGS. PA t7o65.201.0 Pay to the order of Please see the reverse for important information about using these checks. 3uso ]03552 12760 Drrfw bb-7270,r256o 41059-L flye by December 29, ooa VOID o0ars Porehase eked Rkhenortd, VA Memo Signature I1'y;?76011' 1:256072?O L1:75 i0?L0294352R' v x rT R ll' Y C G C I CJ N R p a A Gat questions? We've got answers a m ao z T 2 O TO O M A na V + m 2 T in rn li y 2 T T 9 O ? w 2 ^I ? 54 z y Z = ? r a s m Q: Is there a transaction fee for using the allow you to borrow on this account Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nadia. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out or just Q: What APR will apply when 1 use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card. and bans (except Capital One accounts). It's really pretty straightforward. Q: Where are these cheeks accepted? Q. What Is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "availabla credllt"? personal checks You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. txamples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your cared has been reported lost/stolen, our fraud system prevents the offer fulfillment, or a term of your account relevant to the offer, such as credit line. APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect If you have an authon7ed user on your account, the authorized user cannot request a transfer or use any Checks. Purchase Checks. 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 7) May not quali fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your creeks, transactions and fees does not exceed your avaitat)le credit line A) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed 5) will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N A., which has sufficient funds to cover the amount of the check(s) ill the event the check(s) is(are) returned unpaid SO fraud liability dalrm are subject to venlication and irsvestigatlon .rx g Coca :?t ;r^ ,ate loci ;l c n n 'ewsrrj, r ct sired n_ ra'a tt ' q,n .;_•,r:•- . T x a R x c: c °o i* I [7'7 x Z A 0 ao ?zl Ho a •c { a? ?w „y z; 0 O S,'p x ?n 1 r 'o a L y C W n r? •_ A m pz O D N rn x A rn m sOD25o • Spread too thin? Paying bills takes a lot of time; writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One" balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing. shopping or watching the game-instead of writing a tot of checks. Ready to transfer? See reverse to learn how. Call 1-800-955-7070- FINANCE Previous Balance Payments a. Credits CHARGE Transactions New Balance Minmum Payment Due Darts $15,515.77 - r $500.00 + $0.40 + $97.16 = $15,112.93 $453.00 Dec. 16, 2008 Oct. 22, 2008 - Nov. 21, 2008 Page 1 of 1 ?' •• M:xV NJ ICI IIA:I IFl(. Ilw Mastercard Platinum Awmnt Rewards Summary 5171!-057!-797Yi881 H * r evloua a:•a Mic Gahm: fl 11.Otc as it Camed :hi petiod Yaw Account Informoom Q REWARW far1im ansacbm possi wing its kiln, cnli TOTAL CREDIT LINE $33,033.00 p;,•aBaMc [6Tbaco 11.1:1 TOTAL AVAILABLE CREDIT 514.687.07 CREDIT LINE FOR CASH 31G,a)a.o3 AVAILABLE CREDIT FUFi CASH $14,667.07 Payments, Credits & Adjustr wits 1 14 hlCrd rr IVIE3 F 9602.00• Finance Charges rrieweocerrewI«erpaar.intoutaJoni Trarmaetlons Dslaaloewe Florio& Conespondhq FINANCE 1r 11]'1 T011Y0 DHCR tJCCI VstIM;?1 R?gU.HL DUFc3 rh °77.17 applied a for APR CHARGE 3 16 I4-71 STr. W Q%CS VAl, AWDI..tr ) 2 it3BB -Q WA S I9; 11ac11oacs $15.48.03 0.1 OD>o7a RED% $D.Cd Cash 5020 0.06137'x0 22.W. $0.00 ANNUAL PERCENTAGE RATE applied this psried: 0.00% At Yaw Service - co:o%wymijim m momo aasrsecosc or Cat 1.9015 Fi` 7OT8:o mpa f br.a sx Yn card r>iaeO b Orcaar P1alrJons Pay Online r. p gom or adyar prfm r-. o- C.appsl On* Bonk (USA} ILA. • P.0_13mc 71083 • CMatrs. IIC 0 182.1.1183 Send NgWdos to: Caplsl Oar P.O. Brac 302% • Sat I"Cht Ur Xi 31026 Aft Memo Your Rosards online by %,k tmg 18aCa .22&3M1 Have a question dodo dlafee on your shtoment? Pk= tike :o Flo ONYIg Sighs Simory on :bc tack of ;roar s:a:emaa: axisi:xx-R?talorw_conidisn:ts PLEASE RETURp1 PORTk1N BELOW WITH PAYPAENT OR LOG ON TO WWW.CAPTIALONE.CON1 TO FAAKE YOUR PAYMENT ONLINE. 1 5178057279228881 21 0000000500000453007 mp1 J Account Number: 5178-0572-7922-8881 Due Date New Balance Minimum Payment Amount Enclosed Dec, 16, 2008 $15,112.93 $453.00 PLEASE PAY AT LEAST THISAMOLIM #9032755181688526# JOSEPH P RUANE 333 NESTGATE OR MOUNT HOLLY SPRINGS, PA 37065-2010 IIIIIHitilEillltlLli?l??llll?hlr'PII?I??Inl6lrltllanull Lend a hand. Save the !anat. Manage your aaount online today- It's fast, easy and secure. Pay ontioo aly't mn-no n•nre chocks. stamps m ck.*.ter. o kAovingy ChairJe• your addresi rnlinr 0, w tlee hark 9 Ifelp save the planet Go pJplrless 0 5,gr 4p al v"W..:apil aicgle 63,11 capital one Bank (USA), N.A. P.O. Bex 73083 Charlotte, NC 28272-1083 miIII -III"nhl'II-III IIIh lttr?ll?lrlllrllr'llldlll'611 Please make checks payable to Capital One Bark (USA), N.A. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: t. Grab copies of your other credit card or loan statements. 2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. I Or, if you don't have checks, call us at 1-800-955.7070 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. l logo to Mold a rWWM Charge. a-Graoe PeM(L You 'N6 Awe a Mir"M tote peftd O 26 daYY WON='Ieame Oblige on ee'o PlaehMes.nee b"NOt 711019", NOW M" RU1C1dMM NO MR Ober Cho" ryoe pay yro0( -.rml-Now 00we".In SCcollsM won Jx NTArWE lloTelor rwyrerts beings. aM a JM IN t -.0 M CMIme1 by v3r PNxrr due Nov. -pore M no gMM WIN or each Swawes and specied-Jur•es.11 SOON. -.hale Is 00 grace period on aw:raMam" r YOU do W. ray-Twra "Pi" caiam:l b-AOOreMg rls om CNrge. T MSSMOM 711kh am eor. M bjec::o a gMte Parbd aM SSSOMN RylMn Cblrte I. 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WS Me ybYr rglti.le %vorrKekeM]ebnaw Mining Or yolrMMpod aceat. arWeL M dew srsw aye ""wed enor, 6 Tot taro! :few a N Oro[ or f you rMtO now Mbrr'1rJm a descr*:tn aye MnYM 60 Whew aMU. YOU do M-. MW :O ray My 6r ur. M QecJM while win on M risky, log 1. po: VON Sit roe ob41M T Pony :he PWX OF yotrba Jac OR M: M 111AW211. WMN 10 Mrts,4" VOW twrwk We coma RPr VON on 60111gNlt Or IS* Sny SMOn -.0 GONG: JN 6nonr.YOU tderbn. . 5PKNII Rat Ind CRdr CAN PMthaan rVon raw a Pro?m• W1 JN %way W PWpr.Y of arrow Tr YOU INS KUM Will a Cledt MM ass you hWe Ae0 a good lath D Cone-. JN ""ion w1y:M M""W, You ny We -.he Fret W.:0 PYTt MndM 1119 WI Mt don 01 -19 PV[Wrn'r mvi es. You Inre:m limeem owww i perc11Me Pre will now JNr1 Sa0.00 Sad Jw p1acMN was rude in Your hone rfe orxtOM 100 Min OFYOW Mg a06Mm.trw•e over rorwrtI* Mochas rrwe rum You ye 0nrtwt"r. br:he popery or seNkK an pwtim" son mood reo dlem C Anow rbeadon Or P K*M A pMMe romerw6r D ape on cone wwerlet. - :Doi 4-.w NMO? b Gas ms 80Nr14s Caphed •7o6 MPpons Knormbn Pkwy romwiOn:See oar WoRte K WRRCat1110ee.com CaPla1 JN a • blow Mtrtwd somet rim 0' CA" Ode nigm I CorpOil ion, N 9011-4 Rce d@& Q20D8 CW MOne -CA8 0IDIdW"-I -03126Ne Not quite ready to make payments online? No problem. Fallow these simple steps to make sure we process your payments smoothly; 19 • Dan I staple or paper clip your check Lo Lhe paymeML slip. • Be sure to use the payment envelope that came with your y/. statement. Usirty d &I'terent envelope could delay prmess'rny. • Please don't include any additional correspondence. • Last but not least, be wee to write your 115 digit account number on your check. 7 JOSEPH P RUANE -L33 WESTGATE DR MO U NT H OLLY SPRINGS, PA t7o65-tow You've got things to do-get them done vwllh these Purchase Checks! Thank you for your time, P. Taylor Jamison Director of Accounts Par to the 0rdrral JOSEPH P RUANE S VOID X16SS1 12761 G&/2ru12y60 ;t059-1. rJOAars Richman d, VA Memo Purchase Cherk 0127611, t:2560727011:7 5 100 10 2111615 24, Ust write a Capital One"' DearJOSEPH P RUANE, k! Ch h You have things to do. And now you have an easy, convenient financial tool to help ee Purc ase you get them done-Capital One Purchase Checks. Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the Purchases made with your credit card. Plus, there's no transaction feel things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash vi purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself to a night out Consolidate your bills Get cash for things you want and need P.S. You can use Purchase Checks just about anywhere[ Please remember to use them by January 21, 2009. Want to transfer a balance now? Calf 1-800-953-7070 or go online to hops://tmnsforbafarces.capitatorte.comleffers. JOSEPH P RUANE -133 WESTGATE DR MOUNT HOLLY SPRINGS, PA t7o65•2ota Pay to the order of Please see the reverse for important information about using these checks. 110M aWr Date Use by January 2j, 2oop 11% ..I- r14e by Ja+wary2r, 2009 VOID 1 2OM52 12762 68-7270J256o 00S". Doom; CaV ?_ Richmond, VA Mrmo Signature 01c7620 t:2 560 7 2 7 0 1t:7 5 300 113 291.1S2111 z R a c G O I x N R C' n o a x ro O n m H = m o ? m i Z 'L z 9 o ;) 1 N 2 ? z P ^1 y 0 O pie Z = `A N } z n Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks7 credit is your credit line minus your balance, if any, A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can 1 use these checks for? Capital One account. A: You can use them for almost anything-whether you're Q: What APR will apply when 1 use these checks? A: You will receive the same APR you currently enjoy on purchases made with your credit card. It's really pretty straightforward. Q. What is the difference between my "credit line" and my "available credit"? A. The credit line is the maximum amount Capital One will shopping for new clothes, enjoying ineals out or just worrt to have cash on hand. Another way to use your checks is to consolidate debt from other credit cards and bans (except Capital one accounts). Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. You can even use them at places that don't accept credit cards. Important Information About This Offer under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include. your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported Iosi/stolen, our fraud system prevents the offer fulfillment, or a term of your account relevant to the offer, such as credit line. APR, or special tinier rate, has changed since we malted the offer. All other terms and conditions for your account remain in full force and effect H you have an wthowed user on your account, the authorised user cannot request a transfer or use any checks. Purchase Checks. 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please revievv the Billing Rights Summary on the back of your periodic statement for more information. 7) May not quall fy for reward programs. 3) Are subject to your credit inri lability on the day Capitol One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed 5) will be returned unpaid and you m<ny he assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital one account. 7) Qualify as using your account 8) Cannot be cashed at a Qapital One branch unless you have a deposit account with Capital One, N A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) Ware) returned unpaid SO fraud liability halms are sublett to venfitaiiorn arvJ investigation q,l, i; rvcr, FJi ti Cnc ;rl ap cal ;rc n e ,x.r,,•l y ,rq sic cJr_ n'8 < Al M ?o O a? a c 'r a rn T T A m rn 2 £ 7 z :1 Q 9 Y A x Ir O? L ti .? w rC is +a 0000) ? O • Spread too thin? Paying bills takes a lot of time. writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One`balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a tot of checks. 001- Ready to transfer? See reverse to learn how. Call s-800-955-7070• J 5OD268 FINANCE Previous Eallme Payments 8 Credits CHARGE $15,112.93 - $500.00 + ! %GID +: Noy. 22, 2008 - Dec. 22, 2008 Page 1 of 1 MasterCard Platinum Account 51794512-79?Y•SeBt Your Account Intonntallon REWARDS- TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $1Z5a07 CRECIIT LINE FOR CASH 515,000.00 AVAILABLE CREDIT rOR CASH $12,552.07 Finance Charges irkooc sm ioxw for ktporaa: infornmioni Dalarxe we rerbdc Corresponding FNIANCE applied n for A!Y CHARGE ruchacr $16.881.31 B.OO00D% B.OD% $0.88 Cook SGAO G.mm D 21.90% 3G.00 ANNUAL PERCENTAGE RATE applied this period: 0.00% At YOrr Servke - Co :otrw,MADW0rracow m wwye waraooaac. r Ctt 1$1U9`f.?ATil:o rarer a h:a stir cad rspl.:o LLs:omr Palrbns 0 Pay Online r. wwAsralsexom or mefterpatmer :o: Cap's' Osa Bma. (USA). ILA. -P.D. Bx'1$83 - Ctrtrs. I IC 2871.100 soft bpWAss to: Espial ow P.O.Bac 3)2di - sat.. I"Ck?. Ur tUONE126 Aft Manage your Rawards online by* king r Cat 1-88]-T2P}3N1 Hoc a question about a charge on yourslaleaient? rkaec rckr :o :1e DO M Ril1x Samari on ire bock of,,W nooses: or vis'hxwr_ alone_wn4u-.e% Transactions New Balance Mhtilnum Payment Due Date $2,835.00 $17,447.93 $174.00 Jan. 16, 2009 Rewards Summary r.::v wr rd :?ae? iHC aaxnn rmviouc aw"le bounce: I IA'i Eamed AIL period: 2.8"r freflic. nsnncbm posed dubg this lilht acli kniloble Babace: 13.976 Payments, Credits & Adjustments 1 15 DCC r.-WMEI•F 1U.00. Transactions 11DCC C01111CrtArICCLV%cRTIIOCrsRLISLCrrs $2.835.W PLEASE RETURN PORTION BELOW WITH PAYPAENTOR LOG ON TOW%W.CAPITALONE.COPA TO MAKE YOUR PAYNIEFIT ONLINE. 1 5178057279228881 21 0000000500000174005 c?. Account Number: 5778-0572-7922-8881 Due Date New Balance Minimum Payment Amount Enclosed Jan. 16, 2009 $17,447.93 $174,00 PLEASE PAY AT LEAST THISAMOUNT #9035855181688521# JOSEPH P 333 RUANE HESTGATE DR MOUNT HOLLY SPRINGS, PA 37065-2010 Iu1h111?111hllll,,1,tltl:,11PI•rl,ll,rll,l,rnt?„n.111111?1 Lend a hand. Save the land. Manage your account online today- 11's fast, easy and secure. ® Pay on4I w, •nyt me-no rron• chocks, stamps or ch.-.hr. Movingt Chaiyr, yrur address rn1im 0• as thr• hark ACID sJl'C the pl lnel (a0 pal)erl,ss O Srgn r p dl 0A1W WpiWEM•o cam Capital one Bank (USA), N.A. P.O. Box 73083 Charlotte, NC 28272-1083 n11111?111?-n111.11.I1IP11.-IIn11-11.1?111?11? N{dld hll Please rake checks payable to capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. _ 7._ Transferring balances is easy. Here's how- i. Grab copies of your other credit card or loan statements. z. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. I Or, if you don't have checks, call us at 1-800.955.7070 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! m: I. I low to Ardld a reunot chmme. a.Grd e, period YOU wa Awe a rlwrrn gate pesot r 25 oats'AtI01 TAnte Change 01 new p1l AMA. MN earaWe .r hlVnL newspecom Kneaded; NO new doer ells" I` VON pill, Vrer :.a"Need ONSWOr.In amonaaoe wtI ]M rwporam W :bl IN penults below. am r nefor t M ue cleated by Ybir pyre". due Mw. -here a no grace plrbd a Cain awaWM am SpedarsaN'en.II odd DON. d1M is No grace pemd on aay laasarwn r You 00 W. w1w:rM 'Thew palTwe'" b.AMUMq n1sam Chri a. 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Journal, plus a4, M19er pnvMS7 daeM[N M J UL TIMe ChOOM wise a-d.JW On ad's: OW OrYWr MM Period celled Ur YOllrPe6odt 9=0110M "MUD Ill as norea arJ&Kwv,ArA JUN and oeM/M. c. t a4, co0e o tio"il Prn4,i. r iMorth[ uo'N.l, or o i a?Mlrn,LlooRieMeersWae'rorro"io6rezeMN: nor' O'h# Pe"Of W&(Q.'.M Particle des and WIn[POpans ANNUAL PCRCCMTAOC RA-L9 re", a r=-.h4 rM ray WCWW OF decod"eMed OR -d IMCee, M loved In nieWa&lNe•. JOW W Peor 1M moor pMrou[ry datlaod-.O'AaL TMSO Chrgls •NNe rMlrh er4,.Me W ]lore My d?out MUD place two e-Ae6eaMM111 Of Leer. OIIMtr and Retuned PIYr WM reea. uncerilewme 0ryoordworwatmemem, we resolve :M rplt:oIRMO or vC M MMII soy MM w0-Jrow. prior wrErJa Mine IAIIW. WNIMO our ruT -.0 UMN 1114, mor'eOrI~v 045 r. a Igor a». 5.rMMfarlp ree AM rienM M YourAmous. I'M rMrtMaM Y! MWIS re --h it r3C0n&M wewr Mat :4,e 'M r'AMl Iea1iC:0 doseyhur WON r. anal 110 diet r:M r omml r as saarMa:. YON nay catir M:O Me:he acc0wc OuMO :114,110 hey 001140 heMM YO rr glum rye do no.. 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MAW chKAS.Y W r Nor R111 Pao' of Anolat[ ya owe at *I'm 110COMNIC, Wes IF aeyWM drase i'r yooreCCOwt a CROW of SpaMM 1,-ma M Paevrwla Payrelrs yW naMM us wObe Meet :oyoNrsccowt a r aeb6.aona oat we recthn r" plwldea (t)Ye MW a4, bQ.w1 Dolph aaa IM"It and •p O8f CW1r In a4, NclMda MrrwlrM OWMIPr Sod t'ri yOwpWrim. a leeeYNM OaPlocess pCeaMfay apt C_ (It Woe PT). PON* MACW C ill= %e(M lushr CWI for POS-A 001 wi • Pernneadr MtWei lot us W. Mt rode pre:pn or ill wry OaNbrin nor W. be end NM M Of a4, dal We lettat -.herL'361 kXMMN OaV[ Sit IJONOa a foMll arumn•• atdudMq NEWS. 8. Make About loo rorc Check Corwan oi, Yale you pule a check as payrwC Vold aaa0rte M N:her:o a4, Mdrl7bn'lol'l y0a wilco :0 rMr! i ree?'re ele.Nme'w1d 1aM'M'Mn Vor Wpw: aceW r. a :o prWW AS W-wr as a Check :w4e2CIAN. MM we use Mbrrotloo'Idn Voin Chlea-.0 roteN*be-.ft 'I ad :metier, -0soc ney I* Wted wn -mm your depw. WON W. at COW r to UM My' we material VOW MT*r, Red VON, will CO: IlCehe VMCheck bWk Vin your *MOM 1lrtwom. Yceriw"Is on is W. Iaed by -.I* Ma oil -.be cWt. Lw rey red utint and eecnonkal? Cosa nr.o tied IaYmer? 9-Bardelrptoy. YLroI M el:r.MO :o oankup=4,y prcer.Ers'a VowMC=w. as COrMYMCr.IMI IN on L' 101'M rrbMl purilom.1: N am M CanplC .0 COML., 2"4,N of Mtom a delic or Nan. M IOC SMM My PWMN's 0" M Me wtWlt o"ing snit you battle pry wo6My or-IM Dom kWcy Car..r you was: w Crew. us atio :VONr MMME orvour MomP%Y le cc plus nweyou r a-_OK" OW.W. M "aLLWO Re31I' M •SUMI(ARY is Cade Of C1I001 Of CIMaJOM Mole YON r GIN) rVON Tot you bale won of r you need r wm Mtfflo" on a JMNUJOI orm Wda :0 U re a SeprrO were. r sore r pglsaa a::he ewes/ artwqumM sham on a4,'sere. O'dl s &,AVr*r- KM rtN: IWW ToM wu n0ICe1:IM 60 Myna awe we SN: you le -N-. bill on whH ]I4, offer Or pMOrln "Posted. YOU eM CON Our Cwtorm Amal a fillnw or SOJY 1s by oral orWalwte• eft 40w9 W will dlr. PMATIO VOW rlprs.lo Yost !'MBMMa9wow" ortirm tvetnameale rear. Iamber. the 60ow SMKW. or tie all"wed Omer, a deMY*An or a4, moraed an uTdoi[loe,I- pxsft*. r YAW VW beMVO wM It M effbp M r Lail need n70M IrbrrlrMN, a 6euti: na we terlyea an Mian at101t. You to 4,r Nor :O FAY Say enwwt in Wallop whM we M Mwwwag G be-. "12* rM ObgrN-.0 pay 1111 phew of VOW Mat Ira 1W. IN It oes:bn Yana we NaN:gre you gMrbn, lM Conn rWr. YW OR deNgaert or WO rv a.lre :o eowr. 110 MOM a: you iinutor. • 5pMIM Wle for Cndt Can PIrt MM rya haw a problem w6a:114, quMV r poprV Mser&@e :nr. you prclva6 ict11 a CM r era sedyou hwe7M0 1190011 fern w Coffw tie P~ wa a4, rare law you nay hare:M rill w...0 p sy1M MmeaMg wvark der a a4, protMrv or Stratell. You nm:m P OW.10e Owy'wton a4, prN:Mle prCe well ride anal U0.00 Red tie ptrclMe Was nacre In your home rro awa0 100 mesa or year na/19 do MM_(r we PAM oroprwolw mwher orrwe rush yW tie rler"Mer. was Popery or Semi., aPerc eon M ow"M rNgaxam r avow aloeMon d ronose.i Pl add WM*nWMagoaeaU401W Me. • Lbws nxepgty o b11d v rd acmes C20at'71M at Kam Morrwitil plrWy pnwctlre:NN ONr welste a wwwxIpraim.com C"M -31! a a seaway lpawMd [@Me@ rely O' OWal'1N nunew corpowbn At Mom MsMrea.':.2we capmorM -c.0e 0101,16156.1.03'U"O Changing Address? Not quite ready to make payments online? Address ........ .... .......... ......................................_............... .......... No problem. follow these simple steps to make sure ............................................................ Home Phone ........ ......... ........ ...._.._......_...... ............................. we process your payments smoothly: • Don t staple or paper clip your check to the payment slip. Alternate Phone ............. ........................ .......... .... ....... _.... E-mail Address ................ ................... .._.........._..................._............_.... I,. _ Be sure to use the payment envelope that came with your • statement. Using d different envelope could delay processing. • Please don't include any additional correspondence- • Last but not least, be sure to write your 16-digit account Please, pr n7 at(Pess Or ohoac numhe• dLUlges doom t.sl"y bloc or blix< ink. number on your check. JOSEPH P RUANE '133 WESTGATE DR MOUNT HOLLY SPRINGS, PA 17o65-2o1o Dare Use by r'ebrXry 24 2009 Parr, the orderof JOSEPH P RUANE VOID Richmond, VA Memo Wrchese Check Sigialure 1n4YO 12763 fig-/2 fuj 2960 41059-1. Donors III 1276311, 1: 2560727011:75 100 10 294 3 5 20 just write a Capital One' DearJOSEPH P RUANE, k! Ch h You have things to do. And now you have an easy, convenient financial tool to help ec Purc ase you get them done-Capital one Purchase Checks. Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction feel things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially ha ndy when credit ca rds aren't accepted. 40 Use these checks with confidence. You'll never pay a transaction Nu when you use these checks for cash ar purchases. And, thanks to $o Fraud Liability. you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself to a night out Consolidate your bills Get cash for things you want and need You've got things to do...get them done with these Purchase Checks! Thank you for your time, P. Taylor Jamison Directot of Accoun% _ 0 P.S. You can use Purchase Checks just about anywhere! Please Temem ber to use them by February 28, 2009. Want to transfer a balance now? Call 1-800-955-7070 or go online to https://transferbalances.capitalone.com/offers. JOSEPH P RUANE 199 %VESTGATE DR MOUNT HOLLY SPRINGS, PA 17o65.2010 Pay to the orderal Please see the reverse for important information about using these checks. IiuGo Date f15t try Feb: ua+yA, 2009 VOID 20052 12764 Gb-727012560 410SVI- Davao Armhase coed C1 Rchmmd, VA Memo Signature III I276411, 1:2560727011:7 5 100 10 294 3 5 2Re X A S in R a C G G? O C? w R 0 Got questions? We've got answers a T z -n -n 0 n 7 T G Z T p. T q m a s z i z o ? Sw 2 ? T = -? P ?{ n r y O Z y T r } Y m Q: Is there a transaction fee for using the allow you to borrow on this account Your available endosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your q What can I use these checks for? Capital One account. A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out or just Q' What APR will apply when I use these checks? want to have cash on hared. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card. and bans (except Capital One accounts). It's really pretty straightforward. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use ahem at placos that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. txamples of reasons we may not process your request include. your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported lostistolen. our fraud system prevents the offer fulfillment, or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mail ed the offer. All other terms and conditions for your account remain in full force and effect If you have in authorised user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks. 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer nghts to dispute merchant trarrsactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 7) May not quay fy for reward programs. 3) are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line 4) May not be processed or may be processed at a h gher default rate if your account is not current (i.e. restricted, past dve or in collections) at the time a check is processed 5) will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account rs not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) qualdy as using your account 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital one, N A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) Ware) returned vnpad 50 fraud liability daims are subject to venficaGon and irwestigauon rr?h . n- r X 8 CA-- -'al r^ ,•,Ielal Crc n a '• c.Cral r;q c{c e•J urn ;^ a a'a Al c x R x C G? O i' I c$ S I W A A 0 a D nz `0 0 a? G T 7 i T ? n ?m T ? 2 O ? w -r P I r `y o L ? C N :n rz m T pZ O D AT S T rn T 7 MNOS Account Alerts Eliminate the guesswork Stay in the know-sign up for credit card account alerts! You can receive email or text messages to keep you up to date on your account-24/7. Wane to kc:p a close eyo on your account lhis holiday shopp'ny season? Sign up for creed card account ale,ts and yo., ca-) receive customiwe information about your accou^t through ema'l or text messages. Want to know when a payment nas go^c thro,.gh7 No proolem. choose to rccervc an alert when the payrren: posts! V%falchi"g y(3..r ?4)endi"g7 Se- I.l: ar r:lerl 11-ta: Iplls you r•Jhpnever a purchase has boc•. nado that exccods a limit you set l:'s also easy to se: uo..ust visit capitalone.eom and sign up for Online Barking. Under the "Messag ng & Alerts" taa, cl c< on "Set Alerts " From there, you can choose what aler:s you wa^t to receive and decide how you wart to get them. Still not sure aboat Online Bankirg7 You can check your ba arce, pay your bill, view stater-rents, and rrake change., ') yYn.r aecoun: a-y limp you like. VVP take your or•lir•p seeurily wry seriously. 1-ors w•fly wi' use '28 bit 55_ :vtcryotion 11110ugho it o..r silo. And, as an a0d0d Lomlorl, you always have SO rauc L'aoi ity. 0-,cc yo..'re signed up, account ale,ts are a gecat way .a make su•e your card is,YI being used without your knowledge Bet.cr control 'eare of mind. C.,,storri7atron..Account alerts are a convenient, easy way for yo!, to rnariage your acc.mini and keep Ir c < o' ,,pending. Log in lodey :o set up the Awls you nepd it) n'k)nage your a1L(.0.jn1 No way you want. All 14 hra.xl L ahi't., clairrs arc, subject 7f7 i•wc,s:ig4ft;r• arr. YfY tu:aa::n. It's Simple! • Just visit capitalone.com and sign up for Online Banking • Under the "Messaging & Alerts" tab, click on "Set Alerts" R • Choose the alerts you'd like to receive and decide how you want to get them 100fe75 49 Why wait? Sign up now! capitalone.com J Q ? O • Spread too thin Paying bills takes a lot of time. writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital C1ne:i balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-800-955-7070. FINANCE Previous Balance Payments& Credits CHARGE $17,447.93 - I $175.50 + $0.00 + Dec. 23, 2008 - Jan. 21, 2009 Page 1 of 1 MasterCard Platinum Account 5178-0572•7921.f861 Your Accountlntomnation REtAfARGS- TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREOIT $10.120.819 CREDIT LINE FOR CASH $16,000.00 AVAILABLE CREDIT rOR CASH $10,120.80 Finance Charges (Mose sm rorw forinpormc infornodoni Belateere:e Plerb& Garesporkirrq FINANCE applied n I= Apr, CHARGE flncltacos VELV6.57 0.00000% 0.OD% $0.00 Cach $132 0.05795% D 21.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 0.00% At YourSOrvkc-Co:ox MAIWAsbnsmm»mryetnrsooorr. a Cal 1400.953)70:o reps o es: or span card rspel.:o Omomr Readers 0 Pay On In r.. ; mawaase.cos or molvr psymor..o• Cs+ppal One Brd. IUSM. ILA. - P.O. Box 11RT1- Ckarkxx. I IC 2 3T-2 10 Send Inqulrre to: Ca" Oar P.O.Bw 372886 - Sat Late CL- ur AM P% &ft Marms your Rewards online by vicbing r C? 1-BIU•2?13M1 Hoe a question about a dlaW an your stelo sent? Nano rekr .o .be [Mlinq rtti:c Surtary on is W of ;roar s-.cenen: or rise Awor MIsIone conidi%py-_ SOD258 Transactions New Balance Mlnlmum Payment Due Date $2,597.68 = $19,870.11 $198.00 Feb. 16, 2009 Rewards Summary N.MV W Al 11:.:1 1W< ..\NF. TYeAvx avalobk, babnee: 13.976 Camed 1-a period: 550 (wasn't :raasarle; pos,el Maim -hi% bNlti CQCe1 Available Bob ice: 16.5; Payments, Credits & Adjustments 1 is !'FL rr?rL1Dr $175.50. Transactions 29 DEC Anaaos con AR1ZNfGCt4illll 1. t $1.000a. 15 JAI r.QLKlVRCOLL61CH CTR CARLISLE P 355 Ct 16 P1I Si IC-R.-brssnP.c s[rt wx SI I1171PE sBURG RA 520610 PLEASE RETURN PORTION BELOW WITH PAYPAENr OR LAG ON TO WWW.CAPITALONE.COPA TO RAKE YOUR PAYPAE PR ONLINE. 1 5178057279228881 21 0000000175500198000 emu' Account Number 5178-0572-7922-8881 Due Date New Balance Minimum Payment Amount Enclosed Feb, 16, 2009 $19,870.11 $198.00 , PLEASE PAY AT LEAST TINSAMOUNT #9002255181688523# JOSEPH P RUANE 333 YES TGA TE DR MOUNT HOLLY SPRINGS, PA 31OL5-2010 'III'111111111111IIL11.IL1IIIIIIIIIIII1111.IIIII.LIL.i1.111J Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 0) Pay nn:ivo a-yt mr? o n-nrr chocks, stamps or ca.-.ter. © MQ%4011 ChA'KAP Yriur Gdd(ess P.Minr as tree hark ® 1101) Save the plvel 6o papt+less 0S,gn1,P,I0nvw.wpitalM'eM11 Capital One Bank (USA), N.A. P.O. Box 73083 Charlotte, NC 28272-1083 IIII III-IIL1NIIHI-III III I.-IIIIII-Ihl-lll-11-- dhhhll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. _ 7 _ Transferring balances is easy. Here's how: t. Grab copies of your other credit card or loan statements. z. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them otf. 3. or, if you don't have Checks, call us at 1-800-953.7070 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! m> 1. I lows, AmoM a rlnanoo charge. oJows Pedoo. You xis have a nhltwn gate P e"d cr 26 oat's WnOLC YNNkt cMrge on NOW prCMU46.ner balance:iretrs, MW aPecft putMses no Two oaer charged [-You payyaro.NY9eye CNMCe".In Accordance xth et rlimalc NO:te for psyr•arts MeiY,Rod a "for t b M Ceded by your py'rerr dU• ra. 'here k ed gate p•rDd N Cash Ritualist and specwTm 'es.ls fedtkM, 7Me is to grace perbd our My-.rMSM.MR r yodi 00 W. Fey I* :oral 11"9C calSr*.' o-AVMMg raroo charge. TMBWIau Which Of W r bjer.:o a gate putted ae assumed unsnce cMrge 1, 'mm YM dace 017w msmlzn a rj •1014 ae drt Te :Mnoat:bn s plotente a VW AeCOw. Of 7'1011 :M •lur engender any ale canoe. U" pef0d.AOMMIUM4', I you CIO No: Pay I* -New Dower Van -M purmed, bllery perlo0 11 tM'Mdee dt"M OM MO -.0 WUW :O vow Un" wmwg nrrn sapaa bNra 11 pall IN •9L7Ms r "o 724[ You 11y RE! Ow IM" chaps, eve r}On Pay 7M ere env Dabnte bring M:be 'ors o-you rrrer•rN: by -.W py'rua: dal edge. for. dal no. do 50'r-.* preYlot rroa•A. UsPON chart CMng46 areaaded:o7ie OW I-1ee a g•wr awed AtcaM:. c. Omranw roam dredge. raeadi Ming perba.ar yoraccow is NMM. V a YOaree carpe. a r01h'nn :aaerlUe= C1 Vmw or Co so WMM ripaed. d-Terep my Rwu~ M roree Chrgaa. &* reserve :M W. V W. mum arty or ON kwo thagft or any epben Doing peeled. 2. AMlrX ONr Oa1MOe lnoudi rJ Nate Pia01MNJ. rudome cMhJe is takula:ed by r9atglytrg :M dally caarY a- esc? tegrvm O'}oaraeourc (e.g. cash aoiree, p wbm. tpaNacr*WK was"" rows- Sej U :be corespoaahy dry periodic ra".I Sr has beet perloMly dice/car 7*Va.A:7e 0011 o' each May 4W" .he big Pedal. We DP1p1y7M Wt' Periodic ON 'Or earth see rider. 0• you r aeOMt a7M try b ad dce r each seerer. -ale r :M eras a at W6ns 0011101. 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RE Pled an stouts ya aide it a :M socoom eyed 1 WV 'It MrJN 11:01 v0arsc000rt k elided OF Neap our T.IMMwd PERnWUa P2Fria ro'e'a nr:O Uri WMM cis a e 4 :o yaf aeONt r C 710 bom"t day is lacore t. Inrblte (I)y01 80,1101' M bran porn a-Ah r.rerea and YOarcheek In ?0 "ORION RMINU a "Yebpe aid M Your py'ner Is 106e110'ed M OurP10MA" MM by 3Dn C its Ma PA. P11ada tad r ear 914(Q lathers die's for peal dd'NelY. PMYxa2 WCOWN W Um s. ari allr Dca:Dn a M ry Odrer Wn rot' Nt be CMeMd an or 7e dW x10 eetkt 7109. •3ef butt Med days we Monday :n10MI1 SrU100i. sonde hosfays. Home Phone ............. .......... ...................................... _.................... ..... Alternate Phone ........ ............... ............._............................_. E-mail Address ..._ ............._.................._.........._..._......_..._. Please pr rc acd,css or 3hdnc numbe•diangcs aowe usi-y bluca bloc( ink. 6.Ndke About Cledror0o Check ConYUabl. 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Co20DO CIP1191 Cult -Coe 0101119096.1 - 03.'26/De Not quite ready to make payments online? No problem, Fallow these simple steps to make sure we process your payments smoothly: • Don t staple or paper clip your check Lo Lhe payment hhp. • Be sure to use the payment envelope that came with your statement. Using d different envelope could delay processing. -0 • Nease don't include any additional correspondence. 0 • Last but nat least. be wle to write your 16-digit account number on your check. JOSEPH P RUANE '133 WESTGATE DR MOUNT HOLLY SPRINGS. PA17o6S•2oao Dote Use by ,March 31.2009 Poy to the ardee de,ol JOSEPH P RUANE VOID ) nOW '12765 fib-/2/u; 256a 4-1059-1- 000(5 cmi;" E. Rtrhmand, VA Memo farchese Check Sig?atura 11112765112 [:2 560 7 270 31:?5 100 10 294 3 5 20' just write a Capital One" DearJOSEPH P RUANE, k! h Ch You have things to do. And now you have an easy, convenient financial tool to help • ec ase Purc you get them done-Capital One Purchase Checks. Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction feel things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal. check. They re especially handy when credit cards aren't accepted. 40 Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash us purchases. And, thanks to $A Fraud Liability, you won't paya cent if your checks are used Tackte home projects without your authorization. sere time and money. Buy a gift for that use your Purchase Checks to transfer higher-interest rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself to a night out Consolidate your bills Get cash for things you want and need You've got things to do-gel them done with these Purchase Cheas! Thank you for your time, P. Taylor Jamison Director of Accounts o P.S. You can use Purchase Checks just about anywhere! Please remember to use them by March A 2009. Want to transfer a balance now? Call 1-800-955-7070 or go online to bttps://triTmferbelances.capite[one.comlafjers. JOSEPH P RUANE 139 WESTGATE DR MOUNT HOLLY SPRINGS. PA ga65-2oio Pay to 6e 0•dcr of Please see the reverse for important information obout using these checks. 110%) 703552 '12766 Dais E8-7270.1256o rise by March 3r, 2eoy 4w5q-'i. VOID DaDars C . Richmond, VA Memo PirrAese [heck Signature 11'1276611' 1:256072?011:75i00102ci43520' z T rr r? a c G O 2 C` N R n 0 Got questions? We've got answers a T o a z z N O -n O ? n T n = O N T A it s T is z o ' ? N 2 O 2 rl r ? g 2 y _ S :: N ,I r .z M Q: Is there a transaction lee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line menus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: what can I use these checks for? Capital One account. A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out or lust Q: What APR will apply when I use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card, and loans (except Capital One accounts), It's really pretty straightforward. Q: where are these checks accepted? Q. What Is the difference between my "credit line" and n: These checks are accepted wherever you would use your my "available credit"? personal checks. you can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, changed-off, or closed; you have filed for bankruptcy, your card has been reported losVstolen, our feud system prevents the offer fulfillment, or a term of your account relevant to the offer, such as credit line. APR, or special transfer rate, has changed since we marled the offer. All other terms and conditions for your account remain in full force and effect If you have in authorved user on your account the atuthori7ed user cannot request a transfer or use any checks. Purchase Checks. 1) Are treated as purchases according to the terms and amendments of your Customer Agreement, however, when you use o Purchase Check, you will have fewer right,- to dispute merchant transactions than you have for purchases you make with your Bard. Please review the Billing Rights Summary on the back of your periodic statement for more information. J) May not quall fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line 4) May not be processed or may be processed at a higher default rate if your account es not current (i.e• restncted, past due or in collections) at the time a check is processed 5) will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not Current os stated. 