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ROTHON E 0V THE P NARY 1011 NOV !0 PM 2: 44 CU "BENS yD LVANIANTY 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. 392786 Attorney for Plaintiff CAPITAL ONE BANK 4851 COX ROAD GLEN ALLEN, VA 23060 VS. JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG PA 17055 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION TERM. No. //- 8Ygd CIVIL ACTION "NOTICE "You have been sued In court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims sat forth against you. You are worried that If you fail to do so the case may proceed without you and a judgment nay be en- tered against you by the court without further notice for any mon- ey claimed in the complaint or for any other claim or relief request- ed by the plaintiff. You may lose money or property or other rights Important to you. IF YOU CANNOT AFFORD TO HIRE A LAWYBR,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 "AVISO "Le han demandedo a usted on Is oorts. SI usted qulere defenders de setae demandas expusetes on We pdgines siguisntes, usted tone veints (20) dies, do piazo al patir de Is Ischia de Is demands y Is notiflcsoidn. Haoe fake asentar une cor parencia escr to o on persons o con un abogedo y entoger a Is oorte on forms esorta am defenses o sue objsokmes a ias demandas an contra de su persons. Sea avisedo quo ai ustsd no to defionde, la corts tonnari medidas y puede oontinuar lv dementia en oontra suya sin previo aviso o notitiosoidn. Ademis. Is oorte pusds decidir a favor del demandable y requiere quo usted cumpia con todas Is* provisions de esto demands. Usted puede parder dinero o sus propledodes u otros derechos important** pore usted. "LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NOTIENE ABOGADO O SI NO TIENE EL DINERO SLIMENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELtFONO A LA OFICINA CUYA DIRE=6N SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD STREET CARLISLE PA, 17013 800-990-9108 ??• 00 /9C 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) JEFFREY R LICHTEL is/are individual(s) residing at: 13 KOWER CT, MECHANICSBURG, PA 17055. 3. Upon application by Defendant(s) a Credit/Revolving Charge Account was established for Defendant(s), which was assigned account number 5291491760783025. 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: $16,496.47 Interest: $741.66 TOTAL DUE: 17,238.13 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 $17,238.13 together with interest and costs. LAW OFFICES OF HAYT, HAYT & LANDAU, LLC lr,, By: "-' --- ARTHUR LASHIN #23425 Attorney for Plaintiff m yC x C7d y Simply complete this form -to start saving with a 9.9% fixed-rate. t cAWMM)("rest. Maximum total transfer amount will'be based on jour approved credit line. Minimurii awtsfer amount is $50. There is no fee for this service. Please print clearly in bled or Mee ink. 1) CardlLoanlssuer MBIVA aMERICh (MIRS'J6fARD? AcwANumber sJgi9io_4J9SS4,J2?6JJ8'3?J//?JppbJJJ`JJ Payment Address - D ! city Amwnf To Psy $ J.7;, .IJ7?S.3)? WI 1V670u State DD E zip 1,7864--'9011 2) 1ar4+iWnissuer MBr1A AMERICA {tVt4sTEl2eRRD) A=unt Number sJ`.1.jjOTIKI-0gyogJdJ9_3'jjJfJ , Payment Address BOX 0 Ain'c ToPay 'o2J, 91.!i3?. .lJS catty ' ILMIA16-roM scam )_ ZIP jqqg4 - O Don't forget, in addition to credit card balances you can also transfer balances fiom higher-rate loans - student loans, auto loans, etc. x r? y 3) cawL..Issuer Payment Address city 4) Card/Loan Issuer Payment Address My 1210 AccoentNurnber JJJJJJJJJJJJJJJJJJJJ AhlourtroPay $ JJ,JJJ. I state ZIP ACMW Number stele ZIP Ampaur'hoPay ; JJ,JJJ.JJ Help us process your,transfer requests faster by following these guidelines: (1) list the most Inv ant transler first (2) For Cardr m Issuer, list the kancial institution (to yoursell, MasterCard' or Visa'). I (3) Continue to make your payments on these aceorerm urd the payment for the transtwed amour appears net your dw issuer's Aft. enl 3133-1 L- 59870167232287 Account Sum Previous Balance $6,069.30 Payments, Credits and Adjustments $120.00 Transactions $.00 Finance Charges $51.10 New Balance $6,000.40 Minimum Amount Due $118.00 Payment Due Date December 15, 2004 Total Credit Line $15,000 Total Available Credit $8,999.60 Credit Line for Cash $3,000 Available Credit for Cash $3,000.00 PLATINUM MASTERCARD ACCOUNT 5291-4917-6078-3025 Rewards S OCT 16 - NOV 15, 2004 Page 1 of 1 Previous Mileage Balance: 10,000 Miles this Period: 0 Miles due to expire 01/01/05: 0 Redemptions: 0 Ending Mileage Balance: 10,000 Payments, Credits and Adjustments 1 12 NOV PAYMENT RECEIVED - THANK YOU $120.00- At your service As a valued Capital One customer, you are eligible to receive a free Year-End Summary that recaps To call Cwtoma Relations or to report a lost or stolen card: your 2004 charges. Please call 1-877-794-4487 before December 12, 2004, to reserve your copy. All 1-800-955-7070 orders will be processed between January 15 and February 28, 2005. As long as this benefit is available for your account, you must call in each year in order to receive a Year-End Summary. You For free online account service and special asstomer offers, log on to: will be notified in your statement on how to opt in for your Year-End Summary. www capitalone.com Send payments m: Send inquiries to: Attn: Remittance Processing Capital One Service Capital One Services P.O. Box 85147 P.O. B. 85015 Richmond, VA 23276 Richmond, VA 23285-5015 Important Account Information We would like to take this opportunity to inform you that we may report information about your account to credit bureaus. The reporting of your account information to credit bureaus contributes to your overall credit profile. Late payments, missed payments or other defaults on your account may also be reflected in your credit report. Finance Charges Pleare ree re-e ride for important information Bdanc rate Prriolir Co..ny-?, ng ??j?ANC$ c Wde, rate APR CHARGE PURCHASES $.00 .02712% 9.90% S.00 CASH 11.00 .02712% 9.90% S.00 SPECIAL TRANSFERS $6,078.56 .02712% 9.90% $51.10 ANNUAL PERCENTAGE RATE applied this period 9.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5291491760783025 15 6000400120000118003 New Balance $6,000.40 Minimum Amount Due $118.00 Payment Due Date December 15, 2004 Total enclosed E 1 :1 Account Number: 5291-4917-6078-3025 Pha )-i mailin,{adbeu any r-.aailchangrs Arrant wing bhu w b1_4 i.k. Sear Apa I cay Soae< ZIP Home Phone Al-.. Phone #9032187682465115# MAIL ID NUMBER Capital One Bank JEFFREY R LICHTEL P.O. Box 85147 uur11 1 r 1 iur? 920 S 29TH ST Richmond, VA 23276 CAMP HILL PA 17011-5804 P/eme unite your account number on your check or money order made payable to Capital One Bank and mail in the enclosed envelope. r EXHIBIT A 1-800-760-2493 PLATINUM MASTERCARD ACCOUNT 5291-4917-6078-3025 7183 036 647 2840 OCT 16 - NOV 15, 2005 Page 1 of 1 Account Summary Rewards Summary Previous Balance $5,289.37 Previous Mileage Balance: 10,000 Payments, Credits and Adjustments $150.00 Miles this Period: 0 Transactions $.00 Miles due to expire 01/01/06: 0 Finance Charges $44.49 Redemptions: 0 New Balance $5,183.86 Ending Mileage Balance: 10,000 Minimum Amount Due $103.00 Payment Due Date December 15, 2005 Total Credit Line $15,000 Total Available Credit $9,816.14 Credit Line for Cash $3,000 Payments Credits and Adjustments Available Credit for Cash $3,000.00 , 1 12 NOV PAYMENT RECEIVED -THANK YOU $150.00- At your service To cab Customv Relations or to report a lost or stolrn ard: 