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HomeMy WebLinkAbout11-7033ti 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. 378392 t ' l,1 J rI r, G lrtJv9'', i i Attorney for Plaintiff CAPITAL ONE BANK 4851 COX ROAD GLEN ALLEN, VA 23060 VS. JO ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE PA 17013 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION TERM. 1` , No. l l-? D6 *,12 lV?' CIVIL ACTION "NOTICE "You have been sued in court, if you wiah to defend a gakvA the dmkre act forth in the following p0Dca. you must tales action wkW twenty (20) days attar this conplmmt and notice are served, by entering a wrkben appearance persoreky or by attorney and WV in verging with the oourt your defences or objeabons to the daims met forth against you You are wemed tot 9 you fed to do so the case may proceed without you and a Mgment mar be ut- tered agaket you by the court wilhot bitter nodoe for any awn- ey dakned in the oonVbkrt or for arty otter daim or relief request ed by the piakrtiff. You may bee money or property or other riphta important to you. "A NISO 'La ten dernandedo a usted an Is cots. Si uded quisrs detenderse de alas denrandas expueslas an be ptgkm aiguierrts usted two veins (20) dims, de piano al pa* do Is le d de h dormanda y In nollkmoi6m Hoe We aaw*w um oonVerencie sacrkm o en permore o Corr un aboymdo yen tagmr a Im oerite an Tome esRxda an delenes o sus objedoaa a be Berner via% an contra de su per sores. Saa avisado que si a Aod no to defend*, to torte tomsri rradWdms y pusde confira w Is dororalm on contra w ya am prom avieo o nob tcmcibn. Adonis. M corn puede decidir a fawr del dsmmndanlm y nxpYwe qua uded omq& con today ba prwh ionve de asla deaends. Uslsd puede pardar di m o sus propodades u of m deradws inportw*m pare ustsd. IF YOU CANNOT AFFORD TO MM A LAWYER,TWS OFFICE MAY BE ABLE TO MOVID.E YOU WTTH INFORMATION ABOUT AGENCIES THAT MAY OFFER. LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE PA, 17013 717-249-3166 'LIEVE ESTA DEMAND4 A UN ADO ADO iMMEOIATAMENTE. SI NO T IENE ABOGADO O SI NO TIENE EL DINERO SUMIENTE DE PA GAR TAI. SERVlC#O, VAYA EN PERSONA O LLAME POR TELIt ONO A LA on am CUYA OI mci6N SE ENCUENTRA ESCRITA ABAIO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. qS m rd a C'k#? 1q 3a 3S P- 4?42?ws8 3 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) JO ANNE S KRONENBERG is/are individual(s) residing at: 605 DEVONSHIRE DR, CARLISLE, PA 17013. 3. Upon application by Defendant(s) a Credit/Revolving Charge Account was established for Defendant(s), which was assigned account number 4003447006555041. 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: $21,576.90 $862.29 $22,439.19 7. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to pay the aforesaid sum. WHEREFORE, Plaintiff demands that judgment be entered against Defendant(s) in favor of Plaintiff in the amount of $22,439.19 together with interest and costs. LAW OFFICES OF H.AAYT, HAYT & LANDAU, By: Attorney for Plaintiff O 18 O • Spread too thin? Paying bills takes a tot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One,, balance 00000) 500258 transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-800-955-7070. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date C$19,221.76 - $500.OD + $101.11 + $0.00 = $18,822.87 $289.00 Jan. 05, 2009 Nov. 06, 2008 - Dec. 05, 2008 Page 1 of 1 ':• Visa Platinum Account 4003.4470.1579.9341 ?ft? / ` Your Account Information `, • REWARDS TOTAL CREDIT LINE $20,000,00 TOTAL AVAILABLE CREDIT $1577.13 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $1,177.13 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $4,792.10 0.02121% D 7.74% $30.49 Cash $0.00 0.04260% D 15.55% $0.00 SpecialTrans $14,345.34 0.01641% 5. WA $70.62 ANNUAL PERCENTAGE RATE applied fhls period: 6.31% o At Your Service - Go to www.cmilabre.com to manage your acmunt, or Cat 14M-955-7070 to report a lost or stolen card or speak to Customer Relations 0 Pay Online at www cacitabpg,corn or mad your payment to: Capital One Belk (USA), N.A. - P.O. Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Capital Onz P.O. Box 30285 • Sat Lake Cary, UT 84130-0285 ® Manage your Rewards online by visiting or Cst 100-228.3001 ® Have a question about a charge on your statement? Please refer to the Biding Rights Summary on the back of your statement or visit www.caoitalone.com7disouts PUASE W AT IlAST THIS AMOUNT Rewards Summa Previous available balance' 6,073 Earned this period: 0 (reflects transecdons posted during this lime cycle) Available Balance: 6,073 Payments, Credits & Adjustments 1 28 NOV PAYMENT $500.00, PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO YA%W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4003447015799341 05 0000000500000289007 ?'sgrri Account Number: 4003-4470-1579-9341 Lend a hand. Save the land Due Date New Balance Minimum Payment Amount Enclosed . Manage your account online today- Jan. 05, 2009 $18,822.87 $289.00 it's fast, easy and secure. Q Pay online anytime-no more checks, stamps or ch.tter. PLEASE PAY AT LEAST THISAMOUNT ® Moving? Change your address online or on the back. ® Help save the planet--- Go paperless. #9034172194316624# Q Sign up at www.capitalone.com. d0 ANNE S KRONENBERG 6135 DEVONSHIRE DR Capital One Bank (USA), N.A. CARLISLE, PA 17013-3605 P.O. Box 71083 Ilrrlllrl'IIII'IIII'III"'I'III'Illlllrllrrlirlllll"Illlll'IIII' Charlotte, NC 28272-1083 IIIIIII'III"IIIII'II'IIIIIIIrrllit ll"II'I'III'll"lillllll'IIII -7 UBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Q 10 O • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One,, balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching 000001111)? 500258 the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-800-955-7070. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $18,822.87 - $400.00 + $99.11 + $157.76 = $18,679.74 $285.00 Feb. 05, 2009 Dec. 06, 2008 - Jan. 05, 2009 Page 1 of 1 •?'• Visa Platinum Account 4003.4470.1579.9341 111111 Your Accountlnformation 0 REWARDS TOTAL CREDIT LINE $20,000.00 TOTAL AVAILABLE CREDIT $1,320.26 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $1,320.26 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $4,560.67 0.01915%0 6.99°A $27.07 Cash $0.00 0.04055% D 14.80% 90.00 SpecialTrans $14,162.03 0.01641% 5.99% $72.04 ANNUAL PERCENTAGE RATE applied fhle parted: 8.35% Q At Your Service • Go to www.caoitabne.com to manage your axeunt, a Cat 1-800.955.7070 to report a bsl or stolen card or speak In Qrsi mer Relations 0 Pay Online at xww.caeilabne_mm or mail your payment to: Capital One Bank (USA), N.A. • P.O. ED,, 71083 • Cherbnle, NO 28272-1083 A Send Inquiries to: Capital One P.O. Box 30285 • Sat Lake City, UT 841300285 ® Manage your Rewards online by visiting a Cat 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.caoitalone.comidis0utes PUASE MY AT LEAST THIS AktOUNT Rewards Summa Previous available balance - - 6,073 Earned this period. 158 (reflects transactions posted during the bifng cycle) Available Balance: 6,231 Payments, Credits & Adjustments 1 20 DEC PAYMENT $400.00. Transactions 2 23 DEC WM SUPERCENTER CARLISLE PA $157.76 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447015799341 05 0000000400000285002 Account Number: 4003-4470-1579-9341 Due Date New Balance Minimum Payment Amount Enclosed Feb. 05, 2009 ? $18,679.74 $285.00 PLEASE PAY AT LEAST THIS AMOUNT N9000672194316623# d0 ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 17013-3605 'II'II11MIIIIII -IInIIIlrrnlnr11Ulluy111111 hrrhu 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 di,tter. ® Moving? Change your address online or on the back. ® Help save the planet -Go paperless. ® Sign up at wvrwcapitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIII'III--IIIIIrII-IIIIIII,rIIIIII'-II'I'lll-ll'-IIIIIIII'IIII EA'EIIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 500016 Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. Capital One' does credit cards-and then some! FDIC ?- LENDER Capttaf - what's in your wallet? FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date C$18,679.74 - $500.00 I + $99.25 + $275.69 = $18,554.68 $284.00 Mar, 05, 2009 Jan. 06, 2009 - Feb. 05, 2009 Page 1 of 1 •' Visa Platinum Account 4003.44704855.5041 ? Your Account Information ?- REWARDS TOTAL CREDIT LINE $20,000,00 TOTAL AVAILABLE CREDIT $1,445.32 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $1,445.32 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $4,860.70 0.01915%0 6.99% $28.66 Cash $0.00 0.04055% D 14.80% $0.00 SpecialTrans $13,837.64 0.01641% 5. WA $70.39 ANNUAL PERCENTAGE RATE applied Ihle period: 8.379E O At Your Service • Go to wwaxacnabne.oom lo manage your account, a Cat 1-800-955-7070 to report a bst or slobn cad a speak to Qrstomer Relabars ® Pay Online at www.cantahne.rnm or mad your payment to: Capital One Be* (USA), N.A. • P.O. Box 71083 • Charble, NC 28272-1083 A Send Inquiries to: capital C rrw P.O. Box 30285 • Sal Lake Qty, UT 84130-0285 ® Manage your Rewards online by visiting a Cat 1-228.3001 ® Have a question about a charge on your statement? Please refer to the BiNing Rights Summary on the back of your statement or visit www.capilalone.porn/dispuleg 1`U:A5E IwY AT IFA9 THIS AMOUNT Rewards Summa Previous available balance: 6,231 Earned this period: 276 (reflects transactions posted during this ding cycle) Available Balance: 6,507 Payments, Credits d, Adiustments 1 22 JAN PAYMENT $500.00- Transactions 2 11 JAN RILLO'S CARLISLE PA $21506 3 15 JAN PA DRNERNEHICLE SERV 800932-4600 PA $362 4 23 JAN ID THEFT PREVENTION 80840.6301 IL $1.00 5 29 JAN MR FUEL 2 00000020" BLITHER GLEN VA $23.63 Cheri( this out - just a quick reminder that your account number has changed. So activate your card, and if you've set up automatic payments with any merchants or utilities, be sure to give them your new number. That way, your Capital One card will continue to automatically pay your bias, and you wit continue to save time and money. As always, thanks for choosing Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4003447006555041 05 0000000500000284002 Account Number: 4003-4470-0655-5041 Due Date New Balance ?Min?imum Payment Amount Enclosed Mar. 05, 2009 $18,554.68 I $284.00 PLEASE PAYAT LEAST THIS AMOUNT #9003792199033325# d0 ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 17013-3605 III - IIIIIIIIIIIIIII I IIIIIrIrIIIIIIrII„I,,,h1t,II,I.IIIIII1.111, tend 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 rluiter. Q Moving? Change your address online or on the back. ® Help save the planet ---Go paperless. 