6) Cannot be used as a payment on any Capital one account. 7) Qualify as using your account 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital one, N A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) Mare) returned unpaid Sp fraud liabrlily darms are subject to venficalion and inveyLgdbon <9i 9 Ca; :,al r•c rpd.•.I rC n, d'C(.Cr+l y r^4 :IC'C•l r_ ra'a At r}91 , nra•_.. c x s Y. R 4r 2 Q. 1 C O rt I vSi X P 0 ? O T Z D T ?m T p 2 > 7 Fj O A Y O O 1 r -1 -1 cw :n r? r z P T Z O fA T x T a T GROWING ¦ WORTHY. BANKING. With one of the best savings rates among the top national banks, you can trust that your money will work for you. Visit wwvAcapitalonedirectcont Please use Ofkr Cade D1Fg4PNDF Direct Banking • Please see reverse for importart disclosures, Previous Bsiama Payments S Credits $19,870.11 . - ' $200.00 + ! Jan. 22, 2009 - Feb. 21, 2009 MasterCard Platinum Account 517805T14ga2.mi Your Account Intonltatlon TOTAL CREDIT LINE TOTAL AVAILABLE CREDIT CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH Page 1 of 1 REWARDS' 590,000.00 $B,260.62 $15,000.00 $8,290.62 Firlance Charges fmascsm re+xim fortypormr: inlornaJoni Balance we rerb$ Corresponding FINANCE applied m Tar APR CHARGE ruchaws 520.557.00 MOE10% 0.64076 10.00 Cooh S'0D0 0.0579675 D 21.154 X.00 ANNUAL PERCENTAGE RATE applied this period 0.00% At Yosr SaRICe - Co :oxrg.cninlonamm n muslin -Pr sooosrn or C+R 1-WQ55:fU70:o npa: a at:a tvlsn cad a tae. a (Lcomr Pakcbes d(ft Pay online r. my.009611mexom or msevarp:; mer:o: SZ?20ee8ed. WSA). ILA.- P.O.Brx 71183 • Ckab,e. I IC to Saul blgWetes to: Crpw Osr P.o_B= 302886 • Sat I"Ctr. LR 84130.0286 Manage your Rewards online b{ vkiing a Cot i 22=2 i Have a question abed a dlarge on yoltt slalenrent? rtcaw rMe1:o -.k D" rigk:c Srmary onto back of'row rcenem a risk xwx_mialorn conidisou:es /ONLINE SAVINGS ACCOUNT 33C272 % Annual Percentage 3¦ (A IPY) on balances of $10,000 or more* MUM ER FDIC Transaetiora New Balance Mirwnunt Payment Due Date $2,070.27 $21,740.38 $217,00 Mar. 18, 2009 .ra. Yi.tM rJ:f fd IIF:IHt era:\xri Rewards Summary rrevioud w.-Jobk babece: 16.5+4 Earned Ak period: 271 imlien anw.bes potsd dukg ddt ulny cuaj Xwfable Balance: 16.0:5 Payments, Credits & Adjustments 1 12 To r-Im.4114- M.00. Transactions 2G JA11 WEHOYS ili 171^.5 CARL6LE r. r G 13.52 !!vd EN-ERMI;E UNT-P. C.% UkRILISLE rn ru56; j CIRT Tc RUAI-C h)SC REI -40:0724090 N 10:717,25111--1195 RE-Weill: C1!T,t u - CArd ISLE U1_,. C 13 To ruria ASE Cl ECK 12"165178276'0 $1.800fd PLEASE RETU(01 PORTION BELOW WITH PAYMENT OR LOG 018 TO WWWCAPITALOHE.CO1A TO MAKE YOUR PAYMENT ONLINE. FINANCE CHARGE $0.00 + 1 5178057279228881 21 0000000200000217007 Account Number. 5178-0572-7922-8881 Due Date New Balance Minimum Payment Amount Enclosed Mar. 18, 2009 $21,740.38 $217.00 PLEASE PAY Al LEAST THI5AMOUNT 890053551816885288( JOSEPH P RUANE 333 WES TGA TE ?R NOUN7 HOLLY SPRINGS, PA 17065-2010 IILI??I?LIL111?1tII1t?IlIL11r?lltrtllLlrriliil111tt?tLitlifllfl?r Lend a hand. Save the land. NWnage your account online today- iYs fast, easy and stature. III) Pay onlno a,kt mw--no Prom checks, stamps or cn.:ter, {a WO ingl Cha Kj P, ywr zddrecs rnlinP a, r¦t flip. hark ® IIelp save the plv+el Cwpoperless O 5r9r LP at 'emV..W Dila ore ram Capital Ono Bank (USA), N-A- P.O. Bax 73083 Charlotte, NC 28272-10a3 nlllllrlllr?nhirh?illllllrrlllllrrllrlrlllrlirrllldldrlul Please -rake checks payable to capital One Bark (USA), N.A_ and mail with this coupon in the on dosed envelope. ings Nigh Yield r Direct Banking Money MArkM Rewards M Business d? MOnCy MArket MOnPy MarLP1 CDS Open your Online Savings Account at www.capitalonedirect.com Please use offer Code DJFQ4PNDF Capital One" Direct Banking-banking that delivers. •AS u° 1 r2.1,W, if the dalir balance of flit moneir market account was $10,000 of mode, the APY was 3.00%; if luds fun S10,000, Ore APY :vas 1,50%. pfni num initial deposit amolrlt is 51. Terns and cmdnfons of this offer play change at any time. Pates are Variahle and may MEIMER (tangs at arty rim. Ne tholyMak Ly onli^e hmsfPl a1P ilnkted it, six pan ealencar morph. T•is procutl is ofiwac by Capital 0^e frank {uSAI, R.R., and (epltal One. N A. memt-rs F3K K° 7CO9 Cap rat One (ep tal One lsa We-sly regls:e• tl service rrrar< An r g% retwaed m: t. 1 IOW 10 Mid a Homo! Chage. 0.431W PenoL You this owe • r•rrr'rn ome pence o' 25 Oyd wto01e -IMMe CROW M nee P A M eS.rxA' Ewenm mrsivis. nwwm Mitcham amrwx oAer dlwgee rym fay V erc&I-Mew CWnce".n a cONjmW, Wth ax VVOrMM NOx'e}w rayrWES Eehm'"is Y -.NWNor t :0 se Credited by your payflerr. 0U! date. -here t no grace Period On cash SOVO Mt wad SreclM7aas'et.la sadDOn, .Ixa is no grace period ode wly:rMMW.lm r you 61 M: pay:lx:dral "Mew Cslence." b_Aommg --Charge. Ta"ac:bnm VJ*h 8610 NO. su bjec to • grace Pwlod aR Madeste 1111"0 CMnJe tt 'urn ye aa! Otyt Alaatbn or IIt'on yre Osre ye :rarsae:Dn Is ryoeeMeO a }'osr Atco1M== ye I. caarteardy aye mns: burp Fbuy, r you dad ad: in"."neew Demsew O em" FORM" ul"lJ period M -111,'026CO thM)42 CMXW :0 Weill :0 vow'1 s"%1lsladcesra3wIWM1 Mane IN Pao a Rat This r'e9M :ha VON MY 5:0 OW law" Changes, even ry os pay 310 env" NIA' DoOMO NW LYCed m yt -Wet o•yourrrerap: y ye psirier dde re,br dad no: do SO'or:he Pwvbas rwmy. 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Worried (1) you dead :M boon pW:Mi W ya smc"M and •rosrowk n"w101Med IRrltmnde own" "a (II) 'FOwp86Tter t 1001001 IN owDMClalbg C"WW 3pn C- (12 soon Ply PbUO Mae t IIW'kf (rg kMk Ml Oa%s for Postal dewere. PgTless:s weeded IN its V. any vJer beabn W IN any OyertrM VW W be cadted M rye da? was weeln Vert -3mr business owi dew Rblday :h 100911 Lrudr?, exclude hoamlls. Please pi it aed-ss or phone nunnW, d mges adore hsi^y blu.^ or bbcc ink. 6. Notice About DQC"MO CMCk CofPAmbe. Y.TeR you Winds, a civet as Minrri. yon "lone" ~,.o use Worra:Dll •10n your elder :0 Hare a oil-" !femme •ra 7anr"w'pn yqr is"ost aMW 1: or -.0 MbeMe :be MT" an a Acct AracJ¢f: xlxa We KV atnTrlM'ntn wemr cheek :o rute se ~Rxne Ind :MLYr,'nnOS MV se xt ONOWN'lOM your dePW WWI Or as soon a[-1*swx toy -jet moeft}roar rRiM r. add you our no: lee" your Clock back -Mn your wresCar IlrtLKIN.YOK WrAortmon Is IM witea by-.he dam M -.he Coed. Y.m ray' revslbnt we el'C' muw10 COfc era add Pq'rxrL 9.DaeMUpley. I- VON ale en:tlee O bMkNFCV prlret.I)M'Of vow wcoal:,:11\ corwiuatrlOn a Ohs' trkmOrr mlmw impones. F. is M an KW VC -a ~ Mumt of atom a deb: or tIMIM DO 20r.OeMMVPI*TIMNdNKIO :000 'Aden a{IIMIMJ'Irdl VDIR brMmPay a?Mky W:Ix omb tty CMr..r YEu wad: a conic M eboryrolr secow.. or"x IunKMP'9y rumewi lsg. Fable rweyou r s7oeev COMOV. IL -11ILLId•3 RF Mint SUMMARY is Caw it Cana or f3umieM MOU Your qlt i-yon lot your boll Won of IF you reed now btrtwrbn on ¦ AslKba or blL w1m -.0 M M • s PIRIKO 51104: M 9000 as pinisdoes::MadOKa'orlnrM aw9brwn ON -At 10ft 0' 11111 step ff-.. VM r m-. Mar inn you no Irer:Mn 60 days ahr wa see. you ye -w: be ON writk:ht anon orpwden SWANN. YOU can cad der CNCWW RMMM F10nW Or Perry US by er'al or WHate. act doksJ 20-AS no. PM MO you rge5.15 yomr b-" gar M'Ae tMOwMg btlrMlO[ Vou1 Mew" ON Woods r 0 W0W dhe 000 w'bur. aye asapc:dd am. a descryl:trh as ye error and m apaeatlon.P psoma. o' my won beMve yew IN ad am or r you need raw btrnrlM, a deseWyn of ye tenyou ale uplw Mar. YOU do W, eve -.0 pay my art0re: In guislos weld we sm MWSV-Ag I:.bg-. Vol ant rA obyrte :o py :M Pura OrVMDM yr Me W. b galrmL K'Me we vNK:Igre van 40MM ae Mina Few.. %om M MbxPlec or-me am' 2,10" -.0 cook-. ye 6nwr.Vou giK:bm - Speds! RUIeNor Coot Cast PMMIMOS "m New a tuna n *-.%:M tyuay W pluirmy W aom&u :hr you p@IC MK wTJh a Cast curd Md you hwe 31ed a good path a cove:" P1OMn why U remhM-.,VCU ny NM ya rapt no.:o pry dhe MUMbg anon true m ye PmPa?' or cenke9. You haw d'It Pr?ru:brr WY'alm y" pwrcM9e Fttt was now van ta0.00 no yr Pllcaate teas ride I n)= sera rime W wnm too raid/ W yromrrnaddg adllesg_il"we awn W olms a its rxrcMm; orrwe nail you ye adversMeac. Rye PIOW.V' W gelvlen adpumhMn OR emem" re imeness or w Mar orbes" d (urea"!. i PI MO tememoar a sign is Colmar"""". - L17at xii NMY 0 Mlle ,Y ii B,•calims Cardal •3M upon lotrrabn rk Wry r msC:an: Me ow wehste a wintcsirslom?ca't CWMI Jde Is A motalr agtewd games rwM 0• CRPhM and rlMntW CO"eal n. N RP% aOMed.':r2006 CWOIOrx -Caw 010k*O%-1 -03#6)06 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don t staple or paper clip your check Lo Lhe payment slip. • Be sure to use the payment envelope that came with your statement. Usury d different envelope could delay proc'essrrry. • "ease don't include any additional correspondence. • Last but not least, be sure t0 %wite your 1 fi-digit account number on your check. JOSEPH P RUANE i33 WESTGATE OR MOUNT HOLLY SPRINGS. PA 17.65-2o-Lo Dote UsebyApril 3o,song Payro the JOSEPH P RUANE VOID nrdtr oJ` $` `???? Prrrch•sr Checlr C.Ia+!SVttb' For Inquiries call 1-800-955-7070 RiChmond. VA Memo Sig-ralure 009ors 0I 2767111 1:2 560 7 2 70 11:7 5 100 10 294 3 5 21• just write a Capital One' DearJOSEPH P MANE, k! Ch h You have things to do. And now you have an easy, convenient financial tool to help ec • Purc ase you get them done-Capital One Purchase Checks. Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction feel things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. 40 Use these checks with confidence. You'll never pay a Uansaction fee when you use these checks fur cash or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Bury a gift for that Use your Purchase Checks to transfer higher-interest rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself to a night out Consolidate your bills Get cash for things you want and need You've got things to do...get them done with these Purchase Checks! Thank you for your time, 9 '660, %0* P. Taylor Jamison r f A n Di s 1 cw recto ccou o t " P.S. You can use Purchase Checks just about anywhere! Please Temem beT to use them by April 30, 2oog. Want to transfer a balance now? Calf 2-000-955- 7070 or go online to hops.-Il&o rsfer6elances.capitalone.com/offers. JOSEPH P RUANE 133 WESTGATE DR MOUNT HOLLY SPRINGS. PA go65.2mo Pay to the order of Please see the reverse for important information about using these checks. 11059 2013552 12768 hole 15B-727012560 gao5q-ot rltit by Apritgo, -7009 VOID s ooPars ftVhefe check C y?`^ For inquiries cat; f-MUU-955-/U/U Rkhmoad, VA NIMmo Signa[Pre XV's? 12767 (18-/21U 12560 gao59-0'i 11'1276811' 1:256072?011:751001029435211' i z rT R ri b c G O x t? w R p n n Got questions? We've got answers a m M0 a To 0 A n ir [ T n+ q y S o !* m a A y m Z 'L T. ? o ? ? w 2 O p n zi 0 2 _ s `n N a z m Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks7 credit is your credit line minus your balance, if any, A: Nopc. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account, A: You can use them for almost anything-whether you're shopping for new clothes, enjoying rmeals out or lust Q: What APR will apply when I use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card, and bans (except Capital One accounts), It's really pretty straightforward. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. It so, we will notify you. txamples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported losystolen, our fraud system prevents the offer fulfillment, or a term of your account relevant to the offer, such as credit line. APR, or special transfer rate, has changed since we marled the offer. All other terms and conditions for your account remain in full force and effect If you have an authorved user on your account, the outhori7ed user cannot request a transfer or use any checks. Purchase checks. t) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant tlansactions thin you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. J) May not qualr fy for reevard programs. 3) Are subject to your credit avarlabrlity on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line 4) May not be processed or may be processed at a higher default rite if your account is not current (i.e. restricted, past due or in collections) at the time a check 15 processed 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current os stated. 6) Cannot be used as a payment on any Capital one account. 7) Qualify as using your account 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital one, N A., which has sufficient funds to cover the amount of the check(s) rn the event the check(s) Ware) retvrned unpaid SO fraud liability claims are subbed to verification and investigation iDi 5 Ca; :?I 'IAlrl L;.c n '...rrrl y r^n sic [J G.I • ryv ;..7r•. _.. 4 c x s R ur x ki s 0 x x z x P n G 0 7 q ?r = `4 0 -C :6 T T J N T ~1 2 r Z 0 O aN 1 p O Q ? L ? cw T? sz n n+ Z O D N A x m D T TRUST, .1 wo! RTHY RESULTS. ONLINE 0 SAVINGS ACCOUNT BANKING. DI The Capital Or*' Online Savings Account offers worthy returns among the best in the nation for savings accounts. Your money starts to grow when you open your account. Arid, you can trust everything is safe with top online security standards and FDIC insurancc>. Dear JOSEPH P RUANE, 7(xih/ 1 0 ?%RX 630uu on balances of 510,000 or more When it comc% to your finances, confidence can be worth a lot to you. Open a Capital One Online Savings Account and be confident you're getting one of the best savings rates among the top rational banks. You'll be surprised how fast your savings grows right along with your trust. And since it's online, you can open it on your time. Plus, the Capital One Online Savings Account is convenient, always accessible and protected by online security standards. You'll enjoy: • 3.00% APY on balances of 510,000 or rwe* • Easy online transfers • No fees • FDIC deposit insurance increased to 5250,000 through December 31, 2009 If you need help, our Direct Banking Experts arc just a phone call away. We're here for you. Capital One Direct Banking. Trust. Worthy. Banking. Sincerely, O'IeT/ Matthew T Jordan General Manager, Direct Banking -Mease see back of letter for, iiVo•tant disclosures ONLINE SAVINGS ACCOUNT One of the best savings rates in the nation Money Market National Avg. 0.87"/0 APY"' Oribrw Savuxjti /k coun' APY ha%Rl o xi baiarces of S10,000 or more. -So.iice: intorina ReW,ch Sav'cs, Inc. 200627 To get banking that delivers, open an account at www.capitalonedirect.com Please use Offer Code DJRG66SDF - /_ Direct banking Direct o.M rkirt Morr rieurH? s 14 Rewards Money Mrtet 0 Busimess MonettMaloet CDS Capital One 3.00% APY on balances of 510,000 or morel Capit Direct Banking BUILDING TRUST. WORTHY. BANKING. ¦ THE CAPITAL ONE' ' ONLINE SAVINGS ACCOUNT A savings rate among the highest nationwide No fees FDIC insurance Free online access to your money Higher interest means faster growth. This rate towers above many other money market rates-it's one of the highest rates wailabte in a savings account. It means no "two steps forward and one step backward." There are simply no fees to erase any of the interest you're earning with our superior rate. Your money is safe. 5afe and secure- Your account is insured by the FDIC to at least $250,000 per depositor, per institution. This increase is currently approved until December 31, 2009- if you want, you can watch your account online day and night, from anywhere with Internet access. And while you're online, you Can transfer money to and from your other existing bank accounts, up to six Umes a month. Just because this account is online, it doesn't mean it's less Direct Banking Experts human. Our Direct Banking Experts will be there to answer your questions online, or they're just a phone call away. To get banking that delivers, visit Capital One Direct Banking at is www.capitalonedirect.com _.i 'As of 1z24,us, i the daily lwlance of this money market aomurt was S10,000 or more, tic APYwas 3.00 %: if less than $10,000, thpAF wns1.505i.Minimum initial depositamount651.Terms anlcandYtlontaltldsallermay change, at anytime. Rate: ate w1ablearid mav change at 3rr( time '14;i7tdr,nva s by on ine wailer are hmnrd *.o cia Pei cale-dar mauh. "3ata as of 12;23;98, inform& Research Sersices, ine., Calabria; CA, www.inhxmms.com.ldiiogh tine intimation has been obhlned Irom va,as insti:JtlQns, die acc.mcy can^o- be quararreee. This product is offt•ec ay Caoital one kn4 ;J54 IaA A. and Capria One. V A.. memoers FO C c. 2!MM C.awi.rl LArr_ <.>Fr i?l the n a telt?I'aRy re?1HYd 1NV :T frlai:. AI ' gFn+IMSYfYMd. 9911k- .xvu I o Capita! One-" does credit cards-and then some! Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. 7-r MFM aa4 LENDNER ER FINANCE Previous Balance Payments S Credits CHARGE $21,740.38 `- $220.00 $0.00 Feb. 22, 2009 - Mar. 21, 2009 Page 1 of 1 MasterCard Platinum Account 51794WI-7922401 Your Account Information REWARDS- TOTAL CREDIT LINE 530,000.00 TOTAL AVAILABLE CREDIT 56,179.62 CREDIT LINE FOR CASH $16,000.00 AVAILABLE CREDIT rOR CASH $6,17E162 Finance Charges ifgeose sec Foxise forinporaa: inlorno:ioni Baleneers:e r'er-tSe ;onespondkV FINANCE applied z1 rar APR CHARGE I umlYJer =.115011 Q.OODm ODD% $0.00 Cosh SOLO 0.05735'Y, D 21.15% 102. .,ANNUAL PERCENTAGE RATE applied this period: 0.00: M Yow Service - Co:o xxs.caDiabaacore x mxsle hnaraoooas. mad 14OM55u'U-0:o lapor. a es:m snlal cad a glest,:o Qrcoaa Palriona 0 Pay Oner16 a:-nlxoarsMw.wa or meowDacmen::o: Ba 2d2T1-nskiUSAi.ILA.-PO.9:010d1•Cka v.IIC Send loquldes to, Capi-A Orw P.O. Bw 312116• Sat Lfe Ck.e ur 84M M Manage your Rewards online by riding or Cal 1-100-220-3T11 Have a queston abal a charge on your shvlcment7 rk-wmtet:o.kLaV ritIrzSonnaryonAebocko1trolx ra:enen: or mr.. xxx &Mt one conldispy:es what's in your WaNort Transadws New Balance Minimum Payment Due Date t $2,300.00 _ $23,820.38 $238.00 Apr. 15, 2009 Y:ihN H% fil Ilt.?l INS MA:\ea Rewards Summary Prevlouc a:-Joble Inhrice: 16.945 Earned :ht period: 0 i reeeas :naseufias posbl NaiaO iris OiIFq ws;ei A, oiloble Ilabace: 16.945 Payments, Credits & Adjustments 1 16 k1AR r.rcr7JO4- $220.00. Transactions 2 031JAR PMCI AM CI ECK 127,66 1 819M 5750.06 171JPR PUrcIIaSECI1ECK 1, 2'M OMS= s750r1). 101JAR I UrsC IZE CI ECK 1 27601117, r1w .'000.w PLEASE RETURN PORTIOPI BELOW WrTH PAWAEHT OR LOG ON TO WWW.CAPITAL0NE.LOPA TO MAKE YOUR PAYMENT ONLINE. carr"-7x. Account Number. 5178-0572-7922-8887 Due Date New Balance Minimum Payment Amount Enclosed Apr. 15, 2009 $23,820.38 $238.00 PLEASE PAY AT LEAST THISAMOUNT 1 5178057279228881 21 0000000220000238008 #9008155181688529# JOSEPH P RUANE 333 NESTGA TE OR MOUNT HOLLY SPRINGS, PA 37065-2030 I,I.I,I,.It,,q?ILbadl..l6llll,lllnl,?gl.lll.ll.luylll.ll Lend a hand. Save the land. Manage your account online today- It's fast, easy and secure. Pay on:iw. aryt mr -no n-om Owks, stamps or ck.;xr. ® frAOvings Omngr, vow address rnbrw, 0' w th.r, hark PdD sJ.c the plrcl Go aaperloss O Aga cep al rmw. Wpit1!M'0 CP.In Capital One Bank (USA)r N.A- P.O. Box 71083 Charlotte, NC 28272-1883 lllllll.,ll.lif IIllh'Illllll.lllllllrrllrl'lll'llr'llllllll'llll Please rnare cheds payabloto Capital Ono Bank (USA), N.A. and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home, Auto Loans Buy a new or used car, or refinance the one you already have. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bells, 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! Pro&ns and sov,cCS otforcd by tw Capita Ore her r o1 conpan,cs. a,clud rig Capta One Bank i;5A1, V.A. and Cap tal One. N.l.., mombers FDIC. f . •.r:1-„ran:ya:e:r:.,• ; 1 :•1v:.f ._vrsr :.;:pr.;: far. r'yti•+»,., ,.,, ..1l. . ...,r :..v:. .'IY. .. nrro•: m: 1. l lowb.WOlo ¦ rlnance Charge. a4me Peroa You xal have s nknnum onto pence Q. 25 dews x'tkO1C VON" ChMJe a nee rdlkNKm,ne'R btlrCe Anti. newswild KK%M t rd MR oAw ehaged 1'}•00 pry'yroar :o:W'rknr Gaancl',In OMOdS O xen :Ie Ir'Iporarr. Note for pa}rwrs wow, so a "bf t :0 be Created Uy your psynea due aa. -beta t no 912ce perbd 00 call AdvancK and specW:rWm'els.ln addtnd, .IoM is no grace perbd on any:ranSMnn r yW do w. pN' -.I*:O:st '71CR r.00ci." b-Mormrg In aloe Charge. TfKSaic-bas x11kh are W. au bjeC.:o a gem perbd are "easel Mrs castle 11 -MM AC dice dare W. aKdll Of 21 Mon Ae der.! Ae :nheK:bn ls PMemsed a your ACCOUR: Of 3i 'on -.he W. Cg~ day (111:1114, saes: bang Pma_ Aed:bna<, t you and W. rw'rie •Nex amrw"n7M perm" MrAlp Period a *1A. "we Charges corarne :0 weme :o yorUSpaid IIaMKe ar9:M road aura M pstf a 'am7hK Rosa :bed yar mey sin Tarr immt aslges, even I•yom {my 2e true! Hm chance nNbred on Ae Mom o- VON r rrereo: by 7M payrdr. dme dre, bed did n7 d0 so •or-! PMI MS non-. Lmpem Win" O"s are added :OI.M "Ind"! Mg MW 09y01s MCOIr. e. rYSrnunl r"Whon charge. rofeath bmg perbd :hr. }'Our Kroh: M upov. a a,Mane Change, a M in asr :urr"ANCC C1"GC y1.0.90'MmW erpmN. d-TOMPMY Rtdlwlbn M rMMM Charged. Ya! MSewe .are 00, m w. memory or M %ance thargas %r my ghrn bidding peribiL 2. AMEW Orr gManoe lindUdwg NOW PUrhmea). rMante emW M tatUlred by netlgdg:M dam' Whet d Beck selrlm u•youraccoarr. (e.¢. cash tlunee, per. Mwelarfams•et, and tpeeW rmpebmet Uy:M Congo; - Il,p day w1odc nltis) -r ban been PWMW d eMO 701ea.X -.he end Or each day 4 W" .he bang probe. we WW T* nay r erhow ON •remn Set Metric. ohrour accord M 2e army banaKe 7 each corer. -inn r. 7e end a :he ante "Md. ace sad up .Iw ttsars of Amt daily eseom:bran :o auMe r. vow penodc lira change •r Seth tegnes:. We and op :be e6ra Mon Seek tern"-0 "We r Ae :OMPMIOW fnMOe cbanle -ryror aemun:. To gr.:be do* somber -or each MW MS: of your secou:, ace :ekelhe begMmllJ boMM IN each Mg * rd mM ry mx':nfr e-.b M and may pewdb'baet tufgd, tabu a rAd On :be p*vlxX a!'t baMectmr:he segrerr..we-ea SUNMC, 0y Pay"N S MCMds pDS:ad as 7:W day :hs: are aeocaed .0 -.nr mlg'1ls.. TONS lfiren us no sephal dally mossa'r ouch MgMIr:Of yOrKaur_ 11Txeuw.l•ya Paw :he 1,&9 eMMCe hoot on you PWA Ms-a:erdm 0'n e(or I' yrodf NOW bl&Mt MK 2dM r A Geed. sno r.:ynox' :MNMC'JOIT, WIM POC -0 yomr WK*Ke rSWNM purdi a nelrems and mfr added :O :M dark bMnnteL we akW"le are "dally balance sly adding oil -.he alh' MMCea "~Md WO" ]e Sun 1y:M Winter M .he saw in -be clMm bmng cvele.TO CYCMre your-.0-.61 Nuaa settle, rot" your night" amp salvee, ky:he dairy MMM n: rAl by Ae he rder or dnYS If -.10 hale] rlrid0. 0M V MUM" On r Qrp it" ordue:o rahrMM rnsom ante martrlm„ .here Mar' be aYarod" UO-Aeea -M coteM:bh and Ae anat. or Merce t,atge ac'USIV assessed Changing Address? Address...- ..................-..................... Home Phone_ ....................._...... Alternate Phone ....................... _.................................. E-mail Address ...... ............... ......._............................. 3. Annual Percentage Rated MM- a. -he :env -NMW PekerrmM Raj' fly appear" ,WIZ, a Jelm:(rAls saaMM.. b. I'71@ Code P r3Uare9y PIM),L iOUar)Wi 1.1110M. C iouarlfri o4, 015 rJMMlc Plad'J apneom 0"0 •Mm aAm rrerwr. aK:I.O:ke P"mt Thoo"J, -.T* Sir "dic laces mad cona"Ming AMMKI. PCRCCNTh7C RATCS Mar Var.' 9uarW tad Mai 11cMre ordeerrse bKee 09 -.he Sated n1 Ma, K Toted In TieWGV.-.Alt. Jdaaa, PMa 3e MMM pnYDUW 4me1011e41 :0'faL Tsese caangas 7r? W f"eC:FM1 on:hP'ts:Oai r'i arMNIPJ pesos tWlMO Iq..+Olrpewe! sYMN[ M11191n lie MOM-.M dlJKturi.APN. AVV and Oc:00r- c. r-.w coin o "odAY Prue). r itdorlW LIDOM of G i-redatri LCOri filth s rAe*Tom o••irrerened: nbt:0:M 11enOdc naisj,:M nerDdle dom end Corresponding ANNUAL PCrCCNTAOC: rA-CS rte'"Ny rata-Y Sad ray MCW W or deCere linsed on :I* 5.2w anti, m satl In 1hewons7eC. Joarnr• PAN 'be ruPYn PlOVDUM dtebsll I.0 intl. These CM MK xrle driCMe a 7eNr a'i of yar bang Valloa 0Cb Morrn. L. An awmi or LIM. Om" and Returned Paynrol read. under7eI.erm fr'iOras:orwSowerlm, we eSlNl:Ie fNt:O'M6Me Of Or:O Mitts W.- '*M WrhOd: Phor wrlrJon -x you -gt war. x'haMg our rUt :o moess :he a" or sa9Nr des a: a K!r Vw- S.sAermeftlM roe and RrMWIp Your Ao7ou9. I• a rMMbols hip Ye appeals on 11 it rxOrYm. "will ends IT :he 'ere 1'. .OU md11eC .0 dMe ills sCtOUd.wtlW 30 dWS 7 :are rand 7 Als noNrer. YON nab' Corrnae:0 Mr.M amosit dump m 30 Sri tef100 amber yorramials rya do t10: pour M (AMOK 0'Md 011 nd Kam: krh M 90 dI S, rl'rVe mr yarendat Chad r rear a:er•i a WIM: a CMae.mdy MOMOOM hip le DRVIOUIV x'ared Mai be AllnrMd'0 your detour. 6.Ct)Wrg or Suspending YOmf AoODUSt YOU Mgr r"Wer. :IlryCltSCtam be cOSed UF Calling Or W011140 our CIT:Or W ROWJOK DMdr7rer.-A::ke A•Al 7 you M7uec ace x'1111 palvldtY00 •Mth a1d:MW Male ON Closed F sector. -1m nri bode peyretr afbrnrloa ryou am 'iOrCMt Cart Or Chalet riot: a yroreecoun: stx•raD ank at :0 CW a your KCOUn: x100 PROD.M r Ktoae: ones or eopen r We ns' COse or shi aew'iow stwu: w4 your agh: a Ob:Wn ded..'No rani do -.his r Cori "she for my err. Km V.-au and M r dprL AsMPKWN Trout accost can 60 pmramm rarprwj. r you secant. M chnied rsas nanwm, VOU MIT: sap Useta yroaf Crlat cow end ectar_YON MITI. AM CO MM all pnM7grLted U9rg !fen rm:z:o:M Keour.Xe M no: do AIL Nryol.r ace dose or perrordeM' Shinned, our OtCOre: yom ring: also diww K cleat cam end wtogr set*" thects.Ya nut. ran per, M aMOrR'tou OWN is 01 :0 accost. NN IT :IN'r Mee ended ran yar Mcrae M Closed r arpbrnde0. 7.NakMg Palfhenla PsYrlms You Mat:O US ambe Cleated :o yaraccorc a 7 -e WMMSa dam ace mom t. Provided i1y1 :a sew .he Won Porbn of Am SIAK" t ens yon rOMM In 7e mekatl Ierr7Mee twobrM man 121 YOrParntr It MCebeN M owPMM Mg Cedar Or' 3Pr C- 02 1000 PTT. Peme all= r low'" i6J ki neds doe's for POSW delveri. P*lned3 weaved Di Us W. sri 73Mr bea ton r M my oAerTkn ride' no: be oested as or :he dw We Monk :ann. •3ar bUWMU derY and droner -rough Erulhad. KoudMg MtMys- Pleased a it,. acd'rss or ohone numbe' dlarlges aoove esi-q blue or btxe ink. 8.NdkM AboUl Otelmnic Chaos Corhwalm. Y.am you porwe a deck K PRMM yroe MAOfte in ether -.0 use ewrrd:Dn,IoM tar ehect :O now a mezine e1et7adC Mend 70M-#F '10M Vow edp091: aCTOer 01:0 proceds Ae paprds: K a CMCk :AMaK'.lou.'AMeb WN, no lourto 'nxr 9ourcbetK :o late an Ollr.forot -Ind 'uaa rw' U! %tk0faem •Mr1 f,'ow0lp0sr. area n: .WNW. as won K :M carve uvxv Alpha }rorryrier Md yea x•?1o: Malw youcheck 1MCt Mon vreNIMCN OSYJ[loa.YWfKAOrI2rw1 m ar trued bv:1e as on:M CWCL y11 ray Alsubr't she ebeW kA'' ConC: Maned Psyrrtri 9.DarnaulptOr. ]-you al en:tled:O bomkwrret' p r.ecl ns'ur 9orucour,:imcommmltla bay,orelrrwmm iurposK. t is ado, aR scwv .0 tow, amen of Mtom a ONr. of cWm Oo eo: NO W any psyrrma AMC.Ir' :o ms Without: am" bath Your brtmrLv o::w*y or:le gMrtrIF" Comr..r you xad: a Com11C: us allo moor amore. or you bankropty pmwft% peed haAlyar t-OMeV NR.K: a •DILLWO RP311TS W4MARY is Cede Of Cms Or rAIW.) MS abrr You r alai i %" -Mt M or anls x'nn¢ or r you need r76* Wonru2a on m .muc-JOl rbs1, xM1 :0 M ad a" Wee tog aswou to rnstlK r.:1e addltM tr amrunad swMn a :he hart o•7ac Saa'Irer. 151 r7s. hear•Nf9 Vor no Irer-AM 60 aft N'er ace str you Are 16: Dm on WINES 7,0 erwrploden appeared. YOU cant CM Our Cottoned FltlKs red Mew or Wry in by ends or xellte. NC doing toad w.. rWSINe Valid rigin -in y ovr t::eL gMS an Are Um" siningoor you r errs and wear errWt"eO9er WMW.. ran "WW.dd error, a OescfTT:Mn Of -30 KWMw Megasaia,l' W. MI, Or WV yon blmwe ABM a 0 eeoc r IT %W heed nom mbrMrlas, a rur':ti n of 2e ten yar and time 0 anat. You do w: have :O ray an arDIM: In QemdM wW ace m m»cyrM9I- W: yos eM red obgrN :0 pay Ae pane or vowbm rid we W. in garble. wfa! end NNesyre yae 6 Ws:On, ace emnr npor. $roa r deITgnem rake Coq' a[:IOm'0 COMC: Are mMae: V0Y q ulr.On. • Special Ruefr crew. Card Pomheaed 1'}roa nave a raDMdn xrh 7e ?Iv o• papery orrntw :hr you PIPChSM loth a led t eMd SM you here-JW M good arh a eoeec. Are plllbMn 1xA :M rmrlx,r ymf Mee hetd:M rgrr bd :0 pay"Somali Will wow due on yin p opi %. or &Mted. You nave 7W prfterJa TINY W r]nd ps s'Mie rift! 'Mr nom Ann 566.00 atl Are p,acM6e ties title an you hone rte rWthin too ratan ryror Mining am INS. if- we are roprre-t rwmmw., rr"nand YOU 7e adwrim*I 'orAe p leery or sowkes, MpmMmn an caged la"NO R 7 a"= rk,etlon or po"aa.i plate Mmmiler m aitu as ewraaporlrnce. • r3s7x nr 1neY rat hus,l re Kdmw CSPIW OWN ONK4 a alrr'a:bn pYoe}' limerloumt our xebste r xxaca twweon CaphM Jar m 0 `Wderelp eya:eAld 91 YWO ram o• CWW 9ne rimendso Corpola:Om m 003 Allowed. 72006 CWSI one -C.08 010kid056.1 - 03'.2' 608 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Dori t staple or paper clip your check Lo Lhe payment slip. • Be sure to use the payment envelope that came with your We statement. Using of d/fterrnt envelope crJUid stray processing. v Nease don't include any additional correspondence. • Last but not least, be sure to %wite you r I 15-digit account number on your check. 5CWD16 91=6 Capital One-* does credit cards-and then some! Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free? Visit capitalonexam for a complete list of products and services and to manage your /account online. r MENEM C I w. ¦¦¦¦¦ac FW what's in yous waNett LENDER FINANCE Previous Balance Payments I Credits CHARGE Transactions New 8alatue Minimum Payment Due Data $23.820.38 - $4.000.00 $0.00 $151.47 = $19.971,85 $199.00 May. 16, 2009 h1ar. 22. 200E) -Apr. 21, 2CY)9 Page 1 of 1 '`••' MasterCard Platinum Account Rewards Summary 5178•1157D•7971sE8B1 rrc•,kus o:sl'btk tr.Ibra•: Your Account Information Rlr1ARDS Crams t i. resict• curptis tillig cycti posve TOTAL CRCDRLIFJC S3040.00- A'adatli C>ltarr: TOTALNVAILABLE CREDIT S10.C.2&15 CREDIT LINE 1-011% CASH $14000.CC. Paymentsr Credits & Adjustments AVAILABLE CREDIT roR CASH 510,0 6.15 j •r•,rr, r`.y.1; D - Trarnsact area Finance Chargesirkaaroeciotr "orinramr:in'ornaicni 2 2?t:P.r. XPLAHCTRE'vCH r.•. %i A!"R C:?STCt'.i G'.T.r•.U:: iaZ tali a x: ; I B:Araxorrs comic Comr.rcmaxi FINANCE =rGNcc u raa? Arr CWtRGE rurchx"so rr i' [IOWn CAP% :l':.cc CaN Uc i..r0_-cV_1, C 21.'5% YaU ANNUAL PERCENTAGE RATE applied this perled: 0.00% At Your SaVIM - co:o'S•CA.< a,kdoremi z narage •.m,r accour. Q'}t 1•illll$r?:ill ? II :ore{ ? s as:or s»M, rod a 4x¢ n •1s:arar RAdDrs 0 Pay0n811oa'.•:scc:iMre.roauvae'mwprirer::o: LWe691k ILI._r..•P.i'.Em:?li f3 •' arb:x I:l a2 •IU3 Sand ingddes to! •,arital Orr P •.13= 302ao • Sat Ld.e'Ctr Ur s' 13rs02a, ManMa your Rewards udhx ty %is iinq a Cak I-i0u-.2s3ili I Hare a question about a charge on your smrortent7 rk?<a r•kr x :t c CtBNt7 ri)t :0 5tnmrj cn i c tact ci ;cur •:a:r?mr: a . ist •etyx rr?+irdcnrsanra•rx.:r<. PLEASE RETURrd P?RTIOtI 6ELOMi'A1TH PAYPAEW OR LOG ON TO'WN4.C1JNT,',LONE.COFITO RaAKE YOUR PAYP1ENr ONLII-I. 1 5178057279228881 21 0000004000000199003 Account Number 5178-0572-7922-8881 Due Date Nm- Balance Minimum Payment Amount Enclosed May. 16. 2009 $19,971.85 $199,00 PLC-IS[ PAN A7 IL=ST TI II S P.Mou NT !!9011255181688522!1 JOSEPH P RU¦tIE 333 YE'+7GA 7E DR MOUNT HOLLY SPRIMG., PA 171365-2010 I•rl•nlu•11111•tlttlt•111, III.1I tlnnlnl,ut?•,glh-11111l- •r .' Jf'.LL• (tend a hand. Save the land. Manage your account online today- K's fast, easy and secure. Pay an'i•,e a+y2 mr-ne P.•nrc chocks, stamps or ck,vror. ® Movingt ChA-ige your addrrts rnliw n• ram thr• nArk ®IICIp :aye the pl MCl Go NapcrlCSs O y g,: ?p ""w.wuitatore Cam Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 ulllll•tlt•'n41'h'hlPll•'Ihtlrvll?l•III•II•?Illtlhhlnl Please hake chedes Payable to Capital One Bank (USA), N.A and mad with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Braces, laser eye surgery, and more we can bring medical costs into focus! Visit capitalone.com to learn more! Prorh.cts and sei'--m ollorcd by tee Capita arc I" y of coirpanie;, uxlud na Capita Onc Bank ia.SAI. V.A. and Cap tal Onp, W;A. trlcnbaws FDIC. a.:.1:1MC n.eM_q-4 , P:.a• .1;r.rn ._;914:..T. (frt. 1. I bOrin toord a rlnance Charge. o.G1W PM O0. "OU Cdr ITC:e a npwlLn ,Gk! retail d 28 das rtFau: Trwe CHAP or rr:: PuICFMes. nil. talarep:aa seers. rear Speab FtICI-AWS aN Mr o l-er thalglL 1• :a Pl::a r :¢AI'Mlr C nbrcaW,ln lecon M rte' ax mpornrc ko:rlIN FC :'netrt reiow, and r"for t :0 W ciodirec ur:DUr pre:mile Jw c». -I-ere IS ro groat pwbd or cash air orces Ana speclaiTars-e t-Ir odetbr. Jw* It ro {pace Ferbd W Ar'::r rsOCla' f:Du do ro: pa'::he:7:M •T.er: C112roli U. uvrtbg nameir Charge. TW SDC-.WS `rite at, ra 44 tier::O n lance perbd at, 1SSlss" flA rM CFhrre V TOn -." Jae at it larliatan or : '10111'! do:t:Fe .rahsatarlh pWejieda OLr AftVW:Or 3• TOM:I-e .IM carneardw of .Fe cLW-. LRg pebe.AOtDrM:. f:9U JIe ro. fer,-W'Farn rAbrer'lronWPW3DLS rBeN Period r 1R "ce the"es conerut :0 areme :0 ';OU UP" Wbrce Lrr1x LrpOU T0larce IS POU IF •4?Tnn r•Mean:Fa ?a. fro': s:?o.-.e vmeecr:rges. e'-xn 1": oL (te'''ll! err! Nt:: CL1MC! MCACFI o11?t 'M0f1f. o' :OLF SSawMr -. W To Parwr. CLe Jae W,1 die r7 JO so -w-.Fe rJr:IOLS nodal'. tartaric *we* cl-cnes Are AJJod :oJ» Arphit" selyner. of •.OLrAeoour. c. hleisnati It rlnance -"a. rorearll Lon pored :Fa ;oldaeCOtr: Is Su1et,. a A Trance C .". a rir*VJM :O:twrMANS a VUA...C or %aM •rmLie rip0Sea. c. Terepofare nedtlclon w nnowe Charges. We fli :to BqF: a rd. a%$"% an,- or M'raroe eh.o"" -Ornr: 9r.;r i L4Wg petb L 2..\:elage Clan' Oobnce pneluding New P U Cra iesl. !ranee ctaye IS eakuL'ced r: nL bpASrg :Ie d08: U-Anrce 0- eet SW r1M 0":0LI WCOLrr.:e.%. cash u tm. pnevose. tpetbe:Iti ad Spatial plMAU: L'.. 1-e conatirord" am-.- PenoaNC m1e:i: I.T. I•as teen Plr-'bLSA' drsCW.W -.0':OL. A= :1•e can d each Ci': CLIIFg :he UW9 period, :x n ff.r::he car: Periodic bx'orearh See, 11M d•;DS laccoLrr.:o lie tor': WLp•C0 deOCF ur reR. -Fen a :M mow or A.t lmwg "Mil. -m ale LF :he mLM Of lost Jar: COt-LbanS :0 OWO a':OLr Periodic anarce ctarle -or earn segner_we add LP:te ai •pln each sMnon: :o net.'e a Ta -.0c. IN perhadle 1lnam CFAI5e -W-;OkraeCalr-- TO gl:"diat; tALXM'Of ones- sagxr:04 :VW C"--.Je :.N.ellekgirrrK IObree for etieF Segfler: ard" xv rewlansw.blis Ard nr. peeocr TFarct enalge eakuLT,N on :M r*---M i cm -s Ieilarcefor Jim segfler:.are Jeer stawac at,: rovinerrs aCoi pos:od As or T-C dix; -.1-0: nor aNoerred -.0 -Tx. Sla'1lr.. Tlit Ves US -.1-0 SepnCIT dab: takirCe'Of tact segrwr or -:OLr -mu':. I-Ow : er.l":a, K" :Fe Me:: C akwce Ular:r o11:DUr pIRbLS S:a:enem r'L IN W I' ':OLf rlr: Lnbfke I.-Mi Z M Of A MeJ: aretr:'•.ne t 1rarsacdon, Salkll Par. :O OL r Pulctat! a SPetlJ'I Purchase u,rlwcs aw An: nave :o .to doL IMOtIMet 60 rakUlantlie weroye dow tnbl'[t K. akwg an To dolt: WMrC sMWeranl arlpar:ne Sul U.-7e r'UML rOr lit 61'.S In "CLII1ra "ari t:Ne. TO cWthat 'Jour BAnm ctar". r%tk* wur Walter dot.' tal rL! k*; lie car: tenQ[c ram Atw W 7Y ro,rltet d lice's r -." tow, ponou OLe :o rose ldian or a Jar: tosh ordwx nWW%ri ham Chine MS4suner-.. 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NputhrsK Die ra: Meted rlgakgett d araYlc alOeald' d pLICFMe.: PkneP wrerner a sl,r :a cotesPDlwerke. _bt< .v A:+.••: ro L.n .vas o.•m.:.ys Cap:d:x'eupPonrsorrn:bnPrk•ar: Fraerlor:ue0tr r:lt5[e ff .^YYLCar]ZeOrt.COn C p cure t n e wise rgi'!!J Ser:ICe Mn.O' Cnpal :-re nnikke Corpoaan.:a ? :i wser-•a.': 2008 captaltne -C:a8 •.1 CM,fu08.i -1 .03.26,108 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don t staple or paper clip your check Lo the payrnenl slip. • Be sure to use the payment envelope that came with your y/. statement. Using d different envelope could delay pruc'essing. • Please don't include any additional correspondence. • Last but not least. be wre tD write your 16-digit account number on your check. s nIs Gish Capital Ones' does credit cards and then same! 