1-800-955-7070 For &a online account service and special cvatomer offers, log on to: www Pindon-,on Send pyments m: Send inquiries to: Attn: Ranittance Processing Capital One Bank Capital One P.O. B. 79021, P.O. Box 30285 St. Louis, MO 63179-0216 SLC, UT 84130-0285 Take control and pay your Capital One credit card bill online for free. Eliminate the hassle of writing checks, finding stamps and sealing envelopes. Everything you need to access, review and pay your bill is available online. Our Web site offers you a convenient, simple and secure way to manage your account. Visit www.mpitalone.com and register your account to start simplifying your life today! As a valued Capital One customer, you are eligible to receive a free Year-End Summary for this specific account that recaps your 2005 charges, provided your account is in good standing and you have made transactions during the calendar year. Please call 1-877-794-4487 before December 31, 2005, to reserve your copy for this account. We will begin processing orders in January 2006. We appreciate your business and you deserve great benefits. We'd like you to know that your Platinum card benefits have been updated. For details, visit www.capitalone.com/aeditcards and dick on the Guide to Benefits link. Thanks for choosing Capital One. Finance Charges Pleme tee reverse ride for important information m Baf « rate Period" Co..rspondi , MISE n pp/irdto •asr AAPR E PURCHASES S.00 .0271296 9.9096 S.00 CASH S.00 .02712% 9.9096 S.00 SPECIAL TRANSFERS 55,29158 .0271296 9.90% $44.49 ANNUAL PERCENTAGE RATE applied this period 9.90% PLEASE RETURN PORTION BELOW WITH PAYMENT 0000000 0 5291491760783025 15 5183860150000103009 New Balance $5,183.86 Minimum Amount Due $103.00 Payment Due Daze December 15, 2005 Total enclosed $ 1 :1 Account Number: 5291-4917-6078-3025 P/rasr print ma,7ing adbru and r-mail rhanga bd- suing bier w R k ink. St t Apt ar City Sam ZIP Home Phone Altervam Phone 0 Email Addrea #9032087682465117# MAIL ID NUMBER 1 Capital One Bank JEFFREY R LICHTEL P.O. Box 790216 111111111111111 1111 u 1 e, spa 920 S 29TH ST St. Louis, MO 63179-0216 CAMP HILL PA 17011-5804 Please ? riteyour account number on your chak or money order madepayable to Capital One Bank and mail in the enclosed-lope. r EXHIBIT A FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date C$4,464.54C- $100.00 + $36.14 + $0.00 = $4,400.68 $88.00 ) Dec. 15, 2006 Oct. 17, 2006 - Nov. 15, 2006 Page 1 of 1 MasterCard Platinum Account 52914917.6078.3025 Your Account Information TOTAL CREDIT LINE $15,000.00 TOTAL AVAILABLE CREDIT $10,599.32 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $3,000.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $0.01 0.02712% 9.90% $0.00 Cash $0.00 0.02712% 9.90% $0.00 SpecialTrans $4,442.08 0.02712% 9.90% $36.14 ANNUAL PERCENTAGE RATE applied this period: 9.90% At Your Service 1.800.955.7070 To call Customer Relations or to report a lost or stolen card: Send payments to: Capital One Banc - P.O. Box 70884 Charlotte, NC 28272-0884 Send inquiries to: Capdal One P.O. Box 30285 • Salt Lake City, UT 84130-0285 For more information on your Rewards: %sit: v .capilakme.mm4nlesnmards Call: 1-800-228-3001 Rewards Summary Previous available balance: 10,000 Earned this period: 0 (reflects transactions posted during this billing cycle) Available Balance: 10,000 Payments, Credits $ Adjustments 1 04 NOV PAYMENT $100.00- 6056 506 1 7 is 061115 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 5291491760783025 15 4400680100000088001 Account Number: 5291-4917-6078-3025 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. [$4000.68[ $88.00 Dec. 15, 2006 Address PLEASE PAY AT LEAST THIS AMOUNT Home Phone Alternate Phone ? E-mail address @ Amount Enclosed •9032087662465117• MAIL Ib NUMBER JEFFREY R LICHTEL 13 KOYER CT Capital One Bank r?rr?rs??rr?rr??r?rr MECHANICSBURG, PA 17055-5354 Box 70884 Char ?rrrn?rrru?nrl?r?n?r?n?l?Nrun?r?n?n?rrrunurlu?n EXHIBIT A Charlotte, NC 28272-0884 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Paymentl Due Date $3,742?51D- $75.00 + $30.45 + $0.00 = $3,697.96 $73.00 J Dec. 17, 2007 Oct. 23, 2007 - Nov. 21, 2007 Page 1 of 1 MasterCard Platinum Account 52914917.6078-3025 Your Account Information TOTAL CREDIT LINE $15,000.00 TOTAL AVAILABLE CREDIT $11,302.04 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $3,000.00 - _U Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $0.00 0.04219% P 15.40% $0.00 Cash $0.00 0.06162% P 22.49% $0.00 SpecialTrans $3,742.26 0.02712% 9.90% $30.45 ANNUAL PERCENTAGE RATE applied this period: 9.90% At Your Service 1800.955.7070 To call Customer Relations or to report a lost or stolen card: Send payments to: Capkal One Bank • P.O. Box 70884 - Charlotte, NC 28272-0884 Send inquiries to: Capital One - P.O. Box 30285 • Salt Lake City, UT 84130-0285 For more information on your Rewards: Visit: www.capitalone.corrMesrewards Calk 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.comldisoules. Rewards Summary Previous available balance: 6,100 Earned this period: 0 (reflects transactions posted during this billing cycle) Available Balance: 6,100 Payments, Credits 8 Adjustments 1 16 NOV PAYMENT $75.00- Capital One Home Loans offers a variety of no hassle home ban products, including first mortgages, refinance and debt consolidation loans, as well as home equity bans and lines of credit. Our team of experienced professionals understands that your situation is unique so your ban solution should be too. You'll have the one-on-one attention of the same personet ban consultant from call to close. Visit www.capitalonehomeloans.com for more information. Capital One is an Equal Housing Lender. 6056 506 1 07 21 071121 PAGE 1 of 3 OlDM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 5291491760783025 21 3697960075000073009 New Balance Minimum Payment Due Date $3,697.96 $73.00 Dec. 17, 2007 C???JJJ PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ) Capital One Bank P.o. BGx 7oae4 Irirrlrrllrrlrlrrrrlll Charlotte, NC 28272-0884 IrrI,IlrrlrrJrlLrrlrrlrllLrrlrrLLrlrrlrrlLdrrlrrllrtrll Account Number: 5291-4917-6078-3025 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone #9032687682465114# MAIL ID NUMBER JEFFREY R LICHTEL 13 KOYER IT MECH ANICS BURG, PA 17055-5354 Irrrnlrrrulrrrrlrlrrlrlrrlrlrrsnrrlrlsrlrrlrrrnrsurrrrlll EXHIBIT A Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 0000) Q 10 Q • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One' balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. C Ready to transfer? See reverse to learn how. Call 1-800-955-7070. J FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $3,204.98- $60.00 + $26.74 + $0.00 = $3,171.72 $58.00 D Dec. 16, 2008 Oct. 22, 2008 - Nov. 21, 2008 Page 1 of 1 MasterCard Platinum Account 5291.4917.6079.3025 C,/ Your Account Information ? ? REWARDS" TOTAL CREDIT LINE $15,000.00 TOTAL AVAILABLE CREDIT $11,828.28 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $3,000.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 50.00 0.03466% P 12.65% $0.00 Cash $0.00 0.05408% P 1974% $0.00 SpecialTrans $3,181.19 0.02712% 9.90% $2674 ?,,AlNNUAI PERCENTAGE RATE applied this period: At Your Service - Go to www.cecitelone.om to manage your amount, or Cat 1-800.955-7070 to report a lost or stolen cad a speak to Customer Relations 0 Pay Online at wwwoopir abre.om or mail your payment to: Capital One Bank (USA), N.A. - P.O. Box 71083 - ChabBe, NC 28272.1083 A Send Inquiries to: Capital One- P.O. Box 30285 • Set Lake City, UT 84130-0285 ® Manage your Rewards online by visiting a Cet 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.com/disoutes Rewards Summary Previous available balance: Earned this period (reflects transactions posted during this billing cycle) Available Balance: 500250 6,100 Payments, Credits & Adjustments 1 03 NOV PAYMENT $60.00- PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 3171720060000058008 W / Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed Dec. 16, 2008 ? $3,171.72 $58.00 PLEASE PAY AT LEAST THISAMOUNT #9032787682465112# JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 ,"1911111,llllhllrrrllnrlrlnll"'IIIP,J,lrl,l„IIIIIIIIIII 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. ® Sign up at wvvw.capitatone.com. Capital One Bank (USA), N-A- P.O. Box 71C Charlotte, N NC 28272-1883 EXHIBIT A IIIIIII,Ill,rIIIII'll'1111111,,111111"II'I'lll'll"IIIIIIII'llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. RISE PAY AT LEAST THIS AMOUNT 00000) Q 40 O • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One' balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-800-955-7070. 500258 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date - - - ----- , _- ___ $2,791.27 $50.00 , ,-- --- . _ --.. + ( $23.45 - - - + $0.00 $2,764.72 -- $51.00 Dec. 16, 2009 -- .......... ._ Oct. 22, 2009 - Nov. 21, 2009 Page 1 of 1 - __._..._ ............. .___-_ PLEASE PAY AT LEAST THIS AMOUNT MasterCard Platinum Account Rewards Summary 5291.4917.60783025 Previous available balance 6,100 Your Account Information REWARDS Earned this period 0 (rafacts traosadrons posted during this tiling cycle) TOTAL CREDIT LINE $15,000.00 Available Balance. 6,100 TOTAL AVAILABLE CREDIT $12,235.28 CREDIT LINE FOR CASH $3,000.00 Payments Credits & AAAA ustments______ ____..._ AVAILABLE CREDIT FOR CASH $3,000.00 1 14 NOV PAYMENT $5000- . - ------......... --- -- Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $0.00 0 02986% P 1090% $0.00 Cash 50 00 0 06822% D 24.90% $0.00 SperialTrans S2,789 74 0.027129/6 9.90% $23.45 ANNUAL PERCENTAGE RATE applied this period: 9.90% 0 At Your Service - Go to www.ceoitabnooom to manage your account or call 1$00-955-7070 to report a lost or stolen card a speak to Customer Reiotions 0 Pay Online at www.cao4abne.com or mail your payment to. Capital One Bank (USA), N A. - P 0 Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Capital Ori P. O. Box 30285 • Sat Lake City, UT 84130-0285 ® Manage your Rewards online by visiting wwwn ?ritnMn mm/mikanwnrrl? or Calf 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 stalement or visit www.capitalone.com/disputes PLEASE RETURN PORTION BELOW WrrH PAYMENT OR LOG ON TO WWW.CAPITALO NE.COM TO MAKE YOUR PAYM E NT ONLINE. 1 5291491760783025 21 2764720050000051002 CW W_ Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed Dec. 16, 2009 $2,764.72 $51.00 PLEASE PAY AT LEAST THISAMOUNT #9032687682465114# JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 rIII11,11..1. 11.1,1.11111.111,r11.1,1111. 11111111.rr1111111111111 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 EXHIBIT A ulllllrlllrnhllrlllllllrrllnllrlllrlllrllrllldllllNl Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. J MASTERCARD PLATINUM NEW BALANCE $7,820.95 Credit limit: 515,000.00 Available Credit: $7,179.05 Q ? O • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One,, balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. ` Call 1-800-955-7070. J 500359 Page 1 of 3 $-800-955-7070 ............ .. www.capitalone.com Feb. 22 - Mar. 21, 2010 28 Days 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: XXXX-XXXX-XXXX-3025 Payment Amount Each Period If No Approximate Time to Pay Off Estimated MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total Cost $126,00 Apr 18, 2010 Minimum Payment 26 Years $18,595.83 $269.25 3 Years $9,692.87 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: 58,902.96 Cash Credit Limit: 53,000,00 If you would like information about credit counseling services, call 1-888-326-8055. Available Credit for Cash: 43,D00.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, .......... _...... _._.......... ---- . you may have to pay a -9.00 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 ............. --- 53,872 43 5100.00 } S48.52 } $4,000.00 I = I 57,82095 TRANSACTIONS (REWARDS INFORMATION PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 PREVIOUS AVAILABLE REWARDS BALANCE 6,100 1 11 MAR PAYMENT (4100.00) REWARDS EARNED THIS PERIOD 0 (reflects transactions posted during this billing cycle) TRANSACTIONS FOR JEFFREY R LICHTEL #3025 1 08 MAR PURCHASE CHECK 12922 11992010 $4,000.00 AVAILABLE BALANCE AS OF 03/21!2010 6,100 ? Total Transactions This Period $4,000.00 For up-to-date rewards tracking,visit FEES T l F Thi P i d 50 00 www.capitalone.com/milesrewards or simply --ling* reww& er ota ees s o . 1-800-228-3001 call Total Fees This Year 50.00 INTEREST CHARGED INTEREST CHARGETURCHASES 34 $21 INTEREST CHARGE CALCULATION INTEREST CHARGE'. SPECIAL TRANS , $21,18 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Interest This Period $48,52 Annual Percentage Balance Subject to Total Interest This Year $94,84 Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 17.909 D $1,991.02 52734 Cash 24.90% D SO.OD 50.00 SpecialTrans 9.90% $2,788.63 521.18 l SpecialTrans 0.00% $1,070.03 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 7820950100000126007 cqw Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed Apr 18, 2010 $7,820.95 $126.00 , -' -- - -- -- -- -- PLEASE PAYAT LEAST THISAMOUNT JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 11?11111'Illl'Illl'II1111111'1111111"'II"""11111"I'Illll,lrl GO GREEN. SAVE GREEN! Pay online and save money on stamps, CV Sign up at www.capitalone.com Capital One Bank (USA), N.A. EXHIBIT A P.O. Box 71083 Charlotte, NC 213272-1083 1111111,IIIrrIl111r11rIII1111,rIIIIIIr?IIrIr111?11??11111111?1111 Please make checks payable to Capital One Bank (USA), NA, and mail with this coupon in the enclosed envelope. Get $50 Open an InterestPlus Online Savings account online with the offer code below and have $10,000 or more in your account on 5/75/2010 i Open an InterestPlus Online Savings account today. Get one of the best savings rates plus a 10% bonus on your interest 1 .40%, earned. And of course, no fees. PLUS: When you open an account online with the offer code below and have a balance of $10,000 on 5/15/2010, we'll add $50 to your account. Get Paid. Twice. Open your account at capita lonedirect.com/getl 5 Enter Offer Code: EXTRA50DF 500369 MASTERCARD PLATINUM NEW BALANCE $7,775.64 Credit Limit: %75,000.00 Available Credit: $7,224.36 Page 1 of 3 1-800-gSS-7070 l www.capitalone.com Mar. 22 -Apr. 21, 2010 31 Days 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: XXXX-XXXX-XXXX-3025 Payment Amount Each Period If No Approximate Time to Pay ON Estimated MINIMUM PAYMENT DUE DATE Add'Mional Charges Are Made statement Balance Total Cost -- -- -- Minimum Payment 26 Years 462.00 $162.00 May 18, 2010 - ..--- $267.98 3 Years $9,647.42 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: $8,814.58 Cash Credit Limit: 53,000.00 If you would like information about credit counseling services, call 1-888-326-8055, Available Credit for Cash: 53,000.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, _.