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HomeMy WebLinkAbout11-8761SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor OFF11 F " V -,-ERIrF THE PR'0 HON ream 2011 NOV 30 AM E1: 40 UMBERLAlib COUNTY PENNSYLVANIA Portfolio Recovery Associates, LLC vs. Nicole L. Nickells Case Number 2011-8761 SHERIFF'S RETURN OF SERVICE 11/23/2011 09:10 PM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on November 23, 2011 at 2110 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Nicole L. Nickells , by making known unto herself personally, at 771 Hamilton Street, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to her personally the said true and correct copy of the same. ROB ?TBITNER, PU SHERIFF COST: $34.00 November 28, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF C9urnYSute She iff 7eier;so,'l ":C. Carrie A.Brown,Esquire PA Bar#:94055 T11-1E PR O TF i 0 N O TA n Y Robert N.Polas,Jr,Esquire PA Bar#:201259 Mark R. Garvey,Esquire PA Bar#:312686 [L i it — 11i1 to: 59 Portfolio Recovery Associates,LLC 120 Corporate Blvd. CUMPERLAND COUNTY Norfolk,VA 23502 PENNSYLVANIA TELE: 1-866-428-4102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PA CIVIL ACTION—LAW PORTFOLIO RECOVERY ASSOCIATES,LLC Plaintiff No. 11-8761 CIVIL V. NICOLE L.NICKELLS Defendant PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS INTERROGATORIES AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that Defendant answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that Defendant answer and respond to the following Request for Admissions pursuant to Pa. Rule of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. t , 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. ,6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the. foregoing, includes natural persons, joint owners, associations, companies, partnerships,joint ventures,trusts, and estates; B. The word "documents(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. he words "identity", "identify" "identification" when used with respect to a person(s) means.to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify" "identification" when used with respect to a dated, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each ep rson who have possession, custody, and control of said document(s). If any such document was; but is no longer in possession, custody, or control, or in existence, state the date.and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) described the substance of the event or events constituting such an act, and to state the date when such an act occurred; (2) identi each and every person(s) participating in such an act; (3) identi all other erson s (if any)present when such an act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such 1 information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced; list the individual and his or her job title and department from whose file it was produced and all current custodian of said document. If a document called for it is believed to exist or is known to exist, but is in the possession, custody or control of another person or parry, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian, or disseminator of such document. If any document called for by this request is withheld on the basis of any claims of privilege or any similar claim, identify that document as follows: author, addressee; indicated or blind copies, dated, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1 Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend and/or provide testimony on as evidence at the time of the trial. REQUEST FOR ADMISSION NO. 1: Defendant applied for the Credit Card referenced in the Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 2: Defendant has failed.to make all required payments on the credit card. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 3: The attached monthly statement correctly identifies the payments, charges, and balance on the account. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply copies .of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial.. REQUEST FOR ADMISSION NO. 4: Defendant has not submitted any written dispute as to the billing inaccuracy concerning the credit card in question during the time the account was opened on May 5, 2008 until the last payment date of July 25, 2009. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies REQUEST FOR ADMISSION NO. 5: $998.15 is the correct and accurate balance of the credit card account in question at the time the account was charged off. Admitted Denied If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. REQUEST FOR ADMISSION NO. 6: 6. Please admit that you agreed to pay Plaintiff's predecessor all amounts due resulting from the use of your credit card account, including any finance charges and other charges due under the terms of the agreement. Admitted Denied If the answer to Request for Admissions No. 6 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. REQUEST FOR ADMISSION NO. 7: 7. Please admit that for each month you had a balance on your credit card account, you were sent, by mail or otherwise, a bill, statement of account, invoice or other request for payment showing all transactions billed to your account during the billing period. Admitted Denied If the answer to Request for Admissions No. 7 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. INTERROGATORIES 1. Please identify the person(s) answering these Interrogatories. ANSWER: 2. Please identify each and every person that has assisted you in responding to these Interrogatories. ANSWER: 3. Separately, for each of your answers to Requests for Admissions 1 through 9 above where your answer is anything other than an unqualified admit, please: a. State each fact known to you upon which you rely to support your denial or qualified answer; b. If your response is that you do not have sufficient information or knowledge to admit or deny, then describe each effort you have made to acquire the information you feel would be necessary to admit or deny the request; C. Identify each document known to you which you believe contains information relevant to your answer; and d. Identify each witness known to you who may have knowledge with respect to the.information upon which you rely for your denial or qualified answer and as to each witness, state the information you believe is known to them with respect to your answer. ANSWER. 4. If you filed affirmative defenses to Plaintiff's Complaint, separately for each defense, please: a. State the factual basis that supports your defense; b. Identify each document known to you which you believe contains information relevant to your defense; and C. Identify each witness known to you who may have knowledge with respect to the information upon which you rely for your defense and as to each witness, please state the information you believe is known to them with respect to your defense. ANSWER: 5. Have you ever requested Plaintiff's predecessor to open a credit card account in your name? If so, please state the credit card account number(s). ANSWER: 6. Are you aware of any credit card accounts with Plaintiff's predecessor opened in your name? If so, please state the credit card account number(s). ANSWER: T. Have you ever-made a purchase or obtained a cash advance by using a card, account number and/or account access check issued by Plaintiff's predecessor? If so, please state the credit card account number(s) and the date(s) of the purchase or cash advance. ANSWER: 8. Has Plaintiffs predecessor ever sent to you, by mail or otherwise, any bills, statements of account, invoices or other requests for payment? If so, identify each document and state whether you objected to it. If you have objected, identify each objection, including whether it was written or'oral. ANSWER: 9. Have.you ever objected, in writing or otherwise, to.any bills, statements of accounts or invoices you were sent? ANSWER: 10. If you keep records of purchases or payments with respect to your credit card account with Plaintiffs predecessor, do these records show a balance owing on the account? If so,what is that balance? ANSWER: 11. Is there any portion of Plaintiff's claim that you admit you owe? If so, state the amount that you admit you owe to Plaintiff and any facts that support your claim that you do not owe the rest of.Plaintiff s claim. ANSWER: 12. If you claim that the account on which Plaintiff is suing is inaccurate, specify each inaccuracy and any facts that support your conclusion that the account is inaccurate. ANSWER: Respectfully Submi ed By: / Carrie A. Brown,Esquire#94055 / Robert N.Polas Jr.,Esquire#201259 Mark R. Garvey,Esquire#312686 Carrie A.Brown,Esquire PA Bar#:94055 Robert N.Polas,Jr,Esquire PA Bar#:201259 Mark R. Garvey,Esquire PA Bar#:312686 Portfolio Recovery Associates,LLC 120 Corporate Blvd. Norfolk,VA 23502 TELE: 1-866-428-4102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION—LAW PORTFOLIO RECOVERY ASSOCIATES,LLC Plaintiff No. 11-8761 CIVIL V. NICOLE L.NICKELLS Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Request for Admissions, Interrogatories and Request for Production of Documents upon Counsel or the Defendant, by First Class Mail, Postage Pre- Paid, a copy thereof on this I day of 2013 to: KARL E.ROMINGER,ESQ. 155 SOUTH HANOVER ST CARLISLE,PA 17013 By: Carrie A. Brown, Esquire#94055 / Robert N. Polas Jr.,Esquire#201259 Mark R. Garvey,Esquire#312686 11-01693 '16-digit'Account Number ,.....,._...,...,..._...rr 520*T ..� :Customer Type N :Customer Name <NICKELLS NICOLE L �Customer Street Address 771,HA`MILT6N„CT CustomerCity...:....:.:...:.:...,......:....._,.,:..::.:..,...:..::......:... .CARLISLE...:.:.:..:....:.......w:..,..:...,..,...:.::.. ;Customer State,..,..»:.........:...:.....:.«.:w:.::.,.,..,.:........, PA:,..:,...............»...:.,:.:....::.:.,..:...w....:.:.:..� €Customer Zip Code 117013-1519 i ICustomer»Phone Number ..::,.::_.:..:» 4.5.5.019 i €Customer DOB 101/25/ :Customer SSN ` 048 ,Secured Card Indicator -N :Interest Rate 19.900 FOpen..,Date::...:.:::..w...�..,..:................h,w....w...,...........,.._.�...,:::�05/05/2008»: ..,:.�..,_....:..:.:. � EDate of First Delinquency 109/25/2009 €Charge-off Datew::........:..... »,.,..:.,.....:.,...................:.,}03/10/2010.w.,............:..........:... ::».,::::.:..:....::.:::.:.:..:::,::.::::::::::::::::w::::::::...:..,.:..:::.,....:..:::.,..,:...:,.::..:.:.:..:::.:::.,:.::::::::::....:.,...:::::.::::::.:.::... _.:::..:.:..,,.::..:.,.,::....,.:..:� 'Last Payment Date ;07/25/2009 ,Last Payment Amount 0000000000000000.001 .::::::: (Charge-off Amount 10000000000000980.00 'Current Total Balance 1000`0000000000998.15 Post Charge off Interest 0000000000000018 151 ,Post Charge-off Fees ;0000000000000000.00 €Secondary Customer Name Secondary Customer Street Address ,Secondary Customer City i ,Secondary Customer State f.,..,..,,w.w.:M.wwww:»:...w::.,v w.r...,...:..:»..�:......»....:.,..w....v......v......,,,..w:.:.v...» 6econdary Customer Zip Code fw :......:.........r.,r...r..,..x....�...v:.,,.....,,...n.......,.n:n m.n.n.n.:nn n.:n:..x..+n, (Secondary Customer Phone Number: ,Secondary Customer Date of Birth Secondary Customer SSN Data printed by Portfolio Recovery Associates, LLC from electronic records provided by CAPITAL ONE BANK,N.A.pursuant to the sale of accounts from CAPITAL ONE BANK,N.A. to Portfolio Recovery Associates, LLC on 4/19/2010 PORTFOLIO RECOVERY ASSOCIATES,LLC 140 Corporate Boulevard Norfolk,Virginia 23502 Telephone: 1-866-428-8102 Fax: 1-757-518-0860 Statement of Account Account: ************6520 NICOLE L NICKELLS Account Holder: NICOLE L NICKELLS 771 HAMILTON CT CARLISLE PA 17013 Consumer Account Product Code:MC Issuer: CAPITAL ONE BANK N.A.I Assignee: Portfolio Recovery Associates,LLC Account Number: ************6520 Date Account Opened: May 5,2008 Date of Last Payment: July 25,2009 Date of Charge Off March 10,2010 Balance at Purchase: $998.15 Purchase Date: April 19,2010 Balance at Charge-Off. $980.00 Less Payments: $,00 Balance Due: $980.00 11-01693 CAPH91 THIS COMMUhIICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPTTO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Exhibit 1 to Forward Flow Receivable Safe Agreement dated December 18th,2009 BILL OF SALE Closing Date:April 19'h,2010 Capital One Bank(USA),National Association("Seller"),in consideration of a Purchase Price of .. and other valuable consideration, the receipt of which is hereby aclmowledged, hereby sells, assigns and transfers all right, title and interest in the Accounts identified in the Sale File entitled 20100413.PS40CP.SLDFLEI.TXT (which may be in electronic form) to Portfolio Recovery, Associates, LLC (`Buyeel, without recourse or representation except as expressly provided herein or on the terms,and subject to the conditions, , set forth in the Agreement(as defined below). This Bill of Sale is delivered pursuant'to that certain Forward Flow Receivable Sale i Agreement, dated as of December I e, .2009, by and between Seller and Buyer (the "Agreement'). All capitalized terms used, but not defined, in this Bill of Sale shall have the meanings assigned to such terms in the Agreement. I The Cutoff Date for the Sale File was April 13'h,2010. I i CAPITAL ONE BANK(USA), NATIONAL ASSOCIATION B Y { Name: Jonathan Stalls Title: Recoveries MVP i PH C i AFFIDAVIT OF ASSIGNMENT I am an authorized agent of Capital One Bank (USA), National Association ("Seller"} which owned the account of the customers) named below under the account number specified. The account was subsequently sold, assigned and transferred to Portfolio Recovery-Associates, LLC. ("Buyer") on or about Apr 13, 2010. The statements in this affidavit are based on the computerized and hard copy books and records of the Seller, maintained in the ordinary course of business, the entries having been made by a regularly operated business. The affiant is authorized to make the statements and representations herein. Customer(s) : NICKELLS,NICOLE L Account- Number: 520 A computerized ending balance and charge off date were maintained on the Seller's database. The end balance showing on the books and records of the Seller at the time of the assignment of the account to Buyer was $ 998.15 on Apr. 13, 2010. The charge off date maintained on the Seller's database for this account is Mar 10, 2010. Dated this 07' day of Month lo/-)"ar. S rtee of •VIRGINIA County of CHESTERFIELD Sworn and subscribed before me on this day of 201'1 . i%,,, NOTARV NOTARY PUBLIC PUBLIC REG REr7#724#724 70 My Commission expires: MY COMMISSION EXPIRES % 7131IM3 k ;e 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. 12tMEMBER FDIC Cap�ta LENDER what's in your wallet? FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date i $592.225 — $30.00. +�$6 �+ $68.00 =$641.71 $60.00 Apr.27,2009 Mar.03,2009 —Apr.01,2009 Page 1 of 1 J ���JJJ PLEASE PAY AT LEAST THIS MIOUNT MasterCard Platinum Account ) payments,Credits&Adiustment5 520 I 1 30 MAR CAPITAL ONE ONLINE PYMT AUK)ate 29-M AR $30.00- Your Account Information TOTAL CREDIT LINE Transactions TOTAL AVAILABLE CREDIT $500.00 2 27 MAR PAST DUE FEE $39.00 $0'00 3 Ot APR OVERLIMIT FEE MAR 27,2009 CREDIT LINE FOR CASH $500.00 $29.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges(Please see reverse for important information) Your account has gone over its credit limit.To avoid additional overlimit fees,you should pay more Than Balance rate Periodic Corresponding FINANCE the Minimum Payment.Please pay enough to bring your account balance below your credit limit applied to rate APR CHARGE immediately,and make sure your account balance remains below your credit limit.Please be sure the Purchases $602.53 0.063421%D 23.15% $11.46 amount you pay accounts for any future purchases,fees,and finance charges. Cash $0.00 0.06342%D 23.15% $0.00 ,ANNUPERCENTAGE RATE applied this period: 23.15% J You were assessed a past due fee because your minimum payment was not received by the due date.To AL- avoid this fee in the future,we recommend that you allow at least 7 business days for your minimum At Your Service-Go to .cad cm tabnecom to manage your eunl, payment to reach Capital One. Q www or Cal:1-800.90N637 to report a lost or stobn card or speak to Customer Relalions ® Pay Online at www.cwhabne.com a mdlyour payment to: Caplal One Bank(USA),HA.•P.O.Box 71083-Charlotte,NC 28272-1083 - ASend Inquiries to: Capital One-P.O.Box 30285•Sat Lake City,UT 84130.0285 ® 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, Ca�Nr - 6520 Account Number: 6520 Due Date New Balance Minimum Payment Amount Enclosed Lend a hand Save the /and. C----� ��� Manage Your account online today- pr.27;2009 l —$641.71 $60.00 it's fast,easy and secure. -----� ---J`• to Pay online anytime—no more checks,stamps or clutter. PLEASE PAY AT(FAST THISAMOUNT Q Moving?Change your address online or on the back. ®Help save the planet—Go paperless. #9009249289903176# Q Sign up at www.capitalone.com. NICOLE L. NICKELLS 771 HAMILTON CT Capital One Bank -(USA), N-A. CARLISLE, PA 17013-1519 - P.O. Box 71083 II11'II111"I"III'Il"II'Illll'IIIII"IIIIIII'I'Il"1111"111111 Charlotte, NC 28272-1083 1111111'III"uhl'h'hlPll"IIn1r'll'1'lll'll"IIIdI IhlTll Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car,or refinance the one you already have. Banking Free online Savings accounts with one of the best money market rates in the nation, Personal Loans Consolidate your bills,buy what you need or have extra cash on hand. Healthcare Finance Braces, laser eye surgery,and more—we can bring medical costs into focus! Visit capitalone.com to learn more! Products and services offered by the capital One family of companies,including Capital One Bank(USA),NA,and Capital One,NA.,members FDIC C.pimi Oncis an Equal Morning undo®20M Capirat Ont.Coi./Onr it a frAemttf regiri�f znavr mark Aft,;&_voi ' b02 of 1.How to Avoid a R-rum Charge. 3.Annual Percentage Rome(APR). a.Grace Period.You will have a minimum grace period of a7ne iemn"Annual PemoMa aRme" S.Notice About Electronic Chock Conversion, g may appear as APR" 25 days wflhoul finance Chafg.W new Pwbbww,now an the front of this statement When you provide a cad:lls Raymem.Yaf eutnortz:us Canines hansfers.new special purchases and crew aanato use Wormalion from your or,$"to make a ono-flee b,tt the coda P 1.of S(Be Prime).t ime)aany LIBOR),C doer charges a you pay your totlal"New Balance".In afeclrak:fund fleeter from your tlepait eosou nt or a (Oarieay GO),of ( nkarO Prime) ill payment as a Meek lransadlon.When we use be e ow.and with the lot Ndod for your pay process the low,and in time for h ro De aeditatl by your payment d this statement nazi to Iho parodic mta(s).Ina periodic Intammbn from your check to ma%e an electronic fund rates and cadasPonding ANNUAL PERCENTAG£RATES yore depose account due date.There is to grace pertCtl on cash advances may very quarterly and may urorease or deems":based lraruter,luntls may De wandmwn from orb special Immlens.in addition•there is no grace on the slated Indices.as found in The Wag Strad Journal as soon as the same day we receive your payment.and you period a1 any Inummobn a you do not pay the total will not receive your check back from your fireecf5l plus the margin:rev OUSly discroa00 to you.These "New Balance." Institution.Your autharlEatbn is not limned by fa tlme on the changes will be by r the nw ay t young infi D.Accruing Finance Charge.Trensadions which are not Period=Voted by your perioab statement ending Po tea Check.We may resubmit and eledroniCaly celled returned subjed to a grace period are assessed gnaroe charge 1) mantis of January•April,July and October. payments, gam the dale d em usemdbn a 2)nom the oats Ins c.h the Code 0(Monthly Prime),F(MCmhy,LIBOR),ar G B.Bankruptcy.(I you are entitled to bankruptcy prdeotbns for banssotion is processad to your Account or 3)from the (Treasury UOCR)appeals on the from of your slmement your account this communication is only for Informational first calMda day al in currant billing period.Addhlonaly, nerd b the periodic rate($),the periodic wes orb purposes.it Is not an anompt to called.assess or recover a a you Old not pay the"Now Beloneo"from the previous corresponding ANNUAL PERCENTAGE RATES may very debts claim,00 not send any payments directly to us billing period In fun,fleance charges caminue to accrue to monthly and may Increase a decrease Dead w the stated wfthom speaking with your bankruptcy anomey or Ile your tmpwtl Dwane uMt#to unpab balance 75 pant in indices.as found a Toe Wag Street journal.plus is Bankruptcy Cam.a you want to oomad us about your full.This mans that you may still owe finance charges, margin Drevbusy disobsed to you.Those changes will be account or your bankruptcy proceedin g.please have your even ayou Pay the erdim New Balance Indicated on the effective on the first day of Your billing period each moms, attorney contact us. bad otypur statement byte payment da data,but rib .4,Assessment of Let%Ovemmlt and Returned�Payment not do so tot the previous month.Unpa s finance charges Facts,Under The terms of your customer agreearera.we t8#LUNG RIGHTS SUMMARY era added to the spp6cade segmam of your Account, reserve is right fro waPre of Cot b assess any fees w11mal (in Cosa of Errors a Ovestions about You BI#q C.Minimum Finance Charge.For Own billing period the If you thin%your bill a wrong,of ft you need mac iMOmmnbn an your account a subject to a imerrw char prior rrotifoston b you withom waiving our light ro assess I fie,a minimum the some or similar fees at a later lime, a tmnsaelion a MIL,w le to vs w a separate street as soon as total FINANCE CHARGE of$A.50 will Da Impeded. Renewing Possible al the address fa inquiries shown on the from d this d.Te 5.Membership Fee ere n this s Your Aoceum.if a Temporary Reduction In Fm.na Charges.es of any membership tog appears an this statement wta Crack the statement.u In most bear nom you no last than bl days pear the night to not assess ant or slf limauce charges for any fee a you request to close your amount within 30 days of the we sont you to first eta on wniM to$nor a:Twee appeared, liven bin.g Period. mustang of this statement You may continue to use the Yau Can Cali our Customer paid Ions number or allay m by 2.Average Doty Balance(Including Now Purchases). account during the 30 day period before your mquesl.If you small a embsa:,but doing so will trot pros erve Your fight s•In Finance balance of leer on segment d your account(aag.cash a it y pay all charges owed on this account you in qu days. 00000UM nrumberuthe dollar following mount Or the suspected wo v,rya+use yourosdd dim arauvoum aaer you request to tlosoiplbn d the----o anafbn.a parsiWe.of wiry advance.purCnwe.special transfer,and special purchase) close.any numerable previously waved may be by the corresponding defy periodic rmo(s)that ties been minstaloo to your account. you believe that:Is an error:or ayou mod move Information•a previously disclosed to you.At the antl of each day during B,Closing of Suspending Your Account.You may request desaiplion at the from you am unsure about.You do not have to In.billing Period.wo apply the daily periodic rate tot each that you(account be closed by ailing or wrain9 our pay any amount In question while wo em Investigating ft.but apgm9m d your acooum b the day balance of each �Cussomer Relations Department.At the giro of ydrr request you am still Obligated to pay the pads d your bill Read pro not In segment.Than at the and of the billing{ratted.w:add up we wad:levee you worn atldaidls#68ta2ts on dosing your questim While we investigate your question,we camel report the results d these daily alcuimions to arrive m your you as 6eitrpuoM a take arty action ro called fie amount you we will.This may include payment Information.its n o if you use Periodic finance Charge for ach segmold,We add up the your cmdIt cam or charges pmt to your account*flat you ask question' swuns from wall segment to emus m the foal periodic us to close your account we an keep yourpmourd open or 8-11 Marge for your account m t lid the daily weior reopen a.We may close or suspend your account and your n you hems Rule rove �hhtt Card e 4 tce lad properly or sawkes each segment d your area and did any The beginning right to obtain credit.We may ob Iists at any time and for any aaance tpeeriodidic nrwnce charge Calculated an the previous mason,even h you are not in default A suspension of your faith you o coned the problem with the nlamhoM.you emay h#ava� and an account an be pormanem or temporary.a your account is days Deana for that segment.We ins subtract any dosed a suspended.you must stop using your cmda cord fight not to bey to remaining amount due on the property a Payments or Credits posted as of lest day that ate allocated and acedum.You must alsoeamst alt preeuthoaxetl bgikg services,YOU have this protection only when the purchase price IQ that segment This gvas us the sepawe dairy balance tot #nangemants b the tecoum.We will not do this for You,a was maa than 550.00 and the purchase was motto in your earn segment d your amount.However.a you PAW to we ngea Cr p;So the co suspend you{or aWnt you must hallo state Of within 100 miss d your matting address.(11 we New Balance shown on your previous sate mrmd b full(a d also destroy all Credo ems prod y ouM acces s checks,You own or operate the merchant a a we ratified you the you r new,De lance was coma a credit amount)•new must mgt pay as amounts you rows o M to acceunt,even a ativpriisanrent for the properly a services•all purchases are lmaredlom,which post ro Your Purchase ot specs( they were charged eels your account a stared a Covered regardless of amount a laomim of pumas$.)Please punches.segments are rot added tote dairy befances.We theywoaa. remember to sign all toaespondenee. calculate the average dotty baisaw by adding eg the dairy 7•Making Payments.Payments you mail I us will be cradaed balances together and dividing to aum by the number d to your aocoum as of la es business day we receive a, t Go not apply to business amounts The days in the current piping cycle.To calculate your lose provided(f)you send the bell=portion of this saament capital One supports Privacy protection:sa our finance Merge.multiply your average daily balance Who. and your Meck in to enclosed mmdfa der mwefope antl(t) capital lei ma� dotty perod.Due b r 01.9 on a defy basis oaf due to mnimum yourpsym ent is receved a our processing arder Dy 3pm ET Capitol One is a fadomly registered severe=fit of Capital One fiance Marge assessment tare may be a va"ance (12soon PT).Pimsa anowai laast five(5)bwfmss days for Financial Corporwion.All rights reserved,02000 Copost One postal delivery,Payments moolved by us so any other between this cabulallm and the smoum of finance charge location a In any other forth may not be credited as of to actually assessed. daY the mdave tam.Our business data am Monday through saturday,,mew tog mad olamil 50-I•oarwm Changing Address? Not quite ready to make payments online? Address........................................................................:.................. No problem. Follow these simple steps to make sure _............_..........._................._..................._...,.......... we process your payments smoothly: Home Phone.—....................... � Don't staple or paper dip your check to the payment slip. Alternate Phone................... •le sure to use the payment envelope that came with your E=mail statement.Using a different envelope could delay processing. Address........................................................,............................ • Please don't include any additional correspondence. •Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue of black ink number on your check. s0000 Cap5000013 what's in your wallet? It could happen to anyone. Make sure you pay the amount NICOLE L NICKELLS 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 Youffre ' ' BETTER INTEREST RATES by I payment (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS(when you want to buy a home or new car) 0 2009 Capital Om.Capital O t is a frdm ily r.utmd sm ire mark.All righe resen d. FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date $641.71 — $0.00 + $12.47 $78.00 = $732.18 $122.00 May.26,2009 Apr.02,2009 —May.01,2009 Page 1 of 1 PLEASE PAY AT LEAST THIS AMOUNT MasterCard Platinum Account You're behind by one payment.Remember that paying the minimum payment by the due date keepsyour 520 account current.So make sure you send in the minimum payment to keep your account current. Your Account Information Payments,Credits&Adiustments TOTAL CREDIT LINE $500.00 TOTAL AVAILABLE CREDIT $0.00 Transactions CREDIT LINE FOR CASH $500.00 1 27 APR PAST DUE FEE $39.00 AVAILABLE CREDIT FOR CASH $0.00 2 01 MAY CAPITAL ONE MEMBER FEE $39.00 Finance Charges(Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to Tale APR CHARGE Under terms previously disclosed to you,some or all of your Annual Percentage Rates{APRs)have been Purchases $655.45 0.06342;6 D 23.15% $12.47 increased since your accountwas past due twice in the past 12 billing cycles.If your rates have already Cash 50.00 0.06342%0 23.15% 50.00 increased,subsequent delinquencies extended the duration of the increased rates.Remember:If we ANNUAL PERCENTAGE RATE applied this period: 23.15% receive your minimum monthly payment on time for 12 consecutive billing cycles,this account will be reviewed for a possible return to your Non-Introductory APR. QAt Your Service-Go avn wNxedtetne.com to mmegeyour aLooum. Your account has gone Over its credit lima To avid additional Overlimit fees,you should pay more than or Cat 1MO-903.3637 to report a bst or stolen card or speak to Customer the Minimum Payment.ay ment.Please pay enough to bring your account balance below your credit limit immediately,and make sure your account balance remains below your credit limit.Pisase be sure the ® Pay Online at w .cm8ebne.mm Or matyour payment to: amount you pay accounts for any future purchases,fees.and finance charges. Capital One Bad(USA),NA-P.O.Box 71083'Charbtte,NC You were assessed a past due fee because your minimum payment was not received by the due date.To 28272.1083 avoid this tee in the future,we recommend that you allow al least 7 business days for your minimum eSend Inquiries to: payment to reach Capital One. Capital One-P.O.Box 30285•Sat Lake Oly,UT 84130.17185 ® 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 W W W.CAPITALONE.COM TO MARE YOUR PAYMENT ONLINE. 6520 Cap�Fa�j�- Account Number 6szo Lend a hand. Save the land. Due Date New.Balance Minimum Payment Amount Enclosed Manage your account online today— May.26,2009 $732.18 $122.00 it's fast,easy and secure. ®Pay online anytime—no more checks,stamps or clutter. PLEASE PAY AT LEAST THISAMOUNT Q Moving?change your address online or on the back ®Help save the planet—Go paperless. N9012249289903171# ®Sign up at www.capitalone.com. NICOLE L NICKELLS 171 HAMILTON CT Capital One Bank (USA), N.A. CARLISLE, PA 17013-3519 P.O. Box 73083 I'I'I'ill'I'II'I.Irllllllllll'IIIlllllllll'Ill'Illl'Illl'Illll"I Charlotte, NC 28272-1083 nlllll'ill"ulll'h'hllul"Ilnll^II'I'lli'll"IIIIIId'Inl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. 001 of 1..How to Avoid a Finance Charge. 3.Annual Percentage Rates(APR). a.Grece Period.YOU will have a minimum grace period of a.The term"Annual Percentage Rate"may appear as"APR" B.Noll"About Electronic Check Conversion. 25 days without finance charge on new purchases.new On thefroM ofihls statement, When you provide a chap(as payment.you authorize us balance beaters,new Special purchases and new either 10 use inf—hallon from your check to make a one-lime D.(Qua code P).or Say Prime).L Prime)(Quarterly LIBOR).C other charges d you pay your total"New Balance".in electronic Lund transfer from your deposit account or to accordance with the Important Notice for payments (Quarterly Sta erne or S t to the pe Prime}appears on ldbodic process the payment as a check transactor.When we use below,and In time for ft to be Manned 0 ra this statement next to the periodic Weis).the EBRATC y your payment rates and quarterly and ANNUAL PERCENTAGE RATES Information from your chocklo make an electronic fund due date.There Is no grace period o cash advances may vary quarterly and may increase or decrease based transfer,funds may be withdrawn from your deposit account and SPegaltmnshus.In addition.there is no grace as soon as the same day we receive your payment,and you o the staled indices,as found in The Wall Sir se Joumal. will not receive your checK Dack from your financial period many lmnsectien if you do not pay the total plus the margin previously disclosed to YOU.These "New Balance." changes will be effective m the first day of your billing instftution.Your aulhoazalion is not limited by the date On the b.Accruing Finance Charge.Transactions which are not period covered b check.We may(esubmft and emcIrmuCally-41W returned sub)ect to a grace Period are assessed finance charge 1 Y.April, statement ending in the payments, g ) months d January.April,July end October. from the date q the transaction or 2)hom the date the 9.Bankruptcy:If you are entitled to bpnkruptry protections for transaction is rccessed to c.(the ode m(Monthly Prime),F{Monthly LIBOR),er G i p your Account or 3)from the (treasury LIBOR)appears ft the wont of yow slatemeM Your account.tnot communication is only for ss 0,moral first calendar day ot the current billing pertotl.Atltlaioally, next to ire perio0ic rata(s),the periodic rates and Purposes.It is not an attempt to cotleq,assess or recover a d you did not pay the"New Balance"from the previous debt or claim,Do not send any payments directly to us bitting period in full,finance charges continue to accrue to corresponding ANNUAL PERCENTAGE RATES may vary without speaking with your DanKmpiry Gnome or the month) and may Increase of decrease based on ire stated Y Your unpaid balance untilthe unpaid balance is paid in indices,as found in The Wall Street Joumal,plus the BankruPtcy Court.If you want io ccmacl us about your lull.This means that you may still owe finance charges, margin previously disclosed to you.These changes will be account or your bankruptcy proceeding,please have your even d you pay the entire New Balance indicated on the effective on the Post day of your billing period each month. attomey contact us. front of your statement by the payment due dale.outdid q Assessment of Leta.Oveaimn and Returned Payment riot do so for the previous month.Unpaid finance charges Fees.Under the terms Of your customer agreement.we tBILLING RIGHTS SUMMARY Ole added to the applicable segment of your Account. (In Case of Errors or Queslims about Your Bill) c.Minimum Finance Charge,For each oiling reserve the fight to waive or not o assess any fees wlhouf 9 g patio 1u Prior ame"Sim a you at a lawgiving our right to assess a You tarok your bill rs wrongs n you need more information as sC On I your account is subject toefinence charge.aminimum the same orsimlarfees eta later time atransactor or bill,white to us on aseparate sheet as soon as total FINANCE CHARGE of 50.50 will be imposed. S.Membership Fee and Renewing Your Account.If a possible 81 the address for inquiries shown on the front of this d.Temporary Reduction In Finance Charges.We reserve membership fee appears on This statement,we win credit the statemenl.We must hear from you no later than 60 days after the right to not assess any or all finance charges Tat any tee if you request to close your account within 30 days 011he we sent you the first 6111 on which the error or problem appeared. given billing period. mating ofihis statement.You may continue to use the You can pall our Customer Relations number or notify us by 2.Average Deily Balance(Including New Purchases). account during the 30 day period before your request.If you email or weDSite.but doing so will not preserve your rights.In Finance charge is caloWated by multiplying the dally do not pay all charges owed on this account with in 90 days, Your latter.give us the following information:your name and balance of each segment of your account(e.g.,cash. account number,the dollar amount of the suspected error,a advance, IlrChase.a Col transfer.and ofd you aSmemb Getll fee Of previously after i d may lequBSl lO P pe pedal purchase) pose.any membership fee Orevious7y waived may De you believe q the error and r: f 6 you mod mo a Information.of cony i by the corresponding dairy Periodic rele(s)1hM has been reinatated to your amount. you Deliave mere is an error:or a you head more Information,a !I previously disclosed to you.At the and of each day during 6.Closing or Suspending Your Account.YOU may request description Of the item you are unsure about.You do not have to the billing period,we apply the daily periodic rate for each that your account be closed by Calling w writing our pay any amount in question while we are investigating d,but j segment of your account 10 the daily balance of earn you are s1i11 obligated to pay the parts of your DIII that are not in If segment.Then at the and of the billing ustomer Relations Department.At Ina lime of your request. g period,we atltl up we will provide you with additional details on closing your question.While we invesligale your question,we cannot report the reruns of these daily calculations o arrive at your account.This may include payment iMOrtnation.If you use You as delinquent a take any action to collect the amount you periodic finance charge for each segment.We atltl u0 the your cretlN card or charges postto your account after you ask question. ferule from earn segment tO arrive et the total peaotlic us to close your account,we can keep your amount open or finance charge for your account.To get the daily balance for t Special Rumfor Credit Card Purchases It se marl of our account.we take the D innin open ft.We may close w suspend your account and your If you have a Problem with the quality of properly or services g Y g right to obtain credit.We may do this at any time and for any y p q rd y g balance for each segment and add any new transactions that you puronasetl with a credit cant and you have teed In good and en reason.even d you are not In default.rnimr f suspension of your y periodic finance charge calculated on the previous amount can be permanent oriemporery.d your accWnt Is faith to correct the problem wlYh the merchant.you may have the day's balance for that segment.We than subtract any closed or suspended.you must stop using right not 10 pay the remaining amount due on the property or pe op g youraretln cant payments or cmdns.posted as of that day that are alloceotl services.You havalhis protection only when the purohase price i and account,You must also cancel all preauthoze0 billing to loaf segment.This gives us the separate daily Dalance for analigaments 10 the accora.We will not do this for you.If `vas owe than F50.00 and the purchase was made in your each segment of your account.However,d you paid the we close of rmaneMl sus pond home stale or within 100 miles of your mailing address.(11 we pa y po your account,you must New Balance shown on your previous statement in fu l(or ft also destroy all credit Canis and amount amass checks.You own or operate the merchant.or it we mailed you the i your new balance was zero or a credit amount).new mot still advertisement fa the properly or services.all Durohases are irensactions.which post to your purchlase or special PaY 811 amounts you vwe us on ire ecmuM.even a covered regardless of amount or 10081101 of purchase.Please They were charged after your acounl is closed m ) purchase segments ere Trot added by a daily balances.y suspended. remember to sign all ccrtesDOrttlence. calculate the everege daily balance by adding WI the dairy- 7,Mating Payments.Payments you mail to us will be credited balances fogethet and dividing the sum oy the number of to your amount as of the business day we receive ft. t Dori n0tsppty M business accounts the days in the current billing cycle.To calculate your total Provided 1 Tlnonce charge,mulipry your avers a daily balance D ire O you send the bottom portion or this statement Capital e supports 9 g Y pports information privacy protection:see our deity periodic rata and by the number of days in the billing and your check In the enclosed lematance envelope a^tl 12) ,,,On,9 www acittalone.mom your Payment is received in our proessing center by 3pm ET ante ohargaressessmenl them basis y Da a variance minimum (12 non PT).Please allow at least five(5)business days for Financial l Corporat�ioaaAll fights reservetll q 2008 Cepilepl One e between this calculation and the amount of finance charge pos181 delivery.r in a Payments received by us re any other 9 location w in any other form may rid De cradled as of the equally assessed. day we receive them.Our business days are Monday through S81urtlay,excluding holidays. _ --? _4B _S 01OM6056.1•03/26/08 Changing Address? Not quite ready to make payments online? Address..............................._.......................................................... No problem. Follow these simple steps to make sure .............................................................._....................... we process your payments smoothly: Home Phone............................ Q Don't staple or paper clip your check to the payment slip- Alternate Phone........................... •Be sure to use the payment envelope that came with your ................................................................ E-mail statement.Using a different envelope could delay processing. Address........................................................................................... • Please don't include any additional correspondence. • Please print address or phone number changes above using blue or black Ink Last but not least,be sure to write your 16-digit account number on your check. 500016 0�1-�MST—`4,111 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 Ca p�ta �E�NOER FDIC what's in your wallet? FINANCE Previous Balance Payments&Credits CHARGE. Transactions New Balance Minimum Payment Due Date =$732.18 —( $122.00 + $12.82_ + $29.00 =$652.00 $22_00 I Jun.26,2009 May.02,2009 —Jun.01,2009 Page 1 Of 1 --' ----'-' ^� PLEASE PAY AT 16M THIS AMOUNT MasterCard Platinum Account 1 520 Payments,Credits&Adjustments 1 11 MAY CAPITAL ONE ONLINE PYMT AuthDate 09-M AY $122.00 Your Account Information Transactions TOTAL CREDIT LINE $500.00 2 01 JUN OVERLIMIT FEE JUN 01,2009 $29.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges(Please see reverse for important information) Your account has gone over its credit limit.To avoid additional overlimit fees,you should pay more than the Minimum Payment.Please pay enough to bring your account balance below your credit limit Balance rate Periodic .Corresponding FINANCE immediately,and make sure your account balance remains below your credit limit.Please be sure the applied to rate APR CHARGE amount you pay accounts for any future purchases,fees,and finance charges. Purchases $652.02 0.06342%0 23.15% $12.62 Cash $0.00 0.06342%0 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23.15% O Al!h At Your Service-Go to w—cacitabne.com to menage your account, or Cal:1-800-9034637 to report a bst or stolen card or speak 10 Customer Relallons ® Pay Online at www.cwlabne.com or malyour payment to: OryAal One Bank(USA),NA.•P.O.Box 71083•Charlotte,HC 28272-1083 ASend Inquiries to: Capital One-P.O.Box 30285•Sale Lake city,UT 84130-0285 ® 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. - 520 Account Number: 520 Lend a hand. Save the land. Due Date New Balance Minimum Paymen moun nclosed Manage your account online today- --, -� Jun.26,2009 $652..00' it's fast,easy and secure. —�` _.�%�.� _J ia Pay online anytime—no more checks,stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT Change your address online or on the back. Q Moving?9• 9 ®Help save the planet—Go paperless. #9015349289903176# - ®Sign upatwvaw.capitalone.com. NICOLE L NICKELLS 771 HAMILTON CT - Capital One Bank (USA), N.A. CARLISLE, PA 17013=1519 P.O. Box 71083 I'III"1'1111'1'1"1111'Ill'IIIIIIIIIII'I'Illllllrlllllllrl'Illl' Charlotte, NC 28272-1083 ulllll'III"n111'h'1111111"IInIr'll'I'lll'll"IIIII111'INI Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car,or refinance the one you already have, Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Braces,laser eye surgery,and more—we can bring medical costs into focus! Visit capitalone.com to learn more! Products and services offered by the capital One family of companies,including Capital One Bank(USA),N.A.and Capital One,NA.,members FDIC. Capital One is an Equal Having Lcoder 0–VW Capday On'.Cc iwf 0-u mark.All r bs,rurrurd oat at 1.Now to Avoid a Finance Charge. 3,Annual Pefantage Rates(APR). a.G,mo Period.You will have a minimum grace Poi od of s.Tne fens"Annual ParceMage Rate"may appeer as"APR' 6.Notice About Electronic Check Conversion. 25 days without finance charge on now Purchases,new on the from of Ads stafement Whon you provide a check as payment.You authorize us balance eam"m new special purchases and new b.it the code P(Ouanany Prime).L(Comedy U80R),C shtar to use information from your oback to make a onaana dhorehatges a you pay your total'Now 8stanoe".In Duane rS lBankcerd Prim)a olechorn fund transfer from your deposit account a to ( M CO). ) ppears on Rte from below.o.and with of Impo be Nalco bit Payments process the payment check a neckalls an oxil Wham Wd use d this stal8menl next to to parbtlia mte(s),Iha Perlptli0 below,entl in time to It to De aedaed by yew payment rates and mrmspondIng ANNUAL PERCENTAGE RATES it lw.fn from your whw o make an o rchenic fund due dale.There Is no grace period on cash advances may vary quartady and may increase or decrease based transfer.tuMS may as withdrawn from your depose 8ccoum and$pedal Imnslom.to addition,them Is no grace as soon as the same day wo receive your payment,and you a nre stated inches.as found lo The Wag Sired JouMai. " periodou any transaction If you do rid pay the total plus the margin previously disclosed toyou.These oust not necdva yew checKDac%from youitira,cini "New Botarae' changes will be effective on the first day d your biding Imllution.Yom authorization is ncl limited by the dole on to b.Accruing Finance Charge.Tmnsac7ions which era not period covered by your parodic statement ending in the crack.We may resubmit and eleelronicaty collect returned sublet to a grace ported are assossed finance charge 1) rtonths of January.April,July and October. payments. iron me tlate d irie trMSDdfan a 2}trom fie date tae 9.eankmptcy,r you ass emhted to bankruptcy protections for a.n the colts 0 lMoMny Prima},F(atwany llBOR},or G transaction is to yew Account of 3}iramihe , (treasu U80R a yew account lots communication twnls only assessofmomai 01st aNmd8n day f the wdent billing ry ) PPears on marmot dyournd ant Y rig Period.Adtlhbnely haat b me periodic rate(s).Ina periodic Mm erw purpose.h n col an attempt to eoaed,assessor recover e a you did nd Pay the"Now Balanos"lrom the previous oorresponding ANNUAL PERCENTAGE RATES may vary dent a claim.Do,hd sent any payments directly b us mUeg Period n 11.11,(1--charges continua to accrue to mpnmy and may Increase w escrease based as the stated withoul speaking we your bankruptcy attorney ar the your unpaid balance,u0thtae unpaid balance Is paid in Indite,as found in The Wag Street Joumat pies the Bankruptcy Coud.It you want to oomad as above your fug.This means that you may still owe Snares,charges, margin previously dlsctosad to you.These cnanges win be account or your bank uotcy procoedmg,pt�e have your even If you pay the entire New Balance Ind lornod pit the enealNe on the first tlay of your billing period each month. attorney colect us. from of your statement by the payment due dale.Dui did q,Assessment d Late.Ovariima and Returned Payment not do so for The previous month.Unpaid finance charges Fees.Underlbetarmsdivuroustomaf agreemerrt,w8 t81LUNG1 Emma rOunli SUMMARY are added to the applicable segment d your Account, reserve is right ro wake or nit#tti assess arty fees without fn Case of£crone a 0veslkons about Your Baq p.Minimum Finance Charge.For each billing period that prior nrottftcation to you without waiving our right to assess if you think your bill is wmng.of a you Head more WormMlon pit your account Is subject to a finance charge,a minimum the same o similar fees at a later time, a Trensaction er MII.ware to us en a separate sheet as soon as total FINANCE CHARGE of fA.60 will be imposed. possible at the address for inquiries sham on the from of this S.Memberehlp Foe end Renewing Your AcmuM.If a d.Temporary Reduction in France Charges.We rescue membership fee appears oo this statemeaL we wfli cmdii the statenam.We mull near from you no later than 80 days amen Rte right to not assess any or an inance changes for any fee gym request e.dose yow amoum waMn 3o days d tits we sent You The first DIg on which the enof o problem appealed. given titling period. rrtaaing of tots statement.You maY continuo to use[its You can coal our Customer Relations number or no iy us by 2.Average Dolly Balance(Including Now Purchases). Small a websfl8,but doing as will not preserve your rights.In account during the a0 dory period before your equew,tryou Finance charge Is calculated by muglpying the dairy do opt pay all charges owed on this account with In 90 days, your letter,five 1.6 tae fdlowing inlamahpn:your name and balance d each 5g—Td of you,account(e.g..cash or gym use youroredn card w=mM after you request to mo0wrl.—bar,the delta,amount d the suspected-w.s mvaras,pwdese,special transfer,and special Purchase) close,any membership fee previaesty waived may be dasaiption d the war and an wolanaliol,a possible.of why by the certespon(irg doily periodic totals)that has loan millet tied to your accoum. You bwarve loom Is an error:or h you reed mars information,e previmsy disclosed m you.Al Ire end of each dsy during S.Closing or Suspending Your Account,You may request description of the hem you ore unsure about.You do nes have to the bitting pedod,we apply the dairy periodic rata for each that your mcoum be closed by aging d writing our pay amt amount In question while we are imesligati g a,but segment d your we to the dolly balance deal* ou ere sole obligalad to pay the pads d your MII that am not in s meat.Than at the and of the billing we Customer Relations Oep oddion Al At eta Rare d your request. uestion.While wo Investigate our ueston,we,aruot m eg g Period.at ado 1.P we o n pmrwa you with atlditlaai details an closing your q g X q Pod the results d mesa dairy atwtaliorrs to adve ffi yew acmuM.This Xorr as dettrlquam a take any wagon�aoaod me amount you owl.dic finance cherga for each segment.We add up the may ncwda paYmto your ahaan.nYou use question. results from each segment to enke al the total periodic your cant scentuntwo cm our account coo ask finance dirge for your eecprmt To get the daffy balance for us to cniet your account we an keep youramount open or t Special Rule fa Credit Card Purchases each segment d your account we take the begnni reopen a.We may close or suspend your account and your It you have a problem with the quaiy d properly a services balance to each sit molt and age a new von ac oos d9hl to obtain cre6o.We may do this at any time and for arty that you puwhased with a credit card and you have tried n good and any g any moson,even If you are not to default.A suspension of your 184h to coned ma problem with toe Marchand.you may havothe y periodic finance charge tabulated on the Previous acceuM an be permanent or temporary,d your account le days balance fo that segment.We than subtract any dosed o'suspended,you must stop using yow ereah aro rlgM rid to pay the remaining smoum due on the property or when the puic base price IQ that gmentdThis gives us as of that the lost am allocated @Ad balance or exeunt.You mast also carnet ag preauthaized billing ,mss zees/hen E5o-100 end The pwcna"se was rtade n your each segment d your account.However.a You paw the aoangse,of p a the account,en wig not do this for You.it hones state w within 100 Mass d yaw malln address. we ws dose or 231 a dh ca suspend your axoum.you rrurst g New Balance shown pit your previous slMartam In toll to a also destroy ail bed%ems and account amass checks.You °Wit a operate l me merchant.o a we malted you the your new Glance was zero or a croon amount),new must still pay on amounts you owe us on the account,even a ativeriisemenl for ma progeny a location.ell purchases ors temactions,wnbhposlloyawpurchasowspeclal mtpwena chargedafleryourocceuntiscoweda paveretl,e9mtlass of amount aloeation of purchase.)Please Purchase segments are not added to to dally stances.We suspended remember to sigo all correspondence. mt.rate fns avetaga daily balance by adding MI the daily 7,Making Payments.Payments you mail to us will be credited balances together and dividing the sum by the number d a your account a of business day we receive a. T Dees runt apply a Dwfrass amounts It*days In the current baling cycle.To calculate yo„Joist provided(1)you sand the aflom portion d this statement Cdpdei One finance charge.mufliply your average dairy balance Mthe and your Check in the encased mmiltance envelope and(2) weaal at supports Information privacy Protection:sae our daily Periodic rate aw!by Ire number of days n the haling your Payment Is received n our prmessng aMar by 3pm ET fiinnaan a dnargarassessmant dolly ere may be a variance (12(12 noon PT).Please allow at least Rea(5)bushown days far Financial C Pwation.AN ghts reserved. 2008 CopaetOrm e postal delivery.Payments received by us at any other bdween this alculatirnt and the artcuM of inane charge location or in aor other form may not be cmdaed as of the .dually weaned. day we mcoNa them.Our business days am Monday through Saturday.onlydi holidays, 01OMS056.1.0326+ Changing Address? Not quite ready to make payments online? Address......................... ........................................................... No problem.Follow these simple steps to make sure ...................._,........................................... we process your payments smoothly: Home Phone,,,,,,,,,,,,,,,,,,,„, a Don't staple or paper clip your check to the payment slip. ..................................................................... Alternate Phone„.................... a Ile sure to use the payment envelope that came with your E-mail statement.Using a different envelope could delay processing, Address.................„„....................„............................„.............. � a Please don't include any additional correspondence. •Last but not least,be'sure to write your 16-digit account Please print address or phone number changes above using blue or black ink number on your check. Capital SO0008 what's 311 your wallet? It could happen to anyone. Make sure you pay the amount NICOLE L NICKELLS due on your statement as soon as possible.' WHOO IS1 Keeping your credit in good standing can ■ do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES Ii BETTER INTEREST RATES byl payment (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS(when you want to buy a home or new car) m 2009 Capital One.Capital Onr it a fedemLly regmard sn ire.m4rk.All rigbaa remmed. FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date $652.00 $12.67 + $68.00 = $732.67 D $84.00 Jul.27,2009 Jun.02,2009 —Jul.01,2009 Page 1 of 1 PLEASE PAY AT LEAST WS AMOUNT MasterCard Platinum Account You're behind 520 by one payment.Remember that Ming the minimum payment by the due date keeps your accounl current.So make sure you send in the minimum payment to keep your socount currenl. Your Account Information TOTAL CREDIT LINE $500.00 Payments,Credits&Adjustments TOTAL AVAILABLE CREDIT $0.00 Tmnsactions CREDIT LINE FOR CASH $500.00 1 26 JUN PAST DUE FEE 539.00 AVAILABLE CREDIT FOR CASH $0.00 2 Ot JUL OVERLI MIT FEE JUL O),2009 529.00 Finance Charges(Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Under terms previously disclosed to you,some or all of your Annual Percentage Rates(APRs)have been Purchases 5665.84 0.063424'.D 23.15% $12.67 increased since your account was past due twice in the past 12 billing cycles.If your rates have already Cash 50.00 0.06342%0 23.15% 10.00 increased,subsequent delinquencies extended the duration of the increased rates.Remember:If we ANNUAL PERCENTAGE RATE applied this period: 23.15% receive your minimum manthly payment on time for 12 consecutive billing cycles,this account will be reviewed for a possible return to your Non-Introductory APR. Q At Your�Service-G710 wwa.caoretnemm to menage your ecmura, Your account has gone Over its credit limit.To avoid additional ovedimit fees,you should pay more than report a bst or stolen cad or speak to Customer the Minimum Payment.Please pay enough to bring your account balance below your credit limit Reblons immediately,and make sure your account balance remains below your credit limit.Please be sure the Pay Online at www.cmilabne.com ar mailyour payment to: amount you pay accounts for any future purchases,fees,and finance charges. Caphel One Banta(USA),NA.•P.O.Sm 71083•Charlotte•NC You were assessed a past due fee because our minimum payment was not received the due date.To 28272-1083 P Y PaY by avoid this fee in the future,we recommend that you allow at least 7 business days for your minimum ASend Inquiries to: payment to reach Capital One. Capital One-P.O.Bm 30285•Sal Lake Oty UT 8,4100235 ® 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.camitalone.conddisoutes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TOwWwCAPITALONE.00 M TO MAKE YOUR PAYMENT 0NUNE. 520 Account Number. 6520 Lend a hand. Save the land. Due Date New Balance Minimum P losed Manage your account online today— Jul.27,2009 $732.67 $84,00. it's fast,easy and secure. 0 Pay online anytime—nib more checks,stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT Change your address online or on the back ©Moving?9 ®Help save the planet—Go paperless. #9018349289903173# ®Sign up at www.capitatone.com. NICOLE L NICKELLS 771 HAMILTON CT Capital One Bank .(USA), N•A- 'CARLISLE, PA 37023-1519 P.O. Box 71083 — II'I'111111111,11111'1'1'111111"II1I"1111'1111I1'IIIIII'III'I11 Charlotte, NC 26272-2083 uIIIII-I1h 11111'1 x1111111 -III 11"II'1-1Ih11"Illdld'hll Please make checks payable to Capital One Bank(USA),N.A.and mall with this coupon In the enclosed envelope. �I 1.H 01 pw fo Avoid a Finance Charge, °.Gras°Period.You welt have a hummum grece pedep of 3-ArrnUai Perwmage Rates(APR). 25 drays wdaoN finance charge on now pwoftwoo paw e.The term`Annual PgrceMege Rate'may appearm APR` 8.Ndloa About Oeotronk Check Conver�ton. balance nasies,new sPeaa purchases antl new on rho front of iTts statement Whon You prwiQe a ch¢d es payment,you aNi tte us `,her cherg°s Q you Pay yourtatatNew Saanw',in b.it the code P{quadety Prima).L g0uartedy L[BOR}.C edhd to use M1amMbn tram your check beta eretnt¢ pomrtlento wnh tho tmppnaM Ndiw tat payments fown¢ry CO).or 5(So Open Prime)appears on the front eiacironk fund trensfer from your`,epos`,awour to Mo..and in it.fa d b og atoddetl by Your payment Of m{s Statem¢M next to the pettadta(a at the Pedodi¢ Prows the Payment as a cn°ok fmn posit so W 10 use rive dare.That is ran grace per{pp an cash ativancas rotas and corresponding ANNUAL PERCENTAGE RATES Information from your'back 10 ma%a an electrourl and spa`,alfr ensfets.to addition,chore is no gmw ��h`gU°rtBaYend may inoreese arde'masab°s¢d hamster,funds may Oa withomwn rrom your`,epos`,euroouM De totl an any transaction d you tlo nd paY the fad on the sla eel indkea,as found to TTe Wap Si eel Jouma, as soon as the same pay we receive your payment.and you "New Balance.` Plus the margin previously dtsciosad to you.TTese will not roc.No your hack back from your financial b.Aocmrtrg finance tfitarge,Tmnsedions which ere riot changes 1°'il loo dfed{va on iha finy day d}roar ts7ting insidUi{am.Your aumodzaripn not iimdotl by the tlde on the subject to s grace period am nsessetl financa caarge f) pew covered by your Penotllc ahtameM ending In the chock,We may resuDmd and eladronkalry a`,!act resumed from iria rime d the pdisadan a 2)iron me Gale the me'"n,`,January,Apnt,Jury era Ocfaber. Payments, nersal is pr�We to your Account or 3}hom ma a.tt me code D{MOnmy Pame),F{MOnihy U$OR},ar G 9.sankNPtCy.If you am entitled to 'y prefect Prdedland for first Cal is day of wfrpM billing period.Atltlabnaly, tTreasuryU$oRy appeem on the from dyourdaemeM your�aount this aommunldenonbmryfat lMmmetlwal ayw tlW not Pay ihe'New Satanw'trom ins prevyus rrok to the periodic rata{s),the PerioQic rates and Purposes.d ta rid an anempt to totted,assessor recover o biling period In lull,finance charges continue to accrue to cc�Ph^ding ANNUAL PERCENTAGE RATES may very debt or`,afro.Do nc1 sore any Payments directly to eo Your unpaid batanw ud)Iihe unpaid balance is poid to mp^tnfy and may increase or dacne bashe an lha sfdep wdnoui spas%ing wdh your bankruptcy dtomey at the lull.This morns trim You may eltlt awe fmarKg charges, IrMiws,as found In The We Street Journal.Plus itro Bon WUPloy Coud,ti you want to dented us about your oven d you In the erdlra New Balance Intllcetatl on 1ho margin Prenfousty disclosed toy Th¢sa changes wni by aCCOUM or your bankruptcy prowedmg,pt0asa haw your nod orpaur stdameM by the Paymain Qua dais.all Cttl dlectwe an the l drily of your billing period earn month, ^tbrnsY contact us, not tlo so for the p,e IoUt month.Unpeitl finance charges 4.Asses. of Late,DvenimH and Returned,Peymam are added to the applicable segment d your Account. Fees.Linear the ferrrrs d yqurcusiomer a9reaI pa,we t$iLLItdG RIGHTS SUMMARY o.Minimum Flnanw charge.For¢rich M!Ilng period gnat °^r°ih°right b waive or not to assess any tees wphout (M Cese of Errors at Ovestions abort Your enp Your account is subject to a finence change,eminimum txiorndit'kafron to yav without waiving curright to essays n YOU think your alit is wrong,or d you wed mats Information on biaf FlNANC£CHARGE of E0.50 111 ba Imposed, the same or slmthr toes at a tatar i{me, a transaction a bill,wttta to us on a saparate shed as soon as d.Tempgmry Reduction In Flnonw Chorgas,We reserte 5.MembemMp Foe and Renewing Your Account.]to Posable d the address for inquires shown an ma iroM`,leis the'efgrif fa rid assess arty or all InSom allerges far any mambelahip tea appears err this statame d,we mom emdd tT¢ statement.Wa must near from you rq Inter then a0 days aner "'m-ding Period, tae d you inquest W'loco your account within 30 days of the MB sent you the fist bill on which the ertor a adlam a 2.Avenge Deny eamnw(Incbtlinp New Purehetos), mall mig of this atMenronl You may cordinuo to use ilia Yatr can tail our customer Relations number or nddy aM=d. Finance charge b '-..too by mulOpytng the dedy °Cc"M during the 30 Qay period adore your mgwst,nyou small a webide.ON tldng so w70 not prMatve Your rtgMS.In by Daiance or each segmgd d pour Woount(e.g.,cash d°°el paY all charges owed on this eCCWnI with In 90 days. Your iettaf.gNe us the following IMOrmahon:your name and aovarrca,putwaS&spapist I---t.and special UrGflaee Ordyap use yaurd¢dtl�nf atatCOtrM eder you fequoat to ewpuM numaes.fhadonar emounfdfiesus by the oatre:%Ing pally pamodlc rd P ) close,any membershlD fee Plevbus waWed ma be desatplian d the arot end an explanation,e d 11.10`,.o r.teen previously disclosed b you,Al the ant pf eaCb daay during mfnstatad to your a'wum. y y YOU ael78v8 there is ah srrot;or d plan hood more iblo.or why a the billing period,held the daily periodic rata toreach B.Closing or Suspending Yaut Account.You may mgwst description d me dam yw are unsure about.You do rid nave lo segment of Ywr account to1hedallybalanw l.aah ihM youracCOUM be civsetl by CPlling awr(ting our paY arty amormfin ovesibn wMie we are Imesoude ft.Otr1 sagrrrerd.Their at ins antl of the riding Pdiati,wo add up Cusksnrer RdatMns OePartmeM.At iTe time of yqur ragtresi you are s!{0 aW(gated to paY lire parts d your std that rho rid in the msuds d mesa Qafy wlculdiors roamve d your we w71 Provide You wdh add'dionel delalis 0n closing your nueatroo,WMie we imesligele your question,wo cannot report Partook finance chat for each segment.We°rip up the acwurn.This may irrotuQa payment information,ff you us¢ you as del fnquent or take any action to coifed me amount you mauhs from soon wgmeM to Saws M me Icut per bdk Yearned'`,card orcheges post to your account eel roe' ask question. tina1=11agefo ryouraccounLTogdihedalybd°nc°for uatocfose YOU`euoouni.we con keep YoUramo�MopOm or each segmremt d Your awaum,coo Miss the beginning rSaPen d.We may close orsusPenQ youraccount amp your t Special RWeta Credit Carp Purchases balonw fat ep'h segment and add any naw transactions right to obtain credit,We may do this at any rim°and for arty if you rive°prodam with the queldy d proDeny or aewiws and any pedadtc nrmnw aharga oabutatetl on tae prevlous mason,even a you era nd lo`,atonic A suspension m your that you Purof a wlfh a erect`,carp end you gave irletl in goad days balance for that segment.We;hen subtractonly adcourd ban bepermanent of temporary.Q your account is that to monad ma Probfem With the rmrchard you payments or IXedde posted as aithat day that are allocated ciasad W.Usp0^�You must step using your tract`,mom right rid to pay line remaining errpuM duo on me moY heva Ina to that segment This gives us hie se rare and adoouM.You must oho carved s0 Preaulnanzed WOtng services.You haw 1tn6 pmtadio, he,whan line pittance price aeon segment d your account.How¢vaat,n y yta o e far smangements to the account,we wnl not pis t o top ou.n was mate mnn E50,00 antl the y party or Nave BahnCa shown att our we dose an parmanemry ausPend y home state or vrdhtn t W moss d rohasa was mad°in out wee Y Pmvtaus sfafemsM in ran(or Q aso asst _ your account,yrou mast Yaur waning address.(n ors you,farsadionsbalance hk post» oua cretld amatm%now Pay an amwrd Mxsou owe on mo aaCOC M eve 8 awn ar operate tiro me n ors rneas'aityurchases era Y purchesaat epeClal must spot Y ativantsamanita the y pumme.Segments am trot added 2ottee tlaiy batamats.We trey-am charged after your account to closed or accent`,re9ardfess of amount at bCMbri of p calculate the average pay balance suspended, remember to sign alt eanaspargence, Wrohese.}Please bare mdas 1 OY adding an me tlaiy T,Muklrrg p°Ymema,Payments you mac{to us wta be ctedded the days In Iha'anent Mih{ t s ma m+mbet d b your a° -os d ih°iwsines°tle wa mca{w d, t DOW not e lamrse to ^9 oyale.7o caoulMa ce by Y PPry ro owfiesa exauds age.mudipy your average daily balance ay the pmNOOd{i)you semi the badom Poll d rob sfaaemam dally penotlb rare arnf by the number.,days in the blaing °^d Yaur check in the enclosed mmatIon OrMwiope and g) Cap0si one supports lMatmMlon hra Parted.Due to founding on A daffy bnsB or due to minimum SrourpaYpr°M is retched in our websde at www.wpdalme cent P �Pro2stsion_see our f{nfln'e charge assessment,mere p^'x°°fng confer by 3pm ET Cppda One ta a fadaml may ag a variance it2 noon Pt).Please at{owa2 feast fore{8}austhese days tat 7 regulated servtde mark d Capita one bdween this wtculaiipn and the amount of finance charge Postel`,INary.Yeyments rewivetl by us d enY Omar Ptnenctai corpmarido All`,gists reservep.O 2008 Cepdal Orre actually assessed. {ocd{on W in an omerform rimy not be credited as of the day wa tecaNe the m.h Our business days are Monday through Sd ,esetWi oiki a. - OiDM8058.1•03/28/08 Changing Address? Address. Not quite ready to make payments online? ............................_......„,............. ... No problem.Fallow these simple steps to make sure .......... we process your payments smoothly: Nome Phone................... • Don't sta )e or paper di P P p p your check to the payment slip. Alternate Phone.........„.................................... •Be sure to use the a .................................„.....,... � Payment envelope that came with your E-mail statement.Using a different envelope could`,eta Address...................„..... , y processing. ...........„ ...•_•.. • Please don't include any additional correspondence. Please print address or phone number changes above using blue or black ink •last but not least,be sure to write your 16-digit account number on your check. Stay on top of your account with 6=12 Capital One Online Banking. 71t save trees With Online Banking you can: ng up for paperless /Check your balance and monitor transactions online 24/7—you can nts—there is always even sort or group them months of statement /Schedule a payment when it works for you—in advance or on the vailable that you can day it's due t any time. ►Set up customizable account alerts so you know immediately when ust to certain transactions post and more... � gin to your and click the Customer service tab. Enroll today at www.capitalone.com Cawta- FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date $732.67 — $280.00 + $10:72 + $0.00 = $463.39 $18.00 Aug.26,2009 Jul.02,2009 —Aug.01,2009 Page 1 of 1 PLEASE PAT AT IE/ST 005 AMOUNT Mastercard Platinum Account Payments.Credits&Adlustments 520 1 10 JUL CAPITAL ONE ONLINE PYMT AuthOats 09-J UL S250.00- Your Account Information 2 25 JUL CAPITAL ONE ONLINE PYMT AuthDate 25-J UL S30.00- TOTAL CREDIT LINE $500.00 TOTAL AVAILABLE CREDIT $36.61' CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $36.61 Finance Charges(Please see reverse for important information) Balancerale Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $545.14 0.06342%D 23.1511. $10.72 Cash $0.00 0.06342%D 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23.15% O At Your Service-Gotovmw.cedtabnemm to manage your acouM• or Cal:1-800.9033637 to report a bsi or stolen card or speak to Custorrer Relations Pay Online at www.cmilebne.mm a mat your payment to: Ca0al One Bark(USA).NA•P.O.Boa 71083•Chertxte.NC M72-1083 ASend Inquiries to: Capital One*P.O.Bmc 30285•Sal Lake Oty UT 8.4100285 ® Have a question about a charge on your statement? Please refer Ie the Billing Rights Summary on the back of your stalem ent of visit www.caoitabne.com/disoules PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITAL6NE.COM TO MAKE YOUR PAYMENT ONLINE. Q� 520 Account Number. 6520 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today— Aug.26,2009 $463.39 $18.00 it's fast,easy and secure. 0 Pay online anytime—no more checks,stamps or cutter. PLEASE PAY AT LEAST THISAMOUNT Q Moving?Change your address online or on the back. ®Help save the planet—Go paperless. #90214,49289903176# ®Sign upatw .capitalone.com. NICOLE L NICKELLS 771 HAMILTON CT Capital One Bank (USA), N•A- CARLISLE, PA 17013-1519 P•o- Box 730 "'I'I'I'11111'11'Illl'1illll"11111111'Il"11111"I111111'Illlll Charlotte, Na C 28272-1063 ulllll'111in111'h'IIIPII"IIn1r'll'lilll'll"IIIIIIII'Inl Please make checks payable to Capital One Bank(USA),N.A.and mall with this coupon in the enclosed envelope. Join the millions of customers that are switching to paperless statements. ►You get up to 13 months of PDF statements online that you can view,save to your computer or print (if you need to) ► It's still the same statement online (you can use it just like your mailed statement) ►You'll receive an email message as soon as your statement posts to remind you to go online and pay your bill Log in to your account at www.capitalone.com, go to the Customer Service tab and sign up Ca �t�,"' for paperless statements today! p /IM d92 cif 1.Haw to Avoid a Fmm� Charge. 3.Annual Percentage Rates(APR). e.Grace Period.You will have a minmum grace penal of If.Notice About Electronic hock Conversion. 25 days wed, finance charge on new purchases.new a.The lertn"Annual Percentage Rata"may appear as"APR" When you provide a check as payment.you authorize us on the from ofthis statement. balance transfers,new special on and new either to use Information from your check to mete a one-time b.If the code P(DuarteAy Prime),L Prime)appears arson),C What charges gyou pay yourtotal"New Balance".In lectronic fund transfer from your deposgemouM Or to (OUaAsta CO).m t na t to the rd Prime)appears on the front accordance with the 7mpoAem Nonice Tor payments process the payment as a Check transaction,Wban we use below.and in time fa it to be oretliletl by your d this statement next to the periodic rete(a).the periodic payment rates and corresponding ANNUAL PERCENTAGE RATES information from your check to make an electronic land due date.There Is no grace period en cash advances may very quartarty and may increase or decrease Dried to star.funds may be withdrawn from you tleposd account and special transfers.In addition.there is no grace on the staled indices,as found In The Wall Street Joumal, wit soon as the same day we receive your Payment,and you E period on any transaction A you do not pay the tonal pus the margin previously disclosed to you.These will non receive your check back from your financial i) "New Balance." inslduticn.Your authorization is not limited bylhe dale on the changes will be enee ive on the first day of yourbilling D.Accruing Finance Charge.Trensadions which ere rid periodic overed by your paAodlc statement ending In the check We may resubmit and electronically collect returned subleet to a grace period are assessed finance charge l) months d wed b payments. January.April.July and October. from the data of the uansactton or 2)Trom the date the c.d the code D 9.Bankruptcy.11you ere entdletl to bankruptcy protections for transaction is processed to (Monthly Prime).F(Monthly LIBOR),or G your Account or 3)from the reasu LIBOR a your account.this cemmunicatlon is only lot informational first colander tlo d the current billing (T ry 7 appears on the i of rates emeM Y 9 pedal.ptevio sally, next 10 the periodic mte(s).the periodic rates and Purposes.It is not et attempt to coiled.payments assessor recover a tt you did rid pay the"New Baance°from the previous .-.pending ANNUAL PERCENTAGE RATES may very debt or claim.coo rid send any payments tlireonly to us billing period in Tull,finance charges continue to accrue to monthly and may increase or decrease Desetl on the stated wgbatn speaking wgh your bankrupt anomey a the your unpaid balance unit the unpaid balance is paid In indices.as found in The Wag Street Journal.plus the Sonfaupcy Court.If you want to corned vs about your tall,This means that you may still owe finance charges, account a your bankruptcy Proceeding.Dlease bave your even I you pay the wilue New..I.e.Indicated on the. margin Previously disclosed to you.These changes will h. attorney contact us. effective on the first day m your d Re urned each month. fret or your at 0 pr e i by the payment due dale,but rile q Assessment of Late,Overiimn end Returned Payment not do so for the previous month.Unpaid your charges Fees.Under the terms or your customer agreement.we In Case G RIGHTS SUMMARY are atltled loathe Charge. oTyour Account. (In Case of ErrorsaOuaslions about Your Bill) c.Minimum Finance Char e.For each billing reserve the right b waive or to assess any fees wither g g period that poor notaicetion to you without waiving our right to assess a you taint your bill is wrong,or n you need mite information n on your account is suDiect to a finance charge,a minimum the same w simflarfees at a Wartime. a transaction or DIII,write to us on a separate shoat as soon as total FINANCE CHARGE of¢0.50 will De Imposed. - possible at the address for inquiries shown on thefrot dthis d.Temporary .MemDerahlp Fee and Renewing Your Account.Ha mparary Reductlan In Finance Charges.We reserve membership(ee appears on this statement.we will wood the statement.We must wear from you no later then 80 days oiler the ngm 10 non assess any or all finance charges for any lee a you request to close your account within 30 days ofthe we Sent you the first bill on which the error or Problem appeared. gNen billing period. mailing of this statement.You may continue to use the You can call our Customer Relations number or notify us by 2.Average Delly Balence(Including New Purchases). account during the h day period before your request.If you small of website.but doing so will not preserve your rights.In Finance charge is calculated by multiplying the dally do rrot pay ell charges owed on this account with in 90 days, your letter.give us the fo lowing information:your name and balance of each segment d your account(e.g.,case or d you use your Wood as oremount aner you request 10 accoum number.the delta,wnwml of the suspected error,e advance,purchase.special transfer,and special purchase) dose.any membership fee previously waived may be tleswlpllon ot the aria end an explanation.If possible.of why by the corresponding daily periodic rates)that has been reinstated to your amount. you believe there is an error:or dyou need more information,a Previously disclosed to you.At the and of each day during 6.Closing or Suspending Your Account.You may request deswiption of the item you are unsure about.You do non have to the billing penod.we apply the daily periodic rate for each that your account be closed by calling or writing our pay any amount in question whtle we are investigating 11.but segment dyour account to the dally balance of each you are still obligated to pay the pads of your bill that are not in Customer Relations Department.At the time of your request. segment.Then at the end of the billing period,we atltl up we wit pnwitle you with additional details on dosing your question.While we investigate your question,we cannot report The results of these tlaiy calculations to arrive at your you as tle'inquem w take any action to tolled the amount you account.This may include payment information.If you use penotlic finance charge for each segment.We atltl u,the question. reruns from 9ad1 segment to arrive at the Total per to Yourcretlit call or charges post to your account edteryau ask us to close your account.we can keep your amount open or finance charge for your account.To get the daily balance for reopen N.We may cbse of your account and your t Special Rule fa Creed Card Purchases each segment d your account,we take the beginning If yon have a problem with the quaint,ot property or services balance for each segment and atltl any new transactions right to obtain cedA.We may tlo refs et any time and for any that you purchased with a credit card and you nave tiled In good and any reason.even If you are not in default.A suspension of your y penotlic finance chit ge calculated on the previous account can be permanent ortempotary.If your account Is faith to coned the problem with the merchant.yo,may have the day's balance for Iht segment.We than subtract any right rid to Prey the remaining amour due on the Property or It closed a suspended.you must slap using your wood card payments m credits pasted as of that tley that are allocated services.You have this protection only when the purchase price and amount.You must also cancel all of do Ih Is for billing to that segment This glues ill the separate daily balance for we ...or to the amount.We will rid tlo this for you.If was more than$50.00 and tae purchase was made in your each segment d your account.However.a you paid tae hone stale or thin 100 miles of your mailing address.(IT we we dose or permanently suspend your account,you must New Balance shown on your previous statement in full(or d also destroy all wedg cams and amount amass checks.Vou own a operate the merchant,or it we mailed you the your now balance was zero or a credo amount),new must still pay all amounts you owe us on the acoum.even g advertisement Tor the property or services,all purchases are transactions which post to your purchase or special I they were charged after your account is closed or covered regardless of amount o location of purchase.)Please purchase segments are not-d dad to the daily balances.We- suspended, remember to sign all correspondence. calculate the average daily balance by adding all the daily 7,Making Payments.Payments you malito us will be cretldad balances together and dividing the sum by the numbw" to your amount as of the business day we Melva d, t Do.not apply re business amounts the days in the current billing cycle.To calculate your tonal provided(1)you send the bottom portion of this statement nuance charge,multiply your average daily balance by the and yourcheck In the enclosed remittance envelope and 2 Plls One supports information prlverry Protection:see out a and by period.Due'torro rtl ng onha tley barsls days duetohminlmum your payment Is reoewetl In our processing cellar by 3pm ET Capnal One Its as federally registaretl service maw d Capnal One finance charge assessment.there may De a variants - Po noon aver Please ants rent least five(5)business days for Finarmiat Corporation.All rights reserved.m 2008 Capital One postal delivery.y other ens received t us re any other between this calculation and the amour Of finance charge location or In any other teen may rid be credited as of the actually assessed, day we Melva them.Our business days are Monday through Saturday,sxcludirg holidays. TC-Qa_—i OlOM6068.1-03/26108 Changing Address? Not quite ready to make payments online? Address........................................................................................... No problem.follow these simple steps to make sure ..................................................._...................._............... we process your payments smoothly: Home Phone„-,,,.- Don't staple or paper clip your check to the payment slip. •Be sure to use the payment envelope that came with our Alternate Phone..:..:......................... p Y P Y E-mail 06 statement.Using a different envelope could delay processing. Address.........................................._............................................... • Please don't include any additional correspondence. • Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black Ink. number on your check. Capital S0000e what's.in your wallet? It could happen to anyone. Make sure you pay the amount NICOLE L NICKELi_s 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 payment. , (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS(when you want to buy a home or new car) 0 2009 Capital One.Capital One is a federally registered serviee mark.All rights reserved. FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date L$463.39 — $0.00 + $9.37 +� $68.00 =$540.76 E $75.fl0 Sep.26 2009 Aug.02,2009 —Sep.01,2009 Page 1 of 1 �— --"\ PLEASE PAY AT LEAST?HIS AMOUNT MasterCard Platinum Account \`I You re behind by one payment.Remember that paying the minimum payment by the due date keeps your 520 account current.So make sure you send in the minimum payment to keep your account current. Your Account Information TOTAL CREDIT LINE $500.00 Payments,Credits&Adjustments TOTAL AVAILABLE CREDIT $0.00 Ttansactioris __ ___ CREDIT LINE FOR CASH $500.00 1 26 AUG PAST DUE FEE ^� $39.00 AVAILABLE CREDIT FOR CASH $0.00 2 01 SEP OVERLIMIT FEE SEP 01.2009 $29.00 Finance Charges(Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE - Your account has gone over its credit limit To avoid additional overlimil fees,you should pay more than Purchases $476.64 0.06342%D 23.15% $9.37 the Minimum Payment.Please pay enough to bring your account balance below your credit limit Cash $0.00 0.06342%D 23.15% $0.00 immediately,and make sure your account balance remains below your credit limit.Please be sure the -ANNUAL PERCENTAGE RATE applied this period: 23.151 amount you pay accounts for any future purchases,fees,and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date.To o At Your service•Gotonv aoilabne.com to manage your aocoura. avoid this fee in the future,we recommend that you allow at least 7 business days for your minimum or Cal:1.800-9033637lo report a bet or stolen card or speak to Customer payment to reach Capital One. Relations Pay Online of www.caoilabne.com a meilyour payment to: Capital One Bank(USA),NA.•P.O.Bea 71083•Charlotte,NC 28272-1083 ASend Inquiries to: Capital One-P.O.Box 30285•Sal Lake City,UT 84130.0285 .. ® 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.car)italone.com/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. --�� 6520 cam Account Number:X6520 Due—Dated New Balance �Minimum Payment Amount Enclosed GO GREEN. Sep.26,2009 I $540.76 1 $I 75.00 l ^--� SAVE GREEN! PLEASE PAY AT LEAST Pay Online and Save THiSAMOUNT money On stamps. Sign up at www.capitalone.com #90245492899031709 NICOLE L NI CKELLS 771 HAMILTON CT Capital One Bank (USA), N.A. CARLISLE, PA 17013-1519 P.O. Box 71083 11i III'I'11111111111111111'llllllll"1111""IIII'Il'I'1111'Illl' Charlotte, NC 28272-1083 nlllll'III"ulll'h'hlPll"111111"II'I'lll'li"III111d'Inl Please make checks payable to Capital One Bank(USA),N.A,and mail with this coupon in the enclosed envelope. DI 1.Now to Avoid a Finance Charge. 3.Annual Percentage Rates(APR). aGram Period.You will have a minim grace period of a.The term"Annuat Percentage Rata"may appear as'APR" e.Notice About Electronic Check Conversion. 25 days without finance charge on new paaoses,new on the from of this stalemeni. When you Provide a check as payment.You authorize us balance Vamiws,new special purchases and new D.It the code P(Quarterly Prime),L(Quarterly LIBOR),C ether to use imwmallon from your check to male a ona time other charges r you pay your total"Now Belance',in (Owdery CO).or S(Samaam Prime)appears on the from electronic fund transfer from your deposit account or to accordance with the Impodam Notice fa peymems of this statement next to the periodic rate(s).The periodic process the payment as a check transaction.When we use below•and in time for h to be coedited by your payment rates end comesDOndlrg ANNUAL PERCEMAGE RATES Information from your check to make an electronb fund tlue dale,There h no rate period w Cash advances hansfer,funds may De whhdtawn from your deposit account 9 may very quarterly and may Increase or decrease based as soon as the same dot wo receive and amcfallmnsters.In adtlftion,there is nograce w the stated Indices,as found In The Wall Street Journal, Y your payment.and you period on any tmmactlon tl you do not pay the total plus the margin previously disclosed to you.These will not twelve your check back from your financial „. 'New Balance.' cinangas will De effective w the first day ot Your Dillimg inslrution.Your authorization is not limited by the date on the ' D.Accruing Finance Charge.Transactions which are not period covered Dy your periodic statement ending In the week.We may resubmit aria eleefrwicely collect returned subject to a grace period are assessed finance charge 1) months of January.April,July and October. 9.Bankruptcy.If you am emitted 10 benkrupicy protectims for from the tale of the transaction a 2)ft=me tale the c.h the code O(Monthly Prime).F(Monthly U8OR),or G vampclion is processed to your Account a 3)from the Your account this communication is wN for tniwmaliwal first calendar dot of the mrient billing period.Adcfliwal (Treasury LIBOR)appears on line rrwa of purposes,n Is not an miem s to collect.stets or recover a Y tit Da N• wed lo the ing AN UAL P,ins PERCENTAGE lo rajas and r you die no pflythe'New 8harges iromthe previous corresponding ANNUAL PERCENTAGE RATES may vary debt ut claim.Do with send any aymenat directly,I us billing period In full,finance charges mmioue to accrue to monthly end may Increase or decrease based w The stated whheulspeaking with yarn want 10rupicy attorney athe your unpaid balance until the unpaid alance is paid In Indices,as found in The Wag Street Journal,plus the BwWlrpoy Court.If you want to ooalact va about vow full.This means that you may still owe finance ohatges. margin previously disclosed to you,These changes will be account w your bankruptcy proceeding,please have your even h you pay the entire New Balance Indicated on the effective w the first day of your billing period Bath month. altonrey contact us. - Lora or your stmemam by the payment due data,but did 4. of late.Ovedimll and Rmurned Payment ' not do so for the previous month.Unpaid fiance charges Fees.Under the to ns or your customer agmernert.we in Co. RIGHTS r 0-sli SUMMARY ale added to the applicable segment of your Account. mar"the right to wave or not to assess any fees without it Cese of Erma ll OWrong.s about Veer Biro c,Mininum Finance Charge.For each billing period that a you taint yon bill is wrong,s h you need more t amoon w your account Is subject to a Imams ohwge,aminimum Prior mom sinnayou at welme.ourrlgMloassess alremieMt a bill.vmaerIq we seperalest1e61as soon as total FINANCE CHARGE of$0.50 will be 1 the same hi Fee tees e•later lime. -to al the—the for Imposed. � S.Membership Fea and Renewing Your Account.tt o Pm Inquiries shown w the Trwl of this d.Temporary Reduction In Finance Charges.We reserve members MD fee appears on this statement.we will cmod One we Mal-to son,nt.We must hear fran you rot letot inert lib days after Ole dght to rat assess any w all finance charges for any fee if you request to close your account whhln 30 of oT Imo we sent you the first bill w which the error a Problem appeared. given ailing period, mailing of IMa statement.You may continue lo use the Vou can cell our Cuslo-r Relations m mbw of rrolhy Us by 2.Average Deily Balance 0-finfing New Purchases). account during the 30 day period before your request,tt you email a weD6ha.Out doing so will rant preserve your fights.In Finance charge Is oaicutated by m illplying the daily do not pay ell einargos owed on this eeeounl with In 90 Days, your letter.give us the following imamation:your name and balance of sea segment a your account(e.g..cash d h you use your anew am or ammm aver you request 90 dato account number.line dollar amount ot me suspected error.a advance,purchase,special transfer,and special purchase) close,any membership fee previously waved may,be description of the erta and w explanation.h possible.of why by Me corresponding dairy periodic totals)that has been Ielnataled to your atoouni. you believe Irmo Is an error,or r you freed more Information.e previously disclosed to you.At me and of each day during e.Closing or Suspending Your Account You may request description of me Item you are wsure about.You ou rid have to the billing period,we apply the dairy periodic tale for each that your account be closed by ailing or w cling our pay eery amount in question while we are irwestigaling r,but segment of your account to the dairy balance of each Customer Relotloas Deparimem.At Ina time of yar request you are 61111 oaigaled to pay the pads of your bill Met arc not In segment.Than al the end of the billing period,we add up we el provide you with additional details on closing your question.Biqa era r take My your question.we amrol repro the results m mass daffy aloulaliws 10 arrive 01 your account.This may Include payment Infomnallon.If you use You as delinquent a tale any ecllon to mlleot the enna,nt you periodic finance charge for earn segment.We add up the your credit cam or charges post to your account after you ask question. resuna from each segment lo arrive of the total periodic us to curse your account we an keep your amount open or finance charga for your account.To gal the dairy balance for reopen r.We may close w Impend your account and your t Special e a problem em Credit wi Card quality of each segment of your account.we takelhe beginning M to obtain cmd'd.We do I"at an lime and fora O you have a problem with the deity of Property or services balance for each segment and add any new bareactlom reason,even It you are not In default A suspension of your inert You Duroinosetl with a creak card and you he"tried In good and any periodic finance change calculated w the previous account an be permanent or tam re h your amounl is fern to coned the problem web me mincham.you may have the ry' fro right not to pay the remaining amount due on the property or days Delano for that segment.We Noasuaract any closed or suspended,you must slop using youraed'ri am services.You have this protection only when the purchase price payments or credits posted as of that day final are allocated and amount.You must also cancel all prwuthodzed bMIng was more then$50.00 and the purchase was made In your to that segment This gives m the separate dally balance for arrangements to the amount.We will not do this for you,h each se merit dt our account.However,a ou paid the Kane state or the stc mhos rI your ailed address.Ot ere 9 Y Y we destroy eel crash permanently cards a yourBmWm.c ks. New Balance shown w your previous statement in Tull(a d also destroy all aeon ems and amount amass cMtks.You own a operate the a Props t o h of cased you the your new balance was zero a a credit omamt),new muat alhl pay all amounts you owe us on the account.even if ativeriBemwt fa the ProDOriY a aerWeos.all Durottesos era transactions.which post to your purchase or spacial they were charged aweryouf account is cased a Coverch regwwess of amaum a location of Pu(chase.)Please purchase segmards are not edited tothe dairy balances.We suspended. remember to sign all mmespondence. calculate the average dairy balance by adding all the dally y_Making Payments.Payments you mall to us twin be credited balances logerthei and dividing the sum by ins number ot to your aomum es o11he businwo day we motive r, t Does not apply m business antitumor the days In the current billing cycle.To cacumle your total provided(1)you send the bottom portion of this statement finance charge.multiply your average dairy balance by the and yourcheck in the enclosed mmhtance an""and Q) Capitol One supports information privacy Protection:see our daily periodic vale and by 1t.number of days in the billing your payment Is rmevnd In our Prooasaing Amer by 3pm ET websre of www.aoltatone morn period.Due to rounding on a dally basis or due to minimum (12 noon PT)Please allow al least five(5)business days for CoPflal One is o ation.federally ri gMeretl service man of Capital One finance charge assessment there may be a variance postal delivery.Payments received by us al any other Financial Corporation.All rights raservatl.02008 Gepnel One between this calculation and the amloum of liana charge 'Icoaliw or in any other form may not be credited as of the actually assessed. day we receive In—.Our business days am Monday through Saturday.excluding holidays. 01OM6056-1-03126108 Changing Address? Not quite ready to make payments online? Address............................................................................_............. No problem. Follow these simple steps to make sure ......................................_......................._......,....._......... we process your payments smoothly: Home Phone...,••,.,,,.,,.. Q Don't staple or paper clip your check to the payment slip. Alternate Phone........._......_ . •Be sure to use the payment envelope that came with your E-mail �� statement.Using a different envelope could delay processing. Address.................__...........................................................:...... • Please don't include any additional correspondence. •Last but not least,be sure to write your 16-digit account Please pir nt address or phone number changes above using blue or black Ink number on your check. 500009 c'ap; - LET'S TALK — WE'RE HERE TO HELP. what's In your wallet? Sometimes unexpected expenses keep you from making your credit card NICOLE L NICKELLS payments.We understand,At Capital Ones we're here to help you keep your credit on track. Give us a call, YOU'RE BEHIND BY 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. A • If you have Internet access, you can make a payment securely online by logging on to vwwv.capitalone.com. ©2009 Capital One.Capital One it a federally registered service mark.AU right,reserved. FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date $54076 — $0.00 * $10.53 J+j $68.90 = $619.29 L $133.00 0 1 I O .26,2008 Sep.02,2009 —Oct.01,2009 Page 1 of 1 / -� PLEASE PAY AT(EAST THIS AM PUNT ( W Maste and Platinum Account You're behind by two payments.Lers talk.If you re having financial difficulties and can't make your 520 minimum payment-Nye want to help.Let's work together to find a solution. Your Account Information Payments,Credits&Adjustments TOTAL CREDIT LINE $500.00 TOTAL AVAILABLE CREDIT $0.00 Transactions CREDIT LINE FOR CASH $500.00 1 26 SEP PAST DUE FEE $39.00 AVAILABLE CREDIT FOR CASH $0.00 2 Ot OCT OVERLIMIT FEE OCT 01;2009 $290 Finance Charges(Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Your account has gone over its credit limit To avoid additional ovedimit fees,you should pay more than Purchases $553.57 0.06342%D 23.15% $10.53 the Minimum Payment.Please pay enough to bring your account balance below your credit limit Cash $0.00 0.06342%D 23.15% $0.00 immediately,and make sure your account balance remains below your credit limit.Please be sure the ANNUAL PERCENTAGE RATE applied this period: 29.15% amount you pay accounts for arty future purchases,fees,and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date.To O ww At Your Service•Go tow .csOabwne. m to menageyour accoura, avoid this fee in the future:we recommend that you allow at least 7 business days for your minimum or Cal:14808903-3637 to report a bst or stolen card or speak to Customer payment to reach Capital One. Rebllons ® Pay Online al wxw.ceoilebne.mm a melyvur payment lo: Capilal One Bank(USA).NA.•P.O.Box 71083•Charlo te,NC 28272-1083 ASend Inquiries lo: Capital One-P.O.Box 30285'Sal Lake City,UT 841380285 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 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 520 Account Number: 520 Due Date New Balance Minimum Payment mount BE SAFE (Oct.26,2009 $619.29 $133.00 Your trash could bean identity thief's . gold.Manage your account online PLEASE PAY AT LEAST and end the paper trail. THIS AMOUNT Sign up at www.capitalone,com #9027549289903177# NICOLE L NICKELLS 771 HAMILTON CT Capital One Bank (USA), N•A- CARLISLE, PA 17013-1519 P.O. Box 71083 Illlhlllllllllrlllllllllllllll'rrlllllrrllrl'Illllll'Illll'Ill)' Charlotte, NC 28272-1083 nlllllrinr'nld'4'lllh�l"Ilnlr'll'I'lll'll"Illdld'Inl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. out of 1.How to Avoid a Finance Charge. 3.Annual Percentage Rates(APR). 8.13 Goo Period.You will have a minimum grace pedal of a.The lean"Annual Pementage Rafe"may appear es'APR' 6.Notice About Electronic Check Conversion. 25 days without finance charge w new purchases.new on the front of this statement. When you provide a check as payment,you authorize us balance transfers,new special purchases and new b.If the code P(OUartemy Prime).L(Ouarlemy LIBOR),C either to use Information from your check to make a one•lime other charges 6 you pay your total"New Balance".In eledmnic fund transfer from your depool amount a to aommance with the Important Nolice fa payments (Ouadedy CC),or S(S^nkcard Prime)appeals on the from Orman the payment as a check transadion.When we use below.and M time e I d for to t Nolim by your orris payment of this statement next to the periodic toots).the periodic Informed-item your check to make an electronic fund oue dale,There Is no race perlotl on cash advances rates and mrrasponding ANNUAL PERCENTAGE RATES may your pos amount 9 prey vary quarl and may Increase or decrease based transfer.forth be we re n fray ur tle it and special transfers.In addition.there h no grew, on the staled Indices,as found In The Wall Street Journal. ss soon as the same day we receive your payment.snot you p9mcl on any Immadion 6 you do not pay the total plus the margin previously disclosed to you.These will not receive your check back from your financial 'New Balance' changes will be e6edive on the firsl day Of your billing Institution.Your authorization is not limited by the date on the b.Accruing Finance Charge.Transedions which are not chwK We may resubmit end electronically collecl returned subjed to a grave pedal are assessed finance charge 1) period months by your pedoy a statement ending In fine payments from the We d the transaction a 2)from the datelho months d January.April,Jury and October. 9.Bankruptcy,ft you are entitled 1.bankruptcy protections for frare0ction h processed to your Account a 3)fron the c.6 the mote C(Monthly Prime).F(Monthly LIBOR).or G your account,lhh communication h ony/a imormational ihst calontlen tle dine arteot 01111 period. (Treasury LIBOR)appears on the front d your statement Y a9 Y next to the periodic rde(s).the periodic rates and Purposes,h h not an attempt to allied.assess or recover a If you did not pay the*Now Balance"from the previous correspoding ANNUAL PERCENTAGE RATES may vary debt a claim.rD�o not send any payments nts directly us aftinvoy billing period in full.finance charges cmllme to accrue to mmmty end may Inceas0 or decn6ase based m the stated without speak) with our bankruptcy the your unpaid bamme umllthe unpaid balance h paid in indices,as found in Tire Wan Sired Journal.plus the account wy Count.ll you cy pro monad u1 about your full.This means that you may dill owe finance charges, margin previousy disclosed to you.These changes will be account a your badwpiry gometlhg.please maw your even If you pay the entire New Balance Indicated on the - attorney coded us. boon of our ddement b the effective t Late.day of and epaned yment month. y v payment due date.auf did t,Asaessmam d Late,o.emmn and Returned vaymerrl not do so for me previous month.Unpaid frrome charges Fees.Underline terms d your customer agreement,we TWILLING RIGHTS SUMMARY we added to the applicable segment or your Account. met"the right to wales or not to assess any fees without (In Case d Errors a Ouestims about Your Bap c.Minimum Finance Charge.For each billing period that pnor notr icdicn to you without waiving our right to assess It you think yea bill is wrong,or it you freed more Information on your 6omunt is subject to a finance charge,a minimum the some or SIMRW fees at a later lime. a transaction or bill.ware to us on a$operate shed as soon as total FINANCE CHARGE of$0.60 will be Imposed. S.Membership Fee and Renewing Your Account.If a possible al the address for Inquiries shown on the from of this d.Temporary Reduction In Finance Charges.We met" membership fee appears on leis Statement,we wig cnttldfhe statement.We must hear from you no later than 80 days after me right to not assess any a all finance charges for any fee If you request to close your amount within 30 days of the we seal you the first loron which the num er or usDeflratl. given billing Perim, trading of this statement.You may continue to use the You men Dell our Customer Relations number or noltty us by 2.Average Daily Balance(including New Purchases). account duff ine 30 de ,mod before email a webslfe,but doing so will not Deserve your rights.In rl9 y D your request.6 you our Inter,give us the follmft Information:your name and Finance charge h calculated by multiplying the dally do not pay an charges owed on this account with in 90 days. amount numost ine dollar amount d the Suspected err..a balance of aeon segment d card account(e.g..cash or 6 you use your credit td or account after you request to advance,purchase.spedal lmnsfer.and special purchase) dose.any membership tee previously waived may be desciptlon of the error and an explanation.6 possible.of wiry by the corresponding daft'periodic ram(s)Ihd has been teln$tated to your account you believe there is an error.or 6 you need more Information.a previously disclosed to you.At the end of earn day during 6.Closing or Suspending Your Account.You may 7q 1 pay any and the Gem you em while we about.You tI not have to the billing period,wo apply the daily periodic rate for each that your amount be closed by coning or writing our pry'arty amount in question t hge n are our bill m ft.ON segment of your acmud to the dally balance of each Cu$romer Relations Department.At the time of your request. you ere still obligated to pay the pan$d your bill Ihd em not In segment.Than of the and of the billing Period,we add up we will provide yon wily edd6iorrel deleih on dosing your question.While we Investigate your question,we carrot report the results d mesa dairy calculations to arrive d you accoud,This may Include payment information.If you use You as delinquent a take any action to tolled the amount you periodic finance charge for each segment.We add upihe your credit cam or charges post to your amovil atoryou ask question' results from each segment M aalve at the total petodlo us to close your account we can keep your account open or finance charge for your amount.To got the dairy balance for reopen d.We may close or suspend your account and your t Special Rule Credit Card Purchases each segment of your account.wo take the beginning m to obtain credit.We m do this at an time and fate Ii you have a problem with the quality d properly or services balance for even segment and add any new transadials meson,even 6 you are not In default.A suspension or your that you purchased with a credit card and you have tried in good and any periodic finance charge calculated on the previous aCNynt Can De permanent meneM ortampontry.6 your account N faith to coned the problem with the memhom.you may have the day's balance for that segment.We than subtract any dosed or Suspended,you must stop using your cma6 wed right not to pay the remaining amount tlu,on ma properly a payments or cre06s posled es of that day that are allocated services.You have this protection only when the pumbase price to that segment This Eves us the separate dal balance for and amount.You must also cancel an preauthorized billing was more than$50.00 and the purchase was made in your each segment d your account.However.tt you Dab the arrangements to the account.We will not do this for yon.a y g 9 Yo we close or permanently suspend your amount you must hams da crate t merchants d our malnn address.(If we New Balance shown on your previous statement in full(a tt 0130 destroy ell wredfl wards and amount amass check$.YOU own o opeent the merchant a 6 we maned yon the your new balance was zero a a credit amount).now 'must.1111 pay an amounts you owe us on the account,even 6 covered regardless le s o properly a a cation.sit purchases are to mseell...which post 10 your purchase a special they went charged after your account Is closed a covered regardless of amount a Imatlon of pumtreseJ Please purchase sag Morris ere not added to the dally to lances.We suspended. romern0w to sign all correspondence. calculate the awrage dally balance by adding all the dally. 7,Making Payments.Payments you mall to us win be credited balances logether and dividing the sum by the number of to your wmunt 0 of the business day we receive 6. t Does of apply to business emoum. the days In the current billing cycle.To calculate your total provided(1)you send the bodom portion or this:late rtrent finance charge.muftlply your average daily batame by the and your check In the enclosed ram6t^nce envelope end(2) CeDltel One supports Infamatice privet'poledice:sea our dally periodic rote and by iha number of days Kate billing your payment Is received in our processing center by 3pm ET webelm at Yprat carlt-ton,Own period.Oueto rounotng on a Daly Oasis or tlueto minimum (12 nom PT).Please albw et least five(5}business day$for Cap0e1 One Is a fedwty registered service mark d Caplial One finance charge assessment from may be a variance postal delivery.Payments received by m d any omit Flnenchl Corporation.All nights reserved.O20fJ8 Cepdal One between this calculi ion and ine emoum of finenm charge Imdion or In any outer form may not be credited es or the actually assessed. day wit Melva them.Our business days am Monday through Saturday.exciuding'holidays. -0 01 OM6056.1-03/26/06 Changing Address? Not quite ready to make payments online? Address:..........................................................................._............. No problem.Follow these simple steps to make sure ................_.........................................I......._...._......... we process your payments smoothly- Home Phone........................................... Don't staple or paper clip your check to the payment slip. Alternate Phone........._........................................._...................._............... � •Be sure to use the payment envelope that came with your E-mail P statement.Using a different envelope could delay processing. Address................................................................_................ • Please don't include any additional correspondence. •Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black ink number on your check. MAKE A PAYMENT. AND TAKE CONTROL s1G Caqpmi1a _ OF YOUR CREDIT WITH CAPITAL ONE? what's In your wallet? Your account is temporarily unusable.The good news is, by paying the NICOLE L NICKELLS amount due on your statement, you can still bring your account into good standing. YOU'RE BEHIND BY 3 Let's work together to bring your account back to good standing. PAVMENTS : You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ©2009 Capital One.Capital One it a federally registered service mark.All rights rerermed FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date r $619.29 $0.00 +x$12.89 * $68.00 $700.18 $195.00 Nov.27,2009 LT-�� L._ =Cam _ ---- Oct.02,2009 —Nov.02,2009 Page 1 of 1 PLEASE PAY AT tEASi THIS AMOUNT MasterCard Platinum Account l You're behind by three payments.But you can bring your account current by paying the minimum 520 I payment amount on your slalement.If you're having financial difficulties and you're feeling overwhelmed- Your Account Information we want to help.Give one of our associates a cal:at 1.800.955.6600.You'd be surprised what we can do together to work this out TOTAL CREDIT LINE $500.00 TOTAL AVAILABLE CREDIT $0.00 Payments,Credits&Adjustments _- CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $0.00 Transactions \\ 1 26 OCT PAST DUE FEE $39.00 2 02 NOV OVERLI MIT FEE NOV 02,2009 $29.00 Finance Charges(Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR, CHARGE Purchases $635.18 0.06342%D 2115% $12.89 Cash S0.00 0.06342%D 23.15% $0.00 Your account has gone over its credit limit To avoid additional overlimit fees,you should pay more than ANNUAL PERCENTAGE RATE applied this period: 23.15% the Minimum Payment.Please pay enough to bring your account balance below your credit limit immediately;and make sure your account balance remains below your credit limit.Please be sure the At Your Service•Goto .caoitebne.00m to manage your account, amount you pay accounts for any future purchases,fees,and finance charges. Q www or Cat"1 A00-903-3637 to report a lost or stobn card or speak to Customer You were assessed a past duo tae because your minimum payment was not received by the due date.To Relations avoid this fee in the future,we recommend that you allow at least 7 business days for your minimum 0 Pay Online etwww.cm4abnenomm mail your payment to: payment to reach Capital One. Capital One Bank(USA).HA-P.O.Box 71083•Charlotte.NC 28272-1083 ASend Inquiries to: Capital One-P.O.Bmk 30285•Sall Lake Oty,lR 841300285 Have a question about a charge on your statement? Please refer to the Billing Rights Summary an the back of your statement or visit www.capitalone.com/dis;)utes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 520 C: p Account Number: 6520 Due Date New Balance /M'ini�mum Pa men closed GO PAPERLESS! Nov. 2009 $700A 8 I —_ ` $195.!) The trees will thank you. PLEASE PAY AT LEAST THIS AMOUNT Sign up at www.cap'ttalone.com #9030749289903178# NICOLE L NICKELLS 771 HAMILTON CT Capital One Bank (USA), N.A. CARLISLE, PA 17013-1519 P.O. Box 73083 Charlotte, NC 28272-3083 I,rIILIIIII,InIrl,Ilrrlllllrlll,IJII,IIr,I,IIIJIII'Illlllllll ulllllrlu,ruldrhrhllllh�Ilnll^Il�f�lll�ll��llldld�lnl Please make checks payable to Capital One Bank(USA),N.A.and mall with this coupon in the enclosed envelope. Out m 11.How to Avoid a Finance Charge. 3.Annual Percentage Rates(APR). a.Gmce Period.You will have a minimum grace period of a.The term"Annual Pecenage Rte"may appear as"APR" S.Notice About Electronic Check Cc 25 25 days wilhoul finance charge n new purchases,new When you provide a checK as payment.you authorize us n the troll of this sttement. balance tensions,new special purchases entl new either to use hdormatln from your checK to maKe a one-lime b.It the code P(Oualedy Prime).L(Quarterly LIBOR).C posit account or to the,charges If you pay your total"New Balance".in electronic fund transfer from your de (OU is statement a CO).m or S t 10 the Periodic Prime)appears on the 1rn1 accordance with lea Important Notice it payments process the payment as fl checKake an lac When we use below.and In time it R to be credited b our payment ta es and next to the L P raCEN the E RATES information from your check to make n electronic fund YY rates and mrreerly and ANNUAL PERCENTAGE RATES transfer,funds m tiva date.There is no grace period on cash advances may may be withdrawn from your tlepasR eccouM y vary quarterly entl may Increase or decrease based and special transfers.In add Rich.there h no grace will soon as the same tley b receive your payment,ntl you pl the staled indices,as round In The Well.Street Th.Journal, peliotl on any transaction lt you do ltd pay the fret plus the margin previously disclosed to you.These will ltd receive your check Dick irrn your financial "New Balance." institution.Your eufiolzatin is ltd limited by he the on the changes will be y your Periodic he nrst day t your billing b.Accruing Finance Charge.7rensediore which ere rx9 period covered by your periodic statement ending In the crack.We may resubmit and electronically collet returned sublet to a grace period are assessed finance charge 1) months of January,April,July and October. Payments, from the date t the transaction or 2)from the the the c.If the code 0 9.Bankruptcy.If you are entitled to bankruptcy protections for (Monthly Prime),FeMonthly UBORa erne Iransectin rs processed to your Account or 3)krn the your account.this communication is only for informational (Treasury UBOR)appears on the front i t your statement first calendar day of the curent billing patlotl.Atltlltinelly. next to the periodic rale(s),the periodic rates and purposes.h is not an attempt to collet.assess or recover a „you did not pay the"New Balance"from the previous debt or claim.Do not send any payments directly to us billing period in Tull,finance charges continue to amme to corresponding ANNUAL PERCENTAGE RATES may vary wilhoul speaking with your bankruptcy attorney or the ninthly and may increase or decrease based n the stated Bankruptcy your unpaid balance until the unpaid balance is paid in indices,es found in The Well Street JO met.plus the Y our b.n you wall to comet us about h e y lull.This means that you may still owe finance charges. margin previously disclosed to you,These changes will be account or your bankruptcy proceeding.please have your even R you pay The entire New Balance indicated on the homey collet us. effective On the first day of your billing Perin each ninth. from tyour sttement by the payment due dale,but did q.Assessment of Late.Overlimit and Returned Peymem not do so for the previous month.Unpaid finance charges Fees.Under the terms of your customer agreement.we iB1LLING RIGHTS SUMMARY are added 10 the applicable segment t your Account. (In Case of Errors r cueslions about Your Bill) reserve the right to wave prod 10 assess any fees without c.Minimum Finance Charge.For each billing period that If you think your bill is wring,or if you need rare intimation on you I S the same�or s mnar fees at laterl ma,nr right to assess a transaction r DIII.write to us on a s { your account is sub act to a finance charge.a minimum separate shat as son es ti total FINANCE CHARGE of$0.50 will be Imposed, S.Membership Fee and Renewing Your Account.It a possible t the address for inquiries shown on the front of this d.Temporary Reduction In Finance Charges.We reserve membership ee a statement.We must hear from you no later than 60 days alter P appears on this mount wit we w01 credit the rive sent o Pr pp tea 1gh110 not assess any r all fin nce charges for any fee R you request to close your eccouM within 30 days of the Y u the first DIII n welch the number Problem appealed. gNen Dllling period. you can cell our Customs Relations number or ntRy,us by mailing un o1 this statement.You may continue to use the small r webslte,but tloin 2.Average belly Balance(including New Purchases). g so will not preserve your rlgMS.In account during the 30 tley period Dtore your request.If you Finance charge Is calculated by multiplying the dally What your untr.glue us teeollar am information:your name entl balance of cansegment of our account e.g..cash Day ell charges owed on this account with in g0 days. amount number,the rifler amount t he suspected ens,a Y ( rite,any emb credit cap re iously amount after you request l0 advance,purchase.speclaliranster.ell special purchase) close,any membership fee previously waived may be tlesaiptin t he error and an explanation,If possible.of why i by the corresponding daily periodic rtes)Iht has been you believe there is an error or it you need more information.a reinslaled to youramouM. previously disclosed 10 you.At the-dot can day during 6.Closing or Suspending Your Account.You may request paspiption of the Rem you are unsure about.You do not have to the billing period,we apply Ile daily periodic rate for each In.your account be closed by calling r wilting of Pay any amount in question while we are Investigating R,but i segment of your account to the dally balance of each you are still obligated to pay the palls t your Dill that are not in Customer Relations Department.At the lime of your request. segment.Th ant The ntl of the billing period,we atltl u9 we will provide you with additinal delails on closing your question.While we investigate your questl on.we cannol report the results t these daily cztcutttons to solve at your you as delinquent r take my action to tolled the amount you eccouM.This may include payment iMOnation.if you use periodic finance charge for each segment.We add up The yourcratld cap or charges past to youraccounl after you ask goen11O0' results from each segment 10 emve t the total Parodic us to close your account.we can keep your amount open or finance charge for your em 10 of To gat the daily balance for reopen it.We may clas s or suspend your account and your t Special Rule it Cfetllt Cep Puroneses each segment of your account,we take the beginning right to obtain credit.We may do this at any time and for any n you have a problem yntn he quality t property or services balance for each segment and atltl any new transactions reason,even R yon are ntl In default,A suspension o1 your that you purchased with a credit cap and you have tded In good and any periodic finance charge calculated on the previous account can be peon=rtemporary.h your account is faith to cchecl the proDtem with he merchant.you may nave the day's balance for that segment.We tnn subtract any right not to pay the remaining emouM due on the property or dosed or suspended,you must stop using your cap toe that segment.This gives as ha separate tl ty Datance for and amount.You must also cant all preauthorized bllllog was more han$50.100 and the Purchase was made in your Price each segment t your account.However.R you Dale the arrangements to the account.We will not do this Tr you.If home state or within 100 miles t your mailing address.(If we we close or permanently suspend your account.you must own r operate the merchant.or ltwe mailed New Balance shown n your previous statemem in full(or R also destroy all credit caps and smourd amass checks.You you the i your new balance was zero or a credit amount),new must still pay all amounts you owe us on the account,even h ativerisemnl iw the Property or services.all puchases are frensations.which pot to your purchase or special They were charged after your account is Clasen r covered regardless of amount r location of purchase.,Please purchase segments are not added to the daily balances.We suspended. remember to sign all mnesporpence. calculate the average daily balance by adding all the daily 7.McKing Payments.Payments you mail to us will be credited balances together and dividing tea sum by he number d to youracmunt as afire business day we receive d, t Ibex at apply to business emcrinrs the days in the current billing cycle.To calculate your l let provided(T)you send the bottom portion of this statemem finance charge,multiply your average daily balance by the and your neck to the enclosed remlttance envelope and ) Capital One supports infrmatin privacy protection:see our daily period.Duelbrrournding oo a deity bests oe due in tohm minimum Your payment is received In our processing Orion,by 3pm ET Cap„aeOn0 Is a--almorecom service mark t capital One finance chrge assessment.there may be a valance Postal noon PT).Please allowec Int eve(5)t any is days it Financial Corporation.All rights reserved.rib 20D6 Capital One postal tlali in a Payments received by us re any other Dtwen this calculation and the emouM of finance charge lootin win any other form may not be credited as of inn actually assessed. day we receive them.Our business days are Monday through Saturday,excluding holidays. T-08 Ol DM6056-1.03126/06 Changing Address? Not quite ready to make payments online? Address........................................................................................... No problem. Follow these simple steps to make sure ........................................................................_............... we process your payments smoothly: Home Phone,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,................................. Q Don't staple or paper clip your check to the payment slip- ................... Alternate Phone.................. •Be sure to use the payment envelope that came with your E-mail statement.Using a different envelope could delay processing. Address........................................................................................... ` • Please don't include any additional correspondence. e Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black Ink number on your check. 500011 TAKE CONTROL OF YOUR CAPITAL ONE® Capital ACCOUNT AND KEEP IT FROM BEING what's In your wallet? PERMANENTLY UNUSABLE. NICOLE L NICKELLS We're here to help.You can regain your charging privileges and bring YOU'RE BEHIND BY 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. j 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 rigbls reten+ed. FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date $700.18 — $0.00 *$.12 +( $3 09 0= $752.30 $ Dec.26,2009 Nov.03,2009 —Dec.01,2009 Page 1 of 1 -" --- PLEASE PAY AT LEAST THIS AMOUNT MasterCard Platinum Account You're behind by four payments.But you can still bring your account current by paying the minimum 520 payment amount on your statement.Need help?Give us a call at 1,800.955.6600,Well work together to Your Account Information end a solution. TOTAL CREDIT LINE $500.00 Payments,Credits&Adlustments TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $500.00 Transactions AVAILABLE CREDIT FOR CASH $0.00 1 27 NOV PAST DUE FEE $39.00 Finance Charges(Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Your account has gone over its credit limit.To avid additional ovedimit fees,you should pay more than Purchases $713.16 0.06342%D 23,15% $13.12 the Minimum Payment.Please pay enough to bring your account balance below your credit limit Cash $0.00 0.06342%D 23.151/, $0.00 immediately,and make sure your account balance remains below your credit limit.Please be sure the ANNUAL PERCENTAGE RATE applied this period: 23.15% amount you pay accounts for any future purchases,fees,and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date.To QAt Your Service-Go towww.cadtebne.com to manage your mcourm, avoid this fee in the future,we recommend that you allows[least 7 business days for your minimum or Cal:1-800.903.3637 to repod a lost or stolen card or speak to Customer payment to reach Capital One, Relalions Pary Online at www.cmilabne.com a mat your payment to: Capital One Bank(USA),N.A.•P.O.Box 71083•Charlotte,HC 28272-1083 ASend Inquiries to: Capdal One,P.O.Box 30285•Sat Lake City.U<84130.0285 ® 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. 520 GW_ Account Number:�520 ORGANIZATION Due Date New Balance Minimum Payment Amount Enclosed l MADE EASY. Dec,26,2009` $752.30 $21 57.00 f C_ forget the filing. PLEASE PAYAT LEAST Manage your account online THISAMOUNT and simplify your life. Sign up at www.capitalone.com 09033649289903177# NICOLE L NICKELLS 771 HAMILTON CT Capital One Bank (USA), N-A• CARLISLE, PA 17013-1519 P.O: Box 71083 1 I I I II I I I II. I I I I I Charlotte, NC 28272-1083 Irrnrl IIII 1 rrrr rll 111111 111 I 1 r Hill Irl II i Illllllrlflrrnfdlrlllhllrrllllllllrllllrlllllllhllnl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. Carrie A.Brown,Esquire PA Bar#:94055 T11-1E PR O TF i 0 N O TA n Y Robert N.Polas,Jr,Esquire PA Bar#:201259 Mark R. Garvey,Esquire PA Bar#:312686 [L i it — 11i1 to: 59 Portfolio Recovery Associates,LLC 120 Corporate Blvd. CUMPERLAND COUNTY Norfolk,VA 23502 PENNSYLVANIA TELE: 1-866-428-4102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PA CIVIL ACTION—LAW PORTFOLIO RECOVERY ASSOCIATES,LLC Plaintiff No. 11-8761 CIVIL V. NICOLE L.NICKELLS Defendant PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS INTERROGATORIES AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that Defendant answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that Defendant answer and respond to the following Request for Admissions pursuant to Pa. Rule of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. t , 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. ,6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the. foregoing, includes natural persons, joint owners, associations, companies, partnerships,joint ventures,trusts, and estates; B. The word "documents(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. he words "identity", "identify" "identification" when used with respect to a person(s) means.to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify" "identification" when used with respect to a dated, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each ep rson who have possession, custody, and control of said document(s). If any such document was; but is no longer in possession, custody, or control, or in existence, state the date.and manner of its disposition; and E. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) described the substance of the event or events constituting such an act, and to state the date when such an act occurred; (2) identi each and every person(s) participating in such an act; (3) identi all other erson s (if any)present when such an act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such 1 information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced; list the individual and his or her job title and department from whose file it was produced and all current custodian of said document. If a document called for it is believed to exist or is known to exist, but is in the possession, custody or control of another person or parry, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian, or disseminator of such document. If any document called for by this request is withheld on the basis of any claims of privilege or any similar claim, identify that document as follows: author, addressee; indicated or blind copies, dated, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1 Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend and/or provide testimony on as evidence at the time of the trial. REQUEST FOR ADMISSION NO. 1: Defendant applied for the Credit Card referenced in the Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 2: Defendant has failed.to make all required payments on the credit card. Admitted Denied If the answer to Request for Admissions No. 2 is "denied", then supply specific written documentation supporting the denial. REQUEST FOR ADMISSION NO. 3: The attached monthly statement correctly identifies the payments, charges, and balance on the account. Admitted Denied If the answer to Request for Admissions No. 3 is "denied", then supply copies .of canceled checks, both front and back, and/or if not available, specific written documentation supporting the denial.. REQUEST FOR ADMISSION NO. 4: Defendant has not submitted any written dispute as to the billing inaccuracy concerning the credit card in question during the time the account was opened on May 5, 2008 until the last payment date of July 25, 2009. Admitted Denied If the answer to the Request for Admissions No. 4 is "denied", then supply copies of specific written disputes as to any billing inaccuracies REQUEST FOR ADMISSION NO. 5: $998.15 is the correct and accurate balance of the credit card account in question at the time the account was charged off. Admitted Denied If the answer to Request for Admissions No. 5 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. REQUEST FOR ADMISSION NO. 6: 6. Please admit that you agreed to pay Plaintiff's predecessor all amounts due resulting from the use of your credit card account, including any finance charges and other charges due under the terms of the agreement. Admitted Denied If the answer to Request for Admissions No. 6 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. REQUEST FOR ADMISSION NO. 7: 7. Please admit that for each month you had a balance on your credit card account, you were sent, by mail or otherwise, a bill, statement of account, invoice or other request for payment showing all transactions billed to your account during the billing period. Admitted Denied If the answer to Request for Admissions No. 7 is "denied", then supply specific written documentation supporting the denial and indicate with full explanation what you believe to be the correct balance on the account. INTERROGATORIES 1. Please identify the person(s) answering these Interrogatories. ANSWER: 2. Please identify each and every person that has assisted you in responding to these Interrogatories. ANSWER: 3. Separately, for each of your answers to Requests for Admissions 1 through 9 above where your answer is anything other than an unqualified admit, please: a. State each fact known to you upon which you rely to support your denial or qualified answer; b. If your response is that you do not have sufficient information or knowledge to admit or deny, then describe each effort you have made to acquire the information you feel would be necessary to admit or deny the request; C. Identify each document known to you which you believe contains information relevant to your answer; and d. Identify each witness known to you who may have knowledge with respect to the.information upon which you rely for your denial or qualified answer and as to each witness, state the information you believe is known to them with respect to your answer. ANSWER. 4. If you filed affirmative defenses to Plaintiff's Complaint, separately for each defense, please: a. State the factual basis that supports your defense; b. Identify each document known to you which you believe contains information relevant to your defense; and C. Identify each witness known to you who may have knowledge with respect to the information upon which you rely for your defense and as to each witness, please state the information you believe is known to them with respect to your defense. ANSWER: 5. Have you ever requested Plaintiff's predecessor to open a credit card account in your name? If so, please state the credit card account number(s). ANSWER: 6. Are you aware of any credit card accounts with Plaintiff's predecessor opened in your name? If so, please state the credit card account number(s). ANSWER: T. Have you ever-made a purchase or obtained a cash advance by using a card, account number and/or account access check issued by Plaintiff's predecessor? If so, please state the credit card account number(s) and the date(s) of the purchase or cash advance. ANSWER: 8. Has Plaintiffs predecessor ever sent to you, by mail or otherwise, any bills, statements of account, invoices or other requests for payment? If so, identify each document and state whether you objected to it. If you have objected, identify each objection, including whether it was written or'oral. ANSWER: 9. Have.you ever objected, in writing or otherwise, to.any bills, statements of accounts or invoices you were sent? ANSWER: 10. If you keep records of purchases or payments with respect to your credit card account with Plaintiffs predecessor, do these records show a balance owing on the account? If so,what is that balance? ANSWER: 11. Is there any portion of Plaintiff's claim that you admit you owe? If so, state the amount that you admit you owe to Plaintiff and any facts that support your claim that you do not owe the rest of.Plaintiff s claim. ANSWER: 12. If you claim that the account on which Plaintiff is suing is inaccurate, specify each inaccuracy and any facts that support your conclusion that the account is inaccurate. ANSWER: Respectfully Submi ed By: / Carrie A. Brown,Esquire#94055 / Robert N.Polas Jr.,Esquire#201259 Mark R. Garvey,Esquire#312686 Carrie A.Brown,Esquire PA Bar#:94055 Robert N.Polas,Jr,Esquire PA Bar#:201259 Mark R. Garvey,Esquire PA Bar#:312686 Portfolio Recovery Associates,LLC 120 Corporate Blvd. Norfolk,VA 23502 TELE: 1-866-428-4102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION—LAW PORTFOLIO RECOVERY ASSOCIATES,LLC Plaintiff No. 11-8761 CIVIL V. NICOLE L.NICKELLS Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Request for Admissions, Interrogatories and Request for Production of Documents upon Counsel or the Defendant, by First Class Mail, Postage Pre- Paid, a copy thereof on this I day of 2013 to: KARL E.ROMINGER,ESQ. 155 SOUTH HANOVER ST CARLISLE,PA 17013 By: Carrie A. Brown, Esquire#94055 / Robert N. Polas Jr.,Esquire#201259 Mark R. Garvey,Esquire#312686 11-01693 '16-digit'Account Number ,.....,._...,...,..._...rr 520*T ..� :Customer Type N :Customer Name <NICKELLS NICOLE L �Customer Street Address 771,HA`MILT6N„CT CustomerCity...:....:.:...:.:...,......:....._,.,:..::.:..,...:..::......:... .CARLISLE...:.:.:..:....:.......w:..,..:...,..,...:.::.. ;Customer State,..,..»:.........:...:.....:.«.:w:.::.,.,..,.:........, PA:,..:,...............»...:.,:.:....::.:.,..:...w....:.:.:..� €Customer Zip Code 117013-1519 i ICustomer»Phone Number ..::,.::_.:..:» 4.5.5.019 i €Customer DOB 101/25/ :Customer SSN ` 048 ,Secured Card Indicator -N :Interest Rate 19.900 FOpen..,Date::...:.:::..w...�..,..:................h,w....w...,...........,.._.�...,:::�05/05/2008»: ..,:.�..,_....:..:.:. � EDate of First Delinquency 109/25/2009 €Charge-off Datew::........:..... »,.,..:.,.....:.,...................:.,}03/10/2010.w.,............:..........:... ::».,::::.:..:....::.:::.:.:..:::,::.::::::::::::::::w::::::::...:..,.:..:::.,....:..:::.,..,:...:,.::..:.:.:..:::.:::.,:.::::::::::....:.,...:::::.::::::.:.::... _.:::..:.:..,,.::..:.,.,::....,.:..:� 'Last Payment Date ;07/25/2009 ,Last Payment Amount 0000000000000000.001 .::::::: (Charge-off Amount 10000000000000980.00 'Current Total Balance 1000`0000000000998.15 Post Charge off Interest 0000000000000018 151 ,Post Charge-off Fees ;0000000000000000.00 €Secondary Customer Name Secondary Customer Street Address ,Secondary Customer City i ,Secondary Customer State f.,..,..,,w.w.:M.wwww:»:...w::.,v w.r...,...:..:»..�:......»....:.,..w....v......v......,,,..w:.:.v...» 6econdary Customer Zip Code fw :......:.........r.,r...r..,..x....�...v:.,,.....,,...n.......,.n:n m.n.n.n.:nn n.:n:..x..+n, (Secondary Customer Phone Number: ,Secondary Customer Date of Birth Secondary Customer SSN Data printed by Portfolio Recovery Associates, LLC from electronic records provided by CAPITAL ONE BANK,N.A.pursuant to the sale of accounts from CAPITAL ONE BANK,N.A. to Portfolio Recovery Associates, LLC on 4/19/2010 PORTFOLIO RECOVERY ASSOCIATES,LLC 140 Corporate Boulevard Norfolk,Virginia 23502 Telephone: 1-866-428-8102 Fax: 1-757-518-0860 Statement of Account Account: ************6520 NICOLE L NICKELLS Account Holder: NICOLE L NICKELLS 771 HAMILTON CT CARLISLE PA 17013 Consumer Account Product Code:MC Issuer: CAPITAL ONE BANK N.A.I Assignee: Portfolio Recovery Associates,LLC Account Number: ************6520 Date Account Opened: May 5,2008 Date of Last Payment: July 25,2009 Date of Charge Off March 10,2010 Balance at Purchase: $998.15 Purchase Date: April 19,2010 Balance at Charge-Off. $980.00 Less Payments: $,00 Balance Due: $980.00 11-01693 CAPH91 THIS COMMUhIICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPTTO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Exhibit 1 to Forward Flow Receivable Safe Agreement dated December 18th,2009 BILL OF SALE Closing Date:April 19'h,2010 Capital One Bank(USA),National Association("Seller"),in consideration of a Purchase Price of .. and other valuable consideration, the receipt of which is hereby aclmowledged, hereby sells, assigns and transfers all right, title and interest in the Accounts identified in the Sale File entitled 20100413.PS40CP.SLDFLEI.TXT (which may be in electronic form) to Portfolio Recovery, Associates, LLC (`Buyeel, without recourse or representation except as expressly provided herein or on the terms,and subject to the conditions, , set forth in the Agreement(as defined below). This Bill of Sale is delivered pursuant'to that certain Forward Flow Receivable Sale i Agreement, dated as of December I e, .2009, by and between Seller and Buyer (the "Agreement'). All capitalized terms used, but not defined, in this Bill of Sale shall have the meanings assigned to such terms in the Agreement. I The Cutoff Date for the Sale File was April 13'h,2010. I i CAPITAL ONE BANK(USA), NATIONAL ASSOCIATION B Y { Name: Jonathan Stalls Title: Recoveries MVP i PH C i AFFIDAVIT OF ASSIGNMENT I am an authorized agent of Capital One Bank (USA), National Association ("Seller"} which owned the account of the customers) named below under the account number specified. The account was subsequently sold, assigned and transferred to Portfolio Recovery-Associates, LLC. ("Buyer") on or about Apr 13, 2010. The statements in this affidavit are based on the computerized and hard copy books and records of the Seller, maintained in the ordinary course of business, the entries having been made by a regularly operated business. The affiant is authorized to make the statements and representations herein. Customer(s) : NICKELLS,NICOLE L Account- Number: 520 A computerized ending balance and charge off date were maintained on the Seller's database. The end balance showing on the books and records of the Seller at the time of the assignment of the account to Buyer was $ 998.15 on Apr. 13, 2010. The charge off date maintained on the Seller's database for this account is Mar 10, 2010. Dated this 07' day of Month lo/-)"ar. S rtee of •VIRGINIA County of CHESTERFIELD Sworn and subscribed before me on this day of 201'1 . i%,,, NOTARV NOTARY PUBLIC PUBLIC REG REr7#724#724 70 My Commission expires: MY COMMISSION EXPIRES % 7131IM3 k ;e 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. 12tMEMBER FDIC Cap�ta LENDER what's in your wallet? FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date i $592.225 — $30.00. +�$6 �+ $68.00 =$641.71 $60.00 Apr.27,2009 Mar.03,2009 —Apr.01,2009 Page 1 of 1 J ���JJJ PLEASE PAY AT LEAST THIS MIOUNT MasterCard Platinum Account ) payments,Credits&Adiustment5 520 I 1 30 MAR CAPITAL ONE ONLINE PYMT AUK)ate 29-M AR $30.00- Your Account Information TOTAL CREDIT LINE Transactions TOTAL AVAILABLE CREDIT $500.00 2 27 MAR PAST DUE FEE $39.00 $0'00 3 Ot APR OVERLIMIT FEE MAR 27,2009 CREDIT LINE FOR CASH $500.00 $29.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges(Please see reverse for important information) Your account has gone over its credit limit.To avoid additional overlimit fees,you should pay more Than Balance rate Periodic Corresponding FINANCE the Minimum Payment.Please pay enough to bring your account balance below your credit limit applied to rate APR CHARGE immediately,and make sure your account balance remains below your credit limit.Please be sure the Purchases $602.53 0.063421%D 23.15% $11.46 amount you pay accounts for any future purchases,fees,and finance charges. Cash $0.00 0.06342%D 23.15% $0.00 ,ANNUPERCENTAGE RATE applied this period: 23.15% J You were assessed a past due fee because your minimum payment was not received by the due date.To AL- avoid this fee in the future,we recommend that you allow at least 7 business days for your minimum At Your Service-Go to .cad cm tabnecom to manage your eunl, payment to reach Capital One. Q www or Cal:1-800.90N637 to report a lost or stobn card or speak to Customer Relalions ® Pay Online at www.cwhabne.com a mdlyour payment to: Caplal One Bank(USA),HA.•P.O.Box 71083-Charlotte,NC 28272-1083 - ASend Inquiries to: Capital One-P.O.Box 30285•Sat Lake City,UT 84130.0285 ® 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, Ca�Nr - 6520 Account Number: 6520 Due Date New Balance Minimum Payment Amount Enclosed Lend a hand Save the /and. C----� ��� Manage Your account online today- pr.27;2009 l —$641.71 $60.00 it's fast,easy and secure. -----� ---J`• to Pay online anytime—no more checks,stamps or clutter. PLEASE PAY AT(FAST THISAMOUNT Q Moving?Change your address online or on the back. ®Help save the planet—Go paperless. #9009249289903176# Q Sign up at www.capitalone.com. NICOLE L. NICKELLS 771 HAMILTON CT Capital One Bank -(USA), N-A. CARLISLE, PA 17013-1519 - P.O. Box 71083 II11'II111"I"III'Il"II'Illll'IIIII"IIIIIII'I'Il"1111"111111 Charlotte, NC 28272-1083 1111111'III"uhl'h'hlPll"IIn1r'll'1'lll'll"IIIdI IhlTll Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car,or refinance the one you already have. Banking Free online Savings accounts with one of the best money market rates in the nation, Personal Loans Consolidate your bills,buy what you need or have extra cash on hand. Healthcare Finance Braces, laser eye surgery,and more—we can bring medical costs into focus! Visit capitalone.com to learn more! Products and services offered by the capital One family of companies,including Capital One Bank(USA),NA,and Capital One,NA.,members FDIC C.pimi Oncis an Equal Morning undo®20M Capirat Ont.Coi./Onr it a frAemttf regiri�f znavr mark Aft,;&_voi ' b02 of 1.How to Avoid a R-rum Charge. 3.Annual Percentage Rome(APR). a.Grace Period.You will have a minimum grace period of a7ne iemn"Annual PemoMa aRme" S.Notice About Electronic Chock Conversion, g may appear as APR" 25 days wflhoul finance Chafg.W new Pwbbww,now an the front of this statement When you provide a cad:lls Raymem.Yaf eutnortz:us Canines hansfers.new special purchases and crew aanato use Wormalion from your or,$"to make a ono-flee b,tt the coda P 1.of S(Be Prime).t ime)aany LIBOR),C doer charges a you pay your totlal"New Balance".In afeclrak:fund fleeter from your tlepait eosou nt or a (Oarieay GO),of ( nkarO Prime) ill payment as a Meek lransadlon.When we use be e ow.and with the lot Ndod for your pay process the low,and in time for h ro De aeditatl by your payment d this statement nazi to Iho parodic mta(s).Ina periodic Intammbn from your check to ma%e an electronic fund rates and cadasPonding ANNUAL PERCENTAG£RATES yore depose account due date.There is to grace pertCtl on cash advances may very quarterly and may urorease or deems":based lraruter,luntls may De wandmwn from orb special Immlens.in addition•there is no grace on the slated Indices.as found in The Wag Strad Journal as soon as the same day we receive your payment.and you period a1 any Inummobn a you do not pay the total will not receive your check back from your fireecf5l plus the margin:rev OUSly discroa00 to you.These "New Balance." Institution.Your autharlEatbn is not limned by fa tlme on the changes will be by r the nw ay t young infi D.Accruing Finance Charge.Trensadions which are not Period=Voted by your perioab statement ending Po tea Check.We may resubmit and eledroniCaly celled returned subjed to a grace period are assessed gnaroe charge 1) mantis of January•April,July and October. payments, gam the dale d em usemdbn a 2)nom the oats Ins c.h the Code 0(Monthly Prime),F(MCmhy,LIBOR),ar G B.Bankruptcy.(I you are entitled to bankruptcy prdeotbns for banssotion is processad to your Account or 3)from the (Treasury UOCR)appeals on the from of your slmement your account this communication is only for Informational first calMda day al in currant billing period.Addhlonaly, nerd b the periodic rate($),the periodic wes orb purposes.it Is not an anompt to called.assess or recover a a you Old not pay the"Now Beloneo"from the previous corresponding ANNUAL PERCENTAGE RATES may very debts claim,00 not send any payments directly to us billing period In fun,fleance charges caminue to accrue to monthly and may Increase a decrease Dead w the stated wfthom speaking with your bankruptcy anomey or Ile your tmpwtl Dwane uMt#to unpab balance 75 pant in indices.as found a Toe Wag Street journal.plus is Bankruptcy Cam.a you want to oomad us about your full.This mans that you may still owe finance charges, margin Drevbusy disobsed to you.Those changes will be account or your bankruptcy proceedin g.please have your even ayou Pay the erdim New Balance Indicated on the effective on the first day of Your billing period each moms, attorney contact us. bad otypur statement byte payment da data,but rib .4,Assessment of Let%Ovemmlt and Returned�Payment not do so tot the previous month.Unpa s finance charges Facts,Under The terms of your customer agreearera.we t8#LUNG RIGHTS SUMMARY era added to the spp6cade segmam of your Account, reserve is right fro waPre of Cot b assess any fees w11mal (in Cosa of Errors a Ovestions about You BI#q C.Minimum Finance Charge.For Own billing period the If you thin%your bill a wrong,of ft you need mac iMOmmnbn an your account a subject to a imerrw char prior rrotifoston b you withom waiving our light ro assess I fie,a minimum the some or similar fees at a later lime, a tmnsaelion a MIL,w le to vs w a separate street as soon as total FINANCE CHARGE of$A.50 will Da Impeded. Renewing Possible al the address fa inquiries shown on the from d this d.Te 5.Membership Fee ere n this s Your Aoceum.if a Temporary Reduction In Fm.na Charges.es of any membership tog appears an this statement wta Crack the statement.u In most bear nom you no last than bl days pear the night to not assess ant or slf limauce charges for any fee a you request to close your amount within 30 days of the we sont you to first eta on wniM to$nor a:Twee appeared, liven bin.g Period. mustang of this statement You may continue to use the Yau Can Cali our Customer paid Ions number or allay m by 2.Average Doty Balance(Including Now Purchases). account during the 30 day period before your mquesl.If you small a embsa:,but doing so will trot pros erve Your fight s•In Finance balance of leer on segment d your account(aag.cash a it y pay all charges owed on this account you in qu days. 00000UM nrumberuthe dollar following mount Or the suspected wo v,rya+use yourosdd dim arauvoum aaer you request to tlosoiplbn d the----o anafbn.a parsiWe.of wiry advance.purCnwe.special transfer,and special purchase) close.any numerable previously waved may be by the corresponding defy periodic rmo(s)that ties been minstaloo to your account. you believe that:Is an error:or ayou mod move Information•a previously disclosed to you.At the antl of each day during B,Closing of Suspending Your Account.You may request desaiplion at the from you am unsure about.You do not have to In.billing Period.wo apply the daily periodic rate tot each that you(account be closed by ailing or wrain9 our pay any amount In question while wo em Investigating ft.but apgm9m d your acooum b the day balance of each �Cussomer Relations Department.At the giro of ydrr request you am still Obligated to pay the pads d your bill Read pro not In segment.Than at the and of the billing{ratted.w:add up we wad:levee you worn atldaidls#68ta2ts on dosing your questim While we investigate your question,we camel report the results d these daily alcuimions to arrive m your you as 6eitrpuoM a take arty action ro called fie amount you we will.This may include payment Information.its n o if you use Periodic finance Charge for ach segmold,We add up the your cmdIt cam or charges pmt to your account*flat you ask question' swuns from wall segment to emus m the foal periodic us to close your account we an keep yourpmourd open or 8-11 Marge for your account m t lid the daily weior reopen a.We may close or suspend your account and your n you hems Rule rove �hhtt Card e 4 tce lad properly or sawkes each segment d your area and did any The beginning right to obtain credit.We may ob Iists at any time and for any aaance tpeeriodidic nrwnce charge Calculated an the previous mason,even h you are not in default A suspension of your faith you o coned the problem with the nlamhoM.you emay h#ava� and an account an be pormanem or temporary.a your account is days Deana for that segment.We ins subtract any dosed a suspended.you must stop using your cmda cord fight not to bey to remaining amount due on the property a Payments or Credits posted as of lest day that ate allocated and acedum.You must alsoeamst alt preeuthoaxetl bgikg services,YOU have this protection only when the purchase price IQ that segment This gvas us the sepawe dairy balance tot #nangemants b the tecoum.We will not do this for You,a was maa than 550.00 and the purchase was motto in your earn segment d your amount.However.a you PAW to we ngea Cr p;So the co suspend you{or aWnt you must hallo state Of within 100 miss d your matting address.(11 we New Balance shown on your previous sate mrmd b full(a d also destroy all Credo ems prod y ouM acces s checks,You own or operate the merchant a a we ratified you the you r new,De lance was coma a credit amount)•new must mgt pay as amounts you rows o M to acceunt,even a ativpriisanrent for the properly a services•all purchases are lmaredlom,which post ro Your Purchase ot specs( they were charged eels your account a stared a Covered regardless of amount a laomim of pumas$.)Please punches.segments are rot added tote dairy befances.We theywoaa. remember to sign all toaespondenee. calculate the average dotty baisaw by adding eg the dairy 7•Making Payments.Payments you mail I us will be cradaed balances together and dividing to aum by the number d to your aocoum as of la es business day we receive a, t Go not apply to business amounts The days in the current piping cycle.To calculate your lose provided(f)you send the bell=portion of this saament capital One supports Privacy protection:sa our finance Merge.multiply your average daily balance Who. and your Meck in to enclosed mmdfa der mwefope antl(t) capital lei ma� dotty perod.Due b r 01.9 on a defy basis oaf due to mnimum yourpsym ent is receved a our processing arder Dy 3pm ET Capitol One is a fadomly registered severe=fit of Capital One fiance Marge assessment tare may be a va"ance (12soon PT).Pimsa anowai laast five(5)bwfmss days for Financial Corporwion.All rights reserved,02000 Copost One postal delivery,Payments moolved by us so any other between this cabulallm and the smoum of finance charge location a In any other forth may not be credited as of to actually assessed. daY the mdave tam.Our business data am Monday through saturday,,mew tog mad olamil 50-I•oarwm Changing Address? Not quite ready to make payments online? Address........................................................................:.................. No problem. Follow these simple steps to make sure _............_..........._................._..................._...,.......... we process your payments smoothly: Home Phone.—....................... � Don't staple or paper dip your check to the payment slip. Alternate Phone................... •le sure to use the payment envelope that came with your E=mail statement.Using a different envelope could delay processing. Address........................................................,............................ • Please don't include any additional correspondence. •Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue of black ink number on your check. s0000 Cap5000013 what's in your wallet? It could happen to anyone. Make sure you pay the amount NICOLE L NICKELLS 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 Youffre ' ' BETTER INTEREST RATES by I payment (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS(when you want to buy a home or new car) 0 2009 Capital Om.Capital O t is a frdm ily r.utmd sm ire mark.All righe resen d. FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date $641.71 — $0.00 + $12.47 $78.00 = $732.18 $122.00 May.26,2009 Apr.02,2009 —May.01,2009 Page 1 of 1 PLEASE PAY AT LEAST THIS AMOUNT MasterCard Platinum Account You're behind by one payment.Remember that paying the minimum payment by the due date keepsyour 520 account current.So make sure you send in the minimum payment to keep your account current. Your Account Information Payments,Credits&Adiustments TOTAL CREDIT LINE $500.00 TOTAL AVAILABLE CREDIT $0.00 Transactions CREDIT LINE FOR CASH $500.00 1 27 APR PAST DUE FEE $39.00 AVAILABLE CREDIT FOR CASH $0.00 2 01 MAY CAPITAL ONE MEMBER FEE $39.00 Finance Charges(Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to Tale APR CHARGE Under terms previously disclosed to you,some or all of your Annual Percentage Rates{APRs)have been Purchases $655.45 0.06342;6 D 23.15% $12.47 increased since your accountwas past due twice in the past 12 billing cycles.If your rates have already Cash 50.00 0.06342%0 23.15% 50.00 increased,subsequent delinquencies extended the duration of the increased rates.Remember:If we ANNUAL PERCENTAGE RATE applied this period: 23.15% receive your minimum monthly payment on time for 12 consecutive billing cycles,this account will be reviewed for a possible return to your Non-Introductory APR. QAt Your Service-Go avn wNxedtetne.com to mmegeyour aLooum. Your account has gone Over its credit lima To avid additional Overlimit fees,you should pay more than or Cat 1MO-903.3637 to report a bst or stolen card or speak to Customer the Minimum Payment.ay ment.Please pay enough to bring your account balance below your credit limit immediately,and make sure your account balance remains below your credit limit.Pisase be sure the ® Pay Online at w .cm8ebne.mm Or matyour payment to: amount you pay accounts for any future purchases,fees.and finance charges. Capital One Bad(USA),NA-P.O.Box 71083'Charbtte,NC You were assessed a past due fee because your minimum payment was not received by the due date.To 28272.1083 avoid this tee in the future,we recommend that you allow al least 7 business days for your minimum eSend Inquiries to: payment to reach Capital One. Capital One-P.O.Box 30285•Sat Lake Oly,UT 84130.17185 ® 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 W W W.CAPITALONE.COM TO MARE YOUR PAYMENT ONLINE. 6520 Cap�Fa�j�- Account Number 6szo Lend a hand. Save the land. Due Date New.Balance Minimum Payment Amount Enclosed Manage your account online today— May.26,2009 $732.18 $122.00 it's fast,easy and secure. ®Pay online anytime—no more checks,stamps or clutter. PLEASE PAY AT LEAST THISAMOUNT Q Moving?change your address online or on the back ®Help save the planet—Go paperless. N9012249289903171# ®Sign up at www.capitalone.com. NICOLE L NICKELLS 171 HAMILTON CT Capital One Bank (USA), N.A. CARLISLE, PA 17013-3519 P.O. Box 73083 I'I'I'ill'I'II'I.Irllllllllll'IIIlllllllll'Ill'Illl'Illl'Illll"I Charlotte, NC 28272-1083 nlllll'ill"ulll'h'hllul"Ilnll^II'I'lli'll"IIIIIId'Inl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. 001 of 1..How to Avoid a Finance Charge. 3.Annual Percentage Rates(APR). a.Grece Period.YOU will have a minimum grace period of a.The term"Annual Percentage Rate"may appear as"APR" B.Noll"About Electronic Check Conversion. 25 days without finance charge on new purchases.new On thefroM ofihls statement, When you provide a chap(as payment.you authorize us balance beaters,new Special purchases and new either 10 use inf—hallon from your check to make a one-lime D.(Qua code P).or Say Prime).L Prime)(Quarterly LIBOR).C other charges d you pay your total"New Balance".in electronic Lund transfer from your deposit account or to accordance with the Important Notice for payments (Quarterly Sta erne or S t to the pe Prime}appears on ldbodic process the payment as a check transactor.When we use below,and In time for ft to be Manned 0 ra this statement next to the periodic Weis).the EBRATC y your payment rates and quarterly and ANNUAL PERCENTAGE RATES Information from your chocklo make an electronic fund due date.There Is no grace period o cash advances may vary quarterly and may increase or decrease based transfer,funds may be withdrawn from your deposit account and SPegaltmnshus.In addition.there is no grace as soon as the same day we receive your payment,and you o the staled indices,as found in The Wall Sir se Joumal. will not receive your checK Dack from your financial period many lmnsectien if you do not pay the total plus the margin previously disclosed to YOU.These "New Balance." changes will be effective m the first day of your billing instftution.Your aulhoazalion is not limited by the date On the b.Accruing Finance Charge.Transactions which are not period covered b check.We may(esubmft and emcIrmuCally-41W returned sub)ect to a grace Period are assessed finance charge 1 Y.April, statement ending in the payments, g ) months d January.April,July end October. from the date q the transaction or 2)hom the date the 9.Bankruptcy:If you are entitled to bpnkruptry protections for transaction is rccessed to c.(the ode m(Monthly Prime),F{Monthly LIBOR),er G i p your Account or 3)from the (treasury LIBOR)appears ft the wont of yow slatemeM Your account.tnot communication is only for ss 0,moral first calendar day ot the current billing pertotl.Atltlaioally, next to ire perio0ic rata(s),the periodic rates and Purposes.It is not an attempt to cotleq,assess or recover a d you did not pay the"New Balance"from the previous debt or claim,Do not send any payments directly to us bitting period in full,finance charges continue to accrue to corresponding ANNUAL PERCENTAGE RATES may vary without speaking with your DanKmpiry Gnome or the month) and may Increase of decrease based on ire stated Y Your unpaid balance untilthe unpaid balance is paid in indices,as found in The Wall Street Joumal,plus the BankruPtcy Court.If you want io ccmacl us about your lull.This means that you may still owe finance charges, margin previously disclosed to you.These changes will be account or your bankruptcy proceeding,please have your even d you pay the entire New Balance indicated on the effective on the Post day of your billing period each month. attomey contact us. front of your statement by the payment due dale.outdid q Assessment of Leta.Oveaimn and Returned Payment riot do so for the previous month.Unpaid finance charges Fees.Under the terms Of your customer agreement.we tBILLING RIGHTS SUMMARY Ole added to the applicable segment of your Account. (In Case of Errors or Queslims about Your Bill) c.Minimum Finance Charge,For each oiling reserve the fight to waive or not o assess any fees wlhouf 9 g patio 1u Prior ame"Sim a you at a lawgiving our right to assess a You tarok your bill rs wrongs n you need more information as sC On I your account is subject toefinence charge.aminimum the same orsimlarfees eta later time atransactor or bill,white to us on aseparate sheet as soon as total FINANCE CHARGE of 50.50 will be imposed. S.Membership Fee and Renewing Your Account.If a possible 81 the address for inquiries shown on the front of this d.Temporary Reduction In Finance Charges.We reserve membership fee appears on This statement,we win credit the statemenl.We must hear from you no later than 60 days after the right to not assess any or all finance charges Tat any tee if you request to close your account within 30 days 011he we sent you the first 6111 on which the error or problem appeared. given billing period. mating ofihis statement.You may continue to use the You can pall our Customer Relations number or notify us by 2.Average Deily Balance(Including New Purchases). account during the 30 day period before your request.If you email or weDSite.but doing so will not preserve your rights.In Finance charge is caloWated by multiplying the dally do not pay all charges owed on this account with in 90 days, Your latter.give us the following information:your name and balance of each segment of your account(e.g.,cash. account number,the dollar amount of the suspected error,a advance, IlrChase.a Col transfer.and ofd you aSmemb Getll fee Of previously after i d may lequBSl lO P pe pedal purchase) pose.any membership fee Orevious7y waived may De you believe q the error and r: f 6 you mod mo a Information.of cony i by the corresponding dairy Periodic rele(s)1hM has been reinatated to your amount. you Deliave mere is an error:or a you head more Information,a !I previously disclosed to you.At the and of each day during 6.Closing or Suspending Your Account.YOU may request description Of the item you are unsure about.You do not have to the billing period,we apply the daily periodic rate for each that your account be closed by Calling w writing our pay any amount in question while we are investigating d,but j segment of your account 10 the daily balance of earn you are s1i11 obligated to pay the parts of your DIII that are not in If segment.Then at the and of the billing ustomer Relations Department.At Ina lime of your request. g period,we atltl up we will provide you with additional details on closing your question.While we invesligale your question,we cannot report the reruns of these daily calculations o arrive at your account.This may include payment iMOrtnation.If you use You as delinquent a take any action to collect the amount you periodic finance charge for each segment.We atltl u0 the your cretlN card or charges postto your account after you ask question. ferule from earn segment tO arrive et the total peaotlic us to close your account,we can keep your amount open or finance charge for your account.To get the daily balance for t Special Rumfor Credit Card Purchases It se marl of our account.we take the D innin open ft.We may close w suspend your account and your If you have a Problem with the quality of properly or services g Y g right to obtain credit.We may do this at any time and for any y p q rd y g balance for each segment and add any new transactions that you puronasetl with a credit cant and you have teed In good and en reason.even d you are not In default.rnimr f suspension of your y periodic finance charge calculated on the previous amount can be permanent oriemporery.d your accWnt Is faith to correct the problem wlYh the merchant.you may have the day's balance for that segment.We than subtract any closed or suspended.you must stop using right not 10 pay the remaining amount due on the property or pe op g youraretln cant payments or cmdns.posted as of that day that are alloceotl services.You havalhis protection only when the purohase price i and account,You must also cancel all preauthoze0 billing to loaf segment.This gives us the separate daily Dalance for analigaments 10 the accora.We will not do this for you.If `vas owe than F50.00 and the purchase was made in your each segment of your account.However,d you paid the we close of rmaneMl sus pond home stale or within 100 miles of your mailing address.(11 we pa y po your account,you must New Balance shown on your previous statement in fu l(or ft also destroy all credit Canis and amount amass checks.You own or operate the merchant.or it we mailed you the i your new balance was zero or a credit amount).new mot still advertisement fa the properly or services.all Durohases are irensactions.which post to your purchlase or special PaY 811 amounts you vwe us on ire ecmuM.even a covered regardless of amount or 10081101 of purchase.Please They were charged after your acounl is closed m ) purchase segments ere Trot added by a daily balances.y suspended. remember to sign all ccrtesDOrttlence. calculate the everege daily balance by adding WI the dairy- 7,Mating Payments.Payments you mail to us will be credited balances fogethet and dividing the sum oy the number of to your amount as of the business day we receive ft. t Dori n0tsppty M business accounts the days in the current billing cycle.To calculate your total Provided 1 Tlnonce charge,mulipry your avers a daily balance D ire O you send the bottom portion or this statement Capital e supports 9 g Y pports information privacy protection:see our deity periodic rata and by the number of days in the billing and your check In the enclosed lematance envelope a^tl 12) ,,,On,9 www acittalone.mom your Payment is received in our proessing center by 3pm ET ante ohargaressessmenl them basis y Da a variance minimum (12 non PT).Please allow at least five(5)business days for Financial l Corporat�ioaaAll fights reservetll q 2008 Cepilepl One e between this calculation and the amount of finance charge pos181 delivery.r in a Payments received by us re any other 9 location w in any other form may rid De cradled as of the equally assessed. day we receive them.Our business days are Monday through S81urtlay,excluding holidays. _ --? _4B _S 01OM6056.1•03/26/08 Changing Address? Not quite ready to make payments online? Address..............................._.......................................................... No problem. Follow these simple steps to make sure .............................................................._....................... we process your payments smoothly: Home Phone............................ Q Don't staple or paper clip your check to the payment slip- Alternate Phone........................... •Be sure to use the payment envelope that came with your ................................................................ E-mail statement.Using a different envelope could delay processing. Address........................................................................................... • Please don't include any additional correspondence. • Please print address or phone number changes above using blue or black Ink Last but not least,be sure to write your 16-digit account number on your check. 500016 0�1-�MST—`4,111 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 Ca p�ta �E�NOER FDIC what's in your wallet? FINANCE Previous Balance Payments&Credits CHARGE. Transactions New Balance Minimum Payment Due Date =$732.18 —( $122.00 + $12.82_ + $29.00 =$652.00 $22_00 I Jun.26,2009 May.02,2009 —Jun.01,2009 Page 1 Of 1 --' ----'-' ^� PLEASE PAY AT 16M THIS AMOUNT MasterCard Platinum Account 1 520 Payments,Credits&Adjustments 1 11 MAY CAPITAL ONE ONLINE PYMT AuthDate 09-M AY $122.00 Your Account Information Transactions TOTAL CREDIT LINE $500.00 2 01 JUN OVERLIMIT FEE JUN 01,2009 $29.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges(Please see reverse for important information) Your account has gone over its credit limit.To avoid additional overlimit fees,you should pay more than the Minimum Payment.Please pay enough to bring your account balance below your credit limit Balance rate Periodic .Corresponding FINANCE immediately,and make sure your account balance remains below your credit limit.Please be sure the applied to rate APR CHARGE amount you pay accounts for any future purchases,fees,and finance charges. Purchases $652.02 0.06342%0 23.15% $12.62 Cash $0.00 0.06342%0 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23.15% O Al!h At Your Service-Go to w—cacitabne.com to menage your account, or Cal:1-800-9034637 to report a bst or stolen card or speak 10 Customer Relallons ® Pay Online at www.cwlabne.com or malyour payment to: OryAal One Bank(USA),NA.•P.O.Box 71083•Charlotte,HC 28272-1083 ASend Inquiries to: Capital One-P.O.Box 30285•Sale Lake city,UT 84130-0285 ® 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. - 520 Account Number: 520 Lend a hand. Save the land. Due Date New Balance Minimum Paymen moun nclosed Manage your account online today- --, -� Jun.26,2009 $652..00' it's fast,easy and secure. —�` _.�%�.� _J ia Pay online anytime—no more checks,stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT Change your address online or on the back. Q Moving?9• 9 ®Help save the planet—Go paperless. #9015349289903176# - ®Sign upatwvaw.capitalone.com. NICOLE L NICKELLS 771 HAMILTON CT - Capital One Bank (USA), N.A. CARLISLE, PA 17013=1519 P.O. Box 71083 I'III"1'1111'1'1"1111'Ill'IIIIIIIIIII'I'Illllllrlllllllrl'Illl' Charlotte, NC 28272-1083 ulllll'III"n111'h'1111111"IInIr'll'I'lll'll"IIIII111'INI Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car,or refinance the one you already have, Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Braces,laser eye surgery,and more—we can bring medical costs into focus! Visit capitalone.com to learn more! Products and services offered by the capital One family of companies,including Capital One Bank(USA),N.A.and Capital One,NA.,members FDIC. Capital One is an Equal Having Lcoder 0–VW Capday On'.Cc iwf 0-u mark.All r bs,rurrurd oat at 1.Now to Avoid a Finance Charge. 3,Annual Pefantage Rates(APR). a.G,mo Period.You will have a minimum grace Poi od of s.Tne fens"Annual ParceMage Rate"may appeer as"APR' 6.Notice About Electronic Check Conversion. 25 days without finance charge on now Purchases,new on the from of Ads stafement Whon you provide a check as payment.You authorize us balance eam"m new special purchases and new b.it the code P(Ouanany Prime).L(Comedy U80R),C shtar to use information from your oback to make a onaana dhorehatges a you pay your total'Now 8stanoe".In Duane rS lBankcerd Prim)a olechorn fund transfer from your deposit account a to ( M CO). ) ppears on Rte from below.o.and with of Impo be Nalco bit Payments process the payment check a neckalls an oxil Wham Wd use d this stal8menl next to to parbtlia mte(s),Iha Perlptli0 below,entl in time to It to De aedaed by yew payment rates and mrmspondIng ANNUAL PERCENTAGE RATES it lw.fn from your whw o make an o rchenic fund due dale.There Is no grace period on cash advances may vary quartady and may increase or decrease based transfer.tuMS may as withdrawn from your depose 8ccoum and$pedal Imnslom.to addition,them Is no grace as soon as the same day wo receive your payment,and you a nre stated inches.as found lo The Wag Sired JouMai. " periodou any transaction If you do rid pay the total plus the margin previously disclosed toyou.These oust not necdva yew checKDac%from youitira,cini "New Botarae' changes will be effective on the first day d your biding Imllution.Yom authorization is ncl limited by the dole on to b.Accruing Finance Charge.Tmnsac7ions which era not period covered by your parodic statement ending in the crack.We may resubmit and eleelronicaty collect returned sublet to a grace ported are assossed finance charge 1) rtonths of January.April,July and October. payments. iron me tlate d irie trMSDdfan a 2}trom fie date tae 9.eankmptcy,r you ass emhted to bankruptcy protections for a.n the colts 0 lMoMny Prima},F(atwany llBOR},or G transaction is to yew Account of 3}iramihe , (treasu U80R a yew account lots communication twnls only assessofmomai 01st aNmd8n day f the wdent billing ry ) PPears on marmot dyournd ant Y rig Period.Adtlhbnely haat b me periodic rate(s).Ina periodic Mm erw purpose.h n col an attempt to eoaed,assessor recover e a you did nd Pay the"Now Balanos"lrom the previous oorresponding ANNUAL PERCENTAGE RATES may vary dent a claim.Do,hd sent any payments directly b us mUeg Period n 11.11,(1--charges continua to accrue to mpnmy and may Increase w escrease based as the stated withoul speaking we your bankruptcy attorney ar the your unpaid balance,u0thtae unpaid balance Is paid in Indite,as found in The Wag Street Joumat pies the Bankruptcy Coud.It you want to oomad as above your fug.This means that you may still owe Snares,charges, margin previously dlsctosad to you.These cnanges win be account or your bank uotcy procoedmg,pt�e have your even If you pay the entire New Balance Ind lornod pit the enealNe on the first tlay of your billing period each month. attorney colect us. from of your statement by the payment due dale.Dui did q,Assessment d Late.Ovariima and Returned Payment not do so for The previous month.Unpaid finance charges Fees.Underlbetarmsdivuroustomaf agreemerrt,w8 t81LUNG1 Emma rOunli SUMMARY are added to the applicable segment d your Account, reserve is right ro wake or nit#tti assess arty fees without fn Case of£crone a 0veslkons about Your Baq p.Minimum Finance Charge.For each billing period that prior nrottftcation to you without waiving our right to assess if you think your bill is wmng.of a you Head more WormMlon pit your account Is subject to a finance charge,a minimum the same o similar fees at a later time, a Trensaction er MII.ware to us en a separate sheet as soon as total FINANCE CHARGE of fA.60 will be imposed. possible at the address for inquiries sham on the from of this S.Memberehlp Foe end Renewing Your AcmuM.If a d.Temporary Reduction in France Charges.We rescue membership fee appears oo this statemeaL we wfli cmdii the statenam.We mull near from you no later than 80 days amen Rte right to not assess any or an inance changes for any fee gym request e.dose yow amoum waMn 3o days d tits we sent You The first DIg on which the enof o problem appealed. given titling period. rrtaaing of tots statement.You maY continuo to use[its You can coal our Customer Relations number or no iy us by 2.Average Dolly Balance(Including Now Purchases). Small a websfl8,but doing as will not preserve your rights.In account during the a0 dory period before your equew,tryou Finance charge Is calculated by muglpying the dairy do opt pay all charges owed on this account with In 90 days, your letter,five 1.6 tae fdlowing inlamahpn:your name and balance d each 5g—Td of you,account(e.g..cash or gym use youroredn card w=mM after you request to mo0wrl.—bar,the delta,amount d the suspected-w.s mvaras,pwdese,special transfer,and special Purchase) close,any membership fee previaesty waived may be dasaiption d the war and an wolanaliol,a possible.of why by the certespon(irg doily periodic totals)that has loan millet tied to your accoum. You bwarve loom Is an error:or h you reed mars information,e previmsy disclosed m you.Al Ire end of each dsy during S.Closing or Suspending Your Account,You may request description of the hem you ore unsure about.You do nes have to the bitting pedod,we apply the dairy periodic rata for each that your mcoum be closed by aging d writing our pay amt amount In question while we are imesligati g a,but segment d your we to the dolly balance deal* ou ere sole obligalad to pay the pads d your MII that am not in s meat.Than at the and of the billing we Customer Relations Oep oddion Al At eta Rare d your request. uestion.While wo Investigate our ueston,we,aruot m eg g Period.at ado 1.P we o n pmrwa you with atlditlaai details an closing your q g X q Pod the results d mesa dairy atwtaliorrs to adve ffi yew acmuM.This Xorr as dettrlquam a take any wagon�aoaod me amount you owl.dic finance cherga for each segment.We add up the may ncwda paYmto your ahaan.nYou use question. results from each segment to enke al the total periodic your cant scentuntwo cm our account coo ask finance dirge for your eecprmt To get the daffy balance for us to cniet your account we an keep youramount open or t Special Rule fa Credit Card Purchases each segment d your account we take the begnni reopen a.We may close or suspend your account and your It you have a problem with the quaiy d properly a services balance to each sit molt and age a new von ac oos d9hl to obtain cre6o.We may do this at any time and for arty that you puwhased with a credit card and you have tried n good and any g any moson,even If you are not to default.A suspension of your 184h to coned ma problem with toe Marchand.you may havothe y periodic finance charge tabulated on the Previous acceuM an be permanent or temporary,d your account le days balance fo that segment.We than subtract any dosed o'suspended,you must stop using yow ereah aro rlgM rid to pay the remaining smoum due on the property or when the puic base price IQ that gmentdThis gives us as of that the lost am allocated @Ad balance or exeunt.You mast also carnet ag preauthaized billing ,mss zees/hen E5o-100 end The pwcna"se was rtade n your each segment d your account.However.a You paw the aoangse,of p a the account,en wig not do this for You.it hones state w within 100 Mass d yaw malln address. we ws dose or 231 a dh ca suspend your axoum.you rrurst g New Balance shown pit your previous slMartam In toll to a also destroy ail bed%ems and account amass checks.You °Wit a operate l me merchant.o a we malted you the your new Glance was zero or a croon amount),new must still pay on amounts you owe us on the account,even a ativeriisemenl for ma progeny a location.ell purchases ors temactions,wnbhposlloyawpurchasowspeclal mtpwena chargedafleryourocceuntiscoweda paveretl,e9mtlass of amount aloeation of purchase.)Please Purchase segments are not added to to dally stances.We suspended remember to sigo all correspondence. mt.rate fns avetaga daily balance by adding MI the daily 7,Making Payments.Payments you mail to us will be credited balances together and dividing the sum by the number d a your account a of business day we receive a. T Dees runt apply a Dwfrass amounts It*days In the current baling cycle.To calculate yo„Joist provided(1)you sand the aflom portion d this statement Cdpdei One finance charge.mufliply your average dairy balance Mthe and your Check in the encased mmiltance envelope and(2) weaal at supports Information privacy Protection:sae our daily Periodic rate aw!by Ire number of days n the haling your Payment Is received n our prmessng aMar by 3pm ET fiinnaan a dnargarassessmant dolly ere may be a variance (12(12 noon PT).Please allow at least Rea(5)bushown days far Financial C Pwation.AN ghts reserved. 2008 CopaetOrm e postal delivery.Payments received by us at any other bdween this alculatirnt and the artcuM of inane charge location or in aor other form may not be cmdaed as of the .dually weaned. day we mcoNa them.Our business days am Monday through Saturday.onlydi holidays, 01OMS056.1.0326+ Changing Address? Not quite ready to make payments online? Address......................... ........................................................... No problem.Follow these simple steps to make sure ...................._,........................................... we process your payments smoothly: Home Phone,,,,,,,,,,,,,,,,,,,„, a Don't staple or paper clip your check to the payment slip. ..................................................................... Alternate Phone„.................... a Ile sure to use the payment envelope that came with your E-mail statement.Using a different envelope could delay processing, Address.................„„....................„............................„.............. � a Please don't include any additional correspondence. •Last but not least,be'sure to write your 16-digit account Please print address or phone number changes above using blue or black ink number on your check. Capital SO0008 what's 311 your wallet? It could happen to anyone. Make sure you pay the amount NICOLE L NICKELLS due on your statement as soon as possible.' WHOO IS1 Keeping your credit in good standing can ■ do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES Ii BETTER INTEREST RATES byl payment (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS(when you want to buy a home or new car) m 2009 Capital One.Capital Onr it a fedemLly regmard sn ire.m4rk.All rigbaa remmed. FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date $652.00 $12.67 + $68.00 = $732.67 D $84.00 Jul.27,2009 Jun.02,2009 —Jul.01,2009 Page 1 of 1 PLEASE PAY AT LEAST WS AMOUNT MasterCard Platinum Account You're behind 520 by one payment.Remember that Ming the minimum payment by the due date keeps your accounl current.So make sure you send in the minimum payment to keep your socount currenl. Your Account Information TOTAL CREDIT LINE $500.00 Payments,Credits&Adjustments TOTAL AVAILABLE CREDIT $0.00 Tmnsactions CREDIT LINE FOR CASH $500.00 1 26 JUN PAST DUE FEE 539.00 AVAILABLE CREDIT FOR CASH $0.00 2 Ot JUL OVERLI MIT FEE JUL O),2009 529.00 Finance Charges(Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Under terms previously disclosed to you,some or all of your Annual Percentage Rates(APRs)have been Purchases 5665.84 0.063424'.D 23.15% $12.67 increased since your account was past due twice in the past 12 billing cycles.If your rates have already Cash 50.00 0.06342%0 23.15% 10.00 increased,subsequent delinquencies extended the duration of the increased rates.Remember:If we ANNUAL PERCENTAGE RATE applied this period: 23.15% receive your minimum manthly payment on time for 12 consecutive billing cycles,this account will be reviewed for a possible return to your Non-Introductory APR. Q At Your�Service-G710 wwa.caoretnemm to menage your ecmura, Your account has gone Over its credit limit.To avoid additional ovedimit fees,you should pay more than report a bst or stolen cad or speak to Customer the Minimum Payment.Please pay enough to bring your account balance below your credit limit Reblons immediately,and make sure your account balance remains below your credit limit.Please be sure the Pay Online at www.cmilabne.com ar mailyour payment to: amount you pay accounts for any future purchases,fees,and finance charges. Caphel One Banta(USA),NA.•P.O.Sm 71083•Charlotte•NC You were assessed a past due fee because our minimum payment was not received the due date.To 28272-1083 P Y PaY by avoid this fee in the future,we recommend that you allow at least 7 business days for your minimum ASend Inquiries to: payment to reach Capital One. Capital One-P.O.Bm 30285•Sal Lake Oty UT 8,4100235 ® 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.camitalone.conddisoutes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TOwWwCAPITALONE.00 M TO MAKE YOUR PAYMENT 0NUNE. 520 Account Number. 6520 Lend a hand. Save the land. Due Date New Balance Minimum P losed Manage your account online today— Jul.27,2009 $732.67 $84,00. it's fast,easy and secure. 0 Pay online anytime—nib more checks,stamps or clutter. PLEASE PAY AT LEAST THIS AMOUNT Change your address online or on the back ©Moving?9 ®Help save the planet—Go paperless. #9018349289903173# ®Sign up at www.capitatone.com. NICOLE L NICKELLS 771 HAMILTON CT Capital One Bank .(USA), N•A- 'CARLISLE, PA 37023-1519 P.O. Box 71083 — II'I'111111111,11111'1'1'111111"II1I"1111'1111I1'IIIIII'III'I11 Charlotte, NC 26272-2083 uIIIII-I1h 11111'1 x1111111 -III 11"II'1-1Ih11"Illdld'hll Please make checks payable to Capital One Bank(USA),N.A.and mall with this coupon In the enclosed envelope. �I 1.H 01 pw fo Avoid a Finance Charge, °.Gras°Period.You welt have a hummum grece pedep of 3-ArrnUai Perwmage Rates(APR). 25 drays wdaoN finance charge on now pwoftwoo paw e.The term`Annual PgrceMege Rate'may appearm APR` 8.Ndloa About Oeotronk Check Conver�ton. balance nasies,new sPeaa purchases antl new on rho front of iTts statement Whon You prwiQe a ch¢d es payment,you aNi tte us `,her cherg°s Q you Pay yourtatatNew Saanw',in b.it the code P{quadety Prima).L g0uartedy L[BOR}.C edhd to use M1amMbn tram your check beta eretnt¢ pomrtlento wnh tho tmppnaM Ndiw tat payments fown¢ry CO).or 5(So Open Prime)appears on the front eiacironk fund trensfer from your`,epos`,awour to Mo..and in it.fa d b og atoddetl by Your payment Of m{s Statem¢M next to the pettadta(a at the Pedodi¢ Prows the Payment as a cn°ok fmn posit so W 10 use rive dare.That is ran grace per{pp an cash ativancas rotas and corresponding ANNUAL PERCENTAGE RATES Information from your'back 10 ma%a an electrourl and spa`,alfr ensfets.to addition,chore is no gmw ��h`gU°rtBaYend may inoreese arde'masab°s¢d hamster,funds may Oa withomwn rrom your`,epos`,euroouM De totl an any transaction d you tlo nd paY the fad on the sla eel indkea,as found to TTe Wap Si eel Jouma, as soon as the same pay we receive your payment.and you "New Balance.` Plus the margin previously dtsciosad to you.TTese will not roc.No your hack back from your financial b.Aocmrtrg finance tfitarge,Tmnsedions which ere riot changes 1°'il loo dfed{va on iha finy day d}roar ts7ting insidUi{am.Your aumodzaripn not iimdotl by the tlde on the subject to s grace period am nsessetl financa caarge f) pew covered by your Penotllc ahtameM ending In the chock,We may resuDmd and eladronkalry a`,!act resumed from iria rime d the pdisadan a 2)iron me Gale the me'"n,`,January,Apnt,Jury era Ocfaber. Payments, nersal is pr�We to your Account or 3}hom ma a.tt me code D{MOnmy Pame),F{MOnihy U$OR},ar G 9.sankNPtCy.If you am entitled to 'y prefect Prdedland for first Cal is day of wfrpM billing period.Atltlabnaly, tTreasuryU$oRy appeem on the from dyourdaemeM your�aount this aommunldenonbmryfat lMmmetlwal ayw tlW not Pay ihe'New Satanw'trom ins prevyus rrok to the periodic rata{s),the PerioQic rates and Purposes.d ta rid an anempt to totted,assessor recover o biling period In lull,finance charges continue to accrue to cc�Ph^ding ANNUAL PERCENTAGE RATES may very debt or`,afro.Do nc1 sore any Payments directly to eo Your unpaid batanw ud)Iihe unpaid balance is poid to mp^tnfy and may increase or dacne bashe an lha sfdep wdnoui spas%ing wdh your bankruptcy dtomey at the lull.This morns trim You may eltlt awe fmarKg charges, IrMiws,as found In The We Street Journal.Plus itro Bon WUPloy Coud,ti you want to dented us about your oven d you In the erdlra New Balance Intllcetatl on 1ho margin Prenfousty disclosed toy Th¢sa changes wni by aCCOUM or your bankruptcy prowedmg,pt0asa haw your nod orpaur stdameM by the Paymain Qua dais.all Cttl dlectwe an the l drily of your billing period earn month, ^tbrnsY contact us, not tlo so for the p,e IoUt month.Unpeitl finance charges 4.Asses. of Late,DvenimH and Returned,Peymam are added to the applicable segment d your Account. Fees.Linear the ferrrrs d yqurcusiomer a9reaI pa,we t$iLLItdG RIGHTS SUMMARY o.Minimum Flnanw charge.For¢rich M!Ilng period gnat °^r°ih°right b waive or not to assess any tees wphout (M Cese of Errors at Ovestions abort Your enp Your account is subject to a finence change,eminimum txiorndit'kafron to yav without waiving curright to essays n YOU think your alit is wrong,or d you wed mats Information on biaf FlNANC£CHARGE of E0.50 111 ba Imposed, the same or slmthr toes at a tatar i{me, a transaction a bill,wttta to us on a saparate shed as soon as d.Tempgmry Reduction In Flnonw Chorgas,We reserte 5.MembemMp Foe and Renewing Your Account.]to Posable d the address for inquires shown an ma iroM`,leis the'efgrif fa rid assess arty or all InSom allerges far any mambelahip tea appears err this statame d,we mom emdd tT¢ statement.Wa must near from you rq Inter then a0 days aner "'m-ding Period, tae d you inquest W'loco your account within 30 days of the MB sent you the fist bill on which the ertor a adlam a 2.Avenge Deny eamnw(Incbtlinp New Purehetos), mall mig of this atMenronl You may cordinuo to use ilia Yatr can tail our customer Relations number or nddy aM=d. Finance charge b '-..too by mulOpytng the dedy °Cc"M during the 30 Qay period adore your mgwst,nyou small a webide.ON tldng so w70 not prMatve Your rtgMS.In by Daiance or each segmgd d pour Woount(e.g.,cash d°°el paY all charges owed on this eCCWnI with In 90 days. Your iettaf.gNe us the following IMOrmahon:your name and aovarrca,putwaS&spapist I---t.and special UrGflaee Ordyap use yaurd¢dtl�nf atatCOtrM eder you fequoat to ewpuM numaes.fhadonar emounfdfiesus by the oatre:%Ing pally pamodlc rd P ) close,any membershlD fee Plevbus waWed ma be desatplian d the arot end an explanation,e d 11.10`,.o r.teen previously disclosed b you,Al the ant pf eaCb daay during mfnstatad to your a'wum. y y YOU ael78v8 there is ah srrot;or d plan hood more iblo.or why a the billing period,held the daily periodic rata toreach B.Closing or Suspending Yaut Account.You may mgwst description d me dam yw are unsure about.You do rid nave lo segment of Ywr account to1hedallybalanw l.aah ihM youracCOUM be civsetl by CPlling awr(ting our paY arty amormfin ovesibn wMie we are Imesoude ft.Otr1 sagrrrerd.Their at ins antl of the riding Pdiati,wo add up Cusksnrer RdatMns OePartmeM.At iTe time of yqur ragtresi you are s!{0 aW(gated to paY lire parts d your std that rho rid in the msuds d mesa Qafy wlculdiors roamve d your we w71 Provide You wdh add'dionel delalis 0n closing your nueatroo,WMie we imesligele your question,wo cannot report Partook finance chat for each segment.We°rip up the acwurn.This may irrotuQa payment information,ff you us¢ you as del fnquent or take any action to coifed me amount you mauhs from soon wgmeM to Saws M me Icut per bdk Yearned'`,card orcheges post to your account eel roe' ask question. tina1=11agefo ryouraccounLTogdihedalybd°nc°for uatocfose YOU`euoouni.we con keep YoUramo�MopOm or each segmremt d Your awaum,coo Miss the beginning rSaPen d.We may close orsusPenQ youraccount amp your t Special RWeta Credit Carp Purchases balonw fat ep'h segment and add any naw transactions right to obtain credit,We may do this at any rim°and for arty if you rive°prodam with the queldy d proDeny or aewiws and any pedadtc nrmnw aharga oabutatetl on tae prevlous mason,even a you era nd lo`,atonic A suspension m your that you Purof a wlfh a erect`,carp end you gave irletl in goad days balance for that segment.We;hen subtractonly adcourd ban bepermanent of temporary.Q your account is that to monad ma Probfem With the rmrchard you payments or IXedde posted as aithat day that are allocated ciasad W.Usp0^�You must step using your tract`,mom right rid to pay line remaining errpuM duo on me moY heva Ina to that segment This gives us hie se rare and adoouM.You must oho carved s0 Preaulnanzed WOtng services.You haw 1tn6 pmtadio, he,whan line pittance price aeon segment d your account.How¢vaat,n y yta o e far smangements to the account,we wnl not pis t o top ou.n was mate mnn E50,00 antl the y party or Nave BahnCa shown att our we dose an parmanemry ausPend y home state or vrdhtn t W moss d rohasa was mad°in out wee Y Pmvtaus sfafemsM in ran(or Q aso asst _ your account,yrou mast Yaur waning address.(n ors you,farsadionsbalance hk post» oua cretld amatm%now Pay an amwrd Mxsou owe on mo aaCOC M eve 8 awn ar operate tiro me n ors rneas'aityurchases era Y purchesaat epeClal must spot Y ativantsamanita the y pumme.Segments am trot added 2ottee tlaiy batamats.We trey-am charged after your account to closed or accent`,re9ardfess of amount at bCMbri of p calculate the average pay balance suspended, remember to sign alt eanaspargence, Wrohese.}Please bare mdas 1 OY adding an me tlaiy T,Muklrrg p°Ymema,Payments you mac{to us wta be ctedded the days In Iha'anent Mih{ t s ma m+mbet d b your a° -os d ih°iwsines°tle wa mca{w d, t DOW not e lamrse to ^9 oyale.7o caoulMa ce by Y PPry ro owfiesa exauds age.mudipy your average daily balance ay the pmNOOd{i)you semi the badom Poll d rob sfaaemam dally penotlb rare arnf by the number.,days in the blaing °^d Yaur check in the enclosed mmatIon OrMwiope and g) Cap0si one supports lMatmMlon hra Parted.Due to founding on A daffy bnsB or due to minimum SrourpaYpr°M is retched in our websde at www.wpdalme cent P �Pro2stsion_see our f{nfln'e charge assessment,mere p^'x°°fng confer by 3pm ET Cppda One ta a fadaml may ag a variance it2 noon Pt).Please at{owa2 feast fore{8}austhese days tat 7 regulated servtde mark d Capita one bdween this wtculaiipn and the amount of finance charge Postel`,INary.Yeyments rewivetl by us d enY Omar Ptnenctai corpmarido All`,gists reservep.O 2008 Cepdal Orre actually assessed. {ocd{on W in an omerform rimy not be credited as of the day wa tecaNe the m.h Our business days are Monday through Sd ,esetWi oiki a. - OiDM8058.1•03/28/08 Changing Address? Address. Not quite ready to make payments online? ............................_......„,............. ... No problem.Fallow these simple steps to make sure .......... we process your payments smoothly: Nome Phone................... • Don't sta )e or paper di P P p p your check to the payment slip. Alternate Phone.........„.................................... •Be sure to use the a .................................„.....,... � Payment envelope that came with your E-mail statement.Using a different envelope could`,eta Address...................„..... , y processing. ...........„ ...•_•.. • Please don't include any additional correspondence. Please print address or phone number changes above using blue or black ink •last but not least,be sure to write your 16-digit account number on your check. Stay on top of your account with 6=12 Capital One Online Banking. 71t save trees With Online Banking you can: ng up for paperless /Check your balance and monitor transactions online 24/7—you can nts—there is always even sort or group them months of statement /Schedule a payment when it works for you—in advance or on the vailable that you can day it's due t any time. ►Set up customizable account alerts so you know immediately when ust to certain transactions post and more... � gin to your and click the Customer service tab. Enroll today at www.capitalone.com Cawta- FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date $732.67 — $280.00 + $10:72 + $0.00 = $463.39 $18.00 Aug.26,2009 Jul.02,2009 —Aug.01,2009 Page 1 of 1 PLEASE PAT AT IE/ST 005 AMOUNT Mastercard Platinum Account Payments.Credits&Adlustments 520 1 10 JUL CAPITAL ONE ONLINE PYMT AuthOats 09-J UL S250.00- Your Account Information 2 25 JUL CAPITAL ONE ONLINE PYMT AuthDate 25-J UL S30.00- TOTAL CREDIT LINE $500.00 TOTAL AVAILABLE CREDIT $36.61' CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $36.61 Finance Charges(Please see reverse for important information) Balancerale Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $545.14 0.06342%D 23.1511. $10.72 Cash $0.00 0.06342%D 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23.15% O At Your Service-Gotovmw.cedtabnemm to manage your acouM• or Cal:1-800.9033637 to report a bsi or stolen card or speak to Custorrer Relations Pay Online at www.cmilebne.mm a mat your payment to: Ca0al One Bark(USA).NA•P.O.Boa 71083•Chertxte.NC M72-1083 ASend Inquiries to: Capital One*P.O.Bmc 30285•Sal Lake Oty UT 8.4100285 ® Have a question about a charge on your statement? Please refer Ie the Billing Rights Summary on the back of your stalem ent of visit www.caoitabne.com/disoules PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITAL6NE.COM TO MAKE YOUR PAYMENT ONLINE. Q� 520 Account Number. 6520 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today— Aug.26,2009 $463.39 $18.00 it's fast,easy and secure. 0 Pay online anytime—no more checks,stamps or cutter. PLEASE PAY AT LEAST THISAMOUNT Q Moving?Change your address online or on the back. ®Help save the planet—Go paperless. #90214,49289903176# ®Sign upatw .capitalone.com. NICOLE L NICKELLS 771 HAMILTON CT Capital One Bank (USA), N•A- CARLISLE, PA 17013-1519 P•o- Box 730 "'I'I'I'11111'11'Illl'1illll"11111111'Il"11111"I111111'Illlll Charlotte, Na C 28272-1063 ulllll'111in111'h'IIIPII"IIn1r'll'lilll'll"IIIIIIII'Inl Please make checks payable to Capital One Bank(USA),N.A.and mall with this coupon in the enclosed envelope. Join the millions of customers that are switching to paperless statements. ►You get up to 13 months of PDF statements online that you can view,save to your computer or print (if you need to) ► It's still the same statement online (you can use it just like your mailed statement) ►You'll receive an email message as soon as your statement posts to remind you to go online and pay your bill Log in to your account at www.capitalone.com, go to the Customer Service tab and sign up Ca �t�,"' for paperless statements today! p /IM d92 cif 1.Haw to Avoid a Fmm� Charge. 3.Annual Percentage Rates(APR). e.Grace Period.You will have a minmum grace penal of If.Notice About Electronic hock Conversion. 25 days wed, finance charge on new purchases.new a.The lertn"Annual Percentage Rata"may appear as"APR" When you provide a check as payment.you authorize us on the from ofthis statement. balance transfers,new special on and new either to use Information from your check to mete a one-time b.If the code P(DuarteAy Prime),L Prime)appears arson),C What charges gyou pay yourtotal"New Balance".In lectronic fund transfer from your deposgemouM Or to (OUaAsta CO).m t na t to the rd Prime)appears on the front accordance with the 7mpoAem Nonice Tor payments process the payment as a Check transaction,Wban we use below.and in time fa it to be oretliletl by your d this statement next to the periodic rete(a).the periodic payment rates and corresponding ANNUAL PERCENTAGE RATES information from your check to make an electronic land due date.There Is no grace period en cash advances may very quartarty and may increase or decrease Dried to star.funds may be withdrawn from you tleposd account and special transfers.In addition.there is no grace on the staled indices,as found In The Wall Street Joumal, wit soon as the same day we receive your Payment,and you E period on any transaction A you do not pay the tonal pus the margin previously disclosed to you.These will non receive your check back from your financial i) "New Balance." inslduticn.Your authorization is not limited bylhe dale on the changes will be enee ive on the first day of yourbilling D.Accruing Finance Charge.Trensadions which ere rid periodic overed by your paAodlc statement ending In the check We may resubmit and electronically collect returned subleet to a grace period are assessed finance charge l) months d wed b payments. January.April.July and October. from the data of the uansactton or 2)Trom the date the c.d the code D 9.Bankruptcy.11you ere entdletl to bankruptcy protections for transaction is processed to (Monthly Prime).F(Monthly LIBOR),or G your Account or 3)from the reasu LIBOR a your account.this cemmunicatlon is only lot informational first colander tlo d the current billing (T ry 7 appears on the i of rates emeM Y 9 pedal.ptevio sally, next 10 the periodic mte(s).the periodic rates and Purposes.It is not et attempt to coiled.payments assessor recover a tt you did rid pay the"New Baance°from the previous .-.pending ANNUAL PERCENTAGE RATES may very debt or claim.coo rid send any payments tlireonly to us billing period in Tull,finance charges continue to accrue to monthly and may increase or decrease Desetl on the stated wgbatn speaking wgh your bankrupt anomey a the your unpaid balance unit the unpaid balance is paid In indices.as found in The Wag Street Journal.plus the Sonfaupcy Court.If you want to corned vs about your tall,This means that you may still owe finance charges, account a your bankruptcy Proceeding.Dlease bave your even I you pay the wilue New..I.e.Indicated on the. margin Previously disclosed to you.These changes will h. attorney contact us. effective on the first day m your d Re urned each month. fret or your at 0 pr e i by the payment due dale,but rile q Assessment of Late,Overiimn end Returned Payment not do so for the previous month.Unpaid your charges Fees.Under the terms or your customer agreement.we In Case G RIGHTS SUMMARY are atltled loathe Charge. oTyour Account. (In Case of ErrorsaOuaslions about Your Bill) c.Minimum Finance Char e.For each billing reserve the right b waive or to assess any fees wither g g period that poor notaicetion to you without waiving our right to assess a you taint your bill is wrong,or n you need mite information n on your account is suDiect to a finance charge,a minimum the same w simflarfees at a Wartime. a transaction or DIII,write to us on a separate shoat as soon as total FINANCE CHARGE of¢0.50 will De Imposed. - possible at the address for inquiries shown on thefrot dthis d.Temporary .MemDerahlp Fee and Renewing Your Account.Ha mparary Reductlan In Finance Charges.We reserve membership(ee appears on this statement.we will wood the statement.We must wear from you no later then 80 days oiler the ngm 10 non assess any or all finance charges for any lee a you request to close your account within 30 days ofthe we Sent you the first bill on which the error or Problem appeared. gNen billing period. mailing of this statement.You may continue to use the You can call our Customer Relations number or notify us by 2.Average Delly Balence(Including New Purchases). account during the h day period before your request.If you small of website.but doing so will not preserve your rights.In Finance charge is calculated by multiplying the dally do rrot pay ell charges owed on this account with in 90 days, your letter.give us the fo lowing information:your name and balance of each segment d your account(e.g.,case or d you use your Wood as oremount aner you request 10 accoum number.the delta,wnwml of the suspected error,e advance,purchase.special transfer,and special purchase) dose.any membership fee previously waived may be tleswlpllon ot the aria end an explanation.If possible.of why by the corresponding daily periodic rates)that has been reinstated to your amount. you believe there is an error:or dyou need more information,a Previously disclosed to you.At the and of each day during 6.Closing or Suspending Your Account.You may request deswiption of the item you are unsure about.You do non have to the billing penod.we apply the daily periodic rate for each that your account be closed by calling or writing our pay any amount in question whtle we are investigating 11.but segment dyour account to the dally balance of each you are still obligated to pay the pads of your bill that are not in Customer Relations Department.At the time of your request. segment.Then at the end of the billing period,we atltl up we wit pnwitle you with additional details on dosing your question.While we investigate your question,we cannot report The results of these tlaiy calculations to arrive at your you as tle'inquem w take any action to tolled the amount you account.This may include payment information.If you use penotlic finance charge for each segment.We atltl u,the question. reruns from 9ad1 segment to arrive at the Total per to Yourcretlit call or charges post to your account edteryau ask us to close your account.we can keep your amount open or finance charge for your account.To get the daily balance for reopen N.We may cbse of your account and your t Special Rule fa Creed Card Purchases each segment d your account,we take the beginning If yon have a problem with the quaint,ot property or services balance for each segment and atltl any new transactions right to obtain cedA.We may tlo refs et any time and for any that you purchased with a credit card and you nave tiled In good and any reason.even If you are not in default.A suspension of your y penotlic finance chit ge calculated on the previous account can be permanent ortempotary.If your account Is faith to coned the problem with the merchant.yo,may have the day's balance for Iht segment.We than subtract any right rid to Prey the remaining amour due on the Property or It closed a suspended.you must slap using your wood card payments m credits pasted as of that tley that are allocated services.You have this protection only when the purchase price and amount.You must also cancel all of do Ih Is for billing to that segment This glues ill the separate daily balance for we ...or to the amount.We will rid tlo this for you.If was more than$50.00 and tae purchase was made in your each segment d your account.However.a you paid tae hone stale or thin 100 miles of your mailing address.(IT we we dose or permanently suspend your account,you must New Balance shown on your previous statement in full(or d also destroy all wedg cams and amount amass checks.Vou own a operate the merchant,or it we mailed you the your now balance was zero or a credo amount),new must still pay all amounts you owe us on the acoum.even g advertisement Tor the property or services,all purchases are transactions which post to your purchase or special I they were charged after your account is closed or covered regardless of amount o location of purchase.)Please purchase segments are not-d dad to the daily balances.We- suspended, remember to sign all correspondence. calculate the average daily balance by adding all the daily 7,Making Payments.Payments you malito us will be cretldad balances together and dividing the sum by the numbw" to your amount as of the business day we Melva d, t Do.not apply re business amounts the days in the current billing cycle.To calculate your tonal provided(1)you send the bottom portion of this statement nuance charge,multiply your average daily balance by the and yourcheck In the enclosed remittance envelope and 2 Plls One supports information prlverry Protection:see out a and by period.Due'torro rtl ng onha tley barsls days duetohminlmum your payment Is reoewetl In our processing cellar by 3pm ET Capnal One Its as federally registaretl service maw d Capnal One finance charge assessment.there may De a variants - Po noon aver Please ants rent least five(5)business days for Finarmiat Corporation.All rights reserved.m 2008 Capital One postal delivery.y other ens received t us re any other between this calculation and the amour Of finance charge location or In any other teen may rid be credited as of the actually assessed, day we Melva them.Our business days are Monday through Saturday,sxcludirg holidays. TC-Qa_—i OlOM6068.1-03/26108 Changing Address? Not quite ready to make payments online? Address........................................................................................... No problem.follow these simple steps to make sure ..................................................._...................._............... we process your payments smoothly: Home Phone„-,,,.- Don't staple or paper clip your check to the payment slip. •Be sure to use the payment envelope that came with our Alternate Phone..:..:......................... p Y P Y E-mail 06 statement.Using a different envelope could delay processing. Address.........................................._............................................... • Please don't include any additional correspondence. • Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black Ink. number on your check. Capital S0000e what's.in your wallet? It could happen to anyone. Make sure you pay the amount NICOLE L NICKELi_s 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 payment. , (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS(when you want to buy a home or new car) 0 2009 Capital One.Capital One is a federally registered serviee mark.All rights reserved. FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date L$463.39 — $0.00 + $9.37 +� $68.00 =$540.76 E $75.fl0 Sep.26 2009 Aug.02,2009 —Sep.01,2009 Page 1 of 1 �— --"\ PLEASE PAY AT LEAST?HIS AMOUNT MasterCard Platinum Account \`I You re behind by one payment.Remember that paying the minimum payment by the due date keeps your 520 account current.So make sure you send in the minimum payment to keep your account current. Your Account Information TOTAL CREDIT LINE $500.00 Payments,Credits&Adjustments TOTAL AVAILABLE CREDIT $0.00 Ttansactioris __ ___ CREDIT LINE FOR CASH $500.00 1 26 AUG PAST DUE FEE ^� $39.00 AVAILABLE CREDIT FOR CASH $0.00 2 01 SEP OVERLIMIT FEE SEP 01.2009 $29.00 Finance Charges(Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE - Your account has gone over its credit limit To avoid additional overlimil fees,you should pay more than Purchases $476.64 0.06342%D 23.15% $9.37 the Minimum Payment.Please pay enough to bring your account balance below your credit limit Cash $0.00 0.06342%D 23.15% $0.00 immediately,and make sure your account balance remains below your credit limit.Please be sure the -ANNUAL PERCENTAGE RATE applied this period: 23.151 amount you pay accounts for any future purchases,fees,and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date.To o At Your service•Gotonv aoilabne.com to manage your aocoura. avoid this fee in the future,we recommend that you allow at least 7 business days for your minimum or Cal:1.800-9033637lo report a bet or stolen card or speak to Customer payment to reach Capital One. Relations Pay Online of www.caoilabne.com a meilyour payment to: Capital One Bank(USA),NA.•P.O.Bea 71083•Charlotte,NC 28272-1083 ASend Inquiries to: Capital One-P.O.Box 30285•Sal Lake City,UT 84130.0285 .. ® 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.car)italone.com/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. --�� 6520 cam Account Number:X6520 Due—Dated New Balance �Minimum Payment Amount Enclosed GO GREEN. Sep.26,2009 I $540.76 1 $I 75.00 l ^--� SAVE GREEN! PLEASE PAY AT LEAST Pay Online and Save THiSAMOUNT money On stamps. Sign up at www.capitalone.com #90245492899031709 NICOLE L NI CKELLS 771 HAMILTON CT Capital One Bank (USA), N.A. CARLISLE, PA 17013-1519 P.O. Box 71083 11i III'I'11111111111111111'llllllll"1111""IIII'Il'I'1111'Illl' Charlotte, NC 28272-1083 nlllll'III"ulll'h'hlPll"111111"II'I'lll'li"III111d'Inl Please make checks payable to Capital One Bank(USA),N.A,and mail with this coupon in the enclosed envelope. DI 1.Now to Avoid a Finance Charge. 3.Annual Percentage Rates(APR). aGram Period.You will have a minim grace period of a.The term"Annuat Percentage Rata"may appear as'APR" e.Notice About Electronic Check Conversion. 25 days without finance charge on new paaoses,new on the from of this stalemeni. When you Provide a check as payment.You authorize us balance Vamiws,new special purchases and new D.It the code P(Quarterly Prime),L(Quarterly LIBOR),C ether to use imwmallon from your check to male a ona time other charges r you pay your total"Now Belance',in (Owdery CO).or S(Samaam Prime)appears on the from electronic fund transfer from your deposit account or to accordance with the Impodam Notice fa peymems of this statement next to the periodic rate(s).The periodic process the payment as a check transaction.When we use below•and in time for h to be coedited by your payment rates end comesDOndlrg ANNUAL PERCEMAGE RATES Information from your check to make an electronb fund tlue dale,There h no rate period w Cash advances hansfer,funds may De whhdtawn from your deposit account 9 may very quarterly and may Increase or decrease based as soon as the same dot wo receive and amcfallmnsters.In adtlftion,there is nograce w the stated Indices,as found In The Wall Street Journal, Y your payment.and you period on any tmmactlon tl you do not pay the total plus the margin previously disclosed to you.These will not twelve your check back from your financial „. 'New Balance.' cinangas will De effective w the first day ot Your Dillimg inslrution.Your authorization is not limited by the date on the ' D.Accruing Finance Charge.Transactions which are not period covered Dy your periodic statement ending In the week.We may resubmit aria eleefrwicely collect returned subject to a grace period are assessed finance charge 1) months of January.April,July and October. 9.Bankruptcy.If you am emitted 10 benkrupicy protectims for from the tale of the transaction a 2)ft=me tale the c.h the code O(Monthly Prime).F(Monthly U8OR),or G vampclion is processed to your Account a 3)from the Your account this communication is wN for tniwmaliwal first calendar dot of the mrient billing period.Adcfliwal (Treasury LIBOR)appears on line rrwa of purposes,n Is not an miem s to collect.stets or recover a Y tit Da N• wed lo the ing AN UAL P,ins PERCENTAGE lo rajas and r you die no pflythe'New 8harges iromthe previous corresponding ANNUAL PERCENTAGE RATES may vary debt ut claim.Do with send any aymenat directly,I us billing period In full,finance charges mmioue to accrue to monthly end may Increase or decrease based w The stated whheulspeaking with yarn want 10rupicy attorney athe your unpaid balance until the unpaid alance is paid In Indices,as found in The Wag Street Journal,plus the BwWlrpoy Court.If you want to ooalact va about vow full.This means that you may still owe finance ohatges. margin previously disclosed to you,These changes will be account w your bankruptcy proceeding,please have your even h you pay the entire New Balance Indicated on the effective w the first day of your billing period Bath month. altonrey contact us. - Lora or your stmemam by the payment due data,but did 4. of late.Ovedimll and Rmurned Payment ' not do so for the previous month.Unpaid fiance charges Fees.Under the to ns or your customer agmernert.we in Co. RIGHTS r 0-sli SUMMARY ale added to the applicable segment of your Account. mar"the right to wave or not to assess any fees without it Cese of Erma ll OWrong.s about Veer Biro c,Mininum Finance Charge.For each billing period that a you taint yon bill is wrong,s h you need more t amoon w your account Is subject to a Imams ohwge,aminimum Prior mom sinnayou at welme.ourrlgMloassess alremieMt a bill.vmaerIq we seperalest1e61as soon as total FINANCE CHARGE of$0.50 will be 1 the same hi Fee tees e•later lime. -to al the—the for Imposed. � S.Membership Fea and Renewing Your Account.tt o Pm Inquiries shown w the Trwl of this d.Temporary Reduction In Finance Charges.We reserve members MD fee appears on this statement.we will cmod One we Mal-to son,nt.We must hear fran you rot letot inert lib days after Ole dght to rat assess any w all finance charges for any fee if you request to close your account whhln 30 of oT Imo we sent you the first bill w which the error a Problem appeared. given ailing period, mailing of IMa statement.You may continue lo use the Vou can cell our Cuslo-r Relations m mbw of rrolhy Us by 2.Average Deily Balance 0-finfing New Purchases). account during the 30 day period before your request,tt you email a weD6ha.Out doing so will rant preserve your fights.In Finance charge Is oaicutated by m illplying the daily do not pay ell einargos owed on this eeeounl with In 90 Days, your letter.give us the following imamation:your name and balance of sea segment a your account(e.g..cash d h you use your anew am or ammm aver you request 90 dato account number.line dollar amount ot me suspected error.a advance,purchase,special transfer,and special purchase) close,any membership fee previously waved may,be description of the erta and w explanation.h possible.of why by Me corresponding dairy periodic totals)that has been Ielnataled to your atoouni. you believe Irmo Is an error,or r you freed more Information.e previously disclosed to you.At me and of each day during e.Closing or Suspending Your Account You may request description of me Item you are wsure about.You ou rid have to the billing period,we apply the dairy periodic tale for each that your account be closed by ailing or w cling our pay eery amount in question while we are irwestigaling r,but segment of your account to the dairy balance of each Customer Relotloas Deparimem.At Ina time of yar request you are 61111 oaigaled to pay the pads of your bill Met arc not In segment.Than al the end of the billing period,we add up we el provide you with additional details on closing your question.Biqa era r take My your question.we amrol repro the results m mass daffy aloulaliws 10 arrive 01 your account.This may Include payment Infomnallon.If you use You as delinquent a tale any ecllon to mlleot the enna,nt you periodic finance charge for earn segment.We add up the your credit cam or charges post to your account after you ask question. resuna from each segment lo arrive of the total periodic us to curse your account we an keep your amount open or finance charga for your account.To gal the dairy balance for reopen r.We may close w Impend your account and your t Special e a problem em Credit wi Card quality of each segment of your account.we takelhe beginning M to obtain cmd'd.We do I"at an lime and fora O you have a problem with the deity of Property or services balance for each segment and add any new bareactlom reason,even It you are not In default A suspension of your inert You Duroinosetl with a creak card and you he"tried In good and any periodic finance change calculated w the previous account an be permanent or tam re h your amounl is fern to coned the problem web me mincham.you may have the ry' fro right not to pay the remaining amount due on the property or days Delano for that segment.We Noasuaract any closed or suspended,you must slop using youraed'ri am services.You have this protection only when the purchase price payments or credits posted as of that day final are allocated and amount.You must also cancel all prwuthodzed bMIng was more then$50.00 and the purchase was made In your to that segment This gives m the separate dally balance for arrangements to the amount.We will not do this for you,h each se merit dt our account.However,a ou paid the Kane state or the stc mhos rI your ailed address.Ot ere 9 Y Y we destroy eel crash permanently cards a yourBmWm.c ks. New Balance shown w your previous statement in Tull(a d also destroy all aeon ems and amount amass cMtks.You own a operate the a Props t o h of cased you the your new balance was zero a a credit omamt),new muat alhl pay all amounts you owe us on the account.even if ativeriBemwt fa the ProDOriY a aerWeos.all Durottesos era transactions.which post to your purchase or spacial they were charged aweryouf account is cased a Coverch regwwess of amaum a location of Pu(chase.)Please purchase segmards are not edited tothe dairy balances.We suspended. remember to sign all mmespondence. calculate the average dairy balance by adding all the dally y_Making Payments.Payments you mall to us twin be credited balances logerthei and dividing the sum by ins number ot to your aomum es o11he businwo day we motive r, t Does not apply m business antitumor the days In the current billing cycle.To cacumle your total provided(1)you send the bottom portion of this statement finance charge.multiply your average dairy balance by the and yourcheck in the enclosed mmhtance an""and Q) Capitol One supports information privacy Protection:see our daily periodic vale and by 1t.number of days in the billing your payment Is rmevnd In our Prooasaing Amer by 3pm ET websre of www.aoltatone morn period.Due to rounding on a dally basis or due to minimum (12 noon PT)Please allow al least five(5)business days for CoPflal One is o ation.federally ri gMeretl service man of Capital One finance charge assessment there may be a variance postal delivery.Payments received by us al any other Financial Corporation.All rights raservatl.02008 Gepnel One between this calculation and the amloum of liana charge 'Icoaliw or in any other form may not be credited as of the actually assessed. day we receive In—.Our business days am Monday through Saturday.excluding holidays. 01OM6056-1-03126108 Changing Address? Not quite ready to make payments online? Address............................................................................_............. No problem. Follow these simple steps to make sure ......................................_......................._......,....._......... we process your payments smoothly: Home Phone...,••,.,,,.,,.. Q Don't staple or paper clip your check to the payment slip. Alternate Phone........._......_ . •Be sure to use the payment envelope that came with your E-mail �� statement.Using a different envelope could delay processing. Address.................__...........................................................:...... • Please don't include any additional correspondence. •Last but not least,be sure to write your 16-digit account Please pir nt address or phone number changes above using blue or black Ink number on your check. 500009 c'ap; - LET'S TALK — WE'RE HERE TO HELP. what's In your wallet? Sometimes unexpected expenses keep you from making your credit card NICOLE L NICKELLS payments.We understand,At Capital Ones we're here to help you keep your credit on track. Give us a call, YOU'RE BEHIND BY 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. A • If you have Internet access, you can make a payment securely online by logging on to vwwv.capitalone.com. ©2009 Capital One.Capital One it a federally registered service mark.AU right,reserved. FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date $54076 — $0.00 * $10.53 J+j $68.90 = $619.29 L $133.00 0 1 I O .26,2008 Sep.02,2009 —Oct.01,2009 Page 1 of 1 / -� PLEASE PAY AT(EAST THIS AM PUNT ( W Maste and Platinum Account You're behind by two payments.Lers talk.If you re having financial difficulties and can't make your 520 minimum payment-Nye want to help.Let's work together to find a solution. Your Account Information Payments,Credits&Adjustments TOTAL CREDIT LINE $500.00 TOTAL AVAILABLE CREDIT $0.00 Transactions CREDIT LINE FOR CASH $500.00 1 26 SEP PAST DUE FEE $39.00 AVAILABLE CREDIT FOR CASH $0.00 2 Ot OCT OVERLIMIT FEE OCT 01;2009 $290 Finance Charges(Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Your account has gone over its credit limit To avoid additional ovedimit fees,you should pay more than Purchases $553.57 0.06342%D 23.15% $10.53 the Minimum Payment.Please pay enough to bring your account balance below your credit limit Cash $0.00 0.06342%D 23.15% $0.00 immediately,and make sure your account balance remains below your credit limit.Please be sure the ANNUAL PERCENTAGE RATE applied this period: 29.15% amount you pay accounts for arty future purchases,fees,and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date.To O ww At Your Service•Go tow .csOabwne. m to menageyour accoura, avoid this fee in the future:we recommend that you allow at least 7 business days for your minimum or Cal:14808903-3637 to report a bst or stolen card or speak to Customer payment to reach Capital One. Rebllons ® Pay Online al wxw.ceoilebne.mm a melyvur payment lo: Capilal One Bank(USA).NA.•P.O.Box 71083•Charlo te,NC 28272-1083 ASend Inquiries lo: Capital One-P.O.Box 30285'Sal Lake City,UT 841380285 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 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 520 Account Number: 520 Due Date New Balance Minimum Payment mount BE SAFE (Oct.26,2009 $619.29 $133.00 Your trash could bean identity thief's . gold.Manage your account online PLEASE PAY AT LEAST and end the paper trail. THIS AMOUNT Sign up at www.capitalone,com #9027549289903177# NICOLE L NICKELLS 771 HAMILTON CT Capital One Bank (USA), N•A- CARLISLE, PA 17013-1519 P.O. Box 71083 Illlhlllllllllrlllllllllllllll'rrlllllrrllrl'Illllll'Illll'Ill)' Charlotte, NC 28272-1083 nlllllrinr'nld'4'lllh�l"Ilnlr'll'I'lll'll"Illdld'Inl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. out of 1.How to Avoid a Finance Charge. 3.Annual Percentage Rates(APR). 8.13 Goo Period.You will have a minimum grace pedal of a.The lean"Annual Pementage Rafe"may appear es'APR' 6.Notice About Electronic Check Conversion. 25 days without finance charge w new purchases.new on the front of this statement. When you provide a check as payment,you authorize us balance transfers,new special purchases and new b.If the code P(OUartemy Prime).L(Ouarlemy LIBOR),C either to use Information from your check to make a one•lime other charges 6 you pay your total"New Balance".In eledmnic fund transfer from your depool amount a to aommance with the Important Nolice fa payments (Ouadedy CC),or S(S^nkcard Prime)appeals on the from Orman the payment as a check transadion.When we use below.and M time e I d for to t Nolim by your orris payment of this statement next to the periodic toots).the periodic Informed-item your check to make an electronic fund oue dale,There Is no race perlotl on cash advances rates and mrrasponding ANNUAL PERCENTAGE RATES may your pos amount 9 prey vary quarl and may Increase or decrease based transfer.forth be we re n fray ur tle it and special transfers.In addition.there h no grew, on the staled Indices,as found In The Wall Street Journal. ss soon as the same day we receive your payment.snot you p9mcl on any Immadion 6 you do not pay the total plus the margin previously disclosed to you.These will not receive your check back from your financial 'New Balance' changes will be e6edive on the firsl day Of your billing Institution.Your authorization is not limited by the date on the b.Accruing Finance Charge.Transedions which are not chwK We may resubmit end electronically collecl returned subjed to a grave pedal are assessed finance charge 1) period months by your pedoy a statement ending In fine payments from the We d the transaction a 2)from the datelho months d January.April,Jury and October. 9.Bankruptcy,ft you are entitled 1.bankruptcy protections for frare0ction h processed to your Account a 3)fron the c.6 the mote C(Monthly Prime).F(Monthly LIBOR).or G your account,lhh communication h ony/a imormational ihst calontlen tle dine arteot 01111 period. (Treasury LIBOR)appears on the front d your statement Y a9 Y next to the periodic rde(s).the periodic rates and Purposes,h h not an attempt to allied.assess or recover a If you did not pay the*Now Balance"from the previous correspoding ANNUAL PERCENTAGE RATES may vary debt a claim.rD�o not send any payments nts directly us aftinvoy billing period in full.finance charges cmllme to accrue to mmmty end may Inceas0 or decn6ase based m the stated without speak) with our bankruptcy the your unpaid bamme umllthe unpaid balance h paid in indices,as found in Tire Wan Sired Journal.plus the account wy Count.ll you cy pro monad u1 about your full.This means that you may dill owe finance charges, margin previousy disclosed to you.These changes will be account a your badwpiry gometlhg.please maw your even If you pay the entire New Balance Indicated on the - attorney coded us. boon of our ddement b the effective t Late.day of and epaned yment month. y v payment due date.auf did t,Asaessmam d Late,o.emmn and Returned vaymerrl not do so for me previous month.Unpaid frrome charges Fees.Underline terms d your customer agreement,we TWILLING RIGHTS SUMMARY we added to the applicable segment or your Account. met"the right to wales or not to assess any fees without (In Case d Errors a Ouestims about Your Bap c.Minimum Finance Charge.For each billing period that pnor notr icdicn to you without waiving our right to assess It you think yea bill is wrong,or it you freed more Information on your 6omunt is subject to a finance charge,a minimum the some or SIMRW fees at a later lime. a transaction or bill.ware to us on a$operate shed as soon as total FINANCE CHARGE of$0.60 will be Imposed. S.Membership Fee and Renewing Your Account.If a possible al the address for Inquiries shown on the from of this d.Temporary Reduction In Finance Charges.We met" membership fee appears on leis Statement,we wig cnttldfhe statement.We must hear from you no later than 80 days after me right to not assess any a all finance charges for any fee If you request to close your amount within 30 days of the we seal you the first loron which the num er or usDeflratl. given billing Perim, trading of this statement.You may continue to use the You men Dell our Customer Relations number or noltty us by 2.Average Daily Balance(including New Purchases). account duff ine 30 de ,mod before email a webslfe,but doing so will not Deserve your rights.In rl9 y D your request.6 you our Inter,give us the follmft Information:your name and Finance charge h calculated by multiplying the dally do not pay an charges owed on this account with in 90 days. amount numost ine dollar amount d the Suspected err..a balance of aeon segment d card account(e.g..cash or 6 you use your credit td or account after you request to advance,purchase.spedal lmnsfer.and special purchase) dose.any membership tee previously waived may be desciptlon of the error and an explanation.6 possible.of wiry by the corresponding daft'periodic ram(s)Ihd has been teln$tated to your account you believe there is an error.or 6 you need more Information.a previously disclosed to you.At the end of earn day during 6.Closing or Suspending Your Account.You may 7q 1 pay any and the Gem you em while we about.You tI not have to the billing period,wo apply the daily periodic rate for each that your amount be closed by coning or writing our pry'arty amount in question t hge n are our bill m ft.ON segment of your acmud to the dally balance of each Cu$romer Relations Department.At the time of your request. you ere still obligated to pay the pan$d your bill Ihd em not In segment.Than of the and of the billing Period,we add up we will provide yon wily edd6iorrel deleih on dosing your question.While we Investigate your question,we carrot report the results d mesa dairy calculations to arrive d you accoud,This may Include payment information.If you use You as delinquent a take any action to tolled the amount you periodic finance charge for each segment.We add upihe your credit cam or charges post to your amovil atoryou ask question' results from each segment M aalve at the total petodlo us to close your account we can keep your account open or finance charge for your amount.To got the dairy balance for reopen d.We may close or suspend your account and your t Special Rule Credit Card Purchases each segment of your account.wo take the beginning m to obtain credit.We m do this at an time and fate Ii you have a problem with the quality d properly or services balance for even segment and add any new transadials meson,even 6 you are not In default.A suspension or your that you purchased with a credit card and you have tried in good and any periodic finance charge calculated on the previous aCNynt Can De permanent meneM ortampontry.6 your account N faith to coned the problem with the memhom.you may have the day's balance for that segment.We than subtract any dosed or Suspended,you must stop using your cma6 wed right not to pay the remaining amount tlu,on ma properly a payments or cre06s posled es of that day that are allocated services.You have this protection only when the pumbase price to that segment This Eves us the separate dal balance for and amount.You must also cancel an preauthorized billing was more than$50.00 and the purchase was made in your each segment d your account.However.tt you Dab the arrangements to the account.We will not do this for yon.a y g 9 Yo we close or permanently suspend your amount you must hams da crate t merchants d our malnn address.(If we New Balance shown on your previous statement in full(a tt 0130 destroy ell wredfl wards and amount amass check$.YOU own o opeent the merchant a 6 we maned yon the your new balance was zero a a credit amount).now 'must.1111 pay an amounts you owe us on the account,even 6 covered regardless le s o properly a a cation.sit purchases are to mseell...which post 10 your purchase a special they went charged after your account Is closed a covered regardless of amount a Imatlon of pumtreseJ Please purchase sag Morris ere not added to the dally to lances.We suspended. romern0w to sign all correspondence. calculate the awrage dally balance by adding all the dally. 7,Making Payments.Payments you mall to us win be credited balances logether and dividing the sum by the number of to your wmunt 0 of the business day we receive 6. t Does of apply to business emoum. the days In the current billing cycle.To calculate your total provided(1)you send the bodom portion or this:late rtrent finance charge.muftlply your average daily batame by the and your check In the enclosed ram6t^nce envelope end(2) CeDltel One supports Infamatice privet'poledice:sea our dally periodic rote and by iha number of days Kate billing your payment Is received in our processing center by 3pm ET webelm at Yprat carlt-ton,Own period.Oueto rounotng on a Daly Oasis or tlueto minimum (12 nom PT).Please albw et least five(5}business day$for Cap0e1 One Is a fedwty registered service mark d Caplial One finance charge assessment from may be a variance postal delivery.Payments received by m d any omit Flnenchl Corporation.All nights reserved.O20fJ8 Cepdal One between this calculi ion and ine emoum of finenm charge Imdion or In any outer form may not be credited es or the actually assessed. day wit Melva them.Our business days am Monday through Saturday.exciuding'holidays. -0 01 OM6056.1-03/26/06 Changing Address? Not quite ready to make payments online? Address:..........................................................................._............. No problem.Follow these simple steps to make sure ................_.........................................I......._...._......... we process your payments smoothly- Home Phone........................................... Don't staple or paper clip your check to the payment slip. Alternate Phone........._........................................._...................._............... � •Be sure to use the payment envelope that came with your E-mail P statement.Using a different envelope could delay processing. Address................................................................_................ • Please don't include any additional correspondence. •Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black ink number on your check. MAKE A PAYMENT. AND TAKE CONTROL s1G Caqpmi1a _ OF YOUR CREDIT WITH CAPITAL ONE? what's In your wallet? Your account is temporarily unusable.The good news is, by paying the NICOLE L NICKELLS amount due on your statement, you can still bring your account into good standing. YOU'RE BEHIND BY 3 Let's work together to bring your account back to good standing. PAVMENTS : You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ©2009 Capital One.Capital One it a federally registered service mark.All rights rerermed FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date r $619.29 $0.00 +x$12.89 * $68.00 $700.18 $195.00 Nov.27,2009 LT-�� L._ =Cam _ ---- Oct.02,2009 —Nov.02,2009 Page 1 of 1 PLEASE PAY AT tEASi THIS AMOUNT MasterCard Platinum Account l You're behind by three payments.But you can bring your account current by paying the minimum 520 I payment amount on your slalement.If you're having financial difficulties and you're feeling overwhelmed- Your Account Information we want to help.Give one of our associates a cal:at 1.800.955.6600.You'd be surprised what we can do together to work this out TOTAL CREDIT LINE $500.00 TOTAL AVAILABLE CREDIT $0.00 Payments,Credits&Adjustments _- CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH $0.00 Transactions \\ 1 26 OCT PAST DUE FEE $39.00 2 02 NOV OVERLI MIT FEE NOV 02,2009 $29.00 Finance Charges(Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR, CHARGE Purchases $635.18 0.06342%D 2115% $12.89 Cash S0.00 0.06342%D 23.15% $0.00 Your account has gone over its credit limit To avoid additional overlimit fees,you should pay more than ANNUAL PERCENTAGE RATE applied this period: 23.15% the Minimum Payment.Please pay enough to bring your account balance below your credit limit immediately;and make sure your account balance remains below your credit limit.Please be sure the At Your Service•Goto .caoitebne.00m to manage your account, amount you pay accounts for any future purchases,fees,and finance charges. Q www or Cat"1 A00-903-3637 to report a lost or stobn card or speak to Customer You were assessed a past duo tae because your minimum payment was not received by the due date.To Relations avoid this fee in the future,we recommend that you allow at least 7 business days for your minimum 0 Pay Online etwww.cm4abnenomm mail your payment to: payment to reach Capital One. Capital One Bank(USA).HA-P.O.Box 71083•Charlotte.NC 28272-1083 ASend Inquiries to: Capital One-P.O.Bmk 30285•Sall Lake Oty,lR 841300285 Have a question about a charge on your statement? Please refer to the Billing Rights Summary an the back of your statement or visit www.capitalone.com/dis;)utes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 520 C: p Account Number: 6520 Due Date New Balance /M'ini�mum Pa men closed GO PAPERLESS! Nov. 2009 $700A 8 I —_ ` $195.!) The trees will thank you. PLEASE PAY AT LEAST THIS AMOUNT Sign up at www.cap'ttalone.com #9030749289903178# NICOLE L NICKELLS 771 HAMILTON CT Capital One Bank (USA), N.A. CARLISLE, PA 17013-1519 P.O. Box 73083 Charlotte, NC 28272-3083 I,rIILIIIII,InIrl,Ilrrlllllrlll,IJII,IIr,I,IIIJIII'Illlllllll ulllllrlu,ruldrhrhllllh�Ilnll^Il�f�lll�ll��llldld�lnl Please make checks payable to Capital One Bank(USA),N.A.and mall with this coupon in the enclosed envelope. Out m 11.How to Avoid a Finance Charge. 3.Annual Percentage Rates(APR). a.Gmce Period.You will have a minimum grace period of a.The term"Annual Pecenage Rte"may appear as"APR" S.Notice About Electronic Check Cc 25 25 days wilhoul finance charge n new purchases,new When you provide a checK as payment.you authorize us n the troll of this sttement. balance tensions,new special purchases entl new either to use hdormatln from your checK to maKe a one-lime b.It the code P(Oualedy Prime).L(Quarterly LIBOR).C posit account or to the,charges If you pay your total"New Balance".in electronic fund transfer from your de (OU is statement a CO).m or S t 10 the Periodic Prime)appears on the 1rn1 accordance with lea Important Notice it payments process the payment as fl checKake an lac When we use below.and In time it R to be credited b our payment ta es and next to the L P raCEN the E RATES information from your check to make n electronic fund YY rates and mrreerly and ANNUAL PERCENTAGE RATES transfer,funds m tiva date.There is no grace period on cash advances may may be withdrawn from your tlepasR eccouM y vary quarterly entl may Increase or decrease based and special transfers.In add Rich.there h no grace will soon as the same tley b receive your payment,ntl you pl the staled indices,as round In The Well.Street Th.Journal, peliotl on any transaction lt you do ltd pay the fret plus the margin previously disclosed to you.These will ltd receive your check Dick irrn your financial "New Balance." institution.Your eufiolzatin is ltd limited by he the on the changes will be y your Periodic he nrst day t your billing b.Accruing Finance Charge.7rensediore which ere rx9 period covered by your periodic statement ending In the crack.We may resubmit and electronically collet returned sublet to a grace period are assessed finance charge 1) months of January,April,July and October. Payments, from the date t the transaction or 2)from the the the c.If the code 0 9.Bankruptcy.If you are entitled to bankruptcy protections for (Monthly Prime),FeMonthly UBORa erne Iransectin rs processed to your Account or 3)krn the your account.this communication is only for informational (Treasury UBOR)appears on the front i t your statement first calendar day of the curent billing patlotl.Atltlltinelly. next to the periodic rale(s),the periodic rates and purposes.h is not an attempt to collet.assess or recover a „you did not pay the"New Balance"from the previous debt or claim.Do not send any payments directly to us billing period in Tull,finance charges continue to amme to corresponding ANNUAL PERCENTAGE RATES may vary wilhoul speaking with your bankruptcy attorney or the ninthly and may increase or decrease based n the stated Bankruptcy your unpaid balance until the unpaid balance is paid in indices,es found in The Well Street JO met.plus the Y our b.n you wall to comet us about h e y lull.This means that you may still owe finance charges. margin previously disclosed to you,These changes will be account or your bankruptcy proceeding.please have your even R you pay The entire New Balance indicated on the homey collet us. effective On the first day of your billing Perin each ninth. from tyour sttement by the payment due dale,but did q.Assessment of Late.Overlimit and Returned Peymem not do so for the previous month.Unpaid finance charges Fees.Under the terms of your customer agreement.we iB1LLING RIGHTS SUMMARY are added 10 the applicable segment t your Account. (In Case of Errors r cueslions about Your Bill) reserve the right to wave prod 10 assess any fees without c.Minimum Finance Charge.For each billing period that If you think your bill is wring,or if you need rare intimation on you I S the same�or s mnar fees at laterl ma,nr right to assess a transaction r DIII.write to us on a s { your account is sub act to a finance charge.a minimum separate shat as son es ti total FINANCE CHARGE of$0.50 will be Imposed, S.Membership Fee and Renewing Your Account.It a possible t the address for inquiries shown on the front of this d.Temporary Reduction In Finance Charges.We reserve membership ee a statement.We must hear from you no later than 60 days alter P appears on this mount wit we w01 credit the rive sent o Pr pp tea 1gh110 not assess any r all fin nce charges for any fee R you request to close your eccouM within 30 days of the Y u the first DIII n welch the number Problem appealed. gNen Dllling period. you can cell our Customs Relations number or ntRy,us by mailing un o1 this statement.You may continue to use the small r webslte,but tloin 2.Average belly Balance(including New Purchases). g so will not preserve your rlgMS.In account during the 30 tley period Dtore your request.If you Finance charge Is calculated by multiplying the dally What your untr.glue us teeollar am information:your name entl balance of cansegment of our account e.g..cash Day ell charges owed on this account with in g0 days. amount number,the rifler amount t he suspected ens,a Y ( rite,any emb credit cap re iously amount after you request l0 advance,purchase.speclaliranster.ell special purchase) close,any membership fee previously waived may be tlesaiptin t he error and an explanation,If possible.of why i by the corresponding daily periodic rtes)Iht has been you believe there is an error or it you need more information.a reinslaled to youramouM. previously disclosed 10 you.At the-dot can day during 6.Closing or Suspending Your Account.You may request paspiption of the Rem you are unsure about.You do not have to the billing period,we apply Ile daily periodic rate for each In.your account be closed by calling r wilting of Pay any amount in question while we are Investigating R,but i segment of your account to the dally balance of each you are still obligated to pay the palls t your Dill that are not in Customer Relations Department.At the lime of your request. segment.Th ant The ntl of the billing period,we atltl u9 we will provide you with additinal delails on closing your question.While we investigate your questl on.we cannol report the results t these daily cztcutttons to solve at your you as delinquent r take my action to tolled the amount you eccouM.This may include payment iMOnation.if you use periodic finance charge for each segment.We add up The yourcratld cap or charges past to youraccounl after you ask goen11O0' results from each segment 10 emve t the total Parodic us to close your account.we can keep your amount open or finance charge for your em 10 of To gat the daily balance for reopen it.We may clas s or suspend your account and your t Special Rule it Cfetllt Cep Puroneses each segment of your account,we take the beginning right to obtain credit.We may do this at any time and for any n you have a problem yntn he quality t property or services balance for each segment and atltl any new transactions reason,even R yon are ntl In default,A suspension o1 your that you purchased with a credit cap and you have tded In good and any periodic finance charge calculated on the previous account can be peon=rtemporary.h your account is faith to cchecl the proDtem with he merchant.you may nave the day's balance for that segment.We tnn subtract any right not to pay the remaining emouM due on the property or dosed or suspended,you must stop using your cap toe that segment.This gives as ha separate tl ty Datance for and amount.You must also cant all preauthorized bllllog was more han$50.100 and the Purchase was made in your Price each segment t your account.However.R you Dale the arrangements to the account.We will not do this Tr you.If home state or within 100 miles t your mailing address.(If we we close or permanently suspend your account.you must own r operate the merchant.or ltwe mailed New Balance shown n your previous statemem in full(or R also destroy all credit caps and smourd amass checks.You you the i your new balance was zero or a credit amount),new must still pay all amounts you owe us on the account,even h ativerisemnl iw the Property or services.all puchases are frensations.which pot to your purchase or special They were charged after your account is Clasen r covered regardless of amount r location of purchase.,Please purchase segments are not added to the daily balances.We suspended. remember to sign all mnesporpence. calculate the average daily balance by adding all the daily 7.McKing Payments.Payments you mail to us will be credited balances together and dividing tea sum by he number d to youracmunt as afire business day we receive d, t Ibex at apply to business emcrinrs the days in the current billing cycle.To calculate your l let provided(T)you send the bottom portion of this statemem finance charge,multiply your average daily balance by the and your neck to the enclosed remlttance envelope and ) Capital One supports infrmatin privacy protection:see our daily period.Duelbrrournding oo a deity bests oe due in tohm minimum Your payment is received In our processing Orion,by 3pm ET Cap„aeOn0 Is a--almorecom service mark t capital One finance chrge assessment.there may be a valance Postal noon PT).Please allowec Int eve(5)t any is days it Financial Corporation.All rights reserved.rib 20D6 Capital One postal tlali in a Payments received by us re any other Dtwen this calculation and the emouM of finance charge lootin win any other form may not be credited as of inn actually assessed. day we receive them.Our business days are Monday through Saturday,excluding holidays. T-08 Ol DM6056-1.03126/06 Changing Address? Not quite ready to make payments online? Address........................................................................................... No problem. Follow these simple steps to make sure ........................................................................_............... we process your payments smoothly: Home Phone,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,................................. Q Don't staple or paper clip your check to the payment slip- ................... Alternate Phone.................. •Be sure to use the payment envelope that came with your E-mail statement.Using a different envelope could delay processing. Address........................................................................................... ` • Please don't include any additional correspondence. e Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black Ink number on your check. 500011 TAKE CONTROL OF YOUR CAPITAL ONE® Capital ACCOUNT AND KEEP IT FROM BEING what's In your wallet? PERMANENTLY UNUSABLE. NICOLE L NICKELLS We're here to help.You can regain your charging privileges and bring YOU'RE BEHIND BY 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. j 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 rigbls reten+ed. FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date $700.18 — $0.00 *$.12 +( $3 09 0= $752.30 $ Dec.26,2009 Nov.03,2009 —Dec.01,2009 Page 1 of 1 -" --- PLEASE PAY AT LEAST THIS AMOUNT MasterCard Platinum Account You're behind by four payments.But you can still bring your account current by paying the minimum 520 payment amount on your statement.Need help?Give us a call at 1,800.955.6600,Well work together to Your Account Information end a solution. TOTAL CREDIT LINE $500.00 Payments,Credits&Adlustments TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $500.00 Transactions AVAILABLE CREDIT FOR CASH $0.00 1 27 NOV PAST DUE FEE $39.00 Finance Charges(Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Your account has gone over its credit limit.To avid additional ovedimit fees,you should pay more than Purchases $713.16 0.06342%D 23,15% $13.12 the Minimum Payment.Please pay enough to bring your account balance below your credit limit Cash $0.00 0.06342%D 23.151/, $0.00 immediately,and make sure your account balance remains below your credit limit.Please be sure the ANNUAL PERCENTAGE RATE applied this period: 23.15% amount you pay accounts for any future purchases,fees,and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date.To QAt Your Service-Go towww.cadtebne.com to manage your mcourm, avoid this fee in the future,we recommend that you allows[least 7 business days for your minimum or Cal:1-800.903.3637 to repod a lost or stolen card or speak to Customer payment to reach Capital One, Relalions Pary Online at www.cmilabne.com a mat your payment to: Capital One Bank(USA),N.A.•P.O.Box 71083•Charlotte,HC 28272-1083 ASend Inquiries to: Capdal One,P.O.Box 30285•Sat Lake City.U<84130.0285 ® 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. 520 GW_ Account Number:�520 ORGANIZATION Due Date New Balance Minimum Payment Amount Enclosed l MADE EASY. Dec,26,2009` $752.30 $21 57.00 f C_ forget the filing. PLEASE PAYAT LEAST Manage your account online THISAMOUNT and simplify your life. Sign up at www.capitalone.com 09033649289903177# NICOLE L NICKELLS 771 HAMILTON CT Capital One Bank (USA), N-A• CARLISLE, PA 17013-1519 P.O: Box 71083 1 I I I II I I I II. I I I I I Charlotte, NC 28272-1083 Irrnrl IIII 1 rrrr rll 111111 111 I 1 r Hill Irl II i Illllllrlflrrnfdlrlllhllrrllllllllrllllrlllllllhllnl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. 001 01 1,How to Avoid a Finance Charge. 3.Annual Percentage Rotes(APR). B,Notice About Electronic Check Conversion. 8.0mbe Period.You Will have a minimum grace period of a.The term"Annual Percentage Rate`may appear as`APR" When provide a check as payment:You authorize us 25 days without finance charge on new purchases.new on the from you D of this statement. Y balance transfers.new special purchases and new b.If the code P(Oueriary Prime).L(Ouartariy LIBOR),C either to use uttamalion from your check to make a onetime other charges If you pay your lotal'New Balance',in lectronic fund transfer from your deposit ewoum or to s000rdance with the Impodam Nalbe fa payments (ou I3 sta CO).CD)or next WIN periodic appears on thefrom process the payment o a check tmnsacllon.When we use dss ndcnemonditothepUAL P RCENthe periodic information from ur check to make an elecbonic fund below,and in lime fa lt to De credited cy your advances mays end certeerly and ANNUAL PERCENTAGE RATES may and spec.There is Iro grace p.lds a eIsn advances may vary quarterly Indi end may increase or decrease be500 hander.funds may Deny withdrawn t from your deposit account and special transfers.In etld%ion,there is no grace on the stated Indices.as found in The wall Street Journal as soon w the same des we back from your payment.and you period on arty traasaction N you do no(pay the total will not recahe your ehxN Dxx from your financial 'New Balance' sus the margin previously disclosed to you.These Ifsidution,Your authorization Is not limited by the date on the D.Accruing Flnence Charge.Transactions rmbn are not changes will be effective on the first tlay d your hi01ng check We may resuanft and electionicatly collect returned period covered by your periodic statement ending In the merits. subject to a grace Period are assessed finance Marge 1) months d January,April,July and October. B.payments. If you am entitled 10 bankruptcy from the dam d the transaction a 2)from the data the c.N the code O(Monthly Prime).F(MOrdhly LIBOR).or G prdeclions for Ianswiton is pfoomsed to your Account a 3)from The (Treasury UBOR)appears on the front ot yourstatement your account this communication Is Only fa Imamallonal. first commar day d the wmant Dining period.Additionally. m d to the periodic rele(s).the periodic rates and purposes,i .not en send a to payments flssasa or recover a %you did not pay IN'Now Belanca'from the previous cares debt a elekn.Do rid send any payments dnecity to us billing period in fu%.finance charges cominuelo awme to corresponding ANNUAL PERCENTAGE RATES they vary Without speaking with your bankruptcy attorney ache 9 monthly and may increase a decrease based on the sleled Banlru Y Y your unpaid balance until the unpaid balance is paid In Indices,w focal in The Wail S1reM Joumal plus the toy our b.tt you wane to contact please about our full.This means that you may dill owe finance ch.gw. account a your bankruptcy procaatling.Dlaese have your margin a on t asty disclosed to you.These changes will De atro,,,ey contao us. even tl you pay 1118 entire New Balance IMbmetl on the effective on the first day of your billing period each month. from of your statement by the payment due data.but did q.Assessment of Late.OwdimN and Returned Payment not do so for late previous month.Unpaid finance charges Fees.Underlhe terms d yourcudomer agree merd.we (I Ca NolEmors SUMMARY ere added to the applicable segment d your Account. reserve The right to waive or not to assess any fees without (In Case d Errors o Ouesticns about Your 8110 c.Minimum Finance Charge.For each Wring period that prior notification toy-Without waiving outright I....a 1 you think your bill Is Wrong,or N you mod more intammion on your account is subject to a finance charge.a minimum the same a similar fees at a later lime. a transaction or bill,write 10 us on a separate shoot as soon as total FINANCE CHARGE of$D.60 will be imposed. S.MemDOrsMp Fea and Renewing Your Acceunt.tt a possible at the address to Inquiries shown on the from of this d.Temporary Reduction In Flnence Charges.We reserve membership fee appears on This slammert,we cant credit the statement.We must bill on which you do later then bl days alter the dght to not assess any a all finance charges fa any fee N you request to close your account within 30 deye of tna We sent you the first DIII on whits Ina error a problem eppearad, given billing period. maODg dinis slatemcnL Y-may continue ro use the Y-can call our Customer Relations number or rally us by 2.Average Oalfy Balance(Inctuding New PUrchIMUS). account during the 30 day period before your request.if you smell a websNe,but doing so will not preserve you rights.e an In Finance charge is calculated by multiplying the dally rip rid pay fill Ctgrge3 owed On this 0w-nT Wtth In go days, your hirer,give u6 the following Information:your name and balance ofeach segment d your account(e.g..cash or%you use your credit card or awoum oiler you request to aceoum number,late dollar amount d the suspected era,e advance,purchase,special transfer.and special pumas a) dose,any membersnlD fee previously waited raps be description d the ens and an explanation,N possible.of Why by the corresponding daily periodic ram(s)NO has been Mnsialea to your account. you Ddtion mere Is you a on If you ratio more ido not he a previously disclosed to you.AT the ant of each day during 6.Closing of Suspending Your Account.You may request descriptor of 010 question y-ere unsure about.You ti rid have to the billing period.we apply the daily periodic rate for each that your account be closed by calling awriting our Day arty amount a question while We are our bill find mnot segment of your acwum to the daily balance a aeon Customer Relations Department.At the lime of our r you ere dill hale we to pay the pars quest you Din that are rid rt segment.Then at the end WIN billing ported.we add uD Y eWasL question.WMIe nt r take my your optima we cer amount report the results of these dairy cal-Iations to anlve at your we cant provide you atld'AIa1p1 details on closing your you as delinquent a take arty eotbn ro adios the amount y- xwunt.This may Include payment Intortnation.tt you use Periodic finance Marge for each segment.Weeds uDlhe your credit cam of charges past to your account after you ask question. results from each segment to arrive at the total perlorib us to close your account we can keep your account open or fih finance m erg re)lot our account. ccouL von gel the daily balance Tor reopen ft.We may cios0 a sus pond your acc-nl and your If yoQehevl RVta problem wilhetllrd e queers d properly or services balance each segment and add a new hmsaa�tiers Mots to obtain f you re may do this at any lime and fa any that you purchased with a credit cam and you have tried in good g uY' reason,even N you are ref in default.A wspemlon of your faith to caned the problem with the merchant,you may have the and any pariadbfinance charge calculated on the previous acwum can be permanent oftemporary.N your"count is day's balance la that segment.We than subtext any dosed a suspended.you must slop using your red%cam sled not to pay the remaining amount we en the property a psymems of reds posted W of that day that are allocated and awoum.You must also cancel all preaulhorized boring services.You have this protection oily when the.1.Y ,prise to that segment This gives us the separate dally balance for arrangements To the ewoum.We will not do this fay-.tt was mac then$50.00 and fate purchase cam mottle In your each segment d your account.However.tl you paid the we dose or perrtranemty suspentl you!ecc-fit you rtnM, home ante a within 100 miles d your mailing address.in We New$91anoa shown on your previous statement in full(or N also destroy an credit cards and caw-m access checks.You own a operate the merchant a N er=tied You Ore your new balance was zero a a credit amount).new must dill pay an amounts you owe us on the account,even N advertisertrent fa the properly a services.all purchases.e transactions.which post 10 your purchase or special Trey were Merged ever your acwum is dosed« �'erho regardless of amount a Wall-of purormse.)Please purchase segments are not added to the daily balances.We suspended remember to sign all correspondence.calculate the enrage daily balance by adding all the dklty 7,Making Payment,Payments you mall to us will be credited balances together and dividing the cum by the number d to your account as of the business day we mceNe N, 1 Does not empty lo business awouma The days In the Current billing cycle.To calculate your lael provided(1)you send the bottom portion of this statement finaxe Marge,mufti"your average dally balance by the eon your check In the enclosed mmittance envelope and(2) Capital One suppers larm onion privacy protection:see our tlaity periodic rate and by the number of days in the billing your payment is received in our processing cam.M 3pm ET Capital e1 a is fed%alone.cem period.Due to r-ndirg on a tlaity basis or duelo minimum (12 noon PT).Please allow at lead five 5 business days for Capital One is o federally ri g is ms service mac dCeal O one finance charge assessment them may be a variance postal delivery.Payments received by us at any othafey Finerolal Capaation.All rights reserved,02008 CaDNeI One between this calculation and the amount offinance charge bcelion or In any olherforth may not be credited as WIN actually assessed. day we main 1nem.Our business days am Monday through Saturday.excluding bolidays, .()B 01OM6056•1•lymos r Changing Address? Not quite ready to make payments online? Address........................................................................................... No problem.Follow these simple steps to make sure .................................................................................... we process your payments smoothly: Home Phone.............................. Q Don't staple or paper clip your check to the payment slip. Alternate Phone........._........_. •Be sure to use the payment envelope that came with your . ................_................................................ E-mail �� statement.Using a different envelope could delay processing. Address....................:................................................................ - Please don't include any additional correspondence. •Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black Ink number on your check. 500012 `ap what's�' In your wallet] IT'S STILL NOT TOO LATE. NICOLE L NICKELLS Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! YOU'RE BEHIND BY 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. 02009 Capital One.Capital Orre is a federally registered service mark.All rights m'erned. FINANCE Previous Balance Payments&Credits CHARGE Transactions New Balance Minimum Payment Due Date r $752.30 1— $ 00 0 +x$19.21 �i $68.00 $839.51 i' $326.00 Feb.03,2010 Dec.02,2009 —Jan.09,2010 Page 1 of 1 _'-'-"-"-'------'-'� PEEASE PAY AT:WTHISAMOUNT MasterCard Platinum Account You're behind by five payments.If you continue to miss payments your account is at risk of being charged 520 off.Please dodl let this happen.If you ie feeling overwhelmed,call us M 1.800.955.6600.We'll workwith Your Account Information you to resolve this matter. TOTAL CREDIT LINE $500.00 'Renewal Notice-See both sides of the first page of this statement for important renewal information TOTAL AVAILABLE CREDIT $0.00 related to your account. CREDIT LINE FOR CASH $500.00 AVAILABLE CREDIT FOR CASH payments,Credits&Adjustments $0:00 -- -- Transactions -- 1 26 DEC PAST DUE FEE — $39.00 Finance Charges(Please see reverse for important information) 2 09 JAN OVERLIMIT FEE JAN 09,2010 $29.00 Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $776.50 0.06342%0 23.15% $19.21 Cash $0.00 0.06342%D 23.15% $0.00 ANNUAL PERCENTAGE RATE applied this period: 23.15% Your account has gone over its credit limit To avoid additional ovedimit fees,you should pay more than the Minimum Payment.Please pay enough to bring your account balance below your credit limit 6–T.1 At Your Service-Go to www.ceutebne.corn to menage your axourd, immediately,and make sure your account balance remains below your credit limit.Please be sure the or Cal: Og033637 to report a last or stolen card or speak to Customer amount you pay accounts for any future purchases,fees,and finance charges. Religions You were assessed a past due fee because your minimum payment was not received by the due date.To ® Pay Online al www.c®itebne.cum a melyvur payment to: avoid this fee in the future,we recommend that you allow at least 7 business days for your minimum Capital One Bank(USA),N.A.•P.O.Box 71083-Charione,NC payment l0 reach Capital One. 28272-1083 ASend Inquiries to: Capital One-P.O.Box 30285•Sal Lake City,UT 841300285 ® 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.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 520 CRW W_ Account Number: 6520 Due Date New Balance Minimum Payment Amount Enclosed PAPERLESS $32s,00 STATEMENTS Feb.03,2010 $839.51 -- %�=�� Stop wafting for the mailman. PLEASE PAY AT LEAST View up to 13 months THISAMOUNT Of statements anytime-online. Sign up at www.capitalone.com #9001049289903178# NICOLE L NICKELLS 771 HAMILTON CT - Capital One Bank (USA), N.A. CARLISLE, PA 17013-1519 P.O. Box 71083 IIIII'I1111I11'IIII11'III"II"'11111"'III'II'111'IIIIIIIIIIIIII Charlotte, NC 28272-1083 nlllll'III"nld'Irlllpnr'llnlr'll'I'lll'll"IIIIIIII'hll Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. out 09 1.Now to Avoid a Finance Charge. 3,Annual Percentage Rotes(APR). a.Gmm Period.You will have a minimum grace period of a.The tern"Annual Percentage Rate"may appear as"APR" S.Notice About Oedronle Check Conversion. 25 days without finance charge on new purchases,new on the from of Ibis sleteucenl. When you provide a check as Payment,you authorize us balance aansfers,new special purchases and new b.d1he code P(Oua teriy Prime).L(Oumeay USOR).C :Aber to me information Iran your Check to make a one-lime other charges If you pay your total"New Balance'.In electronic fund treader Iran your deposit account or to accordance with me important Notice for PaymeMS (f this Sly erne or S(to the periodic Prime)npDears On me from process the payment as a check transaction.When we use below,and In time fa A to be credited D our a ment ot es not c mom next to the UAL P re CEN tiro pea0dfa information from your check to make an electronic tuna due dais.There Is no race period ah crib advances may and correarly and ANNUAL PERCENTAGE RATES %, your deposit eaoum e may vary querie end 1rarMar,funds m De withdrawn Iran and special transfers.In addition,there Is no rase riY may increase or aecreeet based as Soon as the same day we receive your payment.and you 9 ce fns stated Indices.as foufhd In The Wall Street Joumtl. will not receive your check back from 'N—ce any transaction tt you do not pay the idol plus the margin previously disclosed to you.These Ira Your financial 'New Balance.' changes will be effective on the first day of your Dining chek institution.Your fesub authorization a not limited by the tlet uon the D.Aebruing Finance Charge.Transactions which are not period cowred by your periodic statement ending In the check We may resubmit and electronically eonect retumetl wtgedto a grace period are assessed finance charge 1) months of January.April.July and October. payments. Iran the date d the transaction a 2)iron me dale the c.0the code 0(Monthly Prime),F(Monthly U80R),or G g.eanlwptcy.Or you ere entitled 10 bankruptcy protedlahs for transaction Is processed to you Account a 3)from the (Treasury LIBOR)appears on The Iran d yourslmemeM your account this communication Is Only for Informational first calendar day u m0 artem billing period.Addnicnaly. red is the ISOR Wells).the pef rom rates aria purposes.n Is not an attempt to school.assess a recover a e you did not pay the"Now Salance'Rom the previous corresponding to the Periodic ANNUAL PERCENTAGE RATES may very debt a claim,Do not send any payments directly to us billing period in full,finance charges continue to amore to monthly and may increase or decrease based an The stated eark.ptcyc rg.if YOU bankruptcy conryattombya toe your unpaid balance until the unpaid balance Is paid In Indices,as found in The Wall Sit"Journal.plus the accou or court.if you wvnl to correct us about your full.This means that you may Still owe finance charges, margin previously disclosed 10 you.Tease changes won be ecmunt a your bankruptcy proceeding,please have your even it you Day the entire New Balance Indicated oh the effective on The first day of your billing period each month. chDrt1ey contact us. ban of your by the payment dub dale,but did q Assessment of Late.Oveaime and Returned Payment not do so lot the previous month.Unpaid finance charges Fees.Underlhe terms of your customer agreement,we tBILLING RIGHTS SUMMARY are added to the applicable segment of your Account. reserve the right to waive or hot to assess any fees without (n Case of Efras or Ouesllons about Your BITg c.Minimum Finance Charge.For each billing period IhM prior notification to you without waiving our right to assess If you think your bill Is wrong,or 11 you Treed more information an your account is subject to a fin awe charge.a minimum the same or similar fees at a later time. a transaction or bill wale to us on a separate sheet as sent as total FINANCE CHARGE of$0.50 will be Imposed. possftbM al the address for Inquiries Shown on me front dohis 6,Membership Fee and Renewing Your Account.If a sl mewl.We must bear from 0.Tempot to et mses n in Finance Charges.es reserve membership tee appears on fhb statement.we won cmdd the you no later men 60 days after me right Is rid essen any o 911 finance charges for any fee if you request to close your account within 30days of the YOU scan you the find boll Customer which The number er problem us by appeared. given billing period. mailing of Ibis Statement YOU may continue to use the Yon can wall our Cut doing So 11 nooumber or noddy us oy 2.Average Deny Balance(Including New Purchases). account dud the 30 de smell a we i ee.loth dung so will not preserve your a an In Finance charge b cetculated by mullipying me dal rig Y period before your regcesl.ttyou your lamer.give us the a amount the suspected:your Bane aria balance of each segment of your account(e.g..cash dO rid pay ell ohages owes on alb eccounl w-m qu eats. eccaum on OfSth the dollar and arnounf ot 1h0.Of era,e advance,purchase,special lranslet.ands art y.a y momb orede'Gerd,or account aAer you request to description u me era and an explanation.a possible.Of why penal purchase) close.ted 0 your a co reviously waived may ch by the CmespOntlirig dally periodic rale(e)mat Des been you believe lee Is an error:or a you nand more Imamation.e revlous disclosed to you.Al the end of each day durin reinstated or Suspending nding Y dworfption of me Rem you ate unsure about.You do not have to p N Y Y 9 8.Casing a count be closed Your Account.Vail may request the billing period,we apply the dally periodic rate for each that your account ch closetl by cnlihig or writing Our pay any amount In question whin we are ImastlgMin9 d.Dill segment of your account to the dairy balanca d each Customer Relalfo s Depadmem.At me time of your request, you are still obligated to pay the pads d your bill Ind are not m segment.Than er The etch of the billing period.we add u0 we will Drcvde you wait additional details on casing your question.While we investigate your question,we cannot report the twuns of these dally calulallohs to arrive at yew You as delinquent a take eat action to coiled floe amount you Periodic finance charge for each Segment.We add up the your cm This hargepayment your account ffyou use question your trade card or chants post to your account after you ask results from men segment to nt.salve To a1 the total yalan mtocl ac count rs Conkeepyouraccount Open Of finance h segmment of you accoount account. take The beginning a91ence for reopen A,we may clove m suspend your y lams and your g you Special Rule oor meawith ne Purchases oaf properly or Services balance for own segment and btl any'new trace eclions right to oven trade.re may de this at any Time and for y arty that you purchased with a credit card and you have tried In good end an periodic finance the meson,evenepe are an Intarapo trsusperrac of your y pe rge oslcutntetl on the previous account Can ea permanent aterthporery.A your account is faith to correct me problem with me merchant.you may nave the day's balance to that segment.We man subtract any cased orsaspended,you must stop using yourcredit cam right not 10 flay the remaining mount due on the property a payments Or cedes posted as of that day Into are allocalbd and axoud.You must also cancel all preaumatzed billing services.You have this protection only when the purchase pram to that segment This gives Us the seParcle dally balance for artngemenb to the account.we will not do Ibis foryou.n was more then$50.00 and the puronase was made In your each segenl d your account.However.d you pad the we dose or hone slate our within too arias d you mailing address.(A we permarrently suspend your account.you must own a operate the merchant.a Awe mtllea You the New Balance Shawn on you previous Statement In full(Old also destroy all credit cards and account access checks.YOU propariy a swMcos.en purchases are your new balance was zero a a credit amount).new must age pay art nmoume you owe us on the recount,even a advertisement to one 'transactions.which post 10 your purchase p special they wale charged alter your account is cased or Covered fegwdlws of Mount a location of purchase.)Plows purchase segments are not added to the dally balaivew.We suspended remember to sign all conespondence. calculate the average tlafy balance by adding n11 the dally T.Making Payments.Paymama you mail to us win be credited balances logemer and dividing the sum by me number d to your account as of the business day we receive d. t Lees not apply a business amounts the days In the curets billing cycle.To calculate your total provided(1)you send the bell=portion of VS Statement finance charge.multiply your average tlafy balance by the and your check in the encased rsmdtance envelope end(2) MbSK One supports fnfomoice privacy protodice:sea our dally Due to tale and on the e daily bests of Wen the minimum your payment Is received In our processing coda by 3pm ET Capital One's e fed erect service mark d Capital One {12 noon PT).Please Show at least five(5)bolbws drys fa aial mint.All thence charge assessment mere may be a variance postal delivery.Payments received by us at any other orpor rights reserved.02008 Capital One between this calculation and me amount of firumm charge location or in arty other forth may sal be credited as of the equally assessed. day we receive them.Our business days are Monday through Saturday,excluding holidays. TG 01OM6056.1.03126108 Changing Address? Not quite ready to make payments online? Address..................._......................................................._............. No problem.Follow these simple steps to make sure .............................._............................................... we process your payments smoothly: Home Phone................ Q Don't staple or paper clip your check to the payment slip. Alternate Phone............................. •Be sure to use the payment envelope that came with your E-mail statement.Using a different envelope could delay processing. Address............................................................._........._.._......... • Please don't include any additional correspondence. •Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black ink. number on your check. 200725 • NICOLE L NICKELLS important information about your account Enclosed is a revised Customer Agreement. Please keep this new document for your records as it replaces your previous Customer Agreement as of February 22, 2010. Capita; At Capital One,®we are committed to providing you with honest and open communications regarding your account with us.Over the past year,there have been many regulatory changes that have impacted the credit card industry and our customers. We are enclosing a copy of your new Customer Agreement which contains important updates related to the terms of your account. Many of these changes are the result of the Credit Card Act of 2009 and recent changes to the Truth in Lending Act. Please read the entire document carefully so you'll fully understand your rights and responsibilities as a cardholder.As you read, please pay particular attention to the following sections, as they have changed since the last time you received your Customer Agreement; • Interest Charges and Fees • Mailed Payments • How We Apply Your Payments • Communications • Changes to Your Agreement Thank you for choosing Capital One.We appreciate having you as a valued customer and look forward to serving you for many years to come. i Have questions about how all the new laws and legislation ? affect you and your credit card account? Find answers in our easy-to-read "Guide to the Credit Card Act" at capitalone.com/financialeducation Please send questions or concerns related to the enclosed Agreement to: Capital One Bank(USA),N.A. P.O. Box 30285 Salt Lake City,UT 84130-0285 We cannot process your payment if mailed to this address. Our federal banking regulator is the Office of the Comptroller of the Currency. Capita/ m 2010 Capital One.Capital One is a federally regixered service mark.All rights reserved 500013 -� IT'S TIME TO TAKE CONTROL OF GapitaO QT at's in your wallet? YOUR DEBT. WE'RE HERE TO HELP. wh NICOLE L NICKELLS 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? YOU'RE BEHIND BY Please contact us to find a solution that's right for you. • You can make a payment with our free check by phone service i 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. 40 2009(:apical One.Capird One is of daaLy�registered sm4ce mark.All rights reserved Page 1 of 2 1-800-903-3637 www.eapitalone.colrl Jan.10�Feb.09,2010 31 Days in Billing Cyde LATE PAYMENT WARNING:4 we do not receive your minimum payment by your due date, I MASTERCARD PLATINUM XXXX-XXXX-XXXX-6520 you may have to paya$39.00 Ile fee and your APRs may be increased up to the Penalty i APR of 23.15%. NEW BALANCE MINIMUM PAYMENT DUE DATE $924.35 $394.00 Mar 06,2010 PUASF.PAYAT MOST THISAMOURT j1 Credit limit:5500.00 Cash Credit Limit:$500.00 1 Available Credit: --_—_— Available Credit for Cash:SO.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance €� III 5839,51 — _4000 } — 484.84 I + 40.00 = 492435 You're behind by six payments.If we charge off your account due to late or missed J payments,finance charges will continue to accrue.Act now to prevent this from happening.Please pay the minimum payment amount on your statement or give us Help i s Available. a call at 1.800.955.6600.We're here to help.Take control of your credit with Capital One. TRANSACTIONS I Just pick up the phone. PAYMENTS,CREDITS&ADJUSTMENTS FOR NICOLE L NICKELLS#6520 I Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. I FEES 1 03 FEB PAST DUE FEE 539.00 2 09 FEB OVERUMIT FEE FEB 09,2010 $29.00 _--.—..._. Total Fees This Period- $68.00 Total Fees This Year 4136.00 INTEREST CHARGE CALCULATION INTEREST CHARGED Your Annual Percentage Rate(APR)is the annual interest rate on your account. INTEREST CHARGE:PURCHASES 516.84 Annual Percentage Balance Subject to Type of Balance Total Interest This Period 516.84 Rate(APR) Interest Rate Interest Charge Total Interest This Year 536.05 Purchases I 23.15%D I 5856.36 416.84 Cash 23.15%D $0.00 50.00 Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 520 Account Number: 520 Due Date New Balance Minimum dosed —� r----. Take advantage.Take control. —Mar 06,zolo � 1924.3 1394.00 Manage your account online PLEASE PAYAT LEAST at www.capftalone.com THIS AMOUNT •Make payments Review account information Manage your account in privacy NICOLE L NICKELLS 771 HAMILTON CT. CARLISLE, PA 17013-1519 Capital. One Bank_(USA), N•A- IIIIIII'I"'IIIIIIIIIII"IIIII'11dIIIIIIIIIII'I'I.... IIIIII Ch arIotte71NC328272-1083 nlllll'III"uld'4'IIIP11"IInII"II'1'lll'll^Ilhlld'hll Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. WI 09 How can 1 avold paying Interest Charges T Each month you pay your•New Balance'in full, Mailed payments received by us at any other location or in any other form may not be credited you will have a minimum grace period of 25 days with no interest charge on all new 1) as of the day we receive them. purchases,2)balance transfers,3)special purchases and 4)other charges.N you have been Do you Process Paper Checks as an Electronic funds Transfer?when you provide a chKk as paying your account In full with no Interest charges applied and you do not pay your next bill Paygnem,you authorize us and our agents either to use Information from your check to makes in toll,prorated interest charges will be assessed.There is no grace period on cash advances, one-time electronic fund transfer from your deposit account or to process the payment as a special transfers,oron any new transaction when there Is an unpaid balance from a previous check transaction.When muse Information from your check to make an electronic fund ben• transfer,funds may be withdrawn from ry your deposit account as soon as the same day we How Is the Interest Charge applied?interest charges accrue from the 1)date of the receive your payment and you will not make your check back from your financial institution. transaction,2)date the transaction Is processed or 3)first calendar day of the billing period. Your authorization Is not limited by the date on the check.We may resubmit and electronically Interest charges accrue on every unpaid amount until It is paid in full.This means you may owe collect the returned payments. interest charges even N you pay the entire'New Balance one month,but did not do spier the what if I file for Bankrupt M H you are entitled to bankruptcy protection,this previous month.Unpaid Interest charges are added to the proper segment of your Account, communication Isfor information only,It Is not an attempt to collect,assessor recover a debt However,we reserve the right to not assess interest charges at any time. or claim.Do not send us payments without speaking with your bankruptcy attorney or the DO you assess a Minimum Interest Charge?Yes.A minimum INTEREST CHARGE of 50.50will Bankruptcy Court.if you or your anorneywould like to contact our bankruptcy claims servker be assessed for each billing period your account Is object to an Interest charge. directly,please contact:Capital One•PO Box 85167•Richmond,VA 2 328 5-51 67 slow did you Calculate the Interest Chama7 Thera arc several calculations that arc used to BILLING RIGHTS SUMMARY(Does Not Apply to Small Business Accounts) determlrie your total interest charge.1.To get your Dally Balance:For each segment,1)take What To Do If You Think You Find A Mistake On Your Statement N you think there is an the beginning balance and add in new transactions and the periodic interest charge on the error on your statement,write to us at: previous day's balance.2)subtract any payments andaedits for that segment as of that day. Capital One The result is the daily balance for each segment.However,H you paid your previous month's P.O.Box 30285 balance In full(or H your balance was zero or a credit amount),new transactions which post to Salt Lake City,UT 84130-0285 your purchase or spatial purchase segments arc not added to the daily belarces.Alm, In your letter,give us the following Information: transactions that arc subject to a grace period are not added to the daily balances.2.To find .Account Herniation:Your name and account number. your Average Daly Balance:1)add the daily balances together and 2)divide the sum by the .Dollar amount:The dollar amount of the suspected error. number of drys in the billing cycle.3.Estimate your Total Interest Charge:1)multiply your .Description of Problem:If you think there is an error on your bill,describe what you believe Is average daily balance by the dally periodic rate and 2)multiply the moo by the numberof days wrong and why you belleve,it Is a mistake.You must contact us within 60 days after the error In the billing period.NOTE:Due to rounding or a minimum interest charge,this calculation may appeared on your statement.You must notify us of any potential errors In writing.You may vary from the Interest charge actually assessed. all us or notify us by webshe,but N you do we arc not required to Investigate any potential How can sty variable Annual Percentage Rate(A40 change7 Your APR may Increase or errors and you may have to pay the amount in question.While we investigate whether or not decrease based on one of seven standard Indices reported In The Wall street Journal.To find there has been an error,the following arc true: which index Is used for your account,look for a code(P,L,C,5,O or F)on the front of(hit -We cannot try to collect the amount In question,or report you as delinquent on that amount. statement next to the APR(s),Then check the table below: -You do not need to pay any disputed amounts and related interest charges or fees until we Code next to your When your Annual send you a notice about the outcome of our Investigation. Annual Percentage Index which your rates are based on Percentage Rata 'The charge In question may remain on your statement,and we may continue to charge you Rate(APR) MII change interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any Interest or other tees related to that amount. P Cu2dwly Prime+margin previously disclosed to you The flirt day of the -While you do not have to pay the amount in question,you arc responsible for the remainder L Quarterly LBOR+margin previously disclosed to you bang periods that of your balance. C Ous twly CO+margin previously disclosed to you end in January.Aptil. .We can apply any unpaid amount agalnst your credit limit. S Bankcard Prime+margin previously disclosed to you July and October. Your Tights N You Are Dissatisfied With Your Credit Card Purchases.N you are dissatisfied 0 Monthly Prime+margin previously disclosed to you The first day or each with the goods Or services that you have purchased with your credit card,and you have tried In F Monthly LIBOR+margin previously disclosed to you monthly billing good faith to correct the problem with the merchant,you may have the right not to pay the G Treasury LIBOR+magin prevously disclosed b you period. remaining amount due on the purchase.To use this right,all of the following must be true:1. The purchase must have been made in your home state or within 100 miles of your current Are there Additional Fees associated with sty account?Yet,under certain circumstances, mailing address,and the purchase price must have been more than$50.(Note:Neither of these you may be anessed a Late or Returned Payment Fee.You may also be assessed overimit fees N are necessary H your purchase was based on an advertisement we mailed to you,or H we own you have chosen to accept them.We reserve the right to not assets fees without prior notice the company that sold you the goods or services.)2.You must have used your credit card for and without weaving our right to assets a similar fee later. the purchase.Purchases made with cash advances from an ATM or with a check that accesses How can 1 Close My Accourrt 7 You may close your account by caging or wrilhsg our Customer your credit card account do not qualify.3.You must not yet have fully paid for the purchase.If Relations Department.At that time,we"provide additional details Including payment all of the criteria above are met and you are still dissatisfied with the purchase,contact us In information.H you use your credit card or charges post to your account after you ask us to wiling at: close n,we can keep your Account open. Capital One what happens H my Account Is suspended T we may close or suspend your account and P.O.ale 30285 your right to obtain credit at any time and for any reason,even N you are not in default. Seth Lake Qry, at the set 5 Account suspemion an be permanent or temporary.H your account b closed or suspended While we Investigate,Investigation,Me same Met apply to the disputed amount as discussed above.Aster you must 1)stop using your credit card and account,2)once]ail automatic payments,3) we finish our you do of pa we will y r you our as de(n.At that point,N we think you owe an destroy erg credit cards and access checks,and 4)pay ail amounts you owe us,even H they were amount end you do not pay we may report you as deiinquent. charged after the account was closed or suspended. Capital One supports information privacy protection:see our website at www.apitalone.com How do I Make Payments?Payments you mail to us will be credited to your account as of the Capital one Is a federally registered service mark of Capital One Financial Corporation.All rights business day we receive it,as long as.1)you send the bottom portion of this statement and reserved 0 2010 Capital One your check in the enclosed remittance envelope,and 2)your payment is received In one of our processing centers by Spin local time.Plea"arm at last(7)business days for mail delivery. TC-08 01/30/10 Changing Address? Not quite ready to make payments online? Address..........................._.............................................................. No problem. Follow these simple steps to make sure .........................._........................................................... we process your payments smoothly: Home Phone................................ Q Don't staple or paper clip your check to the payment slip. Alternate Phone....._........................................ a Be sure to use the payment envelope that came with your E-mail �� statement.Using a different envelope could delay processing. Address........................._............_.............................................. a Please don't include any additional correspondence. e Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black ink. number on your check. Take Control with Online Statements Managing your account online is easy: •Check your balance and view recent activity •View and print copies of past statements • Pay your bill online Sign up.at:www.capitalone.com capt�- Page 2 of 2 1-800.903.3637 www.capitalone.com Jan.10-Feb.09,2010 31 Days in Billing Cycle Credit Limit: 5500.00 MASTERCARD PLATINUM XXXX-XXXX-XXXX-6520 Available Credit 50.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit limit: 5500.00 $924.35 $394.00 Mar 06,2010 Available Credit for Cash: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 5839.51 — SOHO -I- 584A4 {. 50.00 = 5924.35 TRANSACTIONS CONTINUED Your account has gone over-its credit Omit To avoid additional overlimit fees,you should pay more than the Minimum Payment.Please pay enough to bring your account balance below your credit limit immediately,and make sure your account balance remains below your credit limit.Please be sure the amount you pay accounts for arty future purchases,fees,and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date.To avoid this fee in the future,we recommend that you allow at least 7 business days for your minimum payment to reach Capital Cane. 500343 Capita Your account works differently now that you're 7 payments late. Please see the next page for important account information. (— -_- Page 1 of,2 1-800-258-9319 --- ---^—^---- www.capitalone.com/solutions Feb.10-Mar.09,2010 28 Days in Billing cycle IMPORTANT ACCOUNT UPDATES MASTERCARD PLATINUM 6520 Your full balance is due.Any payment you make will reduce your balance and help pay off NEW BALANCE PAYMENT DUE DUE DATE your debt faster.The amount you owe may differ 4 youve entered into a separate payment agreement. $980.00 $0.00 PAST DUE Available Credit:80.00 (Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance I 4924,35 5000 + 555.65 J I + 5 0.00 S980.00 TRANSACTIONS _ PAYMENTS,CREDITS&ADJUSTMENTS FOR NICOLE L NICKELLS#6520 Help is Available. ! FEES I Just pick up the phone. 1 06 MAR PAST DUE FEE 539.00 Total Fees This Period 539.00 Total Fees This Year 5175.00 Call 1-80D-258-9319 and a specially trained a g ent will INTEREST CHARGED be happy to help you check your balance and make payments. INTEREST CHARGETURCHASES 516.65 Total Interest This Period 416.65 Total Interest This Year S52.70 You were assessed a past due fee because your minimum payment was not INTEREST CHARGE CALCULATION received by the due date.To avoid this fee in the future,we recommend that you I Your Annual Percentage Rate(APR)is the annual interest rate on your account. I allow at least 7 business days for your minimum paymentto reach Capital One. Annual Percentage Balance Subject to Type of Balance Int erest Charge Rate(APR) Interest Rate Purchases 23.15%D ( S937.88 $16.65 Cash 23.15%D I 50.00 I SO.00 -_ - J PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VWVW.CAPITALONE.COMISOLUTIONS TO MAKE YOUR PAYMENT ONLINE. ®6520 Account Number: 6520 Due Date New Balance Amount Enclosed Manage your CPast Due 5980.00 E= account online. Visit www.capitalone.com/solutions to manage your account online.Have information at your fingertips 24/7 without picking up the phone. NICOLE L NICKELLS 771 HAMILTON CT CARLISLE, PA 17013-1519 Capital One Bank (USA), N.A. I ll l 111 l"III'111111"I"11111 I II I II I'I 111 l ll l'I 111'11'II III'II I Chariot t e71N83 28272-1083 nIIIIlrinr'Hill'h'hlpllr'llulr'll'I'lll'Ih'lllllld'hll Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. sot w sow can I avoid paying interest CharaesT Each month you pay your'New Balance"In full, How do i Make Payment Payments you mall us will be credited to your account as of the you will have a minimum grace period of 25 days with no Interest charge on an new 1) business day we receive them,as long as:1)you send the bottom portion of this statement and purchases,2)balance tranders,3)special purchases and 4)other charges.if you have been your check in the enclosed remittance envelope,and 2)your payment is received In Capital paying your account in fug with no interest charges applied and you do not pay your next bill Ones processing centers by Spa local time.Please allow at least seven(7)business days for in full,prorated Interest charges will be assessed.There Is no grace period on cash advances, mail delivery.Mailed Payments received by Capital One at any other location or in any other special transfers,or on any new transaction when them Is an unpaid balance from a previous form may not be credited as of the day they am received. bit. Do you process Paper Checks as an Electronic Funds Transfer?When you provide a check as How is the Interest Choral applied?Interest charges accrue from the 1)date of the payment,you authorize us and our agents either to use Information from your check to make a transaction,2)date the transaction Is processed or 3)first calendar day of the Wiling period. one-time electronic fund transfer from your deposit account or to process the payment as e Interest charges accrue on every unpaid amount until it is paid in full.This means you may owe check transaction.when we use information from your check to make an electronk fund interest charges even n you pay the entire-New Balance one month,but did not do wfor the transfer,funds may be withdrawn from your deposit account as won as the some day we previous month.Unpaid interest charges are added to the proper segment of your Account. receive your payment and you will not receive your check back from your financial Institution. However,we reserve the right to not assess Interest charges at any time. Your authorization Is not limited by the date on the check.we may resubmit and electronically Do you assess a Minimum interest Charger Yes.A mfnimum INTEREST CHARGE of 50.50 wiR collect the returned payments. be assessed for each billing period your account is subject to in Interest charge. What if I file for Bankrupt m If you are entitled to bankruptcy protection,this maw did you Calculate the Interest Charge?There are several cakulatons that are used to communication Is for Information only,It is not an attempt to collect,assess or recover a debt determine your total interest charge.1.To get your Daily Balance:For each segment,1)take or claim.Do not send us payments without speaking with your bankruptcy attorney or the the beginning balance and add in new transactions and the periodic Interest charge on the Bankruptcy Court.if you have questions about your account or bankruptcy proceeding,please previous days balance.2)Subtract any payments and credits for that segment as of that day. have your attorney contact us.If you or your attorney would like to contact our bankruptcy The result Is the daily balance for each segment.However,if you paid your previous month's claims s vicer directly,please contact:Capital One-PO Box 85167-Richmond,VA 23285-5167 balance in full(or if your balance was zero or a credit amount),new transactions which post to BILLING RIGHTS SUMMARY(Does Not Apply to Small Business Accounts) your purchase or special purchase segments are not added to the daily balances.Also, What To Do H You Think You Find A Mistake On Your Statement:H you think there Is an transactions that are subject to a grace period are not added to the dally balances.2.To find error on your statement,write to us at: your Average Daly Balance:1)add the daily balances together and 2)dlvlde the sum by the Capital One number of days in the billing cycle.3.Estimate your Total Interest Charge:1)multiply your P,O,Box 30265 average dally balance by the daily periodic rite and 2)multiply the result by the number of days Salt lake City,UT 60130-0285 In the billnhq period.NOTE:Due to rounding or a minimur.i Interest charge,this calculation my In your letter,give us the following Information: vary from the interest charge actually assessed. -Account information:Your name and amount number. If the-Payment Due-a Payoff Amount?No.All stated amounts are owed on the date of the Dollar amount:The dollar amount of the suspected error. statement.However,because Interest,late charges and other charges might change from day •Description of Problem:if you think there N an error on your bill,describe what you believe It .- to day as provided in your customer agreement,the amount due on the day you pay may be wrong and why you believe it is a mistake.You must contact us within 60 days site the error larger.For example,if you pay the amount stated in this statement,your account might still appeared onyour statement.You must notify us Plant,potential errors)n writing.You may have a balance after your payment Is received.Also note that the amount you owe may diHerlf call us or notny us bywebsite,but If you do mare not required to Investigate any potential you've entered into a separate payment arrangement.Please call the number on the front of errors and you may have to pay the amount in question.While we Investigate whelher or not the statement for an exact payoff amount. there has been an error,the following are true: How can my variable Annual Paruntaae Rate(APR)change?Your APR may Increase or 'we cannot try to collect the amount in question,or report you as delinquent on that amount. decrease based on one of seven standard indices reported In The Wan Street Journal.To find -You do not need to pay any disputed amounts and related interest charges orfees until we which Index Is used for your account,look for a code(P,L,C,S,0 or F)on the front of this send you a notice about the outcome of out Investigation. statement next to the AFR(a).Then check the table below: .The charge In question may remain on your statement,and we may continue to charge you Interest on that amount.But,if we determine that we made a mistake,you will not have to pay Code next to your Whenyour Annual the amount in question or any interest or other fees related to that amount. Annual Percentage index which your rates are based on Percentage Rate •While you do not have to pay the amount In question,you are responsible for the remainder Rate(APR) vdll change of your balance. P Quarterly Prime+margin previously disclosed to you Thenrstday ohee Your frights d YOU Am Dissatisfied with Your Credit Card Purchases,it you are dissatisfied L Ouriftly U13OR+margin previously disclosed to you billing periods that with the goods or services that you have purchased with your credit card,and you have tried in C Ouarterfy CD+margin prMously disclosed b you end In January.April, good faith to correct the problem with the merchant,you may have the right not to pay the S Bankcard Prime+margin pravwusty disclosed to you July and October. remaining amount due on the purchase.To use this right,all of the following must be true:I. The purchase must have been made in your home state or within 100 miles of your current 0 Monthly Rim+margin previously dlsdaed to you The first day of each mailing address,and the purchase price must have been more than$50.(Note:Neither of time F Monthly LIBOR+margin previously disclosed to you monthly biting are necessary d your purchase was based on an advertisement vve mulled to you,or If we own G Treasury LIBOR+margin previously disclosed to you parlod. I the company that sold you the goods or services.)2.You mini have used your credit card for Are there Additional Fees associated with account?Yes,under certain circumstances, the purchase.Pum""made vvlth cash advances from an ATM or with a check that accesses my your credit card account do not quality.3.You must not yes have fully paid for the purchase.If you may be assessed a late or Returned Payment Fee.You may also be assessed overllmit tees If at of the criteria above are met and you are pill dissatisfied with the purchase,contact us In you have chosen to accept them.You will also be required to pay all of our actual collection writhe at: expenses,attomeys•fees and court costs unless the law does not allow us to collect these Capital One amounts.We reserve the right to not assess fees without prior notice and without waiving our P.O.cox 30285 right to assess a similar fee later. Salt Like City,UT 84130-0265 what happens if my Account is Suspended?We may close or suspend your account and While we Investigate,the same rules apply to the disputed amount as discussed above.After your right to obtain credit at any time and for any reason,even if you am not In default. we finish our investigation,we will tell you our decision.At that point,n we think you owe an Account suspension can be permanent or temporary.11 your account it closed or suspended amount and you do not pay we may report you as delinquent. you must 1)stop Using your credit card and account,2)cancel an automatic payments,3) Capital One Supports information privacy protection:see out weleshe at w croftalone.m. dertroy at credit cards and access checks,and 4)pay erg amounts you owe us,eve t they were Capital One is a federally registered service mark of Capita)One RnancW)Corporation.All rights charged after the account was closed or Suspended. reserved 6 2010 Capital One TC-l0 01/30/10 To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions 200727 r Now that your account is 7 payments past due, the changes detailed below will apply to your account. Hopefully,these will make it easier for you to take control of your finances again. Capita'—p u" Your balance is still due and we'll contact you soon(directly or through a collection agency)to discuss options for resolving your debt.You are responsible for paying the full balance.on your account as well as any associated collections expenses,attorney fees and court costs unless the law does not allow us to collect these amounts,as provided in your customer agreement. If we continue to send you statements,you'll now receive them quarterly instead of monthly.We may continue to report the status of your account to the credit bureaus,unless prohibited by law.We may also report when your account is paid off. Help is available.We understand that it can be challenging to manage your finances.Here are three important facts about your account that may help make it easier for you to repay your balance: 1)No more compound interest:This means that future interest charges will never accrue interest— making it easier to pay down your debt faster. 2) Highest interest balances are paid first:Your payments will go toward the balance with the highest interest rate first—automatically saving you money whenever you make a payment. 3) Regular payments will resolve your debt:Since your highest interest balances get paid first and your interest doesn't compound,making regular payments will get your balance paid. Call 1-800-258-9319 to discuss your options.And remember,you can check your balance and make payments online any time at www.capitalone.com/solutions. Help is available. lust pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance,make a payment and answer any questions you may have. 0 2010 Capital One.Capital One is a fednally registered service mark.All rights reserved I I Capital One® Customer Agreement r Welcome to Capital One.0 You may also update some of this information by logging j Thank you for opening a credit Card Account with us.This onto your Account on our website or by calling one of our Customer Agreement("Agreement")contains the terms for representatives at the telephone number provided on your your Capital One credit Card. Statement or on the back of your Card.We may require you j to provide additional documents that are acceptable to us to i Some Definitions. verify this information or any changes.We maintain the right ` The meanings of the terms you see in italics appear in to restrict or close your Account if your information cannot the Glossary Section.7o make the Agreement easy be verified or if you do not provide additional information as to understand,we will also use the following personal requested. pronouns: Credit Limits. I "You,""your" and "yourself" mean each applicant and co- When you open your Account,you will receive your credit applicant for the Account;any person responsible for paying limits.These will also appear on your Statements.We might f the Account;and anyone You authorize to use,access or also refer to your credit limits as your credit lines.We may give service the Account. It also includes an Authorized User as you different credit limits for the different Segments of your defined in the Glossary Section. Account.For example,you might have a different credit limit "We," "us," 'bur"and "Capital One"mean Capital One for purchases than for Cash Advances. i Bank(USA), National Association;and its agents,authorized representatives, successors, and assignees. You are responsible for keeping track of your Account j balances and your available credit limits. Do not allow Account Documents. your Account to go over any credit limit even if you have Your Account with us is governed by the following authorized us to charge you an overlimit Fee for doing so, documents: as described in the Interest Charges and Fees section.We may still honor transactions above your credit limits, but our (1)this document; honoring of these transactions will not increase your credit (2)all Statements; limit. (3) all rewards information and documentation if your Account has rewards; We may also increase, decrease, restrict or cancel our credit (4) an Privacy Notices describing our limitations on sharing limit on any Segment at any time.This will not affect your information about you with others; obligation to pay us. (5)your Card benefits brochure which describes benefits provided by the Payment Card Network for your Card and Using Your Account. Account.The most current version of your Card benefits You promise to follow the terms of this Agreement as long brochure will replace all prior versions; as your Account remains open or has a balance. Please sign ! (6)the"Security"Agreement if you have a secured Card; the Card immediately when you receive it.The Card is valid I (7)all disclosures.and materials provided to you before during the dates provided on the front.The Card is our or when you opened your Account, including Truth in propert y,and you will return it to us or destroy it if we ask. Lending Disclosures; You will take reasonable steps to prevent the unauthorized (8) all other documents and disclosures relating to your use of your Card and Account. I Account including those provided online;and f (9)any future changes we make to any of the above things. We are not responsible if anyone refuses to accept your Card for any reason.Also,we may reject any transaction for j Please read these carefully and keep them for future any reason. Unless we tell you otherwise,we will bill each reference.An image of any of these can be used instead of transaction to the applicable Segment of your Account and the original. apply it against your available credit limit for the Account and New Offers. Card for that Segment in each Billing Cycle. In the future,we might make new offers to you or forward You may also obtain Cash Advances and Transfers if they are offers from others that we think you might be interested permitted for your Account. Unless we agree,you may not f in.These offers may have new or different terms and use a Transfer to transfer amounts from other Accounts with documentation for these offers will be provided when we us or any other company within the Capital One organization. make you the offer. if you accept the offer,your previously } disclosed terms will still apply except as modified by the offer. You must not use,or try to use,the Card for any Internet gambling transactions or transactions that are illegal or not j Account Information, permitted by us.You will still be responsible if you do. In We need information about you to manage your Account, addition,these transactions will be subject to this Agreement, The information we need includes: and you might have to reimburse the Payment Card Network (1)your legal name; and us for all damages and expenses. (2)a valid U.S. mailing address and residential address(if From time to time,due to circumstances beyond our control different); (such as system failures,fires,floods:natural disasters or other (3)your date of birth; unpredictable events)our services might be unavailable.When (4)your social security number or other government this happens,you might be unable to use your Card or obtain j identification number; information about your Account.We will not be responsible or (5)your telephone number(s);and liable if this happens. (6)your employment and income information. Rewards. You must tell us when this information changes. Please update Your Account might provide you with the opportunity to earn your address in the manner provided on your Statement. rewards. If it does,we will separately provide you with all i j { i information and terms abou# our rewards.We will include your request,we will need certain information about the on your Statements all rewards you have earned,It might Authorized User to manage your Account.This will be the { take up to two Billing Cycles for your earned rewards to same information you provided about yourself as described appear on your Statement. in the Account Information Section.We may limit an € Authorized User's ability to initiate certain transactions. If we Using Your Access Checks. do,we will tell you about these limitations before adding any When we provide you with Access Checks,we will tell you new Authorized User on your Account. whether we will treat them as purchases,Balance Transfers, Cash Advances or Special Transfers. Once we add an Authorized User to yourAccount,we may discuss your Account with them and provide them j Only the person we designate may use Access Checks.Access with Account information.You will be responsible for the Checks may not be used to pay any amount you owe us or Authorized User's use of the Card and your Account as well any other company within the Capital One organization.We as anyone else the allow to use your Card or Account.This may reject and not pay any Access Check for any reason. will be true even if you did not want,or agree to, the use, t Some examples of reasons why we may reject and not pay { include:your Account is delinquent, charged-off, bankrupt, Removing an Authorized User. lost/stolen or closed; our fraud system prevents the offer If you want to remove an Authorized User from the Account, fulfillment;yourAccount is overlimit;or the checks have you must contact us as provided on your Statement and expired.Any liability far our wrongful dishonor of an Access request their removal.We will have a reasonable amount of Check will be limited to your actual damages and will not time after your request to research the situation and remove R.... exceed the amount of the Access Check. them.You also must immediately destroy all Cards in their 1 possession and cancel all of their billing arrangements to { When you use an Access Check,you will have fewer rights to the Account.We will not do this for you. During this time, dispute merchant transactions than with other uses of your you still will be responsible for all amounts they charge to the Card. Please see the`Billing Rights Summary"part of your Account.You will be responsible even if these amounts do not Statement and your other Truth in Lending Disclosures for appear on the Account until later,An Authorized User may more information. remove themselves from the Account upon request. Stopping Payment of Access Checks. We may close your existing Account and/or issue a new Card ' You may request a stop payment on any Access Check by with a new Account number. contacting us as provided on your Statement.We may charge you a Fee to stop payment as described in the Interest Your Promise to Pay. Charges and Fees section. If you call us to stop payment,you You promise individually and jointly to pay us all amounts due must also send to us a written request within 14 calendar days. on your Account.This includes amounts where you did not ; sign a purchase slip or other documents for the transaction. j We will have,,a reasonable amount of time after your stop If you use your Card number without presenting your actual payment request to research the situation and complete it, Card(such as for mail,telephone or Internet purchases), We will not be responsible if we cannot complete the stop this will be treated the same way as if you used the Card i payment because the Access Check was already paid,you do in person.If ou let someone else use your Card,you are not give us the information we asked for or the information responsible for all transactions that person makes.Your j you gave us was incorrect.If we cannot stop payment for promise to pay us will apply to your estate if you die. these reasons,we may still keep the stop payment Fee. Statements. Once we complete a stop payment,we do not have to release We will send you one Statement for all Cards on your the stop payment order unless the same person asks us to. Account unless the law does not require or permit us to If we re-credit your Account after paying an Access Check send a Statement.Statements will be sent at the end of following a valid stop payment order,you give us all of your each Billing Cycle when your Account has a debit or credit rights against the payee or other holder of the paid Access balance of more than $1.00, or if we have charged any Check.You also agree to help us in any actions we might Interest Charges to your Account.Your Statement will show later take against that person, all transactions billed to your Account during the Billing Cycle along with other important Account information. , Using a PIN. We may give you a personal identification number(PIN).For Disputed Transactions. security reasons,you might have to provide the PIN before You must inspect each Statement you receive and tell us you are able to complete some transactions using the Card, about any errors or questions you have as described in the"Billing Rights Summary part of your Statement and With a PIN,you may use your Card to:(1)obtain cash other Truth in Lending Disclosures. If you do not notify us from certain automated teller machines(ATM)or(2)make as provided in those disclosures,we may assume that all } purchases at certain merchant or retailer paint-of-sale devices information in the Statement is correct. (POS).You may do these things if the ATM or POS requires i entry of a PIN and displays the logo of the Payment Card If you dispute a transaction made by you or someone else on 1 Network on your Card:We will treat all ATM transactions as your Account,and we later credit your Account for all or part Cash Advances and all POS transactions as purchases. of the disputed amount,you give us all of your rights against that other person.You also will: i You should keep your PIN secure and not write it down,give it to anyone,or keep it with your Card.if you lose your Card or (1)give us any merchandise or other purchases you received believe that someone has gained unauthorized access to your in connection with the disputed amount if we ask; PIN,you must contact us immediately. (2)not pursue any claim or reimbursement from the merchant and that other person;and Authorized Users. (3) help us pursue and get reimbursement from the merchant You may ask us to add one or more Authorized Users and that o ther person;your help includes giving us with additional Cards on your Account. If we agree to documents that we ask for and that are acceptable to us. I f I Interest Charges and Fees. Merchant Refunds. We will charge7nterest Charges and Fees to your Account as if you are entitled to a refund for goods or services purchased disclosed to you in your Statements and other Truth in Lending with your Card,you will accept these refunds as credits to the Disclosures. In general,Interest Charges begin to accrue from purchase Segment of your Account.We do not control when a the day a transaction occurs. However,we will not charge you merchant sends us your refund.We will also have a reasonable interest on any new balances posted to the purchase Segment amount of time after we receive your refund to process it. of Your Account provided you have paid your previous balance 1 in full by the due date. Minimum Payment. We will treat the following Fees as purchase transactions unless Your Statement will provide instructions for making payments, otherwise specified below.These Fees apply to your Account including the amounts due and the due date for receiving l only if they are provided in your Truth in Lending Disclosures. your payment.If applicable,your Statement will also include a I We may increase your Interest Charges and Fees as described in minimum payment amount.To avoid a late payment Fee,you the Changes to Your Agreement section or in your Truth in must pay us at least this minimum payment amount by the due Lending Disclosures. date provided in the Statement. If you have agreed to incur Fees for going over your credit limit, be aware that paying only the • Membership Fee.We may charge you this Fee as early as minimum payment amount might not be enough to avoid an your first Billing Cycle or the first Billing Cycle after this Fee overlimit Fee. becomes effective. If it is an annual Fee,we may then charge In addition to the minimum payment,you may pay all or part it approximately once per year. If it is a monthly Fee,we may of the total balances on your Account. However,you must still charge it once in each Billing Cycle.This Fee is payable in pay at least the minimum payment amount each month,even if i advance even if you do not use your Account. you paid greater than the minimum on the previous Statement. j We will continue to charge Interest Charges during Billing Cycles • Late Payment Fee.We may charge you this Fee if we do not when you carry a balance regardless of whether your Statement receive your payment in time for us to credit it by the due date includes a minimum payment that is due. If Your Account is 180 shown on our Statement. Y days past due, part of a bankruptcy proceeding or otherwise , charges off,the entire balance is immediately due and payable. • Overlimit Fee. If you agree,we may charge you this Fee when a transaction causes you to go over or remain over any of your. Making Payments. credit limits during any Billing Cycle.We may also charge you Your payments must be in U.S. dollars from a U.S deposit two additional Fees if your balance remains over your credit account and otherwise be acceptable to us.We do not accept limits as of the payment due date in future Billing Cycles,You cash payments through the mail.You may not make payments will only pay one Fee per Billing Cycle, even if you go over your with funds from your Account or any other credit account with limit multiple times in the same cycle. us or any other company within the Capital One organization. • Returned Payment Fee.We may charge you this Fee each time Mailed Payments. any payment you make to us is not paid by your financial You must mad payments to us at the address provided on your L institution for any reason, even if that institution later pays it. Statement or as otherwise instructed by us or our agents.We will credit it to your Account on the day we receive it, if: • Returned Access Check Fee.We may charge you this Fee if we do not pay an Access Check for any reason, including when (1)you send the payment coupon included with your Statement your Account is in default, overlimit,suspended or closed. in the same envelope with your payment; • Stop Payment Fee. We may charge you this Fee each time you (2)you include your Account number on your payment;and request us to stop payment on an Access Check or you renew an existing stop payment order as provided in the Stopping (3)your payment arrives at the address indicated on the Payment of Access Checks section. payment coupon in our processing center by the time • Copying Fee.We may charge you apex--page Fee for copies of indicated on your Statement. transaction documents or Statements unless they are required If your due date occurs on a day on which we do not receive in resolving a billing dispute. payments, any payment received the next day which conforms to the above requirements will not be treated as late. • Cash Advance Fee,We may charge you this Fee each time you obtain a Cash Advance.This Fee will be treated as a Cash Please allow at least 7 days for postal delivery. Unless we or our Advance transaction. agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any other • Transfer Fee.We may charge ou this Fee each time you form might not be credited for up to 5 days.This might cause obtain a Transfer.This Fee wi l be treated either as a Special you to be charged late payment Fees and additional Interest Transfer or purchase transaction depending on the Segment in Charges. which the Transfer posts. Faster Payment Services. Transactions Made in Foreign Currencies. We may make services available that allow you to make faster If you make a transaction in a foreign currency,the Payment payments through a customer service representative using Card Network will convert it into a U.S. dollar amount. a telephone,the Internet or other payment system.We will The Payment Card Network will use its currency conversion describe the terms for using these services before you use them. ` procedures in effect when it processes the transaction.The You do not have to use these other payment services, and we conversion rate in effect on the processing date might differ may charge you a Fee for using them. If we do,we will tell from the rate in effect on the transaction or posting date.We you the amount of the Fee at the time you request the service. do not currently adjust the currency exchange rate or charge any We are not responsible if a payment made using our payment additional currency conversion Fees. services is rejected or not paid. Even if it is,we may still keep the No Warranties. Fes' Except as otherwise provided in the"Billing Rights Summary" If you give your Account number or other Account information part of your Statements,we are not responsible for any claim to someone else to make a payment for you,we may provide s you might have regarding the purchases of goods or services Account information to them and process their payment as if made with your Card. I i 1 1 you made it.We may refuse to accept any payment made by (6)we determine that you made a false, incomplete { someone else far your Account. if we accept a payment made or misleading statement on any of your Account by someone else for your Account,you will be responsible documentation, or you otherwise tried to defraud us; for the payment made even if that payment is rejected or not (7)you do not comply with any term of this Agreement or paid, any other agreement with us; or (8)you permanently reside outside the United States. Payment Processing. We may accept and process payments without losing For certain actions,including changing the rates and Fees any of our rights,Even if we credit your payment to your on your Account,our options appear in our original offer i Account,we may delay the availability of credit until We materials when you opened yourAccount.Remember, payingi confirm that your payment has cleared.We may resubmit the Fees charged in connection with a default will not by itself and electronically collect returned payments.We may also cure the default,In addition,if you are in default,we may take adjust your Account as necessary to correct errors,to process the following actions without notifying you,unless the law says returned and reversed payments,and to handle similar issues. that we must notify you: } When you provide an item as payment,you authorize us (1)close or suspend your Account; either to use information from your Item to make a one time (2)lower your credit limits; electronic fund transfer from your deposit account or to (3)increase your minimum payment; process the payment as an item.We will provide additional (4)demand that you immediately pay the entire balances — information about this process on your Statement or other owing on your Account(for example,as described in the documents we send you before your payment.You may Minimum Payment section); j contact us and ask that we not process.your future Items in (5)continue to charge you Interest Charges and Fees as long this way, as your balances remain outstanding;and/or (6) pursue any other action against you that the law allows, When you provide an Item as payment,it might also be . which includes the filing of a lawsuit against you, converted into an electronic image and collected and returned You must pay us all of our collection expenses,attorneys'fees electronically.These electronic images may also be converted and court costs unless the law does not allow us to collect to substitute checks:We will not be responsible if an item you these amounts. Ehas physical features that when imaged result in it not being processed as you intended. Communications. We may contact you from time to time regarding your How We Apply Your Payments. Account.We may contact you in any manner we choose unless We apply your minimum payments to lower Annual the law says that we cannot.For example,we may: Percentage Rate balances before higher ones.We apply { any portion of your payment, in excess of your minimum (1)contact you by mail,telephone, email,fax, recorded I payment,to higher Annual Percentage Rate balances before message,text message or personal visit; tower ones. (2)contact you using an automated dialing or similar device ("Autodialer"); Items with Restrictive Words, Conditions (3)contact you at your home and at your place of or Instructions. employment; All Items that have restrictive words,conditions,limitations (4)contact you on your mobile telephone; or special instructions added (including Items marked (5)contact you at anytime,including weekends and holidays; with the words"Paid in Full"or similar language)and all (6)contact you with any frequency; accompanying communications must be mailed to and (7)leave prerecorded and other messages on your answering ! received at:Capital One, P.O.Box 30285,Salt lake City, machine/service and with others;and 1 UT 84130-0285. If you make your payment or send any (8)identify ourselves,your relationship with us and our accompanying communications to any other address,we may purpose for contacting you even if others might hear or accept and process the payment without losing any of our read it. , rights. i Our contacts with you about your Account are not unsolicited Credit Balances. and might result from information we obtain from you or We may reject and return to you any payment that creates a others.We may monitor or record any conversation or other credit balance on your Account.Any credit balance we allow communication with you.Unless the taw says we cannot, will not be available until we confirm that your payment has we may modify or suppress caller ID and similar services f cleared.We may reduce the amount of any credit balance by and identify ourselves on these services in any manner any new amounts billed to your Account.You may contact us we choose.When you give us or we obtain your mobile as provided on your Statement and request a refund of any telephone number,we may contact you at this number using available credit balance.If you contact us in writing,we will an Autodialer and can also leave prerecorded and other refund your credit balance within 7 Business Days from our messages.We may do these things whether we contact you ; receipt of your written request. or you contact us. i Account Default. If you ask us to discuss your Account with someone else,you We may consider you in default of your Agreement with us if: must provide us with documents that we ask for and that are J acceptable to us. f (1)you do not make any payment when it is due; (2)any payment you make is rejected,not paid or cannot be Credit Reports. processed; We may provide information about you and the Account to (3)you exceed a credit limit; consumer(credit) reporting agencies and others as provided (4)a bankruptcy or other insolvency proceeding is filed by or in our Privacy Notices.information we provide migght appear against you; on your and the Authorize Users'credit reports.Tnis could i (5)you die or are legally declared incompetent or include negative information if you do not comply with the incapacitated; terms of this Agreement.We may obtain and use credit l i i ^ ~ and income information about you from consumer(credit) period for all provisions and purposes under this Agreement reporting agencies andothesas the law allows. (including Closing S di Yw ���co � '� ,�th'is Agreement��g��— �� i-�=tobe"ne"+"rce"d" ,he `diction where you live,If You may ask close Account emai�ngpar�wiUemain�e��.on your Statement.Your Statement will as described additional information 6n provide separately provide you with additional details after our We will not lose any of our rights if we delay taking any request.This might include payment information. I�you use action for any reason or if we do not notify you. For example, your Card orcharges post to your Account after you ask us to we may waive your Interest Charges or Fees without notifying close it,we may keep it open or reopen it. you and without losing our right to charge them in the future.We may always enforce our rights later and may take We may close or suspend your Account and your right to other actions not listed in this Agreement if the law allows obtain credit from us.We may do this at any time and for them.You do not have to receive notice from us of any any reason, permitted by law,even if you are not in default. waiver, delay,demand or dishonor.We may proceed against A suspension of your Account might be permanent or you before proceeding against someone else. temporary. Assiqnment. If your Account is closed or suspended for any reason,you This Agreement will be binding on,and benefit,any of your must stop using your Card.You nust also cancel all billing and our successors and assigns. arrangements to the Account.We will not do this for you. Mwe close orpermanently suspend your Account,you must You may not transfer your Account or your Agreement to also destroy all Cards.You must still pay usall amounts you someone else without our written permission. nvve on the Account,even if they are charged after your Account is closed nrsuspended, We may transfer your Account and this Agreement to your �m�or Stolen Card. company notice to They h will place You will take reasonable steps to prevent the unauthorized this Agreement.You must pay them and perform all of your use of your Card and Account. If your Card is lost or obligations to them and not us.If you pay us after you are stolen or if someone else might be using it without your informed or learn that we have transferred your Account or permission,you must tell us at once.You may tell us by this Agreement,we can handle your payment in any way calling the telephone number on the back of your Card or we think is reasonable.This includes returning the payment / Statement.You will not ne responsible for charges made no person. your Account that are found byustnbe unauthorized. |f we reimburse your Account for unauthorized charges made Glossary. using your Card,you will help usi ate d -"Access Check"means any check we send to you to access get reimbuoement6nm the`wrong6oe�Your hdpin6vdes your Account,Ve may abon��toanAcces Check asm giving us documents that we ask for and that are acceptable "convenience check"or a"purchase check.° \ to us. � °"Acmxmmt"means your Card Account with us. / Changes tn Your Agreement. At any time, add,delete or change a?ytennofthi °"Awthorized User"means one or more persons who may unless Agreement the law prohibits from doing so.We use the Card but b not responsible for the repayment ofthe give ou notice of any changes required by law, If we do Account. i����xn 'n�changes,� ��enr ^ send notice to "means Transfer posted tothe separate notice or you electronicalyly as ermitted by law,Our notice will tell purchase Segment of your Account unless otherwise when and how the changes will take effect and describe any described io your Truth/n Lending Disclosures. rights you have in connection with the changes. -"Billing Cycle" dof time that might Your variable Annual Percentage Rates 8f length but is approximately 30 days.The specific period up or down as the index for the rate goes up or down,If we of time is described on each Statement.However,you will increase your Interest Charges for any other reason we will have a Billing Cycle even if a Statement is not required. notify you in writing.If we increase your Fees or other terms We will often specify a Billing Cycle by the month in which of your Account we will notify you in writing and inform you its closing date occurs as provided on the Statement. For of your options in advance,including the dght to apt out of example,a"March Billing Cycle"will have a closing date some of these changes. in March.We may also refer to a Biffinq Cycle as a"Billing .~~. f your Account balance has 6arged off,we may te ���q���B�g[���y�/��u�.Fees after the first year of the Account.Also,if your d yo payment is not received within 60 days after the payment *"Business Day"means any day in which Capital One's due date,we may increase your Interest Charges and Fees for n*ceureopenfoxthepnocesingcfpaymentsandcsdhs. existing balances and new transactions at any time.We ' change any other terms of your Account at any time. *"Card" Capital Account,which includes all ` The La that Applies means any other device Account we give''you - We make decisions to rant credit l issue Card from that allows you to obtain credit,including any Account number our offices in Virginia. sing and any Access Check. Virginia law.Federal law will be used when it applies. You waive statute oflimitations as the law °"Cash Advance"means using the Card to obtain loans allows.Otherwise,the applicable statute uflimitations in cash or things we consider cash equivalents.Cash | / r *, 1 4 equivalents include wire transfers,travelers'checks, money orders,foreign currency,lottery tickets, gaming chips and wagers.Cash Advances are posted to the Cash Advance Segment of your Account and not to your purchase ; Segment. I I •"Fees"means charges imposed on yourAccount that are I not based on the Annual Percentage Rates. •"Interest Charges"means any charges to yourAccount based on the application of Annual Percentage Rates,. •"Item"means a.check,draft, money order or other I negotiable instrument you use to pay your Account.This includes any image of these instruments.This does not include an Access Check. .,,payment Card Network" means Visa Inc., MasterCard International Incorporated, or any other network provider ._ displayed on the Card. i ,"Segments"means the-different parts of your Account we may establish that are subject to unique pricing, grace periods or other terms.We create these parts of your _ Account for such things as your purchases,Cash Advances and Special Transfers. j -"Special Transfer"means a Transfer posted to the Special I Transfer Segment of your Account and not to.your purchase Segment, II •"Statement"means a document or information we ! provide to you showing Account information including, among other things,transactions made to yourAccount during a Billing Cycle.We might also refer to your Statement i as a "Periodic Statement"or a "Billing Statement." ! -"Transfers" means balances transferred from other Accounts to this Account and includes Balance Transfers and Special Transfers. � -"Truth in Lending Disclosures"means any Account information we provide to you that is required by the federal Truth in Lending Act and Regulation Z.These include your application and solicitation disclosures,Account i opening disclosures, subsequent disclosures,Statements and change in terms notices. i caf;ital I 2010 cao.tal Ore Q;rF al OrQ is a fc_narally mgistsei service Mary- All rights t�-emed. � RV600157 M-99488 i 9R 165892 cot CU mrnw.sgr",M-1 ors I • I I i 1 i