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.coml for a complete list of products and services and to manage your account online. aelRlbER an errs FW LENDER what's In your wallet? FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Data $19,971,85 - $9,240.00 + $0.00 + $1,378.38 = $12,110.23 $121.00 Jun.15.2009 Apr. 22. 2iXO-Q h1ay. 21. 2009 Page 1 of 1 1% - ?.E-E?A• -? 1- nISMOU.T MasterCard Platinum Account Rewards Summary 517E•OSM7922i861 rm'Jcu: a:apak tc,brcc: Your Accountlnfomlatlon RltAtAMs Gatvw:t[.i«k? TOTALCRCDITLIFIC S G,CCCtCQ t..s:oarsaa:asposvgcuirytisala,qunal Gntxc:•: +:adak• o:? TOTALWVAILABLCCREDIT SI7,Fft77 CREDIT LINO rGR CASH $1 i>,CCCtCO Payments, Credits & lhdjustmenls AVAILABLE CRCDIT rOR CASH S1540.CG 5, I,{A ry.IM I- r• k'.':'' ELECTRCCI: rA'TI.CI.T is [l7 ii- Finance Charges rrk??.-ac; rc ere `a inFu?r: Nrwno:iuli Trartuciorm B:aravv mx pm "A. CCXA-lcma? FINANCE I? IlAY A.W +.na nr .^.TTNitL' fa;: arr. CHARGE 1EGA:T raUSnJCEt.r:t-C+.u,r6•;.i3s?.rtirA ., 4. rurch::C:• Cn:t C ANNUAL PERCENTAGE RATE applied thiq period: 0.00% At YOIr SCrvkc - Co:o•.: e..cau?lorera? n nrege .Yxr augur. or CA I-fL1l.`ai0 U :o ne{or a as: or snbT cad or"t -.o-amonar RNciors G Pay OnItcaaas.cataare.cororraFxupryer..o: ire Bait. iL.ikl I.A.- P.c. em Tli33•CFatrt I:? 13' •103 ® Send "fries to: Caplid Orr P ='-Em: V36 • Sat Lido Ck: Ur s' 130-0?s; ® Mwmoyour Rewards tnlill tGsting Hama quosaon abort a charge on your statement? !'k5<• rrter.. -te C>NH>7 Rht:aStmori rn 3c tack .1 our ::cermr: er •.ICi- x"ae=.r?+[:,knt- ron:?rpr.:es PLEASE RETUR?1 MRTION 6ELOINWITH PAYMENT OR LOG ON TO'JdJiJr.C:J+1T,'+LOt•1E.Cp??l TO MARE YOUR PAYNIEHr ONLINE. 1 5178057279228881 21 0000006000000121001 Account Number 5178-0572-7922-8881 Due Date Nev; Balance Minimum Payment Amount Enclosed Jun. 15.2009 $12,110.23 $121,00 PLEASE P-:s'A.T tL=.Sf TI IISAMOUNT #9014255181688529# JOSEPH P RUAHE 333 YES 'CA TE DR nOUnT HOLLY SPP.INGS, PA 37065-2010 IIIIIIrtllulhll+a'l.Ihhllnnrn'INI'Ihrdhlldldrllt Lend a hand. Save the land. Manage your account online today- It's fast, easy and secure. Pay oroi-* anyt mr-nc Prom chocks, stamps or cIL7tor. ® h4otinjt ChA•,gP- yrui address P.n1iW O• m tlt P- lurk Delp move the p1wel au uaperlegs 0 S,gr. ,,pal .•ntiw.wpilaiPrc c0a1 Capital One Bank (USA), N.A. P.O. Box '1083 Charlotte, NC 26272-1083 fill lll'Ill. -if III- II-IIIIIII'rIIIIII•rll'I-III'll?rllldld'lul Please nuke sheds payable to capital One Bank (UW1, N.A. and oral withthis coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Braces, laser eye surgery, and more we can bring medical costs into focus! Visit capitalone.com to learn more! Prock.eu and wwces oilercd by tno Capha We ll" r of canpam^_S, elctud ng Capt. one Bank (LSA1, N.A. and Lap tal bnn. WiL, menbrrs F[3IC. 1 .;-., .111.. -..: : ;:.r r. L;,,,n :.. Y/1f :.:f P.: fhr. f',:.?.1: 111•,: J . ..a r.t f.r., •..•,.:.: d;.: F'i: .:r.rrr? 1. I bwb tFOId a rlnwct Charge. a.Gr2ce PenorL ?0u earl Fae n nnl`xn rroce peba O 28 da•s rrthole'r.nee 00190 a re'd rrrcMSes, nor: ralaree 'Mnsvn. ror. "Coal P"Mtn'" rwe O:I•er d1.'rges r :ou gm- oL r :o:n'Mnr t al rer,ln .croldarce r:p• :he Inpornn: ko:refor ro-;r .% relm.,am r Inesor t:ow c".ee u: :our pn':rlerr. Jut e.'1Y. -I-ere is ro grace rtrbd or cash are:orces and speclaimn'els.lr Odic tlor. 71010 It ro grace rerbd or ar'..""mncnor IF :DU Jo ro: re-..: I10:Oral '%er: C:11.'lrat." U.A..Ing nrs"Charge.Trorsoelors Ailch are ro. 54 ;lee:'.0 a gel!e re1bJ are assessor lnarce cle.we 1'. .Ion Ie date of To 10nioc7on or _: TOrY Ire doe Ire .lansiclon h pritesuJ a': d.r A.t~: a r• •ron I W. co&r=rjm Or :K curer: Ll'g peloc. 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M pLmhotK are co':hand roped ess o• mount d•Wwor 0• PLrrmse.: Please mnenLlrmSirralcorlLpachow e. -%Ws.h1r am... MnJS Yi<ata0.L1M C.Ypnlt•re SLppomWdnozisPriem: rm c:Ior:weoLr , ehie a ar:::.cnpMd'e.c0n Mrrnl Gce s a "MW 10,Wotod un•Ke ran, o• COpn1 •:re rlrantrd CorponIon. !a rgl:t reitued. 2000 Captor -:ne -CAa •:1Dk1d03O.1 •03.21i•111S Changing Address? Not quite ready to make payments online? Address..._ .................._..._........._......._........__...........................__... No problem. Follow these simple steps to make sure •.. ••• ..............••............•• ... .1. Home Phone, ....... ......... ............................................................._......... we process your payments smoothly: • Don t staple or paper clip your Check Lo Lhe paynYL t slip. Alternate Phone ...... E-mail 00 • Be sure to use the payment envelope that came with your statement. Using d different envelope ccwld delay processing. Address ......................._...... ......._...................................... ...... ..... • Please don't include any additional correspondence. • Last but not least, be wee to write your IC-digit account Please pr rr aed'ess Ile Awe numbe, dianges aa2.e Lsi•g blue or bhx< ink. number on your check. SCOD16 Capital One" does credit cards-and then same! Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. 7=i FW aa. aeaec LENDER Cal?>wiila?.. what's in yoear won"? FINANCE Previous Balance Payments & Credits CFtFiRCiE Transactions New Balance Minimum Payment Due Date $12.110.23 - $121.00 $0.00 $3.318,52 = $15.307.75 $153.00 Jul. 17. 2009 R1ay: 22. 2009 -Jun. 22, 2009 Page 1 of 1 1% t.E-E nos mot is MasterCard Platinum Account Rewards Summary 5176.05 L•7'9224211i rre"ctrx.a tk•t?drea: - 6SiC Your Account Information lrEwnROS [.aru.:ti.frrkc LAY:wnacorsposxeviraiisbIM9acti TOTALCRCDITLIttC 55C,CCO.CQ hAarotle. Elobrce. 2• H4 TOTAL WVAJLAOLCCREDIT 514,6:<25 CREDIT LINE I-Gfi CASH s1s,CGG.C4 Payments, Creditsb Adjustments AVAILABLE CREDIT rOR CASH S14.6?225 2.LI1 r•':'%I:Cl-17 5'2'.i?• Transactions 'r r+'ILa.D51A.r,ERiIT't ; Lr. ?i11ii'V<r'. ?t ?'+ Finance Charges irk-=e oce r t.m- `orinrcr:ar: in`uno:knl . - ^I:?'r GCLI,DRLrICELL'CfTl7ChRLISLEr+: S'.: CiC ff:Jarrera:r roriati Cornr..rnwiwJ FINANCE 1, 1.11. 4YG:Y:fft3,hli'G' 1*.CC.'r' 5414 rA•. 'i a.DrNccz romo ArR. CHARGE _ ILIJI. Ert-6-ITLTE170P.-:LLTL-?'U'E'2-Ia. FVCh.:tia $':1.cGi? i.tLi1Z o i.tZ?!. ti .ti 1 IJI. i CC:C I F:I: C 5CR41CC? i? IT' 'i I: :' t :. Ca:d i a% L Oaf C %1. CPu J.?C , it ,LJI. ,CC :41 N:I: C i CR`itCES C'r I?"?:1 : CA•. S' i`'' 5 ANNUAL PERCENTAGE RATE applied this period: 0.00% E I'• ,IJI. rA.RR[LL'rL-CkI.AF.Y t: F1FLL rA. dT-h /lt YOtr Sorvbil • :'o:or:s:•.eenlorecah n mirage :ixrrcoux I-eW5".:'?U?U :0 R[T, i tS.ar i'aYll lYd 7 g1e?.:a ?]UCOre' aroot Pekbra 0 Pay Online a:nxacer tetre.wr of ratro+rparrec:o: M Ore bed. iL.i.+.i I._+..•P.O.Gm: ili33•?Yalo:x I:? 113 Scud Ingtt acs to, Crpi* Carr P..-.Em: 3D:a6 • saF. Lml.e •.t: Ur s' 13ii1136 Manage your Rewards ulkne L'; .ding r •a...'.. or 1-Edi Z_33K 1 IN-IV _%:q Han a q ueslan &six a chaW on your suidement? rk?c r.-kr-c :t.: fi1YN19f.1)t:a,trn?r; cn 3cta?k Ci:cur ::crrx•r. cr ,is'r. x.rA_.rplydcnrsonrcl•k+,.:ra PLEASE RETURN MRTIOtl GELO''A11P1LTH PAYrAEtIT OR LOG AN TO'WKN.CNNTALONE.COPATO MAKE YOUR PAYMENT ONLINE. 1 5178057279228881 21 0000000121000153009 Account Number: 5178-0572-7922-8881 Due Date New Balance Minimum Payment Amount Enclosed Jul. 17. 2009 $15,307.75 $153.00 PLC.-SE P.-. s AT LrAST TI Its .-Str10UNT Il9017455181688522# JOSEPH P RUAHE 333 YES'GA TE DR MOUNT HOLLY SPRING:, PA 3'065-2010 IImII"IIht.IdtUlt.1,t,,,6,nI,I'•Ihlll11ll4llrlNllln Lend a hand. Save the land. Manage your account online today- it's fast, way and secure. Pay n??i •,e aryt nsr-no n-nrt' checks, stamps or ck.:mr. ® McrAwgt Chanc3e, yrn,r address e.nline o' of 11'c hark ® Help saes the pl?Wt Go paPcrless 0 YBr vP al-.•mw.Wpiworc 0941 Capital One Bank (USA), N.A. P.O. Box 3083 Charlotte, NC 28272-1083 III IIII,111„it III - lPll-'llllll"II'l'lll'll' 111111d'Inl Please make checks Pa jaUe to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your roods, 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! Prate. ns and sn'rces offered by the Capita ore farm r of co,npanies, elclud ng Capita Qtr Bank fUSM. N.A. m•d Cap tal Ono, h.;c, moritim FDIC. i ,.I11•ren.m:y,d:;:a•r. tax-._rr++:.::rr•,:: try. r'. .: Ly .a •.3:. .. .., .:dc: k•': :r.r•rm; 1. I Iar so,%DIO a',nice Charge. ii-C"We PenoQ you FAH I'a;e a nrMYLn,rte pees r 25 dws tso•ort 7rante 01-mo or Few FUICFMf, Ht7 [alarat :rf14'lls. rate SFecta pUM10tet t1N MY o1'H eltagK I":a pr-:':10r:o:a'rle^ [arorcl',In aLronlarat etr a» nPornrc k0*011cr pc1•:nefrt tear:, and r "_ for t'o Le CeJee w wkff p l':r" rr dut cats. -Fero It ro groat Feral or Fish ate: arm - sPeNall xs'eR.lr aletbr..1»e IS to grate Ferbd or w... :rrrsqcw IF .DU U0 Fro: "keP: Enforce." U.;Wall p nn*NCe Charge. TWSW.WS PAlll11 am re. SL tlet: ro o grate Feiw de assKwe rlnMce cl,e 11 •tal I* we 09 1.0 Tdntar:bn *e rkce 7e :,mF&ot:bn It professed D': oLr At OUo-. Or 7. •1011:1'0 '115: coerre.•rdn: m:Fe cLfer LrM'g pNoe. FF AmL.'. 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Moe 1•W Sidi red 1'e TAK+01e tars na0e In :Dal Forte %:x.e or:'b'r 100 nom or•;OLrnFFWg ad6ess.:!'tee m,r oroM-11..1111 neMlar-,. orr fro mold wu 1V ad'•lrnhll'Ilr: M :IV paper..' or soutei t1Lputhaef ate t0;eed m3ordless r amour. oratwor r Puctfte.: Pnrne eMrlLlrD sir ar cOf'KFOntMtl. ?Vio5 NN OF V;5 Callml oro si.ppori fforM:bn prix; rrcr.w.1or:we oLr P:efte a: •::rcapADare.con Cogra :•ro L a "c r: IPM Weed Ser:lat Mn. o' CrtM Gre rlrontial CorpOwlin.: d tgl':t Rslr-'W.': 20DO Captal•:ne -CAE I DK16056.1 •03.26108 Not quite ready to make payments online? No problem, Fallow these simple steps to make sure we process your payments smoothly: * • Don t staple or paper clip your Check L0 the paymenL slip. • Be sure to use the payment envelope that came with your Own statement. Usury OF dltterent envelope could delay FJruc'essing. • Please don't include any additional correspondence. 0 • Last but not bast. be wre to write your 16-digit account number on your check. SOOOt6 Q'Mh? 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Visit capitalone.com for a complete list of products and services and to manage your acccount online. ?+ - 121R ME14?ER 4 ap" lE?DEF what's in your waNet7 FINANCE Previous Balance Payments & Credits CHAWE Transactions New Balance Minimum Payment Due Date $15.307.75 - $155.00 $0.00 + $290.30 = $15,443.05 $154.00 AU9. 15, 2009 Jun. 23, 2009 -Jul. 21, 2009 Page 1 of 1 .1% P.W"I: PA''X' .L:STIIKALA Ot I.T MasterCard Platinum Account Rewards Summary 517a-0STl77l22a81 rre: is Ir o ilk t k• tcVarcc: 2' ' c4 Your Account Information RttWANI7S C:anr,7 i i. fraicc TOTALCRCDRUh1C SR,CCtICG im%`T:nrsw:brsposweurptisdfgast} k 2' cd TOTAL W,',OJLAULCCREDIT S14.556.S-.s Gatxce: '` t CREDIT LINE 1-01s CASH SV,.CW-W Payments, Credits b Adjustments AVAILAGI-C CREDIT FOR CASH .S14.Sxi6.£a ;.LL r':'Iur Transactions ' ' - 15 .Ix I'.:+r1.5 r.iie-liTr rCCc 61 .riD-Lil:3 i,rRlhl 17A. cS Finance Charges irv=-e ace rear ori,F(nr. h, urr_:kni t;..IJL i4L SI•)rDC.,CEWER C.A•.F.LE,LE IA „ . Grlmv.c, x- Porich ':amcfcrwtirxJ FINANCE -rrkel u r i :'M CHARGE rLrcha:ta s•:,??,.,, I:.zi1-Lxa c.ax; ;?.cc Cast IUL' L.A?-51. C "11.'7s f'.11 ANNUAL PERCENTAGE RATE aWied this peried: 0.00% At Your SCrYIOC - fo:ox•.:..ra,iibresa r n narere .etr aua+r. a';et 1-lOub`i v-u :o aziv. ? ls:a snla„ad a qwA :o ?soRa Re"re Pay Online a aar,.ur te6re.ror or wsi:vu prnrer::o: '?apial LTe so. T55 E.A..- P.C'.&e.. li S1•',ta1¢x I:; :3' •IiSs Send lnquides to! BjO*,--rr P.G.Ba 3i)"x-Set. Lots MLT! .IiON5 Manage your Rewards cnlinery:Bting ar Pet I-tUir.es00i I Ham a quesdan abort a charge on your susoneent7 rlexr r•kT x a e C)Mtng Rh1:a SLm any en ! c• t arJ- of ;cur .A:erx r: Cr •.ISr. ww*_rrrWcne_r.onal•Iu.:e:S PLEASE RETURN PORTION 6EL^'Ji OATH PAYI•AENT OR LOG ON TO WJuW.CANVJ.ONEMPAT4 MAKE YOUR PAYNIENT ONLINE. 1 5178057279228881 21 0000000155000154007 Account Number: 5178-0572-7922-8881 Due Date New Balace Minimum Payment Amount Enclosed Aug. 15, 2009 $15,443.05 $154.00 PLL-SE PAY A7 LEAST TI t S%MOUNT #90203551816885294 JOSEPH P RUNE 333 WE. 'GATE DR. NOU)17 HOLLY SPRINGS, PA 37065-2010 11111"Ilu1nIl?vlhIIII1gI"mlrlr'??Iu1r11111111IIlIIII Lend a hand. Save the land. Manage your account online today- 11's fast, easy and secure. Pay rr.,:ine anyt mr-ne n•om [hacks, stamps or CIL:.r'r. ® Movin-11 Chaoige yr,,,r adder,;[ rnfiw 0• rai tl:r, hark IA uclp save tho plveL Go pap(•rless 0 )1911 by al 0nvw.:a1A(a:CWC C9U1 Capital One Bank (USA), N A. P.O. Box 71063 Charlotte, HC 26272-1063 nlllll'Ill"u41'h`1111111"IIn11'rll'I'lll'Ih1111d{d'hll Please rake checks payahleto Capital One Bank (USAI, N.A. and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have. Banking Free online Savings accounts with one of the best money market rates in the nation, Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Braces, laser eye surgery, and more we can bring medical costs into focus! Visit capitalone.com to learn more! Pco&,is and w,.ccs otfercd by me Capita Ore farm y a1 canparecs, mclud ng Capta One Bane (,"SAI, N.A. a•d Cap Cal One, tLiL, members FDIC. ; ,.I : t•rc r.m :.pnl : k.i ;. 1:..... _awLr :.:Tr'„? rsr. r'. : t,.; .. . :•.. „11. . ...., .:d.:.•hr:'r, r„ u 1. 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CON PLmhases {• •:OL Fa 1 a POlNIS rrl' 1'e lpMt: 0' plDrwr': OriN: tYt :ha.':DU p.ICMiN wth n CWCt Card aN:oU hrr••e 7104 r g00J Tarn b Mr'!C :K Protean rJ1•:I•! r1m1101':; JOLL nod: tar-Y :I•e rgrr. FT. -.0 rata lie wrelrrg rwur. due ar" Ptrrer.: Or ter-'ket. • ou h'r'e:MS pracec:lor oM-;1*001 To PL Kt-KO rr1c# was ride liar i-W.00 and to p x+me svx node M:w I'an! S.T.! awb't 100 stet a•i0V rnMrg:kLewtS. a' Ste one a oryra:e 118 nekl-ar. orrr. a raid :rou 1! od'•xher ier. tr :Fe pbper a serviced n1 pvchoses nor tor: eoed rug.'Inlless or Mart orlo wor d p.rl•ase.'• Please IHSKSIwr b SKr air CaletpOnierKe. lYC wx„. -::? uJC .Y:<ateX%- C'Irlal ti•re tvrpon MrOrrn:bn Mrnr: rr7erbr:tee o4r reettte T ro-.:..carfnla'e.con C-VV :'re t a Vdit*; w,s:ered tenet! Park o• 000701 -:-re rlmnetll Corrowton. N dgI-.i ors /rood. 20DO Captrlr':ne -0.08 10k5d0se - I - 03.28.•108 Changing Address? Not quite ready to make payments online? Address..._ ............................................._..._..........._...........--.._.... No problem. Follow these simple steps to make sure ........'I..•. '....'.... .'...' ....... '.'.... ... '•• ••• Home Phone ............._............._.......-....-........-..._-....._... 0 we process your payments smoothly: • Don t staple or paper clip your check Lo the payment slip. Alternate Phone ....... .... .......... ................... E-mail • Be sure to use the payment envelope that came with your statement. Usury d different envelope could delay pruc'esarng. Address ............. _...... ............ .................................... _.......... _......... • Mease don't include any additional correspondence- Last but not least. be sure to write your I&digit account Pleast pr n: acd'tss Or ahcste numlu•thangls 000LC Lsi'y b1uttot bkxe ink. number on your check. Stay on top of your account with 3031 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. / ,r 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.corn FINANCE Previous Balance Payments 8 Credits CHARGE $15.443.05 $155.00 $0.00 Jul. 22, 20C)9 - Aug. 21. 2009 Page 1 of 1 MasterCard Platinum Account 517e4572•792248" A O51t1ts11e Your Account Information ( 11EgU OOF TOTAL CREDIT LINE S504ct(CQ TOTAL A,AILABLCCREDIT S11.70226 CREDIT LINE FOR CASH 51 i..Cc"Ci AVAILABLE CREDIT rOR CASH S11.702?X Finance Charges irk.;czre roxre'winfamr. in'wm:kni B:1:ax?r;:c roriTilt +:ormricocing FINANCE : rr.lioa u r Arr.. CHARGE f1rc1)::•co S'ti ;111c CANNON CAM% T..^^ Gc:-t :La.L L.A-Y•'J••e C St.'i ?IJ.LL ANNUAL PERCENTAGE RATE applied this period: 0.00% &Mk A[ Yorr SCrYICC - Co:owr;..c u iabreca 7 o narege -mrs4ftir « ?•}H 14(k Q&' a70 0:o ietc , a as-,or soles cud or qai :o amotrer Relcbre 0 Pay Online u--,4wcsteare.cor or retmrprrrer::o: CapialCre 6esl. iL.iA1 I._A..- P.0_13w. 7100 - CtaftV 1.0 25M-K33 Send tnqulrtes to: Cabal! err P.D.Ear.: 1136 • Set LA-e • k.: LT i '.I U06 AdW MaruVe your Roerards ailine «Cet I-tUil?'_s30i t Hare a queson gout a dw rgo on your swnicnV rkc.{rekt 1cGtIN>7Ri}I:astm?r; n3ctaclW.'C r :r.xrw-. cr •.iz't •x wt_rr?,irknr•!:on:?i•kv.:rr. Transactions New Balance + $3.009.69 = $18.297.74 Rewards Summary rre,, k Ir.- mnibtk• tckvcC: Curve 3 i. ic4ke- iRlac:s :mrswbrs pwtc aeirp cis hiat9 acN %aktle Boar": Payments, Credits 5 A4justmwlls ' . ALG r':'?I.'Clr Csl! Miriimurri Payment Due Date $182.00 Sep. 15, 2009 Transacions 2 2; ,IJL C+:LI,TR%.':f.C p.1114CL c?.rLwLC rA Ci 6.U3 :'ors CCI C-Il;ai-. LT C: AU3 :'',CRS CCF. cd: % L c LT i2AU3 rA:TfA.L I IJTIII-XI.01QKJ5. G '. CiAW- rATr-,L'R-_'BI CALU. CA ECAU3 r,'rCS?:ftilFDtis?C? i.[L-Cc'r.q•1.1r?. C LCAL.3 rA.'TrA.L'':CVR..':r 4C2e',9_-.: G- A.U3 M1,15 fr1'1T'T VA-',ATKI. MLffLLS IFLE- SO r..r<.r'rC t :?-:rr• CrrAA-• cs:mx,- rco : ul; I'l -IC r ..%G 01' BUT R:I-AL I<CCo-':I.'CCI :'•1.H:S131.R13 r.'•. 11 VA.W C'vCRS CCK 41: Hai-:::'..'•:%e LT 12 1=AU3 rsusvicn.TAC-CCLI,T6.!.f -arA. 1` icr.LG r.-virAL16'.STABER B7Lz1,i,fJC•.'•. 15 1 ,•.L+3 t•RCGER.a 1.11- AELLSIL.LTSC Is leALG rA.TrA.L•FA..H.L':I,DErt.1rr?-.rr....06 1. 17A:LG rA:TrAL'CAI.A1'- :rn_ .,rlc. to 17;:L+3 I°.R+:GCr.;i2 I1IJRrELLSILLTSC. K.. i. A•.Lr3 LCI+3 B,- XVV-._tF.S :r.-S S,xrsEE BEA. SC PLEASE RETU RN MMON EELONWITH PAYMENT OR LAG ON TO VidJJJ.CAJNT7+LOHE.COTd TO MAKE YOUR PAYME HE ONLINE. 1 5178057279228881 21 0000000155000182003 Account Number 5178-0572-7922-8881 Due Date New Balance Minimum Payment Amount Enclosed Sep. 15, 2009 $18,297.74 $182.00 PLEASE PAN 'A .T LL=.ST Ti II SA.tr10UNT #9023455181688524# JOSEPH P RUANE 333 YESIGATE DR MOUNT HOLLY SPRINGS, PA 17065-2010 ll•rIItIIIIIIHIn,tvb'•1{11,11{L,.Iltlplhlhllrrnrqu T :e4 :s' C x7.LL• .'6.u. . .ll. 5747!.. ;•1ii .: rc S24-K Lend a hand. Save the land. Manage your account online today- It's fast, easy and secure. Pay oni• rl-yt mr-ne n•nrr ct?clrs, stamps nr doter. ® W,4") CI%A•tyq w„r addrres enlirw• 0' mi the wri 9 Nclp .ere the plv+e1 w popedess Q S19r ?p.lrn+w.Wpil,fefCCaro Capital OnC Bank (USA), N-A- P.O. Box 73083 Charlotte, NC 28272-1083 ulllll•III•'uh1?4?hIP'I•?Ilnlrvll'l•Ilhll•?Illdld?611 Please stake checks pa jalale to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. e oin the millions of customers that are switching :) 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[ C2?"M?x 1. I IMYSD MOld a rlnW" Charge. a-Glace Period. 'Mu -,M tMe a nlnrxn ,Otte pebe or 25 dwS `irou. tine" Ct'-"e Or MIN PUKtoses,nrr. tatOree UMV41n. rl:: spec" rWCtaut aNno.- oIer charges r';OL rO::OLr1otM'nrY. C alarce",In :u'Cokiarre 7:tt :Ix Inporalr hwTe bl rO':r irrs telox,ard r?xra t :O Ie cRdtee U.':Dur ray nerr due Cale. 'ten it ro gMM rend or each ac'arcat am SPexiat7Drt'en.if aaktlor. - H ro Ware refbd or M'::rar uk-.Ior r'.Du JO r0: rav-.he: and 'Te::• C nicirce." I-Verl Ing rnwt Charge. Tarsor-lors am roc. SL Pjer::o a gntt ter W are assestec flier's clam I. - 'Rm'te date d110 :r]hsat:Dn or 'rem •}e dote 3e T.ntM:Dn H professed a':oLr ArOarr: Of 7 'Rn :I'! 'Irv. cobilturda; of"""t-. U!g peea. Ao&brg t'. r'.Du die ra: rat 7x'Ne.-: C aMCe"from J* PW-'IOLS cline Period r %Zil," c charges conarie :0 acerse :0 '':oLrurpnk Lc *Lr-.t:lx LrPaU totarca Is Pau V %I This Beres cr,;%r9':s:W'"`-e'olre clOves. 7'e e''-en r OL rac;:he er:M t1f : Calnre nera[ed an 'rorr ooar t..reMr. U::he Pa: Mr: a L! Jae,UL: ,pe rot: Jo s0'OCI'e p'FIOLa Mr:l'. Lit" 0narc a c"es area1Jod:o7x QrWcxLl "gamer: d':oU A.t000r.. t. Loninture nr " Charge. rot each larg rlrtW:l a: oLr. 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Follow these simple steps to make sure we process your payments smoothly: • Don t staple or paper clip your check Lo the payment slip. • Be sure louse the payment envelope that came with your statement. Using d &ftefenr envelope could delay prmessing. • Mease don't include any additional correspondence. • Last but not bast, be wee to write your i6-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 5250,000 (through 12/31/2013) • Convenient 24/7 account access (Routine or unscheduled maintenance may impact accessibility.) MEMBER Wt - FDIC www.capitalonedirect.com 500313 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balarim Minimum Payment Due Date $18.297.74 - $271.08 + $0.00 + $456.25 = $18.482.91 $184.00 Oct. 16, 2009 Aug. 22, 2009 -Sep. 21. 2009 Page 1 of 1 .EASE ?,k fX W TIUs:11,7LL1 MasterCard Platimim Account Rewards Summary 517645MT92baMt1 EYC',kU s.afLltktLllYee: Your Aocount Information REAM SM Lrmc-zii.fake TOTALCRCDITLItIC 519,CCClCG iRases:nrsa.:bmposxeaairgtistilByacMl +c iUk- Wbme: TOTAL AVAILABLE CREDIT .S51TCO : CRCDIT LINE FOR CASH $1 ii.ccclc4 Payments, Credits & Adjustmenis AVAILABLE CREDIT rORcAsFi S51TCt-A •4SLr rAY1.1114- SLr CI'iCf ETC P..C:A'>•ii: -1C-: tii LT SCr C?iCf<.ST::P,Ca:k': ii=:.1:-:•41^ LT Finance Charges irkseseele,x-nc-`lilfcrnr:inunnienj Transactions G:I:+xrr:ce rrri k CcxK,..fci*:iM FINANCE ;1'•b: Gr:'',LCS Sti:CCTRCCSrD:hIIF.RCLLSILCSG -rfl.c z r;: arr. CHARGE - 2=!'.L,: ucc;;i•i.L'sr•.-LCBUCI•SC `4-1= rureh?;Cc 'i;?c:.:'C i.tZCCi?'o i17T» T.ii +:LA; CRS ?CR.:?rl! iS .. LT T i1SCr rioc7y %'mgm 'rrC•n1. rA ^^L ANNUAL PERCENTAGE RATE applied this period: 0.00% C1 e SCr c2' cZ t A!M At Your Servloo • .o:o x a:.c au?oreu h x nxage :acroccour. crook 14M ,454-0-0-.o iota-. a 6c. or svlrn cad or spec :o,3,mww Nicors 0 Pay Onlinea .:..mta6re.wir or raY,owprrrer.:o; '' ixl Ere ad. iLS!i I-k - P.i•-io10 - utal¢x 1.0 25.-ii 13 Send --kiqU ,rr rtes to A..pixl vrr P.O.Eim: 3ir'1r • Set Lde alt: Ur s' 13iru_'0'5 Alk Manage yo ur Rowards c Nov L'i ', is iilg r u%el I-EUU-c_33ui I Hasp a quesson about a charge on your stoientonV f'k?? rkr x :tcCr? r<.hl:?;unnarj cn 3ctact. ct:cur •-Aicnrr: cr .'r..'t x•,ra•_rr•?+[nlc nc-donidi• u?-as Iry.c r:„rr. ch:nigc• :c ' x> .r Rr•.?r t. m, rd rr. orq k nr. bngi rig rut nuri ; i ' i !, tcct. ia} ku rim ..ff li acct ;cu c21 cur F.e:aarC?• Celrm x final. --n el u:-Fg :cu rc!:crco. I loco or ;cu wx aatc.A mr el oftekrka::xr.'?.c inbrc.an. PLEASE RETUR 4 PORTION 6ELOW'41LH PAYMEHT OR LAG "i TQ'JvUiJi.GJMTI,LOHE.COPA T^ MAKE YOUR PAYMENr ONLINE. 1 5178057279228881 21 0000000200000184006 ??. Account Numhen 5178-0572-7922-8881 Clue Date New Balance Minimum Payment Amount Enclosed Oct. 16. 2009 $18,482.91 $184.00 PLC-SE f A AT ILL ST TI IIS%MOUNT 179026555181688528# JOSEPH P RUANE 133 UE: 'GA TE DR MOUNT HOLLY ?PRIPIG++, PA 17065-2030 „t,1„lil.,,plplulll111-h1'hll,',llj,llAn.Plll-tll"IrJ GO GREEN. SAVE GREEN! Par online and save money stamps. cw?)V Sian up al t www.capitalone. rvm Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1663 nlllll'Ln,.llhlAhAhllilt'?Ihttrvll'I'lll'll'rllltlld?lul Please rake checks payableto Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. What is Capital Ones" Direct Banking? Convenient and secure certificates o- deposit, money make: and higher-irterest savings accounts, Since you are banking "directly" with us, we can often offer higher money mar<et and savings account rues than traeltiora branch barks. How do 1 know my money is safe? Unlike some ove5trrent option5, you, Capital One D rest Barking account is fedora ly insured by the FDIC, For more informat-on about how FDIC'nsu,dance p1olecls yojr savings, visitwvnv(dic.gov www.capitalonedirect.com 'hasp, orodu. b and so-vices a-P olto-ed by Capital One Bank SUSAi. NA., and Capita One, N.A., rrarlborS FDIC. ;: 1009 Opita One All rights rex'ved I. I low so,waid a rlnanca Charge. ..Glace Porto tl. rose hlN Pa:* it nrWnLn emee Pews . 25 da,•S ` ltltt lrtinte Crolge or ret7 peerOSei. nav talar'oe :mntlen. rer. tpeen turcratet and M,: o:l•ef ChargesI.OL ra..ol.r:..a1'eNer EDICIe in nccoNarce rot Ile IrVorM ko:refw Pn':rerrs tlla::,.1rd r "- sir t:0 k Coed t." L,'.DIr rn•:r.. due COD. -fete it ro grace ported or too aa.•arces 1)M sWIM7.M%.Vr..lr adetw. -.v** Kro grace Ported or al :':1"OSAC:IOr r'I= do Col. rer.-Iseur.01 'Ter.' EfdOrCe." 1, A"lleg naAllce Charge. Teusarbrs ralkh are r1). SL ier :0 a grace rerted nee nisestec anorce cl,e 11 lion I-@ 'We a 1e ImKoc to, of 3: Ton 7e dare 7e :mrnoean it pic"nuld a.a.rAtcar: or T.'Nin:he 'I11K. c:IMGlydo:; 011e CL rer' . 1.!9 reAa.. AMrlenalL. 1:0 u dNi ro: JIM IV 1W e alrretrtron:he PR.10LS tHMr period r s t r'a'te thm9es carrMe :o actrLe :0 ':04f UI'rale lokm* L"1 11t! Lrp ou tworce IS PM or '1.l This rNiars:rare. a m. SM a 1r27e ctnlget. 91.011 1'.OU per.'2e err! NI:: CateMe rleraCed On 71) Tore 1:04 rs:TenOr: k• Ire po.lrw: C60 do..0.LL-. JIa rT do so'w 7•e pro'", "'Or.. C' Lrp is Nrlarae cMmes arc added 70110 clppNealAe signer: d•:ow A<c0ur:. t. hMrAUre now" Charge. roreath IANrg perbd r:r. '';OLr atmw: K tW M. V -11 rarre Ct:ppe. 0 nr'rAn :aarrlA.Nx ? vrt•a . tAJb r:? le rtrotea. c. 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Y•a ms-. hear W, ,.au no krer:l•m 30 en,.s orer ter,40ui TOW UN or r:Yrd' :he elrworpoLMn appeared. 4U can mill our CLs:oner Maim nLnter or r'o:r ut !': erne or'; etotte. W. dolrg so -M no: pNiseve-axr rititn-Ir ':our e'er. el:e Ls"TN ahrg PUrlojor,.oLr, rat" and 1000L r. PLnllet Te color orolr: of"usp woo errs. a ascrR.tn a to enwaN m elghkrrdor,Y (mslLr. a ear; vol. lore: a :tear IS Or MM of r:au need note rarrrrJor a COACWbo ol114 ten.OL are UOSLR aWlt. '?W d0 rot tad:l:0 to. or, afar. In gLes:lor -:isle -rel am I-- LL-. vol. nR s:1N wtJ:tea .0 per; :te pnn or: owIn 7¢ am rot r e Les:lon. Y;tNe he Nr: et:IJTe:sur CLet:Gn. -ne earn.. rotor. ': o1. US dde&gLeM wake oM,' actor :o tollec: as anar •:o1. SLes A1L FermiRule fw Credr. Care P LRIMes r.OL t. r.* a Wien t?r'I•! goal: 0' Prorer.. Of sir: Per :no. Will PL R1'ate4'r. to a Cale It an Ord wu hwe Ted IF goal TCrJt'A CONW. 1e PtHeM Wk 7.1•e r"eRllor,ou r= Hue 5•e rw r1) :o rn.Te Rnarrg al'IOLr[ due or 7 e poser. or ter:0eL rose h.'c'e 711t paea']or art:-&On PL rotate Prre - more 2'm tC0.00 Ord It PUK+Oie ems MUSIC In .our I-or1e s:Tfor Wtr r too rill" Or *.,air rL'1fg note *%$A- -.-m .UST or opese:he I'Met-or.. orrv.9 maid -au -.t4 W,Strluer r.. area proper.; or sir:left alpl otli ses are twered regm"eit a- OMowc or lotaJor . rRMse.: Pleose Ninertler m Slrr no corPapareeMf. 1iVs ,van'!; 1o UJs.Y i s:tg4Ltas Callphl 411 Itrpors kftr rbrl rrpnC: rnoarlor: see OLr rrthNo a: vero-mailmlore. Cots Ca0301 •:tar t n iK1* W& red; Weled sir-'ice rnn 0' Cepnl pre rlrniltL'N COtrom:bn.,d Agl-:t Riff:ed.•: 2006 Captl.*-'. M -CAS •: tIM1a05b -1 -03.261)8 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: e Don t staple or paper clip your check Lo Lhe payment ellp. • 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 I C-digit account number on your check. Dumpster divers. Phishing scams. Pickpockets... No Irlancr ttiha1 tricks idt-jltity thievo, use, ynu 011 ntly on ID Akrt foi- adv'anccd monitoring to help kc-:p your credir.wcuru. And ro ]Telp you rt"wer yuickh• if }am're evL:r a victim. • Daily credit monitoring at all three credit hureatis • C:rcdit al(XIS [0 I101.&V wLr Of =ttin aCLiVkli. on VOur credit file • Llp to : 50,0(xl itlell itl= iheft immirance (with rH) deductible) al no additional cost to you Enroll today: Go to www.mylDAlert.com/cpn -°xa:rr'r.:r:::::'y:i:::: ..::r,:}'r•1'rtic:`:'Vclm:: ..::a.r::?P•er.P,..rv-i:n'1 eo6S '%,:?acn:r,:-PV nr•:a:cLCr.::r.3:H•.aJ.r•wltlf',ryxanLW10'r :1::oaw:t:.dWl':ePS. .. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Duo Date $18.482.131 - $185.00 $0.00 $153.50 = $18.451.41 $184.00 Nov. 16, 2009 Sep. 22, 2009 - Oct. 21, 2 - 9 Page 1 of 1 .1. v.csscv = E-- TINS rWtl.l MasterCard Platinum Account Rewards Summary 51764672.7712. I rr•:Icu; r ?Itk t?txcc•: ? Se% Your Account Information R><MANW Erna. 1 t r. ork r 1 IMks:s.reneclorsposxsauirgtisbiargacli TOTAL CREDIT LINE S1 s.?, CC4.C0 +.•,^1^tk t1C1t1Iei•: `? ?:;d TOTAL A','ArLABLC CREDIT .5545.3:- CREDIT LINE rorc CASH $1 G.CC{.CC' Payments, Credits & Adjustments AVAILABLE CREDIT rOR CASH 5515.39 '• ';T r :'+I: CI r S Cb.LL• Transactions 2 i"tC47 FiPance Charges irkaa. act rnrac'ainranr: in'ornn:icM CiCCT ?irG;l :l riz niaL : X.-,4-- r?. si fs:dntuorA,:e rcri,ilt Crxrt+.yn,dng FaiANCE 14 XT TRACP:RSLmcT-CC:1Cic C:':RLISLE rA "'1 r.•y Orr.liecz r?• AM CHARGE I!CCT ThCrsll..+11T:1:11l:Ia.Tt•CLL'Sr': GIMP. CAMM 4,1V Cs:l :I.LI. L'.?-moo C r. :1.•?e .a('.LL ANNUAL PERCENTAGE RATE applied this period: 0-00% At Your Service • ;o:ow:;;..c®i+breran,o na'age,mrauour. or':4 14wS 57ti-0:o telar a ls:or vDW cad or qx4 :o Q¢ore- PeW:iors 0 Pay Online r. eascertalre.cor or retimprirer::o: ?,apsl {re 6erl. iLS! i L_+.. • P ? A.6m:. 1133 •'?s1vx I: 7a? -IlS3 Send Inquiries to '.a0?9 vrr P. Q.6m: 34,:6 • SaF. Ld.e CIr: Ur s' 13uirlaA Manage your Rewards cnlim t;i *.ir. king ar:? 1-i•uu i3ui I Have a quesaon abort a charge on your statomonV rkmcrkt%3cGltn3Fljt:aS%.marycn3ct? kct'sur :r:erxr: cn'r..i: •etrw• rrr i:Acncmni?i•ro.xr. SJC3r4 PLEASE RETU RN R RK MH BELOW W[TH PAYMENT OR LOG ON TO YtiJ':J'i.C:JMTr.IPHE.COP?I TO MAKE YOUR PAYMEM OHUNE. 1 5178057279228881 21 0000000185000184005 Account Number 5178-0572-7922-8881 Due Date New' Balance Minimum Payment Amount Enclosed Nov. 16, 2009 $18,451.41 $184.00 PLC-SC PAN A.7 LEAST nRs.-WOL11.1T #9029555181588525.4 JOSEPH P RUANE 333 WESIGAM DR NOUN7 HOLLY SPRINGS, PA 37065-2010 11111111.'61III 1111I•it I-IIII lot I,IIt h1 -11-1111-1PIIll III II BE SAFE! Your trash could be an identity thief's Od, Manage your account online and end the pap" trail, 5ign up at wwv:.tapitelone.wm Capital one Bank (USA), N-A. P.O. Box 71083 Charlotte, HC 26272-1063 fill III911.-it III -II III I'll—111Ilr'll'1'llh1 III11111-1111 Please make checks payable to Capital One a" (USA), N.A. and trod with this coupon in the enclosed enrelope. Protect your credit against identity theft with ID Alert Monitoring • Credit Alerts • Up to $50,000 identity theft insurances" Enroll at www.my4DAlort.com/cpn +°•:r..c .e'rcrlL•, •,:•i*-r% GhiLi•p.•I-::i-jwf'!mrt:uiT.:'•A.-':ra..i: :':{a•s:i-A:yif kA•.•S-,011_::•: Ad. IRA .,•,Cr. _Y.';Y ,9 ;,1,!1'x1; `•:el :'e':''S:; g'3;1,1 ;r lo, p;'•'• lr;••• -Waw; ltd rI„'t•,Ce:B-dlp5'x:; ,r;1.!Ph _r„3r`rL";s'3 CA'A St:il? rt,*.l: t•ag? nor J':;t J•* *,,' ft: Jt':3'r r• mNxk 1. l lavtD AIDId a rlnar" Charge. a cqc , Penoa rou `MI I,xe a rdnr%m rin a Peel 7 23 JMS "I.O11'r Orate CI-arge or re'-- prctOWS, net' tOw" =sere. POWspcte ruktOWS and M: otter Charges I':oL rt' :osr:aM'Nr.. CnlarcP.ln smoWArm rte 711 Irsporam k0-2-eaOr fss•:rMs reloY:,anu r:lne for t:o M tredrec w. ;our r inerr.. due call. lent it to grace rerbd or cash lfr arcet Orin tpeClM7frt'eet.lt CItlOtgf. lie se is to grace perbd or w.:mrscW-.IOr r :Otl dO r0= Pn'::I1e:OrOl 'TOrf EOLxrce." 1'.,Vcnlog mreece Charge. Ti rsarbrs -asitli are rot ss tjec:.o o gr1Ce pgbd ate nises m arf.'ir•Ce Clxll,e 1: iron To dote of 7'0 :10IN\aC7On or .'car. Te .kte To :ramat:bra h protested o rose Atcoir: or T•'qn :1'11 •IrS: CalnafrJor olle"Oer=billing Peoria. Adrr:dvlL'. t'JOu 'Me r0. ra... 7e'ret: L alOrCe'tom 710 PWAOLS Cum Cwlal r 11. TMCe Charges Conan" :o aCerse :0 ': osr urpak iaeirce L""* I"tatara L pclu in 'LLnlh Mrs, 1; :vL M': sM aTe'r•aree c4l"ge, r-en 1^:oL rn'::Ie errs Net: canMe Inc W on TO •roa o•:OLI xa:ener. IN -.I-* pa;nen Du Jxe.W. JK rot do so •w:te r.w"s r•rorT. Urpk en rce cl-Or,et Areadded:071e appocaue segner: ONW A.ecour.. C. k11Mrildre nnahco charge. roreatn burg rerbd :tor: ;Ovoc0ow. K irNi M. Ma -raMe ei :age. Ti all iri :¢atrft-Nts [ CI L'J:{-E o' SDdO r:Lie r yoSoo. C. Terapowe neduCJw1 IN nitawe chalg0i. Y:e ieser:e TO egt: n to,. assess an: or w Taree chages br M': glen UWrg;xL 2.,x'.emget0like GaWCe pncrrding Nee PUrChaSeSj. Aron" crag! K takwaW t': M"pkk'r•g :te dale: kiklrce a' MCI swrYrt 0.;oLrw sR h.%. Toth fal'.mte.;unease. I-Ifit Vet. and tretk11 pl.rei•au: u: =re C'oneirOrdri, tar: Periodic ra7rs: T.T. tors seer PrWAOLSL' disclosed a•:OL. A' '.I* Ma 7 enet Cx': aulrg :he 1,1111irg pe1W, we npra:ale cow': peadlc Tax 'or each se;rec.. O•':O1. 1 OCCOLa :0:110 cow': LChWe 0• ear u,r•.. -Yen a Te end a To Wwg PerbiL r e add i.r. :he les US or low axe: CalLb:brn :0 OWa 7. 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Lbes .v Jn'.': :0 b.S-V;<Sen.Lv< capimiare sLppons raorM=bn prtwa Fm:eator:ue osr r,eti to a r.YRA•ataobl'l.COn Cailrml :.re it a YJemr: IN,L:ereJ ur;Ks" Mn. o' C41MI ore .0--.s reter:ed. 2008 CaPtal•:tie nraMLN Corrora An.:r Ng -C:oa 1DIdWU-1 •03.2fvt18 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don t staple or paper clip your check Lo Lhe paymerIL shp. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay pruc'essing. • Please don't include any additional correspondence. • Last but not least, be wie to write your 1 C-digit account number on your check. Stay on top of your account with 5?03tc^ Capital One Online Banking. Help to save trees by signing up for paperiess statements-there is always , up to13 months of statement history available that you can access at any time. I It's easy-just log in to your account and click the Customer I Service tab. With Online Banking you can: ? Check your balance and monitor transactions online 2417-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 customisable account alerts so you know immediately when certain transactions post and more... Enroll today at www.capitalone.com FINANCE Previous Balance Payments li Credits CHARGE Transactions Now Balance Minimum Payrnant Due Date $18.451.41 - $185.00 $177.33 + $229.95 = $18.673.69 $364.00 Dec. 16, 2009 Oct. 22. 20..14 - Nov. 21. 2(109 Page 1 of 1 '`•?• ?.G.6"t?1V1 .w THISAWLLt MasterCard Platinum Account Rewards Summary 51784ISM792MI Your Account Information RErrltlfps E.> nK< 1 E Fokc TOTAL CREDIT LINE: SiE,.000.00 irelkcs:nrsec:brtposrasuirO Fistilhycyckj ti`..^.IL TOTALAt:iJLA11LE CREDIT .5526.51 lie Wtirce_ CREDIT LINE raR CASH 51 C,,CW.CC- Payments, Credits 3 Adjustments Ab'AILABLE CREDIT rOR CASH S30. 31 ,? Il?\' r':• 1.6E1•r Finance Charges ITk sae sec rc<.L m 'or inrunr. in'wnn:icn i GAW%co u,-.o rcrb.'rt CnrmcFci0M FINANCE arrfiec ra;m AM CHARGE rrrdta'•cc i;' :•T', i.tin?Tna C 11.?;?; $'T Card tii% ia•? C =1.'S!; J.u ANNUAL PERCENTAGE RATE applied thie period: 11.24% At YourServlw-Co-.oxa-..eopLdor#xm xruregecmrscout rrCM1-t1A15 ;.- . 070 -.0 M, or a Es: or rAm red or g* :o,7usmer Milers ® Pay Onanoa-xs..cari:aare.cororrstnLrprrrer.:o: ^{ral {Te 6a11. it a& i I.A. • P.0. Fk ? li 1! • •:Faler I:: 'T,; 2.1133 Send Inquiries to: Caphei Carr P Box 30:86 • Set 1.40.0 Ck; Ur s' 13i•u'_86 rAwwoyour Rewards cnlitcL'y,.k fin 6r%at I-lUlla's3EM I Have a question about a charge on your stoaoaent7 Marc ret+ .c 'tc Call Rbl w Strmory en 3 c tatA C11: c ur ::cenrr: cr :IUY x•,tR=.t•?+i;dau renrCNr,.:ac Transactions _ %21!:, :iG :rr"cbffor.. c:l!_'•, ',Yca.:oip,:T? iz :•rrsdl3d:d•'= rA C71!:'v TI .Cr.':LRI4TA,'-d1.4_IJ•TI{-LL',' Sr/•. 121!:-, TI •Er..'IR{TA,MLh:IJ.T1<4L5r'•. I I!=a TI •Cr.'11ANTA,:11.10A.TI{ALL SRA.. Ic I!.", Y;Id sUrEfCLN-EF. ;'•.F.Lk.LL P..•'•. IR I!:b si IEE-Z OffG I r 1 ICLLT srr<.. r.'. V. 0:?6 SI IEE-: Izz17,091•.r 10- LLT sm-3 r.'. 'IC 15I!:b SIICC'Z tZZZT7'99I-r10:LL'TSresr1. PLElSE RETURN PORTION SELOWAITH PAYMEW OR LOGO" TOWMN.CAMTALONE.CONI TO MAKE WHIR PAYMENT ONLINE. 1 5178057279228881 21 0000000185000364007 Account Number: 5178-0572-7922-8881 Due Date New Balance Minimum Payment ,[mount Enclosed Dec. 16, 2009 $18,673.69 $364.00 PLL-SE PAN -17 LrASr nns k66rT #9032655181688528!1 JOSEPH P RUANE 333 WESTGA TE DP. NOUnT HOLLY 11PRINGS, PA 31065-2010 4111111111•Id111.111114{{11111.1,tjt.,,l,,ril.ll•d.1 p61r11 25 5:4 S'Ob.LI',• SL ii :2c«t i. C- GO PAPERLESS! The trees will thank you. 50 up at rawvr.cTPitaIwc.wrn Capital one Bank (USA), N-A P.O. Box 73083 Charlotte, HC 26272-1083 1111111.111.-II11l- h. bIP11.-111111-•II-1111.11^11111111-1111 Please rrAe checks payable to Capital One Bards (USA), N.A. and rrui with this coupon in the en dosed envelope. Join the millions of customers that are switching :) 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! cm?ftm?x I to rto ASad a rlnmet Crargo. Iwo Poised. uu tyl tare a nlnrihn,DM Poem 0' 26 dart htl-olf. tonee cl-mp or roar pjrlrates, net:' tolorct:tions a s. rer'sptctr pWClaxs Ord M.Y OJ'er thalgK r:" ID: wi vor.-A'Nr.Y [ alarc!',In oocordarce rte' :Ix Inporale ko:Dolor romms telo .ord r Jnelor t,.o Le credr.ta Lwxur pa':nenr. Jut eaa. -this it to grace prDJ or rash ad:•rrYes one speclalmrVeh.Ir aldtlor.:he* Is ro pace period or rr'•: -mrinclor If -.w do ro-. M :110:¢10 'T,tw [ .,lace L. ACCrrlllg rtnrlce Charge. T0rsac:la's11lk11 od M. sL tlee..:O a gram perDJ are assessed Morce CIYr,e 1. - 'ton J e Jae or 7e TMabn or Ton .to door .nniae:Dn It ptotested A':ohr Ate"'of Y. 'Ion .I.* 'Irv. Caend ard.'h' or :Fe"rer: b-g pesx.AaJl?rurL'. r'.nu did ro- ID': 1W -pled C Ob CrivnJx W "s C1Mr, ptllel t tl. rorco ft"" cWthist :0 acrM1t :0 ':o4r W park krnrce 6r 1:1)0 LrpMl talarce r pall t 'Lamas -hones an :" err: syaR tnnee crapes. e:an 1••:oL (A•: Jot el'JN NF.: c.MMe MDaN on Je 'rorr. 0•:"r s'.aener'. I; Je Pa:•ner-.CLe dae.bL: die ro Jo so'orJe preIOhs na^F. Lrp* 11nar'ce ctwes area ddN :old applimbr signer. d :olrAeeour.. c. klmldurn rlnalan Chafgt. -orlon LIMIYJ patio -tar ovoec0ur- h u&w.. A mine cl:rgt. o nrrnun :aarlNArkx CI V.R':C 0".40 40 Pik nposec. C.Ten lgafarr RedUCJOh In 1-111-Chibrget. 'r:e IeSer.e J.e Ogt: m rep assess arr.' oral farce thalget war: glu Ltg period. 2. A'.arege DgiG' Daade pndWng New Ptr ChoSes). nrarte clargt IS t3kukT.4J t: nLt1Wrg:re Jar: rnkarce or each se,r'rrt o":ouroccour :e.g.. Mtn cal'-wee. ptlctow. sPe _h3os'er. Ord spedrr Pu... U.- -.I* CArtespordrr; earl. pnanc Dais: I.W. tat riper Pre-104,1.' disclosed m:AL. A.::le era o' each cr.' eLrl g :he L!g peeoe,re MrJ: Jae COW, rerlWk Da'oreach se,rnerc o' :"n aLr0ur -o:he'aMY Larnrce ereach urrxrr_ -Iona :re one a cre wig prDLL -R ads Lp -he routs d :Fete Jai: cr1DLDnnt :o arse a':"r Ferlak emr" etal,e w depth segirsom re add 6p :1,e Rs LrVeen eoet se, rem :0 arve o: 1e -.0r.-A Periodic 1lnarce d.ar,e'or':otrrkco r. To gr. ri d.•r.• tobra'or each sell der. Of :"r reco r-_ rep :akeJx LeprrDr, tmace for rat segrxt- Ord Ode Or. rK1-DhSarloh5 nrJ an peeoeD tact enolge rokukrid an Jr i'R:lous ea': t Lolorce dr:ha tippler.. Wo, 1-or tuUJx. or: rD,rnen:s orcRJts posxU as v J'a aces Jn: am Domed :0 J'a signer- Tait ,L'K us J'e So M.. V M tollm -or wel' wgp. d':o4rate0W: Lorna-N,r':OL ro :tip tle.Y C pore! tllo: T Ora wx pd toLS s:aererc r'L 1:orl' ';OLr rerr L.'alor ee rats zero or a tmM- a'alr•:,ntr: :rnrsxlon,kh pce:.o•voLr plctatt orsperm pLrchase u,rnerct are oar. aeJx :o :rt Jena' botukel ace enkuka:eJd w'eD,! Jar.' tnlnra t'::4ki•g Or :tip JnR: Inlarces mgeJer ad rr'1Mn, :rte sun U;' tip msi eror :he 11.s In Je cLhert Mire ncd. To CakLlat:AW -oar .. cta,e. ntIFW,.AW a-eb,e dndU NYrrm t':-.he .1•: pNIG1c Da and If; J'e rwr'der o' da.•s It .tip tHaw period. oLe :o tounmpr or a 1k W.• rash a Juno r'rnrxn 0nnrce CFame atsKtfxr:.:lYre na: W 0': arlonte Le7nver :Its cats Wean Ord :Fe sera.- o face chanJe an.ulm; assessed. 3.Afn11d Percerooe Roes WM. a. -1'e .em'varLal PNCerrace ntte' My raprMras ",,PR' or Jletor'. of 11% smaner.. t. I'-.Iw code P %1Lare1'e PM!•.L • dmnerfr LI[•:4t•. C :unraar' CD. or S -Carecad Prre• n1+Leors or:Ft'roa ace's t-aenerr rep::o Je Pe1oeD mre•t •. Jac nrnlollc rotes Ord colesfonarn AId JW . PCRCC1V GC W 1C5 nari:art'eLwedl ordrwrckarseorderr'easehoses or :he s:n u Indies. as t"rJ In TId Y:a15:rK. t"RM. plLS :tip namin pre:'DUSre artdtes :o ;ALL Tttse cl'OrrNS wmeLe e'tcrx on :te'h: dae d "rtAelm PMOC to:lRJ Lp"iorJM106D s:aeraa enarn b :te norJ's or lacuari.AJaN. More we •: cotes. c. r :tip cud D -Idorl V Prime, r h1OrrIW UC :'R•. or •e --d"Ury LC':R- aMeas or-Je'torc o• OLr Ilener: nee-.'.whe rehudle Da•i .:t! prDJk LT. ft me COrdSGOrUIhC AkkLAIL PCWCNTA-iC RATS ro'e ='ae nortli' wd norompow or eeclease IDSed or 1W mWd rd tes. M 1%nl in The V:a1S:Rr. ioLrrrrl. rot JR no"n rie'••DUSri a rtl0tee:0 YAU. 71'4110 cl wne%-rmp Le rl+er.L'e or Jdtn: m'i a lore blltn Pena each earn. ,. Atsesvren: of Lad. .:Vero* ord Resumed Poser tell llhllr J7l:Kr'B d ? OLf CLt:OrRrnO RlnMY Rser:a:nip Mt. :orw•earep,.o asert art feet .1-0L. Prior r'o:IJTador our rWT..o assess :le sane ors imenrlees W. a e[HJne. 6. kdhbomblp redo aka Renewhr0 Your Account. 11 a ranLehl'Ip al nMtad or.k IN. valinam. S o-M Crock Jt 'ee V -*u rerwov. w ease wur actou: `near- 30 dar•'t o 7'e Mraa C:M Smarter: Y" IY¢' o01Y.DL! :0 LSe-.he ocCOUC Ju1M Je 30 eo•: raced wow lALr mares'. r-^ Jo n¢ rap' crl etwpoi. ores or J't imur: -tT It 90 dat*%. Of I'YOL Ls!'e"rCR.C Ca1J OF ace"r: a:es'e" Rr}es: A CI05l, a'e r1lnIRRIIla Tee ryr Ocesee rer•.TJ nae;l Rr's'T!e.0AW Woodr- 60bskV or Summndng lour Atcou n:. Yoh ricer' mlues: IW'eOL r WCOLIT to closed W Cato a'rrtrn our CLi-."-*rROPCIOM D"W7W: A:-co ax 0' ;AW RgLes:. re r7rloadt, 'at aeJrloRNceans or cbtern'i"r ncc phn:. -tip r'We reLde IDTrorr r' m.lor. r'i" Lie 'ioLr CRat a= or cFfrOes IAt- ID .01.1.0t00Ur: arer'rAU ask Ls -.0 cESe y od r wcour. re Car kleP?AW are" r. "er or rooter t. Y:e -'Ire cMe or tLtperd Ywamur: ard'eoLr ure•- A olrar rrM.'.\'e nai Jo:lit rr. role Joe and sot are Rasor. r-er r:wape to It do"L:.usrenuor o'•rAW 1000LM Cor to 1,e11'ren: or 10MOrrr. r'eoLrrkmW . IS closed or%LSp"dev.pou nus: imp used y" r cleat "" Inc act"r._YOL nLt. also cancel CAI Me"J-on*-ee bin nlDnelnlr:S :O:IIf WC" r. a'e -A r0. Jo 11% ToryoL.r -R dose or perroner-W sLtpeN mW acoarr:.'e" not: ols0 det-iW ON cmdt cards one actOLr. Attest Mlrk1,YOL nw. %J1 Mail anourt'e" o.,* Lt or -.I'e aocOLCL r-H r Je'[ cored chrrnee Me -,oL r aCC"rr r closed or usrrnoed 7.16bkel0 Pakmen,.t Payneat'e" nil-.o us tvmpLa ~.m :0:•OL r accom as or Je LLSlrets Jae r? Mehl'ip t. pro-110111-t - ," serf :le boron ports or-F Is s--amnem One'i"rc"ck In to ercrosud Rrnt arse er.•obre Ord 'tow a' or.. h dtee-te r oLr mcesslm cerarbe X n C- 1. Poor PT.. Prato-Am- a low.'1-e-e. tusrdss Jail for pot:- de1.'eri. PrkT :s Wer;ed U; us tiler looo7lon or r my oiler Wn rune' w.. to croe ted as C :te drrr• re retekt 1-on. Car tusinest Joh s an 6lordae a mnh Saunlcv. e%elUern holws. 8.NCrke .sLOW C lemnlc Check Common. ?--W ;06 pw9Je a tlxck as ro: sere:oL aLJ'ace Ls erper:o use keorr'n:On "an'wx Mock .a rage a ore.Jne eleta0rt'LM rltt'er'dn •:oLrdopost actotr: a .o process :Fe pa.Txr: cat a deck :Lrsaclor.Whlr re Lie rvrnaror'ton':ourclock:oodeac Mcrorre•Lw mnsler. L rUs my L* rtl'dlr w -ion ':OLr depst act" r. as hoorah Jae tone err: -:e Ruhr. : our r1.n.T Wr..Ord :" Y:Nro: WMI'.e •:OLr Clerk LMk'Rn'.DW MorCtd rs:nrmr'.YOUrrxJ-on,n:ar. N rep ended t,;-he env on 1-ir CFlck. lt'e M': RS LLnt ale orc7onkolR compel. reJ.Ined pa:her:i ?.Darollp:Ct•. I'•:oL ore er:tlea .a borkngrr: pff.er.bns'a •:"r Ccour..I.mcommwtrloraorL•wktrmJOrwd pWptes. I-. It rep as M&I'Vr W t011ec. asest Or l tw'N a Jell or doen. Do Irv.. serd a': pa:nera JrMA• :0 LS -,thou sp"D, mJi :AW Wish. pr; amornev or -.I* CarLrLpcr: COLr...r :AU ear': A cor:lr. us abOL-:"r acrour. or•our lnMnpr: Pwffdwg. prate 110'0': of r o'ODe: wff.nr: I.S. CILLrl3 Rp31•TS SLMd11A.171 : r Cm 7 Crlors or • .uer.lors nLar. Y"r Ell'. 1":Ot,T&L ur LOIS -MM of If •JDU need rw* rbrna]or on n-.wuw.10r or L6 -:1a :o Ls or a SeraMTe SMe: -a SOOT at rASSIR .n".:Ilf r4hMets want LlnK SFO:.T or J•t'ror[ O':lat t:12 ...We rYt: hear •Ar'1'mu no ImerJan 60 ems rarer -:e ser.:AU Je as LDI or taDt :nip error orPld11ln rrpraeaeJ. lou = Mr oW CLrorw ra P&.Io s mnW a rar: tat t•: er-arlar,a.todorgso•.-MnwpmsK:e'mwrgnt.Ir '.ALP e-er. ,te Ls x lelloatrg runaJOr':':"r raid, ard nct"r. rw4w.. -.he e01a ar'ar. at" s4spcW error a cetaItZn of To error rev an ezplarMar, r potsw. W -.1u ':" Lore: a Jeve e or errOd or r'.AU need rdR 1'An Tlor. n eetcrit:Dna or Je ten-:o4 aR W sue aWIL 'you do ro'. FO:I:o ro•: am order: In gLKJOr rate -rx aid, I-- Us: ':" net t'J1 dAW..ee :o pa.' :Fe pars orvorlba Jae am ro. r eLerlon. WP 00 re 11RaS:eJ.T.e zW F..Llt-Dn. m COMO: repor. :" at dempgLw.. or mkt ace: nc:ror-o collet. Je on" r:•: oL rLes:Dn. sprl-d cud led C". Card Pwilases For a r"tdn "-.1- -Fe qual: W prorrr.: or sK-•Des :hrr'.OU PL ICI :Itee t:th a CRC t core ord'wu nw'e JIeJ r good Innis a Co1ec J.e r *IeM r11' J'e romaor-,•JDU n0• Fare J'e «yT. r::0 rAC see Rrarnr rg an0Ln: due or Je proper.: or W-1tes. "Ou ha,* Jrh rrueclor orl': wpon Je pL repast pree r:ns nae 7m 4.e0.00 and to r.m*nse ens rood in :AW pax sae or r.%V 100 miles d':"rr hoarg add lots-:I•-:e orr or ore"." Ir nerel-r."I'r:e named :AU:Fo .rterhlr*r. w :le proper: Or wM kei rA pLrchmn isle MV *d regakeess or W *6m or IOda or o PL Idol.: Please Rnernser z sl,r ON Caresporrerkt. 1 as :0: a :.y :o s.u .r s :;cA.us COplml re SLppors Dbrroan rrVOC; pro:erloraee OLr 'rMSte a ---nerv-dore.con capml c•re a a+ndDlL' WWeRd serAce mart. W Copal :•re rlrnrk,W COrpoD-mn.la DIJF:S Mer-od. 2ace l:.'I cd-: ne -CA8 •:1DLA3056• 1 • o3.2:roe Changing Address? Not quite ready to make payments online? Address .................. _................ .......................... _.......................... No problem. Follow these simple steps to make sure ..... .'... '...... ...... •••• ••' ..'.... ... ••• ••• Home Phone .................................... .-............... ........ ........... _. _......... R we process your payments smoothly: Don t staple or paper clip your check Lo Lhe payment slip. Alternate Phone.... ........................ ... .. E-mail Ow" - Be sure to use the payment envelope that came with your statement. Using d different envelope could delay processing. Address.................. .................. ....................................... .............. , • Please don't include any additional correspondence. Please pr n: acd':ss or Acme numbe' clzrrges aoo'ae Lsi•g blue or blxt ink. 0 - Last but not least. be sure to write your 1 &digit account number on your check. If you cannot make your minimum payment, but can pay at least S402.00, callus at 1.500.955.6600. Your account will not fall further behind, even though it will remain past due. JOSEPH P RUANE ,14A Je it could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean louver interest mtes) IMPROVED CHANCES TO GET APPROVED FOR LOANS {when you want to buy a home or new car) a!(khl1.kllh.I..ON,:f.:iprluiOn'.Isa(rd•r'nl7rnuiner.clnor:?r:n::rk. All right..a:rn•rd FINANCE Previous Balance Payments& Credits CHARGE Transactions New Balance F'lininurl Psrrlent Due Date $18.673.69 - $0.00 + $173.68 + $96.32 = $18.9143.69 : W7: --.0 Jan. 15. 2010 Nov. 22. 2099 - Dec. 21. 2009 Page 1 of 1 MasterCard Platinum Account 5171.4572.79226=1 Your Account Information TOTAL CREDIT LINE S1itCCO.CQ TOTAL NVAIL ABLE CREDIT SE6.51 CREDIT LINE rC'rs CASH $1 G,CCO.Cc, AVAILABLE CREDIT rOR CASH SS6.31 Finance Charges irk-.23e acr rc L r*'u inluar. in`ornnJoii 07.1myom-c. rorixG ':onr:-r.a* rt9 FINANCE afilicc u 1[0x Am CHIIIAGE Pwcha(u $'i :>•C: C.CK-11 rre C 'I'I.2-'% Ca:d :i %i ilat C 21.'0: J'.u ANNUAL PERCENTAGE RATE applied this period: 11.24% AtYoW50rvim-Co:ox•,r..(widorer mnraq*-. rra r. a Cd 1. 00,':J 70707o RI a: a ls:a szolit cord a sped.:o 0noire Pelrors 0 PayOnlinor.11xecwialre.roror reftrPrirer::o: Cowl i're bail. iL,i4i I.A..•P.i•.em.-N 11•CFabx I:: 25272-1(33 Send inqulrlcsto: Goal Orr P.A. Sax al's: • oat Lde CF: LIT 3? 130-02i; Manage your Rewards utlem L';.' a'al I.5W."Z X I Hama question abou a change on your statement7 rk? •a mkr :( a a lsRin9 fJ7 t :3 5r.nn ar; in is C acL i r :CUT •:A:c-rx?n cr.'r..'r. xxa_.r{+[Alata_ronia•p?.:r.. 1 •r --rr- •'- - -n'-'rr',,.I. - -r :? --rlr - I-. --. -- ..I . - fir I, I -r:•Iir -r I.1 :I r .A•;...n. ., Ir ... -1•.:, r'.:.Ir r r ,I :., r I no .. I. ... ..1 "Inicrmt:bkxr•`loaAcr,on.wA:l r..:d,.o. Lrdrr-boxm, wepavk-r4inmi if;ar CL'cculr i3 r= dw again in Ile nex: 12 t ir9 c;cloo ;ca l•.rnalrcrcttw?c f<.a;:o l;?•rr<sj rcT; icreaw. Rewards Summary rre.k-r A:Alrxk trtlvr.c- ?r 7r` Camcc Jb r.okc: ircirc.s aarsacbn poses aer0 .ris bllliq car bl rcr'ota: 3 t. i c-&,: a'.aibtli• rxtttrci•: Payments, Credits & Adjustments Transacdons 1 U EEC. I IESS:ia'•ti6 raci'•-RUSLE 17A S2c. 1 cC cEC r,iC'srsi:•:'t3icii' i.:rciti:tifti!:'•"'r?. .....cl is CCC rAST WE ME iC 'Tcu'mrea:•xa:tttafa:•:wc•ketc, wc.yoLrnhimnfgirtcirt.-3ror. rexicaty:Ix.dtcea:c.TC meta * fee ir 1ta ip7re 'ea ar.cnrtord :ItA: ;or nan: A:lr•As.:7 ter irml. d ,- . ki -tats ninkv.n fa,riarx rcwf CafinP_nc- PLEASE RETURN MRTION 6EL0'dr'441TH PAYMENT OR LOG ON TO•drWl'l.CN4TALONE.COPA TO MAKE YOUR PAYNIEN'r ONLINE. ?A Account Number: 5178-0572-7922-8881 141 Cat's New Balance Minimum Payment Amount Enclosed ,R:n. 1'•.2010 $18,943.69 $766.00 n B;:,Lra n r 1 5178057279228881 21 0000000185000766001 ?#9035655181688525# JOSEPH P RUANE 133 WESTGATE DR MOUNT HOLLY SPRINGSr PA 17065-2010 I-IIrIII nlIf lr111111., 11,1"II111111 tp1111111-1'11111 '1--11'1 ORGANIZATION MADE EASY. Forget the ailing. Manage your account online and simplify your life. Sign up at w'ww-capitAone.cont capital One Bank (USA), N.A. P.O. Box 73063 Charlotte, NC 26272-1063 nlllllrlnr,uhlth?hlPl1?tllnlr?lhl?lll?11°Illdhl?lnl Please make checks payable to Capital One Bank (USA), N.A. and oral with this coupon in the enclosed envelope. wdrM'A in year -&net? 1.1lo.reD teed a rlnance charge. O.Grace Period. you :ft to;e a r1hrlLn,nee region cr 26 dxs h%= Ironed C I1ge a re'r. PA&MOS,he::• Marco, :MMYn. "-: Spectf PUKI:sus ON rW. Otte thaWs. I'-;a Pa::ar :ool'Mr.. E maCe',M neconklrce hill-Ile Inpurtti ho:tesor Ta':1lms telasv, acrd It :lnefor t:o Le cetdtea LA:'Aur ravnea due fax. -ten It ro grace rerbdd or Cash OC-''arses ano specndlors-eh.Ir ads tloa.Iee Is ro grace rerbd or ar:mrsoalor r :Ou do rr. rcr;Ile :aal 11110.4 COMI'M." L. AccroMg rMeece Charge. TMrsarlors -lsleh me re SL tier: -.a n gear rwtoJ Ore assesses Anor ce ctar,e V. M to dare a to Iornaseaor ".'ran to dace TO oc tsn K protested a'; our necosnr: a 7. -ion :" 'Ir:. caeraen' dos: a TO cLrer: Lfg peba_nedrbnN:. r ,mu die ro: Pa::ne'rer: Emace" hart In PWAOLS Crony rrna or tR'I'arce Merges corthLe :o oren.e :o ';osrurpma Laerc! Lrslse Lrp dJ tolarce Is poll r 'LLTnh, renrSno; s:Mmme lance a-ages. r-rn 1' VOL pm: In erse Nei CrrbMe Noticed onto 'rerc o," mmener: L•' rte px'ner: cso drre•bl: des r7. do Woe TO plr-9o6s nort. Urpfa finance anti es are aUEd :oln OppltoW sttjltr. a•:ar Arran.. r. krnmlrs rdnarxf chat". ra earn uwg period Im ;our accour. Is %*4c: a a'Iranee cl-mp. a nrbsus .anorlns.M C CI. V r-;C ce %OM rMLe hposee. c.Te'npa•Jry Reduren In rinwee Charges. Y:e meser:e to fg1': m Cr. assess on.' aN Tarce ellllges brace grin LM rg period. 2..\•.1nip Dart DaMnce pneumng New Purchases). rranee clop n taeulcred r:rib -"-.I-#dN: Lalarce Or fact Wrom 0";arOCCOLM .r.g.. cash al'.anre. prOtme. specratr0rs'er. adspennpe.rrtnse: W TO Colmesrad for car- reriedlc Mm;s: I-a rat veer ph,-1n.sr: disclosed -.o':a.n: to One r earn Car; eulrg Ise Lttrg Pneoc.:a Cffr:' Ise ono Periodic M1e'or eah serneet 0";osraceosm :o:ne add. tnlaree r end se,rerr_ -ten m rte Ong Cr are U M9 Period. -a the Lp :he nsLf:L a test dN: cnttibYun:o aM:e x. *;at rrrlodic Mm'ce C+-."# -a earls segmer_t1'e tied LP rte res Lr.S'Mn end wrYrt,.o rwL•e a: to :onlperloM 11rarM cFOn.Y'or':oLr x our-.. To gt: to aNr. tararce'Or MCI- segner. a';O6rMMW_ -x :aelse Legrrrr, IaMrce for eock segMr-. ad ado rrr• rome7tr ninclo n and a": pNKKr'rarce tltage ealtulocod on to rrr=bus a': t L010rce for :ha sooner:. :Ye :"t sulLaw. a: rmneen. aendt% rm:ed as r a•a dos: tar are Necmod .0sego ... Trn Ves us to sepmr dint' Makrce'of Mct segner. a':oLr rrMu'_ 1 a-*-•er.r':oL Tall I e Nrv E mace ihm.r on 'AU pre'-'Mss s:aenerc It 'L IN or l' :OLr rt• Lontinte'rMs zero or a ern: ono r.:.isew :Mrunclort,:dteh Pool: :0•;oLI purchase asretdm PLMVIte sK rent idle r0: nodes ]o :" dML Untmes. Y; e coltlfaelle xrmge dale: rneu'ce t': akrg ol a•e der: 1annees M"Ttrad dive, -.In sun u: to nlnLer of :ace e.'r s M TO ctive C tMh, cxle.To ca"me'Aur :hied IMnrce cra+p. nstyN;.Aur x'erre Jess' !matt t'::he c.'Ir; perwe rah new k' to snow or dx's r -.I* tonne period. 0.e :o reseeding or I aar; rash, or due -.0 r ww%n lharce sl ass siner:.:I'en na; Us aannee LeTRer IVs cirLh:bn ad Te nt-nLr or Lace thanle .C.Uns: assessed. 3..WeMI Percer.ODe Ram MM. a. -F# .mm •Aror Lon Perch noW my amearas ":AR' or' In TOO: or CIS thnner. t. r:IIe TOM P aaresy F IM-.L•rAxlnenr LIE Or, C .• monerrr CD. or L ClrkcaN Perte• apkean or 7'e'ra . of-.M s:merlea: rox .o to infect mm.. In rerlar hares Ord coTalnnarn,%NNUNL FMCC hrrt3[ r \T[S ear Ore' asnredy led MM' rcmease a derrrrsse oases or -.he shed Indies. as foLN in Tan K'aMs-nr Journl. fdLS -." nrnun pro-A)llsly cselosw b you. TFtte ctarnes -1Je a-w.r-r on" 'K: to., of *.L*oLrLdllrn pwloe co-'end U' yosrpedoer saerrrt enern In to na:rS of Jlruaru.?lit. Jury ano scoter. c. fate code D i or-j v Pate'. r • Horrhr• LIC{•R.. or •i -nasdrr LC•: RapseaK a I'e'rorc ryar s-.aerxr: new. :o:m periodic Mrs•. to Perodlt tiresma MmtFadine M nL:a P[ re:[NTn•s[ rt-eL My -rrr nor:t?' IN My rcmeaw OF McwOLe Lased ale shad Merres. as faced in T1nv.-Wi6or. Jarred. PLS In MmM NeAtusru a Itlosed .0 you. rime CFrrnet :'ML* oftel'e or Iwfet. fay d you L!n rnfa owl' Marls. =..\fseSfrierr. of Late. •:%wMIIL Fold Relined PLyrner. rem. 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We rscr' cbse asuskerd yaraMur: ad yOLf old': a OV.ar rl'N'.'•C! err' db'hK a m"y 7" one for a rensa. tier r •m an ro It OffaL A swerivl0r r •eVu Ic'CoLre cat ke ror worn axnrdony. ryour ntcour K Closed or 116% kecddec, }au nus: sap u9m yar credt cal ano let" r..Y OL ass: also aneel ml NenLt011m bwel allaoener'.i m :he aemr..'Ne:-A rod do CIS fayas.l' :r tae or serrrornt' sssFeN yoLrlecar_ ya TLS: olso dettay N Cledt cards one star. atess checks. Yo' us'. ill par' N Inosn ya o.-m Lt or to nccouL r-w P tey:s'fme C 'ne e'er yaraccarc In cbted a SLSrrfoed. -. Lelkrlp Postmen Foy rheas ya noll-.e us -:MLS a ndtee :o y'OLraccoLm as r It Lsslress day ::r rocof t t. km:reed - 1 -yaa serd to Won porbn of :l's s-derem One yOLr Check M to erclosed menthe" er:ebpe old •rarra:ner.It *tWto r arplDMsslr'neerreU.lpn[- 1: roar PT, P salt aIWV a leas:'f: a -3- tushKs dais for 01"Od dewelY. RNTIOM refer:ee U' W n: m"r o ter bairn or r art titer Win nay ro "cone ted as or to der' w retek'e ten. C•L r tUtrnkt dais are rdordar T IoLnh Landau. exMuarn holkws. 8. Nakor .Wo1R Ownonle Chet Comnusbn. Yrrel' OL pro;ke a tiled. M flo'."M to OLtorCe Ls Otter 1.0 use rrDM:bn TaM'AIr Meek :0 Make a on Ine elerrort'Lne Iat'er'Mn :owdeposr aear:a:ri process 1* pGTwr. at a deck Mrsair.lor.Whor '..v Lie rbataloe'Dn':arched, m rote or ~jonle'Lrd InnVor'Lrds hair M xD-drrr'Mn•:oLrdeposI-.remr-. at Boor as IN tarn ea: xe roam voiLr ptr.Tter_Ord . a -rMro:leca•-r :ourelvtk mc.'10n :nurflnarcd I's:tlrler.YoLratoriralor K rod &Mld r.-.he 0n= on :l•e decd-K'e m': Mt Li NC Olk-MlItNt: cols. rr.LnN ramert 9.0ar"Iej. 1'•;06 are er:rJec:O Larknrrc'; praet:b lh. -Of liar Otdodn -.tt connurecrior L or&; -or Horrel-mOm purposes. t It to an rcoin;c :o totes. assets or rewrii a dev. or eh in. DO ro sera Or.' pruners d anc:L• :o Ls -ttl'OIt SP[akOM VAIN 'JOIN UVArI6 P= 07.01M.7 Or 110 EarkrLpr.Car..r:au-Mr.acorer.usabovvo r aOCOLM a •AUr aNnpr; PrOcOldirg. Prase Ilxr •;OLr I-ohe: whine. is. IILUN•3 R1,31•TL LIR,Mf IRI :r Case 0 [floss or • rues.Ors nL*u You CM: 1' :016 lark •.adl LMIS WWII or r :au reed more rbmaer on .1 r nbr.la a441. :-AN .0 is a a seTafine shoe: as soar :x pots" x In ahlrss brine Leles sl•v:r or te'larr o':hh sh'ener.'r:e rat: holy Vn'Au nO lrref l•nn 60 On:s nnlr "to 'Au To '11m: Ltl or irs'rt:m eforapnLen appKr[J. wou m7 cat our 0moner RNa cos CILMer or rrr., us t: ertdl a-xWe. ru: Lion sow1I no rreur:e •aur rglrs.1 r •;ar r-er. ,s'e LS to bakarg rbmabr: car ran and array. rwar. In Orion anhw. of to sl.spereu tsar. a OKCrilrIll l of to odor Ord an ezprralor.I` possbr. r -Jr; ';a LeWe test s nr era or r ,.w need non, t'brrurmr. n cetafp:bn of to ton -:*L are Lesson a". vou do Car. -.a ra: or aradr: In ¢eslor -frN -.v aR rxs:earg I:, LL: '.*as are t:M oLftmm :o pa: to pars a';oLr Lot 1a: are rw. r t60vilmWello,-aceIr evilp.t'AUrtsosAn.mcarnenror. :016 I! dergLtrc ahle am ac:lor .a "Nec: I-e IMOLr:';oL ,.Lm:orL E•PtrkV padefa Credit. Care P LhIMOS I' VOL Y.Y-r 0 Preen -toll rte lluak, 0' proper.'; Or ser-TK :Ito. •AU pLLIasN'rtth a cmeat art Ord 'Au hare :fled r good Torn a conc.. To r"lem -.rt to Clem %at-_wu no; I-we -.1 rlpt eq. :o pa: In MMrrg ar-4m due or to prOPem or ter-left. `you ha:tlYL Prrtnn.la err: -.+en to pLlMau prt•e nix rsore tan I.-Moo Ord it prchase -mi node M'Au cone Vata :'Mr 100 hales or otrmarg adcmest.•-T e r..r aorente In nerFor. arn'e rxsldd'Au I-e :Dl:ether•mer:brTo pMper;or soulees.ON pLh notsale err end MOMINI ss Cr Onout a I XIOr r pLK+-Ke.', Please menenLerm sl,r ON cor"ronanre. Iues :arxr_; la 6,s.vaarm.Les 0.0101 L•" SL PpOCS hlaM:bn INV= Pr7er10r:tee OLr -nhto a n-YCaplllae.con COphl :•" s a ledeM re,t:emed ser:IM rYee. o' C.aphl -:-re rlronel'd CorpoM:bn. !a fti :s IlserAd. •: 20DO Captol•:tie "C.08 •:1DU6066.I -03.2WD8 Changing Address? Not quite ready to make payments online? Address ............................ _........ _..................... ....... _............... ..... No problem. Follow these simple steps to make sure .•........' .'....-•....'..'..'............ ••• •".....•• ...... Home Phone ............................................................... _..._............... _.... we process your payments smoothly: Don t staple or paper clip your check Lo the payment slip. Alternate Phone ........ ........................................................... _..............._.... E-mail Oil • He sure to use the payment envelope that came with your statement. Using et &fferent envelope could delay pnKessrng. Address ........ ................. ............_............................_.........._..._.... , • Please don't include any additional correspondence. 0 • Last but not least, be sure tD svrite your 1 6-digit account Pleast pi ir. acrl'Css Or chew numbe, dianges a0o.'e Lsi-9 blu, x bb(( irk. number on your check. '? W'3 3Y Coming in February A monthly statement with new clarity and changes for the better. Now that's a statement worth learning about. Preview at capitalone.com/new-statement/rewards FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $18.943.69 - $770.00 $177.55 + $28.61 = $18.379.85 $361.00 Feb. 15. 2010 Dec. 22, 2009 - Jan. 21. 2010 Page 1 of 1 '`•?' P.E-'t PA:` X- I-- TINS AMM1.7 MasterCardPlatirnanAxount 7.cis•nllk:ce.xc-tc:hOlCi• rd acir;ta9 of3o saxnct:`orinfux:rrlxrolMifun kn 5178499W922=1 atccc n :cu xccui: . lk o ! Your Account Infomaation 1111WARDS Rewards Summary TOTAL CREDIT LINE -S1Cc.CCQ.cO rrc,icrra:airlk•hdxco ?i'iG TOTALA4'AILABLECREDIT sexti5 Csns,:11;po c :. CREDIT LINE ror, CASH 51 G,C{{r•Ct reAw.s msmbrsposue vjkV h%WIhq ucFi AVAILABLE CREDIT rCIR CASH 56e•C115 A-,;jL-.tlo Evibrca- ?r'r•-0 Paymen ts, Credits b Adjustments i.t C[c r.-,meEI-r \xzi CC- Finance Charges irkaaa ooe rmmw `or inrcar: in'unnlcni _ '4.?•3. rrivl.'CI r 04.wnrrc- rorkJr. 1:orw-rc FI/IANGE Transadions .TTBc-c L 12r °rR. CHARGE ruclu:co $'8kC' CLTi T?6C IL9°6 g" iS'A4 -'->C-3!W-M-* rrifff6Z•4-r+. Ga:1 ;Cb6 i A 6 C 21.•5% Y.%C ANNUAL PERCENTAGE RATE applied this period: 11.24% AM At YourServlce-P?o:o•an:.ce,ibreAonvrvrage»sreuous a'Cot 14005 .;i0 0-.o leis 7 6s: or nohn cord or "t :o -als:ova Pekbrs 0 Pay0nIM0e;sscsiaNe.cosorsarxwpzarer::o: C+pixl C7•e 6arV.iLS+.i I.A.•P.O.fim: TliSl•,heb:x 1.0 ?3.r.-1133 $Cnd 111f0: 4 0 8 •:? Gre rr P . 130. 30:36 • Set We Ct: In s' 13iluleu - ® Manage your Rowardscnlnrt;•,VAinq ==I Hare a questton abort a charge an your smtemmnV rka:a r•kt x 3c GIAn9 Rfj I :? Scm ar; c n 3 a l act c f :cur •:a:r•nr•r: cr aa'r.'es\R crl,inknr• rorc?i•pr.:et. PLEASE RETURN MRf K\H 6ELOW WITH PAYMENT OR LOG ON TO'WWW'.C,aL J-O NE.CON1 TO MAKE YOUR PAYMENT ONLINE. 1 5178057279228881 21 0000000405000361004 Account Number: 5178-0572-7922-8881 Due Date Nev'; Balance Minimum Payment Amount Enclosed Feb.15.2010 $18,379.85 $361.00 PLEAS[ PAY . .T LEAST TI 115 ?.MOU NT PAPERLESS STATEMENTS ? Stop waiting for the mailman. View up to 13 months of statevxnts anytime-online, ?. Sign up at vnvw,capitalone corn #90022551816885234' JOSEPH P RUAHE 333 YES TGA TE DR OOUrt1 HOLLY 1PRIMGS, PA 37065-2010 III'tIIIrIh1P'Illlhllrt'blltlb'Illtl'•1lP't?ln'?Ilrrn??r capital one Bank (USA), R A- P.O. Box 71063 Charlotte, NC 26272-1063 nIIIII?IIt"uhl'h'hllllt?'llntr•Il?lrlllrll^Illdhl'hll PleasE make checks payable to Capital One Bank (USAj, N.A. and mail with this coupon in the enclosed en.elope. 1. 1RWID,%Vld a rlnance Charge. O.Grace Peno& 'bu _.M 1'a: e a nbe"Ln ;mote Pei" a 23 da,•S h'b'OW Tanog, C4mgO Or rely pucMses, ney tabrct .AansW%. ray SW.V r%WM%&% ON Me o]'er charges r-;OL pn?-0L Vaal 'NN: C:11:1"'. In accoalarce r. 'D' -.he InponvT 110:teW FOVM MI:s telor:.ard r AM ror t :0 Lit cRdrla W -.Our rmnln: due COT. -lire IS to gMCO reftW Or Paul 0r411C1t and %pecltwurveh.1r OJalbr.." h ro grace rNbd Or r?:raSoellor r:9u do tD: rov-.r*mall "ker: Cmara." L. ACCrael rtltrke charge. 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Jo Alt 1011'OL.I' h!Nose or Lerrnner-A: S 619erdroLr OtCrr:.'' r%s: nlso des:w al efea enWs ands aetr.r octet thetki-YOL net: Pal tai. 91 JMWCJ tVL r:R Lt or AY accour. !-M r -.Fe eh eta rMa o or'iol. IOccosm As C bled Of SLSrenoeil L12kM1p PaytMrr:S. ParM9R.t VOL M11:0 US '---'EL* MAN :o-cou accoNc oc a 7e LLSrKS Jai :-v raCe9'0 L Lra•1aeJ.1-'i01, sent :I•e L r.on porn of A•L "menerc nM youcheck In T! erased Ierltmnot er.,M" rIM1) •MI.rpanlr.h wev" It OLI'MORSSM Clair 1W 3pnC • 1_* ror PT•. Prate nrac' 2 tram. •t:e •8- tuUrwss Oars for dotal Jer•'eri. Parxr.% R @VfrC lri us 0: Or-' OJW banibn or r on oiler Vrrl r W Par. K CRCttd 05 OF A'e ,Lri r. ReN-e -%r tuttrest dcWs ae Wordai a' 10011 Salydaf. esrlucrn hoLkt s. Home Phone ............. ......... _........ ................. _................................. _.... Alternate Phone ........ ............... ..._........................._.................................. E-mail Address ....................................................... _............................ _.... Please pr rr aed•css or shale nurntle•:hangcs awve Lsi-g blue of bhxt ink. 8.HO.kt .War C*MMC CMCt COMVMbA. 'IMW':OL pWkJe a Cheek in rb: IPIC '.OL OLA'oMe LS e.ter.o use elblrmbn'pn:Lur theet :o nMf a ore:.tte Nec.ANC •Lrw 7nn'M'ron';OLf j"OSr. naoLr or -.0 process: a Prx"r.:n a Neck mrsac:lw_'•Yher r.! Lie rbrnabr'Ion •:OLrcl'eek :c Mae ar tMronle %rd :hlnSler. %rdt ro'; Lt t-MLIrm.r MM';OLr der011: -croL r at for at AM % or-* Ca: rM NC9ri': 017 Per: ner :." .ot. r:Mro: Rcer-Y':ov n'etk Lack -Ian :WrBnorcnl M:trtbr.YOLr a,:hMtR.br IS r0: owed N!he ov On 71-e crook- v:e ro•: retuInr. orw ~101*01N Coen. rwb MJ rmmor.s. 9 t WNW.CC. I";M are M:rlea :o Uzas?nlP:r•: praerbrn'Or ':r7 scour.:Ft connurtxbr L ord: brtrrro:bhal PUrpotes. I: It roc ark arsrira :0 toreC_ assets Of OWN a Jetr or Plain. Do ro Send or': pmnem db cl; :0 LS %1DOIL s *-*.In, r:th'awa IMAMPx: a:OIM•; 01 Carkn;w. CoLr..r •4ou -w-. D come. Ut abov.-."T nccour. or'AW lMknrx; pliewL rg. plant nxe';oLr O-oarC: COMIC'. LS. C ILLrt3 r1-31•T$ 5Jrf Vr1 :r Cau C Crom r • .utT.Ws nLem YoLf CM'. i'':OL AIr k:bu LeIS reNg. r r -mU deed nott fbrru" on a:rari.'IC'JOrOr W. '..'e1e:O LS or O teraa'Tf 1hft: cL sOr as FOSSM a::M WOMISs br bwLMK %I•oyr OP A'e'prr 0-:11h Sa1enlr.. Y? fYt:II/M'Ir'1 :vu M Iar.M:h(m 80 a:S aYf are ter': •Au Ae 15: dlor Y.PtI':he twat orproum-.",OMld. you can cat our CLS.orw nNxbrs rLmW of Car: us t': eras or rmtste. W. 11org so-.al nor. M%N,;e:bur rtprt.lr ':OLI l-N. ,L•e LS At IONOW" !bT[r30r.';OLr. POrM find room r. ru9bfL AM Corot arOW.Of -" SLSpoeJ tnDr. a ceurp:bll atxe morrJ an faptlradr d• posstrl. a rs1: ':OL IRM:e?M L Or ACIDIC. Or A :OU n1g d More rbnY.r". n cescrlr:en r }f COMM Ore UMM aMW. vOU do ro: ta:l:0 pr 0r arf V : tl l}.ft201' :v1'M •:.t aR r'•?ht7fa'rg Y LL: oL an s:M oud)tr.ea :o pa,' :1'e pars or';oLr bill :Fa are re: r Le Met. Y;FXe',a OF AS.."•our'. MrR CCrrla Rror. VOL s deegLtM r :Ike OW M10f :O POW-. A't aMOL r:';OL !69&1)n. reHm MIA, for CRdr. CCM FLMIM&S I' YoL I my a p vtlenrl:h :4e quat: o• proper.': or str-ttt :ha.:ou PLkrosea'r, rll a area 1 ara nrd:nu ha: eared r good fork a Maw. le rrotien -0. A'e r orrn r%-.IOU ma; me :le rglr ra :o FC1•:"Rnalrrg artour AAn or" popes.. or %er:ket. %'W h.":nn rfaAe:lor oM- lyl'M :H PL ICI"JSf prtt r:ns nre lon twao rd'te I;umaate rM nnle In wx I'r9e %:me or wt4 It 100 nllet Of-^r ruiWg -.A RtS.;I'r:e a.-.T or oPNn:e:he nekl'ar.. rr Svf rlaed:oU :1'f OJ:trltlrfll':'b A•e pa/per. or ter-leet all pLrellass am w--emi regahNKS o' onour rbfalr or PLgoeose.'. PkMe Rnenter v sirs at coff"ponCMte. NWS :,1: b0l -W1 .1Ca%.' CarJal :'M SLWIOM Woiro:bn p(P.W rre:w.br:tot OLr 'roost! a rrr.ttCnlaalorl.COn C.'rrd2M :'re it I weave: R, livered ter-le Mrs.. o• a'.SIri:Y :,re none" Corrowign.: A Agl':S Rser-ed. •; 2008 Ca"-: no "C.08 •: 1C406066 .1 •03.2&08 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: 19 • Don t staple or paper clip your check Lo the payrnerL slip. Be sure to use the payment envelope that came with your statement. Using Or difterent envelope could delay processing. • ;'lease don't include any additional correspondence. - Last but not least, be wm to %vriteyuur 1&di9it account number on your check. 200M 46 JOSEPH P RUANE r 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. Capit? 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 Please send questions or concerns related to the enclosed Agreement to: Capital One Bank (USA), N.A. P.O. Box 30285 Salt Lake City, UT 84130-0285 We cannot process your payment if mailed to this address. Our federal banking regulator is the Office of the Comptroller of the Currency. ANl l )iJu441 0"r, (,eyN'/i f iif? rS n kt?fra;h. pt ?ll+rypr/ X'rA'.(r' Hrgr(' a:f hx'•trd ,r 11 you cannot make your minimum payment, but can pay at least 5402.00, call us at 1.800.955.8600. Your account will not fall further behind, even though it will remain past due. JOSEPH P RUANE Jan. 22 -Feb. 21, 2010 31 Days in Billing Cyde Page 1 of 2 1•8045S•7070 www.capi-Wone.com MINIMUM PAYMENT WARNING: I` •.nL rule orly lw nirinun pASner: eacl• r edw, •aL t41w non v ir.eits. rd I.:vill.ake ;oL bnW b ra,• ii ' smr !:Arce. For cunI II: MASTERCARD PLATINUM YjyyJOOO;.•r,'UX-=1 pa •nen Amount Cach Period MHO A ? ppeaidmre tins m Pq• off [sthsated NEW BALANCE MINIMUM PAYMENT DUE DATE JddhionalCkmgesArtMade St ORROmBalrlce Total Cost 518,697.57 5763.00 Mar 18. 2010 1-Breton Pw wr: 3''rean s".'1x.99 I ;oL wix ld Ike idorna.ior al oud ciedi. col.n:elirg ser;in. CAN 1 aoo.3'.6 ali :. • r I' LATE PAYNENr WARNING: r :•.e tie rot recdw''%r rlfinun p:.ner: In imrdue dirt. Cmdit till[: 919,ACCrn Cadl r mcht l Ytlrt: S I r.CCo or. You nu.' I•awlo 1i:: 1,39.W Lie •ee .. ;oLr APPS rue to increaser. LF to -1-e Pmd-.; APR. 0 223.1'•: mild)h Credit :30 A.valkle Credit for Cash: Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 516379 ?S - 50.017 + s?15.07 + 51n'1.7•. S'18,(A7.57 If'.•:II .:.vlllra ralr• • -nr milliner h -.1i Y-1l; lau •:TII In .x k.YI 1I n' v ,ri?rsli.":111I'AIn.-Ii.-IN 1111I1r'r I: IAxI r- ail IIv nil it-.11 11 i••1' YIl I.r.I.nj i:al•.i•...tAnininiiI.?II.•..I'..iI.IY.•:.,: c16, iv- I:..Ili1 Iv. ••1.• I:.I:f • in n F• nr2mb-?I dsv :a-• ix! dr? nrilrinun- Irr;mriu Ir•; qa. clr•? cal:. 1 r.r•I, -„alr.t?-ln Help is Available rI Nr.ni. is I- A,- iII^j I -,ro:inaI V.YI IIi? rin 11-I ill I:-j, I-,.nI Ir yr.r•1:.r rN . Just pick up the phone. TRANSACTIONS PAYMENTS, CREDITS a ADAI STPA EN TS FOR JOSEPH P RUANE #8981 TRANSACTIONS FOR JOSEPH P RUANE #8881 1 CI rn; Ci•.r•34331r_o1i,Cl Itirr.'kTCC•3 i,?-OGr. P: •. 27.3.1[ c rm CkC;•'3ZI'66WI60IF&KCG3674'•:::PA 2.1.61 ? -otal Transactions This Period 5101.7; FEES f IS r[L' F.;S- LLC r[C S;^i0 -r.:nl ro:•. -IIi•. N-rw S3gr0 O:airPM yL'icar S:9.0 Transactions conliulo on r.irgo 2 Due Date Man 15, 2010 Call 1-800-955-6600 and 3 s17rc ;.: ly Uaired =9.i rail be Tap,y to I-elp yo- JECk yo3r ba aT:e an•, •n3ke PT.Ten:s. INTEREST CHARGE CALCULATION Your Annual Percentage Raw iAPM is fie annual interest rak on tour account T of Balance Annual Percardage Balam SubW to ype Raw iAPM InY/Irst Rage Interest Chargo PLrcPa <s I I.: "s D ; I i,?' l i6 11 715.r..7 rnP role.^;P uro so.oc PI F??sr RrT 1IRN PORTION nrI CAh VATI I PxfmrNT 0R IOG ON TO +1•+.b1S?.C \Pi T,?i ONr. CO PA TO A•LVtr'iOL1R PA.YP.4rNT ONI INr. SU:ryX It could happen to anyone. Make sure you pay the amount due on your statement as soon as passible. Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPR13VED CHANCES TO GET APPRDVED FOR LOANS {when you want to buy a home or new Car) 3a ?0W 6rJlha) On. . (.i?pifrrr flan ia.r edrmdy npirrn d ?v.r::ir work. All ri;l us rr rnrd 1 5178057279228881 21 0000000405000763008 Account Number: 5178-0572-7922.8881 New Balarroe 1 tiiinumi Pifnwni Amount Endowd 515.697.5' )?;:?. IIII??:.Ll dlll? JO:EPH P RUANE 133 WESTCATE DR MOUNT HOLLY SPRINGS, PA 17065-2010 1'I-IIII,•'1•II•I'I1111.111. 'II'1"'II••1111II11111.111111'IIIIII Take advantage. Take control. Manage your account online at Www.capitalone.com th<e :aymerts Review we xnt irformakri AQ • A•'aIegc your „ccoLnl ''I pri:a:y Capital One Bank (USA), N-A. P.O. Box 71083 Charlotte, NC 26272-1083 1111111.111•?111II?II?I111111•?IIII11••II.lrlllell•?11111111?1111 Please rake checks payal:* to Capital One Bank {USA!, N.A. and mail with this coupon in the enclosed envelope. c?rr' -Pue'a in your -boat? iso. can I -ld Paying 1ust,"I charinessT racl rwm:h'.on. pay so,., R •'r. vial-w' in f04 •y-A rar•-ant rnanasor- ierlodo':r dsi.:si:h lw tam lrlurgc on itlrY:C 1, pulrhr.-:, : , balarm -1w., ,, ii crbl purlwc-: and A, other charge.. N-.- rar•- Is- r,r: tg sour -rt iOldl W-A r0 insert':: rhagrs applied and •iscu do rte: pa:•-Lour milt bill in kill roosted in•.r-cramp.rib-m rd.--ms re grxopodod or rr} adrarars. -.penal tsmWer., or w, ary nn': as radon ydtor 111- i, an u,paB balance inn a pmlou, bill. Now is [lie In LMttL chamo appliod7 alines: cha Iges accrue fwn 1w Is datt of Jut iursac:ion. _n dare ate aarsx:ion t procesud or .,firs: ulendir dayof Jet bi'g Mied. Irtertst changes ammo on rwy Lrl+fid anowi: until it Is Isald in fLL'rt neans'em nt' on't news: ctmgts tier N you roe :he miJiv,% w CA r(*, a» r,on:h. but did rot do sefor lire powms north. unpaid most charges aw idded,.o tte proper segrsin! of -your Account. I loam w ass, resolve Jnr rbtt :D no: asess isslores-.charges a. are line. Do you ar as A Minimum Inlewrl Chime Yes rinin,.n Ik-CF.G' d L:R;C af kOM W N boa::-::-d for-1 bilh%3rrbd:ouran LrtisWbj- mantfv:tdungy. I low did you calculate, the Irstorert chimer -IYm arc eared hdatorr. tw. - -d No decrnine:ow:,illic -efulge, I,'o gc: .rw,r nai aoLwcc•r«•rxh<-pox's; 1,-aL- :ho Mgi,ning balance and add in ray :rarar:iwm and :Ix p dodk tt•v:t range on Aso rar 116 L•. day's balance,: , cubwaet any po,•nert. and -&., for :rut,egrwr. as of Isis do,, 'ro moral: I. :ho loll; Is.h - for -art sognm:, I erarrr, N -, rang your pco;b..t memo', b.Ims- Ffits,or i`..e Lf babrce .. .: mm or a emdi: amount. naytewnactb-Alleh pvt:e oar N. snore or aerial ra.scrom xgnm:: a e no: added :O try An 4• balhrarn, Ate, iri ,en:that or-:uhl-so agrar• period a m,w:add-d to th-ddk Is.h -:,:,-e•ind oar A-crag- rai Lalave- I n add ter da4- bake cars tog,•:h•r mid :1 dkid- tre •.I.r by its, brr-'darn It Ar biFrg F k. -,r:arzlr io r-o-.d nom:: cha W- h e n. tl'lyour aUm rrage Aailr bilacr by Ax• AaNy p•rbdN me nod :, rxnFirhl• the nu! b; :I,r wrnbor d Any in ter ANling retell, Ltrr nr.r :o mn.rA tg w a rintu.n n:rmr e.F.xg-.:N, ealnsrion nay . a r; from it, hc.ems: ctxg- ar-a,aNy.n•n-rd, How u n Rej •eariaWo ranual Porcenla9e Rau „Pio du igo? "our APR nay ins reuse or deems baud or one of seen standard Mtn nomr-A t'Ixt:atl sgtet Journal. -o fed which under is Lstd for your aomLrt, look for a coda ,P, L. C_ S. 0 or n w, -.he fray. o' tti rta:tryent hart to:heAFRrA -her check lint table belonr: ad! Runge Year r MOI Peraersrap Pink tAPrn nder which your rata an based on V"R VON r AfIRUeI ..Up Rat! Wilic org. P anarlarl• Pdrte • nuyin p-I.. lr d Wasird la you The an: slay.. 0. L Cloarlerl• LI M • nar,b Fredmly dicbed b you bNby p,uieda Ilene C C"rwrl' CD • rugs Pr bUOYdiIOMod so you trisol in JMUMv.APrd. s 11-kca,d Poly - no,& p,osl udydrelard:o you Jul- aed C.I boo, D raonlosly Prime • nuilal Penony usual a you The Nrss doyo• mob r weedy LIDDR • nargla pardliudydiadoard a you nmithly Win, G Taney LDDR - rhayn prw•buulydia,d®nd b yen pcrbd. .wLh-.,.di Lionel Feesassocs. led wIUs dV aem- Yr..,.rder rorsin rirrurn:ancr.. a: be --od a Ls-. er il urn-d Pal um rer. You rug Aso be aao:wd a-nentf-r. i' «r rm- cfoun ie arcep :Ivn.'A'r r -roc- ate d0r.. V no, rar., fe-avytroi.t pior na-re andsytre..t...nking our rig rt :Fdr fc- b:- f lo'w' can] ("low rAr Aorcoum: Yo I. clay r10iC your acnol.rt bf• rlig Or :Cal:ixy prl-V.:«lor a-latbr•. n.parrYn:, At Ana tF,-, yr ::# rnriAr adefAerulMvL Ntdudbng r ; meet n, N .ou La-:m r rmAi: rxd orchag-•. per. ro y«r ann.,. rt err you auk v.:o dooF ii?t,:o rar'kerr }end xroun: Dyer, V.tul happens N m;AapwOlieSUS[>fD[lorJ7':ts ere dose o'susMrd yov amo Lrt ad your rbht :o of utd: a: ary line and rigs any waso r, ram t y'oL arse no: in defau t. A cough nqs )sb r cal be pernanert or -.erpotxi. a yoL r xcoun-.t Closed orsugwded sou sus: 1 n slop using tau crtdt art a rd xcourn:.. n canal aB aLbna'.,[ layner'ts.. n destroy a lcrtch: cards and aches chocks. and c, pre al a nountt tgL o.,e US, rn114 tfre:aly charged after the accoan: ,mr; dosed or susivrded. How do I I" o Paymanb? Payrvm•. you nail :o L .:, ill be -c i:cal :o }nau arroun: a•. o• sto b-Ii- day rr r- oLr r. aaOng ac 15 •.ou -.end tro bo::on peonies o• tf k aLrrnrn:and r crcrk t: 1v onrloxd mn ikx ,rar-Iopo,and_i proms raynen'. i•. r-Aod in ere o•on.r p.wraing arms-. be spn bcal tine. s-1-r.- Allan a: Fast 171 b:nicrt Aa:: for moil &L-i. rt. Ned rryrcrt, marked by rn a-. ary odor beallon or t any ofter `on ruy no-. be rmdhod .r. or !he day nr r'eels'then, Do you Process Paper Checks as an Doc Bonk Funds Transfer. '.!.h*n y'oL pr&id* a dncL as pa•:nen:. y,DL ma lwrtre us and our agows Fi:ha !o ust b,'ouna:ion'rom'eom shed :o nakt a ont-lire eketrort fund aarsfwfun'mur tepee: accoun: or to pronss line M--Lien: as a d,cck aa7ac:ion. -!:Nn wt ut rformrun fun •romcieck to naLr an etcza,k vd :rants. fLrds Pw bewttdaar from yOLr depose xcoul: as soon as Je sane day wt receke'roua• rter wt and loL s4nno: raeek't y'oLf check W[kfron y'oLf ftsindJtlxJ:u:lon. ve 6r tullolltrtb r is rot tinted be line da:e on :he chock. 'No rue rtssbri: a rd tkctm malty colts: tte reurred prsnerr.L 15TLal N I fare iorJ?t[;,T N yearn a-enria-d m Larinpt }• pro:.raon.:hh ronnn. rF.t9om ia}« n•wniawn wig. r. i•. net a r a:xr,p::e mgr:. an•. w ,rc.:rr a MA: or elate Co rot srrA ,n rnnart. .rit,ou: <rcaktg r;tr •:wr bar r lnlp:r: atbrrr; wMo G nlnlr1rC Lrt.lf you «yrsr a::wh,r; -al Ike :o rwract our bar lrupi y da cis --A or drvrtp pWa- ar stir:Lrpi:,d rare • PG OotS516.r F.tA rmnA. ;?:. g.3S5•s1 a' all I ee0 nll'a R} aV MMAM nno-•. l.o: Appl.• :0 4nallh.tin-:: Arr«m:al v4sal to Lao if You Think You Find A lean iakv on Your slalernon l: N Wu ttri, :hew is in ofixopyourstcorlen, wttlo:o us a:: Capitlont P.r Dp octis sat take Ci:y. L' O-Q0.0205 In y'oL r k-.:es, girt to Of `olon-hig Wolna:ion: Accoun: rfornajon: • oLr name and accWfr rLnbtr. • Dollar IMO Lm-to dollar amoL rt of Je susrocA error. • Descrptloll o• rrobkn:lf you JNnk linen t an erur o1 y'our' bR dewert :hut you belie t %vioro atd'.hr; y'oL bury is t a PUSW*. ='ou MLS-. con:aa us •,schn a0 days afar :I* trios- appeared or your sta:tnen,.. You nun. rotf; us of an' reten-ul errors i nsTlr7. You may call Ls a' rotfe us b• uelxi:e, but Nyou alb :se are no: 1'rIL eed :o r•.rrigate are po:tn5a1 x,ws and taL My lure :o pay lilt arsoun: Or no: :hire Isis beer an error. tte •oloau9ng t w Jut: '::e carrot .rc .o eo fbc: line aye Lrt in g1MS-3011, or rMOlt y'oL as dtinquert on :hat arse 6 rt. "ou do rot need w pay anydtruxd anoun's and relced In:tuts: du RNs orlots sin:N'.?e serd you a no:rct abMr. Joe oulsene of era' r'as:yatb r. 'he charge r -Imabr nr; rtnain on y'our s:awnert and ue rise can:unue :o clsige you in:a,ac: on the: annum. W:. N wt de:eRyrt Jut He nadt a mt:alee. y'oL,millno. hne to rap' :he anouni Or •lutstDr or are nines: or otter `ees wired .o Jut arwLrt. .':LT & ycu do not hra:o ere J,e am Lrt kn'pays:ion. y'oL ae rtsromiblt for :he ientMef Ofyour baknca. - ':•.e car a•ph'alg unpaid awLrt agats:'.o x uedr. Unit- You r righlr N You rw Di"isfied Will Yom Croda Card Pu rcharr. N .ou am A-r uinA r;ih iv gooA•. w:n-rirr. autyou lus rurrlua-d rrh goer rr-Ai: said and you rar:• trbd in good'ath :o ronatr :IY rwbM, utA, the norhan:. you ro; hn:r :he riylr. rho: m psi ter r-maiming an«ur. Aue «n it prrl,ne.'e per :hi•. high:. dl a' tre'oNe:ti,g net: br :rar• 1- -Ise prdsrr nv.: hrt• been nod- irsir h«x•:t3:• on3rF 100 ni•h ofirour-rert nor i•g addm s .art atepnl - per rna: hair been nom Asir aso. rNo:r-W&r ; ir- r N'.arc p.prF.ne.ur based on ar adxd.•norr- ruNM :o..eaL or i'rr o;cr :Iv ar r: nrmy tear: •aN you :Im poets or +n: in. i _. Yo,. hart gut's uxd r«r nada r rrifo r :Iv pLKrae-Psirfahr. ruts rJ:h rw+all; acr.',on ash : ? R• o nett a eMrk that aexrvrs : eur rredt had arras: de rot.lw,'y: w: •.r: her Sly raid •or ter rurrlua.. p all of :h- erirda aka;- am n-: a,A you es-. ••«i11rAruAafFA:rHn :lc pnchar. moue: u•. in -Urg a: P.G. D. Acas Sa! Lake G:r. L- Se1.'0.0:85 ':•.T,ik wr rrrre:trya:-. Ai-arse rule. a prl ;o Ase dnpu:ed arse-t n•. d'nnr .-d abo- After yr lint our I-Ig -Lion. nr :hit rupee our dorkiws At au: ro tt V air :hied yo n. as a r .rho n. rt and yon. do no-. pre'.- rill- roper. :«, m derrvp,-m. aipi:a led aupp«s lril-ion pro ;pro:octbr-•r- o 1, rwob%to.r.. h•;:-ppi:abre,ron capi-AvcY 'r. a fedou4• mgt-.-d serrlx neck of r.s&s1thv rlronrial cotpo raAwn, AN rry rt. r-rr;-d ;n In Cary'.a1r.,Y -t.n' 01 -0 10 Changing Address? Address ..................................... _............ _.._...._............ ................................................. ...... Home Phone ................ .. Alternate Phone ................................ ......... _..._......... ........ .....-............._... E-mail Address ................ ............................... _....... _..._.. _..._....... _.. Please pr it aed•L^ss or MOT nurnberdlanges awee Lsi-y blue or blare( 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. Usirry d different envelope could delay processing. ('lease 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,capitWone.com Page 2 of 2 14MA55.7070 www.cap!Uione.com MASTERCARD PLATINUM rr,;{;C.x;{y,•v,.xxxx_FMI NEW BALANCE fAINfALIM PAYMENT DUE DATE 515,097.57 5763.00 Mar 18, 2010 Previous Balance Payments and C"ts Fees and Interest Charged Stfs.3?9.E5 - 50.O0 + 5215.97 + TRANSACTIONS CONTINUED INTEREST CHARGED U: rr•.ra rI:+.fid:n.VI-Asr? SI76.97 -ad gems 1is Fhriod ; I 76.!.' -oA ln:m -IrG' oar You :sere assessed a past cltle roe because yt3ur nlininwm paynlem :vas not mrei ec,cl Ivy the dun data. To asaicl this kc, in Ain future, r r rem mmond Out •,nu alove at least ? businoss clays for your minimum paYmcntto rcadl Capital Ono. Jan. 22 -Feb. 21, 2010 31 Days in rdFing Cydo CmcItllmt SI%mrJS7 AvaibbloCrnd't 53c, '3 ?ashCmcitlima SIr.l7CCPc7 ;callable Crndt kx raslc DC11r3 Transactions New Balance SIO'li5 = S'18,r19757 If you cannot make your minimum payment but can pay at least 5398.00, callus at 1.800.955.6600. Your account will not fall further behind, even though it will remain past due. JOSEPH P RUANE 5WYX It could happen to anyone. Make sure you pay the amount due on your statement as Soon as possible. Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 20M) f. q4:a.- 0xr. lsi?d;ui Onr ira fidervllr n,,i.•n•rr,l •rn:ir,x::ru.:":L+ri;l:1.. n:rr.•rv! Page 1 of 2 I-SM,95S-7179 www.capilalone.com Feb. 22 - Mar. 21, 2010 23 Days in rsiling C)&, MINIMUM PAYMENT WARNIft I'.Pi. nape ortedit N•Inun pa}rm: eadl Ieeoc, }ox vA Iac no" Ir lr.ew. rd i.::'fl .dee ;os larger to Ia; o' ;m r lahrce. For exanrle: MASTERCARD PLATINUM )?J?JJ?S,•:iC3i•8a'1 Pft1"ntAraour.ra&PerIodMNo APPICIdnweTintoPajoM tstinxed NEW BALANCE MINIMUM PAYMENT DUE DATE AdMionalClwgesAreMade Statement Balance Twal Cost 518,533.04 5783.00 Apr 16, 2010 Hiri un Pa.Trr: 33 "tan S'•'.t7i. "o , I ;ou'.wLU 16 Worn:.ior al out cel& coun:elirg serr:es. ul t •00"0•326•BDa•. '' ' ' r • •' t "• LATE PAYf.KNT WARNNiG: f Re JO ro: recePLT 1VLr nfinun p7pr1K: b; 1Vxrdue da:e; C"lltlii¦R: SIQ,.0CCP0 Cadrrmdit limit: 5lr.CC0.t_X purWl•awso lux834.60b*'ee:nc;owAIP..srmil*increa:ecLI:o:I•e Pena; ' APR. o 23.1 AJtailllde Credit: 54.66.^6 Dilable Crecltfor Cash: 5+,66.rti Previous Balance Payments and Oredits Fees and Interest Charged Transactions New Balance 5365.110 + 5200.47 + 50.00 S'18,5.3.3.04 If .?,n rnmra raM ?.?,nr miltdnnr Imnt••ttr, Ian ?-t171m; .v Ir•.r1 •. tr•.',rr,.:iN n• a1 : ;i r ny5lrr':. ": n1.r-• and ".gl n: I IAI h1Hhr r L%luxl :::it Rrnnlr i1-•.;H r.r .mil I+r.l .: n.. 1, ..r.•+,:.n•• n. I. dr...F..r'... I..,•,: uh.• h••him: Ir,.an- I:r•r •td. P ni-inl "-I dvo 1 xiv: Ir• nrninrlr III.-.11Y.111 I?; lk or. C.TIr• I'^^1' ;: aq .}"T IDI ?NrIN.\- I-il- III"yn',? IT:il.11V .t'I IIF. rinl°1rn In',j"--nr l: 1+.:.I: }S IN `TRANSACTIONS PAYMENTS, CREDITS b ADJUSTMENTS FOR JOSEPH P RUANE #8881 I IS 1. 1-111. Pti.l'UI- S]65.CCr FEES I IS 1. KR PAS-I. Lcrc[ •'c:al ro: •. -h'r. Pr.ri%l -o:al roes -iii;' .car INTEREST CHARGED I k-[P [S- CI A RGC: PLF:CI ASE, ottl t errs -Pi Period ret:-1iic roar Transaction mn1 iiuo on pvan 2 ' Due Dale AIr 13, 2010 Help is Available. Just pick up the phone. Call 1-800-955-6600 and 3 spsc ? l y traircd 9t ii dvil be Tapy to Felp yo- :FEck your ba are ana rn3ke PMTErr.s. 53^LO s34r0 INTEREST CHARGE CALCULATION 5 "LD Your Annual Percent Rate i age ,1PRy is the annual irdncst rat, on your account. Type of Balance Annual Percartage Balance Subject to Interest Charge 1161/7 Raw iiAPM Iltlerost Race ;161:" PxrcPa s II..`"sD ;I E3 1161" c?Ir`S.c -x•.N ;LIB^.:h cCJ'D S0.0C PI rAsr RrT1JRN PORTION nrI O+N 10.11711 Pr\YA4r NT OR I OG ON TO +lA'ArY.CAPi TP.I ONr. CO FA TO MAKr'i OLJR PAYP.4rNIT ONI INF. 1 5178057279228881 21 0000000365000783002 Account Number: 5178.0572.7922.8881 New Balance Rleiirnum rtrrmnnr Amount Enclosed 513,533.0= 5?.:'. ? r II' •: ?.r.l' 'I I I I Take advantage. Take control. Manage your account online at www.capitabne.com ' Ua<e aayrnert5 ' Review acmunt IrforfraJon AQ Ir'a'1,y; your -xwtrit pri:'acy JOSEPH P RUAPIE 333 WESTGATE DR MOUNT HOLLY SPRINGS, PA 37065-2030 IIr1111-IIII-Ir1'I111r1.III...IIPI'Ill^1111111111"III'll'IIP' Capital One Bank (USA), N.A. P.O. Box 73083 Charlotte, MC 28272-1063 IIIIIIIr111r'lull'NI'Illllllrill)lllrrll'1'Illrll?'Illlllll'IIII Please rnak.e chedes payable to Capital One Bank (USA,, N.A. and mail with this coupon in the enclosed envelope. wAse'a ie your wwerlae? r 1c,w Lin I avoid pay" Interest resit rus7 race rwn:h car. pay •,or.r m-m Oalarm• I. fi.It voe rat Fa;-a ni•lnln0 -periodo':a sL e,..:rl:h no bier--1-1frgeona 1—,11 rulrlw: a, : I balarm tear-}n•., ii +pedisi p-snot, , and Al ether shame-:, rlrose taro bran rr; lg your -n: in id With ro n:-r:: ell ages applied and }ou do Iw: pr' ycer next hill h, fL, riwaird interest charge nab- n-need, -Iwr is ro onxe pniod or salt ad-arms. -.penal trate'rn, or m, a ry n-::• era r Lion Wwr :h-re is as ura11 balarm'Fees a Prcbtn bill, Now Is the in term l dmW Applicd? Drove: chi Meg Gana flon ire 1 Ida-.* of lee nArsac:ion. _, data tte -rarsactiaa i Processed or :I fn'. calendar day of ila big pnlod. Irteres cha>les aoc6e ma era's Lr paid aooun'.una t is raid in fLL-4 nealu'e ou War' otee !rears: cFarM err if sou rat the entre'l,ax- calar air one non:h. but did rot do se for here pewees north. tanpaid irbraa chapel ate added b the pores Moment of }'our Accosim. I Iwvrvr. •.?r rest:•e Jna rbFt :o caw. assns ireraa: duaas a: ary tile. M you as,•rs a M inirum nMnsl r]wme? Yea :. nh+ine.n II: ffL v L;Fh:C of ••030 yiN be. - :.-.:•d for -ace bil period': osn -rt h •Albj- W an klo -t d,a s e. i Iev.• did yew ca Ieular the Usenet char---leer as, screed a alndaion -. r- L:-d a dot•rrino you:o:alin-r,v-.: shape, I, -e oo:vox•nait•naianrc•rw•erht-ryxn:Il-al- :ho b-oilrwsq bialxr.n,d.neld k+ my 7araraons and :hr p-eiodr !tenet rhaoe on 1,e plrrb L•. Arf's bianrc,: I vlhrata any pynert. a M n-d:•. for tut srgrm: m of :ha: dal, 'hr eresd: k :lx lair: balxu-for -act sogn-n:, IroWr•Lrr, sa }•eu sated }•eur pre bL: north's W bn» IF f,.N,or i' vo Lr baiarm we.. r,so or a credit anean:L,xr: twxhsaeSbr-. A*h saw-.t to ar pLmrmo w -.renal p.rd asr uyrxnx car no: added :e tee da; baLirses. Abo, j- -.h c are uebt+n b a gran- reried a reno:added u As, daiA batux-t.: , -e'ind arA-ew,g- rap- ablaero- I r add the dale bas. rmh m0r:lh-r.?hd: r &-i& tre u.n b•: ter r, bar o' da{s ir :M bi•0 • •r:'halo ymar-os l seven+.: rhige, I s nL l?J.}rosn -rr, doily halter bF :hv daily mile& me a rd ; I rxd:iply the -.L it bf the member of der. in ter baling reriod, I=- nl.r to mI. rd Fg or a rininkrs merest. eh+rg-, Ask cirs,ulaticris Flay .,r: fro,, try he-t ttarg- .rauNy es-trod. HOW can ray":a riaWo Mnral Person Lag- Re so iJVPFO change?''OIa APP. n$• increase Or decaraae based or old of sworn stanlar! Fdtn wMA F -lie V,all5-s etiourlW. -o fad :rhidt index it LsW 1110 Violin A=Lrt look for a coda A, L. c s. D or r1 oil :lit froor. oz t+ is satenM: next :o Jne AKISL -her check :M tabte belmr- Ode rlea llo Your FoMI PeroeFoepe Rd. (APR) Indessiallch your Form ere braised an Men your AForlin rallasseasup RAN WNI clselp- P Ouarl.,k Pdrne - nags P-Imsly d bdmd lo Y. m lit! iy.0 lac L Owrlerb 1_0014 • n crib paJarslp deseba-d b neu hlNry periods sane C OmrWi CD - Mega PW?bMVdWM64d!O for M IN JANNW,.APa, 3 Oaakcord Prim. - nags. is-h lydsdazad ioyou uYsnd Otlabur, D MorNdl Prime - rurlte prilossy drlobsed sr you Ie Art: myo- each r Morality LIDDR • magia poouhlalydoadmid!r you nasyrly Wnp G Trmsury LOOK - milks pawbudydisdsd •a yn period. wLhwe:usdiLioFoalF••s--ialod with my aaaeenWi-LrderrMiii -:terse. ay be a:ar,,ed a Len.- or Prui nod lirrrxrr. ree. You ruy also be rhapad-111rii -'ees i roe -d b; L+:r.1•:e Irm a ter rt)"-.0 1101 am: r f•a :rtdeon: prior rotbe and Who Lt .. a^ no o Lr riglr. to asset a limas f-e later. r 10'aI ea n 1 rl-ro rAY Artounl Yo r. nay rloseyeser amt I. rt bI' r•1ig of :rdlnq wle'CL::wxr n•s.tbr•. n-partrxn; At :ha: tire, sae ::oil rro-ide addieeulA--al. h+rhedhalJ rnrxrt n, if -ion Lc-vo+.I r-di: acrd orctmrj .rest m :osr a- I. rtvlor souaah iA:o If-i?.:n 1.11 keep f.--I nlt errs. YaeaL haPPenc 0 m}tppolnlis-sustorldil 17':ten nrr dose or sucPerd your aamLn and 'tour rbtt to ob-.a F sot&. a' . ary time and for any tenor, eAln r }o6 car no: an defauh. Account st."Isbr can be Permanent or :errorrr. r'p0L r accou n: i closed c rwsperded ?ou nun. 1 e soy utheg }v 6r credit card a rd account. -11 cancel M a Ltomr.ic rat'ner'ts..e des:roi a lexsdi: cards and wows checks. and c r pas all a reoun:s •Ilo L mve sat eon r the; %eelr chased after the aaorar. leas closed orsuq erded. HoaAo I ltd- Paymrnk7 Pr:nnrnyou nil :o L-. aiN ben rr-diled ro }esw•arroun: a-. d ter bu•. sea Aar Wen r-rope's.. a-.Iw+g ac 1h :aI :Were tM boson portion o'th! -.ti:•rxn: arA rcecrk -r :h- rnr1esM r-niRxx-oat;-lore, arA _} evolve rrr,en: F, r-rokrA in ere e' o I. r rrork-.sing renter, b: San be?l :ins. 11•.r.- slimy .r. bet I?} bu•.Fcsc A.n<fw nail defer:. Nailed rap ent. Ioerked b,,' sees a: try otxr luaaon or I- aayotter'or, nay no:lac rodhM .< of the daynr -A, then, Lw you Process; Paper checks as an [locuonk Funk Trender, *-!A en }a L prarsdt a dice as pafr'eNn'.. }nL au:holtse is and oura osti si:llr :o use in'orta'ao s ion you deed! .o nake a an-Jne atechortfund wrider fson }ou'det'psi: account or to Mass :he M}men: as a check transaction. F.-Fln %% "a Mormon from halretec k to naLe an elcrranc'ud traukr. flyds state bevettdrwer from }LLr depose aeeouet as soon as :he sa no der' ^ seeks }our f*Ttrt and }9L N'ISo-. recede- }oLI check back fron }oLrfrnarlcialiwitrion. •Po 6r auiwnsatb r Is rot linted ben :Ine date on :he check.:t'e rrrr loss. bni t and Flectlortali ceiac tFe retLrred Pr+nen:s. Yfhtl 0 I file for Jjpnkrula yy7 r pw are mr-A-d re hairLpv t• PINIW:ien this ronnl.r F.rion k}w k+'ar-lon enh, is i not car si eril W,. As— a rvmver a A.h: w,[,I, Do rot sod In Mismert.tMAIrg W;t }rose harknr:r; atbrrvr -the Gms.ar:rye Ln.llyou a•}oLr a::asx-?WOr.R ikr mrarart anlaarlnr:r?rla Fha c.c•'rrr dir-ref. phase - rix•.• Capital fee - PO 1..$51 S.•- • F.Ftnwad.' A -_85.518 Mt I INC, RRann WMLlaaty Irv--.1-Applir-v ln:in- Arroaxr,I %Mwrt To Do If You Think You Find,%r lcushe on Your SLalpren L• If}nu MFL -Jaen is all Ma' or your LSL:tnNl: ,,%w* :o us a= CAPIUlrale P.0-CaK 0285 sat Like L- B-1 -'*0:85 In wL r Imes. grip us tte'oftifiV Nn'ornalon: ' • ccoun: 111110 friatraY-i0L1 dame and wcoun: PLrib". Dollar anoLrt:-N dollar anoL rt of lit Suslrcted error. • Desai Pion o' hobkn:lf you di nk from is an error on'reur bill descrtu'.dut sou be!'.•t t WIOro And 'sdrf'rrL briwe is is a nisakr.''ou In Ls: contact sea :vrMn s10 da}s after :he ma, appeared or'eou swi nern You nw rott to of any ro entul errors F UTN'g - 'sou rlrf CA Ls or rotlr us b urbsi:e, but /you d0 llr are no: Fen Lard to ilrriliale art row-ja I olives and }lie flat hart ,.o prit :he amount t qursb r.A'hik'ree ittnciore'.rManel' o r no-. :here has baer in error. tte'olottim a arrive: ''::r carrot try 110 aoit:lne ail Lrt in'PIK:ipi or NPa: }IOL n dallnqueri on :hat aloLn. "ou do rot Iced :o Pay any d inr,W mount and related runs: cha Ines orfer un:l •.w send you a otter abou::Ix armrre of our' t rrigatb P. -ha darga t qui sbr nay ranain on }o6f statenerL and 1Ye mat' coln:ihue to chit M#,rvu in:aRdt on tta: anus. W:. of ::•t de:tmFe Jnatnue reads, a ni:ake.'roL will no-. have :o pat' :IM amount F quesbr or ar's Interest OF otter 'eer related :0 that anc, LrL •'e." you do -0: hr* to pa: tie ale L rt in 'Pies:ion.'19L ant wrersinlt for :lit Firms irder of your balance. • !,* car apply am, u patl am Lrt age Im }our credit lint- You r Fight te N You i w Dissadisfied Yith Ynur Credit Card Purd-,-. IF }au a,- d k,attti-d ,At 1x good: w -I :•irs•.:hhtpou have purhr.-d rash free rr-Ait -d. and feu e - tried in good'att to onell 1x probed W :h the nerrhant. you Wale have the right not se pay the r-pairing a noun, due on -JW rsxrha-e. -e a- tW rigs:. all -'ter -011W •ng nor.: be :nr• 1- -he P-I-nett have been Wadi For here- :t :- or Wit i 100 n!•, of you rurrert naMrg askheLS. tad tte pusher prix.,, have been now fear X50. Note-He•kye, o'tee,e I l four p. r1.ase Wm based en ar ni-tik-nor. %w nailed to •r or F Wen - drmmr m retrat•oll youth-goods oe swirl I Yoe. rent hie used you nrdt sad for 1r rLlrcemr. Pe.mhxe: I,-* With msha have, ion an A'L' omit a ck-k tta:.mrnem, your rn die race arson,: do rot rpul'y.:-sou nor: ne, -,vs is- 'Flits liliA'w the purist: •. F A of :Ix criers. A- car. rut and toe are t•i8 di,-a:kfrnd :tith he pnrhre. mrtap u-. in y;riFg a- Capi:a!'sate P.O. C. :02es Sall Lake firi.. L- 81tat0]85 ?:1hi- rte n;-•.troa:•. 1x %.rx wla. a ppL' :o :Ix dkpsrled a'hol.rt r. di-i need abo;-. After - Ink!} or lip-10aawL Wen :,.AII t !you osrd-i l.r , At :ha: rern i' We link }e I. avr car ,ewe. rt axe •,oL done-. r ;; - For; report vwe a doW,qu•nt. r,rhalpxtLrrors eforaator, i;ar; po:nctbr•-e-oLnvvbds r. r;?x ,ri:abre,ron erharnm k a f•demlIr-q1.:-end emir nark of orhalo- rF T Vial cerre n1on,,J1 bet. r•n;-d• ;nlnrari:al r. - ' .Fos 0:01 10 Changing Address? Address ...................... _......................._............ ......... ................ ......................................... Nome Phone ....................... Alternate Phone .................................... _....................... _........_......._..._. E-mail 1 2 Address ...................... ....... ......._......................................_........_. 6 Please pr n: aed•:ss or alien number changes aso•.•e Lsi-y blot or blare ink. 0 Not quite ready to make payments online? No problem, Follow these simple steps to make sure we process your payments smoothly: • Don t staple of paper clap your check Lo Lhe paymerlL slip. k sure to use the payment envelope that came with your statement. Usury de different envelope could delay proc'ess'ing. - 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.capitWone.com Pago 2 of 2 1404W7»79 www.capitAone.com MASTERCARD PLATINUM NEW BALANCE MINIFYIUM PAYMENT 518,533.04 5783,00 Previous Balance Payments and Credits 518.697.57 - 5365.06 y.:K!:{-,r,:XXX-XXXX-8221 DUE DATE Apr 1 i, 2010 Feb. 22 - Mar. 21, 2010 23 Dar, in l3iin0 Cyde CmcttLlrn! SIQ.ACCPO ioiaiWAV CFNW 'a%hCmcttLirA 51r.Omco ,'Warlablo Credit Im r asir S-fIrl9r. Fees and Interest Charged Transactions New Balance + Smo :7 + sn.oo - s18,533.04 TRANSACTIONS CONTINUED You •.%rre assessed a paa cki, fee because .roar nrininwra paymentxas not receFre(I b'r time (Ilk' (atC. Tcravnkl t1tis Lee in Oro lutme, •rr remmmenci that ;rou atom: at least 7 budn(KS cla.a for your nlnlieum pa•rmontto rmh Capital (Inn. If you cannot make your minimum payment, but can pay at least $407.00, callus at 1100.955.6600. Your account will not fall further behind, even though it will remain past due. JOSEPH P RUANE 5otr)X It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO 6ET APPROVED FOR LOANS {when you want to buy a home or new car) t d 10fl9 (.iq,i:.r Oiv.. (ii?•i; ri One it afidennii) r,,,i.•;rvnl n ir.:ir inark.: h, q;t•J;1.r r•:':rr rd Page t of 2 140-955-7070 www.capitalone.com 5l^i.0 S391A $117.0 MINIMUM PAYMENT 97A.NI NG: F%% rule orK 1% nk inun parser. each { errs:, ,m .%A { a' none it Peet. and i. r:111 ake ; a bn4er ia {a,' o `.or tahrce. For e.Yarn{k: MASTERCARD PLATINUM )yYYJJ?7C.l?Y?•8°41 Payment Amour: ud, Period 1' No AppnmtMnwe Tln! to Pa)• OiF [steRattel NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made StremenB&Wxo r" cost $18,962.01 5785.00 May 18, 2010 HirnLnFaTrr: 3? *an ' r ;a Won 1116 idornaJor 46oul cndi. con. Arg sertes. car I.888.iX.807. ' • ' r. r r LATE PAYMENT WARNMJO: if :a do ro: rec*.4'vmr nVinun p:.Tner: b; ',PDL r due love,. CnKlitlireN:S19.AfCJ'0 (ashrmditlimitSlr..000-L' 'eourw;l•awlo{araS3l.CAkre'eeTe.*;w PEsrw.'I*inonnec L{.o-+ePenal-; P.PF.O 23.1'•ea. A,,ailah , Ciedir. 537.C-^ -readable Credit for Cash: S3? rC• Previous Babe Payments and Credits Fees and Interest Charged Transacts New Balance 518.533.04 - 540540 t 5217.47 + 5[,16:0 S'18,962.01 1:.. ..I.,..r ..... .. ... a.i.., .. :...; I'1. •-rl ..I. .. ., I; ..I ::?'-j- •: I li.. .-r--.rr ??-- .•--rrl"il r- :B n'I•:•: ?p?;::r I-r .I i'•dl ••-•i ...I, ..:.? :!? i I.:I, :'.r.. ? •. :.li ::' r. ..t .rel.'. :,.: ;'.,...,.........,,., ,..,:..: 1::....,': 1.:.,.,. ...:.,: Help is Available. `,RANTbNS J Just pick up the phone. PAYMENTS. CREDITS & ADJUSTMENTS FOR JOSEPH P RUANE #5881 I c ld F. rap I rlrc.rm*..Pf-rrrnV•-j.1 r•Ao C-4-.Pr Call 1-800-955-6600 and 3 s,xc ;.l y uairM =..qmi ,/ail TRANSACTIONS FOR JOSEPH P RIIANE #8881 be lap.y to help yo- -Eck yox ba 2 ]:z an. •n3ke rV.-TEns. I [9/Pr cry.;r•.r.r•.-rrllr:•:rr::-I sc.OC;.9c_r,I?iJ. :,r,Ir,.rc ? Total Transactions This Period 5616.50 FEES 1 IC•=.M: PAS- ILrr[r -n..l rr.•. -hit N-rixl "o:alr„s "ht',car Trxis.ictionc mnlirnir nn pnrJr 2 Cm;;? Due Date May 18, 2010 INTEREST CHARGE CALCULATION Your Annual Poommago Raw iAPR) is tic annual i nt rest rat, on your account Type of Balance Annual Percentage lialanca Subjectto Interest Chargo Raw iAPR) hlwr ost Raw Pucl'ase. I1.: "cD SI36N_7 S1 . . r.-.F 21.1 ?".: r• <.ftd so.0c PI rA.Sr RrTURN PORTION nrI aw L•l9Ti I PAYA4rNT OR IOG ON TO +ANN--Y.C rlTA1 ONr. CDM TO A..LVCr 'TOUR PAYA4rNT ONI INr. 1 5178057279228881 21 0000000405000785002 Account Number: 5178.0572.7922.8881 New Balance P:lininvun P,-ynir.nr Amount Enclosed $18,962,01 111::•.1 e::• :?.? n:z.I n u?. -•.r.n n m' Take advantage. Take control. Manage your account online at www.capitalone. ctxn • Na<e aaymarts • Revie'-w account irkmraJon AQ A•' )'rage your zccoLnt `i priv&,y JO:EPH P RUAME 133 WEST,ATE DR MOUNT HOLLY SPRIN6S, PA 17665-2010 I,Ill l•111"1111,111,111.111.111111'Ill, "IIIII•-I1""1111.11111'1 Mar- 22 - Apr. 21, 2010 31 Dyes in 8411 ng C)de Capital One Bank (USA), N.A P.O. Box 71063 Charlotte, NC 28272-1083 1111111.111•'I1111'll'1111111.IIII11"11'1'111'11"III11111'1111 Please make checks payable to Capital One Bank (USA), N.A. and mat with this coupon in the enclosed envelope. a M Y6 .e wePle:? I b'ar can I .noid r>ayv,t InHrrrt C11aRMe; fad north orb % ray r'T•ttl rtdGrea•" in fr. t, you vi ha•• a nttur, tw• rrded o' : • A>r•.:-hh go ttrr?.t rMlte en aitlw:e I I pu,rha: •',:1 bal- aisr•l•r,,1%pmd Peel •:.n,d e1 other rhanX:, 9 •.w1 Fm•• been paytg :mfr rco Lrt in 'WI W h ro i1r.•rsm: d,argrs aMIP sl mad twI do no: pa:• «r and bill in fi.? plxaeA in:emo: aiarg• :v: ib• .n%rvad,'Iwrc is ro orare r•ded or ca.} adrarmo. apeArdtmo'cn, or oniry no::•,rart-lot 11wrli- h a,u,patl baliewion, rsleciwn bit. Now k Lho mleressl Charge s p it lod? trthrs•. cha egn acmes from Jie 1 I dart of Ill :rusx:iar.., dare tore Taruc:lon t protested a ,h}tc calendar da'r of Jit bill rtrbd. Irprtft chimes sane W ectr, Lr rwid amour unJl t is paid in hl-tt means, 911 mat' owo interest 6a0es tier d -mu rw, Ju mthr "htte Ca4rce, or* man-A, bur. std rot do se for :he PlWbLS north. unpaid rprtst duMet are added .o Me maper m mHr.. of your Aecoun:. I kwn•ir. ur restlte ire ,pit :o rw: arses mttra: cNrtet a: dry :Iru- Lao you,seer a ktirdnum Inbred Charge?'Fes. A nb,bn.n Ik-ffL- L3 U.A:C of %030 nit br e: •::•d fee each bi,p rnbA : «r aeraLrt is :sdej•r; b .w tbr•tt rhalte. troy diet yew ca kulab the Irderert charge; -Iwrr ahe -A minda s- Jsr.- %•rd b Aeterrilx•you ao:alin:a,•:: rhahoe, n,-o oeaou naiy iimrc-r«rrh t•orsrn:Ill:ale :he h•obn:no Mia- and add b, rnr xmwaniono and the r•lioetr I W-,.t rhaoe on the raa.•bL•. day', btlrwq: 1 sub aret m>r• ry rwt'. and real:: for that Fit;mir. m of that daf, -Fe -it-. , A: dad 'L- M lit- for •aei sM-it. I.o..r:ev. I you p. IN you pmvbL: r wml,'s baexu• t fine for i' Lr 6alares :ea::•ro or a emd: an«rI:L rxv: tun%xeb r: •.d:rh poet :a :wr P.re P- or :roAA pl.lr ow semen:. arc no: addedro *o da4• baGrc,, ALo. . • an•. the: are :Ldhj•rt b a g.- ferbA am no: rid d b :h• dd?• b k-,.: , -.'Ind wrx«ao• r l nilmwe- 11 add ter eGiy halarcr, bgr:h•rod `I eirid• tie u.n b: th mbero'd..rFs t iv bitrpk, '.r::Ynab ywr-o:al h--Milgo• I1 nh.ltd,.}w :gate daty b glance 4- the dat}• rrriodr mtr and ;l mmI-. h- the r••a.t br• to nnnbn *1day. b, tie billing retied, L(TT• fill to ro%rdtg «a niiii-m inhemr. lrarg•, t'h mkhdxion roe: :•a ry from ere bremr c*.,p ar?,aty.„blared, Now can my'.•ariado AnnLW Porten LaW talc FOR) dranto? "ou APR niii increase or d¢seJse baud or ont of ream standard Did Us reror:td IP -he *-!.'all Sites found -o ford %thich index is [sad lbryour a®LFt look for a cods, A, L. C S. D or r, on :hefront o' tit sp-mvil:,text :o the APIRML -her check Jr table bWm-: ode nealtm rev IRYI Percentage all. fAPlej Inch, which you r rates tnr tamed an sewn your ArlRUa Peroespgf Rap wdI chwga P overkill Pdrw • nagYs pmrlew+• f irdwrtf b yos Th. an: days' tw L 0lerbrY LOON • naeb pmaerdy dsebcd b you billy pomade ere c Ouarkrr CD • maw pirdbu eldisa wd eo rot aN in Jeawn.Apfil. 3 Dwkwd Prino milSk pamblalydadwd:o you Jua•end Rbbor, D tlontdy Rome • ruraan pe hoesp dimUsed a you The arse del& mach r ta«#,Iy LOW • nogb provWdyde{aW ayes routdy Ypy G Trmery LOOK • negbl pawbudrdidawd b you parbd. w Ih«aJvsdilio real Fees assoda Wd wills mr ameunl7 Yr. -der rrrtin rbrun:sxwe•.. try be aecscd a L,-.• OF R1•:rrn.d Papr,olr. rm. Y'w, rs,y aloe be bltoesl o- lint, n e perrii-d b: la,. Vie 1rme :h• ayit to go: ai-fro: •.- ho- Dior rotes and v; hroh.i ..,.ring or. r right to as- a <irsihr fees Lis- FI cane Clowvy Accouru: Yo4 ruy dweyour arxwh. rt by raftor :eAi,p «1n?::«,er n•Gtbr•. n•rarerwn:, Atha: tiv, car ::•a pro-idle aAdt«vIM•ai. Ywludhq rvnrx•rt . n, ,you :•.o1.r-dit and oretarg••, root b y«r agror.rtvter-a•2 L. to doer -..,no .lr keep }osr' arrorm: ogee. VAlaI happons it we rpprltdjNsALN WMdff 71'.r nae close «'suuwd y'oe J®Lrt aid 'Four no k :o obtar cred: a: ary time and for ar, eeno r, ern 1' yo L me nsi in delaut. ACC WI1: SLSrtnsbr can be perm eat or :er•yorarr: r `,M Lr accouh: it closed or supa•ded ••mi nun 1, Lbw udng pV Lr Crtd: Card a rd Jccoun:.:r C11101 ar aLpnr Jc rWpwrli. -'r decro, a Icredi. cards and access chick. and a h pay all anouri y0L ax, us, •Ni r Me, %rtlr cam coed after -.he account 'was closed or super•ded. Hoax do 1 cake PaymonW P•ryrwn:•. you nil to ,-.-All be n•dad to }our arrow. a: oa th, b-Ire, day nr r•reis rt. s. long a•: iy',DLI d the bottom portion OF 01. tb,men: and r cheek or :h• endesM -,NFL—, ei-lope, and :i yo 1.r rashes-r•. r•reWd in ore o' 0,r I,.O oing Comer. b: 5pr, bri :ins. PI- alb-; a: 1%,11T bLr.ter. dn•.f« ra,rl drta?. WmW rvgrmre. nssAed by in m. iry a:lwr bmlvi ar t anyoifor'orth rvy no. be -Alted n: of the day ns remise then, Do you Process Paporehock as an clot uonk Funds Transfer? VAIM y0 L proeidt a dud as payrien }oL Adxmite u and ou•a":s tither :o use m'orma•.ion'ron you dwd to make a ons-2w elecuort fund a7 rdsirfron yourdeposr t accoun: orb prods :Iw pa}nen: as a deck 7arseclon. ?:Ten sw Lse orbrnrlon from your cieckto malt an elcronk imd :rainier. fLrds rw bewitdaar from •Pou deport accoun: is soon as :M lams dar set reaarpourwmertendviii. wino:rWkryolrcheckback from }outhundifi lution Nkr auJwntatbr is rot Wv.od by tire date on :he dick. }1'e nay rtsLbN: and tkctrortat? CDkC: tore rrtLrred Pr,mNri Vlhal t I pile pow pmbuakr7 it ywh m• rn:I:Md b hanknpl ?pro:•r;ion.:hh ronnl.rtaa«, lafor Y,'«ng:bn «+e: L• i•, no: ar attempt :e mFr:, may. « mnmr a MM or,Wri. Do rot cord rg M-riert.:,hou::reAktg %: :wr barknlp:r; atbrrr; orOe G nkop:rye Ld.lfyou«•}oua::«nry na%tl ike:or«racr our bar4uptry rlairn en-.ircr Air•rly. plate ryrbr:• ?,rhal0rr R7 0ox 8S7 d:: F.tlnohd. ?;:.::385-313' OR r INC, Rka 17A au Y MARY 1no••. L o: Apply': s-Ifii:il-Arrorn,:sI r:hal To Lb if You ThhrkYou Find:Ahtslako on Your Slatomonl: it'aw tirL :Irene is ail moror your staanen, Igi:P io us a7 Capital0rnt MD. CM 10-1415 Sat Lake Cif' l-8,1:00:05 hl -si r lcw, glre us tie'obieillo hl'olma:lon: ,:000tH: rf "w-j01t YoLr name and accou-.P Lmbelt .Dolls r anoLrt:-N dollar anOLrt of Jw suspee:ed error. Dnulr''Jon o' hobltn:RyW -.I,hik J,Hr t all erl0r OIr yVul' b; deaQbt 1%lut yW beYee t urort and :dryrv i. better I. t a r Llake.vou nu: con:ad u at:Iiin m daps abler :he tllor appwrtd or you staxnnr:. You nu. rotry ut of any rrpn3tl erron r wrtro. You nr, td Lf M rote, u D:"aWni:e, but f you do :%r aR Iw:IrgLiW :o rlrt:itap art' po:eli:hal ens: md'aL ,ray hate :o pr, Ju amour: t qutsfbr.'ATNIe roes Nwes:lore :rie:hrror no: lions his beer an error. tte'otov5no are :rUO: t:r urrot:r, :o m ba. the mmo L rt m 1Uft WM or nPOn WL is ciAnquert m Jut amout. :,W do rot rued :o Pay aiyd tpu:Hl anouns and IHa:ed hr firs: chatoet orfies ui:il'ar reed yW a rw:icr abW::iw o¢come of ouhrrgatD r- -N Ciarot r gW4br mri renatl on you ra4nert and we ma, Con:hiue :0 Clune }nu in:ere: oil Or. amount, W. If set dcomre Jut%rr node a mi:ab. yoL :vino: hr11 to re, :Ire amour r ius sWr or dry males: orotier -m *W.ed .o Jut mvtrt. - VAllb }Du do 110:ltr,r:o rsr, the a•w LFt m qme ion. pUL ar rmorsibk for:h+ rem,,der of ,mule bllarce. • 11.10 car apply an, u PAtl a9oLrt Mars: sour credi: limit. Your rathls IF You;w los" find Wlh Your CndR Card Purrh,ws. W posh m- dkvtkfld tai iw goob. « a. thatyou I.- pu•M•.•d With yol.r reed: card. and you k- trbd in good 'alit to onrst :Iw rlobbn vdth the merrhmst. you ring Imw the riglr.Iwt b p,yOc, nail:ly a rim-due on 110 Porhmr. -o her thee. right. as o' t?r'etexelso ru tt be it w• 1. Te prrA,a r rev.: Ivs Bern made 'r your Is«x• •.t .• or a;tit 100 nil of-:ou,wort nairg a M-,. -d OF, p-ha:e prtle n4:: ha:r been more tsar 150. No:e-YJotMr o' tMse •reavr:tyru•P.TFmevms based onar .d:•rMxhmr.: rated ores :aL ori'vin wee 1v =riranvttat m tl you the goods or ser; iso L rtrt isrs• used vorr nrdt raid for :Iw rl.mlae.Rlrime,.. name with m:t mL-mwo•. ion an :: k' or., u a r.Ferk it., agrr,•,r, •:our Ards raid -O-t do rot quay-.. ;-"ou rev.: noes: hrs ills} r%,kl'ortte purl-, r all of :Iv cri•rG aber• are nn mid iou ere sal efr.%a:'rNrA :vies tar Pnrhrr. o rbr u•. in .rkkg a- Opt:alo r P,0-Cax:a?es tat Lako ii:y. L- 811:00_85 %Mst• ws k-t1b.,, :I,•:•r a n1k-. a pri :o he dhpu:ed arwl.rt a, di-,.•A ab-. After ar MsY.i me in-ioxtom roe ::•it :arw «rdrrhimi. At Jv: psi i' nr :W4 }.,. ova• a r ,e 1. rt and y- dono: Par :-• rury "or! ywl.w drinqum_ (` r&Alt'a,•:urp«e tformalm, rd.•ari ploaectb--or-bd:e at,c. . iphribre.,on rapita IC w F. a #-dc,% ;• rvoi:meal serves nark of rarivlcow rtanrGl coin-joe, A ryre. r••rn••d - ;r IAcar tai C•1w ,u a: 01 10 Changing Address? Address .................................................... ......... ...._..._.. .............................. Home Phone ................................ ........ _. -_... Alternate Phone ......................................... ................... _..._..._.._...-... E-mail Address ............... ................................_ ....................... ....... _...... . Please pr n: acd•mi, or ohelic number changes aoo'F•e Lsl•y blue or bloc( ink. Not quite ready to make payments online? No problem, Follow these simple steps to make sure we process your payments smoothly: • Don t Staple or paper clip your check Lo Lhe payment slip. • Be sure to use the payment envelope that came with your statement. Using d 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.capitaime.com Page 2 of 2 140•95S-7070 www.capil4one.com MASTERCARD PLATINUM r„rxr,_xyy,.xxxx•saal NEW BALANCE h11Nrr1UM PAYMENT DUE DATE 518,962.01 S785,00 May 16, 2010 Previous Balance Payments and Credits Fees and Interest Charged 118.533.04 - WS.00 + 521; 7 + TRANSACTIONS CONTINUED INTEREST CHARGED ih-rrr`i rl••,.m.r:rl.r•.rI :dsrc c17?G7 -otal reres-.It; 1•riod SITS o:alln:res:7is'reu SoC?':'o '.ol sae ass.,sed a pas.,Ile k% Wcalr•'.-W nilirlun pa', rant :•,as not reed rd I- da dr.o &:o. -n.:ni1:N•. '+o in tfo h.:uro. •?o r:mnn-nl :ht: ;ar a1n.? .t ka•.t 7 br.si1t., da:sfor-,Ar ni (nun pr-ncm':o t ach CapM Ore. Mar. 22 -Apr. 21, 2010 31 Days in Billing Cycle Crorit(halt: S14.OCCLO Anadahlo Credit: 531A.9 rash CmcltLimit: SIr.c70C.C0 AsalUlo Crodi rot r'&%Ic S3 7.99 Transactions New Balance u16. o la,nezol it you cannot make your minimum payment, but can pay at least 5406.00, call us at 1.800.955.6600. Your account will not fall further behind, even though it will remain past due. JOSEPH P RUANE 59LrPX LET'S TALK - WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One;' we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.66DO. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. K:+?rip`l (.irrie.r Oxr. (.}11+i4d (her iv.r deral7). nyirrn el f.w..'•r mark. ::1.+riglar rrrrr•pd.. Pag# 1 of 2 140455.7070 www.caplUane.com 1 5178057279228881 21 0000000405001191008 FtlmMUM PAYMENT WARNING: I' yx rube ort;:he rtlnun praur: each {eia:, wt. :dA r w nom k ir.ews. and I. will .ske ;oL bnser 6 roc o" tmi falrrce. For exartrle: MASTERCARD PLATNUM S C"1y)0X.Y:isi.8s',1 Payment Amourr Each PlNod ONO Apprmeetwe Tln1 to PrT Olr Cstkaated NEW BALANCE MINMUM PAYMENT DUE DATE Akltional Ckuges Are Made staament Balance Total Cost 519,177.00 51,-191.00 Jtlnt 18; 2010 I•tirirn.nPr;rter: 3! loam s'S.35S?2 , E ;os-am,1116 In1wru.ior A*1A codi. cosncehrg secLn. ut 1-oo•.f26405'. ...I ' ?• ` ' . I . LATE PAYh1ENr WARNING: F xv do ro: rec*.v }vu nkirwn pa}ner: b; wer due dre.. Cmcllt itift: I ??ATee rlT (aSll rlofBt I4xlt: $1 r•.?t-1 .17(` j9U nr.' I'a:?10 rf' i SJC.IA1 NM °ee illt fOY ?PRS rld?' IR InCRd.IS Lr :0 :I•! Penil'? APP.O 23.1'•e-s vailaJk eredl: ,c-co -vailabk Credit for Cash SUO Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ste?e2.ot - sD.0L1 + v4.99 + 50.00 s-10,1n.00 --r-rr:: •- - •--°rrl'-ilr- :II rT:•: •p•.:.r I-r .I i'•ill•::...k ;.I I :.:: • 1.I : i . ?i.:l•-i:,1 i?•i-Ili :......:.....:.: .....;.;..,........:.-..:T -1.1..:I• Help is Available . TRANSACTIONS Just pick up the phone. PAYMENTS, CREDITS B: ADJUSTMENTS FOR JOSEPH P RUANE #tlldtl Call 1-800-955-6600 and 3 spec: ly tlairrd 3yt?ro v?d be iapoy to I•elp yo,.:l-Eck your ba a re anc make p3yTerrs. FEES ILf.V,' PAS-LL[r[[ S19J:0 -oval re,, -Ids Period 537170 -?:.Ir:o•.-hi. mar slrrro INTEREST CHARGE CALCULATION INTEREST CHARGED 'your Annual Paruntago Raw APR) is tie annual interest rate on tour account. IA-mrs7 rI-P%rid:fl.rrl..Kr? 517r..g9 - - Annual Pomentage BalamSubjedto otal t:srr, iis Period S 175.7^ - - ' Type of Balance Raw i1PR5 Iniemst Raw Intorest Charge ccal ln:e --. Id, car S?i •'S Puciae, I1. D 11 170$:.X3 11 ITS.77 r- 'Cro 50.0c Trans,tctinn< mnI imo on t .arJo i PI r?,.sr RrTIIRN P^RTION rerI O+N @lnTI I wfmrNT OR I OC, ON TA VOIA-'l.C'mIT/\i ow r.C0M TO Mb1Kr V)LJR PA.wmrNT ONI INr. C? Due Date Jun 18,2010 Account Number: 5178.0572.7922.8881 Now Balanw Mi+inxim P.rym nl Amount Enclosed $19,177.00 51:1 1.Q: 111ra e:::. n::••I I l u••::.r.n :I H I Anr. 22 - May. 21, 2010 30 Drys in rAOng Coo Take advantage. Take control. Manage your account online at www.capitalane.com ' MakF na'r'rrprr4 •iPV F7: a. rD.Jr: In'"•flTi::E'11 `'A7rage. ycu• zirrOLnt n pf a'3Cy •tlOG: JOSEPH P P.UANE 133 W EST, ATE DR MOUNT HOLLY SPRIPI6S, PA 37665-2030 11--III...1III it -111P-11-P-11111-11-ll.-IIIv -111.1.11.11111111 Capital One Bank (USA), N-A P.O. Box 73083 Charlotte, MC 28272-3683 1111111-04,11111-11'It 11111.,111111-r11-1-IIIr11--11111111-III 1 Please make checks payable to Capital One Bank (USXI, N.A. and mail with this coupon in the enclosed envelope. .char's is your welAet? Ilow ran I avoid roaring Int«eat nlienrw7 rest month }v r. Par }or.r •k-:r R.I. rr h, hS t,xr ai ha:- ..I, Inut g- pAocio' :c d fir %vkh no 11-rn••2 diente an a llIrx 1, Pulrhr ., : I balanr 7nr ln•, ,I,psrli purlitt, and y other rhamB,. if }an ha:- ben, patio yorr acm L rt in 'u11 Wdi ro brnr.: rlages applt.A and eau de not: pore yosr next bpi in f. 11 prwa%ed'r,.- rha0-;r:i b- zo-ed, -Iwr it ro 0,are pMOd or rash ad:ararL aprL,l tnns'en, o r on a rr n-a• -n mien Were :hem is at LoveN bAA ree hen a Prrlous hit, How Is 1110 nlefnl d%MW AFrilod? n:Hes: du lots accrue tan In t r dare of Ju :Ir rsic-ion. _I dart the xa rsac:an it processed or 31 fit: olB%lar day of die b&g rvslod. Irfertst charier AWLS on rw., Lrpaid artoui: un:i a k raid n ILIII. ?I nea115you ra't' ox r [weer. chxoistrtr f lou pre :he tn91r • two MIAreer ate rtonJl but did rot do m for :Ile pleb Ls north. Unpard threst charm ate added -.a the Nsi er stornsr. of your Account. I Iewr2H: we Imrre Joe rib ht :o lm7 acrNs n-wec7 cha Mors a: ary -.int. [ie Ve u grave a Nkimlm nsnsl Chane? eieL A nininl.n IL-[FC5' d L:N:[ et a030 ,tit be .r.;n•.ed for -ast bi,q period you- xxa r.rt k uihj-n to in iter- A dhow. I ww did you ca kulaw the I mercer charoe, -1rm ar svrral min 1A-.I ;:hr. - i ;.d to Aeternklr your :eaili,:.rr;: rhaioe„ r,-ooe::our Rti•rblalrr-rrnrh uoron:, Wal. the b-Oint,o k•Emre and add k, rely it-born -1 1, pniodir iter;t lh.,rg, on i,e pnnbs; day's k,iare.: i tub:ra<1 aR prygnem a rd -cis.,. for -hat tegnnr. as of dai•, -M 1-111 P..: v dai?• hahw- fo r -art selp-i. I-. I you paid your ryanbv. north •, ba hm- or full for F -:v i.r balarce ::•x.:no or a erdis an«urc Itn, tavlwetb r.:akirh pees to .wrr rr. rst re or tpolar ry.raam seen-nr. ar no: added o the da4• balirar-, AIo. .ria,•. h ar- •aibj-l: so a gar. period ar net added o it daik• baker-!,:, -e'nd i ?.•cra0- r i ealallre- I I add tr a dai boa rear togeils-,d: i dk'id• Ito •a.n bytM ,ber o• does k il- birro r;f4, • miiatr }wr -o.d kr.-: n,aroo• I r no.Itr4•yo r +:-rap , drily h,lare bt• the daily rrriodir rate and :I muHp4• the r;Lt bi• -he rosunberof dry. in the bNinO period, 16CM Moto ML rd iO or rsiisirmn interest cFmg-, ii, n,kuLern nor: c tat,- the nicer: etarg• .xxufraruesu•d, e How urn Rry".•atiabk ; area POrc onla0c• Rae i;,Pie) cluMJe?roar Ai+F nee ilclrYt or decease based or au of swat standard i'dds lermrtd Or Me WSoom toLoW. -0 fird s:itieh ides is Lsed tor* our aeco Lrt look for a code 0, L. C. s. 0 or rr on Jw frar. o' *1; sn:rnen*. next !a the Amiss. -Iwr check I* able bimr: Ede rwalo far 1 USIPrroblfp! FIRM (APR) Mace which you r rev one board am Inert YUI Annum Pamempr Rau wIl ahrrpv P Ourdcrlp Pirx • n iagiri padodp It kdmd to Vag a Ike: seyo• V. L Olador4Y LOOR • nadir PLyiasly disckosoul is yvu Miry Pofids ere C 09*Mt, CD • rw9it pWdWalydicokNd:o rob M IN JMrW.APO. 3 0arkcrri Princ e nagis parrklsirdsrJsad!. you nip used Cdolar, D iaoredy Pete • nrla IRVA0.54 doubtless a YOU The Onr dryo• !soli r Monopoly LIODR • nrrekl plLw6udydrelad ? got --My 01.1 G T,-w7 L07OR• r„ugn parbuslydisckend •a yes yarbd wlh«o,',ddilional Foes assoria6d with rre•amounl?Ye•. i.rd«rMtn,irrur-era.. ay be rso;sM a I.• or PlUar rd Pa}rurc, r_.`iou rayah. be rh rood o:r•rii:'ee! Be per r.d by la-m. t^.r rime 1i, rejht to no-. arr. I- id: ryir rote and t:ttoLt .. ari ng o1., riOh::o in- a ek%lir f.r Later. Ilo'w ran 1 Clnr sax AccourR: lei. rat flO,e'eonr gent. rt by r trig « :!'rl:ktq «IrCV.:«1M n-latb r•.n.rartrrn:,At i,m for. ter ::fl pro:ideaddli«ald..0. bA dky r.er%rt rn, If :our L:- :mr -di: card astarg.•. p«: to your arl.rt r:er oak v.:o ?loa• i~ur nil keep yosx.rrour,: oprr,-o.r:eid ray}O arrf appN.ahle rtr,byoun-l rpf.r.. mll :o cba- yo I.r rroter prb r -.o :Ix and of :Ir ciek• n rJ*Ii t h ;flydulM : be bid, V.iwl hapsxens I my n l n Y.e nrr dose orsusPerd gall XWL rt ad •iourrpht:oob:arae&r.ary-.ineand for art: easer,meni wLaeno:indefaUh. ALCOLIO: SLSMUbr can be pen'vlwrt of -.onpaan. V wsr Account: it closed or suspn'ded }nu muss. 11 suit puaxJ}okrcreditcard ardXcosen- caneHa1aLeona!rrirus'ti.r des"Ire' aIcredi-. olds and amps checks. and cI pre all amours yV Lear us, men i' the: mue du r0ed after :he accoulr. was dosed or suspended. Hoa• do I Like PaymenIs? Prerrrr•. y«I n.Yl to L•.011 be n-op:M :o yvurarrolnt Ar d the hu;ier. dr: ,:r -oLe It. as 1«,O av 11 :au and tte beren portion e' @k cm:•nrr. nrd -&-k i :h- -Imod r-n nav- on,--lope, and 2"1 :oL r pa:nrn: i,. r. a%,cl in ore .-'o,., prwasno con:-r. b: Spn br-,1 inc. ?ha;-.floe, a: bast LTl bUtIrm, drr.fr rail dotter:. k •all.d ptir,ert, ir¢i, d be sn at ary odrr bcaaon or t aj:otfor loin ray- no-. be -&od n•. of the dm•,lr mots, the,,. DO you Pfocote Paper check as an slec uonk Funds Transfer. '.nUn IML proeidt a duel as I.A.Mm _ wL suJmdae is and our-agelrs ei:lntr .a use ut'wnrlon'rom your died :o nab a olu-Jmer Aicnortfund jurderfam Yourdeposi: accouli: olio prong .Iw prnnr as r duck:r&mK:an. v*srn see us I'furnrinn from •rourded io nale an ekcronic 'ud .raukr. fLrds nay beisiOdrawr fron ynLr depose accoun: as soon as :lw same day tit recow wu•r riort aid wL u7iur.rdocwows.rcheck backfronbOLrfptauialw'aarion. you auilortzetbr 0 rot N•M:ed Iw:he dared :he check.LYe may resLbni: and eltctiortate coke the rourred paiTntn:s. 14%,1 I 1 fie for JU? I }our are emha-d to balskrLPlre Prot-Eton. this rerr,Lria:la, kf« M'erma:ten a+it It I; not a r a -x rsp, to cow t. aver. or recover a deb: or rail. Co rot send ,n rysnert.:wi,ou: ;patio rah.: your ba rl,W.: ate my oo-Oo C nknrp:ry COLrt.lfyou a°.ol.rjr-ei-11 like io,asst our bvlrsye;re slain •.n:•in dir.rly. pW,.- con - Qpi al Cie • PO oox85167- Mmoold.:;A _'=GS-51 d' OIL I INC RICAR} aVarANrr in -•. 1.0: Apr4 to Vice EL;isn- Afralxl:tl WItY To Do if You TWAYOU Find i'Mcuke an Your statement: a }oar *irk Jwe is in tonsoror *?*Our us A:: LZPl:a lOrie P.9. COM: Mes sat lab Cite. C- E0,11-025 In }aL r Ir:xk 0i7e u the'olosriq n'oma:ion: • Account: rlorrta J01Y Yokr Bane and accoun: rlmbw bola r amom:'he dollar irmLrt of In suspected error. • CesaMon o' Problen:theou Iiin ! tier is an error on'teu , bit dewiw :dint'; our beMee it •a'roro ad:tire wL btinr I: t a mistake. }OL must conuc: Ls wtilin 60 days of ter :ht error Approved onlioursutromoolin `bL rpm Ire-.IE• its of are W.Ino7iahnoirs in writing. `ioL MAY call Ls at, rotfr u ebc:loniciW, but I wL do see art rot re•luatd 10 IllftaJOa:e ar; ro*n-.IJl erran ald'ieu nay hro b pay :ht armor: t Maribor. u'WNsur rarer pa:eu+e+ur or no-. -how has been ar error. fie fo"V are tri r. XY carrot -.v -.o nik In apto Lrt In j usaat. or rtpa: wL as cklimuert on :rut ono t.M. 'hr deep! t •pastbr rare reran on core s:ntenert and ore rare carNwe :o star?! wu imets: at Or. anoun_ lu:. fire do mre Jut we mask a na:ab. yn Wdno-. hr,e:o rb' :lu great: t gwstbr a ary in:aea: orMhx'tes elated :o Jut aokrt 't1Ti& you do rot hex :o ere :lu getout: r qutstbr utri ve stnd'aL a rote! aloe Lt :ht 0uxone of ou• brresJpaIbr, you art esponseo!'a•the nenaider of •rour bklince. .,.,.*car applyal4• unpaid JmoL rt aoarr. iEurcledi:lima. Veur IEOhk f Vau ;ae IMednNed W Ih Yaw CrMi CaM Rlrrhatr. I tort r. dkattWd y:th it oooA•. a;.rtirr. Jatyal leer purrlw.M yah:oi.r rr.Ai: cord ad •iau hav trbA in good -akh - ron,es :h- pablert r tit the nrrrharr. you rise I,aw the riOlr. iw: use par ete r-nnbdltq amour. Mr on i,e rwllar. -o ux :hie. rkyh:. a t o' tFe'oMraktq rtL;: be -ru-' 1. -he rslrla a n- hate been nod- i your lore ;m-- or wthi too macs of ye!r rurmrt naig dAmu. s,d iho purlaa. prig nL;: hay born nor :har a50. INo:e-NetFer o'tl e- mlrsare I }our rLahasec:., h,sld at ar aAorrtk.nnr.:w railM o }ntL er M ar nrr :Ix m nparc: that mid }ear in` geeAs er ,ertxr. i i.'iel. rxrt hero u,M r«r m•At fad foil :Ir ry.aFae. PL twee. naM ttii,ra,h esf:arr. ion at.a-k err: iF aeherk the: aetrs•rs 'eolr IrMb lard a,me-. do rot -IuaIFy: ;.'=ou nL<: not err: hay iopi paid 'or the punt-, F A of -.Ir ertrdi abc -are - and'tou an .ill d:•.,:F.fid :vi-h it p rlh t e. mrtaft u? itil,g ate nPial'ur P.O.Cex:OTE5 sat lake Ch:: l- EatO:ES V.14- oar rt:rt bag. Jr ;arw nine, a ppk- to the disputed roe. rt a•. dknn•..d arbor-. After gar inkh ew ire.:ioa-.ten, ow Al :rayou «rderhia,.:.t :hr pit F ym third }or. -sr rw I.rt and y- do not r1W :e. nay rpor: }au a Aoin.Iwn-. Capin 10 r'aln-' farrmion prk- poxctbr-•a,. o I. rra•bds .r. wa•.rrapka b rr,ron Capita lcar k a fMeak• Irph:wrd ,ever,- nark of Cana l nrr rilor-W Corpstion, QI rid ht,. -d. ;ninrapl.lRn. ti.na 05 01 10 Changing Address? Address ...................... .............. ............. ......... ........................ .................................... Home Phone Alternate Phone ................................ ...._....................... _.................. ....... E-mail Address ......................................................... _....... _..._...-..--..._... Please Pr Ii: acd•:ss or ,.hone numbe, changes ao0'.•e Lsi-y blue or blacc ink. Not quite ready to make payments online? No problem, Follow these simple steps to make sure we process your payments smoothly: • Don t staple or paper clip your check Lo Lhe payment slop. • Be sure to use the payment envelope that came with your statement. Using of different envelope could delay pruc'essing. • Mease 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 viers recent activity View and print copies of past statements • Pay your bill online Sign up at; www.capitalone.com Page 2 of 2 1.80455.7670 www.capMone.com Apr. 22 -May. 21, 2010 30 flays in BiBng Cyde CmcFtLimt MASTERCARD PLATINUM :crxr.-xtrr.-xxzx-saat 5 1 9,occro Availaw Cmd'R: icro NEW BALANCE MINIMUM PAWENT DUE DATE ash Cmatt llm R: SI r.oCCto $19,177.00 51:191.00 Jun 18: 2010 AvalUlo Crodil r« raah: scm Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 511s?62.01 - SD.00 .F 571'•.99 SO.DO = 5'19,11,.00 TRANSACTIONS CONTINUED 10L:;ere assesk,4aWs.dLe1<ebNarse •oLrnUrtunpa;ncnt:•asnetr,CA, edb.- :IwJLeda:e.-orvitill, rii*efcure.,.,zreconrrd:lwnouak::atkrt? hr.? 6 tt dr,• f-r-u ni iruin rw rwrt n roach ra pLl Cao. Pkas<rox:hatit•aLnac-.J. ac••tedCL,oner.;greenertissued hearl-.cl0,0C flAr :ion =.greener. has Leer rcm,, J. -r I( you cannot make your minimum payment, but can pay at least 5416.00, call us at 1.800.955.6600. Your account will not fall further behind, even though it will remain past due. JOSEPH P RUANE so:rsor; MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE" Your account Is temporarily unusable, The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. cod 2rV19 6rri:.r.' On:. 6rjri7ai One ia.r fi•dr owa n +i rrrrri r:'1'nir7 rnxrk. Ah' ritHLs rr:rwrd Page 1 of 2 1.888455.7870 www.capitalone.com May. 22 -Jun. 21, 2010 31 Da(s in Billing Cycle MINIMUM PAYMENT%•lRIUM, --nu rvik ort::lx rtkxm prawtac4{eia fm :Sd {a• non Ir ir.ern. and 1. nil .aka ;a bnger lo I r: o" )o1.r talrrce, For exam le: MASTENCARDPLATINUM J??7J9CYD•Xx •t'rs?'1 PaymeltArlouruchPerbdl no APPWdru.eTInv1DPa•OR Estlnated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Gages Are Made StAW1110n Balance To'al Cost 519,399.94 S1:607.00 Jul 18, 2010 Mirinuri Parer: 33''ean 515.39' I ,ou-omu 16 WornaJor aLmA twdi. cm.nwlirq series. call 1.=.3'.6.WJ7,. ' ` ' ' ?' ? ' '' r " ' ? •" LATC PAYmpir wainwG: 9 S.e do ro: recu" '!%r ni'rtun pr•tUf:lt;'.m.hlw dre, (RK lit I 111 e: S I F DCcrO (ash rr"lit I i111: S I r, ecDA7r aw nil I•a:l1o {ar a 539.00 ine'ee ale -,obr APPA rw Ile inaewet L{ :e -1•e Pen&., . APR 0 23.1!%. S+milabk Credit: I CaA -uailalde credit for Cash SC.Co Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance St9.t ?.tw - w,aT + S)J].94 + so.oo 5.0,.390.04 r.. ._r1..t,..•....,.i.i,.1.. .. ..;rl.•'1L-:r.r nl?r•I::?' ?' - :Bi.. "'r.'.rr,':" •:• 11.1-al l - A P •i':+ r l 1 .1 i' .1i1 i :: .. 1 ....; .11 :-Ii : ..•.:. All: i - Help is Available. - ..I'Y•-: .i: ':.-11 -1 `:: ? 1•. •i'? :' I' .'•-r :- -I'l'-1 ••-•I I•i Just pick up the phone. .TRANSACTIONS PAYMENTS, CREDITS 8 ADJUSTMENTS FOR JOSEPH P RUAPJE #8881 FEB 1 1SJUk PAS-ELErir S3°A ?J -.:A ro; •. -hi-. P•:rixi :.3orn o:alrees-1c"rear SI5Eo INTEREST CHARGED IG-ELES- C1•.ARGC:FLP:CI :;SC: S I a .^•, otal lrcre.: -11; FNriod ;Id:." -Id•.'roai SLe 11•.30 Trwisactiom mnl irtno on I .xJr 2 Call 1-800-955-6600 and a sfkc 2 ly trairrd qr v deil be Tap-jy to help yo- -JEck yodr ba a %e am TI3ke P:N T'EEL'S. INTEREST CHARGE CALCULATION 'sour Anmaal Percentage Race iAPPy is A e annual int iost rai<' on'youi account. Type of Balance A35nual Percentage Balamo Subjectio Interest Charge Race iAPR1 Yleerast Race PLrctase9 n.::^tD slc'rI:H ao:.t`. 'aah 161'°.D SCrit SD.Oc PI rAsr RrT URN PORTION nrI ov emt I NV0.4rNT OR I OG ON TO ;YYe1V.G1PITAl ONr. COPd TO NAKI` YOUR PAYPArNT ONI INF. 1 5178057279228881 21 0000000405001607006 Account Number: 5178.0572-7922.8881 Due Date New Balance P:1Fninxnn rttrmom Amount Enclosed JLII 18, 2010 $19,399.94 S 111::'•1 I:': :.' II':'.I Jnl••:.Lr ?nr JOSEPH P RUANE 133 WEST6ATE DR MOUNT HOLLY SPRI146S, PA 17665-2030 Llrlrrrrl?url141111111n1•IIIrIn11Il01UlhlhIPlPllhrll Take advantage. Take control. Manage your account online at wvtrw.caapitalone.com • ?•1akP ^ayrcPnx :ce`J a. rn.tr: tr1':wri.-.n 1 AQ `Aarage ycu• atcDLnt n pi Macy Capital One Bank (USA), N-A P.O. Box 73063 Charlotte, NC 28272-1083 111111111 -1' 1. -Ill 11-1-11 Please hake checks payable to Capital Ono (tank (USA), N.A. and mail with this coupon in the enclosed envelope. Irow can 1 aria ki paying rntaran Chawor: rare rpnas •.oL (v,ysor.r "Y,•:r nalaror^ in hit }wr rJ1 Fa,•• a n t liars grar• (edod e : n darr. will no Iriva rhrge an allr:- 1, purrluc•;, : I balarm:rar 1 , ,I r-Am1 Furnace, and y o:he r rlurgr, t smr r a,•• b•n pactg ymn anno"t '.aril, ro kr..m.: shaper, apldi•d .x,d,wl do rw. pa:,•mr need bill in fi.11 prorated in:evm: d x ycr ib• .a a,•rA -l-e k ro gra,e pniod or rrt adxa rms. ;rend traWer.. or on a ri -, :Ira r carJon v her :h•m k ao u,patt bails- ion a plnlous bill, wow is the Inlaesl tlnrge aPMiatr in-mu: dames acciut fan Ise 1 Ida-.* of JN :rursacan.: r date the xusu:wn t mocased or .rftr calendar dayof Jr bi•a polod. Irmnst chapel aacrLe on R•tri Lrrlaid arlour un:d it is paw in UIL-U rrialsyou maw owe sn:ews: charOts ever if you pti -1w tn:ae 9,tr. edarae" ax man:lt bur: ad rot dose for the rvr,'bis north. unpaid insert chapel art added:o the proper warrlll: of you AccoltY. I bar.'rr. rest mere IN rbht :ono! auess ereuw: china a. ar,• time. Do yo...... Minsmam kLbrod Chime? `in..: nininl.n Ih-CP.rS- ra MAX of 5090 Hill be -d for -t bang ra tad : our l-rt is asdij-t ban tavct rhapr. Ibtw did,ral'ralculate the IRemt C.haraer'Irne ar,l-,Hd ealnL:lax :hr. 1• L:•d b demrrdneyor :e:alis:errs rlvrgq r,-ogc: your nai•Inlanre•fa•rxh ugrsrn; p:+4 :he b•girusb,g htlasro and add is, rrw• aawarions amid .fie 1-i", tter«t rhnpe at :her po:bv. dri'n hdawe.: I vrbracJ airi rWrierr. and -div.for that sogrvm. as of :ha: d i. -ire mud: k dw d aik- babe to r •ad wgi-, I-o-er. I you pall your pawb- rrortr •s baenr•tfill rev F,or.r balarm ::•r. rno or a cwd-. arwrn:L,wm transacts, r•.rllwin r -.tw •roer rv.ict- orgy lal puctase, «prvn:, are Ire:added:o tee dak balarms,:.bon carJon•.J,r..-A*+,t to a grar• rcrbd ax m:ad&d im, Iv chill: balms.,:,-st'il'l micas A-enry r i- rnlawr 1, add tee Link- baerm, a ajs-:Irrand : r dkid• tee %r, by tee can her o'dri, t :M biro ^id•, •,rvasisim, o:al trisect rltarp•• I, nr.lk4°ian a,erage vWe halwre by the drib redodr nr and : I ralhipli the nv.! by Ile nLr,bm Of deer. in the billing period, LrTr• Me -.0 wLrd tg or a nisim- interest e:tar0•. this a'd-lrion -ti . nrcfron the hers: daisy o•aLaya,•ara d, MM can rrywriablemnual PorcenlfOO Reb y+aW clusrlge: amour APR mate anatawe or decrease based or one of Bran standard IMICK wrar:ed Ir rhe!•t•1L'Srlaa lowrw.'. -o fed xhidl ands is Lsed for your aesosrt lookfor a code all, L C. S. 0 or rI on Jufron: o' tht cm-.ewe neat -e -h..IPR l -her chick JN table b"%-: ddt nettle Your n1aYlPrmaatt (A•Pr4 index which your rue are aped do Will YWI` Annul Pae¢selbpt Raft will change p Quwlary Pdrto • moron praviomial? d bdotad lo yon Tha In: dryn• Ire L ca adi di, Lem • rswkkr pndwwiy ditebaad b You kind parioda oast c Quill" CO • dieter PRYDOYdIO Mnl :0 rot tral in Leumv.Apol, S Dar k®Id Prkte • nagir pnaweuwlYdieasd:.'yell J.k amid Mlabor, D worwdt Prkw • retire prNoub discussed a VOL] lice Ire. daYO' awe r Monett LIODR - nnyn pwbswlydbelard s sou ruaddy Wink G T,-smj LIOOR • rrrgw pevbudwdrarlscd ro time hired. ;w LI-A&SUa Hal Pon at-Wod-arlh mr aanunl? Yr.. -der -lain rirun::.rorr.. lain nay 6e acsr.,ad a Lr.• or RML-d ?rrrsnr. rm. You rvyalno be rluged oxeri•d:'ers I perm-•d Irr• tam:-.'VA` ---e :h• rtjh to no: a rr.4•r.:vF.heu: pior rcill and r: ktou ..sting or. r rigir. !a .x•A9•.. tell r Me later. /b-A•can IClom Fair Arcounr.Yon. rug rloseyour aera r.rt hy-•aMrt or :rridsq ou :.toner a•L ter: nrrrartr-. At that tl-. stir ::ilk reside Addiiorvl d••alk krluxing t`mTsem '01-1011. t tan Lt• tour n•dit and ordarri, post 1.,•our -..rt a':errou-k L. t. ,b•r i:.r ear kcer,our, aLmIt op•r•-oacedlr+ytg aniraroable rsenb•nrttrf•a,err :o c.6,.• -roll, -silo nt pill, :o the end of :h• q.11, in t-J*I, It h vWdrkcl :o be haled, 11.ha1 halr>ens 8 rry i?csusrilis-Susricusclod?':'•t mw dose a'suAwd war a®Lrt and raur rOht :o obu r aedr a: ary :ire Bill br arsi waiar, men i',oL see no: in defzd'- Rccoun: sLsperubr can be pwrnarnert or :ertpoian'. a wL r accom: t dosed or slam ded tall rein: t, sb V. uun0 wu crick: cud and aceour.. _s calxel at asbna:x m.,merls..i derrai at crack: arch and amass checks. and 41 pay at amounts'raL air US,, ran r' tfei ;role charged affer:he accourr. was closed a•susperded. How do I MA#Paymenb?Pa:rxrr.•.•:ou nail :o L•.::•it be cilied :o yow•arrmnr. a•. o' tte bucker. ari err mete k. n•. lap - 11,mr c•nd tM be-on porter a' 0i. time:--and rc+,,k t:h• en losrd emit eon:4we,ard_ryel. r pa-.r,cr. i•. r•retrd in o re o' or.r plorec,ing re,-,.. bi Spn bar tine. ?I•.sa• Alm- ,sr. bast hr bur tev. dap:for mall "v rr. K ,MM rvernert, stmt:•d fl • Lis at art o:h•r boa:bssa• t any otMr'onn rsay not be -cfi ed at of the dr: we -eiLr Jrn, Do you vrocm Paw chocid as an Vac conk Furdc Traader!'::tNn ,vL rraulk a dud. M Penmen:. wL auJsorm us aMl our a"i-.s ei:her :o caw ul'omation Iron your dill :a r W* a au=Jre electrortfnrxl aarderfion,mt•dtPal: account arts Ptoaa :he N'rrtern: as a chick tinaac:lon. *e.•hen,!Y is* Florma:lon fron,*Lwdi d b rule an ebc:mnk !l nd :raider. fLrds may be•atttt ewer from wLr dtPost scours: a soon as :he ume dw ire roeeln vurreerertandIVL0111no*. realkowLrchedbadfrom *mLrflrnayatIax:ilwon. 'M Lr aJlortutbr it rot kN-.ed bi .he da:e on -.he check-:t'e rug rrsLbnl: and Aectm r talli cone: ttt rm.rred prtran-.L %STLY I I file f- Imlaw iYT Y,ou ar• iriskd b bard: rl.rlri pair lon.:his ronnr. rbr.lon kfar k,'omaias only. It i•. no: ar atzeript .a wills:. arose or ancowr a d•b: M rlairi. Co rot serif us rmrrrt.-.:fiwer. tr eaktg rat .-. bar kW.,i atbrre; .,it, r Lnrpiir-tt.lfyou or,ol.ra:xnmi U-il lie to ron:.ari art WrLcrpti As iris -Aer Nerdy. pksa• mrm- 6ir4tal Ore • PO Fox 051 S • Pit rland'•i.: =--85-510 ML 1 Na MaIR!, AuurlMW Inc- Lo: Appt :0 4vlm.cin^•r. Arrou -I YAut to era If You Think You Find AMk Wee On Your SlaLerfort 9 ,..*u Oa-L Jule is it) elnm•or'iour sta:*rwin Ait-e :o us r,: Capl-aldN ROLM =65 Sat Lalu City. L- 0-i m-OCSS n,aLr N:xt Oise US Of'da.Nm urOma•JOrc • Account irtrmajorY YOLr rum a rd aceoLn-. FLmber. • collar mw&rt:'he dollar atoLrt of Jr suspected error. • DucW.lose or ?robkn:UyW :hulk JsNe is a i erran on,aur bl4 descrlbe alnatyou be?cs t utora and •ahir wL hiliwe is it a mistake. Yo L must colraC. Ls •.c5Jkn 0o day-s a':er N error aprealtrl oil '-lours:a:emerl: Y016 must no:et• us d at,, Po:Hn:ralemws as s:'fiing. 'roi. Mri call la or rote{ in e4c:lpliu4'. bu:I' ,aL do tee tee rot required :o swesJga.e aril roten:ul errors ail :au may Farr b pay :lu amour, t gstestbr. 'xisit we nrea:ig+:eul-e:Mror not Jwrt has been ar Fn'or. JN fo6yW10 art me: ltY carrot :n to aotlr.:he arse Lrt In "Jam or npa: wL is d*hnglwr•t al Jut ano Lrt • -he ehrge b grastbr nri rertan m wLr rawnert and •m rest con:u,ue :o cllaax'tau me ea. an the. amour tut. N :rr dremi•e tat" mad* a nt:afe.,x wino: hrn •o rw• :IN amour. t nuestbr a an steles: orother'eet nt{rrd:o tut arwLrt 'Mille'iou do rot hare- pri :he amours: IP muster un:1 tee send'rlob a rotta aboLt-.he ow.cone of our imerigatbr, wu art wganstY'or Of renander of our balance. car arMyart' uerad awLrt agatr.,scurcwdi: limit. Your Ftghb Y Y-Asst C,assalMied Wits Your Cred K Card Pinch I }eu -d lsatkls•d rat Jr good, ortoo-irr that you Iv:r psxrh a•d vJ:fi •aol. r reel! card. and :ou h- trtd in good'dh :o roars Jr rloWn uiJI Oe nerrhan:. you Hai how .he right riot 1. pay ter r•nssiting a nosent dare on Ica rurlurc.-o wa,:M:light, all o' itr'oir. Imo nv : bc:rw• 1. he purdum r+ LS. lure bmn "ad, t :•OUl harm cb:• or sift t 100 ntY of your rane't nai•g adders. and tie, pnhn• prim ni :.liars limn nom :liar c,50, Note-WIM,er o'trwo are ri-rat ri I four p.rtasevisa based on ar ,xlrntk• r.. •.s. naaed :e,eLL or I' ,:r C-r the tanrum•tta: •<b You Ise good or sen•Lms.11161. rasa hrro ued •iar neat r rd I., :Ir p.r -.Ps.Irrau•a r.& W-1, -sh a ,- , ion - A-R si-lit a eterk that aeawrs lour-d!r•xd.xroLn: do rot quali'y.:.''ou,-nos yet I-',*i rid -W Ite m.A :•.F A of Jr crbria Lbm•• are n•: and,ou are ..11 dl ra+.*d :vL•h :he prrha a•. a rue: u•. in :-ding AF Cart.10 r P.O. Call .aces S !lake Cl:y. L' 8x1 X0.85 1:TaT• s r iw••ctiyr•. Jr :mine ndr. appl..a Ass, disputed ar»I.rt a•. d-.e,.M ab- Afmr ,r'i,'rt our in-tgairon. rte :-n -.4you arderkion. At -.1- putt Per Jdnk yo r. ors a r arron.rt aid ;oL do not r.V r• rsay mror.,ou an dellisluon:. Capra liar curpas% t/oruJos ML ipvmtbr-e- o n. T eeMt:e r.-.ari:ab reron Capita Irw f. a fedrrallr• in E-md serrlm r-L of Cari:aICrr rt mrral Como n:bn, A ryte. r••rn•d- :nlnrarrale-n- Y. e 0501 10 Changing Address? Not quite ready to make payments online? Address ................................... ,..... .... ..... _.._..._........................... No problem, Follow these simple steps to make sure .... .... ... ... ... .. ..... . Home Phone .................. ............ _ ........ ..' ......' .......... ." ...... Alternate Phone ............................ ...................................... _...._................. E-mail Address ........ ....................... ................................................. ._..._.. ? _ we process your payments smoothly: • Don t staple or paper clip your check to the paymerlL slip. Be sure to use the payment envelope that came with your • statement. Using d different envelupe could delay processing. • Lease don't include any additional correspondence. • Last but not least, be sure to mite your 16-digit dlLCDunt Please W sl: acd'es5 or them numbe',hanges aoo•.•e Lsi^g blu.^ or Mace ink. number on your check. Take Control with Online Statements Managing your account online Is easy: • Check your balance and view recent activity • tiievv and print copies of past statements • Pay your bill online sign up at: www.capitWone.com Page 2 of 2 1400455.7070 www.capitalone.com May. 22 -Am.21, 2010 31 Drees in RiBng Cyde MASTENCAR6 PUUNUM rr,;{;r,_x'!.x-xxxx•A2a1 Cmcltlimt: sI?;QCCN Avada*Credt: scro NEW BALANCE h11Nrr1UMPAYMENT DUE DATE -MhCW(Itl'lint: slr.oCCto 519,3!9.94 51:607.00 Jul 18, 2010 in'allalJh` Credt for rWi: sc co Previous Balance Payments and Credts Fees and Interest Charged Transactions New Balance st0.t??.o0 - sox + + so.tw sls,nx,.e-i TRANSACTIONS CONTINUED 'ms :•sre assessed a pas: dte fee bumse •ou ninirwn pa;rkit :cas nat recefrd b; is dr.e dw:e. -o roil I& , in ti-e Wure.:,z remnner i dw: ou alv; at k st 7 LgAv dr,t fnr-r.rnininun pr-rmnt:n medi - apN lire. It you cannot make your minimum payment, but can pay at least S415.00, call us at 1.800.955.6600. Your account will not fall further behind, even though it will remain past due. JOSEPH P RUANE 5U:tYJ7 TAKE CONTROL OF YOUR CAPITAL ONE`= ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955,6600. joav r rpiar on, ur one ir,r ,hdenij; r r,'ui:rrrrri :n'crir mark. :".1.% rr;k., r :en-rd. Page 1 of 2 140-955-7070 www.capitalone.com Jun. 22 -Jul. 21, 2010 30 Day, in Wring Cyde Mfg MUM PAYMENT Y.',W.NING: 1' has rule orh 1% ntlrux, pr rw-. ex! ttfoc, ;m 'A t •r nom k Ir.ama. ard I.: R .dca -, os bnW to tar o ''.mr Fahroe. For exarr; 6: MASTERCARD PLATINUM h70J J?J9C' t't:{ 8O°t Pay"ent Amourc cachMiod r No A pprarNw.e iin,e to Pad oft [stNNred NEW BALANCE MINIMUM PAYMENT DUE DATE Addnicnal Ckarges Are Made Strement Balance To:al Cost 519,618.98 521)22.00 Aug 18, 2010 RiirF+u'r PaFrier: 33 loam I' :w1.111 16e inform for aluW aedi. cocmelirg series. u1M t -000.326 cLr:. '' '' ''''? "'r " "•' IATC PAYMENT WARNING: I:*,b ro:roce.* t% r r$fIDn prSler:1r;,m"dut%WR. Cmlitlind:<.I9.aCChT Cadl?mc8t16.iC51r..CCO.OC vouna.•!a'atota::539.uiNle'eexie•,'ouP.PFsnarlminawseee{:oaePeruir, ' AT*,o 23.1 f-L Credit: IC10 -+.gilallk Credit for Cash sc co Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S111.399.94 - $0.00 + S219,011 + 50.00 = 119,618.08 I:.. -:1,r I........,.a; ,_ :...;r1..,I..1. :..It...1:::.. ...I,.. r :'--11,1'-111- :MI q' I-1 J i' .: :. .1 it i' :.. ,.. i .i i1: i . '. Help is Available. -•-11.'; .,.I: ,. .. I'...i.;..,..:..;1'1:.....,...,..:1;,....1.•: 1.1. `TRANSACTIONS Just pick up the phone. PAYMENTS. CREDITS It ADJUSTMENTS FOR JOSEPH P RUANE Jr8881 Call 1-800-955-6600 and 3 stttc z ly trairrd =w-ii ,A be iap9y to help yo,, cfEck yo3r ba a7:e an, -n3ke p3yTerrs. FEES I I9JUL PAS-11.Er1l 5.4yyj -o:al roes -lds Period S3C'19 -o:alre•. -!F.'roar r>ia.r+? INTEREST CHARGE CALCULATION INTEREST CHARGED 'lour Annual Parcentage Raw yAPRyisfie annual int test ratio on your account. Ik-mr, n-Ar.Lr:r1.nnAsr< 41ac.c. AmualftmasAage SalamSubjedw 'otal Ircies: -ti Fhriod ; 1.3c. Ci Type of Balance Raw 'APR) hrwrest Raw Interest Charge -o:alMixms:-Ids ,car Pkrcfascs II._ "sD ;I^,4`-CJ. S1XC:: Sc V1 :AT.tx TTansactio ns mnI iii tin on p.tge 2 PI fA.sr RrT11RN PORTION nrl OLti VATI I NVi7mrNT OR I OG ON TO `h A%N.CAPITAI ONr.C:Ofd TO Nwr ioun Piw?.9r NT ONI INF. 1 5178057279228881 21 0000000405002022001 Account Number: 5178.0572.7922.8881 Due Date New Balance Minimum P,-y'1nun1 Amount Enclosed Aug 18, 2010 $19,618.98 __.,nr, . 1111'.ALl u111' JOSEPH P Rl3AME 133 WESTCATE DR MOUNT HOLLY SPRZM6S, PA 1781.5-2010 111111-Irnllhl+r-I'111111-I111111`Ilu,ul..11111111•II-'III Take advantage. Take control. Manage your account online at www.capitabne.com A.lakf, na'rYrPlr.s • :ipv c--.% 7: rn3r' In'"drrii-xii AQ `Aarage ycu- ar.,Lnt n pi v3cy Capital One Bank (USA), N-A P.O. Box 71083 Charlotte, NC 28272-1083 1111111-Ill-vlld'h'1111111-'111111-11,1411.11^111111111111 Please mAe checks payable to Capital One R" (USAy, N.A. and mail with this coupon in the enclosed en-.elope. .rltsf's in your wellef? How ran t acid poling listener Charcess rasa ran:h :oL pay r°L.:+naWrsr^k, h./, :aI v:a ta,•. a ninsri gw• pAed o': a A.r? .. ?.d:h Iw rtrr.•t rl,anye on atrr:r I i ?urhar, . s baLirsr :nr•}.r-., it sPrchl Purha:•: and <r o:hrr rhnrpa., i •;wr tn•. teas rayig •:ar acmLrt in'Ld1 wrh ro i,t.rr.: rlsatgs•t M`rNM and :ou do Iw: pa•:':ar nrd big in fL ? prorated in:mm: rtarg•: e,'iM avxsmd, -Irm is ro gram r.doA or cal .xt:•a errs, cprrid trens'rn, or on n ry nn:• :u r•.r:ion efier :hnr h a, srgwM balarm ion a pal-:ixn bill. How is the Interest d,arpo appl kd? eirMes. charges aom* from :Ile 1 i dart of lx :rarsxlm.:s dart Ito mrsac:ion a processed or colmdar dayof dtt bi&g penod. inertstchagnaecrLecN RrnLrpadamorr.urUItIstadbILK-Ikmeasyoumatowe ii:esr. t:taryts tier N'rou pri .he en:Ne'1.t\r Galas' ax ral:h. ixr. ad rot do m for :Ile rnetlLS north. unpaid ruWU chases ale xlded,.o tee proper warsrfn: of your account. I Ia\w•tr. \e reseme:M rbH -.o no: auess inane: charm r. ary'ane. Do you anew & ukdrsum InMnd Quigno Yes. Aslime. n Ih'CPCS- Ci t+Fy;C of Lr13O nib be ,n:.a.:.d for aes-t b[i,g period -your -n Is •abj- w on iter:t rho ge. r ria• odd new cnkuLotethe rnao•HIt ,.tars,.--Irlr err Lewd rMntlaio,: lies: arr. L:.A b Msvrine-.-O :o:,-Ilya:-haW.I,-ogec:vu'na['h,txro-rar'CYhs.grxn; nl:aL. b.gkxuig hiuro and add in rs•<; aarxiom and im rniodr itrrct rhatUc, on :he Cy: bsv. desy'l hiarvq: I sub-3 my prynerr. and rrdhslor isrt u0-st. as of that shy, he -cast. I,. :M done baby. far .art rgrrnt, I-r, a your p.M your p- .,b L: north', baIs- i full I or P :o s. r bdarm ;ra, rnv or a cn•d: areas: L navtsanacebr•, sd,irh ro:t to :o,Ir PL-tall Of '4r411 Ps. MP- sogn.n•.: as, -added . the des; bdarsrt, Aio. r:.-l-t tar: ar. •abj n to a 0- tested em net added b it da0: bob-, `,'o end rosrAror.yI'll My nalmrr 1, add the do[' helarees torteil r and 'I ea,•id. rte tl.n by ue nun her e' days Or it bitg ryA-% ',r::i'ut• yoLr-otal lit-s- Churn' I t nI. atdy y«r -age dally Mare by the daily period, roa• and :I nuttiy the r.:LI by :he nuriter of da; in 0s, billing Mriod. Lrrr• nl.e :e MLrd Eg es, o misrie. n interest drys., this CalrLdrton mart , sryfrw, its, interest ctrg. r-uah':,- wadi How can hry•:arl" medal Poison Logo se to ii yn) change our APP. nay ixismat or decleass based or ohs of Well stm lmd rdba repot ad Or rho astir Swat !arn?. -o itrd which exkx is Lsed toryour a®Lrt look for a cart A. L. C. S. D or rt oil lie horn: o` ft sta.etelr netd:e -M APPas -leer dxck iw t"W* blheh\^. ode 'I'Mao Yaw Arowl Perawitapa Fla. (AM India which you r run are Lased on Men yoer Annual Perdnlage Rib wNl ah-sto to 01-6.1ir Prime • margin ploviorrli• ebdoacd m Va. The dal: duya' Ira L OaeAarlr LIM • -mien inc I II daebrod b you hitting use C Quad" eD • means pal\'bWyrascamed io roe eM in Jneuy,Apdk 9 Dan kcal Prime- mosgw p-budydslmd!a rod Jryand Odahar, D Marital Prime • maea prrslom* dnObnd 10 YOU The Orr.. nyo• nob r Morality LODR • martin psrinulyrdiackwad b I- sanity Will a Trauary LlOM- nay- prarbu*dixlowd•a you pored. re Utw. Adsliliena(f-ansoriALed'aith nV taciturn I?Yes.. I.rder re ,sin ei-i-:ants-.. nay be messed a I .. or nr:umM Parries, ree. Vote rnyalso be charged oierFit -ees t PermtM by ear.. t•:e sr c r.•e :h. dJtt to no. m ri:}.raNiimr. pior rocks, and wtFoLt os.r right to asxs, a <irx?er fall W:er. tIU'a ran I Clsas rnv ArreuneT YOL ruy rlo,nyour .tams. rt b' h,i•g or ariillg arCL!:orler s.Wtbr•. Mparerwr., At Ma: es,,.. wr :ra po:•ide add:ientl sL-a[ irksdng p?t,s•rt M'omrion, i you Lu:as.r red: nrd orsiag.<pan b tar aemLrt.rceryos ark sac :o cell:- is wr car ksrp rax'rrosn, orer,'o aroiA payig atryrfyeNrabk rmrtbnt?•fr.sc, call ;e eber }near xrosx,: Prbr :o :I,r .nA of :M s}cE M vfdrls a h •?I,rAuleA :o be b[.d, lrba l IIMMns N nrfi?LliSISLSedICI? YJt mar' don or sutperd your Loa Curt and -,,our riltt :o obur and. a: ary :ale and }or any aim r, @w n t',,*L are no: in default. Accolat. SLSPtlsb r can be permanent ot :erlparal•. a ioL r account: a closed a'staperded ynu resat. I i MP w" )1W crtdr. card amt atcatm:.:s cmxA at a LID male pin merts.:r derray aIcrta: cards and access chicks. and c, Pry all amounts i0 L are US, earn t'ttey tale durged after the accour. im cloud orsuct4rded. Ho's do I U.A. Pal mrnht Pgr,nr.•. you ndl to Le -AN be salted to is.-- wn -. ac o' tte bueis•s•. My err rreir'r.. a•. la,g a:• 11:as c.td tM bottom po:ien e'thi :trrnen: and ureterti:he toted r.n8,rr. vow-lope, ard:i'as.r pxteven: I, r-Led in ore o'ot.r pwe<sMg clv,:.r. by Spas 6ctl lino. Il.x. aNOic s tact Cl bLrier. da,.•.fw naq de[rr:. wa IIM -wart nvehvd by Ina: ary o:hn• lom loll a• E any Oster'om nay no-. be mdi:sd .r. of :M• day wr -.rear leer,, Lb you Prestos Paper checks as an Slocuonk Funds TrantPer?':t'Mn'roL prwde a dice as pa,r'iew..*L aullol$e to and elr'a"i-.s ti:her t0 use LYoenalon 9om you dad :o make a on»•:ax tsctrortfund sarsftrfill n ymrdepod: accow. or to proaa :Iw panes: as a check leer.,:lore. r:Mn vt Let Marmelon teen lourcteci to malt an ekc:rork'udl transfer. }Lrds alas' bewatdla r final lie LI d1POSR xCOUn: as soon as iw unt day I^ -Kale y01N'MMOrt and VOL w/nr.reah`tsad hod, back from yOL r fbaxialksr-. -ton. ro Lr au'horlutb r is rot WV..ed err :he dux on :he chtck.:1'e may RsLbnl: and tlactro r call: colic. tee retLrred pra*n:s. 1:hal it 111.1-j]gilkalWya? If I... a. esti:IM b bavskr,plry pro:-Ian. -.his ream Lrtaaar, for In'-sale s ail: it it not a r a-xnp: to no 4n. ni-, or Ienover a si.w or ria in. Co rot serd u plymere.:-thou: creak ig vet }mlr borLrup! atuowr: or tkr C ,knMxyCoLrt.If you or yoLr itons+y weLIt [se to con-2 our hirknsr:ry rolls : n-.irrr dlr.r:ly. pl-- mrtr:• Capital rxe - PO 11t.SM W • P.ttrtoml.'vA -1-83-Std'. nn I INC, RIN era nuu MARY jr%-.. L o: Apply V. aces I nl.cin.u A-sou ,I v4va to Co if You Think You Find Atalturko On Your Statesmen L: t :or it PL llare is in nlDror your M-.men:. Hd:e :0 us a- Capi:alorn M. DOr MOS Sat Lake u' L- act O:LS at WU 11ner, sere is tte'olo 10 bn'orna101%; ' :account ryormrtarc xeLr tax a rd account rLnbtr. ' Dollar amoLrt:'1'e dollar anOLrt of lie Pjgwad error. ' Descrtelon o' rrobknn ecu :link lion it at error oil your, bill, desail allatyou belro t 'arorg and :dry rV L btarae is It a rituals. Yo L rant carx: Ls -Misr do days s':a :Is error aPreaM oil -,w. s:i:enHl:. "oL molt Iw:Ny us of try wontaltnora Wonting. Yo L ria• cat LS a• roW Ina &VIvilkaW, bu: I've L do ,.-.,+ are rot rt•iWSd :o il:eslga:e all,., Potm:lal erron ald'-ma maF tact t0 pr: N amour. r qutubr. lxhife:e it rts:igre:\?els#roe it*-. low has bent ar tnw.:M b6:etq at tnr. ''!! cAr rot's :o W k lw aP10Lrt n'1ues:Wrt or rtr a'to L as Mrivilaert on :lot arwL rt •'lit Oagt r'iutstbr my renaln on'POLr rafemert and we nay contilw to chaere'rou ime ec on tea: account. M/:. d is,! Ife'!IT"r! lutie -tats a ma'1kt.le L'A41no: ht\e :o lay :I* amoLor. r •IWStbr or ary ki,hm: orotter'm Nla.ed .o lut"L rt. •Xille you do rot hm-.o pa' lit amount: r qumWr unll stn send roL a rotbe ibo Lt :he ouxorx of ow• resttgetbr, iou at wgeonsln!'ar tell nt+nndM of i0ta' bilance- ''re car applyab• upid arwLrt agar-. you•csdi: Int. Y-, Aghlr If Yes ere Learalisfied Nth Your credit. Cold Pueds asx a eat a. disatlufi.d e: th ix getiae. ar':n•.irr, shafted Iw:r purhsM csh :m,r rr.d: card. and you hx•. LEA in goed'aah :o rotect :Is, -abed- viii the nnd,an:. you nar• tax :he riser. no: b pa: tee r.nokdng ar,our. duo on he, purrlsa r. -o ux +k rVr... M o' tte'ob:iig nv.: be 1- 1. he p,rd-e r-.1 hair beers nand. 'r ear horse •A t. or w•tti 100 matt oflou runrem, r,oLFg aMms..ad tte ruches:, prtr nL:; has been rase .her •50.04.- riper o' terse .ire r-tory• IF your padre ems based of ar ad-d..nnr. tw railed w iou. a t' wr - :Is, m npxsythr. •nM :'ou the goods or -111-1 ?. Yos. rx" hair used -ease reed k -A b i :Is, rLSS•taelo-kase•. riado wits rrilliklrs "ors on:•.-k'orwet o ehrrk the: asxssxs sr-dtrand -rent do ret spali :.''ourlL no: }r: hrr'sdFy piid'oI'ue purls:.. I' on of tM eArrio alswo . -t and you arr. chin * -tfEA .shh lie purhrc. sonar, n•. in r,hi,gar C.Pi:a1,A,. Sat Lake Chy. L- IS.UO.0.03 1^. ht• us, in:.:tiJa:r. it cxx• ndr. appl' •o :hc disru:M uws.n a•. dsnr?.M abo:•.:.fa•r v's'ktkh as, Inrriga:iwL rs:eiL•etyou arAerision.:.t :ha: po it i' tint :hi,k yo I. one as, ,rw Lrt ad yoL do no- pay :r. may repo-. you at delinqu.n:. Capi:alrar :urpara ibrrardon pL .'pro:rdbr•n•. oLrrmbi:e r. r: :v:; arisibre,ron capital Car t. a fMrdly Irgk:.nd wr,•ir mesa: of Cari:alc-sr rFanrial Corpra:bn, :Jl clot-. r.•Ntrd• :nln Capitilcitr _Cn 05 01 10 Changing Address? Address ..............................................._ ... _............. -.................. _... ................................ ...... Home Phone_ .......................................... Alternate Phone .............................................. _................................. _.._. E-mail Address ............ ............... ............................................ _.._.._. Please pt is,. acd•^Lss Or ahem numbe• changes awes Lsi•y bluLL as, blac( ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Dont staple or paper clip your check Lo Lhe payment( slip. • Be sure to use the payment ernebpe that came with your statement. Using d different envelope could delay processing. • Tease don't include any additional correspondence. • Last but not Iedst, be sure to write your 1 G-digit account number on your check. Take Control with Online Statements Managing your account online Is easy: • Check your balance and view recent activity • Neva and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Page 2 of 2 140.955.7070 www.capiti3ione.com MASTERCARD PLATINUM :t+,1! xx?r-xxxx-saal NEW BALANCE MIN0'r1UM PAYMENT DUE DATE 519,618.98 52,022.00 Aug i b, 2010 Previous Balance Payments and C"ts Fees and Interest Charged S19.399.94 - 50.00 + 5219.0.1 + Jun- 22 -Jul. 21, 2010 30 Days in Bilking Cydc ('md@ihnit 519ACCro ;available Credit: SUO ?ashCmcttl'ImC: SIr.QCCti7 iaallabk Cmdt Im ra* SCtA Transactions Ncw Balance 5(1.(10 S'19,fi18.90 TRANSACTIONS CONTINUED '. of :•xrc asscswd a pas: d tc m bxatm, •atr ninirvin pa. rmrt : ;?, iwt reef td b • i. dtc da:c. -o a-ail ik ?e in tl-c (cufe.:•x remmerd -1,r. ••0u ato:c at kart? bt-.ii-- dat•• (nrm.r nitinm pa--Tent:- wadi raphl Cxe- it you cannot make your minimum payment, but can pay at least 5425.00, call us at 1.800.955.6600. Your account will not fall further behind, even though it Will remain past due. JOSEPH P RUANE So;cyalJ 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 fire check by phone service or speak to an associate by calling 1.800.955.6600. 8! 009 6rph.I! Ow. 61ph'al One is.r !;•dr•rnilr nprinev- a re4P:it rnxla•. Ali sigl:l.• Page 1 of 2 1.80-955.7870 Www.capitallone.com Jul. 22 - Aug- 21.2010 31 Days in rdBng Cyde MINIMUM PAYMENT YlARNING: I' wL nave orly dw nelnun pnrter: ead• I edoe, }nL ,A I& now Ir Ir.esu. and 1.:dll .ake ; oL bnger b ;&; o•• wv l ahrce. For exortrle: Platinum Mastercard )?J?.SJy?•:{:tit(GS°1 na)•nMArnoun:EachPeriod PNo Apprtn[kWoThip to Payoff isthated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Clwges Are Made Swoment Balance Tool Con $19,846.16 S2:447.00 Sep 18: 2010 1-1irimn Pay wr-. 331444, V5.'!1 E';oL vmH 16 krforrra.ior afoul CNdi. cosn:etrg se As. rAh 1.888.326.865'. LAME PAYMENT WARNet6: t •ra do ro: recMR'raL r nirinun pa'ater: In Lm.rdue dare. Cnxlitlint: c 19 000PO Cady rrcdit l init: S l r.cco= mu rW l•awto IA8a hie 'ee?Lp:o l35.00 a". iou APIRs nag be intro:". L I:o:I•e ' . . Feral: MF. o 23.1 r-h. A)milable Credit. I CiG 'omitabk Cred it for Cash I C.CO Previous Balance Payments and Credlds Fees and Interest Charged Transactions New Balance S14.Gt3.gk - SOX + su7:1a + so.no - s'1g,a•16.1n I:.. .: I.I.-I •..,... ,..j.i..rr.:...; Yl. ?yl':r.:. .1 I; ..I ::: ••'i -:Ili.. --i.-.rr.: --- - •:---n'I'ilr- :II r•P:•: i':::1' I-r .I i' ?ill•r•..j. .. ...I... j i ::...:..i.:: i...: ..1 .1' ,.. i l i ..^:I'r'-•:-"irli'rl,i.,.:,,.j. •,; .:.... .:•-1,......-I''I I? Ii'I :...•.I•..I Help is Available. Just pick up the phone. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOSEPH P RUANE #SUI Call 1-800-955-6600 and 3 spec F. ly uairM agPnl Joil be iap-jy to help yo,. ;l-Eck yon ba a7:e ant mike p3-6-Tems. FEES I ILA.U6 F S-[L[r[[ S3 ^i0 -o-.al r3. -II'r. Perbd S3 9i0 INTEREST CHARGE CALCULATION INTEREST CHARGED Your Annaud Percentage Raw iAPR)Isflc annual interestrate ar eour account. II; rrrs ri-Aruni'lFrh:Ur? iiX.19 Annual Percentage BalanceSubjedto oral lr.oes: tB Nriod ;1-3621 L Type of Balance Raw (APR) farwlast Raw Interest Charge -crallmeres.-IAs car 1.`2:.61 PUZ[ases 11.1 ^cD SI^,'I:::,6 SIaL.IL a:f n.1c^ r <Cro SOX Trms.ictiow mnl irwo on I .z rjp 2 PI rilsr RFTURN PORTION nrl (N.b win l wiftirNT OR I oG ON TO VoV A'f.CAPITIM oNr.COM To MAKI- YOUR Pi\YPL4rNT (?NI INF. 1 5178057279228881 21 0000000405002447008 G? Account Number: 5178-0572-7922-8881 Due Date Nero Balance Mirirw P.rT inrnr Amount Enciesed Sell 18, 2010 $19,&36.16 - . 1 nr.: ?3.e am JOSEPH P RUAME 333 WEST6ATE DR MOUNT HOLLY SPRIN6S, PA 37065-2010 IIll 'I[IIII III 'IIII'."'d-1111'•II.1Ill 11'II'1.111'111Ill I1,.11, Take advantage. Take control. Manage your account online at www.capitalane.com • 41akP ^agrren:( • -wv P'S a: rn.jr: In?-%Irr2:Kn9 AQ 'Airage ycu• acr0Lnt n pr Y3c}• +XO:.: Capital One Bank (USA), N A. P.O. Box 73063 Charlotte, NC 2A272-1083 IIIIIII.III•,IIIII,I1,1111111.'IIIIII..II.I.III.II.'IIIIIIII-IIII PWsr make checks payable to Capital One Bank (USA}, N.A. and mail with this coupon in the enclosed envelope. CaP?ff??. ' wAaYa ie year waNef? Flow ran 1 a,oid paying Intere.t Cha96e7 rack nalil }et rarynl.r "n•:P R.dartn' ill fLS yore a:ip Fa:• n nF Fnr, gasr• prAoA o'.`• Ar,•.:vi:h no Ftrr••a rlurge on aerr:v I r rurrlur, : r An"rnr :,nrd•rc, h r,ptr.N PaHu:••. m+A y ether rhargr., M :eke kmr been pstg •: an arms rt in'ull W:h ro Mare.: eh yr, pp&,d anal :mr do no, pre :roar nar,t hill MfF%prorated In-c1larg .-Mb•arn•od,-Irrr IF to owe periodor na,.F aAvarar,. •.rrrhi tmn,'en, or on my mete :,nr•.x Jon ulxr :h•Ir i, ?, aRpttl barren inn a Plrieu, bill, How IS gw Interest Charge appi led? mails: Charges accna room the 11 da:6 of its :ISrsaeaal. _i da:e tin zarsacial a processed or -firc ourWar day of Jh6 big Miod. Irtenit chargesawLe on 00611: Lr paid arwuy: wril a is paid M ILL -Fkroansyaa nay owt Weser. ctargss Ever k'rou per' :Iw on-.ire -kw calaree• aw nen:h, bu: did rot do so for lie Plw'b LS r-orIF-unpaid r wr6st charges ale added b to Moper s mir. of'roar Accoun-.. I IM,w•e.'nw nstne lx re Ft -.ono-. assns hrFres: durget a. ary :ire. Do you arao>< a 414drrum M Wod Chwmo? `ieL : ri,inr.n IL-[F.[S- CI L:b;[ d <05g ra be r.:••r.•A for'art big perbA': our amoLrt h :kbj•r, to an irter•:t rlLpgr. Ibex AfA yaws kolas tin InroIMR chxaor -leer ar,rrrw minda:brr. i,s:.e• L: •A b deterrinergr:oa,ehroir-.rharge, I,-egr: }ekx•fL,i'Rarnrc•rq•rxh:•grx•n:, II:aL- :he h•ginnLq barrxe and add in r- .-ion and :he p•Aedr Ftrr•:t eh..Oo a, -Jm Tr IloIA day', MAnce.: 1416-1 my Iyrmrt.. and rrdh:far i+4 Lag-, m of 1:.-- ha: d;', le reark:IxdaiR•babrx•for-ad xgn•n%l-er. IF yarpatlygp Prrvbt nertkY bahru• F tarty roe i' :o r. r bwarm ::•r.:nr or a epd: anarn:L r,ra. t rnuxtb rr.d,irh pe:t :o kr PLrtme a :pr+lal ry.,daw,.grxr,:•. are no: aAdrd :o tke date' bwarm,, ..le, . n r:arien::hr. -:WFj.r: b a genre Mlod arc - aAA•d b Aw dadIF- 'Ind wrA:•rraq• Cai R,lanre- I r aAd the dai Awarm, mge:lxrend -'r Ai,•iM tke cr.n hytke r,bq o' dare, F i,• big rirk. -.n:t,ate yarr-o:d nrra.: rlwrge• I r nr. ?' yelp rxrage Awry Mlarr be iu Awly rrrloar me a rA :+ radiple i,r r••a.t br A,r Iwnhrr of A.r.•. h, tkr hiinq rrdod, RaTr' nLe :e roe. rd tq a a rwin+. n hrrrr. rknrgr, :li, rindrien nn•: -art from the hrrroa: k:Farq•.x:auN': n,•ar•rd, How Can nV viriablo 1MrWal Porton ta9o PALO ti rPW clharlgo7 "Orr APR ere ixlwe or decease baud or on6 of wmi slandarc FdbR IWW-Ad t T.4a StA„SUaal :OLrro.'. -o fed %thids ixkx It Lid for your a® 6rt look lot a cork, i, L. c. s. o or rr on Jw }role. o`6 IF Sa:H'tl11:Ileac :o Jw.JPasL -her click JM talib bklm ale rwlRb ytar ArriSM Pirrarlrele LAPM Index which your num are bated en elrwn you r Annual Parofatale Raft wl I L•hMle P Oaarlarly Pine' nvgin p.,k.* dbdprad to-M. 71. L Chartory LOOK • rata praie.ply diacbred b Va. Wh" pcriedr he C aoar"mlv CO • Pug" p %lmmov " mw e.0 roll end IN Jaauary.Apli. S 0. kmrd PrF,c • -4. p-bupHd.doid !o yop p y a.el ctlobcr. D lbrwdr P111e • nNt" RNwaly d"obSed a you The sit dsyo• eaah r Mor" LIOOR • rsgr pavbuwydladRrd :a roll rw Wy hill O Trmawr LIODR ' -Sin ppbutlydinc and b p' ,.,bd. w lhoro .JdiU-I Foo, aapaialed -I lh mr agaunl? Yr.. r.rder reR1n rirrurr.:ave:. .r• be aa,r aed a Lr.• or P-mi-el Pa yr,ar, fee. You rug d,o be charged -11i, - a p-1:t-d b,' Lrr.. Yk, rr.•r.•r :W rig ft :a no-. --I- '.riAwu: rwioe rotkr a rd n'kt-t .. arMq or.r riglr.:e a,•er. a :h'ir r fro L-. Fb'A' Nw ciem raY ALCOunt: Yo,. rrr d-;.. dme.. rt by ,Erg or ? ?riiy arr'rL::onrr a•rtbr•. n•Partrxn:, AS hest ttu, nr ::# ruariM addiavlN:al•. YNu.iy rLr.•nrrt 'e,r,a-.ia,, t you L:•:rou mAi: nrA a'ckarq••. par. b yqr amosrt d:cr:ou ?xk rr.:o ?loa• i:, ur ear keep }oa'arraun: over; o a,'aid Paytq arryarrlkabk rxr,b•wtrPf•a., mR ;o clot' }nr. r xroun: prbr:o :hc n,A of :Ix qxF M efiFh i h u WAWeA :o loo bf&d, i%hat happens it mr: ••t is s rsep,n I I? Y.r nay close or susperd'e0r mmhrt aid your rb?t :o obuir aedr a. are tine and for are arasor, rMD Y yot a v no: in defaud.. Acc0U11: SLSptrtsb r can W perrralert or :eryrorr.: a you r iccoun: a closed orsuiperded 'mu nor. 11 SbP USilU y9Lr aod: card and accoun:.:r oncO al a Lbru:k wriorts., des:rae tlered,: wck and amps checks. aid a, Payal:rtauh:s you Mae us Owl p the; 5rtle charged after -.he accour. %us dosed orsuw4rcled. Ho a Ao I L4rk o Paym6n"? Pa•:r+nrayou nail to v..:dll be minted :o ynur nrrount a•. o'the bnaFn•.Aarerrr iLeb.a•.lay- 1yyouandtheboron Portion a' tkk:*lima,:ard rc.Ferk t:h--Ioied r•nf •e,-lora,ard:i ;w.rryynrn:iu•rrirAM ore e' or., pr-ing-t-tie5rn bml:Inc. PI-. alla';,r.bast,^•1 bu:Fer.dr,•. fa-Ildelrry. R•nil•A 1Lyr,rre: ra'a`k••d ti,•,n n: my Ohre bmian a't anyothn'om ray no: be rr•A;ed a•. of :he Aeea;r r•rekr i+en, Do you ProcOs Paper chock as an [lee conk Funds lrandon v.t1H1 you provid6 a shed as rr,r M-.. yoL auilon t a and Ouragtrrs *ilM :o ua al'OFMS-jon ion your died :o rata a em-Jew eloctlortfund:rarsfefbn•aurdeposl: accoun: olio procos :Ile rw w it isa check 7almc:laL tt'Fen!eF Lu i•forr.ial fbn;our ctedkto nake an ebc:ronk VW .rarisMr. fLrds mar bra7tolm r from yLr depose accoun: as soon is :he rare date wt recowyour' pwmert aid y9L itflno: rrOtee iarw check back fron D;.rfYLneia1ir4-.iwtion. Yo Lr tu: horltatbr, Is rot it ited by .he date on-.he chtcL'.Ve may resLbnl: and electwrtae.• colsc eke rcRrrad prFtyews- y5'hal M I Hlo for lanbunlev? M you are errl:h•A b bari:nro '• prorr:lon :hk r n r. rtnion IMa Y,'emmbn a,Fr. is<ne; a r a::ertr::o mtFr:, arn•. a rrm:n a A•A: ordat,. Co rot,erd an rwrmrt.:tii,out,'Maktq Y,ik-barkny,:r. atbac: a'tte Cinr,rpryGoLn.lfyou a•y9sr r.:omaea:eltl Re :o rarxA an barmy,: ? rla to a•n•'rer dim} pkr.• corim, O,p'ral Ore - PO t-&M V - Wriond.''::. ` -`"5.518' Mt I N I PJComk 1LUrdraaRY a+o••. Ro: Appk'' m"BOLCill t Arranr.,l yathat To DO If You iNnkYou Find :,F& Lake On Your Slaienbnt a you tef k -.Iwn is all enm'Or'rOUr Stironen_'Alre:0 US r.. tar,:atah, P.9. Cat 0265 Sal Lark CI:y.L-6-1 WOS In'mL I Ia-.:es, qhe u 0e -olo:Tlnq M'olna'Joll: ' Accoulr i'brra9on: Yov name and accow: rLr,bw • Cesar anoLrk'ke dollar anoLrt of the rusfec-A error. • Cewlpaal o' hoblen:lf, you :lull, lien it an error on your bill desaaw afut'ew be*,* a :wrorq and •alreyoL bei0e 1: is o rdseww. ro L MISS COMIC: LS :rnhin 8o days a`.er -.Ilk error it nomad all tguF, c2:ernn-.. YO L must no-* us of iry won:ub"rs in srM:nq. WL rr, cal Ls or rotfe u okalwiea4', bu: p YOL do !!'t art rot r*%*vd :o illves:b3ce are loin:ld moron and •.au rtay ter b pre .Ile amour. A gmstbr. .xilileae Tres:rgetwt#1wr or no: -.heir has been it trim. JH b O:Mill are tae: •ttrurrot:re:oaic::herwLrtnquesJOmorr#M-. ,mLascl*hiv rtoli:letm,06rt. • -he darge t qu,Stbr nee rerraM on yo Lr ratener•t and are mare cm-.Nvm :o clharge'tou M:tret: on tta: amour.. "a:, f ?, de:tmi•e Jutae Wade a ns:ahe. }9L a'i?IW. here :o Ny Ja amour. I- qutabr or am' immix. orotker *4 relced .o Jut awLrt. a'IVr you do rot Ihave :o pre :he amour: t luestbr unJl .re send mL a rotte a W Lt :he outcome of our A-mrlgatbe, you an wspond*'a•tte nrnauhder of your Wla ce. ''::Y car apply age urhpail al'IOLrt agafs: }9urcndi: ire. Your Rehr a Yew :w Di"i.f,od Naeh Yeur Cndk Card narrhas,, a :nn arr. Ak,atafkd •'ik it gooA•. orvnte•.:lutrou ha;r Purrlu:•A a:ii, ;nr. r n•,ti: mrA. m,d you en;n trM in good 4th :o tuna's :h• problr, a;ii, tin naALa,:. you nor,' her :hr riglr. rw: m pry tin nnahinq nnaur. Aar aI Jx• purrha e. -o krrr:hF. right. dl e' ter bb:vY,p mutt be :rkr' 1. -Ix Paprhar mutt Ia:r b.rn rmM t year Iwnr Mx or r:te F 100 nb, of 'tees ra,rrt na?rq .xklra-a..w,A tte puHw.• prkx• mutt her been rwp• these L50. rNo:e-Neaker o' thr,r ar rrrk,eure M yap' pr.rchwru9, bmM on a r aA:•enbnrr.:w rLiIM :o }eu ar i' ar are :W mrtPan}•tkm •atl reu i,e geoid or ,rnir,.h ?. `ioL rare her u,ed gar rrcA! nvH fo r :Ir pLrtae.PL reka,e•. r,.xh a,id, n,l, aA'axr.'ron u,,3-R• o rr:ik a eMrk that aesr,•a•, '•oaa rreAt rard amount do rot gkuli°,::. ='eu n,.a:net yr: her i*; piid'a'teo ptucl-. F in o} ;Ir at- nba•• nr• n•: nnA gnu are :'ill Ah.:aid4A :':li, ix rrrrha o. mrLrr: u•. ate Capi:alar P.O.Cap;0;65 Sae Lake City. L- 811-*0_83 ':t1d• a r ire:•:tiyn>. ir:ane rules. a ppL to die dhp-A ac-rt a: dhnr::M.bore. After Yi t our M,v.:igrion. aw :vill toy- oarderidon. At :l- pots,,' - :kink }r r. -r -Let and ynL do not ray' :v ray rarer. ymI an delinqu-n% rari:aleb,• a 1PP-l tforraia, prime: pro-abr-•aM m.n:rb*c, at --. api:abre,ron rapi:a11m. t a f•derdl.• myk:nrA -le, rmrk of carkalc-- rtm,rrl rorrontla.. A] rbit, reamed. ;nlncarhalrar - ... 0501 10 Changing Address? Address .............................. ................ _..._.._ Home Phone ...................... Alternate Phonc_ ....................................... _...._......._........................ E-mail Address ............ _........ _... _ ......................................_....... Please pr w aed',u or ohane number changes aoo,'e Lsi-g blur 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 of paper clip your check to Lhe paymerlL shp. • 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 1 G-digit dCCOunt number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity treva and print copies of past statements • Pay your bill online Sign up at: wvvw.capitwone.com Pago 2 or 2 140455.7470 www.capitalone.com Jul. 22 -Aug. 21.2010 31 Drys n rsiBng Cycle Plalhtin htastlrCattl :rr,Xy,.rr,e_XXXX•saal Cro<Ltdjydt S I G;r7CCED Availaw Credit SC.C0 NEW BALANCE MINMUNI PAYMENT DUE DATE cash Cmrlit ilrnk: SI r.QCCtr7 $19,846.16 52•447.00 Sep 18: 2010 Asaihblo Crodk r« rash: scro Previous Balance Payments and C"ts Fees and Interest Charged Transact*ns New Balance $1£.613.rJCr - Sox •F 5717.18 •F SUM - 5'19,846.16 TRANSACTIONS CONTINUED '. oL :-.ere assessed a pas: d Lc ix k came a --au n hiirwn pr. nee :'.as not reu it-d tr iM duo iLre. -o r o LI its '& ,in *o fvuro. 7,z reo nne rd Jhr = a lo*.,; at W97 lk. ir:••, ds,•. fnr•?r..rnhrirmn p,,-mit:n Mach raplA Gro. II you cannot make your minimum payment, but can pay at least S415,00, call us at 1.800.955.6600. Your account will not fall further behind, even though it will remain past due. JOSEPH P RUANE 50:ryis R'S TIME TO TAKE CONTROL OF YOUR DEBT. WE'RE HERE TO HELP. Even if gyve report your account as charged off, you'll still be responsilhle for paying your debt. So why not cant 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 fig check by phone service or speak to an associate by calling 1.900.95S.6600. Iti cce SL e vot. Ga 1 C' reTf Ce a°3JAI dJe or you' s:atemen: 3r tie cie dare tc el ° na a :I a $( c• ti T^y c-ar* o-. 4d OU96rpha.? OrA. (Lai-i;ai One is a (rdrrrrJTr r,,i?;rrrre ? •rcrir niao-k. Az.. i;lu., rrw.-rd. Page 7 of 2 14M455.7074 www.capitalone.com Aug. 22 -Sep- 21, 2010 31 Daes in BiBng Cyde NNNIMU M PAYMENT WAP.NING: P •.ni. nal,e orh [Ix nHrmn prr*r: ear- {eia:, pi. %A {w nom it Ir.ews. rd I. -.-A aka ;oL bnger b j j• o" •asLr tahrce. For wri{ le: aa?.a Plathnnn MasterCaatl )yXy'y y-X.uX-N8I Payment AmolR.Each Period MNo ApP=IIIW.eTkllbPayoff CStWMed NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Media Statement Balance Total Con 520,061.50 52:862.00 Oct 18; 2010 Mrirmn Pay wr: 33 -tun F;oL-etKIII B¦irlornaloralarulcwdi.coLn:elirgw;kei call I -898-3264)T. LATE PAYMENT WARNING: r Ri do ro: recrm }»u nFinun pa.Tier. b; au due da•.e. Crn11t1lImN: c.l('.OCCPO Cad•s?rodit limit: Sir. 000.AC b°urW JIWo{ara Me`teo sp:o535.00anc;ow APRsna:beincreaser. 61 -.01-e ' ' PeralyAPP.o 23.1 r%. A+aik361e credit ;C%D ? ,oilall, Credit for Cash: SCLO Previous Balance Payments and Gredts Fees and Interest Charged Transactions New Balance S1g.&16.16 - 50.00 + S)15..34 + 50.00 - 520,06'1.',0 --i •.rr:: •-_ - •---'r1'I •il r- :il r•P:•; j; : :r I -i .I i `ill •;...r r ,I.-I,il,: ; ; ; -1'• ..: I' .I .• : :fl Ii.:..- Help Is Available. ' Just pick up the phone. "TRANsAchoms PAITAENTS, CREDITS 3ADJUSTPAENTS FOR JOSEPH P RUANE#3981 tall 1-800-955-6600 and 3 sjwc ;. IV tr'alrr•fl 3CP'H oO be TapDy to heap yo., 1eck yox ba are art. -nu ke peyren:s. FEES I ILS[P PAS"[L[rr[ 5310 -n:o1 re,,. -1.i•. r.•rhJ `,:ram INTEREST CHARGE CALCULATION -o:alfres"Fc'rcar k^Si0 Your Annual P*mentaga Ras* yAPR} is tie annual ird rest rat, on'vour account. INTEREST CHARGED I IRIS" CI-Ar:rX:FLf:CI AS[S SI °C 3•: Annualllercutage BalanreSubjecito Type of Balanm Interest Charge . Raw iAPR3 honest Rate n»illn:+ro•.:-Id•.'rear ilAWAr• PuiFases 11.D 11 1MI.,1X. I^C.". rx.P 21.IC: r• SC.CO SOX Transaction, mnI inur on page 2 Due Date Ott 18, 2010 PI r:ASr RFTURN PC)RTION nri OYii 4VITI I P,1'ft.4rw OR I OG ON TO V.I,' YY.Ca1rITYN.I ONr.c F.4 TO hAAKr YOUR rA.Y'h4rNT ONI INF. Account Number: 5178.0572.7922-8881 New Balance hlinimu in r•.ymraii An aunt Enclosed $20,061.50 1 5178057279228881 21 0000000405002862004 JO:EPH P RUANE 133 WEST6ATE DR MOUNT HOLLY SPRINGS, PA 17065-2010 IIII'IIIIIIdlhlnlrlrlblhl,llulpur,rrl•lldlulhlllnll Take advantage. Take control. Manage your account online at www.capitalone.corn • Make na'rrrm:s AQ • -4v Fs a, rn.)r. mr rrrawn 'Aarage ycu• ZrCOLnt n pr oacy r3o6cs Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, P1C 28272-1083 Illllllrlllrilllll'lI'IIIIIII?'IIIIII??II?l?lllrll?'IIIIIIII'II11 Please make checks payableto Capital One Bank (USA), N.A. and mail withthis coupon in the enclosed envelope. .vlraea in your wallet? Iw. ran I avoid paring intuert rharrrar7 rar* r-I, yo, pay-psi.., -I. -, a.si,froo' I., ft. It y«, Wit Fa e a Helier, oimre peeled o' : a A•Tf' :pith no rtlred rlw9gr on.I-m 1, rui•ha r, : r bmarm -an:der., I. p r: id rim f- and ar o:hor rl,mncs,:, if you role Is- p r:rg y«n arm wn in 'ur vd h ro in:.m.: drarger apphrd md'.ou do 1101 rar:': «r neck. bill in fw, rioraied in-sms: ct urr•. vibe -ovk 1tm ism oraro period or raaF ad-ar", :rerwtl tram'ert, or on a ry ore:c :rar<rton,11wr :hem is m, lmpaR brimen, Inn a pnious bill, lbw's the In WINI Chargs aPld kph Iron: chi rnces accrue fro n :lie t, da:t of :ho -.m rs+c:ion. _, date tte tiarsxtion t processed or 3, firs: dondar day of lw bi•g pmlird. Irwod charges acaLe on won: Lr raid anal: until R k similar flit neans'you rue' oi:'t m:em-. etarges *sor d'rou r'ri :he an:NY •%*r Colarce, ax nah:Iw but rid rot do m for :Ix rV IVID16S nortt. unraid riernt chances aw added b Ce proper seorwer. of your Account. I Ims tr.,vr nso :'e dw plea so rb: asdu krtm-. charges at a ri 7rru. M y»u a:ra:. a Minimum Inland Osana? Yew A ninin,.n Ik-rP13- it Ltb;C of wOSnc WN be .pen:eel br• 16pWso porbA•:our a0m,.nhu,bjer:b.r, rtv.at rlwrge. slew Aid you, ea IeWatr the I,YanR ehnrna, -Iron air sReri e,lndato,r.:M .re L:ed b Aerrriiwvour :o:ali,rnh-.: riwrgo, I,-egr:•rou'rai•aaLmre•rarxh se0rwn:, h:de :he beghninq b,lmre .nri add in re,; it-tics. a W :ho r.riodr rtemat rh.Me on :he p-bi.c day's b,Lare.:I subtracts my rvf port and -chafer due wonerr. as of :ha; clof•, -re ismult I•. Av dolk- bass, for .ace segment. I-er. Nyou paa y mar prnbw •. rwrtr •s babn,- rIsm rot F'r*Lr balarm ::•r.:ero or a cpe& anourt,,, huxtbr•. -.dmrh pogo yore p, rcome or arerid pLrtewog-rit, mr n arkled to Its, da;•bdirms, Alo, ;,nra.Y.1M1•. t h e . me •ad,j.r; p a owre rrvi«1 arc - add dto it daar• be+rre•,,.,-e'nd «x A-orage N4- k,lmoe- I r add too Ml- Aala rtim a ogelsormd: , dR•iM too %m by Ito r,brr o' day, It it btrg s•-, -•r•: Hats, }wr-o:d 9--: rh ,0,•- I, rn.l?i }roar rxrage lily balmre by iw daily Mrio $, rom, a rd ; I muti f• the flit by the m,rtber a1 dir.. Is tee blaring pn1oA, mTr- n,A to ,owrd rg or a rinmu.n kreme rtarg.• its ealnd rlen Halt . art from Ito hitor•s, rtaroe ar'arae; m•rrrd. Plow can my wadable, Annual PorconLago RN W jiM diango? "oho APR mm, Increase or deem m based or one of warn standard W lets wporxd r Via 543: ih m icsD1sL'. -o frd rhkh 11160 k Lsed fDf'MUr A=Lrt look f or a code d: L. C. S. 0 or r, on Jim, fray o-'6& statement land: to lieAPRda. -her chock lx table bola,': ea! rImlo W rnnl Parokitape Rate (APR) ndet which your den we lased an pwiers your Annual pratioup item will chonpo P a Leon, Pre,o • neyn pwrleratr dksloead b yon The Are: dsyo- Nn L Gernert, LATOR • narlk prador I, dissbed b you ei" periods N,er C common CO • sragia Prrrbuaydlaond m roe wif in anuepyApol 3 AseAard lrm,o•-4. pmabrslydelaod!.yor .krmsdaclobcr, G Yadds Pule • nmlk Periomil r disobsed a you The as: doycO each r clop td1- LIODR • r,srpk pnrkrdydsdam d:o yore monthly Will., G T,-I LIDOR • -4. per huW diudonod b yon porbd. n thorn Auddillonal far...oeiabd •rith my mmtnl? Y •. i.rder rMhin rimantavr.. may be-iod a I.re or P,eii-d Prlnnnt for. You rimy also be rhaitied -Hirt: 'oes N term-M h: lam V,, rr.eno the ititt:e net ar-Our.. trb6ou: rrior roar and ,•: tro Lt ..m-ing ol.r riolr. to mesa a akhNar fee laser. f ire ran i ('iDi IAV A,fmUle: Yow earl rlow'iow a9n0Lrt lei rn?•0 er :rdiy «r Ra:orwr Rektbr•. nepAsim-, At tae trt, -, ::•i rwwAdo addterxlde air. h,rluri g rrri rwrt u:ion, a you v.e 1-rou neAi: rarA oder0.< p«: b r«r aao,.rt.rtersou a4 v. ;o rhos I!. ,;r rar keep }our noun: oper,-o.w*W prfro any appli able mr,loi4 r fro. call to rime }er.r noun: prb r;e:Iw erd of tae rice I. Wileh t Is arhed,drd to be bWd, ,-,flat haprions if m{e?LliiYfFa.OLdgj?''!h may dose orsusrerd yap aco Lrt aid ynw• rpk :o ob:tr aed: a: err' sure old for arty a-mr, nhan r 1-916 aY no: in deltut.. Accoun: sLsp+iisbr can be rwn avrt or,.wwvrati V •rDL r xcoun,.t cioad a•susPerded 1-DUour:It Drop udig orunedt:cad andaccount_,cancelall a16fonrxrwriertc..`, dtS.rffi at Clef: Ofd{ rock amass dw[kf. and ar pa'i>r a1101111:a'rDL G\! Us. r.Fll i' ltlt :!'elk charged after -.he accodr.,ws closed a•susrerded. Plow do 1 Yak a Paynwnk? Prtim ri,.y«r raid to La :rw be rr..diiod 101YIx• arro+uit a•. o' the 6uaros< Mr ur parole, it. nor 1a10 - 1a you and Ito bottom rorion o' er'r. ati:enen:and rcrerk r -.h- -loses! remit a -4oro, and ]'r-.o i.r ra1-rwlr. F. rerekrd in ore o' o,., r?orrshio-este, by Stan brat :Inc. Ill-, atea Al ba<t i^7 M,•kes•. A.ry, for rw9 delrry. reailM rwtfrarr. rrrk•M by m at ary otf- bnton or r any otter •orr, rare no: be nMt.M r. of the darer repair :hen. Do you Process Paper Checks as an flecuonk Funrk Tranderd n'lien 1916 rraido a dwd is PiyMblit. WL au:hnrtee us and ouragrns either :o use N1'oma%n'ron your dud :o mate a one-9ne FWMrt fund alyderfron •'.mwdepwu: aceoun: a'tD rroeeu :hepjtrwii: as a ditck7amac:lom Y:ten:n Ytrbma:anfoDri, u'chckloruleanekc:ronkimd .ravtar. fLrds may be,rltdwar from 1DLr dtposl accour. m soon as lx sane dw in rtctw }Dla• Mner't aid 1D16xiiw rearkv ,9Lr chock backfron )V U 11nandatNriuion. .b a tullorttatb r is rot tinted by :he date on .he ch*d-',Ve rmc resLbnl: trd Oedso rtalk' sole: tte retL trod raymili -S. %-,%,I P I file for, $gpkmactyT V /ou me err.HeA b bailin.rtre pro:ertaL .his rem r.r ka:ion lafw nbmatko on y: is r•. no; a r mtem „ to naFr;, rile, or hrm,er a Aeb; or plat,. Co rot cord Ln rw,:rwmt itliou: arratr0 r:tr your ba rkrup:r; atbrom intro G,nknq,>yCOLrt.Ifyou or,-a:xrr,riwall Ike to reset our birLrupi rla iris c.n;rof di-1.,.. plea, rose,. Canton r- - Po Do. $31 V - P..&*mond. *::s =85-Sid: as 1 11,10, null n} aV YRIARY in- Lo: App4 :o crab IOL:in-, A-1.1-31 vAim to M If You Think You Find Amicusko on Your staLorront Y you ttrl liew is an onior or your LTa:eMll:.'mYa :0 us n Carlialoly P.o. Colt :DDOS Sat Uke L- Oat *o:'W In 1DL F Ie::era ON rk tte'otoirlig IIVOma•.Wn: •.dcouir rformation: You name and account nrbu. bola r anOLrr-te dollar ono Lrt of lie LusM*.td error. Dewy Jot o• Problon:Myou dW1k dttn Is an error on your b; descrWe',dut you betvel, t ,\roro ac!•Afri1916 bolaY. t+mid". YO L mud contact Ls iethn go days titer :Ix error apfvamd on yoursteenenc Yo L nod Ib:iti us of in, tutees:ulornors in i:Tdno. YoL nay call Ls or roW us eka onical'. but l':916 do ire are rot requtled to rtes-jw:e err roinrial errors and you may tar to ray list amour: r qumbr. wlrily \* intr. es:iOa:eu+elxr or no. i»w has been ar enor.:M fo Walig art tar. carrot Ti to W is :M a ioLrt Inquwicts. or roPOlt 1-916 as delnquert on laat am Lrt. -hr dmge F gladbr nay remain on 1OLr r:adnert +rd :\? Hai COn:N1U! :o cage 1-w in:erer. a1 Mr. +nouh_ out. N ::r de:emre ivt,\e rtadt a nt:ake. 1916 u'?no:lv,e :o rri lw arnohm: t quettbr or arm nxlYa: a•ottm lees wired :o tut aroL rt. VIll eyou do rot hart :o rr••' lw anoun. r quedbr un-A i:•t rend'r9 L a FOUN 4106t the ouxone of our rwrigatbr, you are oesralsbk'a•tte reminder of •r9ur balance. 1•.eur apptiamt Iar Ad"Lrtaturst yourclecitlint. Your raghe, N Yew pits, Dlwalkfbd IMLII Your Cradl Card Purdue.. N yZL1 m- dLiAMd .•: tF tt oooN. a•rn;rot autyeu Iwnr rsxrluaM eS;h ,ol,r rreAi: rwd. and 1-ou oae trrd in good lath :o ronorl :he rroblr, nits Ito norrhen:. you oaf' hap :ho riolr.,so: b r ri tte -mbiliq amount duo a+the psrrhar.-o-:M: right all o• too'oWvhsg nut.:be -1. -Iw rlwham Haas lute Men naAe 'r arc herw •si;e or rihr 100 nisi of pour ruwrt rmEr0 add-and too p rrhre rem nt., have been nor- hi r w50. rNox•Motter o- tMw me nerr:sari M you' p.iehasov;a fiord on ar adxvtbnnr.:w rrilM :e -feu. or i• yr mar :Ix ne nranytha•. •<i yea iw gooAs or srr.•ka•s.l :.'mew rant ha:e usM y«r elect raH for r :It ry.r:ome. Pwrcrasr. naAe ,;fir, rah arkmra, ihxh an A-R' o n it a eherk tor. amrses ' jour rmlt rmH arrorn: do rot quW-y. %_`ou m- not }r; hem 4,Fi piid'or too rrmAsat.. 14 aN o} :M erbdn abr;e ere net end }eu re ^.iN sN:uttfrd ::•I:h dw prcrbrr. rnrtr: u•. in :eri:pio at. Capita I Wt P.0. Car -MOS Sal ULe Cl:r. L- Ot1b0:O5 V Tile ,;r n:eatfa;e. it •.r,o nda. appL• to :he Ahpu:od r...rt a. d'h--d ob0.r• Afev nr'ni•1 oar i -r..:i0a-rorw ne :vi :et•i ou our derhion. At dw, po art, F nr idW: tor. w;r 1 r arwh.rt ad 1-eL do no: ray -• rimy repo:. y«r m delinquent capita drat s+ipr- rfomwiia, prkw: pro,ortbr-•ne oar rmbsco r.,. . arm:a bre.,on eapha IeSt 1. a fedemlli rcpt,-rod wrckr nark of rm limIctrt rranrlal eorpo rrton,:a rti rt. reeved- ;nlnrar,alnrt l-.aa Os Ol 10 Changing Address? Address _ .......................... ....... ......... ............................. _..._.._... ........... ... ....................... Home Phone 19 Alternate Phone ...................... .......... ............. ..... ......... _................. _.._. E-mail di - ............................. ................ ............... _..._............... I Please pr it acd•ess or shone numbe'changes a3me Lsi•g blu,,^or bldc< ink. 0 Not quite ready to make payments online? No problem, Follow these simple steps to make sure we process your payments smoothly: • Dont staple or paper clip your check Lo Lhe payment, sup. • Be sure to use the payment envelope that came with your statement. Using d different envelope could delay prucess'ing. • Nease don't include any additional correspondence. • Last but not ledst, be sure to write your 1 "iyit 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.capitWom.com Page 2 of 2 1•E01,435-7070 www.capitalone.com Aug. 22 - Sep. 21, 2010 31 Day, in Wang Cy'do Cm?ktlliniC 514.ofCLo Platinum MasterCmtl y,•,ry11;r,;rKe-xxxx-0221 Available Cmd'[: scro NEW BALANCE MINMUM PAYMENT DUE DATE lash Cmcitthmit: Slr.occto $20,081.50 S2:862.00 Oct 18, 2010 Available Crodil [or rack sc.co Previous Balance Paprtrents and Credos Rues and Interest Charged Transactions New Balance $1C.ts16.16 - 50.00 } 5715..31 } So.oO 570,Ou 1.',0 TRANSACTIONS CONTINUED wr.xrca..csscdapa,dL.ftb:taux•-vuriiirwnpa.r>vR:.a tatWertdb- :Ikdw loge. -o a-o u lk 'eo into 0.vre.:x ran nerd :Iw::ou a lo:c at ka t' In •.iw:••, dr,•. hr U nrAnnn prrxad :n wadi ra*J CKP. 51.10 11 Your account works differently now that you're 7 payments late. Please see the next page for important eccourL infortration. Page 1 of 2 1.840450-9019 www.capitailone.com/solutlOns Sep. 22 -Oct. 21, 2010 30 Dais in Biing [Wale IMPORThnrAccouNruPoArES PIMInumMasterCanl 51?1305?2.T971.If''1 Yourhlltahrcei:eu.An•rnrrr-•aouriAe-.Rrt,kce.ovlularcerdI*I;K:d' NEW BALANCE PAYMENT DUE DUE DATE ? • +`w. Iexnur. mror»?arelxl'.nc`aemevrir-oa:eParxeluner. almenerd. 520,272.67 520,272.67 PAST DUE ,% aitaW CrNlt: Sc co Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S20.061.56 - SOHO } 91117 + 50.00 570,)7).e7 TRANSACTIONS PAYMENTS. CREDITS 6 ADJUSTMENTS FOR JOSEPH P RUANE *SU1 FEES I 15CC PAS-rL[f[E S_SbYJ -aal rc,•s -Ids Perim s3LO INTEREST CHARGED Ik-rprr> ?hAE!'d:fr.M :`Srt SIarl. l' -8881 1 cr,•, 11; Period 5136.1' -04llrrrs:-Ids'ear S1.7`.-.I Help is Available. Just pick up the phone. Call 1.800.258-9319 and a special y Ira ned agent ++i I be Tapp; to he In >,ru e*k yci.r halarare and r a<e paimenrs. INTEREST CHARGE CALCULATION ','our Annual Percentage Raw yAPR) is tic annual interest rate on ,•our aomunt AnnualPorcentaga BalamSubjectio Typo of Balance Rafe (APR5 barest Raw Interest Charge Ptrcl'ases I 1 _0+ D ' ID,15` 75 ;136.1' -a•.h )I.Ir`.t r. SCJ'O SOXX PI rASr RrTU RN PORTION nri rwt wrTI I PAY'MrNT 0R 10(10 N T06SANAN.CAPITiV 0NF. C06450I UTIOW To PAA.Kr YOUR PAYAdfNT 0NI INr. 1 5178057279228881 21 0000000405000000001 Account Number: 5178.0 2.7922.8881 Due Date New Balance Amount Enclosed Past Due $20,272.67 JOSEPH P RUANE 133 WEST 'ATE DR MOUNT HOLLY SPRINGS, PA 17065-2030 111111111111[--11111111111111111-1111-11-11111 itI'I1111111111.11 Manage your account online. V's". www.capitak)m.com/solullons to rllrlaye yot.• arrc4Jnt on ire. 1-in I. -I:r lritlOn at }'D.Jr lycrtlpS 7117 :•Jrthout picking up the :,hone. I Capital one Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111-111--11111,11,1111111.,111111--IF1-111.11--III11111-1111 Please wk,; checks payable to Capital One Bank (USA1, N.A. and read with this coupon in the enclosed envelope. How ton I reoid Paying Interosl Charge? 6d non:h TGL pay-rol.r "keir Clara" in fLt •rou'afl Fart a nr!-aas grace perlod o' :S dra wth lw rMed dupe a1 tlsxr. i I puthau; L balaree tnrde; I spread purchases awl ar oJwr d1ar,Jes, l l*u err been Prytg your acaLrt kl'dl td-h ro whir s: charges *"W and Too do no: pry 1w nod bill Ill fLt Mwated tarot: daroes'aibe aasad -Iltn is rot mace Patorl or cast akarees. special trau'e¢ or on art' new :ra rsic lon ldier :Ilene ism ulpid balaree iron a plreiuut bit How' 6 she Inlorrss Chan- appl led? inert:: rlargr, artist fm n im 11 dr.• of Je, :i dr,• ter Tar xio, k prorrsM er :i fir. arl•ndar day of d,• big r•riod. I rare:! rhagr. aarn.o a, r:•ry r.r raid armor. snail i h raid ins h.L-tt. nona:eu nay o::•• n:omr.. r:earg••. --.-or N Tai r ; the -mire "I.•:r C.larW one rson:h Mr did rat de •o for Jm pro: bv. none. Unpaid etem:t rhajv. am added to ite proper sop- of you Amon: I Ior;m. er min:•e Jr rbh :o roc mxN•. hr.•rt.:lh,ng•s a: arc no_ Do you aa?a a Ltkdmrm nrr.a CJame: Yes, A ninirn.n 1L-rw.- a sAR1r d an?,n 1•,11 M .r.:.:ud br •ad bang pmbA you texal.rt'n :objet: b .as Ftnnt rhmge, How did pu ca kslak rho IrlorMl chirgo? -Irse as* sweril cakula:rom Ju. are Lsed to defmillayou .o:alarAm-. charge. t. -o ga: •raur DaW Calaxe:rorexh segrxn-.. t r :ale the WoNking balalxe and add Is row 7alsactioru and :he penodk rattiest chase on :Ile nea'Da dead! balawe_.+ Subrtd my p;'nerk and crtd:sfa Jvd tlg11e11: b o} :hr. lac. -M real: is :M daily babnu for tad wontnt. Iaxwer. /you pad your prretoLs none's babna ar ful ror r' sou bilar(*lies too or a clod: arwun:L Ilwrtrmumbrs xilidl post -A lour M cFme or spedai pLlctax seorwY.s ae no: added .o tM dab bakraL Ato. :nrsae•Jons:hr. are DA*c-. ID a orate Pafiod ale nw added n ix daR• babnas.:. -o'rnd tar Afifit" Da; Calaru: to add tee dak bakrcer moeJltrand 31 dkide tee sLn bite minbtf o' dart t tilt b!g 4'ck.:.DC.wa Tartoken n:uec: rNge: 1 i nLt1+l'"coot a'ariew daily balance by Ju daily periodic raf a rd _r ral:ipk' J1e real br -he number of drs n tee bilBno period ko-C: aLa :o MLrdto ora rwltinLn in-.erer. ctargt.:his olcuirion my ear: fron tee n:enr. duct acaull uasvd. h tho "PaymrA [Lao" n PayeN h,eunl? I.e_,U :aced aneur.•. ao otrd a, ter d,te e'tee :ta:•no,:. I•r.:••:err, Amine intr, loco otarg•t ad oteor rha pet nigh: ha riye liver day to day,,. pi-kilsd in Tour-torom aommriert Aso arni.rt dr or :M day Teo jy rw be lager. lo, -&. N you M- the arwr.n rand it, 0L :&--ion-, rot, anoint ny+::. M hex a barer- after lone rax,T,mt it mr•F•M- Also row that Js• .,man: To.. - n.T; dp'or if .a ortvd k•b a•rpaar. paIT,rn.aargervert_Pbax era lit n.nMror:lr fmrtof the ramnertforar nun prima ano11er I lo'w' ran my Ya liable An Initial rorconsal Paw Oopn) cheer jo 1'ov APR - k nonare or dormro bird or or of sem.gaedad l dt- ropor.•d t The f ie '---:,WoW. -o fird :vhleh hldrar h L:•d b s :rose A-ri, look for a rend IP, I , r, .nor r r on Jr fear, o' *F. t1a:ennr, cleat to Jw Artr.L -her rh•ek Jr labl, briwl- ere rmrtf yew Annual Parasitologist 71a CAPM ndoavhkh your row. area mwl on 7~ your Annual Pit, ramllyp Rafe ylll ellMye P aanarY Paw • rusgin pwfiom Y iiC1aN la woo ttre Ira' iayo' MM L QaodnY LOOK • raryb paady Iff-hood to you hirry poriok Raw c 0-d.#/CD- rmrgia pm.•iwrdydlclaald :o y- red I. J--ry.Apol. s Deplored Prkx •mull pwdxWydmlaud:o you M mad 0olober. D t -d* Prsne • nwlb pa iwalf discbsed b Teu m Ire aeye' each r aerrtdY LODR• Renck PlaybLOydiadoaedb YOU daftly Miom G Trmary LOM • nagis preobudydimiaod :9 Sa pcrbd, ,ao Lhwe:ddrIll, nnl Fees arnorialed wish my acroun0 Ya. 1, rder mrtd, rbrur.:.nrr.. av be at-od a lace or P-sand Prneir. ree. Vou ra•; aho be acs-A o Sntfrc•. i- r'rmi•d by I.I.I. Yol. 1:•iata b• m,pdr•d to rry al o' o Lr anwl roll•rien rar•nxs. atmrrrril- and tar: eed•. tall- *o Ia oboe! rot e1or.w. :o roNNCt :Ir a armm-.% W- r:Mrbnbera:a-f-r -'I- pdorrotiho a rd ..•aror.tvaiiryou•rbtt:oak % inar'm later. what happm. N nrA ccont Is susaended7 we naodow -tuipord l-r -,rt and tam rbtt:o obaIr n•dt at a r: tine and for arc mrar, own r'aol. are no: ndefal:. A-LUIt tt,4 rob r cal be prieanert or torly-a i. P io-, aria-: k dowd or :i nperded Too rotor. IIclot uing•roLr -di: trod a rd arcan: %i W1114 a1 m.bnil p;error..:r drsa.• drr•Ai: cord, and arxr,t rMrk:, road -r pay ll .-nt, ao L one Ire, rem i' Ory --re rha,ged arm, :he erceur err 119•rd or:nNprrdrd, How do I Mllko Promiltl? Primer:! TDL haila'eAl be cndbd b TOLr accour. as of :ht business da• ere IeCFiver :hen, as long ac 11 Te6 serd -Jlk Woo n radon of :ht s-.a-.erlen-. a1d 'your child at eta armstd lerti:ara armiloN. awl _i Tou'rwrisort Is received'dl i:a r'!al end's plecessng con'm by 5pn bsal :Ire. Pkaii alwY r. bast reran r:I bksklt3 dins lot, naI(1*11" t'.magad PatrrHl:s rtc*W byCNA Cara at anyottar Iocatbr or in also'o.her form roar; rot be clucked as of Jw dust, :hry ore rented. Do yo++ hares PaperChocka at an Ilec Irenrr Funds Tra.sdor? l:t,•n TeL provide a dm i..r. psinen _ •roi. m+:hotre w aril eu•ag,ar, •I:her:o ux in'araien hen you e11M to nakr a an-tine •Imdmrbftnd:uref•rfmn •reurdepenh nylon: orb prer•ca,he pnr,rnt at a rh•ek wa ,ar:ion'::ton :r L: • irforna:ion fmn yo-cto k a naL• an Mr:rwrir'ud .rarrbr. f+.rd: dare be lrtedRT1T fro•1 ovia d•po•.t rre11n: aft :9911 Art -.he err d;• :v rmtr Tw+r r. nert ad Tor..lano: merke To Lr rh•rk bark fren ;e r.rfinandall-iv:bn. Lr auhoaratbr it rot lin'rrd ke the date on -.he I-k_Wo rarc r-brih and •lc n. mr i ll: 1o1•r: tM mer.rred prrrrnr_ what N I file far rankruMY? if teu are nri J•d to ba*n.plr.;• pfot-lon, :his rorxlLrirriol I-. for Worno:ion is it rat ar a::orlpi to mFr,•.n•rr. a mpwr a deb: or darn, no rot sord on rarnerr.:aF.ho11r.:prakbg VdO your barLnlr:ry atbmry curoo al nknip:rr Lb Ln, if aeu emo j i-16nt abor. leis ooroun of batn.ptrr• r-odirg, Pleaso ha lour Mbrre: ro,-.ara no. P Tor. or ro11r a::O a-Yanld l• to 10-07 or. r ba,k nrr.; ,lair, wri-drrr k-. pbaerorrxrCapid Pau•fi: her Yana`• Whrmrd,':A:1t arts 117 OLLW,, AKWS SUM 161AR1• dWes Lot APPR :o SrulR:nee ACCewl:u I-Amt to On IfY You thin it You ltindh MbrWco On Your Stalonrnk l•.ou 0irL them I.. an •noror tour :a:•nrn-- rai:r :o it. a:• Capialo.. PAD. Car :0285 Sat Lax ci::. L- IAfUDWOS In1m. r 1•:x1, gi- tot tte'olle-.dnp irremaiom stair. Irbmla:nor Yoi.r iwx and amount rr.nb•. DONer r,eart•-to dollar anoirt Of the so•.prrrd orror. • ar miriol o' PIONI -N you think :Mm it an rrmr on lour b; Arrrilx What you bob;. it rmrg and WlryT9L M i- It It. a rritake. rotern an-t Lt ithin 50 die, 0-:Ir error appraM On itcin sa:rrrlr_ 'r. rant will; w. of art' po-tin . in ::viing. YOL nay 1,111 v. a• rote-11n CL•raaiva R, bat F }oL do tv m rot n,pdn•d to kl:•r.:iome any roterrial atom and }ou nay ra•• b pay :W anour. t ,I-1b r. 'P.tyk llr ir- dij- r fi tees a• rot :hero la: Met an error, ter'o1o:tng am lt'e ratio! :r :o a N::he.rmLrt k,,prN-.:ion or mpo::oL era d•In,pmrt on :hat rm Lrt. -her etrg• i g11r:tbr my rn•aN on }er,r satermrt and ur nay ron:hue x rhargr }ou on Mr. ananr- Ew. N tee dot-Ire iutrx rad• a nk,ake. ToL 11•ane: hex to M :h, ariation: r qw lbr or arc ii-t or otter'-s mixed to that ar-rt. ittb Too do 1m: hex to nTr' :he. Lrt n quo -1111nil l- Nerd you a no-j- abolor. the O&I-le of 91111• Irwidoatbr, you a• mspol:lrb'o•tee i,enei der of Tarr holanre. Your ajhl. N You Am D'saxYfied yYth Your Credit Card NFChrs. a LVL. - disatkfrd net Jr goad, o• :•nlrr. Jltt•you haze purrla:•111:fah •reLI r-k card, and-,vu Nw- trbd in good -AP to roared :M probl rn W* tee nerrhn:, you nail: haw the riot.. not b pay the r•nairing anon. dm on :hr rurrhax, -o ux :lace. dgls:, aft o' ter hab::ilq rev.: be:nr1, -ho ryrlhax rev.:lent Aron erased k'yourherb kakiorr;ttt laxnLYofyorraatrt rlairg ackit-i, and the p-hr.• prkr i- halo boon ram Ja r ern, lVO:e•rarthm o' thr+e wraaarr• N Teu• r.rctasram bawd of ar ad-0-r- nai1M ro car, or P nn err :Ir -npmreta: •aa -you J,r goodN or sm: isY, i :, YOL rwra hrrr used yar nNHt tad for :Ir pL rceao,n n:eaNr•. rand rdJl cash nd;arr. "roil ail:: N o n•;!e a erotic tea: nrmxs • u rmAl .,it arrow: de rot ,p.ll':; reu nL:: wt haw luh• puid'ortte purls: •, r as of :Ir arbdi .rba• are n•: and loo are •.:al A'r:a:'r.Rd ::•i:h it ryarlar, -rar.11r. in :rrhk+p ar raph.l err P,n,nmr -rear. V t like ri:y, I - a=1 yLr+; an 1Sid1• i- kT-.tbar. Jr -.arm nda. apr4• to Jse dhpu:M r,or. n a•. dl-F-d abo,•., AM xw Rlei err nw.iga•.ion, iw wll wlyor or derhien, At that poll'; Flu chink a ii. -'r .train ad W L do no: rLL :e• nay mper. • I a dolin,prn; tapiu lane supports t'forrwoll prkacv pilvedbr:ae oLrileb5:e r UA1Yiapi:abre.con tapi:alaM t a fWerall•• not:aril sen'be narkof CarCil ale rTancial rarrota'ioh,.l raets rearmed. -'osoiar l:zlCne -r-_ 10 and l To chant'e or uptial?;our address pl?ase ca ll 1-800.258-9319 orvisil www.capitalone. comisQlutions 2:-)72 a_ ) 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. Cal??- }our Baia-ce s sail e.e and we'll contact you soo- (e'rect y o, t-o-gh a cellec:io- agency) to discuss options fw °esoly ^a your debt You are responsible for paying the full balance on your account as we as a-y associated collec:io-s expenses, attorney fees a-c tour. costs ess the av: toes not allo-& us to co ec tese amounts, as p-a4idec n your customer aareenent. If we •cominue to send qou sta:erne^ts, yo.'II now •eceive them quarterly ins:ead of monthly 'tile nay cc-f ^.e to report the status of yo., ac•xun::o :he credit W-eaus, -nl2s5 prch•bited oy avi YVe may also report when you' acceun: is paid off Help is available. VVP urf,Pr5:3^d ih:i: r. :an bP rhal Prcrrk3 :o mmayr yrx,r `r^arks. Here ar- thrP(' moortan: acts about your acccun: that nay help make : easier -or you to repay your ba ante. 1) No more compound interest: This •neans *.-a. `ulure '-tere51 <hurcje5 wil • ever a(c rue interest- ma <nq it easier to pay dova- yo ceb:'aster_ 2) Highest interest balances are paid first: "our payrne-ts will go toy yard the wlance ,with the 9hrst merest ra:e first-aurionatrcally saving you rro^ey whemver you mace a payrnen:. 3) Regular payments will resolve your debt: 5 rice yo..r highest interes: aalances get p.c first a-c yo..r 'merest doesn't corraand, making rec_lar p=,yme-:s will get yo_r bal:-ce oaid Call 1.800.258.9319 to discuss your options. And -emenber, yo., can chec< yo.r bo, ante and rnake Jayn>rnts un ine any ;irrx: ul M^:r:..tapi;alone.curr;+so utbn>. W Help is available. Just pick up the phone. Call 1-800.258.9319 and a specially tic ^ed agent v.-ill be happy to ^elp• you c^ec< your balance, rrake a oatrnent and ans-O er any q„ es:icns you may have. ,310:0 ii.r,'??.r.://•ngiaewdi ejwiema:k..iJrc,9n n%rnw . 1 C'S'C:,:. A 21 C'AUl_-"AL C•.J- C'_C:,L' FRCS-KILE l2?'CH'1' 0912212:10 - :O.i21!2:)1C LACY 3'O4 6- ACCT-IV.- 10'O1C294252 C'AkLiV !,_ i80572 i9228251 S'1*MT-'-Yi'-: -NOL15F H-MAR::S: Y ''ITC: ML: FC-:,U: COO SAC-;CM: i':tYV-EALA.ICE: $2L?03i1. h0 ??h1'1'SSC':t L'li:'1'S 50 .CJ 1.J '-k CHH•CS -:1:.1 '-kANSAL''1'1,^,NS: 50.00 NEW-3AJANC- $22 i2 K:NIPUK. L:'YM*I' LA'_Y Yrl:. j2=-OC L"Jls-"A"_r '1:1'1212=10 19C 00 'O.C'O CASH-LIKLT : 1`00" CASF-AVAIL 0. 'O H L'AY-'1'O'-KTFS: 39'! HL'AY-TO'-COS'T 54:. 4!1 O.'; i 26MA-14THNAY: i2G.26 36KA-'1'C'1'C'.^, S'L': $26. 14b.42 lt1'1LXES'_-C'=C: $_96.1 1N'1'htYS'--'i$--,739.:< 1- h--AM*T-C'1'li: $32:.-0 H:CH-LA'_EPLIE: f 2h-:10 H:OH-UNLTY-A'?:t: 23.1_4 OVERALL-AUX! 0.000 CLOSE - L`A'PS CHHCC VF- LiA'Tk.! OOH: N MISS-AU2K! N HK-NOLJ: N 3A_JYXL;L''TCYi N :..-CAL: N C"_C-C IG-lYU: _114! N SS?V.- N AtCH: N kk.ASOIJ. CO FAHUCOLIY! 04 AC'='1L'S' WATCH: L•1'O Ckk.U-HVK! L'Li C:::t-•i'U: 0 i C'PC' INU: :NS: .0eTURN-MALL: CL-'Sp.: C'FAHCEU-OFF i kkL:t: FRAU::: C-:,: 0- KULT--1t4C: S L'RO'.'-IU: C'OOCZ)l JS P.-tCF'-C_1'_k: OOCOOCOOCI COB SERV-CL-OWNER: OC'0022 S,Jpcrp=ilnc ,-C•1N -1NL) THAL C/1 3A?.ANC- A140:;NT :LATE CORK A?:t :N'1'-khST CHHCS ,.^,SLL'H L' HUA_1S Uuschaacc '0001 C1 20, 155 .';h :0...20'.90: 0;.11-<4C QOCJOC 18G . 1'; 132 MYS_'CA.'Y OR Cash 0002 C1 J.,0 :1?.0h'!??00 0021.1LC'000'OOC 0.C0 K.-^.'J_J H,^,,L.:_ 8 1'k1NC8 A -i0(:b2C1032 ::S '1'XANSAC'='ION DATA SL;MKA:tY NAML: :OSLVA V HUA_E C'JS''1YUL: 0 L:K-'N'1' Ak-A: 00: NUM ,^,k CkkUITS: CO0CO AMT 3L• CkhL'I'1'S.- soDO NUM .^,k 1'YK_S CJ0 C0 AMT Ok L'YK_S 50.00 .1, C':t1U:'1' '-kANSAC'TIONS kO:t '1'F15 CYCLE .1AML: :3SLYH N 11UANE C'JS_- 0 L:H:N'1' AR-A: 02C NUK ,^,k L'EL':'1'S C'00C0 AMT Ok. UEH-Ts so 00 .10 U-H1 '1*'tA.1SAC'"-IONS FOR '1'H-S CYCLE NAhLL: :OSEVA V 11UANE T`-'L:h: 0 Uk:N'1' AREA! LNIC NUM Ok UYE21'8 - C'0001 AMT ,^,k L'YH:'1'S t<b-'OO T".tAN LATE k-kL:tYNCY N'JK31:H MERCHANT DESCRIPTION '-kANS-AMOUNT L:OS'1'UA'1'1& C!? PC CAkU NUMBER 1C182010 ?AST P-'Y 25.00 10182'010 ? N X1'!2 JL't:'!::2296: KARL: :OSLVH V HUANE C'JS'- TYL:h: 0 AHS'A! O9C .SUM Ok L'YE:'1'S - COO l AMT .^,k UEE:'TS - $-96-1'! '1':tA.1 UATE k-kh:t Y.1CE !1'JK3Ek MERCHANT L'L'SCRiPTICN '-kANS-AMOUNT L'OSTVA'TL C'!?; PC CAHU NUMES'k 1C2120'1C 111'1'L:tES'- C'FiAkCY: L''JHCHASYS :BG.1'! 10212'010 1'?20?'; 2'!"sc 2258: 01 Take control of your finances today! Call 1-800-258-9319 to get up-to-date information about your account and make payments. It's not too late. Call now to get started. Patio t of 1 1.5011456•A119 www.capitalone.com/solutions MASTERCARD PLATINUM 51?8-05?2-'922•&881 NEW BALANCE PAYMENT DUE DUE DATE 526,672.05 520,672,05 Past Due Available Crtdit: SO.00 Previous Balance Payments and Credits Fees 520,2?2,6? - 50.07 + 50.00 TRANSACTIONS PAYMENTS, CREDITS &ADJUSTLAENTS FOR JOSEPH P RUANE #8381 FEES -atal foes-1ds Period sc.Cc o.al re„ "Ids'%ea SC.CC INTEREST CHARGED I nr- 11"CFis-C1r.F,l Yjlkh 11-1fi[S-CI•ALSE 55.x. 513-5? 5133.13 Ca??- M. 22. Lan. 20.2011 IMPORTANT ACCOUNT UPDATES '•'011 'LjImU=h d.e.,`r; Iu;rmt 70L rule •,d1 "duct•aLr balance and Fed F+r ce }nLr L*,. `aster. -I-e wimr. }rn am my direr i •,nu'a erred km a sep:rrt lgw a9"ertenr. Interest Charged + SA-9.39 New Balance = 520,6?2.05 Help is Available. Just pick up the phone. Call 1.800.258.9319 aic a sec a ly tral-ed agen: ^•F har.•rrr to help yol, rap: k rxJr ba an.P anal ^lakF payWr-s. I I •. I INTEREST CHARGE CALCULATION o:allrner-t"ItisNAM X. -?LtlY.er': lf•TOar 5.3903a oLrnnnualFercenugleRateL.PRIG:Irearnuallllw.rY.eon%oulao:nw- A.nnual PCrienwc Balance Subiod T}'P or Balance Interest Clurge Rase (APP.1 :0 M4 ro:: Rate lnwrestteainq ^4U: S2C."!1.0 S11 -3.3 PI rivsr RrTLJRN M151TI )N nrIo+.vvwn I PiIymw OR 100 ON TO1'.AMN.CiVITAI CNr.cr.w-vsOI LITIONS TO M1•L1Kr YCLJR mymi-NT ONI INr 1 5178057279228881 20 0000000000000000000 Account Number: 5178.0572.7922.8881 Due Bat Cleve Balance A.rsounl [nclosecl Past [) Lie $20,672.05 JOSEPH P RUANE 133 WESTGATE DR MOUNT HOLLY SPRINGS, PA 17865-2010 Manage your account online. Ilia s : www.capitalone.colNsolubans :o rlanauf VOL•aLCU:.-11 on ire. lave info-nationat'r:iur ? i9ertips 74-7 - itheut Oc<in;, ur t'e p^ere. capital one Bank (USA), N?A- P.0- BOX 730!3 CHARLOTTE, F!C 28272-1083 ,1111i?L'I'IIILIIIIIIIIIIII'Irl'1'llllbr'IIIrIrIrrllJlrll'lll Please make checks payable to Capital One Bards (USA), N.A. and road withthis coupon in the enclosed envelope. I lorw is the Irrerest Charge applied? roes charges, accrto fron the I i Jxr o' Jr 'ramxainr; , i&:, Iv -.urveann V. prne:::nl nr.31 'ir,: ralrrxLr dot n'ym Ailing perind. littlest charges accrue on r•er' Lrpaid anhotr: urnl f: Is paid it V.l Imic,rr. -x roserr die rigilit :o ro: assess more.: cd'arges a: an, tine. I low, did you Calculate :he Invres: Charge? -here an, se•t cal calculalow tfa: are LS,d :o dexrnine °,i Lr :otal Wcus: charge. 1. -n go:.•nur roil naUx.: I i :ak, w cum: Matto inn •%wr -tr xcnuit rtarged.off.:i For oatl? dot: octet subtrac:lic pa',rione, credits. A adjus:nats as of :hat dot:.-Ire user: 1, tl•odAk.ir ree,:beadrgbalance. -n irJ'-ni.r +.:rra(p rake, hi4m:t toxi g ftokaw: I i x6ltlro dah•iror:::lxadrg balances ak^tter and 1i d•ide lie suck 4-. :he rLrnber of da',s lio iiorea rate ::as it e'kc. a. Rfr,a::.:m.r-oral r:omc: rlurg.:: 1 r rxd:irk tart a'::ngodafi Lahrm b; ti•o 61F• periods ra:e and ;r nultipl=• lie result b. the nunba d dais tFe inters: we as in efrc.. iICM Due :o roLnln¢ balance adjus:nenY.s. of revrnoJ pr,natt, kilt ralcLh:ior na•• 'tar, inn $e ii4rotrl1Xgn adLdk a: •.o::od. N the 'Payment Due" a Papofl Amount? ilo..slls-.ated ariouhs am o:: ,l on tto da:o of lie c:airn:r:-I•n.r::::r. b:em a irtnrmt I* clutgo: and n:h.:rdiarg, nigh:d'ange ton da-:o da.• a, , par'ided ii .ear cLSnner agreener.. lne anouit duo or .lie dx, : ou pa',na'lalarger. for t:anplo.If:oupa•,lie anouts:axdI ads,renon:..oLr xcnun: nig l'::3111 liar a bahrm ail::r :ni.r pr,n.r. is r-mi:•nJ. AJ:n nnin tta-. :lie anout•aLoaena•dferif:oulvenFL kilo asoparrcpr,rieritarargener.-Plaso Callan rlndni or Jie 'root o' lie s:ararrer. for alto::act pa:o l ago L r. Arc :here Additional fees associated .will ny, atzourt?'ies. underceraihctcuns.an. ms. ,ou rat W assessed a Finurned Fa:rner: Fee.'rou ::Illalso br ?qulred b par. us all of nw xaralmlodim oapon-, a-nw (eo,.inJ cart en•: 1.4--, JP L,•r.no•. m: alb:: us :o colec: llese annOLrs.: c rr,crr the righ::o not assess lh, :ithotr prior roars and :tfoL:l:afigolrrigl:to assess ashlarfee lair. I low, do I Make Payments? Fa:ner:s : ou nai I:o Capl:al Cno :A be crdixd :o :our accoui: as of lie Lrrsiress Ja° Jiie. are rout•erL as long as: I i wu sera lie boron p,rinr n' ld:::,ionori: ml :nur du-d In :he oncdn:od mnc:arcr :• r: nhy; 1 rd Jr : cur pa.•noit is roof rd kit Capitol Ciro 's processing cerers G• 5 pen local tile. Please alb:: a: leas: so•rn r-i busiross dr: for rlailrkllrr..l'alltl Fa:ner5 rt-I-eJ b•- Capital Cno a: ark, nth,.+r Inn:Wi nr h an'- navr 'nrn nay m: b: eadi::d r. of tM Ja•• lmt am mmir:d. Do you Process Paper C ticks as an pedronic funds Transfer? ldso •••ou pra•klea d'od, it prrnoit,. tai aiAwb, u•. aml cur agate oiler .n P.e n'nrnaw. fnn :ntr chock :o ral,e a one ono of manic fLrd :rarsin *on ; our deposit K OW. or :o process lie pa nentasa [lied uar,acior.l:her we use IrfornaJor'rorn.aLrclsdto note an olwrnnic krd sar:for. 'und: nr, 1,: •etl•dn••rr 'rnti ••nLr Jepn l: xrari r.:nnn e. the sane dot:::ercoi•r.ouipa.rion:and :ou :fl not weir' our deckbad.fronwur Ironclad iml-vion.'mLraul'orftaJor is no: linked b:.lie day on lsd•ock.::e na'- m:td,nt: and :4nnnindl. enure: Jm wwwtl pr,n:r'% 'P+}w: If I file for Bankrupxy? II.oL are arttkJ:o Wlikrtpc. proxGor,tl'taonnuni - aami it for irf rnalnr mil, t it not at aVnpi :n mlod. a:•-r•. nr mcn:rr a doll nr clan. Do rot nerd us pa.r Ln-s : J:hout waling JJi tar barLrlrpte, aJOrre-oF do Carlrupa, Court. d'.'ou I-a•r ques:Drs about 11Dlr aualt Of I arlrupb; pra.eJkx} p4a•.o fair tax z wn: •- mraR u:. d •%ni, rv tnur a::nni::.:%ndd IN, :n mr:act not baikrLp:C dains ser•iccr diecf,. please Lon:aC: Capital Ore • FCr rot:4510- • Pic rnon.l_1155-51'0' BILLING RIGIITS SUt1NARY, Does ko:Appl.:o ;naI CusiressAccouitsi i/riat To Do If You Think'rou rind A. Ms:ako On Your S:a:emcnt: I tou ti- ill, ttero t an error ai :our staxne t, :: r .o :o us a:: r*..al Cno F!-- Ca•:1 C155 Sat Lake g:t. L-a'I:C-1::55 Ir-Lrloler. glr L: JP 'nllmting n'nwwJnn_ • .kccoui: i lornatDrx '.our rune and aanLr: nunber. • lalhr anoLr.: -Is dollar anaprt o' J s s Lspoenl error. • rowip:inn of r'rnhlon: l tnu tfnt ttoro ? ari .rrnr nn ,,nut bill do:cribo .tha: ••al belie•r'r, :acing and bArv t 1, a nt:alr.'%ou rw cor:aclus ::Lhir OC dais afer is error appeared at our s:arnrr:.' oL nuranol'. us of ar' po:erahl orrnr: n ?VFIJrq.'rnL not*Coln:, ixtif tar do :r: are. nn: mquircvlto ire:::igap di: powlal errorsand wu na"twx -.o pa':•:Ikeanoultit qu tDll::ldk :. ii•rs:igat :,aeas ror ,not liero has Leer anerra. ire foltrarg are :rut: • l:o nnnn:7::n mlod lv annix: n qu:::inr, nr mpnr.:mr r danquort m tfa: a now. • 'iou to ro: na<+.I m pa: ar'• dtpured anoun3 and reh:od WerMt diarges or kes will ::rd -t a rnJm alni.: tlr afmrio of not h:r4i7a:inr. • -IA charge Ir gtrsft na, re elan an --oft s:akner_ and :,o na: catnue m charge •oL i r.Lres: on .hat arno w. DuL i' ::r de4rnne tut : ;e oak a nrak. -our : ; it rot he.r :n pa'• lm xi art Ir gtmctfmi nr are, 1111;• m:: nr nav-r ':o•- r.L•xd :n that anamt. •::hih.at do nothxr:o pa; dieanou tIr quostion Lril:;e send •'oua notice about he oveonro'civir••r:igalal ouare rosponsible 'alie Ferwindero',-our halauo. Your Bights If You Are Dissatisfied Witfi Your Cmdt Card Purchase,: Iftar am &.•A.fi l'xtf :Iv: gn,xh nr wn-k •. JLi: tar Irx•: ptirdl.,•.hI'- * :nLrcre.l: card. and : ou fxe tried i t good faHi m correct die problen :•:fih lie nordur...'ou na•. hxr as rUd no::o pa..:he F^ranhng anoun: AL ooh Jre pwfaso. -n L:o ti-i rlglk all n( lv 'nln.rhq nL:: b: 7LV: 1. -to purchase rnLs: hi-t beer nade n :our hone crate or I CC nits of our current nalfrg address, and :hr purdran' Ritz nLs: ha--e beer pore liar s5C.-ko:e'. hod:hor of tfo •o are rerr.•,er IF %M r padre:..w. bred nn an ad:. id onw .e ruBnl .o •rou. or 1= ::r oar :he canpar' loot sold `aL lie goods or ser•tes.i :. 'iou n Ls: Iwv used ?•ouro c& card 'or Js pLitasc. Fnrdiases na to -Jli cast a&wce, 'rorn an math a dxrlda: xcM•:-: ?nr.rrroJl:nrd,xrnLr: tin rn: gcLa':-3.'rnu nL:7 nnt•o: hl•r tdl paid for the purchase l all of au cd:eria abo•r are net aid wu are still dtsals'lod :•;ith die ptrcfase. comae. us it . ;Itilg x: r*.. it C no F.C . Co.: 10155 Sat IaLe g:t. VV 1,C-C.13 Y.Iit 4'•,r n:r:Jg.*. Jk, •an: rulo: apps 1, :I v. &pL:o,1 an nuit w. dII cu, :J abn•.r. Yer::e trth oLr ir-e-*JoiL-;t *.,;H kit l ou our deeis lonl :lhat poir- If .xttnk:ou o::o ar snow and •ot do not pa:::e no,. repot..ou r, rklirgLCn_ Capi:al Cno sLppor in'orrnxian prrac• proxcior: see our wedate a: ,%,v, rapt,lnrotnn raptal Cm• l.a WeraF rogF.::md Hco mad of faVlal Cnr riartnlCorparJor.All rigrsrrser•ied :CII raptalOre 7o change or update !;our address please call 1-800-258-9319 or iisit www-capilalone.corn/solulions 01 Take control of your finances today! Call 1-800-258-9319 to get up-to-date information about your account and make payments- It's not too late. Call now to get started. Page 1 of 1 I.SO 2SS9319 www.capi-ta lone.com/sokitions MASTERCARD PLATMJM 5178-0572-7922.8881 NEW IALANCE PAYMENT DUE DUE DATE S21,071.44 521,071.44 Past Due Available Credit: 50.00 Previous Ialance Payments and Credits Fees S20,67105 - 50.00 + 50,00 TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR JOSEPH P RUANE #6891 FEES Oral re. It Period sL.LL -o:al rot, -his •%ear sC.Cc INTEREST CHARGED I N rtt r1-tris-CI--.F:Gr 20 r e n-tF s-a?=.rrt 3 :a.&rr w-rrr, rr:•.rcr -o-.al hmrest'his Period -otal r:eres: -Pi:' ear 5I: .i'• 512..:5 513'.1.7 . +nn+r cap? - Jan. 21 -Apr. 20. 2011 I MPORTMT ACCOUNT UPDATES "ou 's Ilwlaro h clw .Aj ? la;rmt ra. nAe va xduae •,mr hiace and 1*4 pa ce p6rrtlM:':sm.-4 zwLr.. 1' L%Nv n: diver f •aou:e er:ereJ ino a sep:r.:e ra:ner: agreerxM. Interest Charged New Balance + 5349.39 = 521.071.E Help is Available. Just pick up the phone. Call 1.800-258-9319 aic a sp:; a ly tral-ed awn: ;oil .5F hanpp t0 hPIp yoi. (iP. k yNir ha P.n.-f- aml -LlkF (rah TFr3. INTEREST CHARGE CALCULATION '.OVA.nnual Percentage Rate ;-.PR) is :IR an ual in:er.,. rase on :our aAALr:. Annual Percentage nalanco Subiod Typo or Hanauer Rex (M) :o Inleres: Rate Iotorest 0liargo h>ter'arearing -.n.M% SIC. 172.1^ S;nn? 1 5178057279228881 20 0000000000000000000 cm?h'. Account Number: 5178.0572.7922.8881 Due Dote Ph'rr Balance Anourt EndOSetl Put Due $21,071,44 JOSEPH P RUANE 333 WESTGATE DR MOUNT HOLLY SPRINGS, PA 37065-2030 Manage your account online. JQ 'V's': www.capitalone.coWsolutions :n rlanaut: JJL' a:.CO;.'it Ori ire. -Icewe ir•io•rnatinn at ;your '1yertips 74;7 .:ithcut pc<inc uG t-e p-ore. Capital one Bank (USA), N.A. P.O. 64X 73063 CHARLOTTE, NC 28272-1083 ,IIIII,Ir,rllllrllulllnlllrlrl?IrIIIIh?rIIblrl?rllrnrnrnl Please make checks payable to Capital One Bank (USA!, N.A. and mad with this coupon in the endosed orr.elope. I low is the merest Charge applied? F:en;: charges, acme iron the I i dxt o' :I10 Yan•..x'Yrr, idi., Jr:ranadn it prnr:c•.od nr 31 r•.: cvxia dl:• n' Ito [A IV perlnd. inner charges accrue on e•rr vpaid an ov: untl His paid Fr =ull. I lo,; rr.:'x reser'r J10 rig! it .o ro: assess imeres: cargos a. ant Jne. I low did you Calcula.c :he mirror: Charge? -litre are se" oral calculaaon>, tha: are t.sed .ode-nin•+0u:ataliror,,:durgc_ I. -n go. -nur roll, ralzinv.: 1 t:alo 71 to a.rmn: "Nice knn -%I P.--r •ni.r arcnut cfarged.ok -'i ror eacF da% ester, srbtrac: iv pa: r3.n3C, credlt, and adius:norrs as of JO da:.-he lost. is tiv dat-iron, beafirg balance. •. -n Fr%I%Mr 1-:rragc Rah _• Irdore<t rearing Falano: I radd lr daF.•Ir:ca: •.: t adrg balancx,:ogethr and It Bride :he sun b- :he n.nber of dr J1e in re,t ralo ::as in 3. retina,. -t.r -ntal Fier: c. ntvg. I t nttl:ipl.:rnr X. ?•nge d d,, I,Arm bt tiro daF- rviodk ra-e and _t nuIJpF. Jx rs,t b: to nunbcr d tars tfe ireres: we .,;as in efec... f ir'M Due :o roming. balance a,pu,neirs. or re:unnod pa;tterim, tit cakt nlor nr- :tar Fnn lie ntorrtchargo actr.alk at•.ot•.od. Is the "Payment Duc" a Papoff Amounr? llo..,Il,akd anoun:s arc o:•:NI o1 the da:c of Jm •-..*nor:_ I n•"•. r, b:. cxro ntere•.t. Lilo d.a.get and n:hor rltarg, niglr dingo lion da`• :o da'• as rwided il'•'our L'Arter agreener:. Jae anent due or -.1k, dr.:ou pa-nor Ix•larger. rore:•xrple.iftoupr-:heanounts:a•.edIrld,,xencin+Uu xcnun: nigh: •.ti) kxr a babrm abarnr.r px,n:r. it ra+i:wJ. Al,? nito Oa:lm all out +oL voo na•- difer if :ou-t entered ialn a •,epara:e pr-not arrargen er:. Plaso mlil10r nlxnorSte'rento'die•,:.Mner:forano'MailmoTanoLr.. Are liereAdditbnal rocs associated wth my aaclunt?'.a,. under axi-Aiclans:an. ms. ;•ou resat be assessed a Acrurrltd Fattier. ree.' ou :•:IIIalso 1,0 required to pa: us all of nur x:uelrnlodirn oyponu .. x': nnv•t' leo•. and emrt cnt:J i li-,, t: Li•r dne•. rn: alb,: us :o collet: aaL,e anOLr ,.Yao resew the rigl3::o not asses, =4s t:iawu prior roam and .,*oL .:al93go?r rgl^ to assess asF3lar fv laxr. I low do I Make Payments? Fa:ner:s : ou nail :o Capi:a1 Cne aA becrodi-A-v tour account as of :Ito busir z db+ :la. am remF'nl as brg as. It:ou serul:Im boson pnrinr .-.10, •.:a-.on n:and :nur dt d it:Imendn•N1 rninirm r: ohp , and It',nur pa.Txrt is receird in Captal Coos processing cerers It- 5 pn bear tFk-. Fkasc alb:: a: kar. se'rn -t busiress rIY-', for rlaildolltn:.l'aittl Fatners real-ed b Capi:al Ova: ar•• nor io r Inn9nn nr n ar-nave 'nen na, rn: b+ eredi:od .r. n f tho dr- Jm: am romh: vl. Do you Process Paper Omcks as an ?earonk runts Transfer? Vdion'-ou iWirk a d-ocl it pit-nod, tna a..atnr'ive u•. aml nur agoid•. oilrr:n t.•.e n'rnnaim fmn .nur dock :o rule a one:ino elecronic fLrd uarsin *on -ou deposi: wxly: or :o procoss 110 pa eentasa died .tansador.'.;imr .,;c ,e irfornalor'ron •0Lrd10dto nale an cloc7,nic h.rd :rar• for. 'limit nat Ix• •cth,ln+v 'rnn +ni.r dopnd: accnuu: x. •.nn a•. tlr sane da•. S:c recc v tour pa-r3ol:and :ou t:il nxtrenlr+-ourdedbackfmn :our firandal i rs:cu:ion_'m a aul•ortaior Is no: In Cod b-- :Ile ,late on ited-e ck l:e n r- m•.ud,nl: amt okrraaic?lk Am: :im m:urn,.d p trw:% WTta: if I file for Bankrup:q*? If tor, are ottkd:o I antrGf7.C pio:eclor,tl t mrnulk- alon F•. fnr irfnrnainr nn1-. t it not on alenpt :n mloct accr•. nr mcmw a Jobt m cliaFl. Do ro: serd us pa%,no s :,...host spearing ::i:h :our barlrwk:- avrrc- or to CifliuW- Court 1''-ou I'r%, quosior, abou,ouraccount or barlrupLL pmTertr4 pt4.ro hair ;nur a::rnn: rnr:act u•..I+nr• nr :nu i :nrm++ +rnukl W :n mr:act nur banlnrrr chins s,•r'kcr phase conic.: Captal Ore • r{t fo:: M ti' Pidr3oml. ..,2iS 510? BILLING F.IGIFTS SUk1h1a.F,Y+Do,, ko: Appl_ .o kral Lusiress.-'.ccoutzi Mat To Do If You Think You rind A hl,:ake On You S:xement: 1.outM*,tois an enoro3:our M:enLK,.Ae:o us a-_ rapl:al C. no FI=.La::C255 Sat Cale O't. L's' 13C•C255 F :er.r lolor. qir v.. U. 'nfn+rirg in'nrnaJnn_ • Accou3: iilornatb¢'low lane and acmir. nunbcr. •loiterarwtr,.:l10,b1aranouto' iostsp .ederror. • rrzcr p:inn of hnl,lon: i tnu tf-K these F. an otter nn •,nur bill drrribo+d.a::nu bekri, is::roag and :•.f';• ; ou belr" c is a nis-.Ao.'?ou nus:mradus aclur oC dais ester Jre error appeared on'.ours-,&ntr:.'rot rustno:l't us of art po:en41 orrnr, it+artiug.'rm nor+•cAlv... W1 if ;at do:v am nn: mquimdtn hero :iqa'! an: po:erlal error,, and %ou nr• ha•r :o pa.. :hc anout it (luestfo . hik :•x in'cs1ga10 :':he:imr or not:lmr has beer anerror. lie blb:frg are ter: • :.o nnnn:7r+• :n AM Jr, annt.r: In qu,,:lnr, nr mpnr: !mr.r. d-lnqumnt nn tl•a: anor.r_ •'.ou do ro: need to pat art dip Iod MUMS and IAW inner durges or foes aril +ur a:nl +M. a rn:lm alnt. to nutmnonf nu b.r-SpJnr. - -ho charge it qu.don na% re rub on* ot,atener:. and ::c rat corttnue b Marge tat, iron-.. on :hat anotr:_ Cut. i' :ce +eforni a Jig -z nah a niLit.. +•ou : 11 ro: In:r:n pa, Ito an nut Fr qurtMr nr air, k:%mc. nr naw r r.6:ed :n that tnnurd. •',',hik ;oL do root ha•r:o pa,.- %, anouttr gtlesibi tr:ll::e sod-oua notke about lie oL:mneo'ou.rir-es-iga•1on-ouare rsponsibk'or icronabdero';ourLilillC. Your Rights IF You Arc Dissatisfied Mitt'fty Cmiit Card Purchase:: itnul am dhcatI fW •%* :ho gnnd, nr•or.*., au: :nu lu v purchn l A* •nr.r crodi: card. and•-:o.iu tar a trl+d it good faith to correct :he probkn ::• li :he norc ar.. ; ou na'. Ia•r 110 rgt no-.:o pat-:110 mailing anour. dtx 011110 pLrcha•,e. -n i •.e th11, rli;f L at of J w- 'nlln:ling n i •.: Ix. :n,+: 1. 1o I x t d w , e nu: ha-•e beer nado in war hono siax or :Ahir I C C rile-, of toil cunrert nairg addies., and lie purdra,e prim no: Ira-e Boer note liar SSCAov hothor n f there are rrcr.•z r-1 •nt• r purdr r:. torte. lxrod nn as 4.-, ri•.on:r::: a ruled .o -ou. or r ::o o:x 1w conparvtat sold +ot .he goods or sertr,.t L'.ou nts: hr•e trod+vu cloth: card 'or Joe pird•ase. Fudlaws nado,.that cash ad'•ances 'ron anii t' or .-xli a darn tFa:xco^., •nr.raodi: cxd xmr.C do ro: qual •,..3.'rnu nta: not •r: ha'r i II. paid for the pudase fail of 1u criteria abve alo net ard'.ou are A dhsaJsied-.-th:hc pt,rctase. comae. us it :,.Ai3g a:: rapl:al Cno F!-. DG., .215 Sat laio CI::. L-:; I;C•C285 V.16. 'ar ln:r••Jgaie.:Im tan- nil, a ppk to :I.:. di •pr.:od annul a•. dFru,aod ahm..r. ;Jet::efirthoulr'e gala3.:sr u:el:ououd<'crbn.4:iutpar U.-;e hbktou o:•x ar anoLr. ard'1a4 do nor pat :c lour, ropor.. %or as &Iirgi.en_ Capf:al Crh st.ppors ka'orrla:ioa *ac pro,ror: %v ow::el,ste a: +rc-.: raptalnrcrnn ?apl:al Cno F. a fnk+ral+ rogF:M1rcJ •.:dce nvl of r'aptal i. no riarebiCorporalor...IlrigFsresn'cd :CII raptalOre To chango cr update youraddress please call 1-800-258-9319 or visit www_npitalone.com/solutions PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.CLEU-0EE1UE 425 EAGLE ROCK AVENUE C%r- THE PROTHONOTAR " ROSELAND, NJ 07068 2012 JAN 20 AM 11: 2 973-618-0000 ID #92125 CUMBERLAND COUNILVTORNEY FOR PLAINTIFF PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. CUMBERLAND COUNTY COURT OF COMMON PLEAS Plaintiff(s) V. JOSEPH P RUANE Defendant(s) NO. 11-4547 CIVIL CERTIFICATE OF SERVICE I, Katherine Dieterle, hereby certify that a true and correct copy of the Plaintiff's Amended Complaint in Civil Action was served this date by first class U.S. Mail, postage prepaid, upon the following: JOSEPH P RUANE 133 WESTGATE DR MOUNT HOLLY SPRINGS PA 17065-2010 Date: I A/a Respectfully Submitted: NUDELMAN, KLEMM & GOLUB, P.C. at rine Dieterle, Legal Assistant 425 agle Rock Avenue Roseland, NJ 07068 (973) 618-0000 NN92146 IN THE COURT OF COMMON PLEAS, CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff • CIVIL TERM t r4' • _ • NO 11-45 'W R v. 2 rte-' ri- JOSEPH P. RUANE • • • • • Defendant PRELIMINARY OBJECTION TO AMENDED COMPLAINT AND NOW COMES the Defendant, Joseph P. Ruane, who files his Preliminary Objection to the Plaintiff's Amended Complaint, as follows: 1. Plaintiff filed suit against Defendant alleging that Defendant owes money to Plaintiff arising out of a credit card account issued by Plaintiff. 2. The Defendant was served with the Amended Complaint on or about January 18, 2012. Preliminary Objection — Failure to conform to rule of court. 3. Plaintiff failed to attach a Notice to Defend to the Amended Complaint. WHEREFORE, the Defendant requests that his Preliminary Objection be sustained, and the Plaintiff's Amended Complaint be dismissed. Respectfully Submitted, DATED: 9.73b/1 3 e os= •h P. Ruane, Defendant CERTIFICATE OF SERVICE I, the undersigned, hereby certify that on the 1st day of October, 2013, I served a copy of the foregoing Preliminary Objection to Amended Complaint, by first-class mail, postage prepaid, upon the following: Robert L. Baroska III, Esq. NUDELMAN, KELMM & GOLUB, P.C. 425 Eagle Rock Avenue Roseland, NJ 07068 Plaintiffs Attorney Jo.ep P. Ruane, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. ; Plaintiff : No. 11-4547 CIVIL TERM VS JOSEPH P RUANE Defendant c f' RULE 1312-1 The Petition for Appointment of Arbitrators shall be substantially in the, following form: a c, THE PETITION FOR APPOINTMENT OF ARBITRATORS" TO THE HONORABLE, THE JUDGES OF SAID COURT: ROBERT L. BAROSKA, III, ESQUIRE, counsel for the plaintiff/defendant in the above action (or actions), respectfully represents that: 1. The above -captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is $ 20,272.67 The counterclaim of the defendant in the action is 0.00 - The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitte ORDER OF COURT c:: ctok tons() tit C, ILY- 2#1-21308q AND NOW, , 20 , in consideration of the foregoing petition, Esq., and Esq., and ' Esq., are appointed arbitrators in the above captioned action (or actions) as prayed for. By the Court, KEVIN A. HESS, P.J. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, .PENNSYLVANIA CAPITAL ONE BANK (USA)„ N.A. Plaintiff VS JOSEPH P RUANE Defendant RULE 1312-1. following form: : NO. 11-4547 CIVIL TERM The Petition for Appointment of Arbitrators shall be substantially in the THE PETITION FOR APPOINTMENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: ROBERT L. BAROSKA, III, ESQUIRE counsel for the plaintiff/defendant in the above action (or actions), respectfully represents that: 1. The above -captioned action (or actions) is (are) at issue. 2. The claim of plaintiff in the action is $ 20,272.67 The counterclaim of the defendant in the action is 0.00 The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitte �-2 ORDER OF COURT �,, �I. ,'� , 20/ 7' , in consideration of the foregoing petition, %a/Lb/AI • l7l.>;l.(.�—� Esq., and /j-jy1QD t,..944,6/21:2.1 2 Esq., andEsq., are appointed arbitrators in the above captioned action (or actions as prayed for. Nude/tstah: )//Mi p es fnat `ted N-) crag . -urs CD 1 —. ROBERT L. BAROSKA, III, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #306728 ATTORNEY FOR PLAINTIFF PILED - THEILES- THE PR i0 t 14DEC -1 PM 2:25 CUMBERLAND COUNTY PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. v. JOSEPH P RUANE Plaintiff(s) Defendant(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 11-4547 CIVIL CERTIFICATE OF SERVICE I, Katherine Dieterle, hereby certify that a true and correct copy of the Plaintiffs Discovery and Notice to Attend was served this date by first class U.S. Mail, postage prepaid, upon the following: Date: NN92146 JOSEPH P RUANE 133 WESTGATE DR MOUNT HOLLY SPRINGS PA 17065-2010 Respectfully Submitted: NUDELMAN, KLEMM & GOLUB, P.C. th adi/Auz- rine Dieterle, Legal Assistant 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 ROBERT L. BAROSKA, III, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #306728 ATTORNEY FOR PLAINTIFF P CAPITAL ONE BANK (USA), N.A. v. JOSEPH P RUANE Plaintiff(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS Defendant(s) NO. 11-4547 CIVIL CERTIFICATE OF SERVICE I, Katherine Dieterle, hereby certify that a true and correct copy of the Plaintiff's Discovery and Notice to Attend was served this date by first class U.S. Mail, postage prepaid, upon the following: Date:./j0/1__ NN92146 JOSEPH P RUANE 133 WESTGATE DR MOUNT HOLLY SPRINGS PA 17065-2010 Respectfully Submitted: NUDELMAN, KLEMM & GOLUB, P.C. erine Dieterle, Legal Assistant 425 ` . ale Rock Avenue Roseland, NJ 07068 (973) 618-0000