---....... - J you may have to pay a $39.00 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 _ - _ = S7 775.64 $130.00 ) + _-584.69 _ } `--__ _-50.00 57,820 95 TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 1 1 !APR PAYMENT ($130.00) FEES Total Fees This Period 50.00 Total Fees This Year 50.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES 561.06 INTEREST CHARGESPECIAL TRANS $23.63 Total Interest This Period $84.69 Total Interest This Year $179.53 REWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE 6,100 REWARDS EARNED THIS PERIOD 0 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 04/21!2010 6,100 For up-to-date rewards tracking, visit , www.capitalone.com/milesrewards QlAbHass/e rewards' or simply call 1400.228.3001 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.90%D $4,016.79 561.06 Cash 24.90% D $0.00 S0,00 SpecialTrans 9.90% $2,811.03 523.63 SpecialTrans 0.00% 51,000,48 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 7775640130000162008 Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed ....... _... May 18, 2010 ( $7,775.64 ( $162.00 - - - - - - ---------- - PLEASE PAY AT LEAST THISAMOUNT JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 LIILIII'Illll"I'Il'IIIIIIIrrIIIIIIII111111I11111'Illll'I'Illl' BE SAFE! Your trash could bean identity thief's . 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, NC 28272-1083 nlllllrlllr?nhl?lrllllnlrrllnhrrll?lrlll?llrrlllllllhlnl EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 00000) Q ? O • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One"' balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-800-955-7070. J 500359 Page 1 of 4 1300-955-7070 www.capitalone.com Apr. 22 - May. 21, 2010 30 Days .._........ ----.-.__....... ----- -- - -- ----- 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: MASTERCARD PLATINUM XXXX-XXXX-XXXX-3025 Approximate Time to Pay Off Payment Amount Each Period If No Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $11,734.84 $251.00 Jun 18, 2010 Minimum Payment _ _ 30 Years i $28,50539 $411.13 3Years $14,804.35 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: $13,701.04 Credit Limit, S15,000.00 Cash Credit Limit: 53,000.00 If you would like information about credit counseling services, call 1-888-326.8055. Available Credit: $3,265.16 Available Credit for Cash: 53,000.001 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, . ...._.._._...._...______________ you may have to pay a $39.00 late fee and your APRs may be increased up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance .---._._.__ -, 57,775.64 - i -- $175.00 } 5134.20 J } $4,000.00 = 511,734.84 (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 1 02 MAY PAYMENT (5175.00) TRANSACTIONS FOR JEFFREY R LICHTEL #3025 1 26 APR PURCHASE CHECK 12926 10012200 54,000.00 I? Total Transactions This Period $4,000.00 FEES Total Fees This Period 50.00 Total Fees This Year S0-00 INTEREST CHARGED INTEREST CHARGEYURCHASES $111.14 INTEREST CHARGE. SPECIAL TRANS $23.06 Total Interest This Period $134.20 Total Interest This Year $313.73 Transactions continue on page 2 REWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE 6,100 REWARDS EARNED THIS PERIOD 0 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 05/21/2010 6,100 For up-to-date rewards tracking, visit www.capitalone.com/milesrewards QhV0Ha&* rewards- or simply call 1.800.228.3001 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.90°% D $7,554.03 5111.14 Cash 24.90°% D $0,00 50,00 SpecialTrans 9.90% $2,834.37 523.06 SpecialTrans 0.00% $804.40 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 0000000175000251005 Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed Jun 18 2010 $11,734,84 $251.00 -_-. PLEASE PAY AT LEAST THIS AMOUNT JEFFREY R LICHTEL 13 KOWER CT nECHANICSBURG, PA 17055-5354 11111111'Illl11111'l"'Ill'1'1111111'1'In1?ll„'1,l^1'I1111'1l1 GO PAPERLESS! The trees will thank you. Sign up at www.capitalone.com 400010 Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111,,II„11111'II'1111111"111111"11'1'111'11"11111111'1111 EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Get $50 Open an InterestPlus Online Savings account online with the offer code below and have $15,000 or more in your account on 7/15/2010''"' Open an InterestPlus Online Savings account today. Get one of the best savings rates plus a 10% bonus on your interest 7.35%• earned. And of course, no fees. PLUS: When you open an account online with the offer code below ?. and have a balance of $15,000 on 7/15/2010, we'll add $50 to your account. Get Paid. Twice. Open your account at capita lonedirect. eom/get46 Enter Offer Code: CASH555DF 500450 --- - --- Page 1 of 3 1.800.955.7070 ! wWw.caphalone.com May 22 - Jun. 21 2010 31 Days 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: MASTERCARD PLATINUM XXXX-XXXX-XXXX-3025 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Taal Cost - -- - $11,628.57 $265.00 1u118,2010 Minimum Payment 3o Years $28247 $408 3 Years $14,681 Your estimated savings if you pay off this balance in 3 years: $13,566 PLEASE PAY AT LEAST rxls AMOUNT ?- I Credit Limit: $15,000.00 Cash Credit Limit: 531 If you would like information about credit counseling services, call 1-888-326-8055. 000.00 Available Credit: $3,371.43 Available Credit for Cash: 53,000.00 1 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, You may have to pay a $39.00 late fee and your APRs may be increased up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance __- ..-- - ------ - - -- -- S11 734 84 - S255,00 t $148.73 + $000 _ 511,628 57 ;TRANSACTIONS 'i PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 1 1? JUN PAYMENT ($255-00) FEES Total Fees This Period 50,00 Total Fees This Year 50,00 INTEREST CHARGED IN'EREST CHARGE:PURCHASES $124.70 IP:'FREST CHARGE '.SPECIAL TRANS $24.03 Total Interest This Period $148.73 Total Interest This Year $462.46 I REWARDS INFORMATION ! PREV10USAVARABLEREWARDSBALANCE 6,100 REWARDS EARNED THIS PERIOD 0 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 06/21/2010 6,100 For up-to-date rewards tracking, visit www.capitalone.com/milesrewards Q/NoHassle reward, or simply call 1-800-228-3001 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.90%D $8,202.45 S124.70 Cash 24.90% D 50.00 50.00 SpecialTrans 9.90% $2,857.91 524.03 SpecialTrans 0.00% 5664.03 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE,COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 0000000255000265002 cw It- Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed Jul 18, 2010 $11,628.57 0$265.00 PLEASE PAY AT LEAST THIS AMOUNT ORGANIZATION l/ MADE EASY. Forget the filing. Manage your account online and simplify your life. Sign up at www.capitalone.com 40001 JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 ""IIIIIII'Ill'Illll"11111'1111'II'I"IIIIIIII'Ill"IIIIIIIIIII Capital One Bank (USA), N.A. P.O. Box 71083 EXHIBIT A Charlotte, NC 28272-1083 Nllllly 11--11111-hrIIHMrr1111 h^Il l 111 ll rllllllll?lnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 500427 Get Rewarded. It's easy. And you can redeem your Miles in many, many ways. [ how to redeem ©J Page 1 of 2 1-800.955-7070 www.capitalone.com MASTERCARD PLATINUM NEW BALANCE $13,505.33 Credit Limit. 515,000.00 Available Credit: 4,1,494.67 • Travel • Cash • Gift Cards • Merchandise • Experience Rewards"" • Charitable Donations Jun. 22 -Jul. 21, 2010 30 Days 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: XXXX-XXXX-XXXX-3025 Payment Amount Each Period If No Approximate Time to Pay Off Estimated MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $286.00 Aug 18, 2010 Minimum Payment ..............__-__- 31 Years $33,007 _ $476 3 Years $17,130 Your estimated savings if you pay off this balance in 3 years: $15,877 PLEASE PAY AT LEAST THIS AMOUNT li ll 1 3 6 8055 d Cash Credit Limit: S3,000.00 I -888- - . If you would like information about cre it counse ng services, ca 2 Available Credit for Cash: 51,494.67 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, _-__........... _ you may have to pay a $39.00 late fee and your APRs may be increased up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 513 505 33 51',628.57 - $275.00 ) } S151.76 1 } 52,00000 -- TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 1 151UL PAYMENT ($275.00) TRANSACTIONS FOR JEFFREY R LICHTEL #3025 1 IFJUL PURCHASE CHECK 12921 11326630 $2,000.00 10, Total Transactions This Period $2,000.00 FEES Total Fees This Period 50.00 Total Fees This Year 50.00 INTEREST CHARGED INTERESTIHARGE:PURCHASES $128,31 INTEREST CHARGESPECIAL TRANS $23.45 Total Interest This Period $151.76 Total Interest This Year $614.22 i REWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE 6,100 REWARDS EARNED THIS PERIOD 0 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 07/21/2010 6,100 For up-to-date rewards tracidng, visit www.capitalone.com (:6b-M* rewards or simply call 1.800-228.3001 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.90%D $8,721.43 $128.31 Cash 24.90% D $0.00 50,00 SpecialTrans 9.90% $2,881.65 523.45 SpecialTrans 0.00% $432.16 S0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 0000000275000286003 W Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed Aug 18 2010 $13,505.33 $286.00 PLEASE PAY AT LEAST THIS AMOUNT JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 uII?II?IIIIIrUlllnll?ll?lllllhll??lhllllnllllrurll??l?l PAPERLESS STATEMENTS Stop waiting for the mailman. j View up to 13 months of statements anytime-online. Sign up at www.capitalone.com 400007 Capital One Bank (USA), N.A. EXHIBIT P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIII-I11-91111.11.1111111..I1nll'.llrlrlll.11.rllhllllrlnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Pay less interest: 500455 Transfer your higher-rate balances See your personalized, money-saving balance transfer offers that may include: • No transaction fees • Rates lower than your purchase rate Transfer balances today! Give us a call 1-800-833-6393 OR Go online transferbalances.capitalone.comloffer5 Page 1 of 2 1400.955-7070 www.capitalone.com Jul. 22 - Aug. 21, 2010 31 Days 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 oft your balance. For example: Platinum MasterCard XXXX-)O(XX-XXXX-3025 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 $13,398.62 $317.00 Sep 18, 2010 Minimum Payment 31 Years $32,715 -?--? I 3 Years $17,004 $472 Your estimated savings if you pay off this balance in 3 years: $15,711 PLEASE PAY AT LEAST THIS AMOUNT Credit limit: 515,000.00 Cash Credit Limit: 53,000.00 If you would like information about credit counseling services, call 1-888-326-8055. 601 38 Available Credit: $1 Available Credit for Cash: $1,601.38 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 $35.00 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 _--_ 51,505.33 ? - I 290.00-_-_- ? { I,•--___ 5183.29 = ,398.62 - I { 50.00 51 3 ?_.....------....._.....---- - --- ----- TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 1 14 AUG PAYMENT ( --- $290-00) i FEES Total Fees This Period 50.00 Total Fees This Year 50.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $158.99 INTEREST CHARGE:SPECIAL TRANS $24.30 Total Interest This Period $183.29 Total Interest This Year $797.51 REWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE 6,100 REWARDS EARNED THIS PERIOD 0 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 08/21/2010 6,100 For up-to-date rewards tracking, visit www.capitalone.com CA0,14awk, rewards- or simply call 1.800.228-3001 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17 909% D $10,458.28 5158.99 Cash 24.90% D $0.00 50.00 SpecialTrans 9.90% $2,890.86 52430 SpecialTrans 0.00°! $169.90 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 0000000290000317007 Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed - _$317.00 -- Sep 18, 2010 $13,398.62 PLEASE PAY AT LEAST THIS AMOUNT GREEN FACT! • 1 tree can be saved for every 13 people that go paperless. Sign up at www.capitalone.com 400005 JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 111111-,11.TIPinIIIIIIIII,r,111111111r1111-1-IIIII-III„Illl Capital One Bank (USA), N.A. P.O. Box 71083 EXHIBIT A Charlotte. NC 28272-1083 1111111-Ill--nhl-lrllllnl,-Ilnlr-II-1-III-II--Illllld-Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Pay less interest: 500455 Transfer your higher-rate balances See your personalized, money-saving balance transfer offers that may include: • No transaction fees • Rates lower than your purchase rate Transfer balances today! Give us a call ® 1-800-833-6393 OR Go online A;a transferbelances.caoitalone.comloffers Page 1 of 2 1.800.955.7070 www.caphalone.com Aug. 22 - Sep. 21, 2010 31 Days 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: Platinum MasterCard XXXX-XXXX-XXXX-3025 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 - - - - ---_- ... -- ------ ---._._..._..- $14,269.53 $333.00 Oct 18, 2010 ] 31 Years Minimum Payment $34,917 - -- $505 3Years ., $18,177 A Your estimated savings if you pay off this balance in 3 years: $16,740 PLEASE PAY AT LE ST THIS AMOUNT r Credit Limit: 515,000.00 Cash Credit Limit: 53,000.00 If you would like information about credit counseling services, call 1-888-326-8055. 47 Available Credit: $730 Available Credit for Cash: 5730.47 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, . you may have to pay a late fee cf up to $35.00 and your APRs maybe increased up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ----------- 513 13,3 62 - 5320.00 J + 5190.91 } $1,000.00 J = 514,269 53 iT_RANSACTION_S PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 1 16 SEP PAYMENT ($320.00) TRANSACTIONS FOR JEFFREY R LICHTEL #3025 1 1(i SEP PURCHASE CHECK 12926 05985760 $1,000.00 10, Total Transactions This Period $1,000.00 FEES Total Fees This Period 50.00 Total Fees This Year S0-00 INTEREST CHARGED INTEREST CHARGEPURCHASES $167.27 INTEREST ( HARGE: SPECIAL TRANS $23,64 Total Interest This Period $190.91 Total Interest This Year $988.42 I REWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE 6,100 REWARDS EARNED THIS PERIOD 0 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 0912112010 6,100 For up-to-date rewards tracking, visit L. www.capitalone.com (Aomus/e rewards or simply call 1.800-2283001 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 17.90%D $11,003.01 5161.27 Cash 24.90%D $0.00 S0,00 SpecialTrans 9.90% $2,811.35 523.64 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 0000000320000333001 Gq Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed Oct 18, 2010 $14,269.53 ? $333.00 .._.-.- - --- -- -- ,_..