HomeMy WebLinkAbout12-0484INTHE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CAPITAL ONE BANK (USA), N.A.
4851 COX ROAD
GLEN ALLEN, VA 23060
Plaintiff
VS.
BLAINE KIMBALL
825 CLUB HOUSE DR
MECHANICSBURG PA 17050-7622
Defendant
: CIVIL ACTION
NO: /a - 'q8V
NOTICE TO DEFEND
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You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice to
Defend are served, by entering a written appearance personally or by an attorney and filing in
writing with the court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so the case may proceed without you and a judgment may be entered
against you by the court without further notice for any money claimed in the Complaint or for any
other claim or relief requested by the plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE.
O
MIDPENN LEGAL SERVICES 4103.15 PO
401 EAST LOUTHER STREET C'§ f r oa
CARLISLE, PA 17013 a?A3
717-243-9400
r ,
TN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CAPITAL ONE BANK (USA), N.A.
: CIVIL ACTION
4851 COX ROAD
GLEN ALLEN, VA 23060
Plaintiff
VS. . NO:
BLAINE KIMBALL
825 CLUB HOUSE DR
MECHANICSBURG PA 17050-7622
Defendant
COMPLAINT
Plaintiff, CAPITAL ONE BANK (USA), N.A. , by and through its attorneys, Edwin A.
Abrahamsen & Associates, P.C., complains of the Defendant as follows:
1. Plaintiff, CAPITAL ONE BANK (USA), N.A. , (hereinafter "Plaintiff") is a
corporation with a principal place of business located at 4851 COX ROADGLEN ALLEN, VA
23060
2. The Defendant BLAINE KIMBALL (hereinafter "Defendant") is an adult
individual residing at 825 CLUB HOUSE DR MECHANICSBURG PA 17050-7622.
3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase
and collection.
4. Defendant applied for and received a credit card issued by CAPITAL ONE BANK
(USA), * with the account number ending in 2273.
5. Use of the CAPITAL ONE BANK (USA), * credit card was subject to the terms
and considerations of the Cardmember Agreement (hereinafter "Agreement"), a copy of which
was sent to the Defendant along with the credit card.
6. Defendant used the CAPITAL ONE BANK (USA), * credit card account number
ending in 2273, for purchases, cash advances and/or balance transfers.
7. The Defendant was mailed account statements relative to the Defendant's use of the
subject credit card. (See, attached hereto as Exhibit "A")
8. The Defendant defaulted under the terms of the Agreement by failing and refusing
to make monthly payments on the account as they became due. (See, Cardmember Agreement
attached hereto as Exhibit "B.")
9. The Defendant last made payment on July 30, 2008.
10. The total amount due and owing the Plaintiff including interest, is $27,874.27.
WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the
amount of $27,874.27 plus costs of suit and any other relief as the Court deems just and
appropriate.
submi
P( iri ACAbrahamsen & Assoc.
Michael F. Ratchford, Esquire
Attorney I.D. Nos.: 86285 /
120 North Keyser Ave.
Scranton, PA 18504
mratchford@eaa-law.com
Phone: 570-558-5510
Fax: 570-558-5511
VERIFICATION
I, Michael F. Ratchford, attorney for Plaintiff, CAPITAL ONE BANK (USA), N.A. , am
fully familiar with the facts set forth in the within Complaint and am authorized to make this
Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are
true and correct to the best of my knowledge, knowing that any false statements are punishable
by law pursuant to 18 C.S.A. 4904.
500023
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mailing letters. Get some time back each month with Capital One"' balance
transfers. Consolidate your bills and higher-interest payments, maybe even
save some money, and then spend your time relaxing, shopping or watching
the game-instead of writing a lot of checks.
to transfer? See reverse to learn how.
Call i-877-q76-7939•
C77
Previous Balance
Payments & Credits CE
FI FI ARNANCE Transactions
New Balance Mirrmun Paymmrt Due Date
$13,411.54 - $299.95 * $109.45 + $2,757.04 = $15,978.08 $319.00 May. 30, 2008
Apr. 06, 2008 -
May. 05, 2008 Page 1 of 2 1%
--- KM MY AT LEAST THIS PJAMW
MasterCard Worldcerd Account
H
54863017.4080.2273
?
Your Account Information REWARDS
TOTAL REVOLVING CREDIT LINE $25,700.00
TOTAL AVAILABLE
REVOLVING CREDIT $9,721.92
CREDIT LINE FOR CASH $5,140.00
AVAILABLE CREDIT FOR CASH $5,140.00
Finance Charges (Please see reverse for important information)
Balance rate Periodic Conespondng FINANCE
applied to rate APR CHARGE
Purchases 514.964 20 0 02438% 890% 5109.45
Cash 50 00 0 02438% 890% S000
ANNUAL PERCENTAGE RATE applied this pedod: IIW%
ATh At Your Service 1.800.8567070
To cal Oustomer RoWa or to reporl a bst a stolen cad
V
AWk Send payments to:
(:a*10. Bk(USA),NA - P.O. Box 70884 - Charbee, NC 28272-0884
Send Inquiries to:
CsPital One Serrbes- P.O. Box 85012 - Richmond, VA 23285-5012
For More Information on your Rewards:
Visit. waw.capiaebne.co"mibsrewerds
(?511: 1-800-2283001
® Have a question about a charge on your statement?
Please refs to the Bluing Rights Summary on the back of you
statement or visit www cWtalone comldis rp tes
Rewards Summary
Previous available balance 27 274
Earned this period 1,866
(relleds transactions posaed during this billing cycle)
Forfeited this period 1759
Available Balance 27 381
Payments Credits & Adi istments
1 23 APR TARGET OD022020 MECHA14 I CSBURG PA 531.95
2 01 MAY PAYME14T S258 XE
Transactions
3 D4 APR SILVER SPRINGS DINER MECHANICSBURG PA S2583
4 05 APR GIANT FOOD #269 CAMP HILL PA S51 45
5 06 APR WEIS MARKETS #125 SHD CAMP HILL PA S1576
6 07 APR Amazon corn AMZN COM43ILL WA 52516
7 D7 APR AMZ•Amazon Payments AMZN CONYULL WA S2378
8 07 APR PURCHASE CHECK 1 250710413885 54388
9 07 APR WAL-MART #1886 MECHA141CS13UR PA 591 45
10 08 APR BLOCKBUSTER.COM 866-692-2709 TX S847
11 09 APR SHEETZ DOW2003 MECHANICBURG PA 5619
12 11 APR COVE14ANT EYES 963743-11 DO MI S799
13 12 APR SHEETZ 00001958 MECHA141CSBURG PA MO 02
14 12 APR RUTTERS FARM STRE Q87 ETTERS PA $4051
15 12 APR PALUMBO PIZZA MECHANICSBURG PA S1599
16 13 APR WAL-MART #1886 MECHANICS13UR PA S13416
17 13 APR FIRE MTN #2465 QB3 MECHANICS8URG PA S3746
18 14 APR APC'ALLPOSTERS COM 888-654-0143 CA 517.94
19 14 APR WAL-MART #1886 MECHANICSBUR PA S1375
20 15 APR PURCHASE CHECK 1 2509 08985239 S15700
21 16 APR MON,IOBIL 42DD4Q19MECHANICSBURGPA 5306
22 16 APR NAPSTER•ID 443906790 800-6394210 NY S1292
23 18 APR PURCHASE CHECK 1 2510 06782093 S1 n67
PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW-CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE.
ow-I --,-,in your waIlet?'
0 5466301740902273 05 0000000268000319003
New Balance Minimum Payment Due Date
$15,978.08 $319.00 May. 30, 2008
PLEASE PAY AT LEASE
THIS AMOUNT
Amount Enclosed
Capital One Bk(USA),NA Irlurirrrllrlrlrutrlii
P O. Box 70684
Charlotte, NC 28272-0884
inlrl?ulMuir??nr?nirlilnr?nlrinlnini?nlnlnlinr??
Account Number: 5466-3017-4090-2273
Please print address or phone number changes below using blue or black ink.
Hoene Phone AHMrWe Pyrnne
E-mail a cf&e
#9012721147452955lt MAIL ID NUMBER
BLAINE KIMBALL
TRACEY KIMBALL
825 CLUB HOUSE DR
MECHANICSBURG, PA 17050-7622
I I IIIlnIIiIruIIIIIiIIIIIrniIIi1urlrlnhhrhhhlrnllr
Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envebpe.
1?)Ch) bi ? "A u
Transferring balances is easy. Here's how:
i. Grab copies of your other credit card or loan statements.
2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer
and mail them off.
3. Or, if you don't have checks, call us at 1-877-476-7939 and ask for a balance transfer. We'll walk
you through the process step-by-step.
4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line.
5. Enjoy the time you'll save!
M2
os
1. Hoer to Avoid a Fiance Charge,
t a. Grace Period You will have a rrkdoum grace period of
25 days a dlout finance charge on neav punhasas, new
balance transfers, new special purchases and new other
charges It you pay your told "Near Balance'. I.
accordance wIM the Impodant Notice for peymenk below.
and M Ilene for k to be cradled by your rexl stateirriad
closing dale. There is no grace perbtl on cash advances
and specid in milers. In adpit there ts m grace period
on dry Immaeton N you do not pay the total "Nev
balance."
b. Accruing Fiance Charge. Transactions which rs not
subject to a grace period are assessed finance charge 1)
from tie date of the transaction m 2) from to dab the
transaction Is Processed loywr Account or 3) tam the
first calendartlay dthe curtest hitting period Adrttmally,
f you did not pay the "hdew Batance has the previous
biting period in frt. finance charges c9dYrue to mcae to
your -paid balance anN the unpaid balance a paid In
fug. ltd means that you may sill owe finance charges,
even Y yea Pay the.0. New Balance indicated w the
front of your stalarted by the nod stiderme nt closing dais,
but did nod do so for the previous nedh. Unpold finance
charges are added to the applicable segued of your
Account
t c. Ninkrum Firearm Charge For each bang period that
your account Is subject to a finance charge, a mtrimrn
Idat FINANCE CHARGE of $0.60 wl be Inposed. It the
Ictar finance charge resulting hen the application of your
periodic rele(s) Is less than $0.50, we will subtract that
amcud Ran the $0.50 nbtmem and the dW-'o AN be
bled to the purchase segnerri d your account.
t d. Temporary Reduction In Finance Ch arge.We reserve
the right to not assess any or all Nance charges for any
given brig Period-
2 . Average Oak Balance (Including New Purchases).
Finance charge Is calculated by miMpymg the daily balance
d each segnar or your account ie.g., cash advance,
purchase, special handler, and special purchase) by the
corresponding der periodic reb(s) Ind has been previously
disclosed to you. At the and of secli day during the bMng
period, we apply the tlay periodic role for each segnarw or
your account to the defy balance d each segued- Than at
Ito and or the billing period. war add up the results of these
day calcukdlDm b arrive at your periodic tnarce charge for
each seprnad. We adtl rp the results Rom each segment to
arrive at the total pedotlk finance change for your amount.
To get the ridgy balance for each segment of your account,
we lake Ilse beginning balance for each sagnern( and add
any raw transactions and any periodc finance charge
calculated on the previous day's balance for that segnant.
We ten subtract any Payrreds or credits Posted as of that
day that are allocated to Ina segment. This gives us the
sapaata dory bearce fa each sagriad of your account
However. ally pad the Navy 8alence shown ou your
previous stAemenl m bX (or If your mnir balance vies zero a
a credit amount), new trensecltms, vArlch post to your
purchase a spaded purchase segments are not added to the
day balances. We calculate the avenge defy balance by
adding all it* day balances together and Avidmg the sum
by the number of the days W the coned bitting cycle. To
calculate your told finance charge, muldply
your avenge dally balance by the defy periodic rate and
by the ember of days at the billing Period. Due to
nundi g on a day basis, there may be a slight -dance
betman this calculation and the amount of finance
charge ackiatiy asswriad.
3 Annual Percentage Rates (APR).
a. The lerm "Annual Percentage Rate" may appear as
"APR' ai the front of this slatamed
b. If the code P (Quarterly, Prints), L (Ouadedy UBOR), C
Joust" CD). or S (Bartcad Prime) appaers W the
front of this statemeril deal to the periodic nte(si, the
;;=Al les d spading ANNUAL
E RATES naY vary quail" and they
Increase a decrease based m the stead IndIc8s. so
found In The well Strad Joumat phis the nergin
previously disclosed to you These changes Will be
effective w the first day of your Nllhng period covered
by your periodic slatsmanl ending In the months of
January, Apt, July and October.
c. If the code D (Moray Prime). F (Monthly UBOR), or G
(Treasury UBOR) appears on the frail Of your
stationer next to the periodic rate(s), the periodic rates
and corresponding ANNUAL PERCENTAGE RATES
may very mr-tidy and My Increase or decrease based
on the staled kidices, as found in The Wall Street
Journal, Puts the Migin pravrously disclosed to you.
These changes will be effective on the first day Of your
biting period earn nmrth.
t. Assassrnwd of Lab, OverNrrit and Returned Payment
Fen. Your account wN be assessed no moes than three of
the fees listed here that occur during dry btthg period.
Under the lane d your customer egs""non , we nsarve
the right to waive a not to asseas any fen wtih owl prior
noNicetm to you wNhout tailing our right to assess the
sane a stratlan fan ad a later Unria.
t 5. Raready rg Your Amount if a membership ise appears
M the front d Your slatemad, You have 30 days from the
dale Ihts sill m l was naffed to YOU to avoid paying the
fee or to have such fee credited to Y. r you tercel Your
account adthoot having to pay the mardiershlP be. To
cancel your acr ornt you -it ndry us by calling our
Cusbniar Relations Department and pay your "Navy
Balance" In IW (mcludbg the nrernbershtp fee) prior to the
and of the Ihbty-day period.
6 N You Close Yerr Account- You can request to dose
your account by calling our Cuslaner Relations
Dspadmanl. You mat desboy your cncl cad(s) and
account access checks, cancel all PreaYthorized hitting
and cease using your account- Albr your request to dose,
if you continue to handed a do not cancel prawbodzed
b Nng aaang~s. as vA consider receipt of a change
your authorization to keep ym account open. AddillmaNy,
your accmr will not be dosed Will you Pay atI amours
you owe us InoWdthg' any transactions you have
authorized. finance changes. pest due fees, ovisibril fees.
retuned payment fees, cash advance fees antl any other
bes :sensed to your, account. You are reepwathle for
these -fti whetherthe/ appear on your accord al the
time you requast to dose the scowr or they en Incurred
Subsequent to year request to cbse the account- This they
result in Charges appearing an year account filer you have
requestad the account to be closed.
7. llahip Your AOeount Your card or account cannot be used In
cmnection Gth anY Intend gamDNng transactions-
B. Notice Abet Bedrordc Cheek Cormadon
When you provide a check as paymepl you authorize us
diner to use Information from your Check to make a oneatrne
alechodc fund transfer Ran Your barb account or In Process
the payment as a check transaction. When we use
Infomalbn from your check to make an electronic fund
transfer, finds may be withdrew from your bank account as
soon as the some day V'S receive your paymed, and You VAX
not receive your check back from your financial mslfuiion.
BILLING R1_ SUMMARY
On Case of Enas or Ouesdons about Your BNry
If you think your bit is wrong. or If you need ewe fidorrratiw on
a Iranadion or bill, Vase ID us an a separate shed s r - as
possible at the address for inquiries shown w the norm of this
stationed. We nest hear from you nc Infer ten 00 days other
we sed you the first bill w adrich the saw or problem appeared.
You can coil our Cudurer Relations number, but tloing so ad
and preserve your rights. In your Isryer, give us the WNOwkag
infomelion your name and account number, the ddlar anount
of the suspected error, a description of the sear and an
explanation. r possible of why you believe there Is an anor; or ff
you neat more I tomathon, a Cescriplim Of the Nam You are
unsure abouL You do nod have to pay any redound m quaslian
while vye an Investigating it, but you am sill obligated to pay the
pads or your bill Nat are not In question. While m Investigate
your question. we camel repel you as delinquent or take any
action to coiled the amount you Quesion-
L t Special Rib For CreCll Carat Purchases
If you have a problern vtth the quality of properly a services
the( you purchased with a credit carat and you have bled in good
lamb to correctthe problem w*h tie nmmhiant, you may have the
right not to Pay day renaming amaid due on Ita property m
service. You have this protection ony when the purchase price
was there than $50 00 and the purchase -1 rr ado In your
hone slate m %Win 100 rain of your malting address. of we
orvn a operate the narchad. of if are meted you the
adveisanar by the Prop" a service. all purchases are
covered regardless of amount orbcation d pumhase., Please
renumber to sign all canspondance.
t Does rod apply to cansunernon<redl ..,it accounts
t foes not apppy to bkw Lies of wred, t cad acfv:n;b
Capital One supports Inroaietian privacy probdion: see our
website el uani• eahialo ne eon.
Capital One Is a federally registered service nark Of Capita Ore
Financial Corpordim. Ail rights reserved. 0 2006 CepNat One
TC-0B
01 DM6056.I-01710007
impewtHpics: Psynwnb you met bas ail beaded bYar azwrdandIle humansdsy we reoeie AproNdd f1)you nil ate
coda" potion aths adamant and yarn den in In aidand ramitlnoe me" ad t2) Your payment is re cowed m our prowag outer
by 3 p.m. ET 112 roar Pr!. Plate May at lag two t5) busies days to Fred dicey. Payment novel by us at any, abrkansah a in
any oiler fam may not In cedld a of be day lie amre them. Our balrcs days as kbdey Ihmugn Sdwday, -wrig hdidvs.
Plater do Tel war rd.'pie. Paper Spa, ac. vdhm preparing your pwmeL
500017
Keen vour
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit history ...it affects more areas of your life than just. ynur abilih to get a credit card.
• [;se a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand that the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
FINANCE
Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date
C>13,411.54 - $299.95 $109.45 + $2,757.04 $15,978.08 $319.00 May. 30, 2008
Apr. 06, 2008 - May. 05, 2008 Page 2 of 2
MasterCard Worldcard Account
5466-3017-40962273
L?.?
r
Your Accountlnformadon f
Jl Hmde
TOTAL REVOLVING CREDIT LINE REWARDS'
$25,700.00
TOTAL AVAILABLE
REVOLVING CREDIT $9,721.92
CREDIT LINE FOR CASH $5,140,00
AVAILABLE CREDIT FOR CASH $5,140.00
n(AM W AT UEW THIS ANMIC,
Transactions (continued
24 19 APR DOCHOLLIDAY5STEAKHOHARRISBURG PA 510592
25 21 APR TURKEY HILL#280 069 ENOLA PA S4001
26 23 APR HESS 38285 038 CAMP HILL PA S4500
27 28 APR STt1BHUG.INC8667882482CA 559165
28 28 APR HESS 38285 0,38 CAW HILL PA S4503
29 29 APR HESS 38285 Q38 CAW H ILL PA S5000
3D 30 APR PAST DUE FEE S3500
31 01 MAY AMOCO OIL 05967690 HARRISOhBt1RG VA S3499
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 you minimum
payment to reach Capital One
Whether you're in the market for a home equity, ban or you're interested in refinancing , Capital One will find a
home loan solution to frt your needs We offer great rates no hidden fees and you will receive the one-on-one
attention of the same personal loan consultant iom cat to dose. Visit www.capitalonehomeloans corn for more
information
500023
Q ? O • Spread too thin?
Paying bills takes a lot of time: writing checks, addressing envelopes,
mailing letters. Get some time back each month with Capital Ones balance
transfers. Consolidate your bills and higher-interest payments, maybe even
save some money, and then spend your time relaxing, shopping or watching
the game-instead of writing a lot of checks.
Ready to transfer? See reverse to learn how.
Call 1-877-476-7939•
FINANCE
Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date
C $15,978.08 - $375.92 $132.40 * $2,425.46 = 518,160.02 $363.00 Jun. 30, 2008
May. 06, 2008 - Jun. 05, 2008 Page 1 of 2
MasterCard Worldcard Account
5411111,30174M2273
!
?
Your Account lnfonna on REWARDS
TOTAL REVOLVING CREDIT LINE $25,700.00
TOTAL AVAILABLE
REVOLVING CREDIT $7,539.96
CREDIT LINE FOR CASH $5,140.00
AVAILABLE CREDIT FOR CASH $5,140.00
F inance Charges (Please see reverse for important information)
Balance rate Periodic Corresponding FINANCE
applied to rate APR CHARGE
Flachmes S1751898 002438% 890% S13240
C ash SO 00 0 02438% 8 9D% 5000
1 WNUAL PERCENTAGE RATE appied this period: ILAOX
At Your Service 1-Mr-6-711ITO
rd-' To car Olslomer Relations or to report a lost a stolen cad
' Send payments to:
Capital One WUSAI,NA • P.O. Box 700M • Charbae, NC 28272-0884
' Send Inquiries to:
CWital One Services- P.O. Box 85012 • Richmond, VA 23285-5012
For More Information on your Rewards:
Visit: wAw.capitabne.oomAnilesrevsrds
Oat 1-800-228-3001
Have a question about a charge on your abatement?
Please refer to the Bung Rights Summary on the back of your
statement or visit www.caritalone comlds routes
Rewards Sum
PLEASE PAY AT LEAST THIS AMMINT
Previous available balance: 27 381
Earned this period 1:743
(reflects transactions posted during this bang cycle)
Available Balance 29.124
Pay ments, Credits & Adjustments
1 13 MAY MARSHALLS WU MECHANICSBURG PA 534.93
2 15 MAY WAL-MART #1886MECHANICSBURPA S694-
3 15 MAY TARGET DD022020 MECHANICSBURG PA S1499-
4 29 MAY PAYMENT S319 00
Transadions
5 05 MAY THE HOME DEPOT 412D MECHANICSBLJRG PA 54255
6 OB MAY BLOCKBUSTER COM 866-692-2789 TX S847
7 08 MAY HESS 38285 Q38 CAMP HILL PA 54503
8 09 MAY MARSHALLS #834 MECHANICSBURG PA S3499
9 1D MAY OCS#0203MECHANICSBURMECHANICSBURGPA S1258
10 10 MAY CHARLOTTE RUSSE 253 CAMP HILL PA S49 98
11 11 MAY COVEI IANT EYES 983743-1100 MI S799
12 11 MAY APPLE13EE S MEC07201007 MECHANICSBURG PA S8592
13 12 MAY SHEETZ 00002287 HALIFAX PA S4000
14 13 MAY WM SUPERCENTER MECHANICSBURG PA S19552
15 13 MAY JO JOS PIZZA MECFIANICSBURG PA S1201
16 13 MAY SILVER SPRINGS DINER MECHANICSBURG PA 52736
17 15 MAY AMZ•Amazon Payments AW04 COWBILL WA S8794
18 15 MAY GOOD HOPE FAMILY PRACT SOUTH ENOLA PA S5000
19 15 MAY GOOD HOPE FAMILY PRACT SOUTH ENOLA PA 975 00
20 15 MAY PURCHASE CHECK 1 2512 0852819D S1 D26 67
21 16 MAY PAYPAL *SOUTH COAST 4029357733 CA S4684
22 16 MAY MACARONI GR32700003277 HARRISBURG PA S3997
23 16 MAY TURKEY HILL #280 Q69 ENOLA PA 55000
24 17 MAY MCSBYS PUB MOL44T JOY PA S2165
PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE.
0 5466301740902273 05 0000000319000363007
41:ilpiwow I what's in your wallet?'
Account Number: 5466-3017-4090-2273
New Balance Minimum Payment Due Date
C$18.160.02 $363.00 Jun. 30, 2008
PLEASE PAY AT LEAST
THISAMOUNT
Amount Enclosed ,
Capital One Bk(USA),NA
P O. Box 70884 l t l ttlartliltalttalall
Charlotte, NC 28272-0884
lrtitiininrlrlinrlulAl llntinltlnIIElnllnlnioil nrii
Please print address or phone number changes below using blue or black ink.
Home HSone Aderrwre FAcri e
F arad adrD-ess
#9015821147452950# MAIL ID NUMBER
BLAINE KIMBALL
TRACEY KIMBALL
825 CLUB HOUSE DR
MECHANICSBURG, PA 17050-7622
to lllnrlllanriririiIt intitlinnirinitinlritirintlit
Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope.
Transferring balances is easy. Here's how:
1. Grab copies of your other credit card or loan statements.
2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer
and mail them off.
3. Or, if you don't have checks, call us at 1-877-476-7939 and ask for a balance transfer. We'll walk
you through the process step-by-step.
4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line.
5. Enjoy the time you'll save!
1. How to Avow a Finenoa Charge.
a. Gaea Period. You willhave a ni inum gate Pentod a
25 day. without Mnance charge On nevi purchases. new
balance transren. new special purchases and new
ohr charges it you pay your "W "New Balance", in
accordanee with the Important Notice for payments
below, and in I,- bas a b b credfed by your mymed
due dale. These is no grace period at cash advances
all spact.$ li sirs. In oddltlon, there Is no grace
period on any transaction r you do not pay the total
.New Balenc?a "
b. Accruing Flnerwe Charge. Transactions which are not
subject to a grace period are assessed chance charge 1)
from he date of the Irensoctlon or 2) kam he date it.
Iremacfa, is processed to your Account or 3) from he
asst calendar day athhe current Willing period. Additionally,
r you tllo not pay the'New Balance" from the previous
billing prod In fur, finance charges continue to accrue to
your unpaid balance will he unpaid balance Is paid in
full. This meal that you my s11111 eve finance charges,
even It you pay ha miles New Balance Indicated on the
frond of your stalerren by the payment due date, but did
not do so for the previous month. Uhpold finance charges
are added b he applicable segrod of your Amount.
c. Minimum Finance Charge For such bevy prod that
your account Is alDject to a Menke charge, a minimum
total FINANCE CHARGE of $0.50 will be Imposed.
d. Temporary Reduction in Fkence, Charges. We reserve
the right to not assess all r all gnence charges bas all
given btiMhg period.
2. Average Daily Believes (Including New Purchases).
Finance charge Is calculaled by mu/iplybg he risk
balance of such segment of your account (e.g.. cash
advarre• purchase, special kanslor, and special purchases
by he corresponding daily periodic raja(s) that her been
previously disclosed to you. Al he and or each day during
the baitng priod• we apply the dally periodic rape for each
sag rd of your acdount b he daily balance a each
segnant Than at the end of he billing period, we add up
the rsutis of them dally calculations to arrive at your
periodic Mrencs charge rr each segment. We add up the
results from such sagnert to arlNs at the total periodic
fink. charge for your account. To get he dally balance for
each segment of your account. we take the laagi-i g
balance for each segment and add arty near Inarneaclions
and any perkstlk Mnance charge calculated on the previous
day's balance for that segment We that subtract any
payments or credits pooled as of hat day that am allocated
to that segment. This gives us The soperale dally balance fit
each segrreenl of your amount However, it you paid the
New Balance shown on your previous statement In full (or If
your new balance ors zero or a credit amounq, nest
trensadlons• which post to your purchase or spectra
purchase segments am not added to he dally balm". We
calculate But average daily balance by adding of the daily
balances together and dlvkfng the sum by the number of
the days in the currant being cycle. To calculate your total
finance charge, muNply your average dally balance by the
dray periodic rate and by the number of days In the "Mktg
period. Due to rounding on a dally basis or due to rtiiraan
finance charge assesamem, them may be a valence
between this calculation and the amount of Menke charge
edualy essossad_
3. Annual Prrsmbage Rates (APR).
a. The teen "Annual POMOMage Role" may appear as "APR"
on the front antis slalenenl.
b. It he code P (OuarbM Pdmel, L iOuadery LIBORI, C
(oumody CD), or S (Bmkcad Prim) appeas W the front
of this statement nod to the periodic mas(s), the Perlocic
rotes and corresponding ANNUAL PERCENTAGE RATES
trey very quarterly and may Increase or decrease based
on he staled Indices, as found In The We# Street Joumel,
plus the mrghi pevbusy disclosed to you. These
changes will be erectile or the first day of your blMng
period covered by your periodic slot ervent ending In the
mclahs of January, April. July and October.
c. if the code D tbbrthly Primei. F,AAmrMy UBORI, a G
(Treasury U80R) appears on the front of your slelenent
nod to he periodic rele(s), the periotlk raps and
corresponding ANNUAL PERCENTAGE RATES my very
monthly and may Increase or decrease based on the stated
Indices, as found In The WON Street Journal, plus it*
nmgin previously disclosed to you. These changes wall be
efecMVe on the IMSt day of your baling period each monk.
1. Assessment of Late. Overanil and Returned Payment
Fes. Undertho terms of your cusloner agmenent we
reserve the right to "Ova or not to assess all lees without
prior n fin :alion to you without weMng or right to as sess
the same or sMlar leas at a ire Mme.
5. Membership Fee red Ranewkq Your Accourt. r a
membership fee appears on his skaleme i, ass wM credit the
fee If you fob eal to close your account vdhin 30 days ahe
ma6rrg of his strenamL You trey continue to use he
account during he 30 day period before your request. It you
do not pay as charges owed on this accent with In 90 days,
or it you use your credit card or account offer you request to
close, any membership fee previously walled may be
minstaled to your account
d. Cioskg or Sumpadkrg Yor Account. You nay request
that your --I be closed by calling r Wrpkg our
Customer Relations Depadtrent. M the Bone of your mquast
we will provide you with additional details on closing your
account. This nay Include payment Momiatlon. If you use
your credit card or charges post to your accaunl den you ask
us to close your account. we can keep your accourt open or
reopen a. We may dose of suspend your amount and your
light b ablaln credit We may do this at any titre and for any
reason , even If you are not In default. A suspension of your
account con be pe rnment ortenporary. If your account is
closed or suspended, you neat slop using your credit ,red
antl account You meal also cancel all prsahalzed bgrng
anangenraas to he account. We will not do this for you . If
we close or pemrenensly suspend your account, You -1
.h. destroy all credit cards and account access checks. You
mull sal pay ON amounts you owe s on he account even If
they ware charged aver your accmnl h closed a
suspended.
T. Making Payments. Payments you mall to us will be credited
to your account as of the business day we receive M,
provided (1) you send the bodom portion of this statement
and your check In he enclosed romillance envelops and (2)
your payment is received In our processing center by 3pm ET
12 noon PTy. Please allow at least five (5i buskers days for
poalek delivery. Portraits received by s al any other
looalbn or beery other form may not be credited as of Ito
day we receive hem Our business days am Monday through
B. Notice About Ebchro is Check Conversion.
When you provide a check as payment, you oulhorize us
either to use bromallon from your check In make a onadkru
aleckonic fund transfer from your deposit account or to
process the payment as a check transaction. When we use
Irtomell from your ctwil to mare an electmric fund
transfer, lands may be wrhdrewn Ifam your deposit account
as soon as the sane day we receve your payment. and you
will not receive your check back from yournnenclal
inslrulbn. Your aulbod-tbn Is not Ikntled by the data m the
chwk_ We may mwbmk and aleckonicary cored resumed
payments.
r. Bankruptcy. If you are aided to bankruptcy protections for
your accourt, his comm+Ncatbn is only for laorreitorel
purposes. N is not an attempt to collect, assess or mcwer a
tied or claim Dona send any parments dkeuily to us
without speaking with your bmkmpicy attorney or The
Bankruptcy Court. If you wad to cored us about your
account or your bankruptcy proceeding, please have your
attorney contact us.
tBILLNG RIGHTS SUMMARY
(In Case of Enos or Ouesbns about Your Ba0
If you think your DM Is wrong, or ryou need more Information on
s Imnsadkn or bill, write to us on a suspends sheet as soon as
possible of he address for hatuldes shown on the kohl of this
staterret. We must ilea from you nn IWe Mal 00 days alter
we sea you the first des on which the mror or problem appeared.
You can ctl our Customer RelWkrhs number or nary us by
small or w eballe, but doing so will not preens your rights. In
your leer, give us he following kfanefbn: your mare antl
account number, the dollar anoua of he suspected eror, a
tlesaiptlah vita err and an eoplahalkn, rpomde, of why
you bell" ham is an sou, or ryou need more Information. a
description ahe Man you se unsure about. You do rot have to
Pay all amount In question while we are Imstigalbg IL but
you am Stitt ofteled to pay Its path of your bill hat am not in
quaslkm White we instigate your grestim we canna report
V. es doitngeent or lake my action to cored the err 1 you
question
t Special R.I. fa Credit Card Purchases
If you have a problem with he quality of property or services
that you purchased with a credit card and you have triad In good
faith to correct the problem with the rtuachant, you my have he
right not to pay the remaining amount due on the property or
service. You here his protection only when ft purchase price
was more than $50.DO and he purchase was node in your
hone sire or within 100 miles aycur r uftg address. (If we
awn or rip a the merchant, a r we nraled you the
advetiserrvut for the pmpey or services, all purchases are
covered raga dim. a amount or location or purchase.; Reese
mrenber to sign fir correspondence.
t Does not appy in btwhess -'s
Capita One supports laomnatlon privacy protection: see our
wobsile al g
CaprW One is a federally registered service mark of Capra One
FlnehdW Corporation. Ail rigMS reserved dt 20W Copilot One
knparea We- Pymais you mkl as us ail be uedied In yen accost as of the buses day rw reriys iL prowled (1) you seed the
bdlun portion rife aWmml sal you dudk in he wadm d renftl a nnapo end (2) your pymml I. recsyed in our pro ang aver
by 0 p.m. ET 112 man Pry. Peas WI- a Merl five IS, busts dry. er Israel delivery. PWnere,ored by us a my odor luafim or in
all dha form may eat be awhed r oMm dy m r-im gran. des bmi w dye ore Wndy ewsugh Swurdy, rdidmg hdiday..
Plae do ml m sepia, Prat des.. etc ohm pr?eing your Pymmt
kcapind
510017
K
ur
• Know your credit limit and the amount of credit available for your use.
• Maintain a good credit hisu)rV...it affects more areas of your life than just your ability to get a credit card.
• Use a budget to help you see what you can afford to buy now and to help you save for the future.
• Understand LhaL the cost of credit includes fees as well as interest.
• Request a copy of your credit report from a credit reporting bureau regularly.
FINANCE
Previous Balance Payments & Credits CHARGE Transactions New Balance Mirlimrm Payment Due Date
CI5,97808 - $375.92 $132.40 + $2,425.46 $18,160.02 $363.00 Jun. 30, 2008
May. 06, 2008 -Jun. 05, 2008 Page 2 of 2 ;t
MasterCard Worldcard Account
5466-3017.4090-2273
Your Account Inforinallion
TOTAL REVOLVING CREDIT LINE R $?A700 00
TOTAL AVAILABLE
REVOLVING CREDIT $7,539,98
CREDIT LINE FOR CASH $5,140,00
AVAILABLE CREDIT FOR CASH $5,140.00
nUSF PAY M LEAST THIS AIAWW,
Transactions (continued
25 18 MAY THE PATRIOT-NEWS MACTI 717-255 8237 PA 547 60
26 19 MAY SHEETZ 00002014 MECHANICBURG PA S45 D1
27 19 MAY NAPSTER'ID 443906790 800 839 421 D NY S0, 99
28 24 MAY HESS 38265 038 CAMP HILL PA S64.99
29 27 MAY SHEETZ 00002003 HALIFAX PA S5179
30 28 MAY SILVER SPRINGS D INER MECHANI CSBURG PA S1513
31 30 MAY RN *RHAPSODY MUSIC 8%834-5509 WA SD 89
32 30 MAY HESS 38265 Q38 CAMP HILL PA S55 DI
33 30 MAY WESTY BEER DIST INC CAMP HILL PA S3179
34 D1 JUJ WM SUPERCENTER MECHANICSBURG PA S8188
35 02 JUN HESS 38285 Q38 CAMP HILL PA S4&01
36 03 JUN PAYPAL'AUTOTRADERC4029357733GA S25.t7D
Whether you're in the market for a home equity loan or you're interested in refnarring, Capital One will find a
home loan solution to fit your needs. We offer great rates no hidden fees
and you will receive the one-on-one
,
attention of the same personal loan consultant horn cal to dose Visit www caotalonehomeloans can for more
information.
005113
CUSTOMER AGREEMENT
Welcome b Capital One* We are pluaeed b have yew credit card a hint. This and kaswi be subject to Us Agreement and he Seem* Account Assignment
CsWw Agreement canMis i io n don abod your account Please read it and keep t Agtea?ht0tappkrble} Ary transactions harored In etas ofyour crediitiml
fa your mcords,Yaw", , wk%ugtrtosc m oWaccowd(VAAg ff mr) ?treepimaniureata0fyour cmQtireitunless weexpreeclynowyou
consiebofiti OxionnowAgiummo Ml l wihaydaigKloilisQsbrer Otw*ke.
make as pousdW bigger. is Seatrly Account Fapplcable} the
=W~ AV--d (I applea
Ona Neves, any
t padded ad dYkar, to o}b?tue lire yP*Wmff account
bdosra puerM to teWma nfis MTmh In Landing Act
the" Dtedosp se), swat: any mbeequerdrnoices of danger
any decteie or 403M egrhme) a any sppmalm going slip or oterewiderra of"
iruibhbdries on your account In this to wds you: yard ant 1-1
rdatoeachpersonwhosigedto urfatheaccout(sackajobd
IdWftl aid 10 anyone on wI Is salhatted b use tie In (gach,ah'AuborWd Useq DOWasspecdealygftdhwde.each ofyrwis
bdAiidualy arid Ok* ft M cede OnAwamot. The wads V%' W wd'ots'
mean Capin One Bantu and ib sameaara, assigns. M" emdbr eWtoRad
repwanbMvea nee appkdo n cone MOMstaed nMts account all be a
Account' this mum ft 'hit AgwmatwdnoSSaahdbrAceo"AAsapnisnlApamwd ?pleabte)ao not
aPPy leay oarerCCaeppied On Bask axauatst you may haw, eL Mw m fn the
loose. except as prodded In he AMbalm Provides below. Unless you have entered
into a Secury AcowtAssignment Agreement wMn us, ft amount Is usem md. Eaw
not somme by ay omrproparb, apneas M to bras many other
YOU and we are subject ifb can data/ enbreng any Moe right rota
w1ho t berg them. The cod t and remains our popery, and you wig
at any One upon mW-L
AgrewneM b an aaipse. The aeipresawil iece ourplats undo Ins AgreanaK the
gom*A=Wt(efp?x ptiiceble)wdNeSOCU*Ascama anatAgnsen?wne[e(t 10 to ,W or )bearsilidedGptM Bw# Younwpytpssigmeatddhe p
perbmi all Myer obgalas u lerfhoa aprwmetts You mayr nMbasferyes
ac oor)atd$fcinchtieApwmKtheS@m*AmmM(dappfcahb)ais
a se des ejkAgme me twil
our
HISFOCIVIR strcceswm, sloe and
Using Your Account You can mate purehasas and obtain cash advances [[tech
advances se an oplow forywur atmmu4 by using yourcar4 amountnunber and any
chocia TMWKClscke and ottsAndsc" nMwe my send to you . Addlonelyr, you
has request a slip payment an sweet access decks. br tw am"
ten dgnib
rge you s fen brsucb nerviest Whanw provide you win axairntactys drat s
w wN W ywar wMMr nywi be kabd s peur]rases. pelt adraxa or spedel
tasters. Unless we ten you afeuwke, 0onveuteruce Clucks wri abrys be treated at
ash advances. Wb ray esbbleti dlMtaegeenb foryoraaroun. such s a
puehsesegment.acooWvamuceagentsaridaspecMbaleP cagreetEach
segment rosy be sayeet b bras and carillons tel are dbrwd far toss ha are
Our Willy, tair arya watgiddidrabrof an mount seem d" is Invited to
wi it amwW damages ew the easxnt and M to check. NO ad include any mirmsWasils! damages and in no event
You ages not b asa the cad oraccouMin mreeclon win cry Internet or iege
taMUGeg traocacYws bit any bNarrot or r gwrbGuo tasecloncAl whkAyar
engagerlAnecard aaxoirMavarlWetsan?beabysd` bnkAgmeneMadte
SxuiyAcamstAstiOmeMAgmesM(d eppGxbio)
Your cad and awourt may only be lead brvafd and Iardet purposes. If yes use, or
aaghorbesommoneebebse,theantaaIIa it 1, r aymanbbwflminparmbsible
pupae, you wig be responsible brash use and may be Mqukrad to raaburse us and
MsbuCad International' - F orated 1bn11aCad' or Visa USA. Inc Yea,' as
appfabla, or their auaessas ford aacrmt or expenses nMwar fey pay as a
nattofwch umiaw Ui a bupariiselife use. In any mint, arty un arkd or i npemissible
bamsacfons in which you epege Nigh the card or accout sverlwleas win be subject to
ticAgreeontaWisS,Aao ntAtapnwMAge mM(7appieeble).Yes
ague Gat w are itot lsyme r ' -to haerymr corder account
Iyou bad a p or credf ant or Mow acamrwin s, orsuch an acoum or balance of
such an aecaedws tnrelarml to s none Maur MgMs, and you spread to neii
he beisa of fre pdm actomtin Ice lam cfymwnew accoua, the new accormt wil
amen Grarea chugs from the this net to now acoamt is opened
Aute dead Lens am Doti eiWj ra immil lr for the arLamt An arhafzad nap may
use a =0 cad, can fequest certain amount WormoSon and an request b be rwwoved
from the amount Subject to our dbordoa, an aulodM user may not be able b hllfat
certain actors on he account You agree b prwAde s wUi bbrmafon idwNyinp any
poems you auhat to b se your account In cl di g their name, address, dab of kern
and other iderilift informafon we may request
Exchange Rake. If you make a transaction in arteacy Mrs nun U.S. doibrw, VISA
IntemalonalaMwbfCwdMenelo afwigcomethedsgeacredd'akaU.S.
dolor amount In accadimwinM&operaYy eg orcabetsmnprocedures in
elect Mho tae he b umacOon Is processed. VISA Intemdonars regulaio s and
procedures provide the Meelue Apes 2.2M5, fie exchange rate beta an the
transaction c!"Ficy and the 67np currency used fa processing inlandonal
tra , Iorsaether(1)ambredacted byVISAfrom
herea?eot aruesio
whabgae anncy males ter this appefcffib cerY'M proasemp dab, which rob may
? from cob oVI ram meeker or (2) to govement mandated rate in slat for
processing dab. MasterCard brbwaiorars reglakons and
r 2) apgouernmeM od main etbct on is day of f he pcentrw processing
dado,
Cash EWhotentTransectlms I ash advances an an opim for yam amours, you can
use your eccigi t b purchase calla hems haw egad as 'cash squiWant
basactors.' Al csh equWW tweadons wi be trwsd n ash advaces and wtl
be bled b the cash advance sagmentafyur account Cadet egtnvaet bxxsc ens
iwcida, miMoatloitdgn, /e padres Moire baste nraey odors, lies, bltery
Ickes, Casio ganimp chips and Mgr sessile pales atervics. Notiing In this
paragraph wig be inbrpnbd to validate any transaction flat is udawdul or sripenrussibte.
Your CmM Limit Your info) =0Inhf WI be dscbsed when your ammird is opened
[a aclvab?. der brifafy, or at my bar line. we may eshblri dbtfaotcreditlknis
IeMap* to d i emMispmms Myer amount (such as purchases, =0 advances and
special bastes). Yew current OVA link wig be dnlid in your perb6o stoomeriti
You Was 0a to slaw the behina ofyour sem uat WuGp NO transactions, tome
chops NOW DIM 1148 or Chagas), ort the balance of to apple" Segment of your
amount to exceed the appiable alt finis. If you have been given to opium to
frveaseyour Ought renfbyaddngleft b SeaftAccount (If appiahio).we
reserve to dote net to Increase goer credit frdt Ithe addloal laodt are orovilad whin
your accountIn W defantt WB may Increase or deemse your credit limits aany time
without Wa to voce. may teeeaaii kxaeawa rr dwyaaae- -ie N.V. coo
aoigr b again gash advaneos. yye may toner tratsacMens
even if those bunsecions resubin an over Miles, and he
AdNoW Bereft and Services. From Irm b Imo, we may air you bends and
servioae wlm yen account Those l IIIe and services my b i provided bT ut or
find parsec Unless speedy madea part of We Agreement and excepts
appoolaftAgeeneKaiProvision d are snbr below. my such berieft ad btobo and services viro
Into' -1 orwWmbmdsuaaWotwofidddoamrrtksmalledbyw
wis mspw2b the brink ad swviae. Wa mays" e1d, a debb bwaMs a
arenas May time n aecordarca rlh the brodnres a docuoenlr you recdue.
In ad 1, any such 6 ers0 or sww cK 0, eel b you in the mooLOWW weskit
of the'%ft b ftmW steal replace ad supersede is Wells at anus
nethodbeenoimdbyouInW )xudousm b offtrAidetoBem&,'
witroutfrlsr nalce. Except as prortded by appleMe low, waste rot Ifabbe fa
burieR service ; provided by fled pates or be eefom or omissions d those
Hit! parles.
Meting Payments. You promise b peg as and we lade for at amounts due
manes tam f ahNsdred use Myer ced or accooK bdu iii g ay inarm
charges and oterehargec due trader the tans of f Agreement Payment must
be made in U.S. dd w Psymwt made by a chadx, mriborrwwyyod b e a ofwr
negotabb InsbrrneM(an IMMI anal be in a bat axepbNe s end be drawn
on a U.S trren 1 in skilim. WM mayslowb pgwts and clsreredae and
poaedc aaraht Ihevabs ea9 1 l ofyo r ammK wd bdmgeg ad
powcipadua gmcbsgmeKbaywaywddmwJ%.AduI balances
OnMftiwlhhigI MUftnt)wdbbw racrndperanlageoftVJW4babe
tolonceherAPIts.
Payownt you real to us a the address for payment stead an yam peiock
Ste- wilbe gelled b your aseotmts Mme kakass dy we receive R
presided (1) you send the Mmiterm ooupw poriw M F. "rl, sbbpord
and yyooturm died in the resistance envelope podded ad (27 your psyment's
receAred in our ptooasebp oataby t Gam indicated on parr podock cob hrooK
Pbse slow a kaMlve (5) bsbsa digs Joe "M dslo ry. payments received
by t "xVdwbmnynotbaaa6Ydasoftoday
we room twas Our bumm CmMaaih'fymybeddrMna f fabdieca axaab payment d
funds. If we accept a pagmrMata m Dom plow we my delay the emoting of
fe ps ymatfrry b f er (5) days. Tits war case you m iota Mepeymad fnea
and auldtond ba ce charges, and may msutin your account being decant b
be In ddalt
Any urination paymnttat is due win be Meted In your pedodc sbbrnmt You
Must py a MW go minivan payment due by the deb .lint in your paiodc
sW~to avid a Ma payuat fee. Hiwswwr, you maypsy rear ft
minkegan
do" VA
txarGee to be anomor pay ter I , in rot. In any Mo. d duals Ming pedodstoyou rsrry y a tudarica regadlss
Mwrhdierm notyourddn wt down amibmw pWmwt des.
Wle can amapt bb or pail pa mmK or fns ma ad payrowit in
bf aaGwwdar or palasaswhnarequest bap*Ikepaymenno
apaGglarnuner,wil boigayoforarightsundertrigAgreement
InGrAng our rtglnb receive paymmtm fun. No pywtMsl opermb as an
accmdadaafaaclmwwwownwOm LAI- ifw
commwrialas eanawrirrp dsprbd aneourns,mrcludnq any clerk a one
payraMInMromatfattdceil tin is paywM Iona mpms'pymn ntin flint
he amomtmwW orfidb bndesd win Mee omdww orGmlblors a s fed
ssfteclon M a dyWed amaurdrmstbe nheied a deNaed b C.apibl one, PA.
Box 85010. Ridrmmd. VA 23285'5010. You wl ant neka payments from funds
Obtained from inmead orayother aadtaecaatwMhus.f ?aymarbis
Made b ay other address, we may soup[ the payment wtFoitloakng cry Of
ou
TWOOL
Wan you amt is drat(.) b make pymeMm your accomt you auteorke us to
n dmacmarnsebdmrsckwMabomyawbankaaouMbrtheamuMMMe
deck as imedceled by mwericd Agin. Thb aulhWrdm sppfes to al dthecl (s)
nceivW by us dudrg is biro pW W evwn if aatby som m ebe, w1w you
agaa syour agar and ws prodded writ ten d od ma b edvence. Thk
artlrorf elon Is notnstrkbd by tredae onto csd and Inc uds meubudsaas.
Wes wl wtbe bmnd by rabkfw bgad orme3& appeabg n tee face
ornwaddeofft xwcamMproaafaebcM. "kasfer.yw
a lbodar s b mate a doaye a(Iewyour bank aeoout by "Missing the deck,
subsimte check, dref a swim usbment.
Wemya Wyourremuntas epiwapdebbcorrect arm,moanedieens,
rejected debis ad si aaar mate re.
We may, in our a* demotion, olbr an axpegad paymeMservies. You am riot
mq*W to are fries service. tWsn you autlodze is to prows a demand dal,
decma is ACH debtor other empet led psymeM motel for your accent, we may
chase you an expected payrneMte in an anount deciesed to you at ft ore of
hecoma.Minarenotrspasibieforanyr- , tofhepaymentbyyou
depotiby, irsibdon and may rmfn to to in tlu wad ofesh dishonor-
If yousheyour amount ntniberaOliver smomlinbmw wbaotherpersono
macs a payment b we or to actor your behest, you agree hat we may dsaas
your ta acwA agree fiat f yyoousswigbe and process ft payment mommift for strenewmadebyyou.
1*
non-payment by suchpaty.inehdkrg etcpedAW paymm nentt tdsum retura psigM payment
t lab
payment sad over Emit fns tlYe reserve tls loth b muse b accept paymentn
you tanager to permit another person to act on your behaf.
Periodic Sblement Each modi thetyou have a creditordetT balance of more
thanS1 b your amount weagl awl yea a periodic statement as and when
required by applicable low. The pemodc sbtementwll shwa al tasastos tied
to your accountdukg the tiling period. The Nip period is the time to one
skdarreK Closing dft.femgh ad tnCimip ft ned statement doakp dab. The
sb bmartclosing done deertaas is commit of aspecifc big period. For
exanpie, your Mi sy Nip peOW is fie b1Gp peril with the statement closing
date is January.
yFinance spat tMtoTMAccount Disdom sor as we 'I as previously you V d red
by aDPkable law.
Temporary Reduclm in Finance Charge. We reserve the right b notassss any or
at Imance4 ages for any given bl'ing period withoutwehdng the right to assess
such Inane dupes in a frtore Ming ptwod.
01st Fees and (hags. The blowing fees wB be bled to he purchase segment
of you saountand wig be burned as a purchase and appled against your
avalabie credit ling. on= otandse speclfed, In awry King priori in which
p4mM ey in ire fork payment mdbwi b asawd Ben do rat receive you
th
stated in your periodic statement (a] an war kM fee Inwig be wed e
M the
babax of your account for ary segment of
your accounQ at wry time daisy tun bang c1de, for any mason, is prowler rear Ilea
applicable ahrrporary or pamanad =0 bA (mpaNMes ofrhWw you ward over *A
es a m dt of a bummidq Mw Berge or any oba tea a charge, eves r approved
chedt ? any now, copying charge; for dtplwle copies transad ion
docussafon or periodic steterrhanv will be assessed on a pr basis, unless
mgrimd for bfty depse mwkb, (v) a reamed pelahmnt be nil be assamod N, for
any reasons ( a dock, draft or sinuor Irediunnrd Is not honored or cannot be
procaawQ or ) an dedronic debit is mound unpaid or, , be processed You
aulraize s to resubmit oared puymoai< In our dlsomilah. At car opdm, we may
amen Ids bt each I= yon PWffdtd it net homed or paid, OUR It s leer letrorod
or paid foloeNg msubralWom. Any check drR or sifto isbunad my be Cdkw
eledro ic* I mhnre, for inarlfdent or uncoleoad kndc Via may rlmrge ay of
leu an or clamp a, or add additW Teas and choral a prwided below. Vb
reserve the right b wan aayy of Bess lama ~ prior rollcarmh to We while
mantaidrg ourWoo asmacthase bas acing forward.
Cash Advmaee Fee. If cob ad mnoms are peralit d for your swoua, a cash advance
be bNnce, dregs will be W amassed each inn you obtain a cash advance or rack
)Pued Yaw (cow h bh as& iait The mom of to ads eB&W= loo bunco
dnange will bs added b oller " , m dams shorn m your pr ock slalmmrd ter hie
pulp= d aloddrg to mensal po lovilepe rate for 00 blfng priod. This may cares
be annual pocafti a rate disclosed for that berg period b be greater than the annual
percentage rte disclosed to you
Yembaasfp Fee I applicable, a membeisMp fee will be Imposed in your lest bi
priori urlen p cif sftd obawim B de memberhip In is a a and annually.
it WE be annum n tai big period n which each eadvers" of the opening of yaw
amount cones It to membeahp In is assessed no". I will be assessed n each
Msrg pedal. The to will be hied to am podm a segment of your accent arc will be
treated a a pwdews end applied against your evagabbcmrHlisl. Mm membership fee
will not be refueled, in whole or in pad, men Iyou or wecauxh to a toad.
TranshrFee. A fee wA be assessed for each larefa of furele from your account to your
Security Account tuna ym request The be will be billed In Ion dab advance sa/rad Of
yaw account and will be Imated a a cab advance and applied against your odable
;edit firw.
Foreign Tra sedlen Charge. For cab trarsactim made in a country deer than the
US, of US. Tonalities, we will assess you a hence clangs se prevlohny disclosed to
you as part of l be TIA Amount Dlodossm or as we win dxfese to you if required by
applicable low. The be will be based an the U.S. dollar anaoddrie sanseclon.
Caft Buns Iafama6m. You agree tot we may obtein l 01 101 about you kom
credit reptali aga do; or others st aqr 1ne and use it for the purposes d oonilorilg
your craft porlomahce, maaging yaw account and considering you for low aM and
programs
Serominlaeat The i m; and Cgd*m contained! within iris paragraph apply ody I
be hr to 8rxelad shad the rim ammttWll be a marred seemed You
ssec a pymmd of be balance of which lawe been the amount and al T
al dha amounts The
come of ft Agreement and to Meant Asswrmert Agaleneirt you hom
A r11p1e?tr IS>a. to Accoou M, all psecially raedaf In tsedhd all
that woe paced loco the This am* lideverl Includim, Sam* Amo:ad, any @M ds added to the Swiftly
Acaut by ay perm and arty nhmat earned b a enausd plh M Seaely Account
The tens of be smelly intern we aft tore In fur Secory Account Assignment
AgrauesM you amended. I 0j you detadt or fail b apace by ary of IN terns of bs
Agrees mat orl e Sol* Aalounl ASSpsentAoreemfiL M you dose your a courMa
(r4 we wroN ymr amount ter ay raison, we may then or t her saw and nitwit Dr cer
.1. b you, Qe1d. mr seawly, ihWad by drkrcdrg from your i.a Aeedrd the
balance An on )oar account aid el ddNr anamk co" under In come of to
Ayaemed and Ira Seem* Acaurl Assignment Agreement War may sum m In riots
b maim each dadrdon son Your Secu had pModicaty as we debwnreb be
appropriate.
fu ? iSeaarityity Account to tdais your accaft Is d=K he person lag* wOW to we will _
mcelve them all
remaining
Future Olen. The Wm of any Lass offer mating b tun accord will be disclosed In
you lime ft hanmoedefay olhav ion s?pecttled n taccap! he opera alter. the arm will becorrN eifeedve
we= Default IBh a n our sole discreti on declares default under fin Agmenent if (a)we
do not oeeira tN 1tA amaohmt of eery mkimum payment on or before The dale I is due,
(b) you exceed say on& tedt or (c) an ill used b maim papa rt an your saronnt is
not hemmed or cared be processed, or on electronic debt b crake payment on your
accmed is msrmed unpaid or c and to processed. To to cad pemoidef by applicable
law, we may aso, in our sole discretion, declare a do** under Ids Agreement it (1) you
violate cry of the ether vans of ft Agreement or Security Adxxmt Assignment
Agrealmd Of applicable), (2) we have declared you to be In deftull undo on tams of
any oft agreement sib us or any of our aRiates, or (3) we determine Uus you made
any false or misleading a- I me onyyaro1nr applalon for, of ragedng the use of, be
accanrt or gbaw11e attempted lo defraud us, (4) berdnupky or other nmk-q
proaedirgpa ar how ow by you a agalrft you or (5) you de or are declared legally
incompetent or hicepaialod. At eery foe holoming any deWdt undo Ift Agreement
afterwetpve you any nolica or rind In, rum the default. I required by applies e
will be su*d b payag narst, finance dmrgn and other teas punawd to be fame of
tlrs AyrBeeBlll kndudirg erg applicubla default rice, sash aver any p' rdgrrmtd Is
Obteiriot Addilwely, we may, it t our sole option, (nt1 bait or not atkm you b maim arty
new purchases or crib tmran dform on your seeourOO), (y) inlasse your mina m
payment wile such data as may be required by applicable law or (z) sulood to the
bffg*m of applicable law. does your accouno) ad ebmad Immedets payment of
the emnfm orsvndrg below pis all ormr amounts owing under Ion terms of ft
Toes ?fmSecuriyAkxaatAnspmmrdAgrseweM the exlent pernafed by applicable Imo, you agree b pay us all of our abral court
toss, cesmhton a perms and ssorneys fees fwh*w paid b an alowey who is one of
our of or an alasey who is not one of our employaea) Incurred by us in the
collection day amourdym on us ardr fts Agreement You also agree b pa/ us all
of our actual cat fW we nor in mildsving your ode, rrrduda4 my cools we may
incurty havig ymeaeeountpvad on a rot Ndiug n bs paragraph dial be
tormned to waive or Impede our right to mom arbitration in accordance whh ion
Arhitraam Prevbbn below.
Account dosum and Sesprmlon of Credit PdvBmpes. (1) VAa may, at any time, will
or Without caus,wAna without advacenaice,andregardless. dlmourieresor
nw,eA$*nde of a desert under to Alig l caned tun socaad a dior Nmpordly
or pernNMn/y suspend your erodit p&ieps undo In Agreenerd. N we owed IN
arcoud, you same to immediately destroy all cads and to used saxurht seem checks
(2) Year WWm No maim psyneea and your obr oblgaWs code bk Agorrwd
will confirm in ktl some and effect aft the account Is canceled or your credit /1110111086
am t o wwbr or pmmmw suspended. Caahlelm Of be amount amft temporary
or peon wad ssp mm Of yymourr do* pduf eg wig not dW our seamy kdeost in
yea Security Acmerm(lappie>bte) or our rights under ft Searcy Aeeou1rt Assgnment
Agrew" Pd appiabla). You an does your account by calling me Customer Rddm
department wri to comber bwel on be bad; of your credit card or, I dilarml the
number ststed lo your padodc satesaant and requesting an account closure. You aloes
to des" d cards and unused account access checks, cancel all peaubwtted bft
005r13
anageanlo and cease using your card and aooou l I you do not aacd ar
prey thortio d billing arranparaerds. you and we will consider our rarresget op of a
preaullimbd debit lo your alsomad 10 comillarle account Inn use 1wb in carne st uy Account
Amigni sdAgmernent(rappleabla).Yoreaccmmtwgrotbedosedundlyoupy
all amards you on us under pis Agrsement and Ie Sam* Account
Asslpmisrn Agmesmn2 Pf applicable) Including, wgdod imitates, eery puss hue
and cab advance transactions you ban aullobvd, fronce derges, isle
payment has, mrer sell Bees, mirmed dad: has, reamrd pairuent fees.
oft left charged b your accam? You are tansfie; responsible for for charges ad Issue amour
whether fey blue been incurred at be fm , you mQred a dome of the 8dmant
or risy we barred su sequent In your mrpmet b close fm account. This may
react in charges appealing on your ammelt after you ham rags mod to account
b be dosed ad, if the account has dreally bean dosed, IN cement wA be
reopened on the terns ad Nub In /ails AWames and the Seouiy Account
Aadpnnaht Agreement (iappicaft For s marpie, I you sufmrka a pad-
from a mordmad and we maim be chap from fur msirhod Am, aeeolmt
has been closed, your seemed will be mopermd, am amount of Ion wA be
added b your accountant you wA l m mspoasble for psymadunder be Wms of
ft Aom mad and Ike Secuq Accmed AWgemod Agmanart (1 applwbb).
The membaWdp in or your account will condo b be dual to to sad
by applicable ie
as described Am. I t mocaunnt reopened, a n balance hu rtbbship be paid in will bye
charged 10 to eccoud as sided above.
I you, ecbg s to prlowy ardWdr, want to tranlsla a joint a=WdWdeeS
or an autroraed uses access Io fre atxxmd, you nun call all G1slDner
Rdalotm depwblat old nmiumit fast Mm irAftn. ftmew, You
aloe to destroy, li et paaats cad(s) and destroy any amount seem
dodo in Imt person's possession. Thee ley be a detey in tun aractive dab of
be brrrinsim of riot immods access b the account The amount will be
shoved, and you and ay jond accceNuddarwA be responsible, for any charges
livough rim use of the card or the account by Iw joint accohsefnolder of sulhodted
user that occur prior to In efeefwe dab of ft Nomination awn I On drain do
not appear on to account usA a eta time. i you ae unable to dstry Im ON
accauHmlder's or adlnrked user's cad(p or b denary 1e unused account
acosss chedA in tlet peoorts possession, and you al our Chaoma Relations
department: to doss your accouil, yon SUM will be dosed n eel , ,, ace with
ion prow d% paragraph. Either you adfor the 0 9 cardholder. I sq. may apply
fora new acowmt
Cha in Tamers. VPs may add to. momma, amend or damp any pat or
provision of Ids Apneuwd, including be Mond r ripe rssa(s) and any
charges, (Mdu*p adding new pwjWwa d rim mm aa Afaard adin s 9m
existing pfoulsions in aids Apeanrrt) at my Yaw. I we do se, we will ghm you
notice of such ammrAxwrt or do" I raqurd by Federal has or VignN tar (to
to sided not preenpled by Federal law) utess we had pmmusly Model be
cuslow lea be aeco i t would be ageeb to such sammime t at dmnpe rfiout
ref e. Notes will be failed b to hunt bAig w*m Ndiaad In our ran* for
im aaaus However, no notice will be welled I we preAbrwy had rolled you
Ind your account would be subject to such anmdnrM or singe Will note.
Chagas b the WMW percenape rate(s) d apply b )War 0611ing amount
balance iram fur effKft doe of Im charge, wheMr or not the secant baance
Includes trassaefons bled b Ion aceasd bdore be chaps dace and whaler or
not you txrrtinne b un to account Chwgss b bu and odor dwoss wA apply
to your accent kasi tun eRddive dale dbe cheaga
Governing Law. WE MAI(E THE DECISION TO GRANT CREDIT, OPEN AN
ACCOUNT AND ISSUE YOU A CREDIT CARD FROM OUR OFFICES IN
Americ accordance with
VIRGINIA, byrse loAgromord ws of the U to be I Sta of Amin
go el
iMan?
laws of 1ha Caspemwaltlr of wiled pieNrssg;red to eq dais of
willa
low fulle that woodd cam Ina app than the loam of to Uuded Sades of Amorka or In lidernal
? l laws of fur
AACa??meonnelomn b of Virginia to to riot and dulls of Ion pales Thar
Vkgna iar : In lifirghda. xprseigad r FedderaN°?W4 by Feft I has I as mind doddda
not to enforce a pat of this Agra mart VA Agreement will Aron rod r I
Im unemf=I, or kaatd part were not them, but Via remaining parts will
moan IN,
eAuet
Waiver. You webs the fight to roe" oefa of ary wafer or delay or
presen marK demand, protest or ddmr and any right you may have to require
us In proceed against looter pay before proceeding agaist you. You also
weave, ID the exaM Par,, by applicable cow, any saaa of bwWios defense
or an additional period dorm equal b the applicable snivfos polled.
Lod or $Man Cards or Amount Access Checks I yaw ad(s) or =must
access duds are lost or seen or r seememee eke may be esig boh Wit t
your pmmbs n, noly to at once by cWhg ft telephone nunfr an be back of
your credill can! at, if "in t the Islaphorm show on the ftnt of
pedo6c sb>rekmuts, or al w riling s at Ones, P.O. Box 85015, Richmard,
VA 23285.5015. You will not be fable in any amount or unaufkorized use of your
cads or account access cracks
You agree to NA us at once I you charge your name, address, aephone number
or aapbyment You agree to give us wdUwr noll of ary change in your betray
address at less 10 days before the drag,. Changes may be widen in to spas
provided on Ire remiltance coupon por/an of your pedodc nsersent or may he
sent to be blowkg address: Capital One. P.O. Book 85015, Rihnond VA 2328&
5015. I your somunt Is a At account or I more am one poach is pemphd to
use ft, you ogre fast all notion regarding In amount may be sent ad* b be
address sham on our bang recede.
CmmuWcad ns. We may release nomafm b obey rapadrhp the saris or
blow of your account a ad ferb in Be Capital One Privacy Nolk, a copy of
which has been provlded to you. Vie may make " des of god pads in
cwmKdm with Maintaining and collecting your amaurut ad you sulbaft aria
pdd pefs to roans ifomefm about you to Lc M or our mpnmemilvs may
contact you from are to term regarding the accwK or Is ask for addtoW
n shad you a your expefbrce wile Capita One. You spree bat such
maters are not usalic ed, are not brdled arcyt a expressly regdrd by
apOim* cow and may malt tan contact iulonn don you has pnavlded or bat is
oobbWWned from other sources. For example, we may caned you at your home or
place of ar pbymeal long weelmMs or holidays, on your amble telephone,
vocsWl or mosedmg machine. and by asst,.fac, recorded message. WA
msaege or persons Ait Except as restdded by applicable few, we may nw&r
or resod any calls we make or receire, suppress caller ksmilcafim services and
hue a aulomakd daicg a d arvow" devke.
ARBITRATION. PLEASE SEE ENCLOSED 'ARBITRATION PROYL41ON.°
PLEASE NOTE THAT THE TERMS INCLUDED IN THE ARBITRATION
PROVISION ARE PART OF YOUR CUSTOMER AGREEMENT.
0 20f1S CapiaE One Senecas, Inc. Capital One Is a federally registered service
mad. AN rights reserved
D31&17-M
M-75733
ARBITRATION AGREEMENT
IMPORTANT! THIS ARBITRATION PROVISION IS A PART OF YOUR CUSTOMER AGREEMENT
YOU am we aw ft either you or we may, at althar sole
denim, regdre that any Clam (as defined below) be istived by
binding arbitration.
IF YOU OR WE ELECT ARBIM' nM OF A CLARE IETf1ER
YOU IIOR WE WILL HAVE THE RIGHT TO THAT
CLARI N COW OR BEFORE A JUDGE OR JURY OR TO
PARTICIPATE N A CLASS ACTION! I AMY O1HER
COLLECM OR REPRESBFWIVE PROCEED=. El i AS
SET FOW MM THE ARBRR1 MI DECMM WILL K
FINAL. AM MM. OTHER RIGHTS THAT YOU WOULD
HAVE E YOU WETIT TO COURT. BICUMM THE FKHT TO
CONDUCT MCDVM OR TO APPEAL. MAY BE LMM OR
IRNWULASLE HR ARBRRATiOH. THE FEES ASSOCIATED
WITH ARBITRATION MAY BE HIGHER THU THE FEES
A38MATTD WITH COURT PROCEEDINGS.
p8p?papcoissel of Beffedumea; for aft 0 P.- Fels arbi'ltafon prmisim ('AabiadaU Prat law. For tThe
he
foiowfng defn" shill appy in addf m to the definitions sal HoM in
your Customer Agreement r rWWARlr):
'Clem' mmns any claim, cndroversy or dispute of any Idnd or nature
behmen you and us.
A TW deftidw axfude% wooof knNaelont any Clem Met in
• Mee Agmennnt am wry all is beets (Including arty prior agmenaits
between you and us or behom you and any other emby from which
we acgndred you aocoonQ
• this Addramon Provision (including whefna any Claim is subject
to arbitration)
• the atabislvmmad, operation or lemkhdion of your axwot
azaryy?1?YGosees, adverlisermft pramdias Of other camruaalimns
• D ,
b yaw amain, wheel ell bay ocamed before or filer your
amount was *period
• any transactions dtempbd hafisaClianinvolving yell account
• any biting of ceAedios main refaWg to your at0ars
•aypodYgol" i tas(ndirdngwPvolsorcrix laymnasaat
• any goods or senias dinged to your accuad
• arydrlhias or odwr charges assessed to you amont a calculation
• any products, services or bmft ppmropprams relaad to or offered IN
eoniweborr with you account (ku kdIng any iradrace. debt
eanaNatan at mended service comadsard any programs. rebass.
rawads, sweepataLws. membwenbs, thimmle or wows) wh*0
or not we offered. introhcad, sold or provided gam
• our Tempt use ordiscbwmdaryirdamotiah5boutye ayouaccout
• any other maths mbmg b yon acwt a you mldkavddp wth us.
B. Tips dethiAron &in o nclades, wiNNioat ImAllaa n, NW Chun.
• Mo caetotrci?drh aoe?ddlem is broughor 0 as an Indian
I wPI dint o tdid "tdakn)
• based on any theory of raid or dat[ages (ndudba money damma?s
aralory
and ay lmaw of ?pecdk perlomhatce of njuncthrie decl or
Ober equtabte ml,
• based on ay teary of taw or egdly ¢nchdinli mrtract IaC Iraud,
ceiaslthuioe, sleule, ngubion, na or won acts or
ahissions at ay W wlaetlher negligad mdrbss or One)
• made bvvou or bvanome connerded wtlh you or cLimbag through or
• now in eeieahce or That hey aria In ft futum, regardless d Mherh the
fads and eimamstaices bmt give rise to Sit CWm occurred a when
fit Claim accrued
• Matisse part otadass edbrm, prhreleafOrirey general action, or other
epresmplire or cofecave action which Clam shall proceed on an
ndmduat basis as set loon more fully in this Arbitration Provision.
Arbitration Admlatstrators. One of the 101100ngp lubdrdion
administrators rAdmoftialot a. cdbctiely. 'Administrators') will
a rninisler the arbilration:
JANIS
1920 Main $t., Sre. 300
by ne, CA 92614
wwtiv.jarnsadr.Com
Amerkan Actiibolion Assn
335 Madison Ave., Floor 10
New Yak, HY 10117-4605
ivww.adroy
Rabaul Arbitration Foram
P.O. Box 50191
Mineapolis, MN 55405
www.arMUdhonNomm.can
You mry contact of the AdminisL2tnrs to obtain ifor atim
abort abikd on, arbitration rules and proattio , fee schedules and
Claim forms.
ProcNares and Law Applicable In ArbBmtloa. Tlds Arbihahm
Provision is mode parsuarl to a transaction involving interstate
commerce and shell be governed bWy asi ebrmabt8 under vie Federal
Arbitration Ad (the 'FAAJ. Quedio s abed wheNar ally Claim is
subject to erbiratim shelf be resolved by itsippee" kris Arbitration
Provision in the broadest way t mao be afacad. cor st nt wM ft
FAA adIbetermsdtipsArb Provision. ThearbbalarSoltapply
suueadie taw cohsaleit welly No FAA end' appliraWe sbdules of
Ihndail but the validity and enlonommil of any class actim warier
msipd pr,wiiim rot an ab7iabr, to
is a Wation for a card not da
de ' The eiWfdor mqf, aawd wry bariapes or tlf mid lamented
by applicable substantive law (d! will not have power for newaw Se:
emmbrrtabRly or xw?abiiry of the pr>pmpfi Ho Candrdtim or
Joinder d Parues,' bekw but Wnurd a II ddantiia the rgHS at
ddipdions of only the Rand Padova said only w4bb respect. Claims in arbitration. The rules andpropdhae of the Administrator.
which yon may obtain from the Admleishsbr, shall govern the
arbiatrora hnbss Say motlict web INS 16'bitreion PrwaasioA< n vsadh
care this Arhimfon Pmvisinn will apply. The aoihda will not be
to, the
bound
federal,stab and Ibis k1lidnatim Provisia shall not be or lad miss of procedure and evidarace Sat would Voir
in any court, or to state omay r local Ian that ralae to srbt
it ti having ?t yyoou afeent mve - wilt (rLe14 at a fora
in the hderal o dtdal district cin kids you IasFdno wn titling
address or at some olwge place upon which you and we agree You or we be represamit! counsel. N
will
did. d prMkpe remgdrdeudor we do er applicablis We and war use
baiha a
bed clods b pram confidential nlomntidm (including & at* to
use of pidectlve ordw# The arbiLabr will make ally cram in writing
ant at the Ifinely requed of aft party, will provide a written s6Bmad
of reasons for the award.
Co ft The party imiming arbdrdlon will pay the initial iI lee You
may seer a waived the Wttal Fleif in err: Of fu AdmkdslQbft
altar fits 'AdininBkdoR Fecoda ay applicable
ndesdfm iymissakbddo ?layfotawaNer,we
will consider any w lm request by yam la us to ppayay or ndnmbnese YOU
for all or pat of the Adminial de's Fees Vk alsoMi pay or rdndase
you
frem for A or part of ft Is good maon for use lo do so. Nle will pay any teas aid cats we
am required to pay by law. Oliserwim and acept as "AM in In
Agmenndt, ya and we will bear all of our respective teas and costs
purl ding fw AdidiKtralak Fes and fa taws and ads ?b
OM WA expects amwilases), gidless of wbo paw
d lam ad cats reatbg loappedssln all on will be herded b vie
sane Manner.
No Coaealltatbn err Jobndw of Pa ft. The amblmaim of any
Claim most proceed on we Individual bads, am S the Clem has been
asserted In a ooat as a class act=t= gam" action a
oft Mixeenialve or care parties Camels,
mreRma yam nor we may join. co sol'dab or o0mvise bring Claims
related b two or rare accounts. ha lMdals or arrnunlniders in the
same addration. Also, unless all pates consent, oeftr you nor we
may pursue a class adton, pdv le MM general actin or atlas
mprosaihaill or collective adbn In arhfmdim, nor may you or we
pursue such aoft in Court ianyperryhaselerttdahkralIamyouVdl
rat have the right to atlas a doss fWaser derive or participate as a
mnemha of a class at claimants with respect to any Clam as to which
arb[rdtie has beet uduhCled.
Jedgmeal. Eafercemul, Fine nil Appeal. The arbha ers
decision wN be lbdad bbdbg altar Moen dip inlets you awe seek
all appeal at the awed by making awrifen must b Fete Ad irddrda.
The eppcd parrs. which will CM313t elf re arbibatirs, vat conside all
leCbd am legal issues Sam Val conduct the appeal in ton same
ranrer as the arblu dm wad wit rrdae dreisiorn based on to
rob of tan majordly. The pavers derision oval be font and binding. Any
final deotsiondtwabitrabrordtla panellssubject toju&W
review only as sal forth under tlin f k An award in arbitration well be
adaceabfe under the FAA by any court having jurisdiction.
Mkc dln s. Watvae. SevwMMty, 8amhral. [ you or we do
not deed abbdfon or otherwse enforce this Arbitration Provision in
Connection whim any panlabr Claim you awe grin net wave any rghts
to require arbitration h connection with Mal or any dher Cbtm. Tt+s
Aibdrat n Provision strati survive: () suspension. termination,
rr,oonb0. closure of ckages o hisAgreemet, your account and your
relationship *0 us: (i1 eras bankruptcy or irisolvmcy of any paby and
(n) any transfer of you account, or any amounts owed on your account,
to any other pens or eel y. It any porfm of ass Arbitration Provision
is dawned arvalid or unrdacwble, the remavirg porfrns of this
Arbitratta Provision shall nevertheless retain hOd and in lore. In One
evear of a conflict or k msistmrXr baasan ft Arbimfion Provision
and the other provisions of this Agreement or any prior agreement. [his
kbibaion Provision slid fern- A photocopy or other image of [ms
Agreement and related dmameris may be used in place of the o iginals
for all purposes including litiga[on
0 2005 Capital One Service, Inc. Capital One is a tedemty regMered
services nark. All rights mservaQ.
Election and bfikdlm of Arbitration. You or we aoy elect
a lrAm under this Anbtratlon Provision with respect to any dam,
even it the Claim its part of a tarsuk brought in COWL You or vii nay
maim a mom or request In and to compel arbitrallm at any Claim
nrouaht as tart d any mvsuL We wR rnt deed erWbA abkmhon of
sty Chen bmpbt in a small claims court (of Um IOdvilled), so log as
th Cbnm romans in that court is made ad* on bemall of an individual
or joint account holder and is at made as put of a dam action, prime
attorney general aclhon or dhs representative a collective action.
You and we asst follow the odes d the Adrddsedos to Inkbte
arldtratian. n you bidfale arbitration, you nwy choose one of the.
Adrddshaturs, and you rnuor mall us any notice required by ton
ARtiiserdor to P.O. Bar 85550, FkhmorA A M285,1? . I we
loidefe abkrafion, we will dhow ire of the Administrators, and we will
ma l you any notice requited by the Admfrkstialor b your last-Imo in
b4lig.address. It we have indwo arbitrdfon, we will change the
hordrostrdor d your request d you a" us in wrdvig at the above
<UUc?v *4-1 npeeu Wyo Ui Uie. ibie W Mil rikiCt ere k W ya, U1 cow
initiation of arEhLration.
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
?a??ttt: ni ?umbcrr??l6
sue{ .7`--.
CUFF E c --F $-kRIFF
F11-ED-0, FIGS
?-, tr- ,7r;ter i't.w r "?JT?SOI??Tt1?t,
R, 12 FED 12* 22
aJ PENNSYLVAN q TY
Capital One Bank (USA)
vs.
Blaine Kimball
Case Number
2012-484
SHERIFF'S RETURN OF SERVICE
02/09/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search
and inquiry for the within named defendant to wit: Blaine Kimball, but was unable to locate him in his
bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Blaine
Kimball. Request for service at 825 Club House Drive, Mechanicsburg, Pennsylvania 17050 the
Defendant was not found. Deputies were advised, Blaine Kimball was the previous owner of this
residence but has not lived at this address since 2007.
SHERIFF COST: $43.45
February 09, 2012
SO ANSWERS,
RON R ANDERSON, SHERIFF
;Cf G-Unty."SLAP Sher ft. I eiecsott, hoc.
CAPITAL ONE BANK (USA), N.A.
4851 COX ROAD
GLEN ALLEN, VA 23060
Plaintiff
vs.
BLAINE KIMBALL
1149 PHEASANT DR N
Carlisle PA 17013
Defendant
In the Court of Common Pl.e
Cumberland County, Per A,-S
Civil Division
pEx>KSYLVA?IA
NO: 12-484 CIVIL TERM
Praecipe to Reinstate Civil Complaint
To the Prothonotary of Cumberland County Pennsylvania:
Please enter the above Praecipe to Reinstate the Civil Complaint.
Thank you,
Michael F. Ratchford,
Edwin A. Abrahams
Lawyer ID # 862857
& Associates, P.C.
0 ?
00 ? 1 g 7C?
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith orttr o1 ?a?r't?t??¢
Chief Deputy
Richard W Stewart
Solicitor ,
Capital One Bank (USA)
vs.
Blaine Kimball
SHERIFF'S RETURN OF SERVICE
4: {
IH It2'
? : Z JUL 23 AN 8: 3 3
CUMSERLM4U (;UUt4I-
PENNSYLVANIA
Case Numbe
2012-484
07/16/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent se rch
and inquiry for the within named defendant to wit: Blaine Kimball, but was unable to locate him in his
bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Blain
Kimball. Request for service at 1149 Pheasant Drive, Carlisle, Pennsylvania 17013 the Defendant was
not found. The Carlisle Postmaster has confirmed, Blaine Kimball has moved and left no forwarding
address.
SHERIFF COST: $39.00
July 17, 2012
SO ANSWERS,
RON R ANDERSON, SHERIFF
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson FILED-Or F ICS'
Sheriff
o-,<,��ti�t�ett�brrtd Of-- THE F'FdOTHflNOTA;`I`
Jody s smith
Chief Deputy 2013 MAR 1$ AM 9: 57
Richard W Stewart °
Solicitor r�
OFFICE OF CUMBERLAND COUNTY
PENNSYLVANIA
Capital One Bank(USA) N.A.
vs. Case Number
Blaine Kimball 2012-484
SHERIFF'S RETURN OF SERVICE
02/21/2013 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit: Blaine Kimball, but was unable to locate the Defendant in the
Sheriffs bailiwick.The Sheriff therefore deputizes the Sheriff of Lancaster, Pennsylvania to serve the
within Complaint&Notice according to law.
03/08/2013 The requested Complaint& Notice returned by the Sheriff of Lancaster County, the within named
Defendant Blaine Kimball, not found. Deputies spoke to defendant's parents who informed them that the
defendant moved to Tennessee Two years ago. Mark S. Reese, Sheriff, Return of Service attached to
and made part of the within record.
SHERIFF COST: $37.45 SO ANSWERS,
March 08, 2013 RONNY R ANDERSON, SHERIFF
is CountySulte Sheriff,Teleosoft inc.
SHERIFF'S OFFICE OF LANCASTER COUNTY
Mark S. Reese � ;� Brad Harris
Sheriff ! r Solicitor
f Charles Hamilton
Marc Lancaster - �,
Chief Deputy Lieutenant
CAPITAL ONE BANK(USA) N.A.
Case Number
vs.
BLAINE KIMBALL 2012-484
SHERIFF'S RETURN OF SERVICE
03/01/2013 09:59 AM- DEPUTY CHARISSA LEPPLER, BEING DULY SWORN ACCORDING TO LAW,
ATTEMPTED SERVICE TO THE DEFENDANT, TO WIT: BLAINE KIMBALL AT 2071
THOUROUGHBRED LANE, LANCASTER, PA 17601. THE DEFENDANT WAS FOUND TO HAVE
MOVED.
SPOKE WITH DEF PARENTS IN LAW WHO STATES DEF MOVED TO TENNESSEE TWO YEARS
AGO.
�AMJ4;Mw��
CHARISSA LEMPLER, DEPUTY
SHERIFF COST: $47.15 SO ANSWERS,
March 04, 2013 MARK S. REESE, SHERIFF
COSTS
DATE CATEGORY MEMO CHK# DEBIT CREDIT
02/26/2013 Advance Fee Advance Fee 02646 $0.00 $150.00
02/26/2013 Receiving,Docketing&Return $9.00 $0.00
02/26/2013 Service $9.00 $0.00
02/26/2013 Affidavit $2.50 $0.00
02/26/2013 Deputy Time $10.00 $0.00
02/26/2013 Copies $6.00 $0.00
03/01/2013 Service Mileage $5.65 $0.00
03/04/2013 Not Found Return
$5.00 $0.00
03/04/2013 Refund $102.85 $0.00
$150.00 $150.00
BALANCE: 1 $0.00
Plaintiff Attorney:EDWIN ABRAHAMSEN&ASSOCIATES, P.C., 120 NORTH KEYSER AVENUE, SCRANTON, PA 18504
icli Cnumy$u t SIvnff Tpleosoft hrc
CAPITAL ONE BANK(USA),N.A.
In the Court of Common Pleas of
Plaintiff CUMBERLAND County,Pennsylvania
Civil Division
VS.
NO: 12-484
BLAINE KIMBALL
Praecipe to Withdraw Civil Complaint
3 511 REFUGE TRL
Thompsons Station TN 37179
Defendant
PRAECIPE TO WITHDRAW
To the Prothonotary of CUMBERLAND County Pennsylvania:
Please enter the above Praecipe to Withdraw the Civil Complaint. C=
Thank you, °`
Co C2�
-r
f °
-
C-')
-Z ry a
Michael . Ratchford,E uire r ;
Edwin A. Abrahamsen Associates, P.C.
Lawyer ID# 86285
120 N. Keyser Aven
Scranton, PA 18504