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HomeMy WebLinkAbout11-5958ii I~R0jIj".1, N0TARr LAW OFFICES OF HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 123 S. Broad Street Suite 1660 Philadelphia, PA 19109-1003 (215) 928-1400 OUR FILE NO. 376876 a ': 7 .,, ? I a i IJ p P7. ID C0 JR x ? .5 Y L11/! K 1; Attorney for Plaintiff CAPITAL ONE BANK 4851 COX ROAD GLEN ALLEN, VA 23060 V5. DANIEL L KREHLING 115 2ND ST ENOLA PA 17025 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION TERM. No. 11-SgS? e;Vi*( 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 to the oats may proceed wMxKjt you and a judgment may be en- tered against you by the court without further notice for any mon- ey dalmod in the complaint or for any other claim or relief requeaR ed by the plaintiff. You may lose money or property or other rights important to you. IF YOU CANNOT AFFORD TO HIRE A LAWYER-THIS OFFICE MAY BE ABLE TO PROMS YOU WITH INFORMATION ABOUT AOENC= THAT MAY OFFER LEGAL MR VICES TO ELIOIBLE PERSONS AT A REDUCED FEE OR NO FEE CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD STREET CARLISLE PA, 17013 800-990-9108 "AVISO "Le han demandado a usted an Is oorte. Si usted quiere defenderse de ad= demandas expusstaa on Its pdgkwt aiguientss, usted bane veins (20) dies, de plazo at patir de to feche de is demands y It notiRracidn. Haos Me assntar una oorrparencia escrita o on peraww o con un abogedo y ertrager a is ow on forma escrita an deisraas o am objsciones a lot demandes an oontre de ou persons. Sea avisado quo si uded no se defiende, lo cone tomari madidas y puede continuer to demands an contra suya sin previo wiwo o notifloom6n. Adsmis, Is oorte puede decidir a flavor del demendante y requiere qua islet cumpls con todas las provisiones de tale demands. Wed puede parlor dinero o sus propiedadee u otrot deredas inportantes part usted. "LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ASOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TEL&ONO A LA OFICINA CUYA DIREcci6N SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. 0) C?? 13g? a?a 3. k 0 CIVIL ACTION 1. Plaintiff CAPITAL ONE BANK is a business entity securing or collecting debts, with offices located at: 4851 COX ROAD, GLEN ALLEN, VA 23060. 2. Defendant(s) DANIEL L KREHLING is/are individual(s) residing at: 115 2ND ST, ENOLA, PA 17025. 3. Upon application by Defendant(s) a Credit/Revolving Charge Account was established for Defendant(s), which was assigned account number 4003447006865895. 4. Defendant(s) subsequently utilized the aforesaid account to make various purchases and/or receieve cash advances, thereby incurring payment obligations to Plaintiff and/or Plaintiff's predecessor in interest. 5. Defendant(s) defaulted by failing to adhere to repayment terms and in accordance therewith, the entire remaining balance became due and immediately payable. 6. As a consequence of the foregoing there is presently due and owing to Plaintiff by Defendant(s) the following amounts (see Exhibit "A"): Unpaid Balance: Interest: TOTAL DUE: $24,756.32 $221.09 24,977.41 7. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to pay the aforesaid sum. WHEREFORE, Plaintiff demands that judgment Defendant(s) in favor of Plaintiff in the together with interest and costs. HAYT By: be entered against amount of $24,977.41 Attorney for Plaintiff What you're saving or ... it's just a click away. vqk Get there faster with one of the best savings Annual Percentage Yields (APYs) among the top national banks. Go to www.capitalonedirect.com Please use Offer Code DIPBCD2DF • Please see reverse for important disclosures. - 500280 0 R Capital One" Online Savings Account 3.55% APT on balances of $10,000 or more Calpftaj - MEMBER Direct Banking FDIC FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $22,327.71 - $272.00 + $45.60 + $0.00 = $22,101.31 $266.00 Jan. 13, 2009 Nov. 14, 2008 - Dec. 13, 2008 Page 1 of 1 •`•' Visa Platinum Account 4M 4470AN-5895 Your Account Information TOTAL CREDIT LINE TOTAL AVAILABLE CREDIT CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH C Yl REWARDS' $30,000.00 $7,808.69 $15,000.00 $7,898.69 PEASE W AT VAST THIS "RUNT Rewards Summa Previous available balance, 1,222 Earned this period: 0 (r dlads Irensactions posted during this biting cycle) Available Balance: 1,222 Payments, Credib dr Adlustments 1 10 DEC ELECTRONIC PAYMENT $272.00- Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,481.61 0.01548%0 5.65% $16.17 Cash $0.00 0.04260% D 15.55% $0.00 SpecialTrans $18,832.09 0.00521% 90% $29.43 ANNUAL PERCENTAGE RATE applied this period: 2.45% Q At Your Service • Go to wm olceebnacom to manage your account, or Car 1-M-955.7070 to report a lost or stobn card or speak la Outomer Reheons 0 Pay Online at or mad your payment to: Capital One Bank (USA), rt.A. • P.O. Box 71083 - Charlotte, NC 28272-1083 A Send Inquiries to: Capital One, P.O. Box 30285 • Sal Lake City, UT 84130-0285 ® Manage your Rewards online by visiting a Cat 1A00-Z28.3CO1 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.cgpitalone.com/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 13 0000000272000266000 Account Number: 4003-4470-0686-5895 tend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- Jan. 13, 2009 $22,101.31 $266.00 it's fast, easy and secure. Q Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST TI11SAMOUNT Moving? Change your address online or on the back. ® Help save the planet---Go paperless. #9034966727023817# ® Sign up at www.capitalone.com DANIEL L KREHLING 115 2ND ST Capital One Bank (USA), N.A. ENOLA, PA 17025-3204 P.O. Box 71083 ll IIIII I III I I ll I I IIIII IIIII I II Charlotte, NC 28272-1083 I r r I Irl I Ir II h 11 hlu rl rln I r r rl II 1 II I I IIL. 1 I nllll '1 "n Ih rllll Iln rill' 'III' h'llhlhl'IHI EXHIBIT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. What you're saving for * is just a click away 3 APY Get there faster with one of the best savings Annual Percentage Yields (APYs) among the top $10,bala000 or balances national banks - backed by FDIC insurance. $1 more e MEMBER Open online at www.capitalonedirect.com Please use Offer Code DI57NXlDF 500266 FDIC Visa Platinum Account 4003.447D.O6W5895 ? Your Account Information ? REWARDS' TOTAL CREDIT LINE $30,000.00 TOTAL AVAI LABLE CREDIT $8,120.11 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $8,120.11 FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment C$22,101.31 - $266.00 + $44.58 I C:$0.00 D= $21,879.89 $263.00 Dec. 14, 2008 -Jan. 13, 2009 Page 1 of 1 -\ KfASE W AT LEAST THIS AMOUNT Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,480.73 0.01342% D 4.90% $14.48 Cash $0.00 0.04655% D 14.80% $0.00 SpecialTrans $18,634.00 0.00521% 1.9046 $30.10 ANNUAL PERCENTAGE RATE applied this period, 2.42% AI-Zk At Your Service . Go to wwai caortabne.oom to manage your account, a Cat 1400-955-7070 to report a lost or stobn cwd a speak to Customer Relations 0 Pay Online at wwwcacitabne.oom or mail your paymerd to: Capital One Beek (USA), N.A. • P. 0, Box 71083 • Cherbile, NC 28272-1083 A Send Inquiries to: Caplal One P.O. Box 30285 • Sal Lake Ory, UT 841300285 ® Manage your Rewards online by visiting a Cat 1-000-22&3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.captalone.comldispules Rewards Summa Due Date Feb. 13, 2009 Previous available balance: 1,222 Earned this period: 0 (relbcts transactions posted during this Ealing oria) Available Balance: 1,222 Payments, Credits Ear Adlustments 1 13 JAN CAPITAL ONE ONLINE PYMT AuthDate 13-J AN $266.00- PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWIN.CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4003447006865895 13 0000000266000263001 Account Number. 4003-4470-0686-5895 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- Feb. 13, 2009 $21,879.89 $263.00 it's fast, easy and secure. Pay online anytime-no more checks, stamps or clutter, PLEASE PAY AT LEAST THIS AMOUNT 0 Moving? Change your address online or on the back. ® Help save the planet--Go paperless. #9001466727023817# ® Sign up at -capitalone.com. DANIEL L KREHLING 135 2ND ST Capital One Bank (USA), N.A. ENOLA, PA 17025-3204 P.O. Box 710133 1"1'111111111111111'1111'I11111111r,lllll'I'Il"11'IIt111"11111 Charlotte, NC 28272-1083 IIIIIII'III"IIIII'll'1111111"IIIIII"II'I'lll'lI I I I I I I I F I I Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A 500008 whaesi.yaww°"et? It could happen to anyone. Make sure you pay the amount DANIEL L KREHLING due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES behind You're BETTER INTEREST RATES (good credit could mean lower interest rates) • payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) C) 2008 Capital One .Sernices, Inc. ('apical One it a federally ngiaered service mark. All nghlr re. cerued FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $21,879.89 - $0.00 + $44.23 + $39.00 = $21,963.12 $565.00 Mar. 13, 2009 Jan. 14, 2009 - Feb. 13, 2009 Page 1 of 1 Visa Platinum Account 4003.4470-008&6996 Your Account Information REWARDS' TOTAL CREDIT LINE $30,000.00 TOTALAVAI LABLE CREDIT $8,036.88 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $8,036.68 PLEASE PAY AT LEAST THIS AMOUNT You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. Rewards Summa Previous available balance. 