0 Sign up at wvvw capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 [IIIIIIr111.-11IIIdI-1111111„111111'rll'I'lll'II"IIIIIIIFItII EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 500016 Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. Capital One' does credit cards-and then some! 7 -' _ME_ MBER LENDER Ca in your wai/sty Previous Balance Payments & Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due Date C$1 - $401.00 + $91.73 + $997.33 = $19,242.74 $284.00 Apr. 06, 2009 Feb. 06, 2009 - Mar. 05, 2009 Page 1 of 1 •'3'• Visa Platinum Account 4003.4470-0655.5041 * hN H Your Account Information ( 0 a9 REWARDS TOTAL CREDIT LINE $20,000.00 TOTAL AVAILABLE CREDIT $757.26 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $757.26 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $5,504.26 0.01915% D 6.99% $25.51 Cash $0.00 0.04055% D 14.80% $0.00 SpecialTrans $13,540.60 0.01641% 5.99% $62.22 ANNUAL PERCENTAGE RATE applied this period: 5.7896 Q At Your Service - Go to wm.caonabne.oom to manage you account, or Get 1-800-955.7070 to repot a lost or stolen card a speak to Ouslomer Relations ® Pay Online at Dp cadiabne.com or mail your payment to: Capital One Bank (USA), N .A. - P.O. Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Capital Onw P.O. Box 30285' Sal Lake pry, UT 84130-0285 ® Manage your Rewards online by visiting a Cat 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.caLoitalone.com/dismies PLEASE W AT [FAST TR6 AIJOUNT Rewards Summa previous available balance 6,507 Earned this period: 997 (reflects transactions posted during this billing cycle) Available Balance: 7,504 Payments, Credits dr Adiustments 1 21 FEB ID THEFT PREVENTION 888.840-6301 IL $1.00- 2 25 FEB PAYMENT $400.00_ Transactions 3 11 FEB LAZY DAYS RESTAURANT ISLAMORADA FL $81.00 4 14 FEB ZIGGIE & MADDOGS ISLAMORADA FL $483.68 5 19 FEB LAZY DAYS RESTAURANT ISLAMORADA FL $272.85 6 03 MAR HAMPTON INNS SANTEE SC $109.80 ARRIVE: 03102109 7 03 MAR BEALETON LIBERTY BEALETON VA $5000 Check this oul - just a quick reminder that your account number has charged. So activate your card, and if you've set up automatic payments with any merchants or uhlifies, be sure tc give them your new number. That way, your Capital One card will continue to autornaticaly pay your bills, and you will continue to save time and money. As always, thanks for choosing Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 05 0000000400000284003 Account Number: 4003-4470-0655-5041 Due Date New Balance Minimum Payment Amount Enclosed Apr. 06,200 9 $19,242.74 $28 4.00 PLEAS-F PAY AT LEAST ?J THIS AMOUNT 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. #9006592199033326# 0 Sign up at www.capitalone.com. JO ANNE S KRONENBERG 605 DEVONSHIRE DR Capital One Bank (USA), N.A. CARLISLE, PA 17033-3605 P.O. Box 71083 lu II II I r IJI II IaLn In III Charlotte, NC 28272-1083 II!?!!I'III"II11?'II'II!llllrrllllll"II'I'lll'll"IIIII?I?'llll EIM-11BIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 500016 Capital One' does credit cards-and then some! Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. MEMBER rwux?ec FDIC LENDER CapJta?° what's in your wallet? FINANCE Previous Balance Payments & Credits CHARGE - ......... - -- -- Transactions New Balance Minimum Payment Due Date / ------ $19,242.74 -? $500.00 + $105.53 ?Y $0.00 $18,848.27 )( $294.00 May. 05, 2009 Mar. 06, 2009 - Apr. 06, 2009 Page 1 of 1 '- PLEASE PAY AT (FAST THIS AMOUM Visa Platinum Account Rewards Summary 400344704655.5041 (? Previous available balance' 7,50q Your Account Information REWARDS Earned this period 0 TOTAL CREDIT LINE $20 000 (rdwis transactions posled during this biting c ria) TOTAL AVAILABLE CREDIT $1551.73 Available Balance : 7,504 CREDIT LINE FOR CASH $10,000.00 Payments, Credits & Adlustments AVAILABLE CREDIT FOR CASH $1,151.73 1 26 MAR PAYMENT $,500,00_ Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $5,928.45 0.01915% 0 6.99% $36.33 Cash $0.00 0.04055% 0 14.80% $0.00 SpecialTrans $13,178.19 0.01641% 5.991/6 $69.20 ANNUAL PERCENTAGE RATE applied this period: 6.63% Q At Your Service • Cc to www.cmrsloneoom to manage your account, or Cat 14M-955-7070 to report a lost or stobn card a speak to Customer Relations 0 Pay Online at rmcadtabne.oom or me$ your payment to: capital One Balk (USA), N .A. • P.O. Box 71083 • C herloOe, 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 t-8W-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/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 05 0000000500000294000 cma It- Account Number: 4003-4470-0655-5041 Due Date New Balance Minimum Payment Amount Enclosed May. 05, 2009 $18846 27- $294.00 PLEASE PAY AT LEAST THIS AMOUNT #9009792199033329# JO ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 17013-3605 ,rllprlrgirlr1111rI'Irr11i1,111hlu,rlrnllg111rrnlllhlhh Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 0 Pay online anytime-no more checks, stamps or flutter. ® Moving? change your address online or on the back. ® Help save the planetGo paperless. 0 Sign up at w ,capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NO 26272-1063 IIIIIII.II I'-11111-11-11111,1rr111111"II-I.111r11"11111111-1111 EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope, 500016 ® 1ft e Capital One' does credit cards-and then some! Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. MEMBER .wax FDK LENDER C'apHl I what's in your wallet? FINANCE Previous Balance Payments & Credits CHARGE__ Transactions New Balance Minimum Payment Due Date - - -- $18,848 27 -? $400.00 + $94 24 ,+ $0.00 J_? $18,542.51 $279.00 Jun 05, 2009 1 Apr. 07, 2009 - May. 05, 2009 Page 1 of 1 Visa Platinum Account 4003.4470-0655.5041 Your Account Information REWARDS' TOTAL CREDIT LINE $20,000.00 TOTAL AVAILABLE CREDIT $1,457.49 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $1,457.49 ;Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $5,937.14 0.01915% 0 6. WA $32.97 Cash $0.00 0.04055% D 14.80% $0.00 SpecialTrans $12,873.82 0.01641% 5,99% $61.27 ANNUAL PERCENTAGE RATE applied this period: 6.01% Q At Your Service -Go to twvw.caoitsbne.com to manage your account, or Cot 1-800-955.7070 to report a bell or stolen card a speak be Customer Relations 0 Pay Online at mm.cantabne.com or met your payment to. Capital One Bank (USA), N.A. • P. 0. Be. 71083 • Charlotte, NO 28272-1083 A Send Inquiries to: Capital One- P.O. Box 30285 • Sal Lake (Sty, UT 84130-0285 Aft Manage your Rewards online by visiting kinwiard? a- 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.capitalor*.com/disputes PLEASE PAY AT LEAST THIS AMOUNT Rewards Summary Previous available balance' 7,504 Earned this period: 0 (reflects transactions posted during this ding cyc6) Available Balance : 7,504 Payments, Credits & Adlustments 1 30 APR PAYMENT $400,00_ PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 05 0000000400000279000 Caty W Account Number: 4003-4470-0655-5041 tend a hand Save the land Due Date New Balance Minimum -_- Payment Amount Enclosed -- . . Manage your account online today- Jun. 05, 2009 $18,542.51 $279.00 it's fast, easy and secure. Pay online anytime-no more checks, stamps or rlctter. PLEASE PAY AT LEAST THISAMOUNT 0 Moving? Change your address online or on the back. ® Help save the planet - Go paperless #9012692199033326# O Sign up at www capitalone.com. d0 ANNE S KRONENBERG 605 DEVONSHIRE DR Capital One Bank (USA), N.A. CARLISLE, PA 17013-3605 P.O. Box 71083 IIIII"I'IIII?II?I'??'I'1I'11"11 ''Il1'Ill'1 Jill 'Ilrrlrl+lllrllll Charlotte, NC 2a272-1083 I II I I III.r I I I IIIIII 'I "II ll' I'llll IIII I"II' 'III' I"IIIIIIII'llll EM-1IBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Q12hL- 500016 Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Capital One' does credit cards-and then some! Visit capitalone.com for a complete list of products and services and to manage your account online. _ MEMBER 4W ?WN?x ¦M LENDER Cap ??fm what's in your wallet? FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $18,542.51 -I $445.28 + $99.53 )+( 1309.94 =( $18,506.70 ) $284.00 ( Jul. 06, 2009 May. 06, 2009 - Jun. 05, 2009 Page 1 of 1 Visa Platinum Account 4803.4470.ONS-5041 flawk Your Account Information ?E W ARDS' TOTAL CREDIT LINE $20,000.00 TOTAL AVAILABLE CREDIT $1,493.30 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $1,493.30 -----_........... --- - ---- ----- - --- I, Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $6,119.53 0.01915%0 6.9996 $36.33 Cash $0.00 0.04055%0 14.80% $0.00 SpecialTrans $12,422.82 0.01641% 5.99% $63.20 ANNUAL PERCENTAGE RATE applied this period: 6.44% Q At Your Service • Go to www.cwrtabne.oom to manage your account, or Cat 14M-955-7070 to report a bst a slohn card or speak ic Customer Relapons ® Pay Online at www.omtabno.corn or mad your payment to: Ca<dtei One Bank (USA), N.A. • P.O. Box 71083 - Charbtle, NC 28272-1083 Send Inquiries W Captal On& P.O. Box 30285 • Sat Lake Cry, UT 84130-0285 ® Manage your Rewards online by visiting Aft a Cal 1-8110-228-3001 ® Have a question about a charge on yout statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.caoitalone.comidisOutes Rewards Summary Previous available balance 7,504 Earned this period: 264 (ralbcls transactions posted during this biting cycle) Available Balance 7,768 Payments. Credits b Adlustrnents 1 09 MAY ONSTAR SUBSCRIPTION 888-40NSTAR MI $29.69- 2 09 MAY ONSTAR SUBSCRIPTION 888-40NSTAR MI $15.59- 3 18 MAY PAYMENT Transactions 4 09 MAY ONSTAR SUBSCRIPTION) 88840NSTAR MI $85.28 5 09 MAY ONSTAR SUBSCRIPTION] 888-40NSTAR MI $148.92 6 12 MAY DTV'DIRECTV SERVICE 800-347-3288 CA $65.14 7 31 MAY GULF OIL 92038859 CHARLTON MA $50.60 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPUTALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 05 0000000400000284003 cma Account Number: 4003-4470-0655-5041 Due Date New Balance Minimum Payment Amount Enclosed Jul. 06 2009 I $18,506.70 l $284.00 PLEASE PAY AT LEAST THIS AMOUNT #9015792199033321# d0 ANNE S KRONENBERG 605 DEVONSHIRE 0R CARLISLE, PA 17013-3605 If 11-1111-1-11'.1.111111111'. 1"11"11111111-1111111111'I11111'I 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 clutter. 0 Moving? Change your address online or on the back. ® Help save the planet--Go papertess. 0 Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 11 11111,111„11111' 11' 1111111„I 11111"I I' 1' 111,11"I 1 1 1 1 1 11' I I I U,21-111D- IT 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 watet7 It could happen to anyone. Make sure you pay the amount JO ANNE S KRONENBERG 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 by I (good credit could mean lower interest rates) e 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 .renice mark. All rights ruemed. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date -- - -, , - - $18,506.70 -? $0.00 + $100.31 $202.91 $18,809.92 $611.00 Aug 05, 2009 - -, Jun. 06, 2009 -Jul. 06, 2009 Page 1 of 1 ----'---'- PLEASE PAY AT( FAST THIS AMOUNT Visa Platinum Account 4003.4470.ON5.5041 L Your Account Information NWARDS' TOTAL CREDIT LINE $20,000.00 TOTAL AVAILABLE CREDIT $1,190.08 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $1,190.08 - -------------- Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE appled to rate APR CHARGE Purchases $6,319.88 0.01915%D 699% $37.52 Cash $0.00 0.04055% D 14.80% $0.00 SpecialTrans $12,343.53 0.01641% 5.99% $62.79 ANNUAL PERCENTAGE RATE applied this period: 6.45% Q At Your Service • Go to www.cotabne.com to manage your axounl, cr Cat 1400-9554070 io repod a bet or slolen card or speak to Customer Relefions Yori 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: 7,768 Earned this period: 164 (rel6cls transactors posted during trus ding cycle) Forfeited this period: 164- Available Balance 7,768 Payments, Credits dr Adjustments Transactions 1 12 JUN DTV'DIRECTV SERVICE 800-347-3288 CA $79.58 2 18 JUN IRVINGICIRCLE K 7037 AUGUSTA ME $30.33 3 23 JUN IRVING/CIRCLE K 7037 AUGUSTA ME $54.00 4 06JUL PAST DUE FEE $39.00 ® Pay Online at yytp w cacitabne.oom or mail your payment b: You were assessed a past due fee because your minimum payment was not received by the due date. To Capital One Bank (USA), N .A. • P.O. Box 71083 • Charlotte, NO avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum 28272-1083 payment to reach Capital One. A Send Inquiries to: Capital One• P.O. Box 30285 • Sat Lake Cry UT 8, 41 00285 ® Manage your Rewards online by visiting ar Cat 1900-228-3(101 ® 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.caoitalone.com/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT 0NUNE. 1 4003447006555041 05 0000000400000611007 Accoun t Number. 4003-4470-0655-5041 Lend a hand Save the land Due Date -,-New-Balance.- Minimum Payment Amount Enclosed . . Manage your account online today- Aug. 05 2009 $18,809.92 $611.00 it's fast, easy and secure. Pay online anytime-no more checks, stamps or clutter. PLEASE PAY AT LEAST THISAMOUNT Moving? Change your address online or on the back. O ® Help save the planet---Go paperless. #901889219903332611 t) Sign up at www.capitalone.com JO ANNE S KRONENBERG 605 DEVONSHIRE DR Capital One Bank (USA), N.A. CARLISLE, PA 17013-3605 P.O. Box 71883 III?IIII?lrllll?rlrl'?II?IIIII"''+ I'll1 '1111 1II1 1 111Illilrrll rri Charlotte, NC 28272-1063 I II I I III.. 1 I 1 IIIIII 'I "II II' I'IIII ??II I"II' 'III' I"??IIIIII'III? E)MMMIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Stay on top of your account with 500312 Capital One Online Banking. Help to save trees by signing up for paperless statements-there is always up to13 months of statement history available that you can access at any time. It's easy-just log in to your account and click the Customer Service tab. With Online Banking you can: ? Check your balance and monitor transactions online 2417-you can even sort or group them ? Schedule a payment when it works for you-in advance or on the day it's due ? Set up customizable account alerts so you know immediately when certain transactions post and more... Enroll today at www.capitalone.com Capfta/ FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date ---- -- = - ---- $18,809 92 J- $625.00 + $96.08+r $158.48 $18,439.48 } $280.00 Sep. 05 2009 Jul. 07, 2009 - Aug. 05, 2009 Page 1 of 1 Al. Visa Platinum Account 4003.4470.OM5041 C? ? Your Account Information REw ARDDT TOTAL CREDIT LINE $20,000.00 TOTAL AVAILABLE CREDIT $1,560.52 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $1,560.52 - _............ ..__._... -- Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $6,475.53 0.01915%0 6.99% $37.20 Cash $0.00 0.06822% D 24.90% $0.00 SpecialTrans $11,960.70 0.01641% 599°% $58.88 ANNUAL PERCENTAGE RATE applied this period: 6.25% ---- - - /, Q At Your Service - Go to www.omblone.com kr manage your account, or Cat t-BM-955.7070 to report a lost or stolen card or speak to Customer Relations 0 Pay Online at wtwy cantalone.oom or mail your asymeru to: Capital One Bank (USA), N.A. • P.O. Brno 71083 • Cha6lte, NC 28272-1083 A Send Inquiries to: Capital One• P.O. Box 30285 • Sal Lake City UT 0, 41 00285 ® Manage your Rewards online by visiting or Cet 1.8IXI-2Z8-3001 ® 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,cai)italone.com/disputes PEASE PAY AT (EAST TH6 AMOUNT "'Important Notice" Your account was past due. Under the terms we previously disclosed to you, if your account is past due again in the next 12 billing cycles, your Annual Percentage Rates (APRs) may increase. Rewards Summary Previous available balances 7,768 Earned this period: 159 (re4,c(s transactions posted doing this burg cycla) Available Balance' 7,917 Payments, Credits & Adjustments 1 11 JUL DIRECT DEBIT PAYMENT AuthDale 11-J UL $625 00- Transactions 2 12 JUL DTV'DIRECTV SERVICE 800-347-3288 CA $79.58 3 16 JUL THE HOME DEPOT #2407 WATERVILLE ME $78.90 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 05 0000000625000280006 Account Number: 4003-4470-0655-5041 Lend a hand Save the land Due Date New Balance Minimum Payment Amount Enclosed . . Manage your account online today- I Sep. 05, 2009 $18,439.48 $280.00 ? it's fast, easy and secure. Pay online anytime-no more checks, stamps or clatter. PLEASE PAYAT LEAST THIS AMOUNT Q Moving? change your address online or on the back. ® Help save the planet-- Go paperless. #9021892199033321# O Sign up at www.capitalone.com. JO ANNE S KRONENBERG 605 DEVONSHIRE DR Capital One Bank (USA), N.A. CARLISLE, PA 17013-3605 P.O. Box 71083 11 1 I r l 1 1 Ilrr I,Irln r l II I I r r Charlotte, NC 26272-1063 EX1111BIT A Please make checks payable to Capital One Bank (USA), NA, and mail with this coupon in the enclosed envelope, Why open a Direct Banking account? Because it's online, we offer higher rates than many traditional branch banks do on many accounts. • Get the growth and convenience of saving money online • FDIC deposit insurance increased to $250,000 (through 12/31/2013) • Convenient 24/7 account access (Routine or unscheduled maintenance may impact accessibility.) MEMBER Craj i?_ FDIC www.capitalonedirect.com 500313 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date -- -- , -- - -- $18,439.48 -? $400.00 + $99.98 +? $416.69 $18,556.15 $285.00 Oct. 05, 2009 Aug. 06, 2009 - Sep. 05, 2009 Page 1 of 1 Visa Platinum Account 4003.4170.01110.5041 J? / Your Account lnformafion C REW AARDS TOTAL CREDIT LINE $20,000.00 TOTAL AVAILABLE CREDIT $1,443.85 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $1,443.85 r finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $6,799.86 0.01915% 0 RM $40.37 Cash $0.00 0.06822% D 24.90% $0.00 SpecialTrans $11,717.66 0.01641% 5.991% $59.61 ANNUAL PERCENTAGE RATE applied this period: 6.48% PLEASE PAY AT LEAST THIS AMOUNT Rewards Summary Previous available balance' 7,927 Earned this period. 417 (rdects transactions posted during this biting orb) Available Balance: 8,344 Payments, Credits & Adiustments 1 17AUG PAYMENT $400.00- Transactions 2 12 AUG DTV'DIRECTV SERVICE 800-347.3288 CA $79.58 3 13 AUG SRR'SIRIUS RADIO 888-539-7474 NY $164.24 4 14 AUG SMITTY MCGEES, INC. FEMNICK ISLAN DE $49.95 5 22 AUG PETSMART INC 1521 CARLISLE PA $122.92 Q At Your Service - Go to www.ceonabne.oom to maiage your account, Impodanl change to your Rewards travel redemptions beginning February 2010 A looking fee may apply or cat 1.600-955-7070 to report a list or stolen card a speak to Cuslomer when you call our Rewards Center to book travel using your rewards. However, you can still book travel Relations online for free at www.capitalone.com. 0 Pay Online at www.ca itabneopm or mad your payment lo: Capital One Be* (USA), N.A. • P.O. B. 71083 • Charbtle, NC 28272-1083 e Send Inquiries to: Capital One• P.O. Box 30285 • Sal Lake City, UT 84130-0265 AM& Manage your Rewards online by visiting a Cat 1A00.228-3001 ® 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.capitalorie.com/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number: 4003-4470-0655-5041 Due Date New Balance Minimum Payment Amount Enclosed Oct 05 2009 $18 556.15 $285.00 `----- PLEASE PAY AT LEAST THIS AMOU NT 1 4003447006555041 05 0000000400000285002 #9024992199033326# do ANNE S K70NENBERG 605 DEVONSHIRE DR CARLISLE, PA 17013-3605 III -III III III 1111i11Jill 1i'111'llIlllll'IrIIIII 111111111111"111 GO GREEN. SAVE GREEN! _ Pay online and save money on stamps. ` Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1D&3 1111111' 111 "11111' I I' I I I I l l l r, I I I I I I" I I' I' I I I' 1 1"I I I I I I I I' I I I I E7? ""IT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 500314 captta? Dumpster divers. Phishing scams. Pickpockets... No matter what tricks identity thieves use, you can rely on ID Alert for advanced monitoring to help keep your credit secure. And to help you recover quickly if you're ever a victim. • Daily credit monitoring at all three credit bureaus • Credit alerts to notify you of certain activity on your credit file • Up to $50,000 identity theft insurance (with no deductible) at no additional cost to you Enroll today, Go to www.myiDAlert.com/cpn T-ird parties provoirg produ;ts a-d seNirps are rot affi?!-led with (appal One 3rd are solely responsible. -or the r products and sprvl(Fs. wvae All coayrights of the other parties are owned by their. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Mirtirtllrm Porn" Due Date $18,556.15 -( $350.00 + $97.29 l+l $232.58 $18,536.02 5282.00 ? (Nov. 05, 2009 Sep. 06, 2009 - Oct. 05, 2009 Page 1 of 1 PLEASE PAY AT LEAST THIS AMOUNT Visa Platinum Account 4003.4470-0655.5041 Your Account Information ?111111w TOTAL CREDIT LINE $20,000.00 TOTAL AVAILABLE CREDIT $1,463.98 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $1,463.98 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $7,086.28 0.01915% D 6.99% $40.71 Cash $0.00 0.06822% D 24.93% $0.00 SpecialTrans $11,492.23 0.01641% 5.99% $56.58 ANNUAL PERCENTAGE RATE applied this period: 6.28% Q At Your Service - Go to www.cachabne.com Io manage you account, a Cat 1-M-955-7010 to repot a lost a stolen card a speak to Customer Relations ® Pay Online at www.cadtabne.mm or mail your payment to: COW One Bartle (USA), N.A. • P.O. Box 71083 - Charble. 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 =,== 4P- -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.cadtalone.com/disputes Rewards Summary Previous available balance' 8,344 Earned [his period: 233 (reflects transactions posted dudrg this bilrg cycla) Available Balance 8,577 Payments, Credits & Adjustments 1 21 SEP PAYMENT $350.00- Transactions 2 12 SEP DTV'DIRECTV SERVICE WO-347-3288 CA $79.58 3 19 SEP PA CRIVERNEHICLE SERV 800.932-4600 PA $153.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 05 0000000350000282005 Accou nt Number: 4003-4470-0655-5041 Due Date New Balance Minimum Payment Amount Enclosed Nov 05 2009 $18,536.02 l $282 00 J ? - - _ - --- ---- --- PLEASE PAY AT LEAST THIS AMOUNT )19027992199033323# JO ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 17013-3605 rhlllllinlllllllll,Ir?nllPhlllldllrlurlrrrlrgglururlq BE SAFE! Your trash could be an identity thieYs . gold. Manage your account online and end the paper trail. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, INC 28272-1063 IIIIIII'lll"IIII1.11-IIIIIIIrr111111'ril'l-III'll--1IIIIII1-IIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. EXHIBIT A Stay on top of your account with 500312 Capital One Online Banking. Help to save trees by signing up for paperless statements-there is always up to13 months of statement history available that you can access at any time. It's easy just log in to your account and click the Customer Service tab. With Online Banking you can: ? Check your balance and monitor transactions online 24/7-you can even sort or group them ? Schedule a payment when it works for you-in advance or on the day it's due ? Set up customizable account alerts so you know immediately when certain transactions post and more... Enroll today at www.capitalone.com Capital FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date 1 J $18,536 02 $400.00 + $120.97 +I $251.78 l $18,508.77 $306.00 Dec 07, 2009 Oct. 06, 2009 - Nov. 11, 2009 Page 1 of 1 PLEASE PAY AT (FAST THIS AMOUNT Visa Platinum Account 4003.447DA M-5041 _,NaHassile, Your Account Information REWARDS' TOTAL CREDIT LINE 320,000.00 TOTAL AVAILABLE CREDIT $1,491.23 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $1,491.23 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE appkedto rate APR CHARGE Purchases $7,396.44 0.01915% 0 6.99% $52.41 Cash $0.00 0.06822% 0 24.90% $0.00 SpecialTrans $11,292.07 0.01641% 5.99% $68.56 ANNUAL PERCENTAGE RATE applied this period: 7.77% ------- - --- --- O At Your Service - Go to mwr.cwrtabne.oom to manage your account, S or Cal 1 00-955.1010 to report a bst or slobn card or speak to Customer Relations 0 Pay Online at or mail your payment to: Capital One Bank (USA), N.A. - P.O. Box 71083 • awbtte, NC 28272-1083 A Send Inquiries to: Captal One, P.O. Box 30285 • Sal Lake City, UT 84130-0285 ® Manage your Rewards online by visiting or C? tA00-228.3001 ® 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.capitalone.com/disputes IMPORTANT INFORMATION ABOUT YOUR GRACE PERIOD: If you pay your balance in fut every month by your due date, you will enjoy an elteresl-free grace period of 25 days on new purchases. Patting 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. As previously disclosed, your promotional rate will expire soon. Please remember that beginning in January the rate that wil apply to balances subject to the Purchase and Balance Transfer rate will be a variable rate. As of 0925109 this rate was equal to 15.9%. Rewards Summary Previous available balance: 8,577 Earned this period: 252 (reflects Irwasutions posted during this biting orb) Available Balance : 8,829 Payments, Credits 3 Adjustments 1 02 NOV PAYMENT $400.00- 12 OCT DTV'DIRECTV SERVICE 800-347-3286 CA 140CT ESI'MAI L PHARMACY B 800-451-6245 PA PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALC)NE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 11 0000000400000306007 Account Number: 4003-4470-0655-5041 Due Date New Balance Minimum Payment Amount Enclosed Dec 07 2009) $18,508.77 ] ( $306.00 J _ - PLEASE PAY AT LEAST THISAMOUNT #9031692199033323# d0 ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLF, PA 17013-3605 'Illllllllllllll"Illllllllrlrl'I'IIIIIIrIIIIIrIIIyIIIIrLlrllll $79.58 $172.20 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 lllllllrlllrrlllllrllrlllllllrrllllllrrllrlrlllrllrrllllllllrll ll EM-IIBIT 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 many traditional branch banks do on many accounts. • Get the growth and convenience of saving money online • FDIC deposit insurance increased to $250,000 (through 12/31/2013) • Convenient 24/7 account access (Routine or unscheduled maintenance may impact accessibility.) MEMBER Capita - FDIC www.capitalonedirect.com 500313 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $18,508.77 -? $400.00 $96.99 $0 00 $18,205.76 $279.00 Jan. 05, 2010 - - JJ+ ---- _ ?- -- - - ...... ........... - - Nov. 12, 2009 - Dec. 11, 2009 Page 1 of 1 Visa Platinum Account 400344704655.5041 Your Account Information C" NWARDDT TOTAL CREDIT LINE $20,000.00 TOTAL AVAILABLE CREDIT $1,794.24 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $1,794.24 PtEME PAY AT LFAST THI5 AM W M As previously disclosed, your promotional rate will expire soon. Please remember that beginning in January the rate that will apply to balances subject to the Purchase and Balance Transfer rate will be a variable rate. As of 100109 this rate was equal to 15.9%. Rewards Summary Previous available balance: 8,829 Earned this period: 0 (reflads transactions posted during the Ming cycle) Available Balance: 8,829 Payments, Credits & Adjustments 1 04 DEC PAYMENT $400.0C- 1 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $7,494.46 0.01915% D 6.99% $4106 Cash $0.00 0.06622% 0 24.90% $0.00 SpecialTrans $10,954.51 001641% 5.99% $53.93 ANNUAL PERCENTAGE RATE applied this period: 6.31% O At Your Service • Go to wxw.owitabne.com m manage your a=unt, or Cat 1-BM-955.7070 m report a lost or stolen card or speak to Customer Releaons ® Pay Online at ynmccaoitalone.com or mail your paynant to: Capital One Bank (USA), N .A. • P.O. Box 71063 - Charbde, NC 28272-1083 e Send Inquiries to: Capital Onw P.O. Box 30285 • Sal Lake City, UT 84130-0285 Manage your Rewards online by visiting ® a Cal 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/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPFrALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number: 4003-4470-0655-5041 Due Date New Balance Minimum Payment Amount Enclosed Jan 05 2010 $18,205.76 $279.00 _.._., PLEASE PAY AT LEAST THIS AMOUNT 1 4003447006555041 11 0000000400000279000 #9034692199033320# JO ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 17013-3605 IIIIIIIIIIrInIhIIIIhIIIIIInIIJ11111'I1111111111'InJllnlll ORGANIZATION MADE EASY. Forget the filing. Manage your account online and simplify your life. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 I I I I I' I I I"I I I I I' 11' 1111111"111111 "I I' 1' 1 1 l' l l" 1 1 1 1 1 1 1 I' 1 1 1 1 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 500339 Coming in February A monthly statement with new clarity and changes for the better. Now that's a statement worth learning about. Preview at capitalone.com/new-statement/rewards Capl m FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date 1 -. $18,205.76 1-! $300.00 J + $98.77 + / _( $0. DO $18,004.53 ) $278.00 ) Feb 05, 2010 l l Dec. 12, 2009 -Jan. 11, 2010 Page 1 of 1 PLEASE PAY AT LEAST THIS AMOUNT Visa Platinum Account 4003.4470.0065.5041 J? Your Account Information C REWARDS- TOTAL CREDIT LINE $20,000.00 TOTAL AVAILABLE CREDIT $1,995.47 CREDIT LINE FOR CASH $10,000.00 AVAILABLE CREDIT FOR CASH $1,995.47 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $7,538.35 0.01915% 0 6.99% $44.75 Cash $0.00 0.06822% D 24.90% $0.00 SpecialTrans $10,618.47 0.01641% 5.9996 $54.02 ANNUAL PERCENTAGE RATE applied this period: 5.53% - ------ ----- .... -............ __../ p At Your Service - Go to www.cmdabne.com to manage your account, or Gat I bW-955.707D to report a lost or stolen card a speak to Customer Relations ® Pay Online at www.cantabne.oom or mail your payment to: Capital One Baik (USA), NA • P.O. Box 71093 • Charlotte, NC 28272-1083 A Send Inquiries to: Capital One- P.O. Box 30285 • Sal Lake Cry, UT $4130-0285 ® Manage your Rewards online by visiting === 1110-228-3001 is- -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/dispules As previously disclosed, your promotional rate will e)ire soon. Please remember that beginning in January the rate that will apply to balances subject to the Purchase and Balance Transfer rate will be a variable rate. As of 1125109 this rate was equal to 15.9%. 'Renewal Notice - See both sides of the first page of this statement for important renewal information related to your account. Rewards Summary Previous available balance 8,829 Earned this period. 0 (reflects transactions posted duffing this billing cycle) Available Balance' 8,829 Payments, Credits dr Adlustments 1 02 JAN PAYMENT $300.00- PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 11 0000000300000278002 Account Number: 4003-4470-0655-5041 Due Date New Balance Minimum Payment Amount Enclosed Feb. 05, 2010 ) $278.00 $18,004.53 __ ___ PLEASE PAY AT LEAST THIS AMOUNT #9001292199033328# JO ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 17013-3605 'Il'Illlllll'Illllllll'Illl'Irlllrlllllllllllllllllll'ulllllllll PAPERLESS STATEMENTS Stop waiting for the mailman. View up to 13 months of statements anytime-online. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, INC 28272-1083 IIIIIIIrlllrrIIIII-11-lllIIII--IIIIIIrrllrlrlllrlI--IIIIIIII-IIII E1 u IIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. • what's fu your wallet] JOANNE S KRONENBERG WHOOPS! 500008 It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT= GOOD CREDIT REFERENCES ' BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) CO 2009 Capital One. Capital One is a federally registered semice mark. All rights reserved. Page 1 of 2 1-500.955.7070 -- www.capitalone.com Jan. 12 - Feb. 11, 2010 31 Days in Billing Cycle LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, VISA PLATINUM )MX-XXXX-XXXX-5041 you may have to pay a 539.00 late fee and your APRs may be in creased up to the Penalty APR of 29.40%. NEW BALANCE MINIMUM PAYMENT DUE DATE $18,307.50 $655.00 Mar 08, 2010 Credit Limit: 520,000.00 PLEASE PAY AT LEAST THIS AMDUrm Cash Credit Limit: 510,000.00 Available Credit: S1,692.50 Available Credit for Cash: $1,692.50 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S18,004 53 - $0.00 + 5195.72 1 $107.25 $18,307.50 ( _.._... J l-_ `- ------ - ----- - ---2 --- 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. As previously disclosed, your promotional rate has expired. As a reminder, the rate that now applies to new and existing Purchase & Balance Transfer balances is a variable rate currently equal to 15.9%. This rate is also disclosed in the "Interest Charge Calculation" section of this statement. For more information on how variable rates are calculated, please see the back of your statement. rTRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR 10 ANNE 5 KRONENBERG #5041 TRANSACTIONS FOR JO ANNES KRONENBERG #5041 1 31 JAN NELL'S - WALNUT BOTCARLISLEPA $107.25 ? Total Transactions This Period $107.25 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 Parc e"ar Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 15.90% D $7,661.50 $103.46 Cash I 24,90% D $0.00 $0.00 SpecialTrans 5 $10,468.73 $53.26 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 11 0000000300000656004 Account Number: 4003-4470-0655-5041 Due Date New Balance Minimum Payment Amount Endosed Mar08 2010 $18307.50 I $656.00 PLEASE PAY AT LEAST THIS AMOUNT JO ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE PA 37013-3605 IIrrIIIIILIIII,I,VIII,IrI'Il'Il,l,l„..„'Illlrllllll,lll,lrlll 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 71083 Charlotte, NC 28272-1083 1111111'Ill"VIII'Il'IIIIIIIrlllllll"II'I'Ill'Il"IIIIIIII'Illl L7:1 1BIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 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 Capita. Page 2 of 2 14IW955.7070 I www.capitalone.com Jan. 12 - Feb. 11, 2010 31 Days in Billing Cyde Credit limit: $20,000.00 VISA PLATINUM )OM-XXXX-XXXX-5041 Available Credit: 51,692.50 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit limit: $to,000.00 $18,307.50 $656.00 Mar 08, 2010 Available Credit for Cash: $1,692.50 - I -- --- - --.. - - - -- -.. - - - . -] -- - - - ....... . ... . . . . )revious Balance Payments and Credits Fees and Interest Charged Transactions New Balance S18,004.53 1 (-- 50.00 + 519532 J + I $107.25 --_-_ - (- $18,301.50 _ J ____..-......-? TRANSACTIONS CONTINUED FEES 1 05 FEB PAST DUE FEE $39.00 '.., Total Fees Ths Period $39.00 Total Fees This Year $39.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $103.46 INTEREST CHARGE:SPECIAL TRANS 553.26 Total lnterestThisPeriod $156,72 Total Interest This Year $255.49 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 read[ Capital One. Eli. 1=,1T A 500360 Log in to Rewards at www.capitalone.com soon. For up-to-date rewards tracking,visit www.capitalone comlmilesrewards or simply call 1-800.229.3001 (AbHasste .d,. INTEREST CHARGE CALCULATION Page 1 of 1 1-WO-955.7070 - -- 1 www.capitalone.com Feb. 12 - Mar. 11, 2010 28 Days in Billing Cyde ..... - ._._ 1 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- 5041 paymentAmount Each Period If No Apprmdmate Time to Pay OR Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statememealance Total Cost 915.28 $17 $322.00 Apr 08, 2010 Minimum Payment 33 Years $39,736.13 , $581.71 3 Years $20,941.42 T Your estimated savings if you pay off this balance in 3 years: $18,794.71 THIS AMOUNT PLEASE PAY AT LEAS Credit Limit: $20,000.00 Cash Credit Limit: 510,000.00 If you would like information about credit counseling services, call 1-888-3268055. 084 72 di 52 l bl 084 72 Available Credit for Cash: $2 LATE PAYMENT WARNING: If Ym do not receive your minimum payment by your due date, e Cre t: , . Avai a . , _ _ you may have to pa)' a 539.00 late fee and your APRs may be increased up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 518,30750 $700.00 t 5143.05 $164.73 - $17915.28 + I _- (TRANSACTION5 REWARDS INFORMATION PAYMENTS, CREDITS & ADJUSTMENTS FOR JO ANNE 5 KRONENBERG #5041 PREVIOUS AVAILABLE REWARDS BALANCE 8,829 1 15 FEB PAYMENT ($300.00) REWARDS EARNED THIS PERIOD 165 2 08 MAR Cap 1 ElectronicPhonePmlAuthDate C7-MAR ($400.00) (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 03,11;2010 8,994 TRANSACTIONS FOR JO ANNE S KRONENBERG #5041 1 05 MAR NELCS - SPRING ROACARUSLEPA $116.15 2 09 NEAR SHADY MAPLE FARM MAEAST EARLPA 548.58 00, Total Transactions This Period $164,73 FEES Total Fees This Period $0.00 Total Fees This Year 539.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $96.18 INTEREST CHARGESPECIAL TRANS $46.87 Total Interest This Period 5143.05 Total Interest This Year 5398.54 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 15.90°9 D $7,885.27 $96.18 Cash 24.90%D $0.00 $0.00 SpecialTrans 5.99% S10,200.37 $46.87 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW,CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 11 0000000400000322007 Cq~ X Account Number: 4003-4470-0655-5041 Due Date _ New Balance Minimum Payment Amount Enclosed Apr 08, 2010 l $17,915.28 I $322.00 1 PLEASE PAY AT LEAST THIS AMOUNT d0 ANNE S KRONENBERG 605 DEVONSHIRE DR GO GREEN. SAVE GREEN! Pay online and save money on stamps. Sign up at www.rapitalone.com CARLISLE, PA 17013-3605 Capital One Bank (USA), N.A. I I 111 111 I I II II I I III Ph Box 73083 1 'II'I ' ' ' I I II' ' 11'11' II'I II11' IIII'I '11'11" I ' charlotte, NC 28272-1083 1111111'111iIIIII'II'Illllllr'111111"II'I'lll'll"11111111'llll 7"T I'll E11-"1IT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 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, 500318 Who deserves a gift card more than you7 ca?-,W?X- www.capitalone.com VISA PLATINUM NEW BALANCE $18,575.20 Credit Limit: 170,000.00 Available Credit: 51,424.80 Previous Balance ll 517,915.28 - Page 1 of 2 14MO-955.7070 wvww.capitalone.c011111 Mar, 12 Apr.11 2010 31 Days m BillingCyde _ 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: XXXX-XXXX•XXXX-5041 Paymem Amount Each Period tfNo Approximate Time to Pry Off Estimated MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total Cost $41,417.75 $355.00 May 08, 2010 Minimum Payment 33 Years bcos.l l 3 Years $21,819.91 PLEASE PAY AT (FAST THIS AMOUNT Your estimated savings B you pay off this balance in 3 years: $19,597.84 Cash Credit Limit: S 10,000.00 If you would like information about credit counseling services, call 1-888.3268055. Available Credit for Cash: 51,424.80 LATE PAYMENT WARNING: It we do not receive your minimum payment by your due date, you may have to pay a 539.00 late fee and your APRs may be increased up to the Penalty APR of 29.40%. Payments and Credits Fees and Interest Charged Transactions New Balance $889.94 - $18575.20 $400.00 I t 5169.98 --i } TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR JO ANNE 5 KRONENBERG #5041 1 05 APR PAYMENT ($400.00) TRANSACTIONS FOR JO ANNES KRONENBERG #5041 1 11 MAR APPLEB EES973307101116CARU5LEPA $65.83 2 11 MARMONAVIES01-74831000T $148.50 3 14 MAP BEACH COVE RESORTN MYRTLE BEACSC $530.61 ARRNE: 03114110 4 19 MAP SHELL OIL 54534140022 FREDERICK'BURVA $70.00 5 23 MAP SHEETZ 00002634CARUSLEPA $75.00 10- Total Transactions This Period $889.94 FEES INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Fees This Period $0.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Fees This Year S39.00 Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Transactions continue on page 2 REWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE 8,994 REWARDS EARNED THIS PERIOD 891 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 0411112010 9,885 For up-to-date rewards tracking, visit www.capitalone.com1milesrewerds QINOH&-1, * rewards or simply call t -WO-ZZS-3001 INTEREST CHARGE CALCULATION 5119.93 Purchases 15.90% D $8,881.32 $119.93 Cash 24.90% 0 $0.00 $0.00 SpecialTrans 599% $9,838.74 $50.05 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 11 0000000400000355007 Account Number: 4003-4470-0655-5041 / -_ Due Date New Balance- Minimum Payment Amount Endosed May 08, 2010 , $18,575.20 J $355.00 - -....- ---- --- -- PLEASE PAY AT LEAST THIS AMOUNT do ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 37013-3605 IIIII,IrLllllrrrlrrllllll'I'IIIILIrI,Illllllllllllllllr,rr?rrr, BE SAFE! Your trash could be an identity thiefs . gold. Manage your account online and end the paper trail. 1 Sign up at www.capitalone.com Capital One Bank (USA), N.A. Box 71083 P.O. Charlotte, NC 28272-1083 1111111'III"Illlirll'Illllllrrllllll"IlrlEllirll"IIIIIIII'Illl E? IT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 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 1.000.955.7070 r www.capitalone.com Mar, 12 Apr. 11, 2010 31 Days in Billing Cyde Credit Limit: $20,000.00 VISA PLATINUM XXXX-XXXX-XXXX-5041 Available Credit: 51,424,80 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limit: $10,000.00 $18,575.20 $355.00 MaY08,2010 Available Credit for Cash: $1,424.80 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 517,915.28 - $400.00 + 5169.98 + $889,94 c $18575.20 - ....................... ........ TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGPSPECIAL TRANS Total Interest This Period Total Interest This Year S 50.0S $169.98 $568.52 EM-11BIT A 500318 ) C?d Who deserves a gift card more than you? cnp?- www.capitalone.com Page 1 of 2 1.500.955.7070 Apr• 12 May 11, 2010 30 Days in Billing Cyde www.capiitalone.com MINIMUM PAYMENT WARNING: R you make only the minimum payment each period, you will pay more in interest and it wo lake you longer to pay off your balance. For example: VISA PLATINUM 100(X-XX)X-10(XX-5041 Payment Amount Each Period R No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Sfalernant Balance Total Cost 88 $18 683 $356.00 Jun 08, 2010 Minimum Payment 33 Years $42,268.49 -- - -- ...._._ -- ---- ? - , . 3Years E22,261,48 8.37 S61 A Your estimated savings t you pay off this balance in 3 years: $20,007.01 THIS AMOIIm LEA PLEASE PAY Al Credit Limd: $20,000.00 Cash Credit Limit' S 10,000.00 If you would like information about credit counseling services, call 1.888.32F8055. LATE PAYMENT WARNING: H we do not receive your.. inknum payment by your due date, Available Credit: S 1,116.12 Available Credit for Cash: $1,116.12 you may have to pay a 539.00 late fee and your APRs may be Increased up to the Penalty APR of 29.4096. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - - --- l 20 - 518 575 -- 1 S 167.38 r $455.00 J + ?I 1 + 5596.30 - S 18 883.88 , . J • iTRANSACT10N5 PAYMENTS, CREDITS & ADJUSTMENTS FORDO ANNE S KRONENBERG #5041 1 D4 MAY Cap 1 ElectronicPhonePmtkuthDate 04-MAY ($455.00) TRANSACTIONS FOR JO ANNES KRONENBERG #5041 1 14 APR HESS38252CARUSLEPA $60.07 2 15 APR ONSTAR SUSSCRIPTION888AONSTARMI $3.79 3 16 APR GARY & DELL'S CRABHOUSEWESTMINSTERMO $70.00 4 25 APR SHEETZ 00002634CARUSLEPA $66.00 5 29 APR HESS38252CARUSLEPA $75.00 6 09 MAY Bl WHOLESALE #0025CAMP HILLPA $276.44 7 09 MAY BJ WHOLESALE #0025CAMP HILLPA $45.00 110- Total Transactions This Period $596.30 REWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE 9,885 REWARDS EARNED THIS PERIOD 596 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 05,+11%2010 10,481 For up-to-date rewards tracking, visit www.capkelone.comlmilesrewwds Q/Af0MNR le rewards or simply call 14I00.228.3001 INTEREST CHARGE CALCULATION FEES Your Annual Percentape Rte (APR) is the annual interest rate on your account. Total Fees "Ms Period $0.00 Annual Percentage Balance Sufajact to Interast Ch e Total Fees This Year 539.00 Type of Balance Rate (APR) Interest Nab Purchases 15.90% D $9,213.16 $120.40 Cash 24.90%0 50.00 $0.00 SpecialTrans 5.99% $9,543.37 $46.98 Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 11 0000000455000356000 -;m Account Number: 4003-4470.0655-5041 Due Date New Balance Minimum Payment Amount Enclosed Jun 08, 2010 1 $18,883.88 $356.00 C - ' --- ----.._-- PLEASE PAY AT LEAST THIS AMOUNT GO PAPERLESS! The trees will thank you. Sign up at www.capitalone.com 400010 do ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 37013-3605 Capital One Bank (USA), N.A. P.O. Box 71083 III"IlllllrIII'I'111111,r„I,I.lllllll,II,III,IIII"IIIIIIIIIIII Charlotte, NC 28272-1083 lllllll'ill"VIII'II'Illllllrrllllll"II'I'lll'll"IIIIIIII'llll E?a?T A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 1- 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 1.800.955-7070 www.capitalone.com l Apr• 12 - May.11, 2010 30 Days in Billing Cyde Credit Limit: 520,000.00 VISA PLATINUM XXXX-XXXX-XXXX-5041 Available Credit: $1,116.12 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limit: $10,000.00 $18,883,88 $356.00 Jun 08, 2010 Available Credit for Cash: 81,116.12 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - --- - - 518,575.20 - ( $455.00 J } 1 5167.38 11 } r 5596.30 I - ------ --- -------- - - 515 583 88 TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE: PURCHASES $120.40 INTEREST CHARGE: SPECIAL TRANS 546.96 Total Interest This Period $167.38 Total Interest This Year $735.90 Please note that in your newly revised Customer Agreement, issued in early 2010, the Arbitration Agreement has been removed. E1X IPIT A 500008 ca?-j;;X- is your wallet) It could happen to anyone. Make sure you pay the amount JOANNE 5 KRONENBERG due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS, do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 0 2009 capital One. Capital One is a federally registered jemice mark. All rights retenad. - - ....... --- . -- -- Page 1 of 2 1-800.955.7070 May. 12 tun 11, 2010 31 Days in RlOtng Cycle www.capitalone.com J MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it writ take you longer to pay off your balance. For example: VISA PLATINUM )0()(X-XXXX•XXXX-5041 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance- Total Cost Jul 08, 2010 MinimumPaymem 34 Years $44,981 $20,187.75 $780.00 If you would like information about credit counseling services, call t 898-3168055. LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, PLEASE PAY AT LEAST THIS AMOUNT '?- Cash Credit Limit: S 10,000,00 you may have to pay a 539.00 late fee and your APRs may be increased up to the Penalty Credit Limit: 520,000.00 APR of 29.409e. Available Credit: 50.00 Available Credit for Cash: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions- New Balance -- - -- - S18,883a8 I - $000 1 + 5222.86 + $1081.01 j 520187.75 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. ! Help is Available. TRA"SA`T'°NS Just pick up the phone. PAYMENTS, CREDITS & ADJUSTMENTS FOR JO ANNE 5 KRONENBERG #5041 TRANSACTIONS FOR JO ANNES KRONENBERG #5041 1 12 MAY DTV'DIRECTV SERVICE800-347-32&3CA $77.88 2 12 MAY KMART 7746CARUSLEPA $63.58 3 15 MAY ONSTAR SUBSCRIPTIONS88AONSTARMI $18.95 4 27 MAY HESS 383SBCARUSLEPA $75.00 5 29 MAY EXTENDED5TAY #2716FISHKILLNY $128.94 ARRIVE: 05129I10 5 29 MAY CRACKER BARREL #350FISHKILLNY $24.92 7 29 MAY RUTTER'S FARM STORES #CARUSLEPA $54.61 8 31 MAY SHAW S MARKET #7551 WATERVIU_EME $302.35 9 07 JUN HAMLINS MARINEWATERVILLEM4E $85.04 10 08JUN SHAW'SMARKET#7551WATERVILLEME $141,61 11 08 JUN SUPER SHOE 41241AIATERVILLEME $108.13 ? Total Transactions This Period $1,081.01 Transactions continue on page 2 Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases I 15.90%D $1Q100.66 $136.40 Cash 24.90% D $0.00 $0.00 SpecialTrans 5.99% $9,330.09 $47.46 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 11 0000000455000780006 Gtpif Account Number: 4003-4470-0655-5041 Due Date New Balance Minimum Payment Amount Enclosed Jul 08, 2010 1 ? $20,187.75 ? $780.00 PLEASE PAY AT LEAST THIS AMOUNT Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information AQ Manage your account in privacy 400006 d0 ANNE S KRONENBER6 605 DEVONSHIRE DR CARLISLE, PA 37013-3605 Capital One Bank (USA), N.A. P.O. Box 71063 II'Ill'1111'1'111111'II'Ill'Illl'Illllllllll'1"'I'II"IIIIIIIIII Charlotte, NC 26272-1083 1111111'III"11111'1 I'111111IrrII III I"II'I'III'II"I1111111'IIII Aa.,,.1j1T A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 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 1-800.955.7070 www.capitalone.com May. 12 tun. 11, 2010 31 Days in Billing Cyde Credit limit: $20,000.00 VISA PLATINUM XXXX-XXXX-XXXX-5041 Available Credit: $0.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit limit: $to,000.00 $20,187.75 $780.00 Jul 08, 2010 Available Credit for Cash: $0.00 Previous Balance Payments and Credits Fees and Interest Charged ? Transactions 1 New Balance 15 $20187 518,883.88 I - ( $0.00 5222.86 + + l 510810 J = . --- (TRANSACTIONS CONTINUED FEES 1 08 JUN PAST DUE FEE $39.00 Total Fees This Period $39.00 Total Fees This Year $78.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $136.40 INTEREST CHARGE: SPECIAL TRANS 547.46 Total Interest This Period s183.86 Total Interest This 'fear $919.76 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. E]Z-IIEIT A C?in your wallet? MAKE A PAYMENT. AND TAKE CONTROL 500010 OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. (L 200Y Capital One. Capital One is a federally registered sm-icr >nark. All rights resmjed - - -- Page t of 2 14500.955.7070 ( Jul. 12 Aug 11, 2010 31 Days in Oiling Cycle www.capitalone.com _ - --' I 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-5041 Payment Amount Each Period ONO Approximate Time tc Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balanca_ ____ Total Cost 652.14 520 51,654.00 Sep 08, 2010 Minimum Payment 34 Yearn I 545,066 , If you would like information about credit tinseling services, call 1-888-32G8055. PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a S39.00 late fee and your APRs may be increased up to the Penalty Credit Limit: $20,000.00 Cash Credit Limit: 510, 000.00 APR of 29.40%. Available Credit: $0.00 Available Credit for Cash: 50.00 ) Previous Balance Payments and Credits Fees and Interest Charged -- 520,415 44 - 50.00 + 5236.70 J You're behind by three payments. But you can bring your account current by paying the minimum payment amount on your statement. If you're having financial difficulties and ,you're feeling uverwhelmed - we want to help. Give one of our associates a Call at 1.800.955.6600. You'd be surprised what we can do together to work this out. CTRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JO ANNE S KRONENBERG #5041 Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. FEES 1 09 AUG PAST DUE FEE 539.00 Total Fees INS Period S39.00 Total Fees This Year $1 56.0D INTEREST CHARGE CALCULATION INTEREST CHARGED INTEREST CHARGE: PURCHASES 5149.76 INTEREST CHARGESPECIAL TRANS $47.94 Total Interest This Period 5197.70 Total Interest This Year 51,306.1 S Transactions continue on page 2 Purchases I 15.90%D I 511,090.63 I 5149.76 Cash 24.90% D 50.00 $0.00 SpedalTrans 5.99% $9,423.94 $47.94 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WLAIW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 11 0000000455001654007 C It- W Number: 4003-4470-0655.5041 Due Date New Balance Minimum Payment Amount Enclosed Sep 08, 2010 $20,652.14 $1,654.00 PLEASE PAY AT LEAST THIS AMOUNT Jo ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 37013-3605 Capital One Bank (USA), N. A. P•0• Box 71083 '1111'11"'111111"1111'I'IIIIIII'I'II""1'1111111"I111111'I111 charlotte, NC 215272-1083 IIIII11i111iI1111'11'1111111"111111"II'1'111i11"IIIIIIII-I III TTE IT A E3" Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Help is Available. j lust pick up the phone, 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 Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information A;a Manage your account in privacy 400006 Transactions New Balance1 + 50.00 = $20,652.14 JO ANNES KRONENBERG (74? 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 Cap" Page Z of 2 1.400.955.7070 - l www capitalone.com Jul. 12 Aug. 1 1,201 0 31 Days in &Ming Cyde ` J .ul ..... .._ 00 00 Credit limit: . $20,0 Visa Platinum XXXX•XXXX-)XXX-5041 Available Credit: $0.00 NEW BALANCE MINIMUM PAYMENT DUE DATE I Cash Credit Limn. $10,000.1 l $20,652.14 - $1,654.00 ' - - -- Sep 08, 2010 --- - Available Credit for Cash: - $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 520,41514 - ( $0.00 J } 5236.70 } $0.00 = ..__- $20,652.14 __ 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. E1ZY:SIT A TAKE CONTROL OF YOUR CAPITAL ONE" ACCOUNT AND KEEP IT FROM BEING wJtat a to your wallet? PERMANENTLY UNUSABLE. 500011 We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. CO 2009 Capital One. C:apiW One is rt fiderally registered service mark. AA righn reserved. Page 1 of 2 14900.955.7070 . . ..... j Aug 12 Sep 11 2010 31 Days in Ndbng Cycle I www.capitalone.com l MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it VAII take you longer to pay off your balance. For example: Visa Platinum XXXX-XXXX-XXXX-5041 PaymentAmount Each Period If No Approdmate Time to Pry Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $20 877.65 $2,089-00 Od 09, 2010 Minimum Payment 33 Years $45,073 , If you would like information about credit counseling services, call 1-888-3268055. PLEASE PAY AT LEAST THIS AMW NT LATE PAYMENT WARNING: If we do not receive Your minimum payment by your due date, III you may have to pay a late fee of up to 535.00 and your APRs may be increased up to the Credit Cash Credit Limit: S t 0, 000.00 Penalty APR of 29.40%. Available Credit: S0.00 Available Credit tot Cash: $0.00 Previous Balance Payments and Credits Fees and interest charged Transactions New Balance _-- -/ L 510,652 14 - 50.00 J } 5225.51 l } SD.00 $20,877.65 -- - -? - .-._- ?. 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 i ' /, on. ll work together to find a solut 1,900.955.6600.We VaIIab'Qa Help IS A ___ _ SACTIONS TRAN S FOR JO ANNE 5 KRONENBERG #5041 + pick up + the phone. lust PAYMENTS, CREDITS & ADJUSTMENT Call 1-800-955-6600 and a specially trained agent will FEES I be happy to help you check your balance and make payments. 1 08 SEP PAS] DUE FEE 525.00 Total Fees This Period 525.00 Total Fees This Year $181.00 , INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES 5152.32 INTEREST CHARGE:SPECIAL TRANS $48.19 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Interest This Period 5200.51 Type of Balance Annual Percentage Balance Subject to Interest Charge Total Interest This Year $1,506.66 Rate (APR) Interest Rate 511,280.08 $152.32 1540%D Purchases I I Cash 24.90%0 50.00 $0.00 SpedalTrans 5.99% $9,472.00 548.19 Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 11 0000000455002088001 CAW-;? Account Number: 4003.4470-0655-5041 Due Date New Balance Minimum Payment Amount Enclosed Oct 08, 2010 $20,877.65 $2,088.00 PLEASE PAY AT LEAST THIS AMOUNT Take advantage. Take control. Manage your account online at lfvww.capitalone.com Make payments Review account information 49 Manage your account in privacy 40000! JO ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 37013-3605 Capital One Bank (USA), N.A. P•0• Box 71083 111'I11'11I111'II'I'1111-0-11111,111-11-111111111'iII"1'1'11' Charlotte, NC 28272-1083 IIIIIII'lll"IIIII'l l'I Illlllrrlllll I"II'I'lll'11"11111111'1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JO ANNE S KRONENBERG 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 Calm ---------- ----- 1 Page 2 of 2 14500-955.7070 - www.capitalone-com Aug. 12 Sep. 11, 2010 31 Days in Billing Cycle Credit Limit: $20,000.00 Visa Platinum XXXX-XXXX-XXXX-5041 Available Credit: $0.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limit: $10,000.00 $20,877.65 $2,088.00 Oct 08, 2010 I Available Credit for Cash: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 520,652.14 ?_ -- s0.00 + - 5225.51 J + l -- -- SD .00 .00 420 877.65 - 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, vve recommend that you allow at least 7 business days for your minimum payment to reach Capital One. LL i._ ;.tilri 1 A A 500525 0 important notification p 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 C Please note that these same changes are being made to both older and newer accounts swna in an effort to consistently implement laws that only recently became effective. Page 1 of 3 1-SM955.7070 www.capitalone.com Sep 12 Od 11 2010 30 flays in Billing Cycle 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-5041 Payment Amount Each Period If No Apprormnate Time tc Pay OH Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Am Made statement Balance Total Cost _ - - - - - -- 22 $21 099 $2,520.00 Nov 08, 2010 33 Years ,085 Minimum Payment 545 1 ? , . If you would like information about credit counseling services, call t -a88-326-8055. PLEASE PAY At LEAST THIS AMDUW LATE PAYMENT WARNING: It we do not receive your minimum payment by your due date, you may have to pay a late fee of up to 535.00 and your APRs may be increased up to the Credit Limit: $20,000.00 Cash Credit Limit: S 10,000.00 Penalty APR of 29.40%. Available Credit: S0.00 Available Credit for Cash: $0.00 - Previous Balance Payments and Credits Fees and Interest Charged - Transactions New Balance S20,87765 - $0.00 + ( 5221.57 I + $0.00 I = $21,099.22 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 us at 1.800.955.6600. We'll work with you to resolve this matter. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOANNE S KRONEN BERG #5041 Help is Available. Just pick up the phone. FEES 1 08 OCT PAST DUE FEE 525.00 Total Fees This Period S25.00 Total Fee< This Year $206.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES S149.71 INTEREST CHARGE:SPECWL TRANS $46.86 Total Interest This Period 5196.57 Total Interest This Year $1,703.23 Transactions continue on page 2 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 15.90%D I $11,456.20 $149.71 Cash 24.90% D $0.00 $0.00 SpecialTrans 5.99% $9,519.55 I $46.86 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 11 0000000455002520007 C Account Number: 4003-4470.0655-5041 Due Date New Balance Minimum Payment Amount Enclosed C` Nov 08, 2010 821,099.22 ) $2,520.00 J ``-- - PLEASE PAY AT LEAST THIS AMOUNT Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information Manage your account in privacy 400D06 JO ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE. PA 37013-3605 Capital One Bank (USA), N. A. P•0• Box 71083 I111111'Illl'Ill'Illl"I'll"'111111rlllllllll,llrlll'Illl•II1111 Charlotte, NC 26272-1083 EIEIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. r t 500012 M Let's work together 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. U 2009 Capital One. Capital One is a federally rrgisterrd, mire mark. All right, reserved. 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! -- - - Page 2 of 3 14100.955.7070 www.capiitalone.com l Sep. 12 Od.11, 2010 30 Days in Billing Cycl e Credit Limit: $20,000.00 Visa Platinum XXXX-XXXX-XXXX-5041 Available Credit: s0. 0o NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limn: $10.000 DO $21,099.22 $2,520.00 Nov 08, 2010 Available Credit for Cash: so.00 -- Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 877.65 520 - $0.00 1 + 5221.57 J } ( $0.00 $21099.22 , - - (-TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this lee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. i I - E? --J IT A C -1; P M what's in your wallet? JO ANNE S KRONENBERG what's in your waf/et7 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 fae check by phone service or speak to an associate by calling 1.800.955.6600. M Make sure you call or pay the amount due on your statement by the due cate to eliminate the risk of beiig charged off. C 2009 Capital One. Capital One is a federally registered nrvin mark. All rights mewed. - ..... -....... Page 1 of 2 1400.955.7070 12 Nov. 11, 2010 31 Days in Billing Cycle Oct www.capitalone.com . MINIMUM PAYMENT WARNING: II you make only the minimum payment each period, you will pay more in interest and A will take you longer to pay off your balance. For example: Visa Platinum XXXX-XXXX-XXXX-5041 PaymentAmount Each Period If No Apprmdmate Time to Pry OH Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost _... _.... - ----- 340.01 $21 $2,974.00 Dec 08, 2010 Minimum Payment 33 Years I 545,126 , If you would like information about credit counseling services, call 1.888-326-8055. 1111 PAY Al l ll THIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to 535.00 and your APRs may be increased up to the Credit Limit: $20,000.00 Cash Credit Limit: S 10,000.00 Penalty APR of 29.40%. Available Cred50.00 Available Credillor Cash: $0.00 Previous Balance Payments and Credits Fees and interest charged Transact- New Balance -- - $D.DD S21,340.01 521,099 72 1 ? $0.00 ? + 5240.79 + L You're behind by six payments. 9 we charge off your account due to late or missed payments, finance charges will continue to accrue. Ad now to prevent this from happening. Please pay the minimum payment amount on your statement or give us a call at 1.800955.6600. We're here to help. Take control of your credit with Capital One. TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FORDO ANNE S KRONENBERG #5041 FEES 1 08 NOV PAST DUE FEE S35.00 Total Fees This Period S35.00 Total Fees This Year $241.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES 5157.12 INTEREST CHARGESPECWL TRANS $48.67 Total Interest This period S205.79 Total Interest This Year $1,909.02 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specialty 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 BalanceSubject to Interest charge Rate (APR) Interest Rate Purchases 15.90%D 511,635.71 $157.12 Ca 5h SpecialTrans 2 5 9 %D S9S567 29 1 148.57 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 11 0000000455002974008 GIIII?* Account Number: 4003.4470-0655-5041 Due Date New Balance Minimum Payment Amount Enclosed Dec 08, 2010 ) ( $21,340.01 , $2,974.00 PLEASE PAY AT LEAST THIS AMOUNT Take advantage. Take control. Manage your account online at www.capitalone.com Make payments AQ Review account information Manage your account in privacy 400006 JO ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 17013-3605 Capital One ark (USA), N. A. 9•0• Box 71083 1"II"1111'1",Ilrr1111111111,1111"11'II1'1111'11'1111111'Ill'r Charlotte, NC 26272-1083 1111111'111i11111'11'lllllllr'111111"II'1'lll'll"IIIIIIII'llll YI? IT A AJ ?( sa Please make checks payable to capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 10 ANNE S KRONENBERG , 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 Ica" ---- Page 2 of 2 14MO-955.7070 www.capitalone.com Oct. 12 Nov. 11, 2010 31 Days in Billing Cycle I CreditLimil: $20,000.00 Visa Platinum XXXX-XXXX-XXXX-5041 Available Credit: $0.00 i NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limit: $10,000.00 $21,340.01 $2,974.00 Dec 08, 2010 J Available Credit for Cash: f0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions - - - New Balance- - - --- - 099.22 l 521 -- ----- - ( $0.00 -- -- - 524019 l } } l ( ? $0.00 J ll $21,340.01 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. I E=BIT A r 500343 Ca?p y t Your account works differently now that you're 7 payments late. Please see the next page for important account information. Page 1 of 2 1.500.258-9319 Cycle .COM/SolUtions Nov. 12 Dec nzolo 30 Days in BiWn www.capitalone.COM/SolUtions IMPORTANT ACCOUNT UPDATES Visa Platinum 4003-4470-0655-5041 Your ful balance is due. Any payment you make will reduce your balance and help pay off NEW BALANCE PAYMENT DUE DUE DATE Your debt faster. The amount you owe may differ if you've entered into aseparate payment agreement. $21,576.90 $21,576.90 PAST DUE Available Credn 50.00 Previous Balance Payments and Credits Fees and interest charged 521,34001 - $0.00 + S236.89 + CTRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FORJO ANNE S KRONENBERG #5041 FEES 1 08 DEC PAST DUE FEE Total Fees This Period Total Fees This Year S35.00 535.00 $276.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES INTEREST CHARGE:SPECIAL TRANS Total Interest This Period Total Interest This Year Transactions New Balance $0.00 = 521576.90 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. 5154.55 $47.34 5201.89 42,1 10.91 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to Interest Charge Type of Balance Rate (APR) Interest Rate Purchases I 15.0.0% D $11,826.69 $154.55 Cash ',,90%0 50.00 50.00 Specianram 5.99% $9,615.30 $47.34 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE. 1 4003447006555041 11 0000000455000000000 Account Number: 4003.4470.0655.5041 Due Date New Balance Amount Enclosed Past Due $21,576.90 J / .. .. .... .. Manage your account online. AQ Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. 400004 do ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE. PA 17013-3605 Capital One Bank (USA), N.A. P•0• Box 71083 IIIII1111'IF, ,,-IIIlllll"IIIII"111'I'Illllllll'Ill'I'Ill'1ll' Charlotte, NC 211272-1083 nlllh'III"Ilhl'h'llllnl"Ihlh"II'I'lll'll"IIIIIIII'llll -'r r'BIT A 1 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 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. Gapil "a?ie TRANSACTIONS _ PAYMENTS, CREDITS & ADJUSTMENTS FOR JO ANNE S KRONENBERG #5041 FEES Total Fees This Period $0.00 Total Fees This Year 50.00 INTEREST CHARGED 1 15 DEC INTEREST CHARGE $7.08 2 15 JAN INTEREST CHARGE 5109.77 3 15 FEB INTEREST CHARGE 5109.77 4 10 MAR INTEREST CHARGE $81.44 Total Interest This Period 5308.06 Total Interest This Year S308.06 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 Subiect Interest Charge o Rate (APR) to Interest Rate Interest Bearing 5.990% I 521,576.55 1 5308.06 1 4003447006555041 10 0000000000000000000 Page 1 of 1 14100-258-9319 I Dec. 13 • Mar. 10, 2011 www.ca p ita lone-co m/solut ions VISA PLATINUM 4003-4470.0655.5041 IMPORTANT ACCOUNT UPDATES Your full balance is due. Any payment you make vall reduce your NEW BALANCE PAYMENT DUE DUE DATE balance and help pay off your debt faster. The amount you owe may differ it you've entered into a separate payment agreement. i $21,884.96 $21,884.96 Past Due Available Credit: SO.00 Previous Balance Payments and Credits Fees Interest Charged New Balance + 5308.D6 _ S21884.96 521,57690 J 50.00 `-- - ----. - _i _ - - _--- _.__ -- G'am' Account Number: 4003-4470-0655.5041 Due Date New Balance Amount Enclosed Past Due $21,884.96 JO ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 17013-3605 Manage your account online. visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. Capital One Bank (USA), N.A. P•0• BOX 71083 CHARLOTTE, NC 28272-1083 '11111'1"I'?III?IIIIIII11111'1'1'1'11111"'111'1'1"II'Il'ILI11 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. z P4 H x I U N H H H r -1 E-4 U) N O aL W \ H 0 P.'. co 1 W .. w \ a O O H U ri O a, O O o 0 ri) w .. .. O o O H 0 a z 0 0 0 a 0 w O o O H H U .? A O O O I ? i UU P4 C) 0 U E--, O H A W A r3.1 P- 0 0 Q [L1 a O ?C rn O 0) m 0) W O zz I x ?c? ° x `n ro o a Q w 7 I o .. -i O U H A U f.>a U U O r-I u w u O O O o u] ?` O O O \ O co O O N O O 0 O ?D O N O r"I H H O O l0 . 0 Ln O H 2f), p Ln N d' \ M M r? r-I r M O W M OD l0 N ri •• N A Ur + O O O a z 0 0 0 0 x x u O ri li 134 U W .?-I H 0) O O C) 0 04 N N O S O ? a z U 0 O OD D Ln w \ H al o W H y r A W. a o a U a4 CQ .. H W w 0; a H a z au wa 0zCQ quo a z u W o z U ? (Y) . H H O H U O O O a 0 0 0 N H o\o a H 7 N r O 0 0 It 0) O q H W Q.` O O O d' O U] [Tl O O H O w O N o H H o o O H a C7 N 'IT d H H r-I rn N z z o 0 w m UUU Ln N w u w H w PG p o U a F 0 z 0 H M ~ o o " H H ?u] U m .. O rn C7 Z ri F?t W H ro ro W C- E. a H A 04 Iq H u N r, w > 4 z z ? j H A FC 74 P4 O u - F4 .. .. 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N U) N N I 0 H 0 -1 ri O H a N GI O O O O O ?-1 O O Ln r' 1 O O O O Ln M O O • O 0 L) O d r .. .. M •• Lf) d' I H U1 I H H U) H H H H P7 W ?4 Pq Q Q H Q H O O 0 z o O O N h C)) O O O 1 Kv K4 K4 W W W ' O ? Z H H H H H r.>± 1 H H aa, z C14 a a s a a w H 1 Q) -I O o uU] O ul I W W A W A PU4 W ?` >+ H >+ H a (a H H H .. .. , w vHixxa p aa? o u z W B z W H H I I r u a HH U I U) ' H Ul H x R' P: I H W w ' 0 04 04 04 W. W O W x W W U)zwzz z o z z z U z U [H-1 w " ° w ? w U C4 H z P.'. ?4 P; FZ4 m W U) w I E- I 1 H O H O WOO W O O w PHq FD p o Kr o 0 P4 •• W N •• A N N I O r-I H I O O P N zzzzHrl'1' HN HN li I I I?«IIIIIT A 1 0 20110805 CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JO ANNE S KRONENBERG 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: _ "? VN? tephen H)ardy?kA N00000038113782 040698342 A088 HAYT, HAYT & LANDAU IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK NUMBER: 11-7033 CIV, VS. 1 -rl JO ANNE S KRONENBERG T' > -t PRAECIPE FOR DEFAULT JUDGMENT AND ASSESSMENT OF DAMAGE, -CD TO THE PROTHONOTARY: Kindly enter judgment in favor of Plaintiff and against the Defendant(s) JO ANNE S KRONENBERG for failure to answer Plaintiff's Complaint, endorsed with twenty (20) day notice to plead, served upon Defendant(s) on SEPTEMBER 16, 2011 and assess damages as follows: Unpaid Balance: $21,576.90 Plus Interest: $1,062.47 Additional Charges: $.00 Plus Attorney's Fees: $.00 Less Credits, if any: $.00 TOTAL DUE: Pursuant to PaR.C.P.237.1, I hereby certify that notice to fi this Praecipe was mailed to the above named Defendant(s) and the t orney of Record (if applicable) on OCTOBER 12, 2011 and copy/co s of the same is/are attached hereto. By: ARTHUR LASHIN, ESQUIRE Attorney for the Plaintiff LAW OFFICES OF HAYT, HAYT & LANDAU, LLC 123 S. Broad Street Suite 1660 Philadelphia, Pennsylvania 19109-1003 (215) 928-1400 Qr' u)Y.C&r_ / C?? 1st 3?a ?.? ate ? oc? a A COURT OF COMMON PLEAS VERIFICATION OF NON-MILITARY SERVICE CAPITAL ONE BANK COMMONWEALTH OF PENNSYLVANIA - VS - COUNTY OF PHILADELPHIA JO ANNE S KRONENBERG I represent the Plaintiff in the above entitled case and am authorized to make this verification. I make this verification on behalf of the Plaintiff upon information and belief: the above named Defendant(s) is/are 18+ years of age; the address of the Defendant(s) is/are JO ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE, PA 17013 the occupation of Defendant(s) is unknown; and the Defendants is/are not in the Military Service of the United States, nor any Sta a of Territory thereof and its Allies as defined by the Servicem rs Civil Relief Act, 50 U.S.C. section 521. .71 By: rucinux 1a[i1)n11V, t;squlre, Attorney for Plaintiff I verify that the statements made in this verification are ue and correct upon information and belief. I understand that f s statements herein are made subject to the penalties of C.S.A section 4904 relating to unsworn falsification to autho1 es. By: rucrnux 1lk.ShiN, Esquire, Attorney for Plaintiff 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 CAPITAL ONE BANK 4851 COX ROAD GLEN ALLEN, VA 23060 Attorney for Plaintiff DATE: OCTOBER 12, 2011 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION VS. ) TERM. JO ANNE S KRONENBERG 605 DEVONSHIRE DR CARLISLE PA 17013 No. 11-7033 CIVIL NOTICE OF INTENTION TO TAKE DEFAULT PURSUANT TO PA.R.C.P 237.1 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this paper to your lawyer at once, if you do not have a lawyer, go to or telephone the office set forth below. This office can provide you with information about hiring a lawyer. If you cannot afford to hire a lawyer, this office may be able to provide you with information about agencies that may offer legal services to eligible persons at a reduced fee or no fee. CUMBERLAND COUNTY 2 LIBERTY AVENUE CARLISLE PA, 17013 717-249-3166 By: