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Home My WebLink About12-10151 nMMnNWFALTH OF PENNSYLVANIA COURT OF COMMON PLEAS Judicial District, County Of Cumberland COMMON PLEAS No,IA- 1015 (-/Yl1 MAGISTERIAL DISTRICT JUDGE JUDGMENT NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. NAME OF APPELLANT MAG. DIST. NO. J NAME OF MDJ Joyce Draper 09-3-04 Paula P. Correal 6260 Run Cross Lane Enola PA 17025 DATE OF JUDGMENT IN THE CASE OF (Plaintiff) February 9, 2012 Capital One Bank (USA), NA 86285 VS Joyce Draper CV-656-2011 This block will be signed ONLY when this notation is required under Pa. R.C.P.D.J. No. 1008B. This Notice of Appeal, when received by the Magisterial District Judge, will operate as a SUPERSEDEAS to the judgment for possession in this case. NOTICE OF APPEAL FROM If appella44as Claimant (see Pa. R.C.P.D.J. No. 1001(6) in before a Magisterial District Judge, A COMPLAINT MUST BE FILED within twenty (20) days after filing the NOTICE of APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon Capital One Bank (USA), NA 86285 appellee(s), to file a complaint in this appeal Name of appellee(s) (Common Pleas No. ! - /o/ s- ) within twenty (20) days after se ffer entry of judgment of non pros. Signature of appellant or attorney or agent RULE: To Capital One Bank (USA), NA 86285 appellee(s) Name of appellee (s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAYBE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing- Date: 20 Signature of Prothonotary or Deputy YOU MUST INCLUDE A COPY OF THE NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. AOPC 312-05 F'ILEU-OFFIGL OF THE PROTHONOT"AW! 2012 FEB 16 PM 2: 51 CU PE RLYLVANIA TY # 103. S-V C-;O- 92 go g-1k q 7114 2 COMMONWEALTH OF PENNSYLVANIA Notice of JudgmentifTranscript Civil COUNTY OF CUMBERLAND Case Mag. Dist. No: MDJ-09-3-04 Capital One Bank (USA); N.A. 86285 MDJ Name: Honorable Paula P. Corneal V. Address: 5275 East Trindle Road Joyce Draper Suite 110 Mechanicsburg, PA 17050 Telephone: 717-697-2201 Joyce Draper Docket No: MJ-09304-CV-0000656-2011 6260 Run Cross Lane Case Filed: 12J3012011 Enola, PA 17025 Disposition Summary Docket No Plainti ff Disposition Disposition Date MJ-09304-CV-0000656-2011 Capital One Bank (USA), NA. Joyce Draper Default Judgment for Plaintiff 0210912012 86285 Judgment Summary Participant JoinVSeverai Liability Individual Liability Amount Capital One Bank (USA), N.A. 86285 $0.00 $0.00 $0.00 Joyce Draper - $0.00 $6,808.17 $6.808.17 Judgment Detail (`Post Judgment) In the matter of Capital One Bank (USA), N.A. 86285 vs. Joyce Draper on 2/09/2012 the disposition is Default Judgment for Plaintiff and judgment was awarded as follows: JudtmtentCompongnt JOInt1SBVeralLiabfiity Individual Liability Deposit Applied Amount Civil Judgment $0.00 $6,661.17 $6,661.17 Filing Fees 50.00 $141.00 5141.00 Costs 50.00 $6.00 $6.00 Grand Total: $6,808.17 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENTITRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM T14E COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. Date Magisterial District Judge Paula P. Correal , certify that this is a true an correct copy o the record of the proceedings containing-pe judgment. r r. 1 s Date Magrs"lenal District Judge Paula P. Corral MDJS 315 Page 1 of 2 Printed: 02109!2012 t23,07PM PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT C-3 (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTF§j . S filing of the notice of appeal. Check applicable boxes) MW =r q -q -n r -< -0m 6 ? ? COMMONWEALTH OF PENNSYLVANIA =? COUNTY OF CUMBERLAND ;ss z ?? w a AFFIDAVIT: I hereby (swear) (affirm) that I served .? a copy of the Notice of Appeal, Common Pleas No.12-1015, upon the District Judge designated therein on (date of service) February 17, 2012, by (certified) mail, sender's receipt attached hereto, and upon the appellee, (name) Capital One Bank (USA), N.A. 86285, on February 17, 2012 by (certified) mail, sender's receipt attached hereto. (SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS Y OF ? , 2012. Signature of official before whom affidavit was made Signature of affiant Title of official My commission expires on , 20 ED. cV*MWE u.TH of MOJSYLYAMIA Notaslf Sam Tammle L. P40M NOWY Ptd* Cirme 9"% d 9"* W cats row= vnsrLV?ucxsx?mN OF t R r-'1 N. r. • ?. . ..• . .- Q.. Q M Ln -- m Postage $ • t M Oertlfied Fee ° ass rl Postma is p Return Receipt Fee Here ° (Endorsement Required) 35 ° Restricted Delivery Fee (Endorsement Required) ° Ul Total Postage & Fees $ ra _ To ? __,,9a_C = -------------- 5`free , Apt. N L p or PO Box No. I? -- ----------15.. 1?!'?`' , _ :..???i,i"1{ tl C tg, 1P+4 , PS Form 3800 August 2006 S,c N., O?twf 7, p C3 For delivery information visit our website at www.usps.comiD u'1 M Postage $ • M p Certified Fee r-q Postmark C3 Return Receipt Fee Here IM (Endorsement Required) Restricted Delivery Fee (Endorsement Required) O Lr1 Total Postage & Fees nt o e, ,. oru ?.__W---- ------------- --- ..... - , ,Z +4 PS Fom, 3800, August 2006 See Reverse top y TH- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA20 y 2 FEB 21 ply 12' 4 3 CAPITAL ONE BANK (USA), N.A. 4851 COX ROAD GLEN ALLEN VA 23060 CUMBERLAND COUNTY CIVIL ACTION PENNSYLVANIA Plaintiff vs. JOYCE M DRAPER 6260 RIJN CROSS LN ENOLA PA 17025-1295 Defendant NOTICE TO DEFEND 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. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. 4851 COX ROAD CIVIL ACTION GLEN ALLEN VA 23060 Plaintiff vs. NO: JOYCE M DRAPER 6260 RUN CROSS LN ENOLA PA 17025-1295 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 Rd Glen Allen Va 23060. 2. The Defendant Joyce M Draper (hereinafter "Defendant") is an adult individual residing at 6260 Run Cross Ln Enola PA 17025-1295. 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 1893. 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 1893, 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, Statements 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 January 10, 2011. 10. The total amount due and owing the Plaintiff including interest, is $6,808.17. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $6,808.17 plus costs of suit and any other relief as the Court deems just and appropriate. Respectfully EcVi#/A?brahamsen & Michael Ratchford, Es, Attorney I.D. Nos.: 8628' 120 North Keyser Ave. Scranton, PA 18504 mratchford@eaa-law.co Phone: 570-558-5510 Fax: 570-558-5511 VERIFICATION 1, 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. 5003'9 Why choose s paperless statements? • Last 13 months of statements are stored online • Eliminate filing and clutter • Eliminate paper cuts at capita lone. com smalIbusiness Sign up today - -- - -- -- -- -------------- Page 1 of 1 1-800-867 0904 www.capitalone.com/smallbtisiness Mar. 18-Apr 17, 2010 37 Days in RiNing(yde ------ - ---- - ---- -------- ------ MINIMUM PAYMENT WARNING: N ynr rroke only the rrinirrrm payment eadr period, ynu will pay pore in irtemtt and it will take yon longer In pay it yew halarce. Fm vxargrly: VISA BUSINESS CARD X)(XX-)OOCX-XXXX 1893 payment Amount Each Period If No Approgmate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Taal Con 54,858.44 S120.00 May 14, 2010- Mtrumnr Pavre zzv ars 11',525 $1?5.40 3YFais $6,314.4 eu„sr MY Al trsr gyres aaaurr Your estimated savings it you pay oft this balance in 3 years: $55,211.,; Credit Uhart: SS,000.IX7 Cath Credit limit: 52,500.00 If V- -,.,to like int.-b- alms[ credit cw,cseling services, call l-9M 326-9055. I Available Credit S'a..5.5 Available Credtl tun Cash c S6 LATE PAYMENT WARNING: It we do eat remrve .-.6- payrent by y., c- date. -__- _ _ yx my have to pay a $39,00 late fee Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - - - - - ------------- 4 655 45 - 5113.00 + 571.56 + 5244.43 = 54,858.44 ;BUSINESS TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOYCE M DRAPER #1893 1 14 APR CAPi AL ONE 0'424' 1,111Auth7ete 14 APR (SI13.001 TRANSACTIONS FOR JOYCE M DRAPER #1893 1 14APR IDFAS':N4CTIO14956-3995554TX 524443 Viral frarcadions [his Period $244.43 FEES I cAal Fees this Period S0.00 Tntal Fees Thi, Year (561 .00`• INTEREST CHARGED iN1 FRFST CH.IkF(, . PJRCHASES S71.56 total Interest This..°eriod 571.56 Total hteiesl -his 5'eai S288, 14 (-BUSINESS REWARDS INFORMATION J PRI'ViOUS A'JAIL43! L REWARDS BALANCE 408 RE VA RD, FA.RNEii TNI5 PFR10D 244 (reflects hansactiuns Fasted during IN-, billing c, del NVAILABLE 6AIANCE AS OF 04!172010 Gil For up-to-date rewards traddng, visit .,?? www.capitalone.com/rwhasslerewards C21w - or simply cab 1-800-228-3001 Small Business INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your acrburl. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Rndrases 17.90%D =,706.8c 571.56 Cash 249SO.OG so CIO ----- --- --- - ------------ - R EASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE. COMrSMALLR1,151 NESS TO MAKE YOUR PAYMENI OW INF. 1 4802132379951893 17 4858440113000120002 Account Number: 4802-1323-7995-1893 Due Date New Balance Minimum Payment Amount Enclosed ------------ - --------- -------1 -. __---------- May 14, 2010 j $4,858.44 $120.00 PLEASE PAYAT LEAST THIS AMOUNT JOYCE M DRAPER RA D. MIRALCES, INC DBA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 11111111111' I'IIIII'III'IIII-111111111'III...1 '1111111'"111'111 BE SAFE! Your trash cord be an identity thief's . gold. Manage your account online and end the paper trail. Sign up at www.capitalone.COm Capital One Bank (USA), N A P O Box 71083 Charlotte, NO 28272-1083 IIII111'111"III11,11'hIIIII"IIIIII 'I1.1'III-II"11111111'1111 Please make chedcs payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Flow ran I a,old paying Interest c'h,Mes? Eachnwnth you ply your'• o,,x Balance"11!1,11, you Mil have a nm,imum yraee Toci od ut 25 days with no interest charge on aM nc-w 1) purchases, 2) balance u-steo, 3) sperial purchase: and 4) other charges. It you have been pgmg your az count in full,vith no interest chrges applied and you do not pay your next bill in 1u11. prorated i--r charges will ba assessed Torre is rw grace period per cash xMances, sprcwl tra..f,re a on anY new vamarrmn.,e,r.; !nr•re i, an „nw•id halanretrnn, a Frrrinnt bill How Is the Irderest Charoe applied? Interest charges arcrne from the !)date of the nan arlinn. 2) date the transaction Is pncessed or 3) first talerdar day of the billing period. Interest charges -me on unpaid i n eon: until it is paid in tull This n tans you may u - i esr charges d you a paysthe entire "N.'av 134 rnc e" on.. octh. hot did pmt do so for he peviu. I month. Unpaid interest charges are added o, the propel sego en: ol your Arco.,,, Hooves e -,e the right 1. not assess interest rhao)e, at any time. Do you .access , Minirru n Interest Charge? Yes. A minimum INTEREST 01ARGIF of $0.50 will N, assessed Tor each billing period your account is s; 1Sj- m an interest olsarge. kkaes• did yon Calculate the Interest Charge? there are several calculations that air used to de!errlkm your total interest strange. 1. To yet your Daily Balance. For each seyment, 1) aka the "calling balance and add in new t and the periodic inirnev charge on the previous days ba-i- 2 j Subtrart any peyrne- and credits for that seymen! as of that daY The result is the daily balance fo, a ash segment Hoo,-, if you paid your Previous month's bete- in '.111, n your Man- was zerts or a credit amnuntl new --action, Mlich post !o ,on, rxx,h- of si-ial purchase segment-, are -added to the daily balances Also, orinninictions that are object to a grace period are not added to !fie daily balances. 2. To rind r cage Daly Balance: 11 add the daily balances together and 21 divide the oro by the ,umtxt of days -he billing r. yore 3. Estimate your Tn:al Interest Charge: 1) multipFy your ,rage tlaily balance try the da Ay periodic ra, and Z) rnul:iply [he result by :he number o! days in the billing rsenad. NOTE: Due to ro,urdir,g or a minimum interest charge, this calntiw on may ,any from this interest charge actually assessed. Iiow can my vanahle Annual Pertentage Rate (APR) charge? Your APR may inn decrease haled on one o seven s- rsdad'I"'- rep--d in The Wall Street ;.,-I To find t hirh' ilex is a=<d for To., accormt, look 1. a code (P, L. C, S, D or F) on IM floor of this text m the APWsi. Then check the table below: Code lend V, your Annual Isercermage Raze (APR) Index which your rates are bawd on When your Annual Percentage Rate will change P Cuadell, Prnne+ margin poviwsly disclosed to you Th. first day of 8',o L uan_wly LIBOR- margin peviously.^'isc1-to you billing periods that C +uadrely C71+ rrcagin pevio+sly disclosed to you and in January, Atari, S Banlsca,d Prime + margin pe-io.sly disdosed To you July and October. D Monthly Frirse + r. arvin a-it-ly dladosed lo yo; The first day or vac-h F Mmthly L IBCR + margin pmw r,sly dis-lo- to y,m monthly Nil"; u - Bury LRCR + nnruir prewuusly discbsac: t, you loriod. Are there Additional Fees associated with my arcmant? Yes under certain ckcumuanres, may be assessed a Late or Returned Payment Foe. You Tray abr. be charged ovedirnit f?,s it peconnetl by I., We reserve the right to not asses. tees without prior notice and without -iei.y our right to assess a similar fee later. Wry an I Close M, Aee,Rnt7 You may close your 111o nn' by railing or ,along our Only mer Wien- Depart.nenr AI thee, time, we ,IN provide additional details including payment infer sztion. If •"t use Yon c, ,.tit card or charges Furst In your accost,[ of ter ya, ask us to rose it. we -an keep you accurnr open What happens H my Account is Suspended? We may close or suspend your account and r right Io obtain credit at any rirne and for any reason, even rt You are not in delault. Account suspension can be permanent ar temporary H your acroont is closed or suspended yoursuspension st 1) smp usirc) You. credit aril and a: 2'? cancel ay autornatio: paWnwrts, '.) des all credit cards and access checks, and 4) pay aq anwun:s you - us, even it they were charged after the account was dosed or suspended. Ikxn do 1 Make Partrwrdc? Payments you mail to us will be -MM to your aanun a of The basin ss ddy w - e it, as 1.111,as 111-1 send the button, par:ion of this stateme , -d your cheek in tit, enclosed eemirtar,c, envelope, and 71 your pxyrT.,nt is received in one 1,i our T ,'er'g renters bg tipnl local tune. Neaw all«v at least (7) business daysfur mail delivery. Masted payments rereiveA br us a: any nth ar lorarion err in any other form may not ere oredileA a: of the dey we receive them- Do you Process Parser Cheeks as an Electronic Funds Transfer? When you provide e check as payment, you authorize us and our agents either ;.) use intormation from your check. to make a e M-enic fund transfer from your deres t account or to process the payment as a ,hr_k transaction hi sw use inf:rnrrtion from yon, h-k to snake an electronic f.nd trans',+, furd-rey be withdrawn from your d,po,it account as soon as the same day eve ve your I,avo rt and you call not recen.e yarn : heck back horn your financial it;:it T1- vu.n au[honzxticrn is not Invited by the date on Ths check. We may -ol it and ele:_ Irc•n;c all, correct The -orned payments. What H tfilefor Henknipfry? If you are eniined to bankrupiry p,,t.ct , ;his ation is 1a into; ardY, it is not an ar,mp to Lulea, assess 1,r receve. a debt or clai'm'c Do not send us payments tvitMut sF,eakiny i,ilh your banbup;cy attorney e, the BankluP:cy Court H you or your a!!aney would like !o contact our banknuptcy claims st?.vi,s•. directly,pleasecontact Capital One M6ox8516' Richmond,`:A2328S5167 MLLING FRCrHTS SUMMARS' (Pees No! Apply To Sr 1.11 Busmen: Acoou-1, What To W It You Think You Hod A Mistake On Yuur Siatene.nt If you Mink then is ao n you stn=.L=rren:, write to us at Capital One P.0 Box 30285 Salt Lake City, UT 84130-Deis5 In roar Iona, give os The following inlo nanot, Account intormalion: Yon. Hato, and ac reunt nurr.ber. Dolle, o,Tw,nt. The dollar ainoun; of the sospeco:d eo-- Description of Problem: H you think There is an error on your !sill, describe her you believe is wrong and tvhy you bdiee i! is a rnhtake You -,ir contact us within 60 days a::er The error app,aretl on your stataneer Y , ,toy us of any Potential coon n writing. You may coil us or not'if'y us by website Iwt I,. Vo ndo we an r required to irwestipo, any Tel,ntial and you may have to pay the amount in gw st n. While sue investigate vtwther or not There has been an error, the tollowing are non, - We cannot try to r eli the amount in question, or report you as delinquent on That amount You don end to par any sawtad amoums and reared i.1-1 charges or tees until trti send You a notice about the vutmn,e of our irn•esicelinn. . The charge in questim may remain 1,n Your statement. and sue nay oontexr, to chage y^u interest on that amount are. H sve derermine that we made a mistake, you sill not have to pay the amount in question or any interest or other fe-n related to that amount. While you do not have to pay The arnnuni in q.-tion, you are responsible for Th, rernaindei of your balance. We an al;ay any' unpaid no tort against your a Pdit limit Your Right H You Are Dissatisfied With Your Cr Pdit Card Purchases. H you are dissalwed with the goods or sen•ic es !oat you have Fwrchasef with your credit card, and you have Tried in noted taith to correct the problem with the merche.nt, you may have the right not to pay toe nmg anuunt due on the lenrchase. To use !h:s nyht, aY of [he Yellowing must D. true. the pr-hasc ust have- br,n r.adr in pout horw state or within 1 a1 rv,yei pf your culvert vagmg address and tit, purchase krke s; have boa, ,e than SSn. (Iyu,e: Neilh, of thesis necessary if yore prrbase was based o an adver s .sailed to you, or ifwe own [he company !hat sold you the goods or servkes.) 2 Yuu vusthave used your credit -aid for the 1-chase. Purchases made with cash advances f.nrn a, .A'rM or with a heck that el oesses your credit earl account do not r* aV.y. 3. Y .st not yet have hilly paid for the purchase. If all of the criteria Aare r•rt and you are still n di.satisfied salh the purcbase. contact us in vnting aT Capital One P.D. Box 33285 Salt Lake City, UT 89'30-U285 While we irwestigi !e, the same roles apply to the 01'ruted amount as discussed above. After ve finish nr srigat s will tell you our del ision. At that point, if the think. you otve an amount and yon do not pay we may report you a• delinquent. Capital One supports irdm nation piracy pm!-Twrl. see oor vebein, at sx+^.v. capitalone cot, capital one is a tetlerally regiv--A -6- -k o Capital One Financial cagxnatioo All nigh., ,,served T. Zell 0. czoal One Ic- 8 )31J1j 10 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ....................... Q Alternate Phone .....__ .................. ............. ............... ....... ............................ E-mail L? _._._._..._._..._...._........... Address ............. i h h i bl k i Pl t dd b b bl k n ress or p one num er c anges a ng n ease pr a ove us ue or ac . Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing- • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Image Card: Worth a thousand words. Advertise every time you use your card Redesign your credit card at capitalone.com/imagecard 500389 ?SPEEDY'S ??a i DELIVF PY SE 0.VICE ?, ee=, BUSINESS PLATINUM Fast, Friendly, f i l ess ona . Pro O O Page 1 of 1 1-800-867-0904 www.capitalone.com/smalibusiness Apr. 18 - May- 17, 2010 30 Days in Billing Cyde MINIMUM PAYMENT WARNING: IT you rake only the ninirum Wym? l eact Paioc, you ! MI pay Rune in interest and 0 will tin you lengei m pay oft your balance. For example: VISA BUSINESS CARD XXXX-XXXX-XXXX-1893 paymern Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total ca.1 54,810.19 $119.00 Jun 14, 2010 Minim-Paynrnt ----- ? n'rears $11,404 4 b1 ]3.6ti -sYeer. b6,251 .i Pry 4sF Par :t ttgy. t res AlsnnN.- Your estimated savings it you pay off this balance in 3 years: $5,i52 Credit tunic: S5,000 W. Cash Credit limit: S25C0.C0 It ya: wnoid like irrfamawn aWul :edit ca,n;ekq services, call1 356-3265D55. Available Credit: S''. 89.3' Available (rem for Cash: S 189.3' LATE PAYMENT WARNING: It we du not receive pail ririmum pay-T by you due dale y% may have to pay a$39.DD late tee. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 54,858.44 - 512D.00 t 571.75 {- S9.90 - 54,810.19 BUSINESS TRANSACTIONS PAYMENTS, CREDITS $ ADJUSTMENTS FOR JOYCE M DRAPER #1893 (S`20.00) 1 14^.11'!C1YiT4.'_(]NECNIC"fEp',?Aikuth Gate 14 MAY FEES Total Fees This Period 50,00 Tot,l Fees This'fm (501.00) INTEREST CHARGED IWtRFSf CHARGE PJR.C-ASFS 571.75 TotaIIMBIPSt This Period 571.?S Total '.nteiesl 11ris Year 5359.39 Please nose that in your rwyly revised (u,nnnei Agreement. isoed in early 2010, the At bibation Agreement has been r=moved. I BUSINESS REWARDS INFORMATION PREViOUS AVAILABLE REWARDS 3Alw'TCE . REI,VAR0S FA.RNED THIS PERIOD (reflects uansactions posted dulling this billing c, I-) AVAILAB: 'L 3AUIINCF AS OF 05!170010 For up-to-date rewards traddng, visit www.capitelone.condnohasslereward s w simply cab 1-800-228-3801 INTEREST CHARGE CALCULATION 0 6 2 Small Business --- - -------- Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Ruchases --? 17 q(]% '7 --? --,4,877.13 S7"175 -- Cash 2490'sEi) SC 00 So. Cal PLFASF RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONF.COM/SMALI_BUSINFSS TO MAKE YOUR PAYMENT ONUNF. 1 4802132379951893 17 4810190120000119004 Account Number: 4802-1323-7995-1893 Due Date New Balance Minimum Payment Amount Endosed ----- - -.1 ----- - GO PAPERLESS! /, $119.00 _7 \- - ---, J Jun 14, 2010 54,810.1 1 PLEASE PAYAT LEAST The trees will thank you. THIS AMOUNT Sign up at www.capitalone.com 4ooota JOYCE N DRAPER MA D MIRALCES, INC DBA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 if I I ' I l ' I I ' I l l ! l ' I ' I ' I I I I l l l l l l l l l l l l l' (' l l l l l l l l l' I' 1 1 1 1 1 1 l' I' e l Capital One Bank (USA), N A. P O Box 71063 Charlotte, NC 26272-1063 nlllll?lll??ulll?Irlllllnrrllllll'?Il?lrlll?ll^Illlllll?lnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 0r1I 11ow ran I avoid paying Interest Charges? Farh month you toy your "New Balance" in lop, yuu rvip haw m pace lf•niod of 1.5 days with n interest charge on alt new 11 purchases, 21 MWr? muransten, 3: special purchases and a) other charges. Y you have been pzykrg your ac coup: in full.vrh no interest charges applied and you do not pay your next hill cull, po,andf in*erest merges trio ha assessed There is no grate period on c ash advan: es. y>w ial Iran 4" our on any :.e.r nansa^ion ,in,, there i, an unpaid hale,, from a pi,-vious tin I w is the Interest Charae appNed? Interest charges ac:ure from the i) date of the ,action. 2) date the transaction is pro-sed or 3i first calendar day of the hilling period. Interest merges e , on unpaid annum uuil it is paid in fuel. This n its you a - .--t charges even r you pay the entire "N e- Palance" - ,nth, but did nT do sotra The prey vn month Unpaid n um- charges are added ;o the proper segment o1 your Aaoun,. However, we rescn•e The Tight To no, assess interest Charges at any time. Do you assess a Minlnum Interest Champ? Yes. A minimum INTEREST C11AWA ev 50 50 will he ,,,,.d Y , cam billing period your actoun, n abject to a. r •e est .harge. Huse did you Calculale the Interest eharue? Thwc are several akulations That are used to deternme your total interest rh,,gc. 1. To get Your Daily bd6me: For each wyment, ' ,fake the beginning Man, and add in new :nansactic. and The periodic interest: harge on the pu-ins day's halanr.e. 2 j SuhratI any payments and credits for That seq - as of that day the resuh is the daily Mlan a to. each s smart lt--, if you paid your pevinus a-,th's halance in full (err it your I sad-e ,ws zero u a credit --I, rte . ns whirls pc,t to u, rxrrchase or u-id purr hale segments are not added to the dail?balaraes. Also, m that are uhoferr a grace period are not added to the daily balances. 2. To find rage Daily Mar ea 11 acid the daily halances together and 2) divide :he wm by the nurntsr of days in the tilling ryrlo. 3. Fstirna:e ynr Total Interest Charge: 1) multiplf Yo'tr wage daily balan.e try the da8y per iodic rave and 2j rnulnply the newlt by :ere nrtrtrr o' days n the filling period. NOTE: Due to ..,ding or e minimum interest charge, this r.fCnI nau may vary from the interest charge actually assessed. /low can my variable Annal Percentage Nate (APR) change? Your APR may increase err decreRw based on one of seven standerd indices reMrpd in The N;aff Sneey gum of To find sJtcn index is -d fur yore account, lank for a rode (P, L. C, 5, D or F) m, this fruit of this statement next to the APR(s). Then check the table below: Code next to your Annual Percentage Rate (APR) Inde): which your rates are bared on When your Annual I'serceritage Rate will change P Cuanerty Prince . margin pcviwsly disclosed to you The first day of I've L G,adedy LIBCR - margin peviously disdoeed to you, billing p.ioa5 tall C ,uadorly CD+ rnavgin pir-ia.sly disciowd to you und in Jan.-, Ap 1, S -- 86,*k ad Pointe + magi, pnesiously disctosed to you July and Dclot- [l Monthly Fmna margin p...... ly Ciselosasi m yrx: The first day al aaeh F Mvithl IIEtGP, a magic prow nroly disllosed h gnu no-thly hillieg G - slay LIEY`Y -min pmwausly disclosed to you Wr od. Ne there Additional Fees associated with nq account? Yes, under certain circumstances, may be assessed a Late or Returned Payment Fee. y nay also be charged overlunit fees if permitted by la:, We r e:he right to not ssess e.s without prior -Tree and svithaut svanving our right to assess n6 similar fee later How ran I Close My Accowll? You may close your acrumt by railing or writing our C-wrnw Relations Doty-ment. At :hat time, we will provide ad1liinnal details including payment infoman- If y,,.. use yuu t dil card a ::harge, lost m your acrnrxt after you ask as in close it, Yee can keep your account open To avoid paying any applicable me ol-hip tees, ra. to close vow ii-wit prior to the end of the cycle in which it is scheduled to be billed. What happens H npArta- is SUaaended? Wenay,lase at suspend yow ii, Tiount arid your right to obtain credit at any tkne and for any reason, even H you are not in default. &eoun suspen,ia, ran he T-Taanen: or Temporary It your account is closed or --ended 1) stop using you credit and and account. 2) camel all automatic payments. 31 you ciest.a TH credit cards and access checks, and 4) pay ail amounts you owe us, even it :hey were charged after the account was closed or suspended. Flow do I Make Parnwds? Payments you rrrail to us +-,ill be credited to you a¢aurzI as of The t ..in ss day w as long as' t) you send the bottom pa6un o1 this statement and your check in Chap nud-d reminanse envrlope, and 2j your payment received in one of ow pociesing centers by 5pm local time. Please allow our least r7) buniness days for mail delivery Mailed VaYn,en:s received IT, ,, a. , other loran- or in any other f...... ay or N .-redlted as of the day ••+T rereive them. D. you Process Paper checks as an CLl rte Funds Transfer? When you provide a check vs payment, you authorize us and our agents either to use information irorn vow check. To make a onetime electronic fund nosier from your depovt account a, to process be paym-r i, a check n-, n. When iota r .•us from you check to stake ar, eleeunk turd transfer, funds may be withdrawn from your deposit accou,; as soon asthe same d- e+e ve your payment and you all no1 receive lure -heck luck from you financial in;Ta,.fian. You authonzation is nut fnnitcd by the. date on the rhr--ck. We may rc-submit and ele: tromalh• collect ,he reutmed payments. What H I file for Hankntplcy? If you are Doubled to hankmptry pmtgtion, this a[ion is for irdoe any, it is not an attempt to C,11-, asx•ss or recover a deb: or daim. Don not and us paymenb without speaking with your hankrupcy attorney or Thou Bankruptcy Court. P you or your attorney would like to contact our bankruptcy claims v?n•i, •. directly, please contact Capital One PO bas 85161 Richmond, `;A 232845167 RILL ING FIGHTS SUMMARY (Dees No, Apply to Sr nail Business Arcounhl What To Do It You Think You I-i std A Mlistake On Your Staten ent If you think then: is an on your statement, write to its at Capital One P D. Be., 30285 Sal! Lake City, UT 84 30-0285 In your lettw, give us the 4o8owkrg iMrn nanun'. Account in tormatgn_ Your name and ar count m rnber. Dollarartount Ihedgilarar.,o,an:ofthewWe.-.t-dvrut D-rimbn of P itil-,: 1`. you think there man error nn your hill, d=scnhe vial you feGeva is wrong aril why you believe it is a mistake art ,, within t;<.• days after the error app,,rod nn •yaur+:atem.ent. you us of any potential w,ors in .,oiling. You may call us or notify us 0,T" takr. but t you do we are not required to imp;t,gate any potential Boor: and you may have to I,- the am.., in question. While w stigate vvherher ar rot There has bea=n an error, the toNOCVing are True We cannot try to collect the amount it, question, or report you as delinquent on that amount The r. harge its question may remain on your statement, and we may comine to charge yuu interest nn that amours:. Out. P. sw determine that eve made a mistake, you MII net have to pay the amount in question or any interest or otherl- related to that amount. nWhile you do not have to pay the amount in question until we send you a Write atx•ut The --me of our investigation, you are.... mible for the rv-;nder of your lulance . We can apply any unpaid anount against your credit limit. Your Rights H You Are Dissatisfied With Your Credit Card Purchases. H you are dissatis!ied with the goods or services that you have puchased with younadi! card, and you have Tried in good faith to correct The problem with the rnerch,nt, you mayrhave the right not to Ni, :he remaining amount due an the purchase To use This right, all of the following no T be true' The purchase .it have been made in your home -c a within 10D.ales of your rumen: railing address. and the purchase price roust have been more than $50. (Note. Neither at these .,y H your purchase was based on an advertlsemenT we mailed to You, a, if we Darr, the campany, that sold you :he goods or services ) 2. You ra-I have used your credit ,and for the p-hase. Purchases .. ade vifth rash rich-iss from an ATM our with a check that accesses you. credit card account do na! qualify 3 r y of yet have fully paid far the pooh,,,, if all of The criTerie el,eve are me: and you are still dir,sa isfied with the purchase. contact us in N'nlNlg ae_ Capital One P.O. Box ark 85 Salt I ake Ciry. UT 1514 3Dr•285 While we investigate, the same rules apply to the disputed amount as discussed above. At- we finish our investigation, we will tell you our derision. At the: pain( if we Think you owe an amount and you do not NY we may report you as delinquent. Capital One wPpurts into, nation pivaey potertion. s our teire at wt+••.v "Pitalone com Capital One h a federally registered service mark,. Capital ve On, Financial Corporation All rights reserved 2010 rapital Onr t i =n8 '15•'•)'710 Changing Address? Please print address or ohone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure © we process your payments smoothly: Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your L9 statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. - Last but not least, be sure to write your 16-digit account number on your check. 5':G3L: Grow your savings faster with Direct Banking ` t Why open a Direct Banking account? Because it's online, we offer higher rates than many traditional branch banks do on many accounts. Get the growth and convenience of saving money online FDIC deposit insurance increased to $250,000 (through 1)131/2013) Convenient 2417 account access MEMBER (Routine or unscheduled maintenance may impact accessibility.) FIC capitalonedirect.comDirect Banking Page t of 2 1-800-867-0m www.Eapitalone.com/smalibusiness May.18-Jun. 7,2010 31 DaysinBiAmgCyde - -- - -------- - - - MINIMUM PAYMENT WARNING: If Vi-L poke 0nhthe ninimrm psynimt ear, pelind, you will pay -air. irlenest and it will tie rya bnget io µ1,v off your balance 10, -rvlr. , VISA BUSINESS CARD XXXX-XXXXAXXX-1393 Payment Amount Each Period If No Appro>omate Time to Pay Oft Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total Cost 54,905.81 5124.00 Jul 14, 2010. _- Mnimx Pay rrO -T--- iYears T 6N ? ± 3Year $6326 $1 7 rdrasr ra, Al rrts •snls y.?kriu: Your estimated savings if you pay oft this balance in 3 years: $`,26"3, Credit limit SS,000 00 Lash Credit Limit: 52,500.00 It you woad 8ke intormalion atout uc6tc-elint serv-. call l 8M 376-3X55. `S9a 19 Available Credit: Available Credit for Cash: S94 19 LATE PAYMENT WARNING: It we do rat retxive y xu rir.-Nyrent by your cue date, . ._--__------ --___----_ ynn my have to Pay a$39 ?,jo laretee. ,. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - - -------- 54,870.19 ? - 5125.00 -I- S?533 I -} 5145.29 54,905.31 `-------------. (BUSINESS TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOYCE M DRAPER #1893 1 14, JUN Cv.PFA_ONE ONI!NEt,T.4TAuth'?te 14-i1-IN (S12S.COi TRANSACTIONSFORIOYCE M DRAPER #1893 1 17 MAf GiAYT FUEL #263FNOLAPA 556.63 2 17 b1AV GIA"JT r?OD #Z69Uk%1i1 HI'1P4 Sly 96 3 17 !.'Al .61ANT. 00D #26KNOLAPA 513.64 4 17MA{ C,REA,T CLIPS #9339F*UIPA S14.(Xl 5 01 JUN !URKJFf H!L: #230ENOiAPA 520 00 6 05 iUN C ,:ANT FE[ #26 IF %101 AP4 S20(11. (• Trial Trarrsactions This Period $145.29 FEES Tolsl Fees This Period SOioo I otal Fees This Year (561.00) BUSINESS REWARDS INFORMATION PREVIOUS AVAI±A8! E REWARDS 3AL4'4( 7,652 RE'NARDS FARNEFi TH'.5 PFRiU'J 1146 (re5ea> timsacliahs tbsted /luring thi, IA ng qi le) AVAIIABLE BALANCE AS OF 06!1,7;2010 For up-to-date rewards traddri visit www.capitalone.com(nohasslerewards or simply call 1-800-228-3001 Small Business INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Nuchase_s I'.9(1%D 4,955 09 S75.33 Cash 2490 % D So 00 SO CIO Transactions Continue on page 2 PLEASE RETURN PORTION HFL OW WITH PAYMENT OR LOCI ON 101 NWW.CAPITALONE.COWSMALI RUSI NESS TO MAKE YOUR PAYMENT ONt INF. 1 4802132379951893 17 4905810125000124001 CW V_ Account Number: 4802-1323-7995-1893 Due Date New Balance Minimum Payment Amount Enclosed Jul 14, 2010 $4,905.81 11 $124.00 PLEASE PAY AT LEAST THIS AMOUNT JOYCE M DRAPER M-A D MIRALCES, INC DBA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 IIfIIJlllnlll,ll??ll?,?III??JI'1111"Illlllllhll?lrlrr,llrl,l ORGANIZATION MADE EASY. Forget the filing. Manage your account online and simplify your life. Sign up at www.capitalone.com '00011 Capital One Bank (USA), 'J A- P_0 Box 71083 Charlotte, NC 28272-1083 nlllll?llh?nlll?lrhlllll^111111?I1?l?lllrll??flllllllrlul Please slake checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Wbat is Capital One' Direct Banking? Convenient and secure ce^ificates of deposit, money market and higher-interest savings accounts. Since you are banking "directly" with us, vve can often offer higher money market and savings accou it rates than traditional branch oanks. How do I know my money is safe? Unlike some investment options, your Capital One Direct Banking account 'is federally insured by the FDIC. For more informal on about how FDIC insurance protects your savings, visit www.fdic.gov. capitalonedirect.com These products and services are offered by Capital One Bank NSA), N.A., and Capital One, N.A., members FDIC. 2010 Capital One. All lights reserved. oul Fbw can I avoid paying Interest Charges? kaeh mnn•h you pay your "New Balan_r" in r.al, you will haw m 9,a a plriod u 25 days wfrh n intecst charge on all new 11 pu',ir s, 21 bal,u- [ranncl s, 3) spatial purrhav.•s and 4) other cru.y- f' you have been paying your ac coup: in fu11 with no enterer charges q,,, ied and you do not pay your next bill rn 1,0. prorated inters! ch=.myes swill he assessed There is no gra a period on cash advances, y,rcial ran sfrts. or on any nw T-- Lion Torn [here i> an unlor id talanrc from a -4- till I- k the Irpemt Char a applied? Interest charges a- from The!) data of the I 2) data the tr nsac:ion h x sed or 3) firs; calendar day of the billing period- Interest cha,ges ac, r. unpaid anx,- until it is paid in full. This means you ny uwve I tthargrs even n y u u pay the-Tire"N-&,, I.nc one month, but did nut do so for The pn-io> month ! Inpaid inter?•s: Tha,W, arc- added :u the proper sopT. : o? y,ur Account Hosvevrr, awe resen•e the right to not assess nuo-charges at any time. Do you assets a Mrlirrum Interest Charnel Yes A minimum INTEMST sW WF of "50 will be assessed for cacn billing pe,i,d your account is sublet! 1. an intern charge. How did you Calculate the Irderest Chame I I I-a are several ,cf-lanO., t hat ate used !o determine you total mt Aest Thal ge 1. To get your Daily balance: For earls seymen!, 1)!a l,e ,he beginning Man- and add in new uornacrions and the periodic interest charge on -.he peeirrus day's haWnce. 2) Suh',,aci any p..yments and credits',, That segment as of tha! day the rc s,dt is the daily balance !or each seg,nnui Sow-, if you paid your Ixeviuus month's tala_ in full (m iT y,ur haWnr. a Boas zero ,r a [[edit ameuntl, new ne-artions wMirh q,n to your purchase o, special pur,h-, segments anent added to the daily balances Also, Trans cibre that are sUbj- o a grace period are tot added to the daily balances. 2. To find [rage Daily 8,1a,ea 11 acid the daily bafan,es together and 21 divide the sum by me number of dayc as he billing , yrl, = Fni-, yno Total Interest Charge: r muftipi, your -age daily balance by the dail periodic rate and 2) ur,h.ply the Ie,,It by the number o! days in the billing period. No7E Due to mundmg or a rminknum in,eresr tharge, this talc ula!inn may ,cry fmrn he We-, charge -t-Ily assessed. h- can my variable Annual Ix rowil.ue F.I. (APW change? Your APR may increase .I deer s< based o ?n etandad indices reported in The Ylale Strait-an,af. To find which index is used for yet ae-ImT, lock for a ode (P, L, C, S, D or F) on the front of this statement neat t, the APR(s). Then check the,ablr below: Code next in your Annual Percentage Rate [APR) Index which your rates are based on When your Annual Percenage Rate will change _ p Ouadedy Rime margin p-ously disclosed to you The first day INTO L Ouadrrly LILOR margin gwiausly. is flied to you billing pariodo th t C I:uadexly M e r-pir pr-iously disclosed to you emd le Janu'Y, Aplfl, 3 13-1, ad Prime t margin pmnously disd..W m you July and Ccl.trer- D Monthly Fum in pawl ,sly dimdmad to yr„ c The first day of eact, F rgin pmt,,sly dis:;bsenh you IdmIh. LIeCiP.+nn ,mRNy I,iYiry G -rrs.satry t.lL- magi, prenously disdosat Fo you Period. Are mere Admtioral Fees asso[lated with my arcountt Yes, under certain rirrumnanres. may bey a,,,,wd a La!, cr Retorted Payment Fee- Y nay also be ch,,g,d uverlirnit fC-es it permitted by lase We reserve:he right to not -- e=s with- prior notice and without waning ou right!, assess a anila, tee later. Huw ran I nose My Aunt? Ynu may close your a¢wrtt by calling or writing ... t71 v met Fti adons Department. At in,, time, sve AN provide additional details in: :hiding payme.ts il,ri nation. If yuu use your c[edit raid w charges Post in yore acco sour after you ask us t, ,lose it, we can keep your account open To avoid paying any applicable membership tern, call to close your ac.eunt prior to the and of the cycle in which it is scheduled to be billed, what happerss n nny A<rn.... I, suasendedi W, may dose or suspend your account and your High! t. obtain credit at an y Tire and for any reason, even if you are not in default. closed or vayx ndrd Arc aunt... pens[ n he penuauw or lernm-y nYur a c: nuns is •) smp using your ....Ji, and and ac 2) Cancel all -.11 1C pay-1, 31 destlov TO credit cards and access checks, and 4) pay all amounts you owe us, even if they were charged after the -o unl was closed .[ suspender J. How do I Make Pavmerds I Pay,---U, you mail !o us swill be rredi[cd to you, a,c- ni e, of the tmsiness day we t-We it, ,,1111n9 as t) you send the bottom Wrirn of this statemem and you, check in the endo>ed --it-, -lope. and 2) your pay- i fined in no of our processing confer. Ey Spurn local time. %ease allrnv are lezst t71 business dols f.r mat! delivery Mailed puymmte received h, us at any .:he loratlnn .r n, any other form may nor he credited es u' he de, - receive them. Do you II.- Paper Checks as an L:lechorric Funds TrarsferT When you provide a check os payment, you auihod- us and our agents either :, use information!moor your cherk.:o make a time aloe tram, Lund nenste, Tom your dap-it account or to process the payment as a ch.'k. transaction. NiFree sou- a inrlnarion fmm yOU, check to make an electronic Fund funds I. ay be s,ol drese im `from your dam,it ac,ount as soon as tho same day - ve your payment and you will not recenm your cM1-ck hack fmrn yon financkl inst-hun .no,vcally YOU, authwiza,k.n , nor limited by the date on the check We may resubmit and ell. collect the remmed payments What It I file for Ranknuptry? It you are entitled r. bankruptcy protection, this cation i> for info[ only, u is nut a,. a -rnpl to coNecl, assess ur mcov-r a drdv: -r lc lau. Do not>mdus paymen. tAlhour speaking with your hank,uptcy a;torney.r due bankruptcy Court. IT you w you, attorney avoultl kke to contact our bankruptcy claims >en•i.er directly, please contac t Capital One I )BO,. 851t7 Richm:sud.VA2328'.5167 E01 LING teCfiTS QIMMAfrY Toes Nu' Apply •? Small Business Ac,nunT>y What T, lk. It Yuu Think You rind A Mi take D,I Yo,n Statenrnt If you think there ^ an n your >ta:amen[, avne t. us al Capital One P.0 box 102 W, Sall lake City, UT &1130 02 65 In your I-, give us the fzA.-ag infnnna'ion. Account information our I name and a:coulr nn-llx=r. Wilar sinot t he dollaramount of the susp,,,1,d --- t)4acrigtion of PmMem- It you think ilia[e is an error on your hill, destrihe what you tzliwe.s wrong zntl ,why you bekwis a r it nake r CO."" u> within 60 cl y,, afte, the euo• aprx,-J on •your statement. nntfy us of any p>rential errors in sv_l itkitn a? You may tall u> or notfy us ale. nunic..lly. but r you do sve are not require: J to investigate of 7 potential euU,; and you may have'. pay the amount m question. While we investigate whether or not there has b=an an error, the t.11-ing are rnre: We cannot by t. -11 n the amount in question . report y.u as delinquent on tha l am..uu, The charge in q-T= may remain on your state nren,, and we may continue tc charge you intelest on that al-ur But, e. sx' determine tho' we made a mistake, you will not have to pay the amount in question any in e . DTI-!a,, related to that amount. While you d, or If- or pay the amount in cluelion until we and you notice ab,ut:he :,utc.rne of „y in•esigation, you are msmu,iblc for The remainder of your halo-, We can apply any unpaid amours again[ your credit limit. You Right, It You Are N-tlsfled With Your Credit Caret Purchasers. V you are di>saris?ied with the goods or s-ices that you have p -hosed with your credit card, and you hart tiled in good faith to con- the problem with the merchant, you may have the light not to pay the remaining amour: due on the quchaw. To use this right, all of ;hr following must be tore' '.. The- Putrhase must have been made in your humor stare or within 100,-, iles of y.ur current rrwikng address and the Wrcha>e price must h.- - berm moue than E50. (Note. fdeither o' th'- necessary f your -h,n vas based o r am usement sve railed to you, or it w r ,he c.mpany that sold you -hesgoods or Benes.) 2. You s! hat Bed you ,edit card to, the purchase. Purchases made with rash advances 1- an ATM or with a [heck that a.ce>se1 you, credit card acc.unt do not cwalify. ; You runt not yet have 1uBy paid for the P.,: Ifa se If all of the c ena at.- are mr, and you are sidlcdrs>aus-*d,sith the purchase. conutt us w pat Capital one P O. Box 302 85 Salt Lake amity, JT BS .356285 While sse itweftigate, the same miles apply to the disputed amount as discussed alo- Alter we fin ash or in airigaiiou. we will tell you our decision At that (mint, if we Think you owe an amount and you do not pay we may report you a, delinquent Capi,al One wpWrts irforrrelion primary prof. 06'. s veb>ite a; sx,nx,apilalone r capital One is a federally registered service mark .1 Capital'One financial ColWn:inn. All rights ,e.erved 5.20y 0 C-apital One I: !tb O'v:llitil Changing Address? Address .......................................................................................... ........................................................................................... Home Phone ...__._..........__.................................... _..........._............... =-, Alternate Phone .......... ........ ......... .............................................................. E-mail . ._ ................_..._......._._.........._.........__.._ Address .................... .. Please print addressor phone number changes above using blue c r black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. Last but not least, be sure to write your 16-digit account 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 Page 2 of 2 --- ---- 1-80067-0904 - ---- - --- ri -- 9 --, wWw.Capitalone.CorrVsmallbusines5 M 18-Jun. 17, 2010 ay. mBillin f e 31 Da ' -'edit limit: SS,r10000 VISA BUSINESS CARD XXXX-XXXX-XXXX-1893 A41ableCiediC 59419 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit tunic SS,50000 $4,905.81 $124.00 Jul 14, 2010 AvailaNe Credit tot Cash: S94,9 Previous Balance --- --- Payments and Credits ?- Fees and Interest Charged , Transactions New Balance S4,910,19 - ; S125.00 ` } ( 57533 + = 1,1119 X4,90561 BUSINESS TRANSACTIONS CONTINUED INTEREST CHARGED !Nt?R:S CHARGE PGRCJI -;SFS 575.33 lotal'.iderest This Perini 57593 "otal aderest [his fear `;43522 t Get Paid. Twice. Online Savings Account • Great savings rate ! vAmolaag9t? • 10% Bonus on interest earned ZZ(ZP . • No fees 10% Learn more and open online by visiting BONUS' capitalonedirect.com/get63 500457 VISA BUSINESS CARD NEW BALANCE 54,713.41 Credit Limit: 55,000.Or) Available Credit: 5280 59 --- --- ------ - Previous Balance ------------ - S4,905.31 - Page 1 of 3 7-600367-0904 ,, Jun g(-P www.capitalone.comismallbusiness .is-)ol.n,2010 30Da mBiNin -- ---- -- - -------- - MINIMUM PAYMENT WARNING: it V. -*L only the ninir'-l Payment end; Period, ynu s ill pay note in im erest and d vrill rti:r yon longer to Pry off you hAartce. For exanpir: )(XXX-XXXX-XXXX-1393 Payment Amount Each Period if No AW oomute Time to Pay Off Estimated MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cat h7iniremt Payrrenl RYPars }i';, 62 5718.00 Aug 14, 2010 -- -- ---- - -- - 41: 3':e.=.r, 46,126 rkf asE ear r r tEaST THIS aenptur Your estimated savings it you pay oR this balance in 3 years: 45,0:6 Cash Credit l unit: 52,500.00 It you swnld like irfiumafion abc,0 a alit ca,aselu g services, call 1-858-326-5055. Available rredil for Cash: 5286.59 LATE PAYMENT WARNING: It ne du rut rekaive 1 our rvimm payrient by four due hate, -_--.----- ---- _-__- you my havE to Pay a$39 ffil late fee Payments and Credits Fees and Interest Charged -} 5650.00 ---? + S71.15 J L- , BUSINESS TRANSACTIONS ------------------ - --- PAYMENTS, CREDITS & ADJUSTMENTS FOR JOYCE M DRAPER #1893 1 26 iUN CA,Pi'ALONE NLNEP7'MiAUttli,ate26-:UN (5160.001 2 C7JUI CAPIL4L ONE 0`40* 'i1.4 rAuthl?ate 07 iUL IS250 -001 09111E CAPI?ALOfJEON uPJEUthi Ie09JCL (5250.001 TRANSACTIONS FOR JOYCE M DRAPER #1893 1 ..4 ;UN GIAfJT T'r1EL #263E140IAPA S57 78 01 iUL GiANi Fu EL#26;FNOI.APA 55212 3 02!!11 7'.JRKF,'HIL1 423CSNoAIA S?5.01 4 08;UI- IDEAS IN ACT10N9563995554(X 5198.93 5 10SU1 '^VILC' 7001 OOC70011HARRISBURGPA SQ61 ? Total transactions This Period $386.45 FEES TDIal FPes This Period SO.00 Total FPes This Year 1561 .00'1 Transactions New Balance 5386.45 54,713.41 I BUSINESS REWARDS INFORMATION PREVi00S AVAILABLE REwARLiS BJ.LANCE .7.798 RE'NARDS FARN`D THIS PFRIOD 387 (reIen, hansac lions posted durxap this billing q,9P) AVAILAB'.-t BALANCE AS OE 07117/2010 5,135 For up-to-date rewards tracidog, risk www.capitalone.condnohassierewaMs wIa'a or simply call 1-800-226-3001 Small Business INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (AM Interest Rate Ruchases 17.90%D 1 ;4,335.96 117i 1S Cash 2490%D 50.00 So CIO Transactions continue on page 2 PI.FASF RETURN PORTION RFI OW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.CONVSMAU-BUSINESS TO MAKE YOUR PAYMENT ONLINE. 1 4802132379951893 17 4713410250000118007 CRW Pr- Account Number: 4802-1323-7995-1893 Due Date New Balance Minimum Payment Amount Enclosed --------- - -----_. _.---?. ------- --------? % ---------- Aug 14, 2010 ( 54,713.41 $118.00 PLEASE PAY AT LEAST T HIS AMOUNT JOYCE M DRAPER R A D nIRALCES, INC DBA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 II'I"IIII'I'Ill'I"1111'I'11"I''Illl'tIIIIIIiIII1111rlllrll"'I PAPERLESS STATEMENTS Stop waiting for the mailman. View up to 13 months of statements anytime-online. Sign up at www.capitalone.com 400007 Capital One Bank 'USA), q A P O. Box 71083 Charlotte, NC 28272-1083 IIIIIIIrIIlrrulll?lrlllllll??!lull ?ll?lrlll?Ilr?llllllllrlnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. InterestPlus Online Savings Account • rate • 10% Bonus on interest earned • No feesDirect Ranking Great savings Learn more and open online by visiting capitaIonedirect.com/get63 ' Annual Percentage Yield (AP19 in effect as of 06»102110. 1.35%APY applies to account balance], of 52,500 or in ore. 0.00% APY applies to balances less than S2,500. Rates are variable and may charge at any time. Minimum deposit required to open the account is $2,500. Withdrawals by online transfer are limited to six per calendar month Each quarterly bonus will be equal to 10% of the interest earned on this account in the previous quarter In order to be eligible to receive this bonus, your InterestPlus Online Savings account must be open, and you must either maintain an average monthly balance of at least $15,000 in this account every month during the previous quarter. or, you must be an owner of an active Capital One'` Credit Card in good standing (not restricted, not over limit, not past due), with at least one transaction per calendar month. The bonus will be paid to your InterestPlus Online Savings account within 4-8 weeks after the end of each quarter. This account offers electronic statements only. The amount of the bonus may be reported to the IRS as required by applicable law. Terms and conditions of this offer may change at any time. MEMBER This product is offered by Capital One Bank (USA), N A., member FDIC. 2010 Capital One. All rights reserved . (?i FDIC liow -I vmd paying Ione-t Charges? Each ono M1, y.,u pay Your 'N- Balance" in full, you will have a mi.lmum grace t.riod .f 25 day`- with no interest charge on all 1— 1) purchases, 21 batarrne nansters, I) special purchases and 4) other charges. Y you have beer. Psjrnp •MUr a, coon: in ",It with no interest cherries applied and you do not pay your next bill NrN....rated interest .h=.ryes 1111 tr assessed Therms no grace period on cash advances, yyrr ial trap lrn s, :.1 on any uc-sv rr,- Goy Mn1 there is +n unpaid balance from a txc-virus hiN 1,#.w is tlw Interest Charge applied? Interest charges aama frog. me t) date of the tr..=.nsac:ion, ?) dateme nomac:ion h prnressed or 3jfirst calendar day of:he hilling period rnteresl rearge. a. unpaid .anxrunt until is is paid in full This means you map uwc esf :harges o11?.ii r y> s pay the .-mire "New' Belance" o .. month, but did .rot do s. for the pe . rnth paid inn•t harges am added :u the proper segment of your Accumi h...... r,we resew. the right to not assess interest harges at any time. [b you asess a M. nl.ruin Mterest Charoey Yes. A minimum INTEWST OUaRGE n' 50.50 will to rise seH for ear h MNirrg peu ed Your ..aunt is "'bile.! to an interest charge. How tliA you Calculate the Irerest Charge! fh.ra ace serer al calcula;iom ;hat are used :o de!err,une your total interest ctryz. To get your Daily Balance. For each segment, 1) rake the begening balaure and dd in nay ntur-rions and the periodic interest charge on :he r,cloons da•i s halanre 2) S.Mract any payments and credits'.. !bar segment as of that day. 11,11 result is the- daily tlarxe for each segment However if you paid your prious month's balanc in full (nr it Your baiance .vas zero or a credit am.unt), nevv transactions .Mirh Ix.sr tc• ur Ixurchase or slser i.•.1 Ps r h..se seSenent: are not added to hc- daily b.:lancrs Alw, a actions that x e utsject rn a grace period ar t added to the daily balance=.. 2. To find gage Dailyrl)zlance. 1) add the daily balances together and 2) divide The -by the rumba of t YS in the telling c yrlr. 3. Estimate yrnu Total Interest Charge: 1) multiply your !rage daily halo n ce by the dray periodk rate and 2) multiply the i by the nulacer of days in the telling pem.d NOTE- Due ro I-mi ng a a minimum interest charge, thus calculation may nary from the intmest charge actually assessed- Ho.v can my --till Annual Percentage Nate (Al rhange7 sour APR may increase .r d-c_ haled on one of ..van =.andard indices rep-pd in The ""'r S,ca`t +.i To find lohirh hide. is -rl for you, r-,,uur, look fm a code (P, L. i S, U w F).,, the from .f fl i statement tea to the APrysi_ Ti check the table below. Code next to your Annual Percentage Rate fAPR) Index which your rates are based on When your Annual Petcerrtage Rafe wIN Glange _.-. P Ouederly Prime+ margin p.-iwsly disclosed to you The first day W Bye L uaderly ul - rtwtgin pwiovay mwl sect In yon, billing potions Tat C uaderly IX)+ "Mil puviouslY disclosed to you o nd in January, April, S ------- ------ eackcard Pit-+ margin per v.-ly disdosW lo yuu July and October. D Monthly Friel. nvt m pea i-My died-d to Y- The first day of -h F M.nthly LIriOR + margir• pre s...Y dl-losed In ycu monthly hiring G - ray LIBOR + margin meAuusly disdi lo yat prsriod. Are there Additional Fees avsodated svhh my account? Yes, antler certain 6rcumstarr_es, may be --d a tat or Retuned Payment Fee. You tray also be charged -ii ic=es it jr- pennirtetl by law 'Ne 111..1,11 the right :. - ...-'ee= Mm- prior notice and sviti .vawing .ur right !.assess a similar fee later. How an I Close My Account2 Vou map close your acro.rrt try railing or -ling cim f-tnmec Relations DeVatmenl At d- tune, sou wall ...vide additional details including payment ;nl r n If you use your n edit card or , li post to vow acro.xt etc, you ask us r. rlos.^ it,s a ran keep your a: count open To avoid paying any aPpkrable memb-hip fees, .If to close your acwms, prior ro the end of :he cyce in ev ich it is scheduled to be billed. What harpers H n,y Acrou.rrt Is susnerrdedl We may lose or suspend your acroun: and your right to obtain credit at any Time and for any reason, even it you are Trot in default. n rounr suspensive, can be permanent .r reryxxa. •! If your account is, bsld .r r srtmy ` susrurndrd 1) stop using year c. edit card and account, 2) carrel all automatic payments, 31 deall credit cards and access checks, and 4) pay all amounts you ocvr us, even h they were -isawd afrer the account was rlcsed or suspended. Flow do I Make Pa rr ents? Payments you mail to is sill be credited to your account as o' :he husin ss day w e it, as Innq as !) you end the bottom ..onion of this .,are-, and your check it. The er .dosed rernir:ance erwAW,, and 21 your payment is received in one of oul processing censers try 5pn local time. Please all- aT least C) business days'., mad delivery. Mailed payrun3 rerrived try us a! an•y n:hra lorari.tn nr in any oche. form may not he credited as A the day:- "reive them. D. you Pin- Paper Cher ks as an Electr.ne, Funds Traruf er? When yc•u provide .? r i a s payment, you authorize us end our agents either t.: use iniormation from yow chec Y. :o make a onetime electronic fund transfer hnm your defwvt arc ount or m..roc ss the paym 1h. Is Uansaction. War" we use infornmtion hum your rhroc to :rake an elertronir P1ln.d a nartsfer funds n,ey b wchdram `. mm your depo.i[ acmun' as soon as the same der, ev+ e your payment and you will not ...rive yom : neck i fmrn yen finandal insa;uriou Yom uthorizetion is not kr,ired by the dale on :h^ chi We may recut it -d O? t!--4y ..lire: the lemled payments. What ff I fflefnr Bardersmtrv7 if •I ou are entitled t o baulk urtry pre -ion, this xcarion is for .nforn.t i it o rev[ an attc-mpt to collect, assess r re: eve: r a deb! w re fa m Do not smd us p,mcn. viii speaking s,cm your hanWuP:cy attorney r.r the 6ankruptcy Co.,% r you or your ettwney would Id:e to contact our bankmpe,y :u-r,. v--i.e, directly, ryleate coi t.01A One 16- 8516' Nch,,ci :A 2;2855157 all.11% Altil S SUMMARY f1i No, Apply ro Sr ,It Rosins. A.ci,mu,) What Tu W If You Think You Find A Mistake On Your Stal-rst: If you thin], :her: i an n your totem i write to us at Capital One P.:l. Box 3:1285 Salt take City, UT &'1130-0285 In your lertx, give .11,11 follasving infonnaricn,. Account information. You. name and --n: nurr,i Dollar amount. The dollar amount of the suspe.'b?d esror. Oescriotion of Problem' V you think there is .an eror en your hill, d-i-ii .Mat you bekevr is wrong end vvi you believe it is a rrsistake v- must . art us within 60 days after the Fro, aprei on yrna s'aternml. ronify us of any potential cn on ut w+itinq. You may call us ur no:fy us .Ice tropically. Mut if Vou d. we are not required [. inye _tigate an'! Potential errors and Yon ma.4 have to pay the a n rites . W'hNe wte rrvestigate .Meth.. a nor the.. has begin an error, the toNo:ving are !mr- . We c net try m culler, m,11 armor: in yues:inn c r--purr yuu as delinquent or. tho': --t Ti charge in question may remain on your s;a!ecnent, and we may ronrimae to charge you interest on that amount. But, a wl detecainc that eve made a mistake, you .sill not I- zo t y the a o in cues:ion or any in other f-s refaced to mat amount 'while you do not have !o pay the mount in question until we send you a notice about the 'tu[corne of not im•estig1I;.1c Yml are 111,onsihle 'or The rerne7nder of you. T.11 :.• We can apply any unpaid amour: agmw your -dit limit. Your fights If You Are Dlssath fied With Your Credit Card P--mdse.. n yuu are cl isfied with the goods or services that you have punt scd with your credi! card, and you have tried in good faith to carer.: the problem with the merchant, you may have :he right not [? I., The remaining amour., due on the purchase. To use th a right, all of the following must be true: ^. The purchase onus: have been made in your home ,are ur cvithin 1011 mile. of yuu, cum,nt ead'esg address, and the purchase price must have been more than wo (Note. Netther o' these .,y a your purthase was based _ at. adyerlisetnenl we mailed to you, -t we ohm the company that sold you :he goods., services ) 2. You must have used your credit card:., the purchase. Purchases made evim cash ..a_., from an ATN1 m with a check that acres... you. credi: card ac ant do no! qualify. 3 1n1 .our yet have fully paid for the puurrhax. It all of the criteria above are met and you are still di satisfied with the purchase. contact m stinting al'. capital tyre P O Box 30185 Salt take City, IJT M 113 61, Whi ue investigate, the same rules awl, to the numted amour: as discussed above. After ve finish o investigation. .will tell you o., de. hion. At that pint, it we think you owe an .mooi and y u do rat pay vve may n,i you as delinquent :apical One.... imrt> irdwmation privacy Fxo .ctiom. s letnire a: lvmvrapitalone r.m GVi!al One is a federally reygtered service mark ut (apt:alrOrue Financial Co.prra;iun. All rigors re,ewed €: 201ll Captal One I?-06 p5r'J1i10 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone... _........_............................................... .......................... Alternate Phone ........ .... ........._..................................... ............................. E-mail L? Address ......- ._.__....... .......... ................ ....... .............................. Pl i h h t dd b b i bl bl k i k ease pr n ress or p one num er c a anges a ove us ng ue or ac n . Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly.- Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account 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 Page 2 of 3 1-800367-0904 ! www.Capitalone .conlfsmallbUSlness lun. 18 - 1u1. 17, 2010 30 Days in BiWing (y<ie Credit omit: SS,000.OC I VISA BUSINESS CARD XXXX-XXXX-XXXX-1843 Available 0ed h. Si3u ;9 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limit: S2,50C. 0C $4,713.41 $118.00 Aug 14, 2010 AvailaNe Credo for Cash. S13u 59 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 54,905.81 - 565D.00 , t S11,15 } 4386.45 c 4,71341 l ll -- ['BUSINESS TRANSACTIO NS CONTINUED INTEREST CHARGED ',NT`RcST CHAR6-PURCHGSFS S7' 15 Total !merest This Period 571 15 ' ',, Total ;nterest This fear 5506 37 ,, Get Paid. Twice. .03468 • Great savings rate 1 3 5 • 10% bonus on interest earned 11i"rrr0re • No fees I-M rr Learn more and open online by visiting BONUS` capitalonedirect.com/get3 Enter Offer Code: S43NSCDDF Paget of 3 1-800467-0904 w ww.capitalone.co nVsmal Ibusi ness Visa Business Card XXxx-xxxx-xxxx-1893 j NEW BALANCE MINIMUM PAYMENT DUE DATE $4,822.68 5122.00 Sep 14, 2010 i PUASt PAY At I INS! THIS AML7IIW Jul. 18 - Aug 17, 2010 31 Days in Billing Cycle i • -- --- - -- -- ---- - - _ J MINIMUM PAYMENT WARNING: If yw rr.3ke only thr rrinirwm payment "'t ted.1. you Ml pay mot e rc it v-t ana it ,ill i4r p., longrt la pay 41' your balance I or rxar%plr: Payment Amount Each Period If No Appropmate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Caa Ntini-m Payment 22-(ears $i', ,43? $1 ?4 1'feats $6,765 Your estim mod savings if you pay off this balance in 3 years: $5.1,64 Credit limit: SS,CCC. W Lash Credit limit: 52,500.00 It ya., twoid like intonation afoul aedit c-elinq services, cal -865-376-:x'155. Available Credit: S'!. 77 2 Available Credit for Cash: `,'.77.32 LATE PAYMENT WARNING: It we co Pot revive •, o H rerimu i payrert by your cur dat,, _-_-- -._...__.-.. _----- -._.-------- ----_---- --___----- ---- ----? yx may have to pay a$39 AO late fee Previous Balance - ---- ---- ------- - -- - --- Payments and Credits Fees and Interest Charged Transactions --- --- - - -- - - - - - - New Balance 54,713.41 • 5693.00 t S74.12 ------ ---- ---- - ---- -- ? } -?-_5727.85 , 54,822.68 CBUSINESS TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOYCE M DRAPER #1893 7 2010L CitPITA.LONEC!Nt;NE?'I'^PikuthAtel9-1UL {513.00) 2 26101. CAPITAL ONE ONUNE '.'r161Aufi0a1e 26-:UL isi 50, GC) 30101, CtiP!TA.LOrJEOWLJNEPtF.4TAuth[:ete3C-JUL (50000) 09AUGCA.PIif,LON EONU*'(EAiA.Wh7:te09-G-U( , (S125.CC) 5 i 6 A U G CAP: Tl,.L IA ONL'NT Prr.4TAuthDate 16 AUG 15200.00) TRAN SAC TIONS FOR JOYCE M DRAPER #1893 1 '31UL GIANT FGEL #263 'JOIAPA 5529;6 _ 201,0E DEPS'd4ACTI0N95E,-3995554TX 524121 ., 201,1.1E TURKS, HIU_#28C=NOLAPA ,31 38 4 .7 AIL uG'.S.NT P--;EL #263ENOLAPA S5688 30iUL DEAS:NACTICIN9`,6-3995554TX 59313 6 01, A'JG GIANT FJEL #263lNilU1PA. 555.71 7 `0 A'UG!DEAS!tJACTICN956_t995554TX Sub -31, S '1 A''J0 SUNOCO 000363892CP6ECP,i{NICSBJPGP4 55.00 9 ? 2 AUG GIANT F:IEL #263ENMAPA. S1.0.50 10 12 AUG TARGE'- C,GiJ2.020MECH,ANICSBURGPA 513.98 11 '6 AUG GIANT E(JD #263E'10LA,PA 521.19 10, Total rrarcaclmm This Period $727-85 Transactions continue on page 2 --- - - - --------- ------------------ ------ -- -------- ----------- BUSINESS REWARDS INFORMATION PREVIOUS A'JW- 1 . PNARDS 3AlAWE a,'d35 REV,A.RDS F1.RNEG THIS PEPKI'D '72.8 (re8ed; hansacliuns lusted during this billing qA0 AVA4A8I_E BALANCE AS C'F C/1 7i2f'.0 3.91 .3 For up-to-date rewards tracking, visit r. www.capitaloFie.com w?+. - or simply call 1-800-226-3001 Small Business INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Ptltdiases 17.90%D ;4,895.15 574.42 Cash 2490%J SC. or SO. CO P1.EASE RETLJRN POR ICON BELOW WITH PAYMENT OR LOG ON TO WWW.CAPI TALONS COMISMAL LBUSINESS 10 MAKE YOUR PAYMENT ONLINE. 1 4802132379951893 17 4822680200000122008 Account Number: 4802-1323-7995-1893 Due Date New Balance Minimum Payment Amount Endosed Sep 14, 2010 -I 54,822.68 $122.00 PLEASE PAYAT LFAST THIS AMOUNT GREEN FACT! r 1 tree can be saved for every 13 people that go paperless. Sign up at www.capitalone.com JOYCE rl DRAPER MA -D - nIRALCES, INC DBA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 Illllllrllll'I'Illlllllllll'Illllll"11" II'Illllllllll"lirbllt 400005 Capital One Bank. (USA), •J A. P O Box 71083 Charlotte, NC 28272-1083 nlllllrlllr?nlll?llrhlllllrrllnh rllrlrlllrll^Illlllllllnl Please make dtedcs payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. InterestPlus Online Savings to Great savings rate - 10% bonus on interest earned • No feesBanking Learn more and open online by visiting capita lonedirect.conVget3 Enter Offer Code: S43NSCDDF Annual Percentage Yield (AVY) m effect as of 06/30110. 135% APY applies to account balani of 51,000 or more. 0.00% APY applies to balances less. than 51,000. Rates are variable and may change at any time. Minimum deposit required to open the account is $1. Withdrawals by online transfer are limited to six per calendar month. Fach quarterly bonus will be equal to 10%of the interest earned on this account in the previous quarter. In order to be eligible to receive this bonus, your InterestPlus Online Savings account must be open, and you must either maintain an average monthly balance of at least $10,000 in this account every month during the previous quarter, or, you must be an owner of an active Capital One Credit Card in good standing (not restricted, not over limit, not past due), with at least one transaction per calendar month. The bonus will be paid to your InterestPlus Online Savings account within 4-8 weeks after the end of each quarter and will be reflected on your statement. This account offers electronic statements only. The amount of the bonus may be reported to the IRS as required by applicable law. Terms and conditions of this offer may change at any time. MEMBER This product is offered by Capital One Bank (USA), N.A., member FDIC. 2,• 2010 Capital One. All rights reserved. FDIC I+ow ran I awnid paying fool-t Charges? Each month you pay your "N1nv.aloe." in hsn, ps, willhaw m'ra;e yv.v iod o i5 days with n. interest charge on all new 1) purchases,')balance transte. s, 3) sWCia I purchases and s) usher charges. If you have bee., prying your a', cnun: in full with no interest shames applied and You do not pay your neat hill inn, pnrztecl interest'ba'sses will he as--1 mere is nu grace Fo l on cash xtlvan-es, yse.:iA tr:ausf,, s, or on any 1111 nans.:. Tell,. when. ,here is ..n unpaid halvnca from a Ixc-vi: nos bill How is the Interest Charoe apiclied% Interest charyes acrme from the ]) date of the n, 2) clan, the nar i?n h is-essed or 3. firs; calendar day of the Mlling period. Inc Wi rho, gas --Ten .well unpaid annum until it is Ikid e, full. This ns you may uwc s est rest; harge; s•vrnc you pay the cn:ire"N'ew Balam on= month, but did' nt do so fc, the ,in-imas .-th r inlaid krtevest rhamge, are ad&A Z. the pmp, segment of your Account. However, we reserve The right m nn, a sass .merest charges at any time. Do you assess a Minimum Ito" Champ? yes. A mnimum INTEREST 01:Jd3E of $0.50 will he assessed Y r each hipin9 nliotl you, aclmmt is vatject to an mains[ charge. How did you Calculate the lotet .t Charoe? !here are --1 calculations that are used to de!e tone you. total mtoesl harge 1. To get you, Daily balance: For each segment, 11 take the beginning balar and add it, new .,.. and In, periodic interest charge on :he pevious day's fsvi.,-. 2, S,.A- any la-- and ,edits for That segment as of chat clay. the resuit is in, daily Manle fm each -''intr.[ How-, if you paid your pre-vious month's haum,. in `Tell (er it your nalenee was zero or a c-llir ameuntl n m whirh post In Ter txacchase m sp wl purchase segments arengt added to :he tlaily Blames Also, trains ns that are s,.tyect to a grace period are not added 1. the daily balances. 2. To `ind rage Daily Balarae. 1 f aAd t)se daily balances toy--[her antl 21 divid. ;he u.m by the umber of days in the Mlling cycle 3. Es!imat, ynur Tn;al Interest Chang,: 1) multipk2 yon .rage daily balance ty the daily periodic rate and 2) n.oltiply the result try the --,l er o- days m the baling r,v..A. NOTE Due to morseling Ter a minimum interest charge, this cakula!iprr may vary from the intern-st charge actually assessed. now can my variable Anti Percentane Rate (AM rhx.g.? Your APR may increase nr decrs=.sa hosed on one of a•ven standard indices report.d in The 1^;aX Street -1 To find ,-rich indca is -1 for yon arcn,.nr, Ionk to, a coda (P, L. C, s, 1: or P) ern the from of rhis statement neat to the AlMtis I. 1 hen check the table below. Code next to your Annual Peni's' ge Rate (APR) Indeo which your rates are based on When your Annual Percentage Rate wig change p Cuadoly Prene+ margin pwiously disclosed to you The first day of due L Ouadaly LlE-mai" periasly^isloed !o ywt GR billing peroo^that C ,.Aaty M - -gin pw orsiy disclosed to you rind in January, April, 5 Park- Frans argin pe,.-Iy disdosod to you July and October. n laorthly Fri- + rvTr in prov'nusly dinclosec to, yo•' The First day or each F Mnrithl I.IITGR + margin pruvi ,usly d,.Ahs C to Yo, monthly bininq_ G 7 s+,ry LIBOR + maroon peviu..1, disagaxl to you Wood. Arethere Addltlonal FLate ees associated with my arrount? Yes, under certain r'rrrumstanrii may b e e ss.ssetl a m IBctumed Payment Fee. You may also be charged overlirait tees it permitted fly I", 'N, reserve The right :u not asses= ee: without prior ..tire and without 'vowing our right to assess a vmik, fee later. I4ran 1 Close My Arcotrtt? You may close your account by railing or [writing our Cs,sto ma R=. ions Ikyar, enc. At That Time, ,, At pm vide additional de;ails including payment irsforrnatign. If you use v: c, edit ...A ex charges post to your acmunt oter you ask us To close i'. we can keep your uarccount open To avoid paying any applicable mcambe,hip tee; cat to close your account prior +o m- end gf The cycle in which it is scheduled I. be biied_ what happens h my Atrnum Is S.r roded?'Ne may :lose o' suspend your .:roan: and you right to obtain credit at any rime and for a n if you a hot it, default. Act i ...W.'ni n he rsennmsc nt or filmyrary It your acrnunt ir.,llmed or suspended :'j stop using your, edit and and account, 2t cancel all automatic payments, 31 d,s; my•a 11 c,e cht cards and access ch,eks, and 4) pay ail anrour+ts you use- us, even r :hell were ,hanged after the ..=.cconri was rinsed or suspended. fbw do I Make Pavmerrts? Payments you ,,it !u us .sill be rmtlitc-0 to your account as o` ;h. business day wre rqa a it, as long a, J you send tfte tsottom re,lien of his starenxnt and r check in the endosed r., ottanre envelope, and'.) your payrne. eived in une of our Ixocessing centers by $srn 1-1 time. Please allow e least (71 business days for mail deli-y. Mailed payments nereived Iv, us at any other lore- or in an,:>rhn form..a, nor he -dd.d as .f the Jay cw rele've 'hen,. Do you It[seers Paper Checks as an Electronic Funds Transfer? when you provide a rhrek as payment, you authorize us antl our ag-.Ts either 1. use information from your check to make a e eleolmoir fund trans'..' from you, tlei-t account or to process the poly'-..", as a one t. chr. kr ransactinn when -use information from your check to make an elecrmnk 1-d Hansa', funds may he s,41hdr-, fmm your tleposi: account as soon as the same day •w, re Ynur P:tynren, and You wit no, receit+• you, !heck back t'o'n yore fnanrial il,,,z, tin n authorization is not limited Illy th.- dare on Th- check. We may rciubnht and 0-. onic 4, ,.Ikct -be renamed paymc-n:s. What it I floe for Bankruptcy? h yr,u are entitled to bankmptcy pmt.^ction, this cation b for information only, it is not an --pt to collect, assts, o' re,-, a deed, our laim Do not send us V,, -nn without speaking with your hanWurY.[y ---V u, th, bdr.u.V`,LY Cou t. r you Ter you' eto. tey would late to contact our bankruptcy claims v.eic? r directly, please comas t':apital One PObor.8516'- Richmond, VA 2.3285-5162 RILLIN1G WcarITS SUMMARY (Does No, AppIY to $,,all Business Acclunrs) What To no It You Think You 1-;not A Mistake On or-or Slalena•nu If you think th- o ..n color n ynur s--m, wn.e to us ail Capital Ore P.J. Ions 3028'; salt Lake City, UT t !1 00i lit your hi give us the following in , ..... Account intocmatiun. v and ac coon: number. thllaramount the dollar-,con; of thc-susPr..t_d c-r ma. Description of Problem: If you think there is an error on ynur Nil, de-cribs, mh., you believe is mug and+vfiy you bAieve it is a rlri!lak, r c art us within 60 days a'- thr error app.. M Ten yn..rt s:atem°nt. ratify us of any p,r Twl a f ors in writing You may ,It .n or natty us ele:,rnnically. b[rt it you do s . _ not -11to Investigate any potential .nor: and you may have to pay the amoun!in quest; N,'hile we investgate whether m not there has Bern an ain't the folowwing are time We ca sot it, to collect the amount ill cPaestien, e report y- as deinquent on !hat amount. The charge in question may remain on Your state.-vent, and we may rontimse ru charge you interest on that ooT o.w. But, r sve determine that sire mode a mistake, you will not have I. pay the amount in qu,s:ion or any interest or other fees related ,o char a,nolora While you do not have To pay the amount in question until we send you a notice about the oatcmne of o,, invesrkgation, you ......onmiMe `or the .e-;nder of you, ha o-, . We can apply any unpaid anmunt ag.,iust your -dit limit your Rights If You Are N-ti sfied With Your Credit Carol Purchases. If you are' cl. isfi d with the goods or services that you have pur,ha-i with your credit carQ and you have tried in good faith to correct the problem with the merehent, you may hmte the right .of to pay the a ning amoum clue Ten the Wrchaw. To use 1h, right, all of the following roust be Tme' i Tfm puchase must have been made in .or hums state u, within 100 mile, of Into rurmnt mailing address, and the Wrchase lice roust have trem more than $50. (Note, l ithiT of these eCesseny it ymr punhase was base,] on an ado ati,emern s,, maied to you, or if we grny the company that sold you the goods or services ) 2 Voss must hate used yam credit lard for the purchase. Purchases r.atle with rash adsrerxes from an ATM pr with ol check that =_cressez your [recut card account tln rim 4nalify. 3. v oust not Yet han. fully y.aiA fur the pur,hase It all of the criteria above are mr, and you are still di, satisfied with the purchase, contact ua =inter at: Cilp0al0ne P Co Boa 30285 soh Lake City, Ili M.'.50285 While we investigate, the same Riles apply to the cisputed amount as discussed above. After we finish u stige: will tell •loss our de, ifion. At that Mint, it we think You owe an amoum and y.. do not is, we may report you as delinquent. ;apit.l Cone supWrn info-it". I aivarv Fxo[ectiun s vAysite a: rvvnv capital-nom Capital One is a federally reyis:antl service mark i., cay:tM Pre Financial Comora:ion. All lights re.ewed 2010 Capital Pte 1: ?R ;rSDt:10 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ...................... ::-- Alternate Phone ......................... _.......... ..................................................... E-mail 0 Address.... .._...._._--. .............. .................................... . Please print address or aitone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. - Last but not least, be sure to write your 16-digit account 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 ?. Page 2 of 3 --- 1-800-867-0904 - - - - - - --- -- - W W W.Capitalone.corWsmalibusiness l Jul. 18 - Aug. 17, 2010 31 Da in Rilhn9 Credit tirnit: Sy 000OC Visa Business Card >0=-XXXX-XXXX-1893 Available (,edit: 177.= NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Cred# limit: S2,50Qoo , $4,822.68 ----------- $122.00 -- ------ - ------ Sep 14, 2010 -- --- --- --------- Avail.He Credit is Cash: ----- -- ------ ------ ------- S177 ? ------- -- Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - 54,713.41 - 5693.00, } S1742 j + 172785 i 54,82268 . ___ __--- _ - - _ -_. ---- - - - --- -- I BUSINESS TRANSACTIONS CONTINUED ? - ------- ---.- ---- FEES :oral Fees Thi; Period So 00 Total Fees This Fear is6I.00i INTEREST CHARGED NTc REST CHARC.'t: RCH."S-S S74. C2 1 otal '.it[erest This Period 574.42 Total:merest This Year S580 79 Open an InterestPlus Online Savings account today 50(1452 A savings account from Capital One" where you Get Paid. Twice. APY* with G(] ¦ or more PIUS BONUS* a Great savings rate • 10% bonus on interest earned • No fees -- - -- - - _ Page 1 of 2 1-800-867-0904 - - -- - --- www.cepitalone.eonVsmallbtisiness Aug. 18 - Sep 17, 2010 31 Days in Billing Cycle ; MINIMUM PAYMENT WARNING: If yru -ke W-h!Fe nenirum Payr-t each Pedoc, You trill PaY reye ir. interest ""d it will tatr Yoo Inngei M pay ufF yem balarxe. I'or examPlr. Visa Business Card )DO X-XXXX-XXXX-1893 Payment Amount Each Period tf No Appmrimate rime to Pay Off EsiinMed , NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Male statement Balance Total Cal - - - ----- 55,073.11 5125.00 7 2 Years } 110 Oct 14, 2010 Minimum Payrrret - ------------ 4183 ? 3Yeai; 46,591 ' 1 P1I,W PAS 1,T I EW I HS aaa)xr Your estimated savings if you pay oM this balance in 3 years: 45,467 r - Credit Limit: S5,C00-00 Lash Credit Hinit: S2, ,G0,CCI It yru woald like int-lioc about nedil camsehrg servir_us, call .-888-326-8055. j Available Credit: SC 00 Available Credit tux Cash: S0.00 LATE PAYMENT WARNING: ;t v , do rut we ive prat rtir.im rn peyr, t by your due date, , you my hat to pay a 439 DO care fee. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - 54,822.88 I 5450.00 5113.86 t ? -} ? 5586.57 I = 55,073.71 ? , -_- --- -?- J 1 ---------------------------- BUSINESS TRANSACTIONS --- ------------, BUSINESS REWARDS INFORMATION PAYMENTS, CREDITS 4 ADJUSTMENTS FOR JOYCE M DRAPER #1893 PREVIOUS AVAI:.ABIt RP ARDS 9AU WA 3,91 .3 ' 1 19A000API'A-ONE ONLN-RTV1AuthDate19-A11G (5200.00) j RF'.'Y'ARDS Fy,RNEU TN',S PFP100 Sao 2 15 SEP CAPITA! ONFON?_NF P'fY1TAud,Data 15-SEP (525(1.00) (reflects hensa<tious posted during this billing q, 1P) , TRANSACTIONS FOR JOYCE M DRAPER #1893 A'JAIIABLE BALANCE AS OF 0911;12010 9,499 1 17 AUG TLIRKF-( H!li #2S0PNrJiAP4, 510.14 < ISA:JG:DEA,S;NACTION95o3995S54TX S123.36 3 26 AJG IDEAS iN ACT1014956 3995514 X 5109.22 4 29 AUG TLRKF( SILL #280EWLAI PA 510(11) For up-to-date rewards traddng, visit 5 3'iAiJ6 GIANT-OE1 #263E1,10UAPA 52001 www.caiWoFie.com cao 6 (3 SEP TURKEY HT: #2n0 N(AANP 520 00 or simply call 1-800-228-3001 Business 7 06 SEP GIANT r'JEL #SPAECHANiCS61;R GPA 553.35 S 16 SEP TJRKFi HiL; #28(!M"'_1Ph - --- - ----- - - ----- - 51546 9 6 sE? loeas INArnON956-399555a1x 813386 INTEREST CHARGE CALCULATION 16 SFP IDEAS 1N AQhON956-399555"TX S85 6? - 111- Total Transactions This Period j586,57 Your Annual Percentage Rate (APR) is the annual intere5-t rate on your account. Annual Percentage Balance Subjed to Type of Balance Interest Charge Rate (APR) Interest Rate ---------------- i huchases 17.90%D 54,924.43 574.36 (ash 24 9096 U 50.00 sO. CA) Transactions continue on page 2 - -------- - -- -- - - ----------- Pi.FASE RFTLJRN PORT ION BELOW WITH PAYMENT OR LOCI ON TO WWW.CAPITALONE.CONVSMALLHUSi NESS 10 MAKF YOUR PAYMENT ONUNF. 1 4802132379951893 17 5073110250000125005 Account Number: 4802-1323-7995-1893 Due Date New Balance Minimum Payment Amount Endosed -- ----- - ------ - Oct 14, 2010 $5,073.11 $125.00 PLEASE PAY AT LEAST THIS AMOUNT GO GREEN. SAVE GREEN! Pay online and save money on stamps. C Sign up at www.capitalone-con 40DO08 _ J JOYCE M DRAPER M-A D MIRALCES, INC DBA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 ?Il?l?lrnrllrrrll?llll?llllnllllmlr?nlllllll?llllrlll°nl Capital One Bank (USA), 11 A. P.O. Box 71063 Charlotte, NC 28272-1083 II1111l-llh,II111-II-IIIlnl,-Ilull. 11.1,111-II--IIIIIIII-IIII Please make checks payable to Capital 0 ne Bank (USA), N.A. and mail with this coupon in the enclosed envelope. rF InterestPlus Online Savings A%" Learn more and open online at capitalone.com/save14 10% Use Offer Code: S4ZZ75VDF earvln _ Ca -Bank Get Paid. Twice. 'Annual Percentage Yield (APY) in effect as of W,93110.1.35% APYapplies to account balances at S1,i or curve. 0.10%APY applies to balances less than S1,0(10. Rates are variable and may change at any time. Minimum deposit required to open the account is $1. Withdrawals by online transfer are limited to six per calendar month. Each quarterly bonus will be equal to 10% of the interest earned on this account in the previous quarter. In order to be eligible to receive this bonus, your InterestPlus Online Savings account must be open, and you must either maintain an average monthly balance of at least $10,OD0 in this account every month during the previous quarter, or, you must be an owner of an active Capital One Credit Card in good standing (not restricted, not over limit not past due), with at least one transaction per calendar month. The bonus will be paid to your InterestPlus Online Savings accourt within 4-8 weeks after the end of each quarter and will be reflected on your statement. This account offers electronic statements only. The amount of the bonus may be reported to the IRS as required by applicable law. Terms and conditions of this offer may change at any time. M?EMB¦E?R This product is offered by Capital One Bank (USA), N.A. .member FDIC. I Y.V 9; 2010 Capital One. Capital One is a federally registered service mark. All rights reserved. 'ull, 11vw ran I avoid paying hrterest Charges? Tab month you pay yuur 'New Parlance" in you avi6 have a minimum grace pr.tiod of 25 days with no interest charge on all new 1) purchases, 2) balance transten, 31 special -chases and a) other charges- If you have been paying your ac coo e: in full with no interest charges applied and you do not pay your next bill in pr.rated in:crest charges s,ill he assessed There is no grace period on rash advances, y?ecl.1::amen, o, - a." new h.: - con ,b- mere is an nmsiid hal- a from a previous Nil Hove is the interest charge applied? Interest charges accrue from the 1) date of the transaction, 2) date the transaction is processed or 3) first calendar day of the billing periol. Interest charges 6'k rn npaid anxnant until it is paid in full. This :ns you - est : harges oven rt yvu pFy the emirs "New balance" on.. nth, but did sot tlo so for the p'eviosn month Irnp'd Trite ,? charges are added io the proper styrncrn of your Account. However, sae rescue, the right to no, a ss Interest charge-, at any time - Do you asses, a Minimum interest Chame2 Yes. A mnt- INTEREST t114,RGE of 50.50 will be assessed for rash billing peiod your acrounr is,,bjczr to an m.crest Jlarge. Fkwv did you Calculate the Interest Charge? I bete are seen at cafurla:tom :hat are med to detevrnkme your rotor interest charge. 1. To get Vow Daily barance: For each segment, t) take the beginning balance and add in: -:ransactions and the periodic interest charge on :he pevious day's balance it Suhnar1 any payments and -di:, for!he, segment as r-f that day the muds is the- daily balance tar each se,n-r, Howrr rt, if you paid your previous month's balance in full tar it your Nan- was zero or. credit annum), n r. s v hirh post to ur rxrch- or special purchase sr o nen1s are not added to the daily balances Also, a ono that are sui to a grace peroA are not added to the daily balances. 2. To find -rage Daily hlalanr c- 1) aid the daily batences together and 2) divide :he sum by the nundw, of day; m the tilling r vile T. Estimate y,nr Total Interest charge: s muhiply your sage daily balm::. Isy the daily pcriodk rate and 2) nmft,ply the result by the rmr Tiber o' days in rtse blling period. NOTE: Due to rounding or a minimum interest charge, rho raknW!iorr may ,-y from the int_rest charge actually rise sed_ How can Try variable Annual Percentage Bate (APW rhange? Your APR may increase nr dereasz based can one i seven aoudad rushers reported in -he 1a(KSLr t maai To find ,,hi, h indc-x is used for your arcetmt, bok Poo a rode (P, k C, S. 1) or F) on the from of rhis .Erlerwnr next to the APR(s). Then cheek the table below. Code next to you When your Annual Annual Percentage Index :which your rates are bared on Percentage Rate Rate (APR) MIT change P Cuaderly Prime + margin previously disclosed To you The first day W CIo L Cuadwly LIEOR - rtwgin prwi-Ay disclosed to you tilling pwioda deal C : n:a.dral 013 - :-gin ix-i,xrsly disclowd to you end in Januwv, April, Bank'ud Prinz; +margm prea -ly disclosed m }u July and October. D lAw ti Frim, + margin pear msly disdo,x to ym The first day W as-b F Mnrrthly LIHOP +margm previnunlq disrlosu: fu you cmddy IwNing v -airy LIPCF+ margin prmxuu.ly dndosni io yo,,, pariod. Are there memo ?al Fees associated with my account? Yes under certain cireumnai may be assessed a Lale or Returner Payment Fee. y may also be charged ovedimit fc-es it ITermi!!etl by law We reserve the right to - au.=ss'- without prior notice and without ,carving our right !o assess. imilar fee later. Flow an 1 Close My AT-writ y Yon nose close yuur nt by calling o ing o .s trmet Relations [yepartm.^rrt. At that time, we VAN provide .additional details including payment infonr-mr,. If you usr your "edit card on charges post to Von, snow., after you ask us to Anse it, awe -an Lee, your act :aunt open To avoid paying any applicable membership tees, all to close your ac cunt prior o the end of the cycle m,which it is scheduled to be biped. What happens it my Air gnat is S-reenbd? We may :lose or suspend your at'ro m and r right to c in credit at any time and for any reason, even if you are no! in default. "o i susl?ens n hr pt•nnanen: or terrgx?rarY if your accouni is, J.'d or nspenrI '.1 slop u.iog yc•ur "edit card and account, 2) carer W all automatic Pa Yrrn'n!s, 31 des: oy'all credit cards and access checks, and 0) pay all an o-G, you oax= us, even n :hey were charged Ener the accoun: was closed or suspend M. How do I Make PamVe y Payments you mail to m v ill be --di To your account as o' me husin "day eve recei a it, as Inng as :) you send the bosom portion of this sEa-Ven, and r ?neck in the enclosed remittance ewelope, and 2y your payment is received in the of our processing censers by 5prn local time. Please allow at least (7) r sir- days for mad delivery. Mailed payments received hi us at any other loranon or in any other form rnav nor he: rMitrd as of the day sou rerelve he ent- Do you Process Pater Checks as an Llectrromi Funds Transfer? when you provide a check es payment, you auor, and our agents either to u information from you, check. to ,Hake a me Nectronir fund transfer 1mm your depot;• account or 1. process the P" chi. k nansacsi[m When wr, use inf:m-non from y -, ketk to make an deetronk :,Tod a tranrcr, funds may biz s,ithdrawn'rur•, your deposit account as soon as ttrc same day y,r we your payrnrnt and Von six not 'i your :heck tuck Iron, your finarr"ral i-:-Tiun. authorization is not Friited fry the date on th- check We may resubmit and ere:. tarn.. a 11, collect mr, rearmed pays --nts. What It I fit. for EHnknupt[y? If on are entitled :o bankmptry protection, :his o cation is for irAOr uniy, , is not an attempt Te collect, assess or crenate, a doh: rc claim 1,,o not send us payments avithgui speaki,g vith you[ bankruptcy attorney or the Bankruptcy Court. It you or, your atlwney would hke to contact our bankruptcy JOET11 v: Herr:: oiec Ely, please coma: t Capital One PO box. 85167 Richmond, `ii, 2 32 955167 BILLING RIGHTS sUMMARV (Does No! Apply to 5mar Business A-,unts) Whit To nn It You Ti Ynu Find A Mistake Ong Your Slate1-du If Von Ihink throe n n on ou yr statemem, -rite to us at Capital One P_J_ box 30281i Sat! lake city, NT 8x:30-0285 In your lean, give us she Pollnvwkq infnnnation. Aecnunt krI.T ion Youi nat'r and ac re•unt netrnlxn. Dollar antoort The dollar enrount of The susl>nt:d ci cur. Descriohon of Problem: If you think there is an.rror on yuur hill, describe what yon beG=vr is srnong and why you beliwe it is a mike. within 60 days after the enm appear TJ on inur staternw?r. Ynr must notify usrof any E-tial ermn ua s-Zinq You may call us or -to, ns nler trout -11'. but d you do we are not required to investigate vey potential enors and you may have to pay ,he amone, in question while w investigate whether or net then, has bet-n an error, the following are We cannot try m collect the amount in..... Zinn o rcpt, you as delinquent on That amount. The charge in q.-Ii- may remain on your statement, and we may continue to charge you intwest en that amount. But, e. we determine That we made a mistake, you still not have:" pay The.mouni in cm-on or any interest or, other tens related to That amount. 'While you do not have to pay the amocmt in ques lion until we send you a Heber anon, the ?.?,tone of nr.r in-igation, you are.... -its,'or the rernahader of en., barren, r . We can apply any unpaid amurvnT ag.amt your c, edit limit. Your Rights If You Are Dissatisfied With Your Credit Cartl Purchases. d you are di-iis+ied with the goods or services that you have purchased with you rediT card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to I- the remaining amount due on the purchase. To use rh-s right, all of the following must 1, tme The purchase must have been made in you[ home state or evd:hin 100 rT,iln cf your current mailing address, and the pathos, price roust have been more than S50 ,Note. Neilhn o: mr;e dre .e swy 0 you pw chase svgs based on an aci tlsem n, re, marled to you, w if we orn1 the company That sold yon :he goods or services ) 2. You must he- used your credit card for the prchase. Purchases made with rash advances?corn an ATM or with a check that accenes 'on your reedit and accouni do not qualify- ? rnrnt not yet have fully paid for The pw:'ha x . If all o! The criteria above are met and you are stillch satisfisd earn the purchase, contact us _tir at: Capital One P O. box 30285 "it Lake'icy, IJT M,3tLr, g5 While we investigate, the same i apply to the 6 spurted amount as discussed above. After ve finish o stiga: , will tell you our decision AT that pint, if we think yo: owe an a u . and von do not pay we may report you as delinquent. Capital One fulyrgrn irdwnuliuu 1?tivaey protection s r vebsite a: vynsnv rarit,,lrr, tom Capital i is a federally registered service mark of CapiWlOne Einancial Corporation. All rights reserved :_: 201 IT Capital One IC-08 n!v91/tU Changing Address? Address ........................................................................................... .............................. -........................................................... Home Phone ...._._ Alternate Phone, ......_.......__.....__ ...................._......_._............................ E-mail Address.__...._....... __._.__................. .......... _ ................... ...... _. Plea i t dd h b h b i bl bl k i k se pr n a ressor p one num er c anges a ove us ng ue or ac n . Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly. • Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. (1_ Take Control with Online Statements Managing your account online is easy: Check your balance and view recent activity View and print copies of past statements Pay your bill online Sign up at: www.capitalone.com Page 2 of 2 1-800-867-0904 -- - - www.cap"lone.com/smallbusiness Aug. 18 - Sep. 17, 2010 31 Days in Rifling t.-yde '', ---- --- -- -- ------- - - - ---- - ----- --- - r ( redit limit: Visa Business Card )0=-)=X-XXXX-1893 Avallahle Credil: NEW BALANCE MINIMUM PAYMENT DUE DATE (ash treJR ti:nit: $5,073.11 $125.00 Oct 14, 2010 ?---- ---- _---- .-_.__ AvailaHe Credit far Cash: Previous Balance Payments and Credits Fees and Interest Charged Transactions 5450.00 S4,822.68 + ; } S113.36 SS3a T ).BUSINESS TRANSACTIONS CONTINUED FEES 775Ea CVER,!'A-I FEFSi-F,20i0 539.00 i otal Lees This ?ernod 539 cc Dotal Fees This "ear 522.(30) , INTEREST CHARGED I?VrERESi`HARGEaIlRCHASFS 574.36 Total inlwlt 1is Period 514.36 Total 'ole,estihis'/eai S65S6S Your accumt has gone -er is credit limit To asrrd additional medimit Tees, you should pay mole than the ^.irumum Payment. lease pay enough to Bing your account brlance WOW yrurr Credit Noll irnmediatehy, and make sure your accamt balarrce iemains below your credit limit. rlease be sure the amount you pay accounts ?or any future pur teases, fees. and',inance c14mes. ,5,0,00.00 l SC.0C 52,500.00 I, New Balance S5,073.11 SOU3u2 Grow your savings faster with Direct Banking MEMBER FDIC Why open a Direct Banking account? Because it's online, we offer higher rates than many traditional branch banks do on many accounts. Get the growth and convenience of saving money online • FDIC deposit insurance increased to $250,000 (thmugh 12131IX 3i Convenient 2417 account access (Routine or unscheduled maintenance may impact accessibility.) capitalonedireet.eom Direct Banking Paget of 2 1-800-867-0904 www.capitalone.com/smalibusiness Sep. 18 -Od 17, 2010 30 Da to Riling ( K}e MINIMUM PAYMENT WARNING: It you r oke only the 14611,e1 payl-t -h period, yoo will pay rrzxe in interest and it will I4:e you longer Io pay TO your Wance. For rxanple Visa Business Card )O XX-XXXX-XXXX-1893 Payment Amount Each Period If No Approximate Time to Pay off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statementealance Total Cost 55,062.03 $12$.00 Now 14, 2010 h5nimumPaytrent 3Years $18 3 Years $6,579 FI.E 0.$f PAl" :1 I.k?.;T TMlS 0.fA:)11NT Your estlrn3ted savings it you pay off this halance in 3 years: St,4? t Credit limit; 55,0009) Cash Credit limit: 52500.00 It yw would hike rMon--ion ztoul oedit 1.1,11,19 srot-, can -886 376-.xd155- M4,;able Credit. 50.00 Available Credit for Cash: 50.00 LATE PAYMENT WARNING: It m do nol o,,-e pout urnirmm payment i y }out due 4al,, you Trey have to pay a $39.00 Tate tee. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance , i 5507311 111.... _. .. -- ... - - % - 5125.00 t5113.92 _ ---- -- ---. - ; l -- + 50.00 S5,06203 --' '----- ?---- -- Renewal NrAice - See lath sides of ate tirst page of this statement for important iotormatinn about rate' and interest charge ralculatiom (BUSINESS TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOYCE M DRAPER #1893 1 14 OC' CAPi'AL ONE GN'?'NE 10-AAuthDat_e 07-CICT is! 2", 00) FEES 1 16 0CT OVER'_ htlT FE OCT 1.5. 2C10 539.00 Total Fees This Period 539.00 nt. I Fees ihis'feal S' 7-00 INTEREST CHARGED INTEREST BARGEP'LRCIASES 574.92 I otal Interest This Period 574.92 Total !Merest 11nis Year 5730 57 ,,BUSINESS REWARDS INFORMATION PREY OUS AVAILABI± REWARDS RALA.NC E RE'.1ARD5 EA.RNEIi TH:S PERIOD (reilerts haf,W. Iions posted during the Tilling cy 1p) AVAIIARLE RALANCE AS OF 1011,'i2010 For up-to-date rewards tracidug, visit www.capitalone.com or simply call 1-800,228-3001 INTEREST CHARGE CALCULATION 9, 499 C 9.499 -J'r/Smell Business i - - ----------- Your Annual Percentage Rate (APW is the annual interest rate on your acmtnt Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate flJt:hases 12907 D `7,092.67 57492 Cash 2490%U S0.00 So.oo Transactions continue on page 2 P1EASE RETURN PORTION RFLOW WITH PAYMENT OR LOG ON TO WWIN.CAPI TALONF.CONUSMALI_Bt JSI NESS TO MAKE YOUR PAYMENT ONL INF. 1 4802132379951893 17 5062030125000125001 cqwa Account Number: 4802-1323-7995-1893 Due Date New Balance Minimum Payment Amount Endosed Nov 14, 2010 ! $5,062.03 -/ $125.00 - - 1 1 _ - ?! PLEASE PAY AT LEAST THIS AMOUNT JOYCE N DRAPER It A-D MIRALCES, INC DBA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 I?rlllllrrllrl?rlJ11,IIIIIIII111lJ'11111'Illll'I1111111H'II111 BE SAFE! Your trash could be an identity thief's . gold. Manage your account online and end the paper trail. Sign up at www.capitalone.cor7 400009 Capital One Bank (USA), N A. P O. Box 71083 Charlotte, NC 26272-1083 III1111,111r'llllI.Ir1111111'rlhllr'11-1,111.11,-IlhIIII-Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. What is Capital Ones Direct Banking? Convenient and secure cer,ificates of deposit, money market and higher-interest savings accounts. Since you are banking "directly" with us, we can often offer higher money market and savings account rates than traditional branch clanks. How do I know my money is safe? Unlike some investment options, your Capital One Direct Banking account is federally insured by the FDIC. For more informatlcn about how FDIC insurance protects your savings, visit www.fdic.gov. capita loned irect.com These products and services are offered by Capital One Bank (LISA), N.A., and Capital One, N.A., members FDIC. id 2010 Capital One. All rights reserved. ON How -I asuld P.ytng Ilderest Cha,ges? Each nt.nth y.u pay your Ne,, Balance" to an. you coal have a minimum y,- period of 25 days aaith no inters: charge on all ne-w 1) Purchases, 21, balance nanstc•n, ±) special mrchass and -)other charges. It you have been '. *to 7.1, account in'.ull with no in;ereY, cha j- applied and you do no! pay you eat bill in tall, prorated aaerest charges will ba assessed There h rw gra: a m,k.d on cash advances. sp_ I ban at aq or on any nl w nenwr tiwt a f„r, There o an unpaid balance cram, a p,eviuns NII lbw Is the Irderest Charge applied? Interest charges accrue from the 1) date of the anion, 2) date the transaction it processed or T) tint raienda, day of the balling period. In Ter gist ,haggis accrue on _- '"'Nil ana,uot until it, is paid in full. This means you may Dave t charges even e yon pay the eano, •Nerv ",,nee" one month. but died out do so for the previous month unpaid inle"es; charges arc added to the p.ape, s,ymmt of your Account. Howeaer, sve reserve the right a not assess interest charges at any time. Ib you annex a Mini,rum Interest C.haraee Yes. A minimum INTEMS I C]IIAW E of SO. SO will be assessed for ea,h billing period you, ec,ount is wbjec, man interest charge. I+- did you Celculale the Interest Charge? There- are several cakuk:ion1 that are used to determine your total intgest charge. 1. To gel you, Cady baiance: For each segment, 1)!ake the b pvn;ng balanc and add in .con .. s awl the Periodic interest: barge on :he previwn da,'s baiance. 2 j SaaMra- any pa,menus and crdi,, for that segment as of that day )he -AT is the daily balance To, each segmc+ T Hown"r if you paid y'ur rxevious month's hala,ne in full r x if your bat are was zero w a credit amour nsv [ramactiam Which p- to your purchase Os sp J,l pnrrhase seq,nm 11 ae not added to the daily balances. Also transactions that are uTbjec, !a a pace Period are no; added to the dally balances. I. T. find erage Uaify Baance. t)aldme daily balance-s myetlser and 2l divide ;he nlm by the number.f days m the billing ,Yrie 3. Fstirnate your Total Interest Charge: I1 multiply your -age daily balance by the daily pe,iorlic rare and 2) ae,hidy the Iesul[ by the number of days n ;he baling period. NOTE. Due to rounding w a mnimum interest charge, this,alculatiah may vary from the interest charge -,uatly assessed. Flow can rrty variable Annual Percn,tage Rate (APry change? Vow' APB may increase or derreax- based on one of sourer -lard indices reported in The 14'a0 Sf- lonnrai To find which ndex h used fur you, ..aoaan, look for a rode (P, t, c, S, D o, F) on The front of this statement next ;o the APR(s). Then check fie table below. Code neat to your Annual Percentage Rate IAPR) - Index which your rate. are based oa Whets your Annual eemerseage Rate will Change I - Cuadmly FYime - magm previously di-l-d M You Thl,lu.t day al Ma L Ouauwly LIBGre - margin prwiaeNy lunched to you billing priori d.at C :uarterty LYS+,naroin pevinusly di.closod to you raid io Janus. Y. April, 5 fi-ankcad Frilrw + margin prcviouslY disdosal b you July and October. D btmthly Ftme + r, taroin prow usly disc, d b you The rust day :l -h F Ma thly L IFiCP. + margin pu liausly di Hosed to yew monthly NO,,; G - Bury Lti + margin previously diecbsal b you period. Me there AdWrional fLillees aaociated with rty account? Yes under certain clrrxnsTan•es tiny be assessed d e eI Returned Payment Fee. You may ahu be charged overlimit Tres 0 permitted by trio We resenre the right to not -- fees without prior -li- and ,iffi-t avanting our right to assess d similar fee later. Lkt n I Close My Ace,"? vau may close your account by calling w writing o sn a met RP17 , Deparrnent. At ;hat time, we AM provide additia..I details including payment info" nation. If ynu use your credit raid w charges WIT to your account after you ask us t., dose it. we keep Sour account open To avoid paying any applicable membership fees, all ,a close your account prior to the end of the cycle in which it is scheduled to be billed. What happens d say Aria rr k <I.m•nr4d:+ Wc-may-Ice a suspend your .croon: and your right m obtain oedit at any time and for am, reason, even h you are no, it, &.allt. Acroun: suspension can be pennant-tit .r terrtpuraef It yaur account is closed or susnerefed t ., slop using your ,bait card and account, 2) c,ocol all autonta!ir payments, 31 des v all credit card, and ac,e,s checks, and 4) pay all amounts you oax• us, even it they were charged after the accmmt was closed." s.,penled Mailed payments re rived by is at any other loca'ioo or in arty ,lhe, form may not be:,edl,ed as of the day sve re. ewe chem. Do you Rotes, Parer Checks as an Clectru.l, I unds Transfer? When you provide a check as payment, you autill us and our agents either to use intonnation tram your check to make a an, e eleetrnnic fund transfer from your deposit accoun! or to process the payment as a ,heft van-inn b: her. we use inta,nsa:ion from roar check to make as ekttmnk fund [cancer, funds.:fay he s,ilhilo ea, from va., depnit account as .on as the saoie IT,) sve we Y>ur payment and too MN,IoT rc- your check back horn ymv financial it;ou'liu„ authorizatwn is not hailed Iry the dale on the check We may rcIubr-.n and ell;:[ran' alb collect ;he reomtr-d pryn...Is_ What if I file for Bankruptcy? If •you are entitled to barslimptry protection this cation is fM infornnalion only, i at ao .:tempt to coNect, assess or re"' er a deht only nmDO out d us p,,-.r, without speaking with your bankrupt,, aTtOrney or the Bankruptcy Cou t.an If you at your attainey would like to contact our bankruptcy claims -,ic,r 'fi-zly, please ctm,a.t C iltitai One PO Box 85."7 Richmond. `:A 232865l 67 BILLING MGHTS SITMMARY (Chas No! Apply !a 5-11 Business A,caunhl What To Do If You Think You Find A Mistake 0n Ya- Statennent. If you think th,.r.- is an nor on ya., statarnanl, write Iv us at Capital One P.'J_ Be., 31,2&5 Sal! Lake City, UT 641 lO 02tYy In your letter, give us the foNowing infnnnatiun. Account lino Lion v , ,,.n and account n-ber Dollar e mount The dAalanwunt of the cusp -od cr tor. Description of Problem' If you Think there is an char no your NO, describe what yo, believe is wong and shy, gal bdiwe it is a mistake within 60 dys atte, the co- appearYl on your statement . loo m:rs ?nAyc?"of any rote.:ial n ion. You may ,all us or nn:fy to alerttonicahY. but a you do sve are not required to inve,liga;e ant, potential ermrs and you may ha+e To pay the amount in question. While we investgate whether or at Chem has been an error, the i slowing are !me We c nut try to cage,-, the anouot in question c remn you as delinquent on th::t amount The charge in question me, remain on your s;an men,, and we may continue to charge you intenrt on that amount. But, 0. sve deterrine tha'. we made a mistake, you will not have to pay the amount in question w any ina,- or other fees related m !haT amotinr W ae you do nor have to pay the amount in quetion until we send you notice ab-t the outcome of our irnesTigation, you are resmnsiblc fur The rvrreioder of g... balanra. . We can apply any unpaid amount ag.lmt your credit limit. Y.- Rlghb If You Are Dlssatlsfled With Your Credit Carrl Purchases. P you are dr-6,1ied with the goods or services that you have purchased with your credi! card, and you bare tried I. good faith to correct, the problem with the merchant, you may have the tight not to par The remisiong amount due on the pulchaw. To use this right, all of the following must be tme: The purchase most have been made in your home state or within 1 a1 miles of your current mailing address, and the purchase price rhos: Oil- been snore than SSn. (Nate. Neither oT these an, scary 0 yooR purchase was based on an.,,- ,whew sve mailed to you, or it we rnvn the company that sold you the goods or services ) 2. You exist hale used your credit,. rd for the plrchdse. Purchases made with cash add-- from an A7M., with a check chat acoesses your crdi, card acroem, do not qualify. ; vat not y,I haw fuky paid fm the pun haax If all of the criteria above are tile: and you are still dissatisfietl oilsm the purchase. cama,t as wfiti_ ar Capital Otte P O Box 30285 5alt Lake City, ITT 64'i'.n?0285 While me investigate, the same r.ks apply to the disputed amuunt as di.... wd alyuv._. After we finish our i.weoigati.n, eve MII 1,11 you our do. man, At the; mint, if we Think y.u owe an a . . and you do not pay the may report you as deinquenl. Capital One supmn, information rat' rY sxot.•c riun s bsite at sxrv ea(italnne tom Gpi!al One is a federally registered -Ii- mark c' Capital ve Odle Financial Colpu-o- All right, res_.ed 20Th Capital On, 12 How do I Make P,--ds? PaymerrR you In.il in us ,ill be credited to your account as o. the tusness day we ra eve it, as loop as 1) you send the bottom mrion of !his sT v-, and your check in the coddled remittance erwebpe, and 2) your payment is received in one of . processing ren.eo, try 5,- heal time. Please alb. al kas! l7) business days.... mail derivay. Tcc n6 Jy tilt Changing Address? Address .............................. ........ .................................................... ........................................................................................... Home Phone ................. ?-- Alternate Phone .......................................................................................... E-mail Address ........ .................................. ...................................._.... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly. • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any addilional correspondence. • Last but not least, be sure to write your 16-digit account 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 Page 2 of 2 1-500-667-0904----------------_ . www.eapitalone.eorTVsmallbtisiness Sep. 16 - Oct 17, 2010 30 nays in Billing Cycle ' Visa Business Caryl iOCXX-XXXXXXXX-1893 Credit hrnit: S6,CaC..OC I Awadahle Credit: 'C.0C NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit omit. 52,5(lc oc i 55,062.03 $125.00 Nov 14, 2010 AvaitaNe Credit tot Cash: C.+7 Previous Balance Payments and Credits Fees and Interest Charged 5507311 ! - 5125.00 + -511392 + -- ------ - - - -- - -- - - ED ( BUSINESS TRANSACTIONS CONTINU - Yatir a,cnunt has gwe owr its ?edit limit To avoid additional overlimit fees, yua j should pay more than die %linimum Pawnenl ?lease pay enough to burg youlaccourd ! balance below your uedit limit immediately, and make sore rout account balance remains belo* your ?edil limit Please be sure the amount yrxi Pc account tot any 'aline purchases, fees, and financ e chaules. Transactions New Balance SO UO 0 55,062 03 - ----- ---- -- - -00008 what%in Ycur watW? it could happen to anyone. Make sure you pay the amount JOYCE M DRAPER due on your statement as soon as possible. ran - Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) ri,?lvr re:rrzetd. ir7 26X19 Capital on". Capital 0- i, a Jrd-gy re?irrred x?ricr ma,k. All Page 1 of 2 1-900-967-0904 OR.18-Nov. 17, 2070 3 Da inBdlm I. de WWW.Capitalone.COmrsmallbusiness '; ' --------- ----- ---------------------------------- MINIMUM PAYMENT WARNING: if yu uoke nr,y the nininnm payr-t east: perind, you wilt tray I-e in imwst and it 14111 *e you tongw b Pay oR you Wain, For rzavni ;.. VISA BUSin e55 Card )U(XXXXXX-XXXX 1893 payment Amoum Each Period If No Approlrtmate Time to Pay Off Estimated ` '. Additional charges Are Made Statement Balance Taal Cost NEW BALANCE ....?. I$ ----.- rrxnt - i -i3Years Mini P SSr217.61 _ . ,..... ay mnm It W? vnuld Eke infer r tk,n about ct,.it r.G:nsehf q servi:rs, tali 1-5&9-320-&D55. - LATE PAYMENT WARNING: B we do m# receive hewn r, ininum payment by yrxcr rice dale, ''. Credit Unit 55,CAIO (Y,) Cash Cretin limit: `,1,500.00 ?w' Y have to pay ?. 434 o0 1ate tee --f j Available Credit:,Gott Available Credit IN Cash: So cc Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ss ova u3 + stssss sR.oo - --- -------- --- - + ss,z1! e1 _ -- SO." (BUSINESS TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOYCE M DRAPER #1893 I J FEES 1 'S NOY PkA BUE t'? S39.00 7NGY 6YEE'Jtd;rTFEF140V 17, 2010 539.00 Total tre5 This Period S7a.I) Total Pees This Year 595.00 INTEREST CHARGED iNTtReST CHAn"G: PuR<W;SFS S?7.58 Total ri erest iH5 Period 577.53 Total :rderest?his Year 5808 15 Transactions continue on page 2 - --------- - ------ Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge -- Rate (APR) Interest Rate Nuclease 1790% D 55,10323 177, 53 Cash 249 so op 50.00 PLEASE RETURN PORTION HFLOW WITH PAYMENT OR LOCI ON TO WWW.CAPI TALONS CONVS MAL LRUSI NESS 10 MAKE YOUR PAYMFN I ON[ INE. 1 4802132379951893 17 5217610125000293000 Account Number: 4802-1323-7995-1893 Due Date New Balance Amount Enclosed ? Dec 14, 2010 55,217.61 .. , JOYCE M DRAPER M A D MIRALCES, INC DBA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 Ilntllrrlllprillllllllllllrlllulrlrl,llltlrlrlllltrrilln„Ii Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information 49 Manage your account in privacy 400006 Capital One Bank (USA), N-A P-O Box 71083 Charlotte, NC 26272-1083 Illllll,In„nltl?llrllllnt,rllnhr'llrlrlllrllrrllllllllrlNl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How n I avoid paying Interest Charues? Ed,h month you pay your "h'ew 8.1-L I" in -all, you rill have a minimum graze period of 25 days with w interest charge- all new 11 px,renases, 2) balance it, T-, 3) spaddl purchases and 4) other charges- If P. have been paying ynur account in full with no interest charges applied and yon do of pay your next bill in nett, paratee iraer,r ? n=?.)e, wig ht a„?,en mere is nn grace period art rata adwanrrs, yx-ial rramt-s, :, on any.ww,n.mdrT?nn awnen mere mart unpaid halanre from. pewrg: biN How Is Th, Interest Charge applied? Interest charges accent from the 1) date of the nd-artion, ') date he ni macdrrn is processed or 3) first calendar day of the hieing period. Interest charges acuue on resew unpaid amount until it is patkd in full. The means you may owe r ; narge• even it you pd, the entire ^N ew &tlance" one month, bu! did rot do so for the karvk.n month unpaid intr. rest charges am added to the p,.w, segment , - r Account I:awever, we reserve The nigh, to not assess interest rhargc-s at any time. Lb you assess a Minirrram Interest Charge? Yes. A minim,- INTEIffST 04sW?F of 50.50 swill be a>sessed or each hitting pencl our account is s.ibpecr To at interest charge. Huw did you Calculate the Interest C'herae? There a,, several cdi,LkIrcm, that are used to de!errrane your total interest charge 1- To yet your Daily Balance. F each segment, 11 NP rise begiming h i nce and add in new :,,mitciions and the periodic interest: hdrge on the preeions days balance 2) Sub, -.1 any payments and credits for that segnent as of Th., day. the result is The Tidily balance In, each segm-nt. However, if you paid yuur pevinus month', t Idn a full frrr it your halanre was ze,n u a credit amount new transac tinny wvhirh ix,t In use prchase o, sj-idI prr, haw? segments are not added to the daily balances Also, transactions that are subjer a grace period are not added to the daily balance:. 2. To find era ge Daily Balance t1) acid the daily balances together and 21 divide the sum by the m,mher of days in In, pining a yule =. Estimate ynur Tn;al Interest charge. . 1) mnhiply yon -age daih, balance try the daily periodic rate and 21 multiply the result by the number of days in [he billing period. NCJTE: Due to rounding or a minimum imeres: charge, this calculation may eery from the interest charge actually assessed. Hoav can my wadable Pnmaal Percentage Rate (APrg rhange? Your APR may increase Car decrease based on one Tit sm•en =standard ndkes reported in : he N:aR St,-t ;ue-i To find wvhich mile-. red for yran a Tit, look fur a rode- (P, t, C, S, D or F) on the front of this statement next to The APR(s)- Then check the table Wowv: Code next to your Annual Tserunt ge Rate (APR) index which your alert arebased on When your Annual Percentage Rate will change P Cuadorly Prime « margin pl-iously disclosed to you The first day of The L Cuadexly LIEOR - magin pwiwsly disclosed to you billing pexi--s that C :uaderly CA « marpi. pi-iously disclosed to you mind in January, April, 5 - Eankcsad Prime « margin previously disdosed Io you .:uly acrd October. 0 IAOnth1Y Frim margin pev,...iy dmd-d To you M The first day of carh F thly L ISCIR « margin puss wusly dis.-:Irnsed To y:x, -thl, bnkny G utry LIEOR+ margin pmv. -ly diedosect to you poriod. Are there Additional Fos asoc lated with my amount? Yes, under certain circumstances, you may be assessed d Late c, Retuned Payment Fee- You may also be charged overlim t ties if permitted by Ia:v We reserve the right to not assess tees without prior notice and without waiving our right To asses a similar fee later. R_ ran I Close Mir Mcntrd! Ynu may close your Car, ours[ by railing or writing our Cntomer Relerlons tkgarmenr. At tnd Time, caw will provide additional details including payment information . If you use yuur credit and or charges pins, to r -, yin, ask us n, close i, we.. can keep your ac -- open To avoid paying any apple. able membership fees, all to close your account prior to the end of the cycle in which it is scheduled to be billed. What happens If my Acrnunt Is Sn-gred+d? We may ;lose or suspend your a: roan: and your right to obtain credit at any time and for any reason, even V. you are not i, default. Ac rrwn: susp•m n toe per rn ternlwrary I' your acrrnur[ is closed or wspentled ! j uup using yogr rr?dat?;gym Cane aeeogn;, 2t cancel au agron,anr payment, 3) Cars: myaall credit cards and access cnecks, and a) pay all arno is, you moue us, even it They were charged after the account was rinsed or suspended. How do I Make Pavmerrts? Payments you r:sai !o us will be credited to your accuun, as o• :he husin ss day we receive R, as ion., as 1) you send the bottom r ian of this -tenten, and your check in the -losed reminance envelope, and 2) your pdyneen[ is received in one of a Iwocessfng centers by Sinn local time Please dlioty at Least (2) business days Ter mail delivery. u Mailed pay- •- received fry its at any other lore ?krn Casein any the, torn may no, he n,dired as of the ad, - receive them. Do you /4ocess Pat-, Checks as an Electronic F ands Transf,, f When you povide a check as payment, you aulls-ire and our agena either to use mfom,ation 1mm your chid: to nuke d e elertrorar fund u Trans-, er!mm you, deposi, -- or to process The payment ao a check nanwtcrion When - use infoi, pionfrun. yew.. hoe k to make an electronic turd noise.. rr, funds may be :vithdawvn fmm your del.. nit account as snort as The same day - receive yo nu payment and you,mll no'.er rive yuur heck back f,,,,. soma find nc ial itti-riuu . Your authorization is not krtited by the dare on The cne,k. vve may r-bruit and riot tru,ica.ls collect :he renamed payments. What H I file for Ranknvptcw? It •'-,on are entitled to bankmptcy protection this t icelian is for infwmalian only, it is nut an ntc_" to collect, asess or recover a drbt or r fair. Do not send us paymen, vi,hour speak,ng with your hart Wupcy a --, or the Barduupcy Count tt you or vow yey would like to contact our bdnlouptcy Lluino wll-, directly, please Contact Capital One?ED &ix 85t t? Richmond. VA 2 3'M55167 FULL ING FIGHTS SUMMARY (Does Not Apply m Smell Business Accounts) What To On It You think You Find A Mistake On your Statement. If you trunk rh- is an n your stdtemc." .vote to us a. capital On, P J. box 3L1285 salt Lake City, UT 84130 De 65 In your letter, give us the fallowing infnnnatirat. Account intormation. you. name and account number Pgka, amount. the drill., amount .1 The sustye'ed et- Description of emblem- , you Think there is an error on your hill, desrrit,e what you believe is wrong and why you beliwe it is a mi-l , within tic,'days .`.ter the ertn•apprarYl on yrw.r., ent. ntif, usrof ens potential a ia You may rail its or notify us de: Ironically. but 0 you do we are not required to im ligate a, r, potential error: and you may have :a pay ,he am.-T in question. Whilaw, ninvestigate whether nr not there has bet, an error, The f allm ing Car ,me We cannot try ,o collect :he amount in question o spur: you as delinquent on that aru?unt. The charge in quo . may remain on year star, ent, and we may rominu, to charge you interest on the; amount. But, it. we determine the' we made a mistake, you will riot have ;o pay the amount m question or any interest or other fees related To that amount White you do not have to pay the amount in que,.tion until we send you a notice alou: the :wtcorne of are invtztigatinn, yon are responsible for the remainder, of yuur Nolan: e. aye can apply any ur.paid a n-n; again=_tyour -dit limit. Your Rights H You AT. Dissatisfied With Your C_-dit Card Purchases. IT you are dhsalisfied with the good: or services that you have purrhased with your credit card, and you nave tried in good faith to curer: the problem with the merchant, you may have the right no! ,a Par :he remaining amount due on the purchase. To use this right, all of the following must be true.- 1 The p,Lhese most have been made in ynur home state or within 1 on .r,iles of your rurmn: mailing address. and the prrchese price roust haw. been more than S`50 (Note. Neither of These ce-sery if you, purchase was based on an ac sarti,emew we rayed to you, or if we um the company that sold you the goods or services 12 . You must have used your credit card Tor the purchase- Purchases made wdth rash advances from an And or with a check the-, accesses your credit card accouni do not geanfy. ; You ,n... r not yet have fully paid for the p,- hdse if all of The cdreria above are me: and you ate still di-tistied with the purchase, contact us in __ q at: Capital One P.O. Box 30285 Salt Lake City, UT M',. 0D0285 While we investigate, The same rules apply to the disputed amoun: as discussed abov,s. After wt frash our eitiga[ian, we will tell you our de, ision. A; that point, if we think you we do amount andycu do not pay we may repnr, you as delkmqu-I Capital One suPloris info msriarn Irivarv fxotec pion: s websire a; weevrapatak•nr tom Capital One is a federally registered service mark v Capital One Financial Cnrpnra:ion. All rights reserved 201 it Capital One iC L8 n"I'Vi, Changing Address? Address ..................................................................... Home Phone ................. Alternate Phone .._.._.............. ..__ E-mail Address ........ ........ ......... -.._.................................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly. • Don't staple or paper clip your check to the payment slip- Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account 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 Page 2 of 2 1-800-667-0904 www.capitalone.com/smalibusiness Oct. 18 - Nov. 17, 2010 31 Days in Billing ::yde j Visa Business Card XXXX-XXXX-XXXC-1893 ^edit IirniC Avaiable Credit: NEW BALANCE Cash'.-edit WniC $5,217.61 -? :,'`.. ,..,. ?:4, ... ,., Available CreHt iur Cash: Previous Balance Payments and Credits Fees and Interest Charged Transactions S 5,062.03 ';, - 50.00 I } S i 55.58 } S0.00 (BUSINESS TRANSACTIONS CONTINUED '(our account has gore o,*r its credit limit. To awed addili,ral overlimit fees, you should pay more than the ^hinimum i'ayrnera. ,Tease riay enough to bring your account balance below your uedit limit immediately- and make sore your account balance remains belo•n; your credit limit. Please tk sure the arnaunt you pay accounts tot any irrtute purchases, fees, and iinaoce ch'ar;ps, '(ou were assessed a past due fee bemuse yurr minimum payment was not received by the due Bete. fo asuid 11415 tee in the future, ae recwimend Brat you allow at least 7 hu-Mess days =m your rw,iman pgrneid to reach Capital Cne_ 55,000 OC QO0 S2,5Ci0 00 O (IC New Balance 55,21 Z6F --------- - ----- , Capita; ?_ what's in your wallet) Visa Business Card NEW BALANCE S5,334.00 1 Credit limit: 55,000.(7` i I Available Leda: 50.00 xbols MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE® Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2009 Capita! One. Capital One is a fderag? registered,ertire mark. A i righn resrmed. Page 1 of 2 1-800367-0904 WWW.capitalone.corn(smalibusiness Nov.18-Dec.17,2010 301)aysin Biling Cydej ?------------ -- -- - MINIMUM PAYMENT WARNING: It you rake mAy the minimum pymertt each pmw, 0, a "ill pay rap in int-1 and it will take you loo e: la y' g pay afF your balance. Tor examp+e: XXXX-XXXX-XXXX-1893 Payment Amount Each Period If No Appmpmate time to payoff Estimated ??•?••>?•t?s ga, ?C G°::a?T <r.;;1 111- Additional Charges Are Made Statement Balance Total Cost ?;a ;..?.. Minimum Payment 3'lrart }2,2 Fd It V. would like iffi)iMfinn abrnIl -it canseVy service, call l %M' 326-&755. LATE PAYMENT WARNING: It w do nol -.-e your mn-m paynenl by your cur d..4,, Cash Credit Limit: S.,S00.0(1 yot, may have m pay a 130 DO late Hc. Available Credit tDr Cash: S0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance -_ SS 2116) _ ! 50.00 t 111639 + I 50.00 = 55,334.00 BUSINESS TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOYCE M DRAPER #1893 FEES 1 14 DEC ?AST .)UE?EE rata) Eees Reis Period Total EeS This'Tear Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGED INTERS' •?iA G??JR• ^:+S?S rental Irdelesl This Peliod fatal ;rHrrest This +ear INTEREST CHARGE CALCULATION Your Annual Percentage Rata (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate 53900 539.00 513100 577.39 577 39 S?85 54 Huchases 1'.90%D S,260 US 57739 Cash 24V W col 50.00 Transactions contintte on page 2 PiEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITAI.ONE.CONySMAU_RUSI NESS TO MAKE YOUR PAYMENT ON[ INF. 1 4802132379951893 17 5334000125000462007 MW - Account Number: 4802-1323-7995-1893 Due Date New Balance Amount Endosed --- ----------- - Jan 14, 2011 $5,334.00 JOYCE M DRAPER M A-D MIRALCES, INC DBA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 IIIItl111hitII-111,1I..IIII..I11 1111 111,11'1111 IIII...11111i Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information Manage your account in privacy 400006 Capital One Bank (USA), EI A. P.O Bux 71083 Charlotte, NC 28272-11183 1111111-III.-IIIIl-II-1111111,-111111, -11.1,111dI--1111111l-11ll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope, iOYCE M DRAPER How can I avoid pay,ng Interest Char es? Each m nth Y u pey your "New Bala- in !al, you Mill have a oouimuti glace I,,iiod of 25 days with III interest charge on all It --w 1) purchases, 2) balance transtels, 3) special purchases and 4) other chaLy. f you hate been psyng tour ac coon: in tail with no utterer, charges aiopked and you do not pay your next bill in Tull. prorated inters[ charges a,dl he assessed There is -grace period cn cash advan; ,,trial ",and" or on any n[-tv e,--lion taus, [here is an -V id tulare. tram awe-riuu> hill tow is the Interest Chars. applied? Interest charges accrue from the i) date of the transartion, 2) date the transaction is pr,- sed or 3) firs: cal-da, tky of the tilling period. IntereI char gas arr.. r npdid a oral it is paid in lull. This ns you t : barges , »ie y:>n pay me entire it,,, 6.aan[e^ a . monm, but did ,It do _ for h e use, weiuus month. Unpaid int-c charges are added to [he praper segment o1 your Accouro. h'owwer, tvY resrn•e the right to not assess interest charges at any time. fb you asses a Minimum Interest C.haroe? s'es. A m"m,x INTETtEST aVWF of 50.50 will be arsesstd cur rya 1, Tilling w,x,d your -,-t it -,bj,ct to an interest charge- How did yarn Calcttate the Irder,tst Charoe? There are several cakuktions the, are used In de!e1mine your total interest charge 1. To get your Daily Balance: F each segment IL take the beginning balance and add in new:. and the periodic interest charge on the pony ,s day's hoian 2) Suhua-t any payments aed credits for that segment as of that day The result is the daily balance for each stgrTxrlt Hotvwer, if you paid your merinos math" balance in lull m, iT your tsalance tws zero or a.Tech: amount), rue ,. ns tvhi-h twst tc• w prclwse or stx'.ial wrchasc u g-ots a e no! added ro the daily W, auces. Also tan, rtions that are subjeCT . a grace period are not added to the daily balances. 2. To find .-[age Daily Balao - 11 ,,ld the daily Wt ores together and 2) divide the sum by Th= number of days in the baling eyrie '.. Estimate your Total Interest Change: 1) multiply your sage daily baler, a by the daily peri,dis ran and 2j multiply Th,, result by the number of days to the tilling Penod NOTE: Cue to mundirg or a minimum interest charge, IN, .al.,'la!ion may very amen the torrents, charge actually as ssed. How can my variable Annual Perrtntane Rate (APR) change? Vow APR may increase or decreri,c based on one n! seven standard indices reFxxrttd in The v,at Sacc. -l. To find tJri[It rode-xis red far your dreounr loaf: fa acodc- IP, I, C, S, V or F) on the front M this statement ne.ttto the AM,,. Then check the table below Code nest to your .... Percentage Race (APR) Index which your rates are based on When your Annual Pemehn, Rate wilt change P Quarterly Prime * magin pcviwsly disclosed to you The first day W pie L puwdwly LIBOR - magin I.-i-Ay disc lased to yce, billing perioda that C :edwly a) a -gin P.-inusly disdoscd to you and in Ja,uay, April, S Bankrad Prince t magin previously disdosW to you duly and October. D IAOnthly Pn7ne--,_.in;,,-i-sly di-A-sci to yes The first car d east. F Mvthly LIF10R 't margin prosi:i+a;ly dis.•;Insa! h, ycu monthly Irilkng G sn.ry LIB'S.. margin previously d-i ..l m you period. Are there Add l,Ta Fees associated with eery eircoum? Yes, antler certain circumstances, tssi may be as sod d Late oI Rettrmed Paynterlt Fee. Y nay also be charged .-Iii- tees 0 permined by law •Ne reserve the right to not assess "e. yvith,ut prior nouce and without tsuaing our right to assess a similar fee later. Hove ran I Ck"' My Arcntat f You may close your arr ount by railing or writing our Cntoms Relatians Deparnsent. At that tiro'-, the 'A w,tide additional details including payment irtfarnation. If you use tone credit card ar cM1arges Ftosi 1, your accnrnt.r.':er you ask us to close it, see can keep y- ac.awtT open To avoid paying any apnlirable membership fees, all to close your account pro, to the end of the cycle in which it is scheduled to be billed. What happetas It my A,-urrt Is Susrsendedl vve may cbse or suspend your acroun: and your right to obtain credit at any time and fora any reason, even if you are not in detatAT. A,'ount suspension can be tQm,ancn: or rernlwrary IT ya,r account is closed or suspended s! '. I stop using your credit card and account, 2) cancel all a,mmrTic Wyretenes, 3t d,st,or AT credit cards and a::cess checks, and 4) pay all amounts you otve us, eyed t they were charged after the acrnunt was closed or suspended . How du! Make Payments? Payments you mail!, us will be ...Aired To your account as of the busin ss day the receive it, as long as 1) you end The bottom portion of this statement and your check in the rndo>ed remittance eneelope, and 2j your payment is received in one of uur 1--mg centers by 5tsm )oral lime. Please allow .1 1- (7) business days '.or mail deliyery. Mailed Payments reeeived b' at a[ any o:hta Incal- or in any other farm root nee be credi,ed as of the day >w recur, them. D. you Process Paper Checks as an LLectmMc Funds T-Wert When you provide a check es payment, you authorize s and our agents eittrer 1, use intarmation from your check in make a ane-u me Wectronic Lund transfer fmm your deposit account at to process the payment as a check, tr n. W'Mn t iofrn r , on fmm yaos hod to »,ake an c-le[[ronic f urd transferafood, nay he t thdra- fr- m yaw dq.,i: account as won ds the same day ew ve your payment and you tvik not neon,. your check back from your fmarrial in tituh,n vane authohzatiou is not limited by the dale on the check. lN= may rci„brnit and elec u-n-0, collect the ml-sed paWasnn. What It! file for aankruplryt if ye,rare entitled m bankruptry protection, this ' nration is to inlorntation -.1,, it is oat an ,T:Tmpt to collect, assess o, re--r a debt rctaim_ Do not send us paymen is tvithart speaking with your ban krup:cy attorney or the Banktupcy Court. 11 you or your attorney twuld like !u contact our bankruptcy claims service) directiy, please [nntart.'apurtl One Po Box 85:6' Ri1hmond,`:!.23)445167 BILLING WGHTS SUMMARY (Cues Not Apply !a 5rte11 business A--.1,1 What To W It You Think Yu, Find A Mistake Jn Yow Statement. If you think :here i': an m on )mar staleri write to u, at Capital one P.O. Flox :0285 Sal! Lake City, UT 84130-0:'8ti In your letter, gate us the fvlow%g in* nr,a•i,n Account intormation. Your n... and account nuruber. Dolielamount .Ihe A,lar anwunt of The wspectrd carne. Description of Problem' If you think there is an erne on your hill, descrihe M., you b.liet•e is oaq and tih, you belere it is a r,huik, You r -nntart us within uio days after the ir- apmar,rl an you statermstt. notify us of any p>tential smrs in tvritin.a. You may ,It .n or eaMy us de. trnnicdllr. butch yarn do tw are not required to investigate are, potential enor: and you may have to Pay the amount in pe,rion. Whilewe irwestigate whether or not there has been an error, the milavi g are In- We cannot try To collect the amount in question, ` non repot: too as delinquent on that anwunt The charge in quest may remain on your s ate, e and w•e may contim,e to charge you interest In that amount. But, t ere determine that are made a mistake, you roll net hate to pay the amain: in question car any interest or other fees related to that cam,While you do not have to pay the amount in question until we send you a entice ahoiut the outcome of nw invesdgatian, your are r.slwnstsle Tar the r.rruindo of your halv,- We can app1Y any unpaid anrauut against your credit limit. Your Rights If You Are Dissatisfied With Your credit Card Purchases. h you a,, dissatisfied with the goods or sewic.=s that you have prrchxse t wain your credit card, and you have nied'u, good faith to correct the problem with the merchant, you may have the light not to par the remaining amount due nn The prchase. To use this right, al of the 1.11-ing must be true: ! The purchase must have been made in your home state or within loonies of y,,,, u,t,,t mailing address, and the purchase price must have been more than SSO (Note Neither of these it you, purchase tvas based on an ackei tisemem yon ..tailed to you, or if eve otmi the cnmpsary any That sold you :he goads or...tit,,); . eon mast bare used your uedit card for the purchase. Purchases made tvith rash arh.ances 'min an ATNt or with a check that a:cr-ss=s your credit lard account do no: qualify. ; You...... r not yet haw fully paid far the poi chase If all of the criteria above are met antl you are still dis,atis'Fed with the purchase, contact us i. ritirogat: Capital One P.J. B.. 30:85 Salt Lake city, !JT M"? (12851 V:hd- trE- investigare, he same We, apply to the di,puted amount as discussed above. After "'e f""' or irwestigatian, we tail tell you our decision. At that point, if we think you otve an --t and you do not pay the may report you as delinquent. Capi[el One wpFprt> inbrrr,ation Ixh•d.y moocti,r-: s vebsite a: m.rty rapitalanv cart Capital one is a federally registered service mark of apical One Financial Corprmi-,. All rights ..served 7010 t"a' l oe IL-08 O'voiiln Changing Address? Address ........................................................................................... .......... - ............................................................................... Home Phone ........................ .......................................... -_ Alternate Phone._ .......................... ............................ ................................ E-mail 0 Address ......... _........_.__._ .................._............................... ....... 6 Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly. • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account 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 Gaye, Page 2 of 2 1-800-867-0904 -_--- ---- www.capitalone.conVsmallbtisiness Nov. 18 - Dec 17, 2010 -------- ---- --- 30 Days in Billing cy ie I Visa Business Card )DIM-XXXX-XXXX-1893 -'edit limit: S5Imc o0 ! Availahle(iedin, SIC !1O NEW BALANCE .i ; , a;Y '•:i 'e .. l QII ;' ,. Cash i Att limit: S1'500 M $5.334.00 :1.....• ...... - AvailaNe Credit for Cash: SC7)C, Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 55,217.61 } ( 511639 } - - --- ----- - ---------- SO.UII = 55,334.00 - - ----- - ---------- (BUSINESS TRANSACTIONS CONTINUED - - -------- ---- -- 'dour account has gone nee' its nedit limit. To avoid additional overlimit tees, you should pay mole than the !:4ininnarn Payment. Tease pay enough to bring ymi accmmt halame below pout aedit limit immediately, and rake sme your acmunt balance remains below your « edit limit lease Ise sme the amount you pay accounts tot any flltme Pat Chases, feet, and tiIofice charges. -(ou were assessed a past due fee t>ecau>e yom minimum payment was not received by '. the due date. To avoid ttws tee in the Ville, ." recommenrl that you allrrn at least 7 W.-lines, days for yow minimum payrnenl 10 re-ch Capital Qte. Caplit- what's in your wallet? MAKE A PAYMENT. AND TAKE CONTROL 50W1n OF YOUR CREDIT WITH CAPITAL ONE!" Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 0 2009 Grpxnzl One. Capital One, is a fderrlly registered serrire mark. All rights resen ed. Page 1 of 2 1-800467-0904 www.Eapitalo Ue.Eornlsmalibusiness i , Dec 18 - Jars. 17, 2011 31 Days in BiAing CpdJ MINIMUM PAYMENT WARNING: If yw rake only the r vimmr payment eadr period, You j rill pay ri m interest and 4 vAll tale y- longe+ to pay 4t your bala¢e- For example: Visa Business Card XXXX-XXXX-XXXX-1893 Payment Amoum Each Period If No Appronmate Time to Pay Off Estimated, NEW BALANCE .,.»w ..: •• ,.1' ••:i\;' ;W-,, AT.. Additional Charges Are Made Statement Balance Total Cast $5,468.67 ........... ......s. ..,.,.. M19irim+4n Pawrrcnt _______r___`37earz }i?,583 l If ynu -uld 4ke infar stion dhotis ui ^'it cwi5eh,ig ser icm, [all 1 5M 326-WL, 5. . LATE PAYMENT WARNING: If we do nut reo-roe A>ta r;wi-m payment b• you u.e ?An Credit dinit: S5.(OO 00 Cash Credit Limit: Si,;CO.OC •ya, may Lave m pay a S39.oo late tee. Available Credit: SO 011, Available Credit for Cash: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance -? --? '. i S5,334.00 - S25.00 S i 59.67 i - ; + SOX 55,468.67 BUSINESS TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOYCE M DRAPER #1893 1 '0 JAN CAPITAL ONE ONLiNE Pt^f'AudiDate 1 C iAN 625.001 FEES 1 t4JAN PAADUEr?E S39.00 2 1.7JAN CV:B'J?".IT FEE JAN'?, 201 5319.00 Trial Fees This Period 57300 Total F ES This Yeal 57300 INTEREST CHARGED iNT?R S7 01ANGr P-;R(wkSES S31 67 lntal Interest This Period 531 67 Total Iwerest This Year S81 67 Transactions Continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specia ly trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your acmud. Type of Balance Annual Percentage Balance Subject to Interest Charge -- Rate (APR) -- -- Interest Rate - - Hudrase 17 .90% D I `5,372.01 I -53'.67 Cash 24 90% J SO 00 SO.Oi1 PLEASE RETURN PORTION Ri WITH PAYMENT OR LOG ON TO WWW.CAPI TALONECOtvySMALI_HUSI NESS 10 MAKE YOUR PAYMENT ONLINE. 1 4802132379951893 17 5468670025000612005 Account Number: 4802-1323-7995-1893 Due Date New Balance _.,_. , Amount Enclosed Feb 14, 2011 $5 ,468.67 J JOYCE M DRAPER M A D MIRALCES, INC DBA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 Ir?Ir,IIIIII,?II„LI..L,IIir,I„IIIIIIII,lhllrll,rrllrtllll,t Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information AQ Manage your account in privacy 400006 Capital One Bank (USA), M.A P O Box 71083 Charlotte, NC 28272-1083 IIIIIIfrlll„IIIII -II hllll1-1111 11^Ilrlrlllrllrr11111111 rlnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JOYCE M DRAPER liow ran I avoid paying Inte-t Charges? earn month yuu pay you, New BaLance" in !nn, you s,ill has m Spat• period of 25 days with no inteir-`It Charge wt all nosy 1) purchases, _)balanxe vanren, 31 special purchase, and -)other charges. l` you have beer, paying your at count in fun with no imem'.. changes .pptied and you do not pay your next bill full. Prorated interest rh. ,ga, roll be assessed There is ran grace period on cash advances, y,e,ol transfers, o on any new transat[io.,A,-Th,, is an unpaid bala.w a from a previous M i7ow is the Interest charge a pplied7 Interest charges accrue from the i) date of the n, 2) date the tra.... Hot, is processed or 3j first calendar day of the billing period. Inlem, rhage ac.w or. er .repaid amount until it is prid in hat. This m you rosy .- interest charges a it you par the entim'%ew IsM-r" one month, but did not do so for the f-iou, rT-h. Unpaid inmrer <hargrs are added ;o The proper segment o1 your Acco..nt. However, we resen•e he High, to net assess interest charges at any time. Do you assess a Minlrrutn Interest Charge! Yes A mini- INTFRFST CH:JGE of so 50 will be assessed for each bding pruOd your acl-z is subject to a' ime-1 charge. How did yuu Calculate the Inter t charge? [here are several ralcula:ions that ore used to determine your tool interest charge. 1. TO yet your Daily Balance: F. each segment, 11 Take the beg n ing bah ice anti add in new ramac:suns and be periodic interest charge on :he r-6-day's naknce. 2j S.dvtract any payments and credits for that segment as of Mat day The msat is the daily balance for each segment Howrrr+, if yuu paid your Previous month's halance in full (or if your halo.. was zero or a -dit amount), new transactions which post to ,our purchase o, slx• W purchase segn,enK ae not added to the daily balances Also, transactions that ere subject To a grace period are not added to the daily balances. 2. To find r grails Daily Balance. 11 add the daily balances together and 2' divide ;he wan by the numb,, of days in the billinq c ycle '.. Eui...:e your Total Interest Charge: 1),nu tiplY your wage daily balance by the daily periodic rate and 2f rnof,p{y the result by the nonbrr, o! days in the haling perod. KCITE Due to -modmg or a minimum interest charge, this calculation may nary Iron, the inte,tst charge actually assessed- Ffow can my variable Annual Percentage Too, (Pert) change? Your APR may increase or rlec`e,e haled on one of -n .andard inli- mcri in The 11 aY Smee: Jvrmaf To find whirl index is uu-d for you, rlunT, lookf:, a rode (P, L. C. S. U or F) on the front of this sta[mr-nt nex[ to the APR(s). Then cheek the table Wow, Code next to your Annual Percentage Rata (APR) index which your rates are boxed on When your Annual Percertage Rate wig change P Q-terly Prime' cane gin pc1•iwsly disclosed to you The first day or Bye L Cuaderly LIBOR - margin I-iousiy -TH-l led to You billing periods B.ri C Quaderly M+ margin Previously disdosad to you and in January, April. 5 t?ankc-ad Prime+ margin P-i-Ay discl osed to you July and October. D Moethly P4 in p ei-sly dis l-d to yo, r? The first day d Hach F Mthly LIBOR + n iargirp-imAy d-insect to ycu ,mdtly N"8 'g li LI&C-Vi + margin peviuusly dkdosa-'tu you poood. Are thxe AtlMtional fees ascoclated Hth my account? Yes, ,antler certain eirrumstarres, may be assessed a lam or Returned Payment Z, You may oho be charged O-limit tees it Permitted try lass 'Ne reserve the right to not greys gee= without prior novice and without nsiving our right to assess a swmlar fee later. How can I Close My Account a Ynu may close your account try calling or writing our Customer Relations DWarrnent. At that -time, sve will Provide additional details including payment irrt:xrnation. If gnu use yore credit raid err charges Post rn your accou nT after you ask us rn ,In,? it. _an keep your a, count open To avoid Paying any appiraMe ran t-hipt-, .It to close your ac cunt prior to the end of the cycle in which if is scheduled to be billed. What happens if Hwy-guru Is Sue..n,tedy We may .lose or suspend yota account and your nigh! TO of ,in credit at any Time and for amy reason, even if you are no! in tlelault. Aruun; sus- im, con use pennaneor or t,,,a,y It your account is closed or suspended must tj stop using your credit card and account, 2) cancel it automa!ir payments, 3) dest,oy all credit cards and access rhecks, and 4) pay an einotmts you ove, us, even "r. they were rharged a^er the amount was closed or suspended . How do I (Hake Pa troerrts? Payments you Hai to m asill he credited to ;you, account as of the txnin ss day w e it, as long a 1) you send the bottom portion of This statement and your check in the a ,closed -m-me -Mops, and 2) your payment is received in cane of our processing centers by 5prn local time. Please allow a least (7) business days for mail delivery. Mailed pagan wed by is at other lorarinn or in am other f...... ay not he credited as of the day w•srereiae be,,, Do yuu Pyucess Paper Checks as an Llectrurar Funds Trxisfrv7 When yuu provide a check as payment, you authorize us -no our agents eider to use information fmm your check. To make a e electronic lurid transfer from your depos•t account or to process the paymeint as a check Tr n. when cw use information from y- check to make an electronic fund n-sfer,funds may he withdrew, from your deposit account as won as the same day w we your payment and you call not ,eceive your heck back from your f1,,o ial in tituti-, Your authorization n not NT- ired IS, the date on M=check. Lay, may rnub To, and slot tron,c ally coned the ralu ned payr---nts. What If I file for Bankruptcy? If you are emitied ro bankmptry pm.Tecrion, ;his nation is for into only, it ,at n a attcmp to collet[, -ss or r--1 a deht r cla mf rpo not send us payments withour speaking with your banloup;cy ---y ca the Bankruptcy Court. If, you or your attorney would like to contact our bankruptcy claims -6,i :lirer:ly, Please cnnta-t Ce Pital One PO6ox 8516' Richmond. VA2328S5167 LULLING RIGHTS SUMMAAY (Goes Not Apply !o Sr all Business Acnunh) What Tu Do N You Think Ynu Fintl A Mistake On Your Stategor,t. If yuu Mink there is an nn your statement, ,grits to ns at Capital one P.J. Box 302 Bri Salt Lake City, UT 54130 02 85 In your Iertea, give us the following intnnuariun: Acreun[ intormatior. You, nacre and a: coon; nuriber. Lollar amount. the doha, amount of the- wspecD?d c, roe. (#scrintion of Istoblem Y you think there is an error on your hill, deudb, ,want you belirae is and why you believe it is a mistake y statement • -.-tart us within 6L• days a ter the error appeared on ou Y? must noTdy us of any potential errors in ,vriting. You may ,It us or notify us elee Trnni tally. GuI'rf you tlo we are not requirM to inve>tigate any potential errors and qw may have to pay the amount in question. While we i-tigate whether or no, there has bean an error, the following are !me- We cannot Try to collect the amount in clor,tion, et rcpart y as delinquent or that -r-a The charge in question may remain on your statement, and we may .ontioue to charge you interest on that ar,ount. But r we determine that we made a "stake yo -11 no, h rve to pay Me amount in question or any interest or other fees rel ated to that amount. While you do not have to pay the amount in ques tion until we send you notice about the outcome of ow im•estigation, you are ms{wnabie'orrhe remainder of y cn halo.; We can apply any unpaid arn-t against your credit limit. You, Rights If You Are Dissatisfied With Your Credit Card Purchases. IT you are dissatisfied with the goods or services that you have purrhased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to Pay the minaining amount due on the prchase . To use tbs right, all of the following must be toe !. The prchase rot have been made in your home state or Mink, lot' ndles of our . ....em mating address, and the prchase price roust have beg' more than SR, (Note. Neither of these ecessary r your phase svgs based on an advertisement we mailed to you r if we noun the company that sold yuu the gonds or services ) 2. You our have used your credit card for ,he purcbase. Pta b-, made w t .in advances from an ATNI or with a check that a:.eves your credit card account do not rlu.lify. 3 ?cu .err not yet have fully paid for The pu,chTse if all of the criteria above are met and you are still ydi,. satisfied with the purchase. contact us .'m-1. io. Capital One P o Box 30285 Sat Take Lity. UT 843D0285 While we investigate, the same rules apply [e the disputed amount as discussed above. After wefinbh our mvestigadon, sve call ten you out decision. At that pint, it sve think you owe an amount and you do rot pay we may report you as ddincl-l. Capital Due suPFurs inf-maliwx rai-v pro ,ecru. s -trine at wsvv .apit,i.nP rum Capital One is a federally registered service mark of Capital ' One ve Financial Co,p alic, All rights re.ewc-tl 2010 tajxr.l One TC-0R oy?t i m Changing Address? Address..._ ...................................................................................... ........................................................................................... Home Phone ........ .. ....... _._._ Alternate Phone ........................................................................................... E-mail Address ........__ ............... _ _..._................. ................................... Please i t dd h b h b i bl bl k i pr n ress or p one num er c a anges a ove us ng ue or ac nk. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly. • Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. Last but not least, be sure to write your 16-digit account 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.capilalone.com ---- -- Page 2 of 2 1-800-867-0904 -- --Y www.capitalone.com/smalibusiness Dec 1S - Jan. 17, 2011 , Billing 31 Days in 9 C rd ---- --- -- - J -- - - Credit limit: 55,000-oc Visa Business Card ))(M-)=X-XXXX-1893 Amiable rt edit: SC M, NEW BALANCE .. ;N. .VNII! , ,.)'Z•`CINT ,Vii (ash t-redn limit: S2,59Q06 $5,468.67 `2S`. ,..,. 'i.s.- ... AvailaNe Gedit tur Castr: SQCO Previous Balance Payments and Credits Fees and Interest Charged 55,334 DD - 525.00 + S 159.6i {- f BUSINESS TRANSACTIONS CONTINUED '/our accuunt has gone nret its ? -dit limit. To avoid additional overhinit fees, yap should pay muie than the t:liremum Payanent lease pay enough to brim your acmunt balance below your crerfit litnil uninediatelp, and make vne your account balance remains belon- your credit limit please be sure the arnrnmt you pay accounts lot any loture purchases, lees, and tirrarr:r :hat qec. +nu h•-Ifp assessed a past due fee because your minimum payment was not received by the due dale. to a•.r,.id this lee in the iulute, .ae recommend that you allow a, least 7 1N1=.lnes5 days if 1 your minimurn yuymenl to reach Capital Que. Transactions New Balance SD DO - S5,468.6/ --- --- - ------ --- ---- ---- - --- i - -- - ---------- TAKE CONTROL OF YOUR CAPITAL ONE" what's in your wallet? ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help, You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. 5OX11 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600- -) 2009 Capital Onr. Capital Onr is a f dally regii't-d -,irr mm k. All riV n v-,_-d. Page 1 of 2 1-800367-0904 _---- W W W.capitalone-corrVsmallbu5iness Jan. 18 - Feb 17, 2011 31 Days in Riling Cyde i MINIMUM PAYMENT WARNING: If ±ou make ra ly the rmoiewm paymert ea& perirr_', y,w •• will pay nae it irte-t and it vell rake yoi, longer hi pry off You balance For rxamph^: Visa Business Card XX)OC-XXXX-X%XX-1893 Paymom Amount Each Period If No Approumate Time to Pay Off Estimated NEW BALANCE Additional Charges Are Made Statement Balance Total Cost j S5,630.50 .;? - ... .. ,.. .. ... _ ?.. - --- - -- ------- - 61irimomPayrrxnt --?- -23 Years -?-- 117 )'- -' If you mold like rfaw rsatioo about ardit cu:rseliny services, call 1-588-320-&)55. '. LATE PAYMENT WARNING: It svv do nol receive your mmrnum pa.Vmenl by youl die die, Credit Broil; 15,000.00 Cash Credit Urnit: S2,5OO.C0 >`u` Y have to pay a 534.001ate fey. Available Credit: SC.00 ArailaNe Cret4t fur Cash: So.00 ------ --- - - - ----- ----------------------- Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - - ------- - --- - ----- -- ? - -- '', S5A.67'', - 5'61.83 50.00--------- ! 50.00 - .} ---------- S5,630,50 I I BUSINESS TRANSACTIONS J PAYMENTS, CREDITS & ADJUSTMENTS FOR JOYCE M DRAPER #1893 Help is Available. Just pick up the phone. FEES 1 14 DEB ' AS i:•?r. FEL S39.OO FFR QV_RIhrJT.1, 1, 17 .201,1 539.00 17 Total -ees Ttas Period 578.00 Total Fees This Year 5156.00 INTEREST CHARGED IN1FRCA fJ+H3Cr ?liRC^7+ti S 583.83 -otal Interest This lFiiod 583.83 Total :merest'his Year 5165.50 Tran"c-dons mrllrrllle on page 2 Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Arulual Percentage Rate. (APR) is the annual imetesY rate on your accovlt. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Ruclr2se5 ( 1790%D r5,514.13 S83.83 Cash 24 90% 3 SO.OO 50.00 PI EASE RETLI RN PORTION BELOW WITH PAYMENT OR LOG ON 10 WWW.CAPI TALONE.CONVSMALLBiISI NESS TO MAKE YOUR PAYMENT ONLINE 1 4802132379951893 17 5630500025000791000 Account Number: 4802-1323-7995-1893 Due Date New Balance P yzz -= Amount Enclosed Mar 14, 2011 1 $5,630.50 ? Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information Manage your account in privacy 400006 JOYCE It DRAPER nA -D %IRALCES, INC DBA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 Ihirllu'Illl"nrlhrullylrrllll'llgllflhlllllhl^Ilr,rl Capital One Bank (USA), N.A P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIIIrill"III11,11'It IIII ,IhIII,-11,1-III-II^I IIIIIII'InI Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the encloses envelope. OYCE M DRAPER li,vr anI avoidpaying ImerrstChances?Ed, hnson!h you pay your'Ne-Balance''v fuN, you will hew m grace v-iod of 25 days with nu interest charge on alluee, 1) purchases, 2) baler ce transtms, 3) special purchases nod 4) other chelges. If you have been paying your .. coon: in full with no inures: charges applied arid you do not pay your neat bill in full, prorated interest merges will he assessed To.. is no grace period an cash ddva-,,. special rransf c-rs, or on any new rransac Gon . heo there is an unpaid balan, a from a -ei-, hill How Is the Interest Chance applied? Interest charges arc,ve fmm the 1) date of the transaction, 2) sate the transaction is processed or 31 first, calendar day of the billing period. Interest cha,ge, accrue o' !•r erY unpaid annum: until it is paid in full. This means you may owe t charges evr-n t you Pay the entire -'Nesw BA,,-" one month, hot did not do so fog the prey ous mw,th. -,u mid interest charges are addd to Me p,oW, segment of your Account. Hose we reserve the right to rot assess interest charges et any time. rb you -% a Ngnlnutn Interest Charge? Yes. A minimum INTEREST CkIAR(3E of 50.50 will the assessed for cam hitling pound your account is subject tot , .,rest charge. I+SSSr did you Ukrdate the Merest Charge? Ihe,, are several akole:ions that are used to determine your total interest charge. 1. To get your Daily Balance. For each segment, 11 take the beginning bslane and add in new transactions and the periodic interest, barge on the precious dey's balance 2 j Srtxrarl any pd,mem, and credits for that seWsen? as of the! day the ,,AT is the daily b.I.- for each ugmen, Hrurvar, if you paid yum previous ,nnh's halance in full for it your Md.- was zero or a credit amcuml, new transac tons aMi•e4i past to your purchase ce special p,u, hose cegrnenis are not add,l to the daily balances Also, namenixn that are subject to a grace period are not added to The daily balances. 2. To find u -rage Daily Balance. 1) add the daily bolames together and 2) divide the sum by the number of days in the billing c yule =.. Fsrknate your Total Interest Charge. 1) multiply your rage daily balance by the daily periodic ra• and 2j multiply the result by the number o1 days in the billing period. NOTE. Due to mu-ding or a minimum interest charge, tors cah.,Wion may vary from the interest charge actually assessed. How can my variable Annual Percentage Rate (APfb change? Your APR may increase nos de, ea,, based on one of se en standard indices ,p.Pd in -he NH)t Street ;am a( To find wN to imi- is -A for you, sd-,unr. Io:akfrsr a catlc-IP, b, C, S, V_ F) on the front of 'his statement neat w the AfYt(sj. T hen check the table belouw: Code next to your Annual Perrersi Rate [APR) Index which your rates are based rm When your Annual Percentage Rate will change P Ouatorly Prime + margin previously disckasfed to you Thu first day of Ise L Ouadwly LIBOR - To-, previously disclosed to you billing periods that C 'euad.ry Cl-) --ph, previously diselosvd to you mid in j...., April, 5 e ankc'aud Prime+ margin prosiously di-dosed to you July and October. D ?Amthy FIimo + margin pravinusly Cirdo,eci to you : The first day of oa-h Is IA-f y L E3OP. + margin pr-i-ly d-le,,ed to ym, oothly billinc G m:ry I F?OR+ margin previously disclusecl to you pariud. Are there Additlonai Fees .-Wed with my account? Yes, under certain rrrumstances, may be as sea a La! or Returned Payment Fee you may also be charged uvedirnit f:. s it you permitted by lase 'he reserve the right To or assns fee. without prior notice and without waiving our right I. assess a aGolar fee later "m can I Cl- My AccountI You may close your acrwmf by coking . varking our U.- mar Relations DMafr ri At That Time, we will provide additional details Including payment rna Tion. If you use v- c, relit card or charges Fnst to r our after you ask us if, f_ it, we can keep your account open To avoid paying any applicable menhership fees, all to close Your account poor It, the end of The cycle in which it is scheduled to be titled. What happens if my Ac, ,,, Is Sumenledif We may dose or suspend your accoun: and your right to obtain credit at any time and for an,, reason, event you are not in cle-1,. Account ud pens nn can he F rna ter,: or I,mpn a,y V y_ our account is c losd or suspended you 1) stop using your, alit card and ac count, 2) cancer all automatic payments, 3) Msnor[dll credit cards and acres checks, and 4) pay all an-arts you arse us, even t They were ,hanged after the a-mt was closed or suspended- How do I Make Paymcrvi Payments you mail !o ru avill be credited to your account as of The business day eve receive i[, as long aY t J You send the bottom practice of this sitterr,en, and your check in the enclosed -e nonce emuelope, and 2) your paynrent is receivd in one of our processing centers by 5prn!oral time. Please aIT- at least (7) business dar or mail delivery. Mailed payments received by us at goy That I-enon or in any other tons, may our he: vedired as of the day •rR receive there. D. you Process Pal.r Checks as an LIectrprtic Funds Trarsfert When you provided meek as payment, you authorize us and our agents either I, use information from your check to rook, a me ele, Iron, fund transfer firm your dep-, account or to process the payment is a check transaction. When wo use inf.-ration fu uu you, check to make an elecoonk. fi,u 1 [mnsfc-r, funds mey he withdrawn fmm your der-it account as soon as the same dey s ewe your payment and you roll not receiveu,.::heck back horn your financial iu;!-T,- Your au[horiyation n not luniled by the date on the check. We may resubmit and eIcr oomcally collect the retuned payments. What It 1 file for Bankrupt,,? If you are entitled to bankruptcy protection, ation is for infom only, it nor are a::arnpt tv collect, assess or recover a :tent or slain,cDo not sod us paynxn[s awithout'peaking MITI your bankruptcy -crop,, or the Bankrupecy Court. t you or Toe attorney would kite to contact our banknlPILY tierces seivi:.sr directly, near, coma, u arsital One PO box 85161 Richmond. `%A 23285-5167 MLLING RIGHTS SUMMA/rY ICves No! AppTT !o 5-11 Business A,c tors) What To Do It You I Took You Find A fvlistake On Your Sf aterownt If you think their- i, nu on your Sleleii awrne IJ us at apical One' P.J. M. 3111 Salt Lake City, of 54'.30 was In your leer, give us the following information'. Account xrtormation. vour n.. and account number. Dollar amount The dollar amouM of the susi-t, d tenor. Description of emblem IT you think there is an error on your hill, describe awh,I you bekeve k a Mend uvhy you believe it is a rnhtak, usr -'fart us within tic' days after the ever appaarYl on you stalernmt otty us of any pu:en:ial m acs swsi;ing. Van may ,all ns ur potty us electronically. but it you do awe are not required to ivestigate any potential enon and you may ha,,,- to r„y the amount in question. While we investigate a,hatto, n not there he, bw-n an ermn, the following are m,e' We cannot try to collet: the amuunt in question, w repot: you as delinquent on the - . unt The charge in Rue n your statement, and we may continue to charge you interest on that amount. But, t we determine that we made a mistake, you will not hove to pay the amour: in question or any interest or other fens related ro That amount. vWhite you do not have !o pay the amount in question until we send you a notic e about The r of our ine-ko Lion, you are mstwmible-oe the remainder of your holancn . We can apply any unpaid amuunt again: your credit limit. Your Rights H You Are Dissatisfied With Your Criadit Card purchases. If you are dissetis!ied with the good: or service that you have purchaser! with your credit card, and you has•e tried in good faith to remaiec' the problem with the merchant, you may have :he tight not to fray the rung amount this on the p irclosw To use des right, all of the following must be true 1. The p-,hese must have been made in your horn, state or within 100 mile, of your....rent nwikng address, and the porch- price ous: have been .ire In- ESn. (Note: Neither nt tht-,e necessary if your purchase awes based on an arNrtisement we mailed to you, or if we peeve the company that sold you the goods or services.) J. You must have used your credit card for the purchase. Purchases glade with rash .*e-es +mm an ATM or with a rheck chat --,ss your credit card dccinr do - cpualify. 3 Y rust not yet have fudr paid for the du.,haee. if all of the criteria above are met and you are still d'esdtis*d with the purchase, contact us _ti-g ar Capital One P.U. goo 302285 Salt Lake City, HT 84', 30-N flti While we investigate, the same rules apply to the disputed amount as discussed abort. After eve finish war ioveviye:inn, we will tell you or decision. At that point, if we think you owe an • , and you tlo not par we may repot you as delinquent. Capital One supports information pria•ary r,rv ection s .,bile at rsarv capiz.6 nom Capital CAo, is a federally registered service mark of Capital 0ue Financial Cogsuration. All rights re-erved 2010 apifal One 1C-0B 0_ti)71f10 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ...................... --- Alternate Phone ........ ................ -.............. ........... .............. ......................... E-mail ` Address._...__........._........................... ..._............_........._.......... Plea i t dd h b h b i bl bl k k se pr n a ress or p one num er c anges a ove us ng ue or ac in . Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments srnoothly: • Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account 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 Page 2 of 2 1-800467-0909 www.ca;italone.co m/smalibusi ness Asa Business Card XXXX XXXX XXXX 1893 NEW BALANCE ..,...e : , AY, cal- ............ $5,630.50 ?' ;...., tG, ...... Previous Balance Payments and Credits Fees and Interest Charged } 5161.83 ?S 468.67 SD.00 + I BUSINESS TRANSACTIONS CONTINUED Your acuwit has gone n,,er its nedit limit. To avoid additional ovedimit fees, you should pay mote than the Mioinwm Fayment. ?lease pay enough to bring your accoui Wance below ynut uedit limit immediately, and make sure you account balance iemains below your uedit limit %ea5e tx sme the amount Von pay azrnunts lot any +utu'e puidtases, fees, andinan:e cba?gec. You mere assessed a past due fee twP ause purr mininum payment was riot reteived by the due date, io avoid this `ee it the fuluie, a•e tecrmomend that you allow ai least 7 tu;iness days foi out minimum payment to reach capital one. Jan. 18 - Feb. 17, 2011 31 trays in Billing Cycie C redit Iimit: 55.00600 1 Avaikihle Credit: SO.o0 ; Cash( redit Isnit: 52,500.00 Avallatie (!edit tot (-ait,: 50.±)C"; Transactions New Balance Salto _?, ss,QO 5a ? ' 500012 gy' what's in your wallet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. (,`-) 20091 aj,rtal n,<r. Caprwl Onr it e frd wally r,ght ll ,e.:,6r. mirk. A!! right, --d. Pnge t of 2 1-800-867-0904 - -- -- - --- - - - - www.capitalone.corrVsmalibusiness Feb. 18 - Mar. 17, 2011 28 Da in Billing Cyde ii till MINIMUM PAYMENT WARNING: tl yea: hake nnly the ninim,m payrr.°nt each period, you Ili rill pay nitre in irnerest and it will Lie you hi i.9 pay oFf year balance. For example: Visa Business Carp XXXX XXXX-XXXX-1 893 Paymem Ami Each Period if No Approramate Time to Pay Off Estimated NEW BALANCE ....?. .. ?: \'`•. F:Yi\;' ?, ?,, ,?Y,• Additional Charges Are Made Statement Balanre Taal Cost $5,786.40 y'.. A ;.,. , . hill PaynwM ../ears If yew could like oftrialon ahuil ae.it cm[Isell servicN,, call 1-986"s76&055. LATE PAYMENT WARNING: if we du nLA recrire y rn ril. paynrnt by yolu Cce dale, Credit limit: 55,000. W Cash Credit Limit: S2,500.0t1 ya' ny have to pay a 539.110 late hr. Available Credit: SC 01; Available Cl lot Cash: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance i 55630.50 _ 50.00 ?i + 5155.90 i } -?-50.00-? - 55,786.40 L ------ - - ----- `_ ----------') I BUSINESS TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOYCE M DRAPER #1893 FEES 1 14 LIAR PAST I:•uF FFE 17 %14R OVCR1. hr,IT FEF I•.1AR'7, 2011 Total Flies Ill Period Total Fees This Year INTEREST CHARGED INTFRcST CHARD%P'JRCRt+SFS Total Jill This Period Total interest This Year Transactions contirnre on page 2 PLEASE RETURN PORTION BELOW WITH PAYMF 539.00 S3900 S73 OC 5234.00 577 90 S 7 7.90 S24' e0 NT OR LOG ON TO WW1N Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your acmutt. j Annual Percentage Balance Subject to Type of Balance Interest Charge i Rate (APR) Interest Rate Hnchases 1790%D .`5,673.51 577.90 Cash 24 90% D 50.00 50.00 CAPITALONE.CONVSMAL IBUSI NESS TO MAKE YOUR PAYMENT ONLINE. 1 4802132379951893 17 5786400025000965005 Account Number: 4802-1323-7995-1893 Due Date New Balance %-l; l •r Y+,a-:,r Amount Enclosed ----------- - ---------- ? ,r Apr 14,2011 l $5,786.40 j JOYCE M DRAPER M A D MIRALCES, INC Di CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 ?I?L?I?IIJrlllrlrlll?llllll'rlrNlllrlrl'Il'1III'I'I1111rInLl Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information Manage your account in privacy 400006 Capital One Bank (USA), n A. P.O. Box 71083 Charlotte, NC 28272-1083 IIIII11,lurr1111I-II-1111111,-IIIIII-rll•urlllrllrrillllllIll nl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the encloses envelope. JOYCE M DRAPER Hryw -I avoid paying Intern( Chagos? each month yuu pay your "hew Balance" m '-N. you MN have a minimum yracr period a` 25 days sith nu interest charge on all new 11 w,hases,'_1 balance t-IIIII, 3) special purchavs and e) other charges. If you have been paying your a. count in 4.11 with no interest chame, applied and you do not pay your neat hill in roil, pm-d rsrerest charge, sill he as=,,,M Tbe,e is no grace period an cash aAvanrn, ,,-ial Transco,, or .n any now Tmnw:tion sahnn there is an r,W.id halanref-, a pe,,;ous hill How Is the Interest Charge applied? Interest charges accrue from the !) date.f the Transaction. 2) dace the transaction is processed or 3 j firs; calendar day o' the billing perion. Interest eh.W, o e unpaid annum: until it is paid m fuN. This .-- you may v - r rest charges cart r yu pays the entire "Nose &:lance" one month, hot hit not do so for the pevi-, ..sonth. rJnpaid interest charges ar, added to the poprn scyrxsrt of your Areount. Fo el. we I-- the right lo not assess ime-t charges at any time- Do you assess a Midi- Interest Charge? Ye,. A minimum INTEREST CHAR(W of $D. so will be--d for each billing period your z: count is sohiek, to an interest charge. Fkwe did you calculate the Irderest Chancre? I here are several aicu6i,ons that are coed to determine your total intorest charge. 1. To get your Gaily Balance: For each segment, 1) take the beginning balance and ,.to in nosy Transactions and the periodic interest charge on the pevimn days Mlanre 2, Solrrert any payments and credit, for that segment as r-f that day tree result is the daily balance tnr, each segmr-rt Hoe, -, if yuu paid your previous month's halame in fun For it your balance was hem ar a credit amooml, new, c,a...cti.- ssfiirh past to ur purchase or slye.ial purchase segments are not added to the daily balances. Also, ransactions that are subject To a grace period are not added to the daily balance,. 2. To find y.ur Arraye Daily Ilalame. 1) acrd The daily balances together antl 21 divide the vim DY the umber of ploy, in the blikng cycle. 3. Estimate your Tn:al Interest Chxrge ?) muhipy your .-age daily DaWnce by the daily paiodk rate and 2.....loply the reap by the number of days in the billing period. NOTE: Du, To rounding or a minimum inerest charge, this ralculari.n pray ,a ry from the interest charge actually assessed. Frew can my variable Annual Percentage Hate (APfl) change? Your APR may increase ar decrease based on on, of seven standard indices reported in The N.ya# Sb,- m»!. To find which index is used for your arcoumr, Inok for a code (P, L. E: or F) on the from of this stae-aen: neat to The AM,). Then cheek the table her- Code nerd to year Annual percentage Rate (APR) Index which your alex are Loosed on When your Annual Percemage Raze will change P CwM1erty prime • m'rgw pcviwsly disclosed to you The first day of to L oarblry LIEOR - mugs prwia,sly niscl-d to you billing periods It"" C r:aM1rxly CD • rnnrgin peiryusly disclosed to you end n. January. April, 5 eank.ard Piinne • margin pruiously disclosed to you July ctrl Dclaber. D lamthly Frirn in pouausly disdosad lo you The fir=_t day at rect. F tdmthy LI&.7p. + m.ma. pai-ly dixlnseo to yon mmddy Inflim; .i 7--y LIB•Y + -gm previously di-kned to you mdod. Are there Mditinnd Fees associated wish enY account? Y,s, under certain r.'xc,xnztanres, yuu may b, as swd a La! err Returned Payment Fee. You may also f>e charged uverlknit fees if permitted by Wa IN, r e The right To net ass.,ss ,-without prior nmi- and svi:heut waving our right to assess a similar tec later. I-low ran I Close My Account Ynu may close your e.c,, rmt Ey calling or sxitkrg our CAntomer PeWtinns Drparrrrent. At :hat time, rv, sill provide additional details inrlutling payment irr?urrnatinn. If you use your credit yard [x charges post ro yorv accaurA after You ask w to close it, aye ran k,ep 1'au, acronm open To avoid paying any apfalirable rn,mheMgs tots, call to close your aueunt prior to the end of the cycle in which it is scheduled to be billed. What happerw If n,y Acrnr,+ k Sna+ended I We may close or suspend your account and your right to obtain credit ac any tune and for am; reason, even if you are not in default. Are aunt -W-innan he permanent or tern(xyrary If your account is closed or -spent ?l stop using your credit card and -..m, 2) cancel all automatic Wymen s, 31 dern7 - all ,A,, carts and access checks, and 4) pay ON amounts yon osve us, even if they were charged after the account was closed or suspended . Fkyvs• du I Make PaynsenrI0 Payments you mad To us sill be r-redilied to your account as of he business day our -es a it, as lung az 1) you send the bottom portion of this statement and your check in the -closed rnnina,ve enwelope, and 2) your pevnei is received in one of our processing centers ty 5prn owl chore. Please allow a, least (7) business days for mail d,livery. Mailed pr.Yments received by us at en•; o:h. low,ion or in any other formroay not he credited as of the day sve receive them. D. you lit-, Paper Checks as an Llectrori, Funds Transfer/ When yuu pwide a check as payment, you authorize us and our agents either n, use information from your check ';o make a m, electronic tund uenrer hum your deposit account or to process the payment as a chi-.Y, tnansactiur, iPhen rw osc• infnnrwtion from your check to make an ere o-ir ^.md transfer, funds may he s41hd,a- fmm your deposit account a, soon as he same day - ve your payment and yu will nor receive vour check bark tmrn you, financial ms,irurion amhorizatnn is not IenitM by the date our th, check. We may re,uhrrit and eleclraucaily collect the remmed payments. What It I file for Bankruptcy? if sou are emniel to bankmptcy poteciion, this ,ration is to. in t oily, it is not -m a -mint to tolled, assess or recover a debt or r?Wrr' rrrnno not and us pays urn:, Mthout speaking with your bankruptcy attorney ov the Bankyuptcy Court. M you or P. attorney ,mould like!. contact our bankruptcy claims -vi L?, dirn-ty, please coma: t Capital One Per S- ;028!. Salt Lake City. LIT 841 3 0-02 85 BILL ING MUG TS wMMARV Ti- rNo, Apply to small Rsin- A¢ounh) What To Do If You Think You Find A Mistake On Yorr Statement. If yuu think :her:: Dan n your sle-em, write m u, at Capital C." P.J. W. 3(128,5 Sal! Lake City, UT 84130 D285 In your lean, give ., the fogowirrg information: Aceunt int-oli.n. vour name and account number. Dnikn amount. The it,, It amamt .1 the ,uxr,,t,d c+ m,. Desmotion n1 Problem: If you think There is an,nor on your hill, describe chat you ly Iiev, is wrong antl rvhy you her- it is a mistake y contact us within po days a •en the error appeared an year - nntay us of any pot,ntial rtrn rvI. You may call us ornx(y us ,lec[mnioally. You but if you do rare not wWi,M to im- igate am, potential error: and you may have to pay the amount in question lYhile we investigate ssheth,r w nor there has b,en an error, the folb,ing are im,? We cannot try m collect the amount in question, s apart you as delinquent on that are-nt Th, charge in question may remain on your stale, rent, and we may continue to charge you ime-t on that amount. But, if ve, determine that sve made a mistake, you will reet have to pay he amount in goes arty interest or fees related to that amoernr While you do not have m pay the amount in ques until we send you notice about the ne of ... investigation. yon are respo-Ne'nr the rerre'm4r of your ha We, We con apply any unpaid --on: against your rm•dit limit. Your Rights N You Are Dissatisfied With Your Crrsclit Carol Purchases. If you are dissatisfied with the goads or -ices that you have purrhasM n ith your credit card, and you have Tried in good faith to c"' I [he problem with the merchant, you may have the right not to Fay :he remaining amount der, on he purchase. To use this right, all of the falloea g most be true: T. The purchae must have been made in your home ,rate or sithfn 1 a1 stiles of yo...... em maikng address. and the purchase kek,, crust have beyn ,nme than 150 (Note. Neither of these sr, eceswry 0 your purchase svgs based on an acNertisttnem we mailed to you, or if ve onto the company that sold you the goods or sm,icm You rut haw -d your credit card for the purchase. Purchases rtlade with cash advances -root an ATM or with a .-heck that eccesse, y ... credit card account do cwt qualify 3 you rnu,r nut yet haw fully paid for the purr,... If 611 .1 The c ena abyveare rift antl you ere still dis.a:is<ietl sith :he purchase, contact us _sug at: Capital Dne PO Bon 30285 Salt Lake':Ity, IJT 841 ?50285 While we irwestigate, the same rules apply to the dnpurnd amount as discussed abed. After ve finish our investigaderi. we rill tell you our decision. At that paint, if we think you ow, an a ant and you do not pay sve may report you as delinquent. Capital One supports imornetiorr Iwat,v pour N,,: s vebsite at mv,y .alntalone torn Gpital Doe is a federally registered service mark of Capital Rre Financial Cmpora:imn. All rights reserved 20:0 Catntal(I., LC -DS otit)1/10 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone . ..............__..._..............._.............. - Alternate Phone ........ _ .............._............................................................... E-mail `O Address .........__._._ ....... ......._._.......................... ........................ r Plea ri t h b h i bl bl k i dd b k se p n resser p one num e anges a ove us ng ue or a c ac n . Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly. • Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account 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 ?. --- - Page 2 of 2 1-800-867-OM -- - - - -- _ , www.capitalone.com/smallbtisiness Feb. 18-Mar 7,2011 28 Days in Killing C fe - ----- ----- - - --- --- -- -------- - C edit limit: SS,W 00 I Visa Business Card XXXX-XXXX-XXXX-1893 AvailableCiedit: s0oc NEW BALANCE .... 3N`• P YN'"•\i' , i.. (-ash Credit limit: 52.500.00 $5,786.40 ?:,...-... Ap i42 AvadahleCled,tturCash: 50 dN1 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 55,630.50 ,i + ! } [ 515560 - SOHO SO.bO _ 55,736.80 --_- - ----- - --- - - I BUSINESS TRANSACTIONS CONTINUED "our amount has gone om its aedit limit. To avoid adJitiunal overlimil fees, ym should pay more than the %lioinuim Payment. ?lease pay =Rough to bring yon account balance belms, yom credit linil immediately, and make sure vour account balance remains below your coedit limit. Tease lva sure the amount voo pap acco-nts 101 any hclw a purchases, fees, aod'bonc e ges. You %,erP assessed a past due fee beraus,e Your minimum payment was not received by the due date. io avoid this tee ®t the lutuie, :,w rec mnmend that you allow at least 7 hu-.iness days for your minimixn lxryr0enI to reach Capital Qla. 1 1 Rw- jw .'s in your wallet? 5000'5 IT'S TIME TO TAKE CONTROL OF YOUR DEBT. WE'RE HERE TO HELP. Even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1-800.955.6600. Make sure you call or pey t-e arrount due on your statemeit by the due date to el Innate the nsk of being charged off `101009 01w,1 One. Cafire! Orm r; a frdrra!ly r-rgw-d r-i- ,nark. Alf ,,glm --,d. Page 1 of 2 1-800.367-0904 www.capitalone.com/smallbusiness Mar. 18 - Apr 17, 2011 31 Days in Billing ( yd, - - - ._.. _ ------ - -- -- 11 al 1111 1111 g MINIMUM PAYMENT WARNING: If yw -ke onlythe ninirucr payms!t each period, you • •• will PaY rnMe ir. imrteu and it will L#e? ruu Inngw to p:y oB your hAdme. rot mrTh.: Visa Business Card XXXX-XXXX-XXXX-1693 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE ...,?.w ii•1 i,.2'\•;,?i?,iY' ,, ?,, ,,,?, ,. Additional Charges Are Male Statement Balance Taal Coat $5,914.09 Minimum Payrrem 23 Years }12,65? If ynu would like infatuation ahout of^¢ m:rs,14 g setvicin, all 1-Sm326 WD55. _ LATE PAYMENT WARNING: It we co nm rrixive I ont 1411irntm r yn-I by You due d,dP, Credit limit 55,000.07 Cash Credit limit: 5250000 my have to pay a S 35. J0 rate home. Available Credit. W,0C Available Credit for Cash: 50.CC Previous Balance ---- Payments and Credits Fees and Interest Charged Transactions New Balance - - ------- -------- SS78640 -- --- --- ------- - - - -- 0.00 + 5127.69 t I 50.00 $5,914.09 CBUSINES5 TRANSACTIONS PAYMENTS, ORE DI TS & ADJUSTMENTS FOR JOYCE M DRAPER #1893 FEES 1 14 NPR PAST [,Uz =tE Total =ees This Period -otal fees This'iear INTEREST CHARGED N1fRCST CHARr,r P,l RCR:,S'S Total 44-test ?his Period Total interest This `ehi Transactions continue on page 2 S39.00 539.00 5273 00 S3869 588.69 S332 (19 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage BalanceSubject to Charge Interest Rate (APR) Interest Rate qudtases 55,834.21 588.69 Cash 24 90'ffi U 50.00 S0.(h7 PIEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWwCAPITALONE.CONVSMALI.BUSINES.S TO MAKE YOUR PAYMENT ONLINE. Account Number: 4802-1323-7995-1893 Due Date New Balance rv?:;;;;:;?::,, ;>a;•;::C;3;. Amount nose May 14, 2011 1 $5,914.09 JOYCE M DRAPER MA D nIRALCES, TNC DBA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 1111'1111111'111111'II`III'II'Ill'1'I"IIIIIII'I'IlI Ilnl'llllllr 1 4802132379951893 17 5914090025001151001 Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information Manage your account in privacy 400006 Capital One Bank (USA), N A- P O Bax 71083 Charlotte, NC 28272-1083 IllllllrlIt rlull`II`If IIIII.-IIUh"I1.1-II1`11^11111111-hII Please make dledcs payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 10YCE M DRAPER liow can I avoid Paying Irderest Char s? Each "-n h you pay your Tesv Balance' !rill, You will have a minimum y,- period o p25 days with nu interest charge on an nc-w lime p,rrnases, 21 balance'" nuns, 3) special Porch... and a) other charges. n you nave been Paying your a. count in tulr with no interest harges aplied 0,M you do not pay your next bill trill, poratetl imersst cherge wit be asp ZSeA mere isw grace {eri. ion rase aAuanre, ya'<ial rmnzfns, use en any nc-rv rransa; ti. wh rherc• is an unpaid balanc'from a rxc-,o's bill. liow is the Irderest Chime applied? Interest charges accrue from he 1) date of the transaction, ,') l ate the trnsacton is prnre.sed or 3) first calendar day ou the hilling period. Interest'haryas.curie on new unpaidanwunt until it is paid in full. This means you crew:? - : r :hergrs even i' you pay the c-retire "Nero Balance" one month, but did not do so f.r the pevr us . math .:",Paid interest changes arc added to the purr, segm your .sc.oun.. I+oeverer,r eve resent, the right. r. not assess interest charges at any tire.. Ib you asse•sz a Minimum hommat C.hi me! Yes. A mininrrn INTEREST CHAW F. or S0 50 twill tw axe.szd To, ach pilling Period you team, is vah)ec. to an u ,erect charge. How did you calculate the hnerest Chime? there- are =m l tions that are used to detern ine your total inlem,t ,he,q, 1. To get you Daily : For each segrne.r. 1) take the beginning taller-e and add in n.v transactions and the periodic interest charge on the pevian day's halance. 2) Sufic -t any payments and credits ter That semen, a -f that Aay The revels is the tlaily balance rm each segment Huwr.•rr, it you paid your previous marsh, y_r ri_ full am f your bak;m a sews tern .r a creels; amcun:o new [raosar!iorn anirh rwst [o your purchase a special per, has, segments are met eAAed in the daily A;lances. Also, m that are nrbjec[ ro a grace Period are not added t. The daily balances. 2. To rind -rage Dairy Bala, a. !1 acid the daily helances logo Ithem and 21 divid, the sum by the um[wr of days in tM hilring c y-1e 3. Estimate your Total nter',[ Charge I I multipy your ,rage daily balance by the daily periodic rate and 2, nmftiply the result by the number of days in the Willing nenod. 1111E Due to rounding or a minimum interest charge. This calculation may vary Irmo the interest charge actually assessed. How can my va rubli, Annual perrentane rare (APR) change? Y1 irclc-a m APR may increase wh Pr de,,h bawl on one of seven standard indkes reported in the Pyalt S,taet m+af To find edforyen r,bokl 1c"k-W.r, C, S,lior F)onth,fronTofthis statement next'othe APNu, Then cheek The Tad, below: Code next to yore Annual Perc not Rate (APR) Index which your rates are based on _ Wh- your Annual Pemetltage Rate wilt change P OuaAerly Prklw+margin prcv,-I, disclosed to you The first day of Nee L I Cuadwly LIECA2 - margin Deviously disclosed to you billing periods Chat C uarlerly CA+ r-gin pevously disclosed to you end in Jwwwy, April, 5 Eankca, Rinw+margin previously disdosc4 to you July Cirri Oct:abrr. D tamthly Fan e, + margin paviously dh d-rao to You Th. first day or ea rh. F Mou hlr LIBOR + mamgir. pmvi:wsly dis-lnsac h yew monthly bilks; G - airy LIB:-f+ margin previously de closed to you period. Are there Additional FLa s avsnciated wlth my account? Yes, under certain circumstances, ycu may be essesud a eere cr Re[uInd Payment Fee. you tray also be charged uverlimit tees if ,.,,led by lasv We reserve:he right to not axes fees without prior novice and without evanring o right !o assess a similar tee later. Fk- ran I Cl- Me Alto", You may close your ac-amt by calling c r v xi:ing our Cintomer Relations Department. At :hat time, eve AN provide additional details including payment in'; ,mitnnn. If you use your credit card or charges rva" to your accnut after you ask us to close it, eve can keep your -,not M. To avoid saying any applicable membership fees, Al cto close your account prior to th, end of the cycle in which it is scheduled to be LTIad. What hoppers, N nor Arrourrt Is S,-,,A•d? IN, may :lose ra su,p,.d your account and your right to o7.ain credit at any time and for any reason, even if you are not in default. A'e aunt s W.n o he penuenein or Irm xnary IT "r, account is rh sM or suspended 1?.) son using your aedil I aid and accoun: e) cannel Al automatic payments, 3) dent enr ell credit cards and access check, and 4) pay all air oun[s you uuvc us, even it they were charged after the account was tln.M or suspend M. FWw do I Make Pavn,,dsa Payments you mad to us will be cmdited to your account as or the business day ev arrive it as long as '?) you send the horror porion of This slarerner, and your check in the eclosed remittance emi,lop,, and 2) your p"maut is received in one of our Ixocessing centers by 5pm local time. Pleas, allow at least (7) business days "or mail delivery. M['d t Mailed payn.warits received by us a,,.ny other lotaron Pr in any other forme cTv _ of he:redired os of the day sw re. ewe them. Do you Rue's Paper Checks as an Llectrvnic Funds Transfer? When you provide a check as payment, you authorise us end our agents either Ie. use information from your check -o make a • one-time electronic fund rranster from your deposi- account or to process the payment es a check aa n. Ylhen - use information from n rurh„k to make an electr.nk livid tram"er, fund, may be esithd e-'.,om your deposit account as .on as the same dey - we your Nvuerlt and you rap riot receiv, your ::heck back horn your finarr-iel ins'itution You, auth.rvenue n not lk,rired by the date on the Check. eve may reubnil and elertrurncaIly -Ilec[ :he resumed pays-,:, Whit k 1 file for Barsltnbtry? If ycu are'Hashed L. ha M:mptcy pm:.gtian, this .. acation is for infmmation only, i; is n.t an a::-rmpt [c cope[[, assex Pr recover e debt use clairwrt D. not sentl us payments svdfnmut speaking with your bankrupcr a::orn,y or the Bankrupcy Court. IL you or your oturn,y would tke to Contact our bankruptcy claims s"eice•u :firectly, rAeaw ton, 0,:.e Capita One PO fwx ±0265 Salt Lake City. UT 84130,028, BILLING RIGHTS SUMMARY daces Not Apply To Small Buunest Ar..Pets) What To Do It You Think You Find A M,,take or, Your Statement. If you think the,z is nn error on your statement, writ.- t. us at Capital one P.J. no. 3021V" 511[ Lake City, UT 84:30 D28, in your letter, give us :he fork, i g infonna:- Account krformation: you, u7e end accoun: nut-:bee. Dollar eeount The dogaamaant .1 the ww,,,d et e.. Description of Problem If you Think there is an en. sr on year hill, de=-crihe what you teFeve is Worig and why you bell., it is a rn take. you m, -nntxrt us within b.: days a`,er the 'Herr:ppe.=.rr.1 on yrur s:a!ernast o[Ay us of any Potential'rrors in veritina You may call us or nntiby m elernonicallr. is' but it you de we are not required to invez igate any potential ene,; and you may heve t. pay the am.umr in question. While estigate whether. not There has been error, the toll:wing are We can-1 mtry to culler, the amamc in question, cr an you as delinquent on that amount The charge in question may remain.. your ste e-1. and Car may continue to ,home you interest on that :roust. But, rt we deterrrvine that sve made a mistake, you swill In-r hay, to pay the amount in question or any interest or other fee, related to that amount. While you do not have to pay the anon., in question until we send you a notic e about the •autcrxn, of our inveitigati.n, you 0,:e msrwnside for the remain ,•1cr of y- halam-,. We can apply any unpaid amount against your credit limit. Your RIghis If You Are Dissatisfied With Your Credit Card Purchases. N you are dissatisfied evith the good: or services that you have purchased with your credit card, and you have- tried in good faith to con -t th, pmblem with :h, merchant, you may have the right not to P:v in, rang amount due on the prch.v, To use this right, all of the ".Mowing most be :me' 1. The purchase must have been made in your home vale o within 100 vales of your Curren: mailing address, and the pnrchas, price roust have been more than $50 (Note. Neither of these --q it your prrchase was based on an adv:rtisenlent sv, mailed to you, or if we osvrl the ctunicany that sold you :he goods or service ) 2 Your must have used your credit card for the prrchase. Purcha...... d, with rash edvences from 0,r ATM or with a check that accesses your credit card account do not qualify. 3 Yon y our yet have fully paid for the pur chase . If all of :he criteria above are mil, and you are Still dmetivied with the purchase, concert us in writing at Capital Cede PO B.. 30285 Slit Lake City, fJT 84'I iO Wtvr While we investigate, the carne rules apply to the disputed amount as discussed above- After eve finish ore imes!iga:ion, we will tell you our decision. At that point, if we think you owe an amount and you do not pay eve may report you as delinquent. :apical Onr wprwm irAormariarr Ixivary pmr,c tiun s webs"", a: arnv rafltal.ne rem Capital One is a federally reg.,t,.,d service mark of 1 Pit.l Are Financial Cnrtwra:ion All rights reserved 2D10 Capital One T,-06 .'1i,+J1it 1 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone .......................... ::_.. Alternate Phone ........... .................. ..........................._......................_......... E-mail L Address ............................ _........................................................... Please print address or ohone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. Last but not least, be sure to write your 16-digit account 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 Page 2 of 2 1-800367-0904 www.capitalone.com/smalibusiness Mar. 18 - Apr. 17, 2011 31 Days in Rifling Cyde - --- -- --- - -- ' Visa Business Caryl XXXX-XXXX-XXX.X-1893 Credit limit: S?,000,001 A41able Credit. SC DC ', - NEW BALANCE Cash Credit lird: 1,500.00 $5.914.09 : ?..... is5.^.y Z) Available Credit fair Cash: ----- 500 --- -- -_..----' '.. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance s57Y.E.90 i, - 5000 ', + 511769 } 5000 - 55,914.19 . l i BUSINESS TRANSACTIONS CONTINUED - -- --- ---- ---- - -- - ----- ----- ---- 'roar aawit has gone its credit limit. To amid additional ovnlimitfees, you should pay more than the Miairxmi Paw ent ?leasF pay enough to bring your ac[oorit balance below your etedit limit immedi: Hv, and mabe sure vaur account balance ;emaius below your uedd limit. Tease lk sure the amount vmi pay accounts (or any , 'utme purchases, fees, and'inance chauge<. ',sou were assessed a past due fee because your minimum tr?ment ryas riot received by the due date. io avoid this tee in the futuie, e•e fecanmend that you allow, at least 7 t1UiIne55 da YS'Lf Mi minlmom pavr,Fnl to IFach Capital One ', 500343 1 r capital 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 wW W.Capitalone.CO(n/solution5 Apr. 18 - May. 17, 2011 30 Days in Bitting Cy& IMPORTANT ACCOUNT UPDATE5 Visa Business Card 46021323-7995.1693 your full balaur is due. Arty pay-vt you make will iedw, your balance and help pay off NEW BALANCE PAYMENT DUE DUE DATE your debt faster. The an-cunt you owe may -.Oef if eouve entered into a sepxm paymrt agre^urent. , $6,079.80 $6,079.80 PAST DUE Available Credit: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - --- ------- - - - - - -- - - - - - - - SS,914.U9 50.00 t 5165.71 i } I_-- SD.00 --_! `--S6,079.80 ----_-' F8USINESS TRANSACTIONS _--- ------ -------- PAYMENTS, CREDITS BADJUSTMENTS FOR JOYCE M DRAPER #1893 FEES 1 '4 MAY PAST DUE FEE 53900 ('Ally OVER; lh!JT EEE t.'AY :7, 20 i 1 539.00 -otal Fees This Period 578.00 Total Fees this fear 5351.00 INTEREST CHARGED INTEREST C14AFG- PURCHASLS 581, ?i Iutal Interest Lhis uonud 587.71 Total :rarest ibis year s4i9 30 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. - ------ - -------- INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual intetest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate purchases 1790%D S5,961.5r 587.7' Cash 24 90% D 50.00 50.00 -- --- -- - ------- - -- ----------- - - PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONECONVSOLUTIONS 10 MAKE YOUR PAYMENT ONI-INF. 1 4802132379951893 17 6079800025006079803 Account Number: 4802-1323-7995-1893 Due Date New Balance Amount Enclosed Past Due 56,079.80 Manage your account online. 49 Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 2417 without picking up the phone. 400004 JOYCE M DRAPER R A D MIRALCES, INC DRA CURVES 6260 RUN CROSS LN ENOLA, PA 17025-1295 II-I„ILI.LII-I,I'III'IIII"1 11VIrLIIIIII III r1Jr111 111111 Capital One Bank (USA), N A. P O Box 71083 Charlotte, NC 28272-1083 II11111rIII.-if 111r11r1111111.-III111--11-1,111.11-11111111-1111 Please make cheda payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How can 1 av old paying Lreerest Charges? Each month you pay your %- Bela,, ce•' in full, newt ) will have a minimum grate wood of 25 days with no interest charge on all purchases, 2)balanre nonsl-, 3) special rurchases and 4)other charges. It you have been pawug your, x coon: in full wish nu int.- charges applied and you it. root pay yur next hill in roll, I.-Ted interest rh ...... in be assnsed There is no grace period on cash adrancc,. ,pedal traidis, r-n any e!v eransac tion when t here is an unpaid balance from a previous till f is the Ito eresl Charge applied? 1.!e,nt charges gran, born the -)date of the !, a-,!inn, 2) date the Is,-, tion is pores, wed or 3) first calendar day of the billing period Interest charges arcn,e on every unpaid amount until it is paid in lug. This means you may owe r rest charges even ii you pay the entire -h- Baance" one mwolh, but slid nn: do so fu the previous month Linpaid interest charges are added to the proper segment of your Account H.we a eel eve the rijh! to no, a,- interest charges at any time. Do you a Min l Inlwesr Charge? `'es. A nnim-- INTEIIEST C.HAFrF DT >u.5rl will tie asse_sed ur each bN,.g pen nd your accent is subject to an merest charge. flow did you Calculate the Interest Charge? There are several calculations that are used to dem,mine your total interest rharge. 1. To get your Daily Balance: For each segment, 1) take the beguning bales,, and add it send the periodic interest charge on the now previous day's balance e) Sudso any payments and cmilit,fo,!he, segment as of the, day there", is the daily balance!., each s g most. H.W-, if you paid your previous month's Arlan in full (o, if your balan wait credit ar nut new lrarnactimn ,shiLh Pest To your porches, « special purchase segrr votes are not adtlscl To the daily belanc s. Also r n !hat ale subject to 11,11 a period ate not added to the daily Men s. z. To find Average Daily Balance. 1) acid the daily baknces. together and 2) divide the sum by the aurar_r of daYS in the billing e'. ycb'. 3_ Estimate your Total Interest Chzrye: ! i nnuftioly your cage daily balance by the daily periodic rate and 2r rnuhiply the result by the number Dl days in the twilling period NOTE Due !n rounding or, a minima,, interes: charge, this rakulation may vary from the interest charge artuagy a=-sassed. Is the 'Payrrnent Dire' a Ixavott A,n?urd? N.. All stated amours;, are owed on the date of the s!aterm r However, because mrerest. tats charges and !her rhismes might change teem day to day as provi&d in your Lus!oma ag,eemsen; the amount due .n the day you pay pay be larger. For example, if you pay the amount stated in This statement, your account might ,101 have a balance after your payment is received. Also note That The amount you one may 3ffe[ r you've n,r,,,d kt v separate payment aPanq c-,, Please all the mnnh[•r on the front of the sate,nem toean exact pay.. an ioun.. lbw can my variable Amaral Perrerdage, Rate (APPJ change? Your APR oun, increase or decrease haled on one of seven standard Will— rep -d in -he Well Sheet Jrrrral To find which 'i der is used ton your account. loot: for a code (P, L C, S, D or F1 on the front of This statement next to the APA(ir. Then check the table below Code next to your Annual Perremr esge Rate (APR) Index which your rases are bussed on When your Annual Percentage Rate .It change P Guaderly Prim -ie. lx w•iously di otosad to ynu The f f clay of We I- Or..d[aly L IB13P - mwgin T-inusly die pct to you tilling periods Meal C Ouadrcly C) + magi,, Nuvrwsly disdosed to you endin January. April, 5 Sark, and P into + margin pre iurly disclosed In you July and Octater. D MvdNy Priam - margin previously disdose cl to you The fast day of each F Monddy LI&JR + margin praaously dixlo.sed to you .,,wkly billing G airy t POP * margin provim,ely diadosed to you psai- Are there Addih...I Fees asoclatM With my account? Yes, ender certain circumstances. you may be ass wed a Late- Renamed Paymenr Fee You nay also be a-Bind osredimrit fees it penniuod by law y Will also be IKIdIld to pay all of our actual collection expenses, =.ttorneys' fees and wet casts unless the kW doe= no! allow us to cogecT these amounts 'Ne we the right to not assess Ices without prior notice and without waiving our right to assess e s mail, ee later What happens if err/ Account is SuspendedWe may dose or suspend your ace rent and you right to .Main credit a, any time and fu am ,e n if you are not in defauh. Account suspension can be permanent or temporary?it your account is closed or suspended You must 1) swp owing your L,rdit. card and account, 2) cancel all auto nratic µtyntecots. 3) destroy all credit cards and access checks, and 4) pay all amounts you owe us, even if. they were charged a-.:er the account was closet on sustr'nded liow, do I Make Pavrrlnrts? Payments you mail us-,ill be credited to your account as of the business day eve receive Chem, as long as: 1) yo sc:d the bottom forcn of this -'-rl and you check in the enclosed remittance envelope, and 2) your payment is rereived in Capital Owe', p'.1n_sing centers by 5W,. local Winne. Idease A- at Icast seen (7) business days!,,, mesa d-4ivery. Mailed Payments received by Capital :yne at any other location or in any ,.;her form may not be credited as of the day they am rec Jived. Do you Pn?cess Paper Cheeks as an Electronic Funds Transfer? When you provide a check as luyment, you an1h.,ix and our agents either use in`.crmation from your check !o make a us, on, - ere rd[c unnic food t.m let fMm your de[wsit accom4 or 1o ,.eves the payment as a check transaction. When ere use information from yew check to make an electronic. fund hamlet, funds may be withdrawn erorn your deposit account as soon as the same- day - ^we your payment and you prig not receive yore check hack from your financial insti:mion Your authorizatiun is not gmited by thr date on th, check We may resubmit and Ole onir 4 roger' the retuned payments- What it I file for H mknsots:, If you ae enwied t:r barrk,uptcy polection, this is for information orgy, it is not an attempt to L011-, assess or receve, a debt or dam, Do root send us payments without .peaking with your bankrupcy attorney or the Bankrupcy Cunt. It yur have questions atwout y:wr account or hanluuptry proceeding, plea:, have yon, aura , contact us Il you or your =-ttorney would likt to contact our bankruply claimssen•icer 14,r fly, Please contact';al>•ral Ore-PO1-31285 Sal: L aka Ciry, to 84159-0285 LKLING RIGHTS SUMMARY (Does No: Apply to small Business Accounts; What To Ib It You Think Ywr Find A ant take On your Statement If you think there i. no ur =tatemem" write M us at -or n yor Capital One P O. Box 30281 Sett Lake City. UT 6 13D'J2FS In Your left er, give in the foil-ing infonnau n: AL count information' Your name and account number. Dollar amount' The dollar ammo unt o, the suspe[ std error Descrimion of Pruden: 11 you think there is an enor on your hill, desuib, shat you believe is Wrong and why yon believe it is a mistake. You most contact us within W days after the enor appeared an vour statement. Vou must notify us of any potenTial errors is, Wtitirn. You may call us or notify us elcruouirally best g you do we are net required to investigate a,,,• potential errors and you may have to pay the groom in question. While we investigate whether ar not there has been an error, the follo ing are true: We, c not try to collect the mount in question, t report yui as delinque on that amaunr. The charge in question may remain on your statement, and We may Continue to charge you interest an that attn. unt. But, if we detrrrune [hat .e Blade a mistake, you wall not Is- r , I+,•, the amolmt in question or any interest or other fee: related to that amount. While you do no: have to pay the amount in question until w send you a notice ahuut the outcome of our investigation, you are responsible for the remainder of your balance Yom Rights if You Me Dlssadsfled With Your Credlt Card purchases. g you IF dissatisfied wish the goods a, services that you have ps-ha,M with you, credit card, and von have aied in good tahh to conect the problems with the merchent, you may have the right nor to pay the remaining amount due oo the purchase. To use this night, all of the following must be true i. The put, hale must have been made in your home I.' te or within 100 miles of your curtest mailing address. and the purchase price roust have be- rrnom Than $51 (Nate. N,;Iher of these L svey g your purchase was based on an ay enisernenr eve -Red to you, or if We own the cornpany That sold you The goods of services.)::. You oust have used your credit card for the punhase. Purchases made with cash advance-s'mm an ATM or with a check that accesses credit card account do not qualify. 3. Yo rnust no! yet have fully paid for the purchase. It I-our all of The criteria atrove are mer and you are Olldi-iisfied with the purchase, cnntatt ms g at Capi'd One KO, Pox 30285 Salt l ake City, UT 841.3, 0W W; While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our irvesligation. We will Tell you our deC.sion. At that point, it we think you uwvc en amount: and you do not pay eve may report you as delinquent. Capital One supports irTternation piracy pmrecu- see our webeim at wivwWcapPalon, tom Capital One is a f,d-Hy registered service mark o! Capital One financial Corlsoration. All right: rese,Wed ! 2 Gt. U Capital One TC-SU rtryl)1;",tl To change or update your address please call 1-800-258-9319 or visit www.eapitalone.com/solutions 2?C£66 Now that your account is 7 payments past due, the changes detailed below will apply to your account. Hopefully, these changes will make it easier for you to take control of your finances again. cavl-" x- Your balance is still due and you'll be contacted soon 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 as provided in your customer agreement, unless the law where you reside does not allow is to collect such expenses. 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 will 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) Highest interest balances are paid first: You will no longer be charged past due, over limit, or membership fees. 2) No more compound interest: Future interest charges will never accrue interest-making it easier to pay down your debt faster. 3) Regular payments will resolve your debt: Since your interest doesn't compound, making regular payments will get your balance paid. Call 1-800-258-9319 to discuss your options. If a third-party agency is already managing your account, your call will be automatically routed to them. Remember, you can check your balance and make payments online any time at www.capitalone.com/solutions. W Help is available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance, make a payment and answer any questions you may have. (`) 2077 (:apical One. (: zpiral One is a federaly regmered rrnare mark. All ugbtc mro-verl. Capital One® Customer Agreement Welcome to Capital One.® Thank you for opening a credit Card Account with us. This Customer Agreement ("Agreement") contains the terms for your Capital One credit Card. Some Definitions. The meanings of the terms you see in italics appear in the Glossary Section. To make the Agreement easy to understand, we will also use the following personal pronouns: "You," "your" and "yourself" mean each applicant and co- applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. It also includes an Authorized User as defined in the Glossary Section. "We," "us," "our" and "Capital One" mean Capital One Bank (USA), National Association; and its agents, authorized representatives, successors, and assignees, Account Documents. Your Account with us is governed by the following documents: (1) this document; (2) all Statements; (3) all rewards information and documentation if your Account has rewards; (4) any Privacy Notices describing our limitations on sharing information about you with others; (5) your Card benefits brochure which describes benefits provided by the Payment Card Network for your Card and Account. The most current version of your Card benefits brochure will replace all prior versions; (6) the "Security" Agreement if you have a secured Card; (7) all disclosures and materials provided to you before or when you opened your Account, including Truth in Lending Disclosures; (8) all other documents and disclosures relating to your Account including those provided online; and (9) any future changes we make to any of the above things. Please read these carefully and keep them for future reference. An image of any of these can be used instead of the original. New Offers. In the future, we might make new offers to you or forward offers from others that we think you might be interested in. These offers may have new or different terms and documentation for these offers will be provided when we make you the offer. If you accept the offer, your previously disclosed terms will still apply except as modified by the offer. Account Information. We need information about you to manage your Account. The information we need includes: (1) your legal name; (2) a valid U.S. mailing address and residential address (if different); (3) your date of birth; (4) your social security number or other government identification number; (5) your telephone number(s); and (6) your employment and income information. You must tell us when this information changes. Please update your address in the manner provided on your Statement. You may also update some of this information by logging onto your Account on our website or by calling one of our representatives at the telephone number provided on your Statement or on the back of your Card. We may require you to provide additional documents that are acceptable to us to verify this information or any changes. We maintain the right to restrict or close your Account if your information cannot be verified or if you do not provide additional information as requested. Credit Limits. When you open your Account, you will receive your credit limits. These will also appear on your Statements. We might also refer to your credit limits as your credit lines. We may give you different credit limits for the different Segments of your Account. For example, you might have a different credit limit for purchases than for Cash Advances. You are responsible for keeping track of your Account balances and your available credit limits. Do not allow your Account to go over any credit limit even if you have authorized us to charge you an overlimit fee for doing so, as described in the Interest Charges and fees section. We may still honor transactions above your credit limits, but our honoring of these transactions will not increase your credit limit. We may also increase, decrease, restrict or cancel your credit limit on any Segment at any time. This will not affect your obligation to pay us. Using Your Account. You promise to follow the terms of this Agreement as long as your Account remains open or has a balance. Please sign the Card immediately when you receive it. The Card is valid during the dates provided on the front. The Card is our property and you will return it to us or destroy it if we ask. You will take reasonable steps to prevent the unauthorized use of your Card and Account. We are not responsible if anyone refuses to accept your Card for any reason. Also, we may reject any transaction for any reason. Unless we tell you otherwise, we will bill each transaction to the applicable Segment of your Account and apply it against your available credit limit for the Account and Card for that Segment in each Billing Cycle. You may also obtain Cash Advances and transfers if they are permitted for your Account. Unless we agree, you may not use a Transfer to transfer amounts from other Accounts with us or any other company within the Capital One organization. You must not use, or try to use, the Card for any Internet gambling transactions or transactions that are illegal or not permitted by us. You will still be responsible if you do. In addition, these transactions will be subject to this Agreement, and you might have to reimburse the Payment Card Network and us for all damages and expenses. From time to time, due to circumstances beyond our control (such as system failures, fires, floods, natural disasters or other unpredictable events) our services might be unavailable. When this happens, you might be unable to use your Card or obtain information about your Account. We will not be responsible or liable if this happens. Rewards. Your Account might provide you with the opportunity to earn rewards. If it does, we Will separately provide you with all 0-P OA a information and terms about your rewards. We will include on your Statements all rewards you have earned. It might take up to two Billing Cycles for your earned rewards to appear on your Statement. Using Your Access Checks. When we provide you with Access Checks, we will tell you whether we will treat them as purchases, Balance Transfers, Cash Advances or Special Transfers. Only the person we designate may use Access Checks. Access Checks may not be used to pay any amount you owe us or any other company within the Capital One organization. We may reject and not pay any Access Check for any reason. Some examples of reasons why we may reject and not pay include: your Account is delinquent, charged-off, bankrupt, lost/stolen or closed; our fraud system prevents the offer fulfillment; yourAccount is overlimit; or the checks have expired. Any liability for our wrongful dishonor of an Access Check will be limited to your actual damages and will not exceed the amount of the Access Check. When you use an Access Check, you will have fewer rights to dispute merchant transactions than with other uses of your Card. Please see the "Billing Rights Summary" part of your Statement and your other Truth in Lending Disclosures for more information. Stopping Payment of Access Checks. You may request a stop payment on any Access Check by contacting us as provided on your Statement. We may charge you a Fee to stop payment as described in the Interest Charges and Fees section. If you call us to stop payment, you must also send to us a written request within 14 calendar days. We will have a reasonable amount of time after your stop payment request to research the situation and complete it. We will not be responsible if we cannot complete the stop payment because the Access Check was already paid, you do not give us the information we asked for or the information you gave us was incorrect. If we cannot stop payment for these reasons, we may still keep the stop payment Fee. Once we complete a stop payment, we do not have to release the stop payment order unless the same person asks us to. If we re-credit your Account after paying an Access Check following a valid stop payment order, you give us all of your rights against the payee or other holder of the paid Access Check. You also agree to help us in any actions we might later take against that person. Using a PIN. We may give you a personal identification number (PIN). For security reasons, you might have to provide the PIN before you are able to complete some transactions using the Card. With a PIN, you may use your Card to: (1) obtain cash from certain automated teller machines (ATM) or (2) make purchases at certain merchant or retailer point-of-sale devices (POS). You may do these things if the ATM or POS requires entry of a PIN and displays the logo of the Payment Card Network on your Card. We will treat all ATM transactions as Cash Advances and all POS transactions as purchases. You should keep your 13IN secure and not write it down, give it to anyone, or keep it with your Card. If you lose your Card or believe that someone has gained unauthorized access to your PIN, you must contact us immediately. Authorized Users. You may ask us to add one cr more Authorized Users with additional Cards on your Account. If we agree to your request, we will need certain information about the Authorized User to manage your Account. This will be the same information you provided about yourself as described in the Account Information Section. We may limit an Authorized User's ability to initiate certain transactions. If we do, we will tell you about these limitations before adding any new Authorized User on your Account. Once we add an Authorized User to your Account, we may discuss your Account with them and provide them with Account information. You will be responsible for the Authorized User's use of the Card and your Account as well as anyone else they allow to use your Card or Account. This will be true even if you did not want, or agree to, the use. Removing an Authorized User. If you want to remove an Authorized User from the Account, you must contact us as provided on your Statement and request their removal. We will have a reasonable amount of time after your request to research the situation and remove them. You also must immediately destroy all Cards in their possession and cancel all of their billing arrangements to the Account. We will not do this for you. During this time, you still will be responsible for all amounts they charge to the Account. You will be responsible even if these amounts do not appear on the Account until later. An Authorized User may remove themselves from the Account upon request. We may close your existing Account and/'or issue a new Card with a new Account number. Your Promise to Pay. You promise individually and jointly to pay us all amounts due on your Account. This includes amounts where you did not sign a purchase slip or other documents for the transaction. If you use your Card number without presenting your actual Card (such as for mail, telephone or Internet purchases), this will be treated the same way as if you used the Card in person. If you let someone else use your Card, you are responsible for all transactions that person makes. Your promise to pay us will apply to your estate if you die. Statements. We will send you one Statement for all Cards on your Account unless the law does not require or permit us to send a Statement. Statements will be sent at the end of each Billing Cycle when your Account has a debit or credit balance of more than $1.00, or if we have charged any Interest Charges to your Account. Your Statement will show all transactions billed to your Account during the Billing Cycle along with other important Account information. Disputed Transactions. You must inspect each Statement you receive and tell us about any errors or questions you have as described in the "Billing Rights Summary' part of your Statement and other Truth in Lending Disclosures. If you do not notify us as provided in those disclosures, we may assume that all information in the Statement is correct. If you dispute a transaction made by you or someone else on your Account, and we later credit your Account for all or part of the disputed amount, you give us all of your rights against that other person. You also will: (1) give us any merchandise or other purchases you received in connection with the disputed amount if we ask; (2) not pursue any claim or reimbursement from the merchant and that other person; and (3) help us pursue and get reimbursement from the merchant and that other person; your help includes giving us documents that we ask for and that are acceptable to us. Interest Charges and Fees. We will charge Interest Charges and Fees to your Account as disclosed to you in your Statements and other Truth in Lending Disclosures. In general, Interest Charges begin to accrue from the day a transaction occurs. However, we will not charge you interest on any new balances posted to the purchase Segment of your Account provided you have paid your previous balance in full by the due date. We will treat the following Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if they are provided in your Truth in Lending Disclosures. We may increase your Interest Charges and Fees as described in the Changes to Your Agreement section or in your Truth in Lending Disclosures. • Membership Fee. We may charge you this Fee as early as your first Billing Cycle or the first Billing Cycle after this Fee becomes effective. If it is an annual Fee, we may then charge it approximately once per year. If it is a monthly Fee, we may charge it once in each Billing Cycle. This Fee is payable in advance even if you do not use your Account. • Late Payment Fee. We may charge you this Fee if we do not receive your payment in time for us to credit it by the due date shown on your Statement. • 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 credit limits during any Billing Cycle. We may also charge you two additional Fees if your balance remains over your credit limits as of the payment due date in future Billing Cycles, You will only pay one Fee per Billing Cycle, even if you go over your limit multiple times in the same cycle. • Returned Payment Fee. We may charge you this Fee each time any payment you make to us is not paid by your financial institution for any reason, even if that institution later pays it. • Returned Access Check Fee. We may charge you this Fee if we do not pay an Access Check for any reason, including when your Account is in default, overlimit, suspended or closed. • Stop Payment Fee. We may charge you this Fee each time you request us to stop payment on an Access Check or you renew an existing stop payment order as provided in the Stopping Payment of Access Checks section. • Copying Fee. We may charge you a per-page Fee for copies of transaction documents or Statements unless they are required in resolving a billing dispute. • Cash Advance Fee. We may charge you this Fee each time you obtain a Cash Advance. This Fee will be treated as a Cash Advance transaction. • Transfer Fee. We may charge you this Fee each time you obtain a Transfer. This Fee will be treated either as a Special Transfer or purchase transaction depending on the Segment which the Transfer posts. Transactions Made in Foreign Currencies. If you make a transaction in a foreign currency, the Payment Card Network will convert it into a U.S. dollar amount. The Payment Card Network will use its currency conversion procedures in effect when it processes the transaction. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. We do not currently adjust the currency exchange rate or charge any additional currency conversion Fees. No Warranties. Except as otherwise provided in the "Billing Rights Summary" part of your Statements, we are not responsible for any claim you might have regarding the purchases of goods or services made with your Card. Merchant Refunds. If you are entitled to a refund for goods or services purchased with your Card, you will accept these refunds as credits to the purchase Segment of your Account. We do not control when a merchant sends us your refund. We will also have a reasonable amount of time after we receive your refund to process it. Minimum Payment. Your Statement will provide instructions for making payments, including the amounts due and the due date for receiving your payment. If applicable, your Statement will also include a minimum payment amount. To avoid a late payment Fee, you must pay us at least this minimum payment amount by the due date provided in the Statement. If you have agreed to incur Fees for going over your credit limit, be aware that paying only the minimum payment amount might not be enough to avoid an overlimit Fee. In addition to the minimum payment, you may pay all or part of the total balances on your Account. However, you must still pay at least the minimum payment amount each month, even if you paid greater than the minimum on the previous Statement. We will continue to charge Interest Charges during Billing Cycles when you carry a balance regardless of whether your Statement includes a minimum payment that is due. If your Account is 180 days past due, part of a bankruptcy proceeding or otherwise charges off, the entire balance is immediately due and payable. Making Payments. Your payments must be in U.S. dollars from a U.S deposit account and otherwise be acceptable to us. We do not accept cash payments through the mail. You may not make payments with funds from your Account or any other credit account with us or any other company within the Capital One organization. Mailed Payments. You must mail payments to us at the address provided on your Statement or as otherwise instructed by us or our agents. We will credit it to your Account on the day we receive it, if: (1) you send the payment coupon included with your Statement in the same envelope with your payment; (2) you include your Account number on your payment; and (3) your payment arrives at the address indicated on the payment coupon in our processing center by the time indicated on your Statement. If your due date occurs on a day on which we do not receive payments, any payment received the next day which conforms to the above requirements will not be treated as late. Please allow at least 7 days for postal delivery. Unless we or our agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any other form might not be credited for up to 5 days. This might cause you to be charged late payment Fees and additional Interest Charges. Faster Payment Services. We may make services available that allow you to make faster payments through a customer service representative using a telephone, the Internet or other payment system. We will describe the terms for using these services before you use them. You do not have to use these other payment services, and we may charge you a Fee for using them. If we do, we will tell you the amount of the Fee at the time you request the service. We are not responsible if a payment made using our payment services is rejected or not paid. Even if it is, we may still keep the Fee. If you give your Account number or other Account information to someone else to make a payment for you, we may provide Account information to them and process their payment as if you made it. We may refuse to accept any payment made by someone else for your Account. If we accept a payment made by someone else for your Account, you will be responsible for the payment made even if that payment is rejected or not paid. Payment Processing. We may accept and process payments without losing any of our rights. Even if we credit your payment to your Account, we may delay the availability of credit until we confirm that your payment has cleared. We may resubmit and electronically collect returned payments. We may also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle similar issues. When you provide an Item as payment, you authorize us either to use information from your Item to make a one time electronic fund transfer from your deposit account or to process the payment as an Item. We will provide additional information about this process on your Statement or other documents we send you before your payment. You may contact us and ask that we not process your future Items in this way. When you provide an item as payment, it might also be converted into an electronic image and collected and returned electronically. These electronic images may also be converted to substitute checks. We will not be responsible if an Item you provide has physical features that when imaged result in it not being processed as you intended. How We Apply Your Payments. We apply your minimum payments to lower Annual Percentage Rate balances before higher ones. We apply any portion of your payment, in excess of your minimum payment, to higher Annual Percentage Rate balances before lower ones. Items with Restrictive Words, Conditions or Instructions. All items that have restrictive words, conditions, limitations or special instructions added (including Items marked with the words "Paid in Full" or similar language) and all accompanying communications must be mailed to and received at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. If you make your payment or send any accompanying communications to any other address, we may accept and process the payment without losing any of our rights. Credit Balances. We may reject and return to you any payment that creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that your payment has cleared. We may reduce the amount of any credit balance by any new amounts billed to your Account. You may contact us as provided on your Statement and request a refund of any available credit balance. If you contact us in writing, we will refund your credit balance within 7 Business Days from our receipt of your written request. Account Default. We may consider you in default of your Agreement with us if: (1) you do not make any payment when it is due; (2) any payment you make is rejected, not paid or cannot be processed; (3) you exceed a credit limit; (4) a bankruptcy or other insolvency proceeding is filed by or against you; (5) you die or are legally declared incompetent or incapacitated; (6) we determine that you made a false, incomplete or misleading statement on any of your Account documentation, or you otherwise tried to defraud us; (7) you do not comply with any term of this Agreement or any other agreement with us; or (8) you permanently reside outside the United States. For certain actions, including changing the rates and Fees on your Account, our options appear in our original offer materials when you opened your Account. Remember, paying the Fees charged in connection with a default will not by itself cure the default. In addition, if you are in default, we may take the following actions without notifying you, unless the law says that we must notify you: (1) close or suspend your Account; (2) lower your credit limits; (3) increase your minimum payment; (4) demand that you immediately pay the entire balances owing on your Account (for example, as described in the Minimum Payment section); (5) continue to charge you Interest Charges and Fees as long as your balances remain outstanding; and/or (6) pursue any other action against you that the law allows, which includes the filing of a lawsuit against you. You must pay us all of our collection expenses, attorneys' fees and court costs unless the law does not allow us to collect these amounts. Communications. We may contact you from time to time regarding your Account. We may contact you in any manner we choose unless the law says that we cannot. For example, we may: (1) contact you by mail, telephone, email, fax, recorded message, text message or personal visit; (2) contact you using an automated dialing or similar device (' Autodial er"); (3) contact you at your home and at your place of employment; (4) contact you on your mobile telephone; (5) contact you at any time, including weekends and holidays; (6) contact you with any frequency; (7) leave prerecorded and other messages on your answering machine/service and with others; and (8) identify ourselves, your relationship with us and our purpose for contacting you even if others might hear or read it. Our contacts with you about your Account are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. Unless the law says we cannot, we may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose. When you give us or we obtain your mobile telephone number, we may contact you at this number using an Autodialer and can also leave prerecorded and other messages. We may do these things whether we contact you or you contact us. If you ask us to discuss your Account with someone else, you must provide us with documents that we ask for and that are acceptable to us. Credit Reports. We may provide information about you and the Account to consumer (credit) reporting agencies and others as provided in our Privacy Notices. Information we provide might appear on your and the Authorize !Users' credit reports. This could include negative information if you do not comply with the terms of this Agreement. We may obtain and use credit and income information about you from consumer (credit) reporting agencies and others as the law allows. Closing or Suspending Your Account. You may ask us to close your Account by calling or writing us as described on your Statement. Your Statement will provide additional information about this process, and we may also separately provide you with additional details after your request. This might include payment information. If you use your Card or charges post to your Account after you ask us to close it, we may keep it open or reopen it. We may close or suspend your Account and your right to obtain credit from us. We may do this at any time and for any reason, permitted by law, even if you are not in default A suspension of your Account might be permanent or temporary. If your Account is closed or suspended for any reason, you must stop using your Card. You must also cancel all billing arrangements to the Account. We will not do this for you. If we close or permanently suspend your Account, you must also destroy all Cards. You must still pay us all amounts you owe on the Account, even if they are charged after your Account is closed or suspended. Lost or Stolen Card.. You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your Card is lost or stolen or if someone else might be using it without your permission, you must tell us at once. You may tell us by calling the telephone number on the back of your Card or on your Statement or by writing us at the address on your Statement. You will not be responsible for charges made to your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made using your Card, you will help us investigate, pursue and get reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are acceptable to us. Changes to Your Agreement. At any time, we may add, delete or change any term of this Agreement unless the law prohibits us from doing so. We will give you notice of any changes as required by law. If we do notify you of changes, we will send you a separate notice or inform you on your Statement. We may send this notice to you electronically as permitted by law. Our notice will tell you when and how the changes will take effect and describe any rights you have in connection with the changes. Your variable Annual Percentage Rates (if applicable) can go up or down as the index for the rate goes up or down. If we increase your Interest Charges for any other reason we will notify you in writing. If we increase your Fees or other terms of your Account we will notify you in writing and inform you of your options in advance, including the right to opt out of some of these changes. We may increase your Interest Charges for new transactions and your Fees after the first year of the Account. Also, if your payment is not received within 60 days after the payment due date, we may increase your Interest Charges and Fees for existing balances and new transactions at any time. We may change any other terms of your Account at any time. The Law that Applies to Your Agreement. We make decisions to grant credit and issue you a Card from our offices in Virginia. This Agreement will be interpreted using Virginia law. Federal law will be used when it applies. You waive any applicable statute of limitations as the law allows. Otherwise, the applicable statute of limitations period for all provisions and purposes under this Agreement (including the right to collect debt) will be the longer period provided by Virginia or the jurisdiction where you live. If any part of this Agreement is found to be unenforceable, the remaining parts will remain in effect. Waiver. We will not lose any of our rights if we delay taking any action for any reason or if we do not notify you. For example, we may waive your Interest Charges or Fees without notifying you and without losing our right to charge them in the future. We may always enforce our rights later and may take other actions not listed in this Agreement if the law allows them. You do not have to receive notice from us of any waiver, delay, demand or dishonor. We may proceed against you before proceeding against someone else. Assignment. This Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not transfer your Account or your Agreement to someone else without our written permission. We may transfer your Account and this Agreement to another company or person without your permission and without prior notice to you. They will take our place under this Agreement. You must pay them and perform all of your obligations to them and not us. If you pay us after you are informed or learn that we have transferred your Account or this Agreement, we can handle your payment in anyway we think is reasonable. This includes returning the payment to you or forwarding the payment to the other company or person. Glossary. •"Access Check" means any check we send to you to access your Account. We may also refer to an Access Check as a "convenience check" or a "purchase check." -'Account" means your Card Account with us. -'Authorized User" means one or more persons who may use the Card but is not responsible for the repayment of the Account. -'Balance Transfer" means a Transfer posted to the purchase Segment of your Account unless otherwise described in your Truth in Lending Disclosures. -"Billing Cycle" means a period of time that might vary in length but is approximately 30 days. The specific period of time is described on each Statement. However, you will have a Billing Cycle even if a Statement is not required. We will often specify a Billing Cycle by the month in which its closing date occurs as provided on the Statement. For example, a "March Billing Cycle" will have a closing date in March. We may also refer to a Billing Cycle as a "Billing Period." If your Account balance has charged off, we may switch to quarterly Billing Cycles to your Account. -"Business Day" means any day in which Capital One's offices are open for the processing of payments and credits. -"Card" means any Capital One credit Card associated with your Account, which includes all renewals and substitutions. It also means any other access device for your Account we give you that allows you to obtain credit, including any Account number and any Access Check -"Cash Advance" means using the Card to obtain loans in cash or things we consider cash equivalents. Cash r 0 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. •"Fees" means charges imposed on your Account that are not based on the Annual Percentage Rates. • "Interest Charges" means any charges to your Account based on the application of Annual Percentage Rates. • "Item" means a check, draft, money order or other 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. • "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. • "Special Transfer" rneans a Transfer posted to the Special Transfer Segment of your Account and not to your purchase Segment. -"Statement" means a document or information we provide to you showing Account information including, among other things, transactions made to your Account during a Billing Cycle. We might also refer to your Statement 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 opening disclosures, subsequent disclosures, Statements and change in terms notices. t.^+ra s?7e- ?f 3Q,-?pr[aI C1r? :gip tal Orr2 +s a fer'a_rally PSgists*d serAce mark ,6411 rights tees rwr_d. RV600157 M-94488 9R 16+5892 cor =:.tsWr Ag?a ca, w • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A., CIVIL DIVISION Plaintiff VS. JOYCE M DRAPER, NO: 12-1015 Defendant 7 4F PRO THONO 2012 FEB 2 7 PM 12: 4 3 CUMBERLAND CUUNI-y PENNSYLVANIA CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that I caused a true and correct copy of Plaintiffs Complaint was served via first class United States Mail, postage prepaid on the date set forth below upon the following: KARL E. ROMINGER ESQ. 155 SOUTH HANOVER ST CARLISLE, PA 17016 Edwin A. Abrahamsen & Date: February 24, 2012 Michael F. Ratchford, Esquire Kevin J. Cummings, Esquire Attorney I.D. Nos.: 86285/209660 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 CAPITAL ONE BANK (USA), N.A. 4851 COX ROAD GLEN ALLEN, VA 23060, Plaintiff V. JOYCE M. DRPAER, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DOCKET NO.: 12-1015 U) f" '-ry Cn C:7 c= _ W NOTICE TO PLEAD TO: Capital One Bank (USA), N.A. c/o Michael F. Ratchford, Esquire EDWIN A. ABRAHAMSEN & ASSOCIATES, P.C. 120 North Keyser Avenue Scranton, Pennsylvania 18504 You are hereby notified to file a written response to the enclosed Defendants Answer to Plaintiffs Complaint and New Matter within twenty (20) days from service hereof or a judgment may be entered against you. Date: Respectfully Submitted, Rominger & Associates Karl Y. Rominger, Esquire 155 South Hanover Street Carlisle, Pennsylvania 17013 (717) 241-6070 Supreme Court ID# 81924 Attorney for Defendant CAPITAL ONE BANK (USA), N.A. 4851 COX ROAD GLEN ALLEN, VA 23060, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V. CIVIL ACTION JOYCE M. DRPAER, DOCKET NO.: 12-1015 Defendant DEFENDANT'S ANSWER TO PLAINTIFFS COMPLAINT AND NEW MATTER AND NOW, comes Joyce M. Draper, by and through her counsel, Karl E. Rominger, Esquire, and in support of her Answer, avers as follows: 1. Admitted. 2. Admitted. 3. Denied and strict proof of the same is demanded at trial. 4. Admitted. 5. Denied by way of further answers. Strict proof of same is demanded at trial. By way of further answer the document speaks for itself and to the extent any legal conclusions are to be drawn there from, no response is required. 6. Admitted in part, denied in part. Is admitted it was used. It is denied that the transactions were of all the various natures subscribed. 7. Admitted by way of further answer. Strict proof of the content of the same is demanded. 8. Is a conclusion of law and requires no answer. 9. Admitted. 10. Denied and strict proof of the breakout of the same is demanded. WHEREFORE Defendant requests judgment in her favor. NEW MATTER 11. The amount of interest charged in this case amounts to usury, is therefore illegal. 12. The penalties and fees applied when combined with the interest should be remitted because of the concept of usury. WHEREFORE Defendant requests judgment in her favor. Date: YW I Respectfully Submitted, Rominger & Associates Karl ,t. Rominger, Esquire 155 South Hanover Street Carlisle, Pennsylvania 17013 (717) 241-6070 Supreme Court ID# 81924 Attorney for Defendant CAPITAL ONE BANK (USA), N.A. 4851 COX ROAD GLEN ALLEN, VA 23060, Plaintiff V. . JOYCE M. DRPAER, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DOCKET NO.: 12-1015 CERTIFICATE OF SERVICE I, Karl E. Rominger, Esquire, certify that I this day served a copy of the within Defendant's Answer to Plaintiffs Complaint, upon the following, by depositing the same in the United States Mail, postage pre-paid, via first class delivery, addressed as follows: Michael F. Ratchford, Esquire EDWIN A. ABRAHAMSEN & ASSOCIATES, P.C. 120 North Keyser Avenue Scranton, Pennsylvania 18504 Date: ICI. C?/? ?l Respectfully Submitted, Rominger & Associates Kar . Rominger, Esquire 1 South Hanover Street Carlisle, Pennsylvania 17013 (717) 241-6070 Supreme Court ID# 81924 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF ? F CUMBERLAND COUNTY, PENNSYLVANIA 'CTO,'OTA CAPITAL ONE BANK (USA), N.A., : CIVIL DIVISION Plaintiff : VS. JOYCE M DRAPER, : NO: 12-1015 10;2 MAR 21 PM 2: 41 CUMBERLAND COUNTY PENNSYLVANIA Defendant PLAINTIFF'S REPLY TO DEFENDANT'S NEW MATTER Plaintiff, CAPITAL ONE BANK (USA), N.A., by and through its attorneys, Edwin A. Abrahamsen & Associates, replies to Defendant's New Matter as follows: 1. Denied. The allegations contained in paragraph 1 of Defendant's New Matter are conclusions of law which are deemed denied. To the extent a further response is deemed necessary, Plaintiff specifically denies the interest rate charged "amounts to usury" and/or that the interest charged was illegal. 2. Denied. The allegations contained in paragraph 2of Defendant's New Matter are conclusions of law which are deemed denied. To the extent a further response is deemed necessary, Plaintiff specifically denies the interest rate charged "amounts to usury". WHEREFORE, Plaintiff requests judgment in its favor and against Defendant, in the amount of the current delinquent balance, plus costs of suit, and any other relief the Court deems just and equitable. Respectively submitt ed, 'W&I?l By: Ed n . Abr amsen & Associates, P.C. Michael F. Ratchford, Esquire Kevin J. Cummings, Esquire Attorney I.D. Nos.: 86285/209660 120 N Keyser Avenue Scranton, PA 18504 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A., CIVIL DIVISION Plaintiff VS. JOYCE M DRAPER, NO: 12-1015 Defendant CERTIFICATE OF SERVICE I, Kevin J. Cummings, Esquire, hereby certify that I caused a true and correct copy of Plaintiff's Reply to Defendant's New Matter was served via first class United States Mail, postage prepaid on the date set forth below upon the following: KARL E. ROMINGER ESQ. 155 SOUTH HANOVER ST CARLISLE, PA 17016 Edwin A. Abrahamsen & Associates, P.C. Date: March 20, 2012 By: // ZV / Michfier t/Ratchford, Esquire Kevin J. Cummings, Esquire Attorney I.D. Nos.: 86285/209660 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510