1,222 Earned this period: 0 (raWs transactions posted during this Ming cris) Available Balance 1,222 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,480.81 0.01342% D 4.90% $14.48 Cash $0.00 0.04055% D 14.80% $C.DC SpecialTrans $18,422.15 0.00521% 1.90% $29.75 ANNUAL PERCENTAGE RATE applied this period: 2.42% 0 At Your Service • Go to www.c®nabne.mm to manage your account, or Cat 1-8(10-955-7070 to report a bst or stolen axd or speak to Customer ReleeoLs ® Pay Online at wwwcatitabreopm or mail W payment to: COW One Bank (USA), N.A. • P.O. Box 71083 - CherMte, NO 28272-1083 A Send Inquiries to: Captal One- P.O. Box 30285 • Sat Lake Qty, UT 84130.0205 ® Manage your Rewards online by visiting a Cat 1-000-228-3001 ® Have a questtan about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.calitalone.comldisoutes Payments, Credits & Adjustments Transactions 1 13 FEB PAST DUE FEE $39.00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT 0NUNE. 1 4003447006865895 13 0000000266000565006 Account Number: 4003-4470-0686-5895 Lend a hand Save the land Due Date New Balance Minimum Payment . . Amount Enclosed Manage your account online today- ( Mar. 13, 2009) $21,963.12 $565.00 it's fast, easy and secure. e Pay online anytime-no more rhecks, stamps or clutter. PLEASE PAYAT LEAST THISAMOUNT © Moving? Change your address online or on the back. ® Help save the planet--Go paperless. #9004566727023811# ®Sign up at YV -capitalone.com. DANIEL L KREHLING 115 2ND ST Capital One Bank (USA), N.A. ENOLA, PA 17025-3204 P.O. Box 710x3 II I I I I 11" II'1'11" 11'III"IIIIII' I 'I 'I III I I I ' IIII I' 'I" 'IIIII'll Charlotte, NC 26272-1063 IIIIIII'11I"IIIII'II'1111111"IIIIII"II'1-111.1F-11111111'1111 EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. GROWING TRUST. WORTHY. BANKING. With one of the best savings rates among the top national banks, you can trust that your money will work for you. Visit www.capitalonedirect.com ?'w= Please use Otter Code DKF67D4DF `a' Direct Banking 'Please see reverse for important disclosures. V ONLINE OF SAVINGS ACCOUNT % Annua rtta Pence 2. Yield (API) on balances $10,000 or more e* I ge 500273 FDBIC FINANCE Previous Balance Payments 6 Credits CHARGE Transactions New Balance Minimum Payment Due Date $21,963.12 - $604.00 i $39.55 + $0.00 = $21,398.67 $253.00 Apr. 13, 2009 Feb. 14, 2009 - Mar. 13, 2009 Page 1 of 1 Af. Visa Platinum Account 4093.44704N698.5e95 ??? Your Account Information ?- REWARDS' TOTAL CREDIT LINE $30,000.00 TOTAL AVAI LABLE CREDIT $8,601.33 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $8,601.33 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,464.32 0.01342%0 4.901A $13.02 Cash $0.00 0.04055%0 14.80% $0.00 SpecialTrans $18,183.17 0.03521% 1.90°A $26.53 ANNUAL PERCENTAGE RATE applkd fhle period: 2.19% Q At Your Service • Go to vwnv.ca bbna.oom In manage your accounl, or Cat 140-955-7070 to report a bet a stolen wd or speak to O si mer Rebtions 0 Pay Outline at waw.cadlabne cam or mail your payment b: Capital Om Bark (USA), N,A, • P. 0. Box 71083 • Cherbtte, NC 28272-1083 A Send Inquiries to: Captal One P.O. Box 30285 • Sat Lake City, UT 84130-0285 ® Manage your Rewards online by visiting a Cat t= ® Have a question about a charge on your statement? Please refer to the Wing Rights Summary on the back of your statement or visit www.caoitalone.com/disMies PLEASE m1' at LEAST THIS AMOUNT Rewards Summary Previous available balance: 1,222 Earned Ihis period: 0 (reflects transactions posted during this ding cycle) Available Balance: 1,222 Payments, Credits 3 Adjustments 1 13 FEB LATE PAYMENT FEE ADJUSTME NT $39.00- 2 14 FEB CAPITAL ONE ONLINE PYMT AuthDate 13-F EB $263.00- 3 11 MAR CAPITAL ONE ONLINE PYMT AuthDate 11-M AR $302.00- PLEASE RETURN PORTION BELOW WrrH PAYMENT OR LOG ON TO WWW.CAPiTALC)NE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4003447006865895 13 0000000302000253009 Account Number: 4003-4470-0686-5895 Due Date New Balance ?Minniimum Payment Amount Enclosed Apr. 13, 2009 $21,398.67 I $253.00 PLEASE PAYAT LEAST THIS AMOUNT #9007366727023813#/ DANIEL L KREHLIN6 115 2ND ST ENOLA, PA 17025-3204 rrlllrlrlllrn141111111rnlrllnrlllphlllllrlllnlllllrllrnll Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay online anytime-no more checks, stamps or clutter. © Moving? change your address online or on the back. ® Help save the planet-Go paperless. O Sign up at vvww.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1083 11111160'--11111'11'1111111rrllllll'rll' 1-111-11-- 11111111-1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A TRUST. WORTHY RESULTS. BANKING. The Capital Onee Online Savings Account offers worthy returns- among the best in the nation for savings accounts. And with FDIC insurance, you can trust everything is safe. P : Open an account, have a balance of 510,000 or more on 5/29/09 and get an extra M Visit www.capitalonedired.conVget50cash ?'N?7DirMect To receive this offer enter Offer Code: get50cash ?Banking 'Please see reverse for important disclosures. V ONLINE OF SAVINGS ACCOUNT 500281 01 ?on alances of 00 or more' FDiER C Annual Percentage Yield ? (APY) FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date l $21,398 67 )-? $253.00 + $43.44 + $0.00 )_ $21,189.11 I $255.00 ( May. 13, 20091 - -- --- -----....- --....._..._ Mar. 14, 2009 -Apr. 13, 2009 Page 1 of 1 Asa Platinum Account 4MA470.00M.899S Your Account Information TOTAL CREDIT LINE TOTAL AVAILABLE CREDIT CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH (A?!Has* NWARDS' $30,000.00 $8,810.89 $15,000.00 $8,810,89 PLEASE PAY AT LEAST THIS AMOUNT Rewards Summary Previous available balance: 1,222 Earned this period 0 (reflects IrensactionS posted dung this ding cycle) Available Balance: 1,222 Payments, Credits dT Adlustments 1 13 APR CAPITAL ONE ONLINE PYMT AuthOate 13-A PR $253.00- _.....-- ---- Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,477.67 0.01342% D 4.90% $14.47 Cash $0.00 0.04055% D 14.80% $0.00 SpecialTrans $17,934.26 0.00521% 1.9014 $28.97 ANNUAL PERCENTAGE RATE applied this period: 2.4376 o At Your Service • Go to www.aaoitabne.ow to manage your aocount, or Cat 14100-955-7070 to repot a lost a stolen fled cr.peek to Customer Relations ® Pay ONine at www.mlabne or mail your payment to: Capital One Bank (USA), N.A. • P.O. Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Capital One- P.O. Box 30285 • Sat Late City, UT 84130.0265 ® Manage your Rewards online by visiting a Cat 100-228.3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalone.com/&Wles PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPFrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 13 0000000253000255006 Account Number: 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed May. 13 2009 ? $21,189.11 j $255.00 -- PLEASE PAY AT LEAST THIS AMOUNT #9010466727023816# DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 I— 1,+ .111111.1.1111. 1.1.1 Ill.p.1111.11-11 it Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. e Pay online anytime-no more checks, stamps or rlutter. © Moving? change your address online or on the back. ® Help save the planet--Go paperless. O Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111'I'1'r11111'11 1111111rr11111Irrll l'lllrllrrllllllll'IIII EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. GROWING TRUST. WORTHY. BANKING. With one of the best savings rates among the top national banks, you can trust that your money will work for you. Visit www.capitalonedirect,com Please use Offer Code DL25KK2DF Direct Banking 'Please see reverse for important disclosures. V ONLINE A SAVINGS ACCOUNT 5OW86 0 Annual Percentage Yield (APY) ?2:m ces of r more* MEMBER FDIC FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date j $21,189.11 i-? $255.00 + $41.69 +? $0.00=$20 975.80 ( $251 00 Jun 13 2009 -.-.......... .._.. _........ -......... --- -- -------- - , . --- - --- -; __ . , - ._....._._. Apr. 14, 2009 - May. 13, 2009 Page 1 of 1 = ------ -------........ _._.. --? PLEASE PAY AT LEW THI5 AMOUNT Visa Platinum Account Rewards Summary 4003-4470-00M.5895 Previous available balance: 1,222 Your Account Information RIWARDT Earned this period: 0 TOTAL CREDIT LINE G00.0o $3G (reflects I-ssctions posted during this biting cycle) TOTAL AVAILABLE CREDIT , 39,024.20 Available Balance: 1,222 CREDIT LINE FOR CASH $15,000.00 Payments, Credits & Adjustments AVAILABLE CREDIT FOR CASH $9,024.20 1 12 MAY CAPITAL ONE ONLINE PYMT AuthDate 12-M AY $255.00- ' Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,478.30 0.01342% 0 4.90% $14.00 Cash $0.00 004055% 0 14.80% $0.00 SpecialTrans $17,714.13 0.00521% 1.90% $27.69 ANNUAL PERCENTAGE RATE applied this period: 2.36% Q At Your Service • Go to wymowdabne.oom to manage your account. a Cak 1-8110-955-7010 to report a lost or stolen cad a speek to Customer Relations 0 Pay ONins at www.cacitabne.com or mad your payment to: Capital One Bank (USA), NA. • P.O. Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Gaptal One- P.O. Box 30285 • Sal Lake Ory, UT 84130-0285 Aft Manage your Rewards online by visiting ® ===- Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.cacitakme.comIdsoules PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPrTALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 13 0000000255000251008 Account Number. 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed - - - - - --- ----- J 13, 2009 $20,975.80 $251.00 PLEASE PAY AT LEAST THIS AMOUNT #9013466727023813# DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 1111.11111111., 1 it Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay online anytime-no more checks, stamps or duster. ® Moving? Change your address online or on the back. ® Help save the planetGo papertess. Sign up at w .capitalone.com. Capital One Bank CUBA), N.A. P.O. Box 71063 Charlotte, NC 28272-1063 1111111'If 1"llIll. ll'Illllllr,llllll'rll'I'lll'11"11111111'1111 EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Why open a Direct Banking account? Because it's online, we offer higher rates than traditional branch banks do on many accounts. • Get the growth and convenience of saving money online • FDIC deposit insurance increased to $250,000 (through 12/31/09) • Convenient 24/7 account access MEMBER CAW. FDIC www.capitalonedirect.com 500292 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $20,975.80 l-? $251.00 + $42.74 $0.00 - $20,767.54 111I $250.00 I Jul. 13, 2009 l ----- ,... ---- - .... 1_-------11. ..._....-.--- l May. 14, 2009 - Jun. 13, 2009 Page 1 of 1 Visa Platinum Account On"70A666.6695 Your Account Information C UWARps TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $9,232.46 CREDIT LINE FOR CASH $15,000.00 AVAILA13LF CREDIT FOR CASH $9,232.46 r Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,478.17 0.01342% D 4.90% $14.47 Cash $0.00 0.04055% D 14.80% $0.00 SpecialTrans $17,502.52 0.00521% 1.90% $28.27 ',,-ANNUAL PERCENTAGE RATE applied this period: 2.44% Q At Your Service • Go to www.capnabne oom to manage your account, or Ceti 14W_955-7070 to report a bst or sblan card or speak in Customer Re6Oms ® Pay Online at www.capitabne.com or mail yar payment to: Capital One Balk (USA), N.A. • P.O. Box 71083 • Chatme, NO 28272-1083 A Send Inquiries to: Captal One P.O. Box 30285 • Sal Lake City, UT 84130-0265 Aft Manage your Rewards online by visiting or (:eti 1-800-22B-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalone.com/disputes PLEASE PAY AT LEAST THIS AMOUNT Rewards Summary Previous available balance: 1,222 Earned Ibis period: 0 (ret6cis Iransackris posted during this biting clols) Available Balance: 1,222 Payments, Credits & Adjustments 1 12 JUN CAPITAL ONE ONLINE PYMT AulhDate 12-J UN $251.00- Want a smarter way to save your money? At Capital One Direct Banking, our accounts are online - so we pass the savings on to you with higher interest than tradilional branch banks. And all of our savings options are backed by the security of FDIC insurance. Learn more at capitalonedirect.com. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPrTALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 13 0000000251000250003 Account Number: 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed Jul. 13 2009 $20,767.54 ) $250.00 PLEASE PAY AT LEAST THIS AMOUNT #9016566727023817# DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 rllnLuunrlrlllrlrllllllr911rllllrlulrlllll°IIIIrIIIrIIIII Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. e Pay online anytime-no mnre checks, stamps or dLtter. 0 Moving? change your address online or on the back. ® Help save the planet-Go papertess. 0 Sign up at vvww.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIII-III--IIIII'II'I111111rrllllll'rll-I'lll'lI-11111111'llll EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. • Get the growth and convenience of saving money online • FDIC deposit insurance increased to $250,000 (through 12/31/13) • Convenient 24/7 account access MEMBER CAW 1,p. FDIC, www.capitalonedirect.com 500300 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $20,767.54 )- $250.00 + $41.05 +i $0.00 l=( $20,558.59 ) $246 00 Aug. 13, 2009 J Jun. 14, 2009 -Jul. 13, 2009 Page 1 of 1 Visa Platinum Account 4003.44704M96.5895 Your Account Information ? NWARDS' TOTAL CREDIT LINE ,$30,000.00 TOTAL AVAILABLECREDIT $9,441.41 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $9,441.41 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,478.78 0.01342%0 A.901% $14.01 Cash $0.00 0.04055% 0 14.80% $0.00 SpecialTrans $17,300.42 0.00521% 1.901% $27.04 ANNUAL PERCENTAGE RATE applied this period: 2.37% ; Q At Your service • Go io xww.cm8abne.eom to manage your account, or Cat 14800-955.7070 to report a bst or slobn axd or speak to Customer Rebdons 0 Pay Online at wwwsilia abne.com or mad your payment to: Cepiral One Bank (USA), N.A. • P. D. Box 71083, Charbtle, NC 28272-1083 A Send Inquiries to: Captal One• P.O. Box 30285 • Sal Lake C7ry UT 9, 41 00285 ® Manage your Rewards online by visiting or (st 1 011-229-3001 ® Have a question about a charge on your statement? Please refer to the Biting Rights Summary on the back of your statement or visit www.caj)italone.com/d`sputes PLEASE PAY AT LEAST THIS AMOUNT Rewards Summa Previous available balance: -1,222 Earned [his period: 0 (ref acts transectime posted during this billing cycla) Available Balance 1,222 Payments, Credits dr Adlustments 1 13 JUL CAPITAL ONE ONLINE PYMT AuthDate 13-J UL $250.00- Want a smarter way to save your money? At Capital One Direct Banking, our accounts are online - so we pass the savings on to you with higher interest than traditional branch banks. And all of our savings options are backed by the security of FDIC Insurance. Learn more at capitelonedirect.com. PLEASE RETURN PORTK)N BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 13 0000000250000246001 cloba- Account Number. 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed Aug 13 2009) l $20,558.59 l $246.00 - - _J ---?? -- - PLEASE PAY AT LEAST THIS AMOUNT #9019566727023814# DANIEL L KREHLING 115 END ST ENOLA, PA 17025-3204 IIIit t141r'rII.IIII I 11111111 1111 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. ID Pay online anytime-no more checks, stamps or clatter. © Moving? Change your address online or on the back. ® Help save the planet---Go paperless. ® Sign up at v-v.capitalone.com. Capital One Bank (USA), N.A. P.O. 80x 71083 Charlotte, NC 28272-1083 IIIIIIIrIIIrrIIIII'II'IIII IIIr-IIIIIIrrll'I'lll'll"IIIIIIII-IIII EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Why open a Direct Banking account? Because it's online, we offer higher rates than traditional branch banks do on many accounts. 500008 what's in your wallet? It could happen to anyone. Make sure you pay the amount DANIEL L KREHLING due on your statement as soon as possible. WHOOPS Keeping your credit in good standing can a do a lot more than you think. ' GOOD CREDIT =GOOD CREDIT REFERENCES 1 You"re behind BETTER INTEREST RATES (good credit could mean lower interest rates) 1 paymentre: IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 0 2009 Capital Our. Capital One is a federally registered service mark. AU nghts Peiened FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $20,558.59 J-l $0.00 + $42.10 )+( $39.00 = $20,639.69 $533.00 Sep. 14, 2009 l ---- ----...._..__._.__ i l Jul. 14, 2009 - Aug. 13, 2009 Page 1 of 1 Visa Platinum Account 4003.4470-068&5895 ?? Hmsde J Your Account Information 2 ? REWARDT TOTAL CREDIT LINE $30,000.00 TOTAL AVAI LABLE CREDIT $9,360.31 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $9,360.31 PLEASE PAY AT LUST THIS AMOUNT You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. Rewards Summarv Previous available balance: 1,222 Earned this period. 0 (reflects transactions posted during this biting cycle) Available Balance: 1,222 Payments. Credits & Adiustments Transactions 1 13 AUG PAST DUE FEE $39.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,460.34 0.01342% 0 4.90% $14.48 Cash $0.00 0.04055% 0 14.80% $0.00 SpecialTrans $17,100.26 0.00521% 1.9D% $27.62 ANNUAL PERCENTAGE RATE appNed this period: 2.45% ---- - ---............... -- - - ----- Q At Your Service - Go to ww"Wtebne.com to manage your account, a Cal 1-800-955.7010 to report a bell or stolen card or speak lo Customer Relations 0 Pay Online at%werc re.com or mail your payment to: Capital One Bade (USA), N.A. • P.O. Box 71083 - Charlotte, NO 28272-1083 A Send Inquiries to: Capital Or& P.O. Box 30285 • Sat Lake Cry UT 8, 41 00285 ® Manage your Rewards online by visiting alone cornJuibsrawriR or Cal 1.800.228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.cal)italor*.com/cisputes You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow of least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 13 0000000250000533003 CW Account Number: 4003-4470-0686-5895 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed _.__ Manage your account online today- Sep 14 2009 1 $20,639.69 1 $533.00 it's fast, easy and secure. _._ \- - -_................. -_,i \.....___ `__------ -__........ __,. 18 Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THISAMOUNT © Moving? Change your address online or on the back. ® Help save the planet --Go paperless. #9022666727023817# 0 Sign up at www.capitalone.com. DANIEL L KREHLING 115 2ND ST Capital One Bank (USA), N. A. ENOLA, PA 17025-3204 P.O. Bax 71063 Charlotte, NC 26272-1063 IIIIII'rrll'llllllllllll'III'Illlllllpl'Illllrll'Illrlllrlllllll Ill II ' r l l III,r I I ' I I I II Il r I ' llll Ihl I r ' ll ' III' I"IIIIIIII'lld EXHIBIT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. 500008 rh+Ys in yo°e_°„a0 It could happen to anyone. Make sure you pay the amount DANIEL L KREHLING due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS M do a lot more than you think. GOOD CREDIT= GOOD CREDIT REFERENCES You"re behind BETTER INTEREST RATES t payment. (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 0 2009 Capital One. Capital One m a fiderally regurered remice mark. All rights reserved. FINANCE Previous Balance Payments & Credits CHARGETransactions New Balance Minimum Payment Due Date $20,639.69 - $246.00 + $43.15 +( $39.00 1= $20,475.84 $573.00 j Oct. 13, 20091 Aug. 14, 2009 - Sep. 14, 2009 Page 1 of 1 __-._._.......PLEASE PAY AT LEAST THIS AMOUNT Visa Platinum Account 4003.4170-0688.5895 ?. J Your Account Information C RIWARDif TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $9,524.16 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $9,524.16 , ................ ------ - ..__..._...... ..--------- -? Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding RNANCE applied to rate APR CHARGE Purchases $3,466.45 0.01342% 0 4.9D% $14.89 Cash $0.00 0.04055% D 14.80% $0.00 SpecialTrans $16,948.82 0.00521% 1.9D% $28.26 ANNUAL PERCENTAGE RATE applied this period: 2.54% Q At Your Service - Go to wwacaonabrimoom to manage your axa,m, a Cat 1-800-9557070 to report a lest or stolen card or speak to Customer Realms 0 Pay Online at ?caoitabneoom or mat your payment to: Capital One Be* (USA), N .A. • P.O. Box 71083 • Charble, NO 28272-1083 e Send Inquiries to: Capital One, P.O. Box 30285 - Sal Lake city, UT 84130.0285 ® Manage your Rewards online by visiting aces 1-000-zze-3aot ® Have a question about a charge on your statement? Please refer to the Biling Rights Summary on the back of your statement or visit www.caoitalme.com/dismt- You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. Rewards Summarv Previous available balance: 1,222 Earned this period: 0 (reflects transactions poskd during this bring rich) Available Balance: 1,222 Payments, Credits & Adiustrrlents 1 14 AUG CAPITAL ONE ONLINE PYMT AuthDate 14-A UG $246.00- Transactions 2 14 SEP PAST DUE FEE $39.00 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Important change to your Rewards travel redemptions beginning February 2010: A (looking fee may apply when you call our Rewards Center to book travel using your rewards. However, you can still )look travel online for free at www.captalone.oom. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrTA10NE.COM TO MAKE YOUR PAYMENT 0NUNE. 1 4003447006865895 13 0000000246000573001 Accou nt Number: 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed -- - 1 Oct. 13, 2009 $20,475.84 $573.00 PLEASE PAY AT LEAST THIS AMOUNT #9025866727023810# DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 Ill., rllrlrrlrllrrlr111111"III'1111'1"I'IWh-11111 4-1-1111 GO GREEN. SAVE GREEN! cw$ P ay online and save money on stamps. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P•O. Box 71D83 Charlotte, NC 26272-1083 1111111'111"11111'II'1111111r'111111"11'1'111'11"I1111111'IIII EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A, and mail with this coupon in the enclosed envelope, 500008 what's in your warret2 It could happen to anyone. Make sure you pay the amount DANIEL L KREHLING due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT= GOOD CREDIT REFERENCES You"re behind BETTER INTEREST RATES (good credit could mean lower interest rates) by I payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 0 2009 Capital One. Capital One is a federally registered ien4ce mark. Allrights reseer,erL FINANCE Previous Balance Payments & Credits CHARGE ____ Transactions New Balance Minimum Payment Due Date -- $20,475 84 1-1 $287.00 + l $38.98 +( $39.00 4 $20,266.82 $566.00 Nov. 13, 2009 Sep. 15, 2009 - Oct. 13, 2009 Page 1 of 1 Visa Platinum Account 4003.4470-0999.5995 H Your Account Information Ittsw ARDV TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $9,733.18 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $9,733.18 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,484.54 0.01342% D 4.90% $13.56 Cash $0.00 0.04055% D 14.80% $0.00 SpecialTrans $15,823.42 0.00521% 1.901% $25.42 ANNUAL PERCENTAGE RATE applied this period: 2.30% PLEASE PAY AT LEASE THIS AMOUNT You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. Rewards Summa Previous available balance. 1,712 Earned this period: 0 (reflects transactions posted during this brag cKL) Available Balance. 1,712 Payments, Credits & Adiustments 1 25 SEP ELECTRONIC PAYMENT $287.00. Transactions 2 13 OCT PAST DUE FEE $39.C0 © At Your Service - Go to www.omitabne.oom to manage your account, You were assessed a past due fee because your minimum payment was not received by the due date. To a Cal 14W-955-1010 to report a W or stolen Gerd or speak to Customer avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum Relations payment to reach Capital One. ® Pay Online at wwwcapitabne oom or mail your payment to: Capital One Bark (USA), N.A. - P. 0. Box 71083 • Cherbue, NC 28272-1083 A Send Inquiries to: Caplal One• P.O. W00285- Sal Lake City, UT 84130.0285 ® Manage your Rewards online by visiting a Cal 1800.228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.canitalone.comldisputes PLEASE RETURN PORTKIN BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number: 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed Nov. 13, 2009, $20,266.82 ) ( $566.00 PLEASE PAYAT LEAST THIS AMOUNT 1 4003447006865895 13 0000000287000566000 #9028766727023819# DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 IIIrIIrIrIIIIIrII I IIIIIIIIIIIIrIII111HIIII-IhrllllrrIII[IIilI BE SAFE! Your trash could be an identity thiefs . gold. Manage your account online and end the paper trail. I Sign up at www.c.apitalone.com Capital OnciBank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1063 Illllllrlllrr111ll-II'IIIIIIIrrIIIIII'-II-I-Illrllr-IIIIIIII-IIII EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 500008 what's in your wallet? It could happen to anyone. Make sure you pay the amount DANIEL L KREHLING due on your statement as soon as possible. WHOOPS Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES You"re behind BETTER INTEREST RATES b (good credit could mean lower interest rates) y I payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 0 2009 Capital One. Capital One m a federally registered ren4ce mark. All rights reserved. FINANCE Previous Balance Payments 6 Credits CHARGE ..__._ Transactions New Balance Minimum Payment Due Date --------- ,- - - _...-----? $20,266.82 - $325.00 + $49.06 + $39.00 = $20,029.88 $529.00 Dec. 14, 2009 ---- ..... ..... Oct. 14, 2009 - Nov. 19, 2009 Page 1 of 1 Visa Platinum Account 4003.4470-06884895 ?? Your Account Information NWARDT TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $9,970.12 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $9,970.12 Finance Charges (Please see reverse for important information) Balance rate Periodic Correspondirg FINANCE applied to rate APR CHARGE Purchases $3,473.80 0.01342% 0 4.90% $17.25 Cash $0.00 0.04055% D 14.80% $0.00 SpecialTrans $16,499.14 0.00521% 1.901% $31.81 ANNUAL PERCENTAGE RATE applied this period: 2.95% Q At Your Service • Go io wiwvowWbne.com to manage your account, or Cat 1.800-955.7070 to report a bell or stobn card or speak to Customer Relations PLEASE PAY AT (FAST THIS AMOUNT You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. IMPORTANT INFORMATION ABOUT YOUR GRACE PERIOD: If you pay your balance in full every month by your due date, you will enjoy an interest-Bee grace period of 25 days on new purchases. Paying by your due date also helps you avoid late fees. Please see the back of your statement for more details and thank you for your business. Rewards Summary Previous available balance- 1,712 Earned this period: 0 (ralbcts transactions posted during this biting orb) Available Balance 1,222 Payments, Credits & Adjustments 1 13 OCT LATE PAYMENT FEE ADJUSTME NT $39.00- 2 14 0CT CAPITAL ONE ONLINE PYMT AuthDate 13-0 CT $286.00- Transactions 3 13 NOV PAST DUE FEE $39.00 0 Pay Online at w mail your payment to: Capital One Bank (USA), N.A. • P.O. Box 71063 • Chabde, NO 28272-1083 You were assessed a past due fee because your minimum payment was not received by the due date. To A Send Inquiries to: avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum Capital One• P.O. Box 30285 • Sal Lake City, UT 84130.0285 payment to reach Capital One. ® Manage your Rewards online by visiting or Clt I=3W1 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.catatalone.oom/disputes PLEASE RETURN PORTION BELOW WrrH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number: 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed Dec. 14, 2009 $20,029.88 1 $529.00 ) D ---- __..._ 1--- - ......--.-- - - - - - ------- --' PLEASE PAY AT LEAST THIS AMOUNT 1 4003447006865895 19 0000000286000529007 #9032466727023810# DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 I I, IIIIr IiII IIII11 11'1111111111111111111111111111111111111111111 GO PAPERLESS! The trees will thank you. sign up at www,capitalone.com Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIIIr111rr1111I'11'lllllll11111111"II'1'lll'11"IIIIIIII'llll EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 500008 Capl11d - w8ai•ainyouewAllot? It could happen to anyone. Make sure you pay the amount DANIEL L KREHLING due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES You"re behind BETTER INTEREST RATES (good credit could mean lower interest rates) a payment. IMPROVED CHANCES To GET APPROVED FOR LOANS (when you want to buy a home or new car) 0 2009 Capital One. Capital One is a fiderally registered sen4ce mark. All rights resened. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $20,029.88 -? $280.00 + $39.66 1+ $39.00 _ $19,828.54 $525.00 ( Jan. 13, 2010 Nov. 20, 2009 - Dec. 19, 2009 Page 1 of 1 Visa Platinum Account 40034470-0888.5895 Your Account Information ? "WARDS, TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $10,171.46 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $10,171.46 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $3,528.93 0.01342%0 4.9096 $14.21 Cash $0.00 0.04055% D 14.80% $0.00 SpecialTrans $16,285.41 0.00521% 1.90% $25.45 ANNUAL PERCENTAGE RATE applied this period: 2.40% Q At Your Service - Go to www.owdebne.oom to manage your account, Or Cat 1-000.955.7010 to report a lost or stolen card or speak In Customer Relations ® Pay Online at www.cautabne.com w mad your payment lo: Capital One Bank (USA), N.A. - P.O. Box 71083 - Charlotte, NC 28272-1083 A Send Inquiries to: Capital One- P.O. Box 30265 • Sal Lake (Sty, UT 84130-0285 ® Manage your Rewards online by visiting or.- 1AW-228.3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalone.com/disr)ulm PLEASE PAY AT t AST THIS AMOUNT Ycu're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. Rewards Summa Previous available balance: 1,222 Earned this period: 0 (redacts Iransect ons posted during this ding cycp) Available Balance: 1,222 Payments. Credits & Adjustments 1 24 NOV DIRECT DEBIT PAYMENT $280.00- Transactions 2 14 DEC PAST DUE FEE $39.00 You were assessed a past due fee because your minmu n payment was not received by the due date. To avoid this fee in the future, we recommend that you slow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number. 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed Jan. 13, 20101 $19,828.54 } $525.00 - --..._-.. _ ... _...... ? -- --- --- PLEASE PAY AT LEASr --------------` THIS AMOU NT 1 4003447006865895 19 0000000280000525007 #9035466727023817# DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 Ilurirlrnlllhlnlrlllllllrrlullllrllrrhllgrlllnlnlrllln ORGANIZATION MADE EASY. Forget the filing. Manage your account online and simplify your life. Sign up at www.capitainne.com Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIII.III?rIIIIIrtI-IIIIIII„IIIIIIr?II I?IIIrII??IIIlllll?llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A Capi __-Z what's (n your waf W LET'S TALK - WE'RE HERE TO HELP. 5000179 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital Ones we're here to help you keep your credit on track. Give us a call, Here are 3 easy ways to make a payment: • Give one of our associates a call at 1,800.955.6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. 2009 Capital One. C.apltal One is a fedrrally rec stered semire mark. All rights reserved. FINANCE Previous Balance Payments & Credits CHARGE _ Transactions New Balance Minimum Payment Due Date $19,828.54 )-? $50.00 + ( $41 16 )+L $39.00 $19,858.70 ) ( $753.00 I Feb. 13, 2010 --- ----- Dec. 20, 2009 -Jan. 19, 2010 Page 1 of 1 PLEASE DAY AT IEIST THIS AYn11NT Visa Platinum Account 4003.44704890.5595 A Your Account Information Q Y TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $10,141.30 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $10,141.30 j finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding RHANCE applied to rate APR CHARGE Purchases $3,563.54 0.01342% 0 4.9D% $14.91 Cash $0.00 0.04055%0 1A.80% $0.00 SpecialTrans $16,251.51 0.00521% 1.90% $26.25 ANNUAL PERCENTAGE RATE applied this period: 2.49% Q At Your Service • Go to www.cambne.oom to manage your amount, or Cat 1400.955.7070 to report a lost a stolen card or speak to Customer Relations ® Pay Online at a mail your payment to: Capital One Bank (USA), N.A. • P.O. Box 71083 • charlotte, NO 28272-1083 A Send Inquiries to: Capital Ow P.O. Box 30285 • Sat Lake City, UT 84130-0285 Alft Manage your Rewards online by visiting a far 14 0-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary an the back of your statement or visit www.capitolone.com/dsputes You're behind by two payments. Let's talc. If you're having financial difficulties and can't make your minimum payment -we want to help. Let's work together to find a solution. 