--- --- PLEASE PAYAT LEAST THISAMOUNT GO GREEN. _ SAVE GREEN! $ •ti Pay online and save online and save mo money on stamps. f Sign up at www.capitalone.com 400008 JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 Illy,rrllrl,ll,.rnlllrlllll?nklllllllll,llllllrnllrlrlrrlllr Capital One Bank (USA), N.A. P.O. Box 71083 EXHIBIT A Charlotte, NC 28272-1083 nlllll?lll^nhl?lrllllnlr?lln4^II?IrIII?II??IIIIIIII?INI Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. important notification 500525 of a change in terms to your account Please refer to the Important Notification of a change in terms enclosed with this statement. It explains in detail how, consistent with new federal credit card rules, we've revised the following account terms and policies: • Late Payment Fees • Other Penalty Fees • Limitations on APR increases Please note that these same changes are being made to both older and newer accounts Capdi1f , in an effort to consistently implement laws that only recently became effective. Page 1 of 3 1.500.955.7070 www.capitalone.com Sep. 22 -Oct. 21, 2010 30 Days 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: Platinum MasterCard XXXX XXXX-XXXX-3025 Payment Amount Each Period If No Approximate Time to Pay OM Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statemem Balance Total cost - - - - $14,989.67 $703.00 Nov 18, 2010 --- ea ..._........_... i - --S-3 6- 3 3 Minimum Payment 32 Years ,2 If you would like information about credit counseling services, call 1.888.326-8055. ASr vr,s AT 11IT 1,, 11 11A01 i NI_ : LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credi, Limit: 515 00 000 000 00 Cash Credit Limit: S3 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the , . . , Penalty APR of 29.40%. Available Credit: $10.33 Available Credit for Cash: 510.33 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 514,26953 J? - $0.00 + 5220.14 } 5500.00 I = 514,989.67 ,, rep h, a b, . i, oaf _nt- RemeniL r u w paving _he nonlinum pT rnzrt )l the c .a dare !I-. ;O it Jrcn i't o", it, x aF.e sire y u send In Ise rr° 1Toay I"i 6 x?=1:, ,.???tc?rrerrt "'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 Fercentage Rates (APRs) may increase. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 TRANSACTIONS FOR JEFFREY R LICHTEL #3025 1 19 OCT PURCHASE CHECK 12931 05284480 $500.00 ? Total Transactions This Period $500.00 FEES 1 18 OCT PAST DUE FEE Total Fees This Period Total Fees This Year 525.00 S25.00 525.00 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.90%D $11,83876 517417 Cash 24.90% D $0.00 50.00 SpecialTrans 9.90% $2,577.85 520.97 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 0000000320000703003 CW"O V- Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed ................. __.. __.--- Nov 18, 2010 ( $14,989.67 ( 1703.00 l ( , ---- J --- PLEASE PAY AT LEAST THIS AMOUNT JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 IIrPn?lydlrllrrlrlllrruhllllln4lrrllr^III•Ilr??rlrllll Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information Manage your account in privacy 400006 Capital One Bank (USA), N.A. CP.ha0•rloBottxe71DNC 8328272-1083 EXHIBIT A . ulllllrlllrrnhlrhrlllllllrrlhlhrrllrlrlllll••Illllhlrhll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. C ? what's In your wallet? LET'S TALK - WE'RE HERE TO HELP. 5WO09 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One® we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. 2009 Capital One. Capital One its a federally registered service mark. All rights reserved ..... _...... --- --------- Page 1 of 2 1-600.955-7070 I www.capltalone.eom Oct. 22 - Nov. 21, 2010 31 Days 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: Platinum MasterCard XXXX-XXXX-XXXX-3025. 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 $15,236.51 $1,102.00 Dec 18, 2010 Minimum Payment 32 Years $35283 If you would like information about credit counseling services, call 1-888-326-8055. ! st FArAT IE10 TniI Ar-UNI LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, r Credit Limit:515,000.00 Cash Credit Limit:53,000.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the PenahyAPRof29.40%. Available Credit: $0.00 Available Credit for Cash: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance .......... - 50.00 1 } - S24684--_ } ( $0.00 = 515,236.51 l toes -e he :d by tw) paylnerts, Lets talk. if youtie having finannal dirfirultie anc can't I'll U11 patn er - +e rant m help. set' r.oi, togePtet rr !intl a solwc I TRANSACTIONS - - ,I PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 FEES 18 VDV PAST DUE FEE $35.00 Total Fees This Period 535.00 Total Fees This Year 560,00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $189.99 INTEREST CHARGE:SPECIAL TRANS $21.85 Total Interest This Period $211.84 Total Interest This Year 51,395.40 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.90%D $12,497.13 5189.99 Cash 24.90% D $0.00 50.00 SpecialTrans 9.90% $2,599.25 521.85 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 0000000320001102008 C -;X MW - Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed Dec 18, 2010 $15,236.51 $1,102.00 PLEASE PAY AT LEAST THIS AMOUNT JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 III'Il'IIIIIIIIIPI"11'61111'III"III'I'Il'Illlll'Illll"11111 Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information AQ Manage your account in privacy 400006 Capital One Bank (USA), N. A. EXHIBIT A PO- Box 71083 Charlotte, NC 28272-1083 nllll6III••nhl•Irlllllllrrllnlrrllrlrlll•Ilrrlllllldrlnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JEFFREY R LICHTEL MAKE A PAYMENT. AND TAKE CONTROL SOOO,D Ca if n- rwaHet7 OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 0 2009 Capital One. Capital One it a federally registered service mark. All rights reserved Page 1 of 2 1300.955.7070 www.capitalone.com Nov. 22 - Dec. 21, 2010 30 Days 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: Platinum MasterCard XXXX XXXX-XXXX-3025 Payment Amount Each Period If No Approximate Time to Pay OH Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost ----- --- _.......... _._........_.... $15,479.98 $1,500.00 I Jan 18, 2011 Minimum Payment 31 Years $36,307 If you would like information about credit counseling services, call 1.888-3268055. Pi.:>^et PArAT [EAST 71-I1AIMOUNr LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Lima S 15 000 00 000.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Cash Credit Limit: S3 . , , Penalty APR of 29.40%. Available Credit: $0.00 Available Credit for Cash: SO.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance } $0.00 = S15,479.98 515.236 51 - $0.00 + I S243.47 ',ou re be ;I id by Iz ee payments. But you can bring our a(courd cu'rent by paying the mlmmun ,a.n,enamour.mT.curstatementif you re hawingfiior:ialdifficultiesand, ou-e fe g o)er .[, LI ed rae want to hele. Give one of our also talesi cell at d 7G 9` r-?? -ou d ie urpr°,ed shat ke can do t,geihal ro',vt k this um. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 FEES 1 18 DEC PAST DUE FEE $35.00 Total Fees This Period $35.00 Total Fees This Year $95.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $18715 INTEREST CHARGE:SPECIAL TRANS $2132 Total Interest This Period $208.47 Total Interest This Year $1,60187 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.9O%D $12,720.83 5187.15 Cash 24.90% D $0.00 S0.00 Special Trans 9.90% $2,620.83 521.32 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 0000000320001500006 Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed Jan 18 20`1 -$15,479.98- $1,500.00 PLEASE PAY AT LEAST DI IS AMOIIN I Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information AQ Manage your account in privacy 400006 i JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 IIInIr11r11•11•,nd11r•IIgrll,nrIIP111111111•I?Ippr11111•r Capital One Bank (USA), N.A. EXHIBIT A P.O. Box 71083 Charlotte, NC 28272-1083 IIIIII,-Ill. r11111r11rI11IIII-1IIIIr?ll?lrlllr4^Ilhllllrl11l Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JEFFREY R LICHTEL TAKE CONTROL OF YOUR CAPITAL OIW CqWa o t's/nyourwallet7 ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. 500011 Let's work together to bring your account back to good standing. You can make a payment with our fig check by phone service or speak to an associate by calling 1.800.955.6600. © 2009 Capital One. Capital One is a federally registered service mark. All rights reserved Page 1 of 2 1-800.955.7070 Platinum MasterCard NEW BALANCE $15,734.04 Credit Limit: 515,000.00 Available Credit: $0.00 www.capfalone.com Dec. 22 -Jan. 21, 2011 31 Days 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: XXXX-XXXX-XXXX-3025 Payment Amount Each Period If No Approximate Time to Pay Off Estimated MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost - - - - - $1,911.00 Feb 18, 2011 - - - Minimum Payment 31 Years $36,336 If you would like information about credit counseling services, call 1-888326-8055. elsasF FA, At LEAST n+l<AM1trm Nt LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Cash Credit Limit: S3 000.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the , Penalty APR of 29.40%. Available Credit for Cash: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance J S15,479.98 - (\ SOHO J t I S254,06 l } I $0.00 515,734.04 vec r= he-, id bp' kwr payments. Rut you can All bring yow a,co.lnt Current by paylrn7 he nmrn .: n payitiPnt amount o1 Mu statenenr. Need help' Give r I cal' at .800 9` 6600. W11 ,vork together to find a solution. -------- - -- ---------- TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 FEES 18 AN PAST DUE FEE 535.00 Total Fees This Period 535.00 Total Fees This Year 535.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $196.84 INTEREST CHARGE: SPECIAL TRANS $22.22 Total Interest This Period $219.06 Total Interest This Year $219,06 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.90%D $12,947.63 $196.84 Cash 24.90%D SO.00 50.00 SpecialTrans 9,90% $2,642.59 522.22 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 0000000320001911009 Account Number: 5291.4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed b 1 1 1 $ Fe 18 2011 ,9 15,734.04 $ 1.00 .. __..._ PLEASE PAY AT LEAST THIS AMCIIJN I JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 II11111''1'III'IIII I-IIII "III''IIIIId I'II"1.1..11111""IILII Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information Manage your account in privacy 400006 Capital One Bank (USA), N. A. EXHIBIT A P.O. Box 71083 Charlotte, NC 28272-1083 III III I Ill. -it hI•h•IIII11 I .. 111111, -11 -1-11 I'll, -11111111. It 11 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JEFFREY R LICHTEL 500012 Cq?ih in your wallet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. O 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. Page 1 of 2 1-800.955.7070 www.capitalone.com Jan. 22 - Feb. 21, 2011 31 Days 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: Platinum MasterCard XXXX-XXXX-XXXX-3025 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 $15,991.83 $2,328.00 Mar 18, 2011 - - Minimum Payment 31 Years $36,362 If you would like information about credit counseling services, call 1.888-326-8055. P. Fast i>Ar AT I.EAsT THIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Limit: S1 5,000,00 Cash Credit Limit: 53,000.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40%. Available Credit: $0.00 Available Credit for Cash: 50.00 1 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 515,734,04 $0.00 } 5257.79 $0.00 515,991.83 'cU: e hf, Td ITI,e pa }n 1 is h ;rou Cunlint,e to mI s paYI'lents ru ar arcount is A risk r Ix q cis gged Q- ?I_ Si, mrit let t?IS happen. it;mfr terlinq ovi, ;hellTn,-c, :.II o, ll1.800."Fx 'J,,- rn`r:ith eou to lesnroe tl ,alter. I TRANSACTIONS 7 PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 FEES 1 181EB PAST DUE FEE 535.00 Total Fees This Period $35.00 Total Fees This Year $70.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES 5200.39 INTEREST CHARGESPECIAL TRANS $22.40 Total Interest This Period $222.79 Tot al Interest This 'fear 5441.85 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17,90%D $13,181.18 5200.39 Cash 24.90-1. D $0.00 50.00 SpecialTrans 9.90% $2,664.90 522.40 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 0000000320002328004 Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed I Mar 18 2011 $15,991.83 J ' $2,328.00 - -- ... . PLEASE PAY AT LEAST THIS AMOUNT JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 rllnlllllhrl•hl•Irllllr?•n,?lnnrlllllrlllllllunnllrlrr Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information Manage your account in privacy 400006 Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte EXHIBIT A , NC 28272-1083 Illllllrlll?•n4lrlrllllul•rllnlr?ll?lrlll•Ilrrllllllll•Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JEFFREY R LICHTEL J what's in your wallet? Platinum MasterCard NEW BALANCE $16,231.35 Credit Limit: $15,000.00 Available Credit: $0.00 500013 IT'S TIME TO TAKE CONTROL OF YOUR DEBT. WE'RE HERE TO HELP. Even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by the due date to eliminate the risk of being charged off, ® 2009 Capital One. Capita! One is a fednally registered service mark. AU rights reserved Page 1 of 2 1.800.955-7070 1 www.capitalone.com Feb. 22 - Mar. 21, 2011 28 Days 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: XXXX-XXXX-XXXX-3025 Payment Amount Each Period If No Approximate Time to Pay Off Estimated MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost --......... $2,729.00 Apr 18, 2011 Minimum Payment 31 Years $36,363 If you would like information about credit counseling services, call 1 888-326-8055. PL.:,SF Fnv At LEAST THIS nhunrNl LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Cash Credit Limit: S3 000 ? you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the , , Penalty APR of 19.40%. Available Credit for Cash: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S15,991.83 SOAo } 523952 } - $0.00 - ( 516231.35 --- ( -_- - -- ---- - .....- r'ou e he ' J bl < payer n: 11 rte .I-xge ofl dour acccunr due to late of nosed layrlonts Hance taq]c mll Continue to accrue 4,(t r av rn pwvpi t this from 1appeni-r- ase pay the mintiuo paenienr 3i^ount ort your ,Uatenent of give Us a all rt I €. 955-f 50C ,ia're hF re to help. Taha conucl el , out `r do wth Capita, One. TRANSACTIONS _ PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 FEES 18 MAR PAST DUE FEE $35.00 Total Fees This Period $35.00 Total Fees This Year $105.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $184.12 INTEREST CHARGESPECIAL TRANS $20.40 Total Interest This Period $204.52 Total Interest This Year $646.37 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. 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 17.90%D $13,408.88 5184.12 Cash 24.90°/6 D $0.00 50,00 Special Trans 9.90% $2,686.31 520.40 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 0000000320002729009 W Account Number: 5291-4917-6078-3025 Due Date New Balance Minimum Payment Amount Enclosed - ----- --------- . Apr 18, 2011 1 $16,231.35 $2,729.00 PLEASE PAY AT LEAST iHISAMOUNT JEFFREY R L.ICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 "III11111111'11'1'11"IIIIIIIII'I'Ill'II"III"II"I'Illllllllll Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information AQ Manage your account in privacy 400006 EXHIBIT A Capital One Bank (USA), N.A. P.O. ox 71083 CharlBotte, NC 28272-1083 n111Prlll^n4lrlrllllnl?rllllllr•II•Irlllrll^Ilhllllrlnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JEFFREY R LICHTEL INTEREST CHARGE CALCULATION 500343 Cap?"- Your account works differently now that you're 7 payments late. Please see the next page for important account information. Page 1 of 2 1400-258-9319 www.capitalone.corn/solutions Mar. 22 - Apr. 21, 2011 31 Days in Billing Cycle IMPORTANT ACCOUNT UPDATES Platinum MasterCard 5291-4917-6078-3025 Your full balance is due. Any payment you make will reduce your balance and help payoff NEW BALANCE PAYMENT DUE DUE DATE your debt faster. The amount you owe may differ if you've ertered into a separate payment agreement. $16,496.47 $16,496.47 PAST DUE Available Credit: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 516 231 35 - - 30 00 -) + S265,12 l } $0.00 = S16,49647 TRANSACTIONS _ PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 FEES 1 1E APR PAST DUE FEE S35 00 Total Fees This Period $35,00 Total Fees This Year $140.00 INTEREST CHARGED INTEREST CHARGE PURCHASES $207.35 INTEREST CHARGE'.SPECIAL TRANS $22.77 Tota I Interest This Period $230,12 Total Interest This Year $876.49 Help is Available. Just pick up the phone. Call 1.800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.900/ D $13,639.05 520735 Cash 24.90% D $0.00 S0.00 SpecialTrans 9.90% $2,707.88 S22 77 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE. 1 5291491760783025 21 0000000320000000003 W / Account Number: 5291-4917-6078-3025 Due Date New Balance Amount Enclosed Past Due ( $16,496.47 __------- JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 '1111"Ilrrlii1rr11,IILlllll,Irrr1111ILn11'1111"II'1111'IIIL 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 J Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 I I I I I I I' I I I"I I I11' 11. 1111111'' 111111"I I' I' I I I' I I"I I I I I I I I' I I I I EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. o1 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. Caiip?- Page 1 of 1 1.804258.9319 WWW.Capitalone.Corn/solutions ( Apr 22 - Jul. 20, 2011 MASTERCARD PLATINUM 5291-4917-6078-3025 NEW BALANCE PAYMENT DUE DUE DATE $16,894.67 $16,894.67 Past Due If Available Credit: $0.00 IMPORTANT ACCOUNT UPDATES Your full balance is due. Any payment you make will reduce your balance and help pay off your debt faster. The amount you owe may differ if you've entered into a separate payment agreement. Previous Balance Payments and Credits Fees Interest Charged New Balance 516,496.47 - $0.00 + $0.00 J + 5398.20 = 516,894.67 TRANSACTIONS 1 PAYMENTS, CREDITS & ADJUSTMENTS FOR JEFFREY R LICHTEL #3025 FEES Total Fees This Period $0.00 Total Fees This "ear $140.00 INTEREST CHARGED 1 24 APR INTEREST CHARGE $8.94 !i 2 24 MAY INTEREST CHARGE $134.23 3 24JI1N INTEREST CHARGE $138.70 4 201U'.- IN FEREST CHARGE $116.33 Total Interest This Period $398.20 Total Interest This Year $1,274.69 Help is Available. Just pick up the phone. Call 1-800-256-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account, Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) to interest Rate Interest Bearing 9.900% $16,495.63 $398.20 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COWSOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 5291491760783025 20 0000000000000000000 Account Number: 5291-4917-6078-3025 Due Date New Balance Amount Enclosed Past Due $16,894.67 Manage your account online. Aia Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. JEFFREY R LICHTEL 13 KOWER CT MECHANICSBURG, PA 17055-5354 Capital One Bank (USA), N. A. EXHIBIT A P- O- BOX 7108 3, CHARLOTTE, NC 8272-1.83 rlllll,1,rl'Illlrllllllllllll,Ll,IrIIIIIrrrIII?I?I??II?IIJI'I11 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. I CYCLE # 21 CAPITAL ONE CYCLE FACSIMILE REPORT ACCT-ID: 01760783025 CARD# 5291491760783025 STMT-TYPE: ENGLISH PREV-BALANCE: $16,231.35 PYMTS&CREDITS $0.00 $0.00 NEW-BALANCE $16,496.47 MINIMUM PYMT $3,159.00 CREDIT-LIMIT: 15000 CREDIT-AVAIL 0.00 0.00 RPAY-TOTMTHS: 381 RPAY-TOTCOST 836,613.33 $21,049.59 INTEREST-CTD: $230.12 INTEREST-YTD $876.49 $140.00 03/22/2011 - 04/21/2011 REWARDS: Y TPC: MP HOLD: 000 SAC-PGM: INTR CHRGS : $265.12 TRANSACTIONS: PAGE 2877 LATE FEE $35.00 DUE-DATE 05/18/2011 CASH-LIMIT 3000 CASH-AVAIL 36MA-MTHPAY: $584.71 36MA-TOTCOST: FEE-AMT-CTD: $35.00 FEE-AMT-YTD : HIGH-LATEFEE: $35.00 HIGH-PNLTY-APR: 29.40% OVERALL-APR: 0.000 CLOSE-DATE . CHRGOFF-DATE: OOB: N MISS-ADDR: N BK-HOLD: N BANKRUPTCY: N LEGAL: N CTC-CHG-IND: NEW: N EBPP: N ARCH: N REASON: 00 HARDCOPY: 04 ACTIVE WATCH: WO CRED-RVK: PD CUR-PD: 07 CTC IND: INS: RETURN-MAIL: CLOSE: CHARGED-OFF: XFER: FRAUD: OL: 01 MULTI-IND: S PROV-ID: 000001 US PROF-CNTR: 0000000001 COB SERVICE-OWNER: 000023 Superprime OL-OPTIN-IND: TBAL C/I BALANCE AMOUNT RATE CORR APR INTEREST CHRGS JEFFREY R LICHTEL Purchases 0001 01 13,639.05 00.0490400 0017.900000000 207.35 13 KOWER CT 0.00 MECHANICSBURG 22.77 PA 17055535413 US NAME: JEFFREY R LICHTEL Cash 0002 01 0.00 00.0682200 0024.900000000 SpecialTrans 0007 00 2,707.88 00.0271200 0009.900000000 TRANSACTION DATA SUMMARY CUST TYPE: 0 PRINT AREA: 001 NUM OF CREDITS: 00000 AMT OF CREDITS: $0.00 NUM OF PYMTS : 00000 AMT OF PYMTS $0.00 NO CREDIT TRANSACTIONS FOR THIS CYCLE NAME: JEFFREY R LICHTEL CUST TYPE: 0 PRINT AREA: 020 NUM OF DEBITS 00000 AMT OF DEBITS $0.00 NO DEBIT TRANSACTIONS FOR THIS CYCLE NAME: JEFFREY R LICHTEL CUST TYPE: 0 PRINT AREA: 070 NUM OF DEBITS 00001 AMT OF DEBITS $35.00 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER 04182011 PAST DUE FEE 35.00 04182011 D N 5291491760783025 NAME: JEFFREY R LICHTEL CUST TYPE: 0 PRINT AREA: 090 NUM OF DEBITS : 00002 AMT OF DEBITS : $230.12 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER 04212011 INTEREST CHARGE:PURCHASES 207.35 04212011 D u 5291491760783025 04212011 - - - - - - - - - - - - - - - - INTEREST - - - - - CHARGE:SPECIAL T RANS - - - - - - - - - - - - - 22.77 04212011 - - - -- - - - - - - - - - - - - - D it - - - - 5291491760783025 - - - - - - - - - - x y CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JEFFREY R LICHTEL 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 7anelief Dated: iverman N00000038968440 041271784 A088 HAYT, HAYT & LANDAU SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy PROTHONO 7311 Noy 28 AM 8* X41 Richard W Stewart Solicitor Capital One Bank vs. Jeffrey R. Lichtel CxK?"l clitiBEPL,AND DUUI^ i `( PENNSYLVANIA Case Number 2011-8496 SHERIFF'S RETURN OF SERVICE 11/16/2011 11:20 AM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on November 16, 2011 at 1120 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Jeffrey R. Lichtel, by making known unto Nichole Lichtel, Wife of Defendant at 13 Kower Court, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $38.44 November 17, 2011 1 RO RT BITNER, DANSWERS, RONK?Y R ANDERSON, SHERIFF . , :-ru: ySu,te Sher:•F, 1, elecsc'I. In:.. FILED-OFFICE ijr Tft PROTHONOTARY LAW OFFICES OF 2012 JAN 13 AM 11 HAYT, HAYT & LANDAU, LLC D COUNTY By: Arthur Laskin, UMBERtAN?ENNSYLy ney for Plaintiff Identification No. 23423425 5 123 S. Broad. Street Suite 1660 Philadelphia, PA 19109-1003 (215) 928-1400 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL, DIVISION No. 11-8496-CIVIL TERM PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE PTO THE PROTHONTARY: Kindly discontinue the above captioned matter without prejudice. LAW OFFICES OF HAYT, HAYT & LANDAU, LLC By: Attorney for Plaintiff