'Renewal Notice - See both sides of the first page of this statement for important renewal information related to your account. Rewards Summarv Previous available balance: 1,722 Earned this period: 0 (rellacts transactions posted during this biing vich) Available Balance 1,722 Payments, Credits 8 Adiustments 1 06 JAN DIRECT DEBIT PAYMENT $50,00_ Transactions 2 13 JAN PAST DUE FEE $39.00 You were assessed a past due fee because your minimum payment was not received by the due dale. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 19 0000000050000753008 Account Number: 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed Feb 13 2010 1 $19,858.70 ) DID J PLEASE PAY AT LEAST THIS AMOUNT #9002066727023814# DANIEL L KREHLING 335 2ND ST ENOLA, PA 17025-3204 llllllllllrllllllll"'11111'Illlrll"I'I"II11111'Illll"' PAPERLESS STATEMENTS Stop waiting for the mailman. View up to 13 months of statements anytime-online. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 28272-1083 1111111'III"11111'11'1111111,'111111"11'1'111'11"IIIIIIII'llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A DANIEL L KREHLING C?- w/raYs Jn your wallet? MAKE A PAYMENT. AND TAKE CONTROL 5010 OF YOUR CREDIT WITH CAPITAL ONE® Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our f gg check by phone service or speak to an associate by calling 1.800.955.6600. OL 2009 Capital One. Capital One is a federally registered srn+ire ?nark. All rights reserved Page 1 of 2 14KO.955.7070 www.capitalone.com Jan. 20 Feb.19 2010 31 Days m BrOing Cyd LATE PAYMENT WARNING: If vie do not receive your minimum payment by your due date VISA PLATINUM XXXX-XXXX-XXXX-5895 you ma N- topayaS39.00Ietefee. NEW BALANCE MINIMUM PAYMENT DUE DATE $19,889.06 $982.00 Mar 16, 2010 PLEASE PAY AT LEAST THI5 AMOUNT Credit limit: $30,000.00 Cash Credit Limit.. 515,000.00 Available Credit: 510,110.94 Available Credit for Cash: $10,110.94 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance l 1 f, - S 19 ,858 70 $50.00 J {• $80.36 + $0.00 j $19,889.06 J You're behind by three payments. But you can bring your account current by paying the minimum payment amount on your statement, ff you're having financial difficulties and you're teeling overwhelmed - we want to help. Give one of our associates a call at 1.800.955.6600. Youth be surprised what we can do together to work this out. CTRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR DANIEL L KREHLING #5895 1 12 FEB DIRECT DEBIT PAYMENT ($50.001 FEES 1 13 FEB PAST DUE FEE Total Fees This Period Total Fees This Year INTEREST CHARGED INTEREST CHARGE: PURCHASES INTEREST CHARGE:SPECIAL TRANS Total Interest This Period Total Interest This Year Transactions continue on page 2 539.00 S39.00 578.00 $15.13 $26.23 $41.36 $82.52 Account Number: 4003-4470.0686-5895 Due Date New Balance Minimum Payment Amount Enclosed ( Mar 16 20 10 $19,889.06 $982.00 PLEASE PAY AT LEAST THIS AMOUNT DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 Ill "Ill 1-1111 1111-111 Ill 1 11 11 Help is Available. Just pick up the phone. Call 1.800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 4.90%D $3,637.56 $15.13 Cash 14.80% D $0.00 I $0.00 Speciasrans 1.90% $16,237.42 $26.23 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 19 0000000050000982001 Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information AQ Manage your account in privacy Capital One Bank (USA), N.A. P.0• Box 71063 Charlotte, NC 26272-1083 II III IIIIIh-11 IIrIIrIIIIIIIrrlllIllrlll?IrIIIrIIrrIIIIIIIIIIIII Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. E HIBIT A DANIEL L KREHLING I 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.cap'ltalone.com C Page 2 of 2 14100.955.7070 www.capitalone.com - -- Jan. 20 Feb. 19, 2010 - - 31 Days in Billing Cycle Credit limit: $30,000.00 VISA PLATINUM 100(X-XXXX-XXXX-5895 Available Credit: $10,110.94 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash credit Limit: 535,000.00 $19,889.06 $982.00 Mar 16, 2010 Available Credit for Cash: $10,110.94 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - -- r - - l ( -- -- - -- S19,858.70 - r $50.00 + 1 I $80.36 + l $0.00 / $19,889.06 ---- ---- - - (TRANSACTIONS CONTINUED You were assessed a past due fee bemuse your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. i i i EXHIBIT A f W Log in to Rewards at www.capitalone.COM soon, Page I of 2 14IM955-7070 www.capitalone.com Feb.20-Mar.19,2010 28 Days in Billing Cyd,] I - - ----- . . . . . .. ....... -- - . . . .. ........... . - , MINIMUM PAYMENT WARNING: If you make onl the minimum a ment each eriod o y p y p , y u "'If pay moremunterest and it will take you longer to pay off your balance. For example: VISA PLATINUM XXXX-XXXX-XXXX-5895 PaymmiTtAirrount Each Period IfNo AppriudmateTimetoPayOff Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Ackfilioul Charges Are Made statement Balance Total Cost $24,089.50 $290.00 Apr 16, 201 Minimum Payment 35 Years 1,773.33 $707.31 3 yean; $25,463.19 PLEASE PAY AT LEAST T"IS AMDUM Your estimated savings If you pay off this balance in 3 years: $16,310.14 Credit Limit: $30,000.00 Cash Credit Limit: 515,000.00 If you vvould Ike Information about credit counseling services, call 1.888-326-8055. Available Credit: S5,911.50 Available Credit for Cash: $ 5, 911 50 LATE PAYMENT WARNING: if %ve do not receive your minimum Payment byyour due date, . .......... . you may have to pay a S39.00 late fee. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Ra Sig '889.06 + 7.00 F- S 24,08 + . . .... ...... ....... . - ----- PAYMENTS, CREDITS &ADJUSTMENTS FOR DANIEL L KREHLING #5895 1 02 NIAR CAPITAL ONE ONLINE PYIATAuthDate, 02-NIAR ($982.00) TRANSACTIONS FOR DANIEL L KREHLING #S89S 1 05 MAR COMCAST OF CENTRAL PA8DD-COMCASTPA $536.66 2 05 MAR ELECTRONIC TRANSFERAMERICAN EXPRESS $120.00 3 05 MAR ELECTRONIC TRANSFERCITIZENS BANK CARDSE $803.34 4 CS MAR ELECTRONIC TRANSFERPNC BANK 51,088.00 5 05 MAR ELECTRONIC TRANSFERSAWSCLUB DISCOVER G $800.00 6 05 MAR ELECTRONIC TRANSFERHOME DEPOT CREDIT SER $239.00 7 11 MAR CBPAIHARRISBURG MAFLARRISBURGPA S1,500.00 1111- Total Transactions This Period $5,087.00 FEES 1 12 MAR CASH FRONT END FEE Total Fees This Period Total Fees This Year Transactions continue on page 2 (ALEWARIE KA 14?9 RUM (* I PREVIOUS AVAILABLE RRIARDS BALANCE 1,22Z REWARDS EARNED THIS PERIOD 537 (refleds transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 03/19,12010 1,759 For up-to-date rewards tracking,visit www.capitaloneoDrrVmilesrewards or simply ( Abil"llmsile rawardir call 1.800-228-3001 Z INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. 545.00 Type of Balance Annual Percentage Balance Subject to Interest Charge S45.00 Rarte 1APR) Interest Rate $123.00 Purchases 4.90% D $5,605.64 $21.06 Cash 14.80% D $495.79 $5.63 SpeciaITfans 1.90% $15,593.04 $22.75 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 19 0000000982000290001 CAW W- Account Number: 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed Apr 16,2010 $24,088.50 C$290.00 PLEASE PAY AT LEAST THISAMOUNT DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 1 111 1 11 1111111111111111111111-11,11 GO GREEN. 1AVE GREEN! Pay online and save money on stamps. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P-:rIBoX,a71063 Ch ott NC 28272-1083 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A You asked. We listened. We're making your experience with us even better. We took the great ideas you and other customers gave us and used them to improve our Rewards website. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com - ..-.- Page 2 of 2 14800.955.7070 www.capitalone.com Feb 20 Mar. 19, 2010 28 Days in Billing Cyde 000.00 VISA PLATINUM XXXX-XXXX-XXXX-5895 Credit UmB: 530,000.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Available Credit: $5,911.50 Cash Credit Limit: $15,000.00 $24,088.50 $290.00 Apr 16, 2010 Available Credit for Cash: 55,911.50 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance --- - --l r --- -- -- ---__ . 519,889.06 - - $982.00 J } - 594.44 - -? } 55 087 00-- - - J ?\ 524 088.50 ,. ..... ..... ..._.. _.. _- ? '`TRANSACTIONS CONTINUED INTEREST CHARGED INTERESTCHARGEPURCHASES 571.06 INTEREST CHARGE:CASH $5.63 INTEREST CHARGE:SPECIAL TRANS 522.75'. Total Interest This Period 549.44 Total Interest This Year $131.96 EXHIBIT A 1 500008 wrra'•aie your" Her? It could happen to anyone. Make sure you pay the amount DANIEL L KREHLING due on your statement as soon as possible. Keeping your credit in good standing can WHOOP! do a lot more than you think. GOOD CREDIT= GOOD CREDIT REFERENCES iind BETTER INTEREST RATES (good credit could mean lower interest rates) zInt. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 0 2009 C-.apiral One. Capital One ii a fidcrally reorered jenice mark. All rights resemel. Page 1 of 2 1-MO-955.7070 11 www.capitalone.com Mar. 20 Apr. 19 2010 31 Days in Billing Cycle) MINIMUM PAYMENT WARNING: If you make onl the minimum a ment each eriod VISA PLATINUM X)O X-XXXX-XXXX-5895 y p y p , you will pay more in interest and it will take you longer to pay off your balance. For example: PaymerrtAmount Each Period If No Apprwdmate Tirne to Pry OH Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $24,558.92 $550.00 May 16, 2010 Minimum Payment 35 Years r 542,452.55 $721.44 3 Years I $25,971.85 PLEASE PAY AT LEA5T THIS AMOUM Your estimated savings Y you pay off this balance in 3 years: $16,480.70 Credit limit: $30,000.00 Cash Credit Limit; 515,000.00 ? If you ssould like information abart credit counseling services, call 1.588-326-8055. 1 Available Credit: 55,441.08 Available Credit for Cash: $5,441.08 LATE PAYMENT WARNING: 0 Yoe do not receive your minimum payment by your due date, •._.--_--_-------- ..______ .__...... ----------.....__ _ you may have to pay a 539.00 late fee. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance -- -- 524,088.50 1 _ I $D 00 J + 5114.66 1 } f $355_76 i/ $24,558.92 - You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current, cTRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR DANIEL L KREHLING #5895 TRANSACTIONS FOR DANIEL L KREHLING #5895 1 30 MAR GMC'GOODVILLE MUTUAL717-354-4921 PA $212,00 2 30 MAR NMG'GARDENING CLUB PRODSM3248454MN 530.78 3 30 MAR NMG'GARDENING CLUB PROD800-3248454MN $112.98 1111- Total Transactions This Period $355.76 FEES 1 16APR PAST DUE FEE S39.00 Total Fees This Period 539.00 Total Fees This Year $162.00 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rape Purchases 4.90% D E7,544.69 $31.39 Cash 14.80% D $1,560.10 $19.61 SpecialTrans 1.90% $15,266.51 $24.66 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 19 0000000982000650005 Account Number: 4003.4470-0686.5895 Due Date New Balance Minimum Payment Amount Enclosed - - - May 16 2010 $24,558.92 $650.00 PLEASE PAY AT LEAST THIS AMOUNT DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 Illllllllrlrlllllrllrllllrllllrlllllrlllllrrrllrlllllll•Ilrllllll Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information Manage your account in privacy Capital One Bank (USA), N.A. P•0• Box 71063 Charlotte, NC 26272-1083 Illllllrlllrrlllllrllrllllllliillllllrrllrlilllrllrrlllllllllllll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A s Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Cam' Page 2 of 2 14I00.955.7070 www.capitalone.com Mar 20 Apr 19 2010 31 Days m erUing Cyde _......_....... - ---....._._.._.... ---- VISA PLATINUM XXXX•XXXX-XXXX-5895 Credit Limit: $30,000.00 Available Credit: 55,441.08 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limit: 115,000.00 $24,558.92 $650.00 May 16, 0_ j Available Credit for Cash: $5,441.08 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance -- - , S24,088.50 - $0,00 + 5114.66 { 5355 7 j = S24,558.92 TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGETURCHASES 531.39 INTEREST CHARGE:CASH 519.61 INTEREST CHARGE:SPECIAL TRANS 524.66 Total Interest This Period 575.66 Total Interest This Year $207.62 You were assessed a past due fee because your minimum payment was rat received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum pavment to reach Capital One. EXHIBIT A 10 Open an InterestPlus Online Savings account today. 500403 Get Palmd. Twoice. • One of the highest • 10% quarterly bonus • No fees IF4 savings rates on interest earned 10 open your account at capita lonedirect.com/save4 Page 1 of 2 1.800.955.7070 www.capitalone.com Apr. 20 May. 19, 2010 30 Days in 'Ping Cycle [-_ . . ...... . .... . - . . . . . .. . ........... ... . . . - ------ MINIMUM PAYMENT WARNING: If ou make onl the minimum ment each a eri d y y p y p o , you will pay more in interest and it will take you longer to pay off your balance. For example: 7VISAPL ATINUM 700(X-XXXX-XXXX-5895 ? Payment Amount Each Period If No Appradmate Time to Pay Off Estimated ANCE MINIMUM PAYMENT DUE DATE Additional Charges Am Made 5tatemantBalance Total Cost $23,982.25 $313.00 Jun 16, 2010 Minimum Payment 35 Years 541,779.30 $705.10 3Years $25,383.77 PLEASE PAY AT (EAST THIS AMOUNT Your estimated savings tF you pay off this balance in 3 years: $16,395.58 Credit Limit: $30,000.00 Cash Credit limit: 515,000.00 If you would like information about credit counseling services, call I-888-326-8055. Available Credit: 56,017.15 Available Credit for Cash: $6,017.75 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date `-- you may have to pay a 539.00 late tee. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance _.. --- S2455892 $650.00 1 4- $73.33 ' j J + ( $D.DO 423 9azzs - - ___ __ - - --- I __ ___ --- ____ _, . . . . . ....... ____ I ? TRA_NSA_CTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR DANIEL L KREHLING #5895 1 24 APR CAPITAL ONE ONLINE PYMTAuthDate 24-APR ($650.00) FEES Total Fees This Period $0.00 Total Fees This Year $162.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $31.10 INTEREST CHARGE:CASH $19.21 INTEREST CHARGE:SPECaL TRANS $23.02 Total Interest This Period $73.33 Total Interest This Year 5280.95 i Please note that in your newly revised Customer Agreement, issued in early 2010, the Arbitration Agreement has been removed. REWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE 1,759 '.. REWARDS EARNED THIS PERIOD 0 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 05,11912010 1,759 For up-to-date rewards tracldng, visit www.capitalone.comlmitesrewards Q?Nor}lass/e yeward, or simply call 14800.228-3001 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Irnerest Rate Purchases 4.90%D $7,724.71 $31.10 Cash 14.80%0 $1,579.50 $19.21 SpecialTrans 1.90% $14,726.92 $23.02 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW. CAPI TALON E. CO M TO MAKE YOUR PAYMENT ONLINE. Account Number: 4003-4470-0686.5895 Due Date New Balance Minimum Payment Amount Endosed Jun 16 2010 $23,982.25 $313.00 PLEASE PAY AT LEAST THIS AMOUNT DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 111,11-111.11-1-It11111111111r111111i111r,lllrlrllrrlrlllllllrl GO PAPERLESS[ The trees will thank you. Sign up at www.capitalone.com 400010 Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 Illllllrlllrrlllll'll'Illllllrrllllll"11'I'Ill'll"11111111'11II Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A 1 4003447006865895 19 0000000650000313005 j 500008 what's Ja your wallet? It could happen to anyone. Make sure you pay the amount DANIEL L KREHLING due on your statement as soon as possible. Keeping your credit in good standing can 7WHOOPS! do a lot more than you think. r 1 GOOD CREDIT = GOOD CREDIT REFERENCES N BETTER INTEREST RATES by I payment. (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 0 2009 Capital One. Capital One it a federally registered service mark. Ali rights rese-ed. Page 1 of 2 1.806955-7070 1 www.capitalone.com May 20 Jun.19 2010 31 Days in Billing Cycle 1 MINIMUM PAYMENT WARNING: If you make only the minimum a ment each eriod ou p y p , y Will pay more in interest and it YAN take you longer to pay off your balance. for example: VISA PLATINUM XXXX•XXXX-XXXX-5895 PaymentAmount Each Period If No Approximate Terse to Pry OH Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional charges Am Made statement Balance Tow cost $24,097.32 $669.00 Jul 16, 2010 Minimum Payment _ 35 Yeas 547,848 ---------._._...._- 5709 3 Years $25,510 PEASE PAY AT LEAST THIS AMOUNT Your estimated savings I you pay off this balance in 3 years: $16,335 Credit Limit: 530,000.00 Cash Credit Limit: S1 5,0D0,00 If you would like information about credit counseling services, call 1-888.326-8055. Available Credit: 55,902.68 Available Credit for Cash: $5,902.68 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, _.._------ -...._..._.--_-___-..-----___---. .. youmayhawtopaya539.00latefee. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - 1 r j 523 982 15 _l $0.00 J } 5115,07-- - - -? } -- -50.00 $24,097.32 _-? You're behind by one payment Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. `TRANSACTIONS _ - PAYMENTS, CREDITS & ADJUSTMENTS FOR DANIEL L KREHLING #5895 FEES 1 161UN PAST DUE FEE 539,00 Total Fees This Period 539.00 Total Fees This Year 5201.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $32.29 INTEREST CHARGE:CASH $10.10 INTEREST CHARGE:SPECIAL TRANS $23.68 Total Interest This Period $76.07 Total Interest This Year S3S7.02 Transactions continue on page 2 Account Number: 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed Jul 16 2010 $24,097.32 $669.00 - - - -- - ---- ....... -- PLEASE PAY AT LEAST THIS AMOUNT DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 Ihlhll?l11411111hmrIIIIIIPr?lhrl?P^?nlllrhrlllrl?y Take advantage. Take control. Manage your account online at 1Arww.capitalone.com Make payments Review account information A;a Manage your account in privacy 400006 Capital One Bank (USA), N.A. P•0• Box 71083 Charlotte, NC 28272-1083 nlllllrlnrruhlrhrhlhllrrllnlrrllrlrlllrllrrlllllhlrlul EXHIBIT A Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 4.90%D $7,761.54 $32.29 Cash 14.80%D $1,599.16 $20.10 Special Trans 1.90% $14,663.71 $23.68 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 1 4003447006865895 19 0000000650000669005 Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Page 2 of 2 14IM955.7070 l www.caphalone.com May 20 Jun 19,201 0 31 Days in Billing Cyde .._..._..._. . VISA PLATINUM XXXX-XXXX-XXXX-5895 Credit Limit: $30,000.00 Available Credit: 55,902.68 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limit: St 5,00o.oo $24,097.32 $669,00 Jul 16, 2010 Available Credit for Cash: $5,902.68 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance -- 523,982 25 } S11507 -J + $0,00- $24 097.32 TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, vie recommend that you allow at least 7 business days for your minimum payment to reach Capital One. ]EXHIBIT A 500009 LET'S TALK - WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One," we're here to help you keep your credit on track. Give us a call, Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. CFO 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. Page 1 of 2 1.800.955.7070 1 www.capitalone.com Jun 20 Jul 19 2010 30 Days m Bdfing CydeJ MINIMUM PAYMENT WARNING: It you make only the minimum payment each period, you will pay more in interest and it will lake you longer to pay off your balance. For example: VISA PLATINUM XXXX-XXXX•XXXX-5895 Payment Amount Each Period If No Approximate Time to Pry ON Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total cost ......_.. ---- ------- . $24,210.51 $1,024,00 Aug 16, 2010 Minimum Payment i 35 Years l 341,888 If you would like information about credit counseling services, call 1-888325-8055. PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: It we do not receive your minimum payment by your due dale, Credit Limit: $30,000.00 Cash Credit limit: 515,000.00 you may have to pay a 539.00 late fee. Available Credit: 55,789.49 Available Credit for Cash: $5,789.49 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 524,09732 - $0.00 - _? t 5113.19----j j + $0.00 - $24,210.51 _...... _- You're behind by two payments. Let's talk. If you're having financial difficulties and can't make your minimum payment - we warlt to help. let's work together to find a solution. TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR DANIEL L KREHLING #5895 FEES 1 16 JUL PAST DUE FEE 539.00 Total Fees This Period 539,00 Total Fees This Year $240.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $31.53 INTEREST CHARGE:CASH $19.70 INTEREST CHARGE SPECIAL TRANS $22.96 Total Interest This Period $74.19 Total Interest This Year 5431.21 Help is Available. Just pick up the phone. Call 1-800-95S-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Transactions continue on page 2 Account Number: 4003.4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed Aug 16,201 0 l $24,210.51 _ - $1,024.00 ) J ?------------- ..._._ PLEASE PAY AT LEAST THIS AMOUNT DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 1•1 1 1'1"Ill•III'I1111111111,11111-11111"1III- 11111111111-1Ill. Purchases 4.90% D $7,832.50 $31.53 Cash 14.80% D $1,619.04 $19.70 SpecialTrans 1.90% $14,686.86 $22.96 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 19 0000000650001024003 Take advantage. Take control. Manage your account online at uvww.capitalone.com Make payments Review account information AQ Manage your account in privacy 400006 Capital One Bank (USA), N.A. P•0• Box 73063 Charlotte, NC 26272-1083 111111''lilt'11111'11r1111"'''IIIlllrrllrlrlllr'Irrlll11111'Illl EXHIBIT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. • In your wallet? DANIEL L KREHLING Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements Pay your bill online Sign up at: www.capitalone.com G TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was not received by the due date, To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Page 2 of 2 14Od955.7070 - - - -- 11 www.capitalone.com - Jun 20 Jul 19 2010 30 Days in Billing Cycle] - ---...- - --......__... VISA PLATINUM XXXX-XXXX-)DM-5895 Credit Limit: $30,000.00 Available Credit: $5,789.49 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limb: $15,000.00 $24,21051 $1,024.00 Aug 16, 2010 Available Credit for Cash: $5,789.49 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 524,09 4 J 5113.19 } } 1 50 00 l ? $24 210 51 .... - J ._-.. - -- -- -- - l J - . ---- J `-- -- , . ---J E'--H--BIT A • Cr?. wltaYs In your wallet? MAKE A PAYMENT. AND TAKE CONTROL 500010 OF YOUR CREDIT WITH CAPITAL ONV Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 2009 Capital One. Capital One it a federally registered srrracr mark. A41 rights reserved Page 1 of 2 1.800.955.7070 www.capitalorni -- Jul 20 Aug.19 2010 31 Days in Billing Cycle ------------ . . . ....... _.] MINIMUM PAYMENT WARNING: If you make only the minimum ment each a eriod ou Visa Platinum XXXX-XXXX•XXXX-5895 p y p , y will pay more in interest and it will take you longer to pay off your balance. For example: j Payment Amount Each Period If No ry Approximate Time to P Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total Cost 524,326.76 $1,383 00 Sep 16, 2010 if y , ou would like Information about credit counseling services, call 1-888-326-8055. PUA5E PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNIN4 If we do not receive your minimum payment by your due date Credit Limit: $30,000.00 Cash Credit Limit: 515,000.00 , you may have to pay a 539.00 [ate fee. Available Credit: 55,673.24 Available Credit for Cash: $5,673.24 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S24 ,210 51 ) - 50.00 H. S 116.25 } 50.00 = $24,326.76 - - - -- -- - - -------- - ---- You're behind by three payments. But you can bring your account current by paying the minimum payment amount on your statement. N ymu're having financial difficulties and you're feeling overwhelmed - we want to help. Give one of our associates a call at 1.800.955.66DO. You'd be surprised what we can do together to work this out. TRANSACTIONS PAYMENTS, CREDITS BADJUSTMENTS OR DANIEL L KREHLING #5895 FEES 1 16 AUG PAST DUE FEE Total Fees This Period Total Fees This Year INTEREST CHARGED INTEREST CHARGE: PURCHASES INTEREST CHARGE:CASH INTEREST CHARGE:SPECIAL TRANS Total Interest This Period Total Interest This Year Transactions continue on page 2 539.00 539.00 $279.00 $32.88 $20.61 $23.76 $77.25 5508.46 W--7`^" Account Number: 4003.4470.0686.5895 Due Date New Balance Mirdmum Payment Amount Enclosed ..-.... - - - Sep 16, 2010 $24,326.76 $1,383.00 PLEASE PAY AT LEAST THIS AMOUNT DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 11111111111-11-1•III.1r11rrllllrrlll?lllllllrlrrlll Ph 111111,111 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 4.90% D $7,903.64 $32.88 Cash 14.80% D $1,539.20 $20.61 Special Trans 1.90% $14,710.39 $23.76 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 19 0000000650001383008 Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments Review account information AQ Manage your account in privacy 400006 Capital One Bank (USA), N.A. P.O. Box 71083 Char lotto, NC 26272-1083 IIIIIIIr111rrlllll111rIIIIIIIrrllllllrrllilrlllrllrrlllllllllllll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A DANIEL L KREHLING s Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements Pay your bill online Sign up at: www.capitalone.com ?. - - --- Page 2 of 2 14100.955-7070 www.capitalone.com Jul. 20 -Aug. 19, 2010 31 Days in Billing Cyde Credit lumh: $30,000.00 Visa Platinum )OM-XXXX-XXXX-5895 Available Credit: $5,673.24 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limit: S15,000.00 $24,326.76 $1,383.00 Sep 16, 2010 Available Credit for Cash: $5,673.24 ..---------J Previous Balance Payments and Credits Fees_and Interest Charged Transactions New Balance S24,210.51___ J $0.00 -- - J + ....5116.25 + ----- 50.00---.._ = ---$24,326.76 _--? TRANSACTIONS CONTINUED __________ J You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Captal One. TAKE CONTROL OF YOUR CAPITAL ONE" wlret'sJnyourwalleP ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. 500011 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 0 2009 Capital One. Caput! One is a fidnnlly registered.fervice murk. All rights served. Page 1 of 2 1•DOO9SS-7070 1 www.capitalone.com Aug 20 Sep. 19, 2010 31 Days in Biting Cycle - -- -- --- MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you Visa Platinum XXXX-XXXX•XXXX"5895 will pay more in interest and it will lake you longer to pay off your balance. For example: PaymentAmount Each Period If No Approximarte Time to Pay Olt Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $24,429.60 $1,730.00 Oct 16, 2010 Minimum Payment 35 Years $41,951 If you would like information about credit counseling services, call 1.888.326-8055. PLEASE PAT AT LEAS THI5 AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Limh: $30,000.00 Cash Credit Limit: S 15,000.00 you may have to pay a late fee of up to 535.00. Available Credit: 55,570.40 Available Credit for Cash: $5,570.40 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S24,326.76 _ $0.00 + 5102.84 + $0.00 = $24,429,60 1 1 _.....-------------' `----...........----- -._? _........ ..---? You're behind by four payments. But you can still bring your account current by paying the minimum payment amount on your statement. Need help? Give us a call at 1.800.955.6600, we'll work together to find a solution. 'TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR DANIEL L KREHLING #5895 FEES 1 16 SEP PAST DUE FEE S25.00 Total Fees This Period 525.00 Total Fees This Year $304.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $33.17 INTEREST CHARGE:CASH $20.87 INTEREST CHARGE:SPECIAL TRANS $23.80 Total Interest This Period $77.84 Total Interest This Year 5586.30 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 4.90% D $7,973.86 $33.17 Cash 14.80%D $1,659.93 520.87 SpecialTrans 1.90% $14,734.17 $23.80 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number: 4003.4470.0686-5895 Due Date New Balance Minimum Payment Amount Enclosed Oct 16 2010 L $24,429. 60 $1,730.00 r PLEASE PAY AT LEAST THIS AMOUNT 1 4003447006865895 19 0000000650001730008 DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 nrnn1-1111111111rr1rrl1?1111n1?11?r•gr,l rlrlrl?nrlll? Take advantage. Take control. Manage your account online at tfvww.capitalone.com Make payments Review account information Manage your account in privacy 100006 Capital One Bank (USA), N.A. P.O. Box 710x3 Charlotte, NC 26272-1063 I111111rlllrrIIII1.11.1111Ill..111111r'11i1'111'11"11111111'1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A DANIEL L KREHLING Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Gam' Page ] of Z 14500.955.7070 ( .--- www.capitalone.com Aug. 20 • Sep. 19, 2010 31 Days in Billing Cie Visa Platinum XXXX-XXXX-XXXX-5895 Credit Limit: $30,000.00 Available Credit: $5,570.40 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Lime: $15,000.00 $24,429.60 $1,730.00 Oct 16, 2010 Available Credit for Cash: $5,570.40 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 52432676 - (- S0.U0 -_-1 + -- --S 102.84 _ + --- -$0.00 -? _ -_ -$2442960 - J TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. EXILIBIT A .r , 7 500525 important notification of a change in terms to your account Please refer to the Important Notification of a change in terms enclosed with this statement. It explains in detail how, consistent with new federal credit card rules, we've revised the following account terms and policies: • Late Payment Fees • Other Penalty Fees • Limitations on APR increases Please note that these same changes are being made to both older and newer accounts Qvpi - in an effort to consistently implement laws that only recently became effective. Page 1 of 3 1411IM955.7070 -11 www.capitalone.com Sep 20 Oct.19 2010 30 Days In BlMing CydeJ MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Visa Platinum xxxx-xxXX•Xxxx-5895 Payment Amount Each Period If No Apprmdmate Time to Pay OH Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Changes Am Made Statement Balance TOW Cost $24,530.45 $2,076.00 Nov 16, 2010 Minimum Payment 35 Years I E41,971 If you would like information about credit counseling services, call 1-888-32 5r8055. PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If vve do not receive your minimum payment by your due date, Credit Limit: $30,000.00 Cash Credit Limit: S15,000.00 you may have to pay a late fee of up to 535.00. Available Credit: 55,469.55 Available Credit for Cash: $5,469.55 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 524,429.60 J - $0.00 t 5100,85 + 50.00 J $24,530.45 J You're behind by five payments. If you continue to miss payments your account is at risk of being charged off. Please don't let this happen, If you're feeling overwhelmed, call Lis at 1.800.955.6600. We'll work with you to resolve this matter. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR DANIEL L KREHLING #5895 FEES 1 16 0CT PAST DUE FEE S25.00 Total Fees This Period 525.00 Total Fees This Year $329.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $32.34 INTEREST CHARGE:CASH $20.44 INTEREST CHARGESPECIAL TRANS $23.07 Total Interest This Period $75.85 Total Interest This Year 5662.15 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 4.90% D $8,031.60 $32,34 Cash 14.80% D $1,680.59 $20.44 SpecialTrans 1.90% $14,757.44 $23.07 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 19 0000000650002076008 Account Number: 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed _-------- - Nov 16, 2010 .... -- -- - - --? -- ( $24,530.45 ) $2,076.00 PLEASE PAY AT LEAST THIS AMOUNT DANIEL L KREHLING 315 2ND ST ENOLA, PA 17025-3204 ,.mII„IIII•IIPI'Inl,n,ullllllllhrll??hlh'161n"Ilrp Take advantage. Take control. Manage your account online at tflfww.capitalone.com Make payments Review account information Manage your account in privacy 400006 Capital One Bank (USA), N.A. P•0• Box 71083 Charlotte, NC 28272-1083 lllllllrlllrr111i1rlIrIIIIIIIIIIIIIIf IIIIIIII,IIrrIIIIIIIIIIIII EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. A " 1? Let's work together 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 1.800.955.6600. CC-9 2009 Capital One. Capital Orre is a frrlnally rrgi,terrrl serviee mark. All rig{.ts resrrved. 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! 500012 Page 2 of 3 1400955.7070 www.capitalone.com Sep. 20 - Od.19, 2010 30 Days in Billing Cyde ---...------..._----------------......_._---------___....._.._.. _._..._-.___- -- visa Platinum X0XX-XXXX•XXXX-5895 Credit Limit: $30, 000.00 Available Credit: $5,469.55 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limit: $15,000.DO $24,530.45 $2,076.00 Nov 16,201 0 11 Available Credit for Cash: $ 5,469.55 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 524,429 60 - -J - $0.00 _ _-- _ J } SIOD.85 -__ _ j } $0.00- _ - --- ` -- $24 530.45 1 111 J TRANSACTIONS CONTINUED 1 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital Ore. EXHIBIT A wlret's in your wallet? DANIEL L KREHLING ? w CatEaiif` . what s to your wallet? 500013 IT'S TIME TO TAKE CONTROL OF YOUR DEBT. WE'RE HERE TO HELP. Even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by the due cate to eliminate the risk of beigg charged off. a 2009 Capisal One. Capital One it a frdrrally regatend rercdn mark. All rrgha reserved Page 1 of 2 14MO.955-7070 Www.capitalone.com - Oct. 20 - Nov. 19, 2010 31 Days in Bil ing Cyde MINIMUM PAYMENT WARNING If you make only the minimum payment each period, you Visa Platinum XXXX-XXXX-XXXX-5895 will pay more in interest and it will take you longer to pay off your balance. For example: PaymentAmount Each Period R No Approximate Time to Pry Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $24,644.37 $2,436.00 Dec 16, 2010 Minimum Payment 35 Years I 342,011 If you would kke information about credit counseling services, call 1-888-325-8055. PURSE PAY AT (EAST THIS AMOUNT LATE PAYMENT WARNING If we do not receive your minimum payment by your due date, Credit Limit: $30,000.00 Cash Credit Limit: S 15,000.00 you may have to pay a late fee of up to S35.00. Available Credit: 55,355.63 Available Credit for Cash: $5,355.63 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 524 530 45 J - r $0 00 } 5113 92 l 00 $0 . . -- J J . } 524,644,37 You're behind by six payments. R we charge off your account due to late or missed payments, finance charges will continue to accrue. Act now to prevent this from happening. Please pay the minimum payment amount on your statement or give us a call at 1.800.955.6600. W'e're here to help. Take control of your credit with Capital One. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR DANIEL L KREHLING #5895 FEES 1 16 NOV PAST DUE FEE 535.00 Total Fees This Period 535.00 Total Fees This Year $364.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $33.66 INTEREST CHARGE:CASH $21.39 INTEREST CHARGE:SPECIAL TRANS $13.87 Total Interest This Period $78.92 Total Interest This Year 5741.07 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 4.90% D $8,090.90 $33.66 Cash 14.80% D $1,701.50 $21.39 Special Trans 1.90% $14,781.07 $23.87 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number: 4003-4470-0686-5895 Due Date New Balance Minimum Payment Amount Enclosed -- --- - .._... _ Dec 16 2010 ( $24,644.$7,436.00 --- PLEASE PAY AT LEAST_-_ --/ THIS AMOUNT 1 4003447006865895 19 0000000650002436003 DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 Illhrlllrlhrllrrllhlhlll?Ill?hlhllhl•Irlrllllll?llll? Take advantage. Take control. Manage your account online at www.capitalone.com Make payments • Review account information AQ Manage your account in privacy 400006J Capital One Bank (USA), N.A. P•0• Box 71063 Chad otte, NC 28272-1083 Illllllrlllrrlllll'll'1111111"111111"II'I'lll'll"IIIIIIII'llll EXHIBIT A Please make checks payable to Capital 0 ne Bank (USA), NA. and mail with this coupon in the enclosed envelope. DANIEL L KREHLING I' `s fr ((r? Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com ?. Page 2 of 2 14500.955.7070 11 www.capitalone.com Oct.20 Nov.19 2010 31 Days in Billing CydeJ Credit Lima: $30,000.00 Visa Platinum XXXX-XXXX-XXXX-5895 Available Creda: $5,355.63 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Lima: V 5,000.00 $24,644.37 $2,436.00 Dec 16, 2010 Available Credit for Cash: 55,355.63 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ---------------------- --- - 524,53045 - $0.00 J + ( -5113.92 + 10.00 J _ $24,614.37 l ---- ---- ........... - - - RANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. i EX4IBIT A b? to 500343 Your account works differently now that you're 7 payments late. Please see the next page for important account information. Page 1 of 2 1-800-258-9319 www.capitalone-com/solutions ?- Nov. 20 -Dec 19 2010 30 Days in Billing Cycle IMPORTANT ACCOUNT UPDATES Visa Platinum 4003.4470.0686.5895 Your full balance is due. Any payment you make will reduce your balance and help pay o0 your debt faster. The amount you awe may differ 'd you've entered into a separate payment NEW BALANCE PAYMENT DUE DUE DATE i agreement. $24,756.32 $24,756.32 PAST DUE Available Credit: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 524 64437 1 - _ $0.00 1 5111,95--- l f0.00 S24,75632 J TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR DANIEL L KREHUNG #5895 FEES 1 16 DEC PAST DUE FEE 535.00 Total Fees This Period S35.00 Total Fees This Year $399.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $32.85 INTEREST CHARGE:CASH $20.96 INTEREST CFIARGE:SPECIAL TRANS $23.14 Total Interest Tnis Period $76.95 Total Interest This Year 5818.02 Help is Available. Just pick up the phone. Call 1-800.258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 4.90%D $8,159.18 $32.85 Cash 14.80%D $1,722.66 520.96 Specianrans 1.90% $14,804.41 $23.14 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE. 1 4003447006865895 19 0000000650000000003 Account Number: 4003-4470-0686-5895 Due Date New Balance _ Amount Enclosed Past Due I $24 756 32 DANIEL L KREHLING 115 2ND ST ENOLA, PA 37025-3204 '1111'"III ... '-IIIIII.I.P.-Ill1'11111Irlrll"ll'lll'Ill'Il'1111 i Manage your account online. AQ Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 2417 without picking up the phone. 400004 Capital One Bank (USA), N•A• P•0• Box 71063 Charlotte, NC 28272-1083 IIIIIIIrlllrrllllldI-IIllllirr111111rrllrlrlllrllrr11111111,1111 EXHIBIT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. 'A 0.0 r 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 1.800.2569319 www.capitalone.com/solution. Dec. 20 Mar 18, 2011 VISA PLATINUM 4003-4470-0686-5895 IMPORTANT ACCOUNT UPDATES NEW BALANCE PAYMENT DUE DUE DATE Your full balance is due. Any Payment you make will reduce your balance and help pay off your debt faster. The amount you owe may $24,854.78 $24,854.78 Past Due differ t you've entered into a separate payment agreement. Available Credit: SO.00 Previous Balance Payments and Credits Fees Interest Charged New Balance 524,75632 - $0.00 H- 50.00 + S98.46 _ 524 854.78 (TRANSACTIONS 1 PAYMENTS, CREDITS 8 ADJUSTMENTS FOR DANIEL L KREHUNG 85895 FEES Total Fees This Period $O.DO Total Fees This Year $O.DO INTEREST CHARGED 1 22 DEC INTEREST CHARGE $2.23 2 22 JAN INTEREST CHARGE $34.69 3 22 FEB INTEREST CHARGE $34.69 4 18 MAR INTEREST CHARGE $26.85 Total Interest This Period $98.46 Total Interest This Year $98.46 1 4003447006865895 18 0000000000000000000 Account Number: 4003-4470-0686-5895 Due Date New Balance Amount Enclosed Past Due , (\ $24,854.78 ( ) ----- DANIEL L KREHLING 115 2ND ST ENOLA, PA 17025-3204 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on Your account. Type of Balance Annual Percentage Balance Subbed Interest Charge Rate (APR) to interest Rate Interest Bearing 1,650-6 I $24,750.62 598.46 Manage your account online. AQ Visit www.capitalone.com/solutions to manage your account online. Have information at your ngertips 24/7 without picking up the phone. Capital One Bank (USA), N.A. P.O. BOX 71083 CHARLOTTE, NC 28272-1093 rIf Ill. Ir'I'IIILIIIIIIIIIIII'I•I'Irlllll"'I11.1.1.. Ilrllrll'III Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A f? ?? r N r ? H O N \ w \ C7 H a ° o a o F F w r? H I U F O F z Q x I A FC LD W o U F A U (n CL ? o u) N Ln O O 00 O \ O 0) O O lD O 01 O O 1-i o H Ln Ln ao in \ H M H N M N • • H 1a r {? H Q 1117 vi- a O x O O N o U N 04 \ F H Ff KC E-1 H a U x w? H A F xu wa W F FCn W a H M DW O O 0D N N x 0 O %D M O M H O Ul m 0) OD a 111' 01 d M H a r- N ° o z Ln . r n- O W N N a 1!T d1 1? a w a H a H I ? F H ? w ri) F F a F Q a In Q ? 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F-i Q Q U X U I w w w w 61' U) w 04 a 04 E-4 L11HprCw I ? -1 H H a U U) F p F F FUU FUC700 1 m P4 w Ix P4 04 W U U U 1 Q w w w 1 xxx W F w w w 1 ? - 1 F -, r•N U Pr ! ! H H I? 1 U I H Cl? x H 1 F H W W W p £ z z z W z 11 W Z H U) O 4 z F-4 4 U z 147 U W H W W W E w W U a f:4 a U) 4 W a w q W F W Lz W W H ?, H F H? F H ? W O H ? W 0 0 0 1 A W A A F Q 1 W ? o 0 0 0 U N Q C,4 1 N N Q W W a L W D a D 0 O W H H H H 1 07-1 Z Z Z H rN'i 'Zi F 'A H H 1 EXHIBIT A IV A '4? 20110627 CAPITAL ONE BANK (USA), N.A., Plaintiff, V. DANIEL L KREHLING 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: - N00000037974357 790731731 A088 HAYT, HAYT & LANDAU Sandra Davis SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff [HE PI0 i I'??_`( ; Jody S Smith ?? fU '8 P Chief Deputy Richard W Stewart 'UMBE1iLAH0 i Solicitor PENNSYLVA "JIj.", Capital One Bank vs. Case Number Daniel Lawrence Krehling 2011-5958 SHERIFF'S RETURN OF SERVICE 08/02/2011 05:32 PM - Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on August 2, 2011 at 1732 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Daniel Lawrence Krehling, by making known unto himself personally, at 115 Second Street, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to him personally the said true and correct copy of the same. MI HELLE GUT HA , DEPUTY SHERIFF COST: $43.00 August 03, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF