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Home My WebLink About12-1989COMMC,NWEALTH OF PENNSYLVANIA COUR- OF COMMON PLEAS .Judicial District, County Of CUMBERLAND FROM MAGISTERIAL DISTRICT JUDGE JUDGMENT COMMON PLEAS No. aO (a- L "( C( e(Vl I 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 APP 1LANT MAG. DIST. NO. NAME OF MDJ CAPITAL ONE BANK (USA) N.A 09-3-05 HONORABLE MARK MARTIN ADDRESS t 4851 COX ROAD GLEN ALLEN VA 23060 THE CASE OF (Plaintiff) (Defendant)' DATE OF JUDGMENT 7C 03/06/12 APITAL ONE BANK (USA) N.A. ROB RT M IFF DOCKET No. SIGNATU F APPEL T OR ATT EY OR NT CV-016-12 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. If aAoell5nt wtsrlair ant (see Pa. R. C. P. D. J. No. 1001(6) in action before a Magisterial District Judge, A COMP INT MUST BE FILED within twenty (20) days after filing the NOTICE of APPEAL. Signature of Prothonotary or 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 Name of appellee(s) NOTICE OF APPEAL appellee(s), to file a complaint in this appeal (Common Pleas No. ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or attorney or agent RULE: To Name of appellee(s) , 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 JUDGMENTITRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. AOPC 312-05 -DLr' D COUNT', NSYLVANIA avw 1%169.Sb Pd att ?.k.# 1537( 12j- (9 -7 %0 (et V4 COMMONWEALTH OF PENNSYLVANIA Notice of Judgment/Transcript Civil COUNTY OF CUMBERLAND Case Mag. Dist. No: MDJ-09-3-05 MDJ Name: Honorable Mark Martin Address: 507 North York Street Mechanicsburg, PA 17055 Telephone: 717-766-4575 Attorney Michael F. Ratchford, Esq. Edwin A Abrahamsen & Assoc 120 N Keyser Ave Scranton, PA 18504-9701 Disposition Summary Docket No Plaintiff Defendant MJ-09305-CV-0000016-2012 Capital One Bank (USA) N A Robert M Reiff Capital One Bank (USA) N A V. Robert M Reiff Docket No: MJ-09305-CV-0000016-2012 Case Filed: 1/27/2012 Disposition Disposition Date Judgment for Defendant 03/06/2012 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 THE 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. 3-(G- 1a Date A? d' ham. Magisterial District Judge Mark M ?.ael?M sV Pe t l'u.R w? r artin+ certify that this is a true an correct copy o the record o the proceedings containing the judgment. Date Magisterial District Judge MDJS 315 Page 1 of 2 Printed: 03/06/2012 1: 58:50 PM niI N1ZZ Capital One Bank (USA) N A V. Robert M Reiff Participant List Private(s) Attorney Michael F. Ratchford, Esq. Edwin A Abrahamsen & Assoc 120 N Keyser Ave Scranton, PA 185049701 Plaintiff(s) Capital One Bank (USA) N A C/O Edwin A Abrahamsen & Associates P C 120 N Keyser Avenue Scranton, PA 18504 Defendant(s) Robert M Reiff 104 W Main St Apt B Mechanicsburg, PA 17055-6278 Docket No.: MJ-09305-CV-0000016-2012 MDJS 315 Page 2 of 2 Printed: 03/06/2012 1:58:50PM IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. 4851 COX ROAD GLEN ALLEN VA 23060 Plaintiff vs. ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 CIVIL ACTION NO: --I 4i 8 n?? r 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 f t 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 COMPLAINT Plaintiff, CAPITAL ONE BANK (USA), N.A. , by and through its attorneys, Edwin A. vs. ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Defendant NO: 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 Robert M Reiff (hereinafter "Defendant") is an adult individual residing at 104 W Main St Apt B Mechanicsburg PA 17055-6278. 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 2920.(See, Application attached hereto as Exhibit 11A.") 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 2920, 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 "B.") 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 "C.") 9. The Defendant last made payment on August 6, 2009. 10. The total amount due and owing the Plaintiff including interest, is $1,194.23. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $1,194.23 plus costs of suit and any other relief as the Court deems just and appropriate. Ed-%4n A. Yrahamsen & Assoc. Michael F. Ratchford, Esquire Attorney I.D. Nos.: 86285 120 North Keyser Ave. Scranton, PA 18504 mratchford@eaa-law.com Phone: 570-558-5510 Fax: 570-558-5511 VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff, CAPITAL ONE BANK (USA), N.A. , am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. I--- eyh'b'4- -A r;cx)o 15 Capital one' does credit cards-and then some! Need a home loan? A car loan? A savings account? A personal loan? Financing for graces or glasses? Capital One can handle it all_ Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. MEMBER LENDER FDIC Capita// - what's in your wallet? FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date r . $454.10 $15.00 $8.83 $0.00 - $447.93 $15.00 1 Jun. 30, 2009 May. 06, 2009 - Jun. 65, 2009 Pays S of 1 - - - - YI 4FS. ,r:kiti; HI_ Mnl:lai Visa Platinum Account 4121-7415 8 352-28 20 , Your Account Information TOTALCREDITLINE ,+?CtoO TOTAI A`JAILARI -F(,RFL)IT 5.2.o/ i CREDIT I_INF FOR CASH ?w?DQf)O AVAiLABLF CRFDIT FOR CASH $52.01 Finance Charges iPleese> e ?; erse Orr mlorrant in, analixil Balanlx gale Fetiaii;: CollesVw Jug FINANCE a[plled to we APR CHARGE Purchase:, 5454 03 00621A': D 22 ?0!', S8 R, Ca;:li 5000 0176822% D ?' qP,b SCtA) i ANNUAL. PERCENTAGE RATE applied this period: 229M. i - - -- -------- - -- At Your Semce-Gfo r+w..irhtre apt .ar y a nwd, ur Gi ^. !100 '{'? 31:3! b r b,t of slchn a. x aroaA to r.v Inlnar Rrhl, ^.S ® Pay Online at vnra carvtabnr cum o; oral row p?yirF.?l Iv. Capilal One Bask (USA), N A • F.O 13, 11 3 • Chrebtlc, NC 282?2 10°3 ® Send Inquiries to: Crp!Oal Grs• F.O. BIx 30't65 • Salt Lake ON, UT 84130 0265 Have a question about a charge on your statement? Please refer to 16e Billing Rigfrts Summary al the tm,+, o` your sta:Wner'! or vi.cil v** adalone r„midinou es Payments,-Credits & Adjustments S 18 N'A.Y PAYN..FN? - - ----- - P, ?J - PITASI=RETURN PORI ION BELOW WITH PAYMENTOR 106 ON TO WWW.CAPffA1.ONE.COM TO MAKt YOUR PAYMENION[ NE. 1 4121741583522920 05 0447930015000015005 Account Number: 4121-7415-3352-2920 Due Date New Balance Minimum Payment Amount Enclosed Jun. 30. 2009 (- $447.93 11 1 $15.00 \ ?I PlfASE PAY AT LEAST THIS ANSOIINT #9015779546849970# ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG, PA 17055-6278 (r(rrnrllllrlrrllrllllllll'Cllr,J.1,1111,111llllll'IllIII'I1II Lend a hand. Save the land. Manage your account online today- iYs fast, easy and secure. 8 Pay online anytime-no more checks, stamps or clutter 0 Moving? Change your address online or on the hack. ® Help save the planet-Go paperless. V Sign up at -,capdalone.com. Capital One Bank (USA), N A P.0 Box 71063 Charlotte, NC 28272-1083 IIIIIPrlllr,IIId II-IIIII, l.,Illlhrrllrl-lllrll-rllllllll'iul Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. g A quick glance at what Capital One can do or you. Home Loans Refinance your existing mortgage or purchase a new honer`. Auto Loans Buy a new or used car, or refinance the one you already have. Banking free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Braces, laser eye surgery, and more--we can bring medical costs into focus! Visit capitalone.com to learn more! PiOCUCIs and -,yv c5 „fle,M by the Capital One family of companies, including Capital One Bank (U5A1, N.A_ and Caonal Ore, N A., mein bas FDIC. _..I r)- - +{",d I I,.:-in, Lod '_wa:'Cy:.'rho; C p; O- i. •, d-urt, o Avn o Finer o:hargn. Y .: it „ n rrr'ce leri",A • von I nt.'.. 1,u 9e _r pa n port as I,- 11. 'f e and te, 1 t P ! ill lN'itref 'p i; ' , :. Iux,f :t by Yrnr parmm?2 . ?sp,c r,.Ir are. tvr..h • -Mil", the , agog 1. n.. I-, n,rhl h. Ac Cn.req F- ... Cna 9 .. .. .,. ti: r s Arch , ad r :f•jci lea yr: lce f •t'. =3S ?Ir-`Seri firanC."Chunub '•_ ..u.r Vr „I;;f it e, r. - f-. he J.4, Ift, .1 4, 11 fn_,.,: x.e. r V,11. At:i;,t;nl or 3l from Iha .. -';IC .. ,. t . ;r xt hlll'r.N I .It'd- Ad.^.]Ito Ily d t .'A pay It,, T.,.. Sale-e: it,,, t e pin'. i;>te I 1 Ilin,. p r,dl bill, (ir. ..'hares 1-1 ute It,--,.olio .: r{ -.. ela,._ unlit doe ,! r..iu Ixrla!,ue is paid in I -l r. r n that ,.. nr,:y It'll •r'. fI. o h ge<, ?n rl y.x {ay lhae 0nNa': Palen-e tn_iCa1,X, .n'Ihe ^f M V-xrr sletc--f hg the fxrynwd ::- little. but did :. r tl:: ,.: for the Ix?1•iix.s nxx lh. Unpaid fir:nnce cb-o"s ]:.Oec 1., the af'Vhc J.1 I cf 7,- ACCOUnf 1 e.G in Finance Ch.- F: each hitting traded Iha] n.;c I r, :ri,jHCl to f 1 ..oath ,'lea ' u, ha d FINANCF PHARCF 1$050 w.Vb I ode d. Tenrpurar r Red-1-I' n F inance Char gas. ^ye,eser,e ' the right to not asse.+s yo,y I:i all fin"-:.hares Inc any I -we, billing pnno.^.. Avmaga ".dy Bar.nce (lnduding New Pun:hrises) F,r?,-chance is ^ak,lalad byitluNipiYing the.^'afly t 1: i -I d- I f Y ' 1 i I 1 h p Ilo-le" .r 1 1n . I i; the --f-da-g . V,niudit: cad i le. Ifal - b I p ry dl,dese. In V- At 10_rn or -h Vnul I" fed. x. rpl 1!1e oiy pa" "e" "l for-11 -ooorl g I-d• ly r.l react' al. I .11t fll Iilln-4 +d rep Ih o,uHs of ju0.roly 'a-, al pv5 fo;:IC tit+.v,ca glta ue lot uwcti segrrroi it. Y: e add up the HS fr., 1, eg t t at tY 1 5 1 p . all U n::h anfxyl,r ...u,1. , 7 get bdlar.Lfor ...h seer novel -.(jour - -fi... a take III,, tw,gln^my bah.., fo, tacit sagn-I and aid eny nely lrensscligts ,d any pirbdtc fli-, charge calnileing on Iha 1-l-, •'s bale,,. for that ,ai;_,I W. then subtract any payloads or ca:ls Poslno as of that day tht.,..Vocal. in lhal 'N -1 This "w.s it, Iha separate dairy balance px each segreer4 of your acc;e,r,l. Howevu, if you paid the N-- Balance sl:n:n`. Ut ylx,t IlreVieus 161eranl kn felt ;or if your newe balance Wan tau, u, a Cradl --ai nIT? Iransactkx,s, vfikv. post ti, y our pur..hase or special Vurdhase seanuM<_ uric not added la thu gaily balances W. cairnBale the -ac- "'illy balance by edij, a all the doily balances tua,lher'anIt drvi::ing Ih. sum by We n':'rb" of the 'jay's to Il. cunal,t hlHing cycle- To untculale your lot.f at' wee chrr-. for iy yn:r ayo,ag. dairy holar- M ins dally perl etc rte and h+! Ihn number of drr•s in the Mufti patied- 1--, to r undina on a daily Iasi, or due to rinimum flauee Chace ac: es-oA. there -1 11 a varia+no:e betrvaan IN, calrulatlrx, and the Bnrounl ul Mange chargn aNUapy assess d :t. An lout Pte'-olaq R tas (APR). ?r 1. 'IP 1 0 Rai,' -y aV pe'+r a, 'AP R" It (-it ;h t i b. 11 fill' 11 P . 11d) P u L' tel ly UHURI C i.eadxly i.D; .. is-kcstrd Prlr,e)af'VeurS,nt In, f!.n,l gr this stel.l rx t cast In the Ir .r'fC !al-*, the. txai ,die rtes a11::omr.pnn:'u,g ANNt [At PF. i FN-A -,F 4A'F m.+y ..n• uert ri • aN may W,coed so nr de,, a- tr..<cn rh t 1 II f Y-l Tt V, II .1-1-t 1o:mdl. tare f I 17 it f v i-My des -I 0 t,, pose. T' - Ch: H be 0-five rn Ih first •tey of yrw 1'!ling p r ovate.; by your purl-it; sial:lrrar,l a nd ng h' the amlh.<of lar.u,ay. Ati J.N. and oa,dx+r C- If Ilse C-e n iT,loothN Prirmj. F Welthry I IRI:R, Or I, ,Treasu+y UPUR. ii - r 1-o the Brno oil yen r lululnar t -t to tha pe+to;.!n raters the periodic .I., tA.In ., aspendn,g ANNUL P ERCEN A: E RA-F: noy vary n n1'Ahly oral may croon sae-.1acreos. based ?,n tip slated In;.IC.s. as fa. red in TYn>'A'all .^>Iral J:,un,al. f•L:s the r f 'x ly drs1osu1 Ity h. g - Ht- alf-the I,, We flrsl day of your bdht g Iwdno -1, inns H, 4. A sassrrent or I a OvndimH and RMuniad Payment Fees lender IN terms of yauf c -1 amrx I..m cos) th M1o,' 1-:x rot] jro?S VllY•,d Pit. li ulic.lion Ir -ou w:1ti-I nom- rn.r neht In as,. r-ns ;ire same e srrn]a, toes at a lal. Ikea 5 Ni-b-hip Fee and Removing Your Attuoa Ir a -Ibe ship fee appears cx1 *,,Is stalanuM. y.++,nit credit that fee H you r.x;l:esl to close ya:r ac..^.c,unl>„'.Mhin 's0 SaYS M Iha -fling of this sralarreid. Yw -Y conlinr.:e to use Ihn ^-ourl dud,,g the ND&V period hofore your reyu-t. Ify:,u do ool pay .11 chem. coved on this -_-0 with in DO d or If- use Y., credit acrd nr. 1 H.r ya, raor.,.<t In la -, 4-hip tee prev N iv,d rr:y be n. teled 1 y accounl o. Closing Suspending Your Account or. trey rr;u,st that y our 1 be close] it, calbrg or rMtiog x+r u. racial RelaHre's Lap.th i AI the tine 4 yeo, ro..r.asl .,. ,All pro•'kia you ,ilh addition.) details on cl I p j'tur relit. Tics orgy r,Grna payment into mile If Y- Use you a Wit ca,., o, charges post to you, uucuLnl afle. yu: ask us le d- your accountu we cat' keep your ac A of ar or Ieopar! n. Via slay doss or srspold your ao:ou •t art yon, right to obtain cradle We -1 do this at r.,y firre and for try 1-r!. -el Hy- a,. root In tlof.utl. A=usly.n?ion of yutr -C.rt caul be pon-•nerl I. tango any. H your acc Boll is rlosnd of s-pande I. you crust slop using your :'rWit can: end arcoort You null also r..ncel all peauthorl,.A billing snar'•garrents to Mr, -,ount IN. will not do This for ya;. If a Clrrte or ri-nnrlly suspend ya:r accounl, you must also destroy all rmrkl earns and -o-1 across cl;e ka. Yu, Host still pay ail aru>unk< ym:.+'t_• it,, wl the account, ours, H they etrare charged nN., your acquit is 0-d u sus1-1W 7 M1takin511 Pay. it. Payments ym ma11 to us ,111 be creelHe^. to your oxouri as 11 the Iusiness 'lay r.z r calve 1, provided (t j ye. sold the b.11- pinion M this slalame,t erd V., cl-It I,, the .,M.,.d 1alithri- erwelope sod (2) your paymanl is mceiyad In our processing center by 5prr ET 02 noon F1 j- Flcaso alleny at I...I five i5) businoss toyc for post.] ^alivrry. Poyrrenls r-ed by u, al any oIbrer I-Iion o, in m,y, olpar form orav not too cradbted es d the day wove receive them rt business days ore Mon-ay Ihr..ugh 8 Not re Abeu; 1 1 c 2h-1, C x! o r f f ).. ', 1 k 11 ke -lr•'x, .i'Yrr, kind f- r 'rl..[n tee t' it, h. f 411-1 a it J-1, hang ,ctt ! ,N-e. e: rd,xnx'.kan. w honr;wr:hl -A to nlak. cr vhzb'x i. fuhd r :f r,( i t"'hl'l ( 'ex :i f fh-, s?.?n.•J trf ayr n,rL ? .;ill( c.r .ayx.r ?.Y,rl.ha..A dui:: asflr:]ncr:.l r sb(.I i:x. .:: ?.Ih:rn 'a l: t-!I, lh-^al.:r fi,•, ..,.L. •f , ...:te neviwd< 9. Aar k•upl y. If t tt,n to book, uptcy IxAe^bors I.:I y :c t th r 11 :,h, f1 al I .rl. , c d r net ; .•ntrruw 10 ,.dt:?. a .. . , .? .,M x:.lar, t)..t V im- „y1 ,-IS Mir 1, :. utithuul spduK y wA xtr but kruprey atl;x! i'•• .x then Rarkr?lx ,coat p..ex : U : unto. l s about y.?:! a. nt ,rt nnkn:)f' y,X.',a,ding pl.. Ite• •f.Y:f (PILL IN,7R0.H M1d1.Ak. 1 a ., It Fn k' rX t t' Pill fVa. think, u, hill,, sn ,r H,o.!,•nirorct ixmal!n, o, co, I.ansa:.YW MII lotto 1 a "p -le M _l as po,.uli. el Ill. aodlsl f 1 - ha ih, half Ithrs 'Ialarnert IV, r r:s f.,ar I- y.x ro tale' It I M era's an„ oil ylx, th, fist ':ill Dr w.fiich the It- or problem aptean;tl. Call out Cuslorre, Relations ourtlbar ei nolir! us by ..mall or w' A-6I. M:1 ding so a01 carol preserve Vour .9111, ire your Irmo ? a u5 the f;,gc.WinG h1eirnafiln: yer, Hama and account ouilb- the dull", arn?a:nl If the suspn Yed cart. r: 0-ri"br,fth' D and 1 pl 1- Tpo IMe. A t yut believe (here. is n nmr; 0 H Yo a r[ re n tun f o t mpf ref M. tlemy x. z r ar d Y '1 h ?I, r y nxr rd n .. do ' h le . - - figitt y t you 6,e 'Mill a I I,p,w we ly- 1,01H I r.. no, y t Vhl- - k 11' 1 V ,,li -,col reV,rl ! ri, _ali',r yr I nr fr*e err actin, M C,II_d tun --r1 questlrnn. t.f '-1R1 f C-151 'P' t s - Ily.x.hit"a-fnh4.r s.itt the IU..Ir, :f pron't/,r -Cel that you purchased 1,01I a crWlt card .and you have bled it good faith to Curti the {minor. v lh the merchant, you r.ey ha'e it n right not It, pay the mr alni„g ani .^.ua on the propndy or s Yau have this pl/ullion only 1.4-1 the purchase price fe han$5000 and the I.-tasa-s rra^.a in Yoor home slate u vAthln 100 riles of yid rnailinu oddrass_ (if wro it or operate the nreehant, or, if -mailed you the od•,enisenwri for the proparN or s''xvices. Of purh.s- are .rw rrexl rauirrllrt_<s of all jol nr location A 1-hase'I Plus- er carol., to slot; all ::IVteslx'nder n;a t 14:,.s nn f 3P,n'y! :s,si ".- "', Capital One suppods infon,ell.n privacy pmtediu,: ;,sa n,r V':ehsle e,I w:rely ,aefaleri tom Capital One is a fedarally registered -yilw rack of Capital ', one Fr,arCorpualra, Ali tights !.served- ? 2O08 .Goblet Ore - 1 - rj'-nlrc Changing Address? Not quite ready to make payments online? Address .......................................................................................... No problem. Follow these simple steps to make sure ........................................................................................... we process your payments smoothly: Home Phone --_..............................._....._..........-................................... Q Don't staple or paper clip your check to the payment slip. Alternate Phone. Be sure to use the payment envelope that came with your E-mail statement. Using a different envelope could delay processing. Address -..._____._._........... __.--------- ........... _.._..._ ................ Please don't include any additional correspondence. Please rint address or hone number chan es abov i bl bl k i k • Last but not least, be sure to write your 16-digit account p p g e us ng ue or ac n . number on your check. Why open a Direct Banking account? Because it's online, we offer higher rates than traditional branch banks do on many accounts- • Get the growth and convenience of saving money online • FDIC deposit insurance increased to $250,000 (through 12/31/13) • Convenient 2417 account access MEMBER Capital FDIC www.capitalonedirect.com 50U300 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date } X147 93 $1b GO $8.72 50,00 =1 $441.65 $15.0 Jul. 31.2009 Jun. 06, 20D9 -- Jui. Do, 2D'9 Page 1 of 1 Visa Platinum Account 4121-74168352.2920 Your Account Information TOTAL CREDI' LINE T4AX1.00 TOTAL A`:AIIART F!:F'FDIT $,7,836 C'RFOiT 1 INF F,- ?R (-,ASI-i (X) ii A'JAUARI F CREDIT F,.-,R CASH $58.35 Finance Charges Flee: s•e rtirerae for Irn,,oi and it ana!ion) Ralamx late Frria3ir: Caresp%il13ng FINANCE ii a-oiied tD rate AFR CHARGE Purchases ;4w>2g OLMi2i?°': D 229r?`; 5811 i ^.ash S1 GO 0 L1F S2 2% 0 24 19096 Sow ANNUAL PERCENTAGE RATE applied this period: 2298% Q At Your Service - G to avas? ?araiahne gun I: rlasen.: v:.or acmam, ur c:1 ? ;YI)-{:3 :z3; it rn!?t a k',sf n: skRn ^.ar^ nr ?ix;ak to Cuslenkr nak,r? 0 Pay Online at y ira, ca?itaL ne c ;ri o: rnal vout ren-L Vs_ CupiL--I One P:rnv(u Wri NA-P. O. 8cx IttNT-Cr•.a,bue, NC 28272-108; ® Send Inquiries to: (amid 0,e- P 0 Bye :W2et - Sat Lake Oty I;T e, 41 G025S Have a question about a charge on your statement? Please iefH to the RIIFng Riyfl? ..":urtimafy a• the t<a?: o` yatr starvnesd a nisi! ?yww raa!3lurle c-orl hi6a11es Pt FAST IAI IFacT -HI'. 11,111nI Payments, Credits & Adjustments 1 ?3 CN FA ! 'F.?T - -- 1 ,yJ '??sut a s;r ret way to ode yr>tn rloury? At Calilal One Direct Ei?'+rrkiny onl a:.r lints Ile onlite - ao we iu?..? rile satyr 7?ur to you M11 hlghH ifrt"ea:'h3n'Iadi:iorral Naor:h back= A'rd III Of a,j 1,9S Ile. Li, ty the .,miry of FD.?? irzurarce. Learn r)oie at cap'.al(xl:,irect corn PLEASE RETURN PORTION BELOW WITH PAYMI_NT OR 10G ON 10 WWW.CAPIFALONE.COM W MAKE. YOUR PAYMEN1 ONLINE_ 1 4121741583522920 05 0441650015000015005 Account Number: 4121-7415-8352-2920 Due Date New Balance Minimum Payment Amount Enclosed Jul. 31, 2009 $441.65 $15.00 \ i , - - ----- -- - ----- -- - ----- ------------------ ------------- -- - - --------- - PIFASF PAYAT LFAST THIS AMOUNT #9018879546849975# ROBERT M REIFF 104 W MAIN ST APT B MEC8ANICSSURG, PA 17055-6278 IIIIIJIIIII'Il'Illll'I'III"''I"II'IIIIIIIIIIIIIIIII'Illlllrllr Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. Pay online anytime-no more checks, stamps or clutter. 0 Moving? Change your address onhnc or on the back - ® Help save the planet--Go papedess. Sign up at www.capitalone.com. Capital One Bank (USA). N A P O Box 71083 Charlotte, NC 28272-1053 nlllll'InrrllllllllrllllHlrrllnllrrll'I'lllrll"IIIIiIII'INI Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. What is Cap -N-d One" Direct Banking? Conden;ent :+rd 'sc?? are certificates of deposit, money rnarket and higher -interest savings ii ir.- Since you are bcfn4 ny "directly" with us, we can often offer higher money market and swings account rates than traditional branch banks. How do I know my money is safe? Unlike some irvc?5I -lent options, your Capital One Direct Banking account is federally insured cy lklc' FDIC. For more information about how FDIC insurance protecis your savings, visit www.fdicgov. www.capitalonedirect.com 1 hest prodcfts and services are offered by Capital One Bark (USA). N.A.. and capital One, N-A., members i DK. 'E) 2009 Capital One. All rights reserved. Hau to Avoid n Finance Charge a CA erind ` .,. .. r • n glcia pexiln: .' _?Y,.•,Iha+l Min.,. p iI_n.•.'. balar::.e lran.fa,s, no..r p.xral pact ales and e+ om.,x .eg:. it il- p.!, I, ur l ,tal "Ne FB Jal a m lift lie 11,-f ,et N,I w. r•r payee rt°. b I,rem :' it li,+; l-: t 1, IVY yUUI laynlr;nl J? o::al - h a., is ., y :. ? ye+i•1d 0 sY ad,arc,n ntl sp,. .:1 u:u' !r - ..lc , tt,;;n, , U n, ace paring ir,o,. 11 n„i I.:' It, t+lzl w Bolan e Ir. Acc-og Fuanro ?e.'., se•I., uli.h a, n.,l S uLleCt 1. :,rice l""1 , a ..N;sed lr arc-e charpa 11 ham the li•I .ftt -, ha _ Irom the late the; tran..acl UL y",rA •c I,x n•.To, the filsl cola. _er:lel .x al h~ . 4 h 4h.g rai:b. A,dgii{;,nalhl, nyrs.d rr+ pay lhn' I.a.,,-aL„re fmnthe;-eus till- wnd er fun. IiI'.n"-L rhurges-A us to n.;;u:•to , nipe'.' III Inpaid halo,..:. i, paid in Iun.I-t is -p s !hat yn , ma y suit are fiat ..c .;hitgq- „en if yes pay the ail,. Neu Ralance tuulealai or. the Will of 1001 slatunent by the payn'.. d ;:ue 601. 111 JId nul de 11 r1l the Irv,i?x,s -11!. ! ilnpold 111.0.1,1 chal g,;s --dud b the aWlic l- t't y,tr A•,`Jnllt. c. RMnimum F-1- Ch a ... e,..t hlixtil retrial ywI 9: CJUrI is sub7eC11, (Ills..,.. „h?rge, B rip( arum tcdal FINANCE rHARGF .1 T.7, 5n will ha inl.-d! d. TLrrlporay Redudkin in Finance Charges We reserve the rights ,7 sled s?v or all 5^ai c_.h,:l_.,.. fr s,y Ji-, billing period-' 1. Average rkrfly Ha{ance ondudrng New Pumil- as) F e charge is I I loc by Iliply g l ty bat-co i -l -eg 11 f y - 1 t .p n. ha .a spq. I I s fer err-d .,pa,•iul p!.,.,h"f s . by the cares V-d.I; dal,, poliodic taleisl that has been preyk-ty tlilrlose•f Ir` y0,- Af the end of each Jay durlro the b(King pad,;:, ¢w appal, the auily pen-l: ralc fear -r s,:lr,a,l of Your account I:, me .:.Hill baalanca of TIci o• nonl TI ' I tt .n If it hll ,g fer!uc: we ,'Jd rip the r°suls d It_:. an ll_0ah0 to enive at ywr periodic nnerce chan:o fu1 Hach sa ;•nerd_ W o add up the r-A., fain, i h saran-I to ardre al the Idol pence.!"' fina.ce::harye f0 Y;nu a i-t To gel the daily batau::e for 11 5a9ment of y,,:l.ace,n:nt. .+, take Iha txaainni„g bal PJ;Ce for uarh sznma,t ar;i oral any now IrerseCliO, s ,d arry periodic nna err nC , Ch age ca M:ulaled on Ile IsCVious day's balance for that _cmunl Wo Ihan -HiRcl any paVnii of cn::lls Palle` a5 ,f that dal' that ac-. all xata: In fhat segnont Tits Ti- , u5 iha srapaate ;:any balart.e for each segrna`I ul your u::cwrl. H-1a, It yes paid the Now Balance £now. 01 Vaal previous stalsrenl in full Au it yrr0n new tsil-. urns zees oI a credit am?I:np, nay Irensaclbns, a'A,i&, p0.t to your purchase c,r spacial purchase -gruents are not 4d d le W. daily bolal-zTs. We 2calctlale the c,.% dully balance by adding all We :tally b, air s Ic•auther and dwicino the sum by Itle number of the days In Iha - rent billoi cycle- T. cal.' tale Your lelal 11i-- charger, rUMIpIY V- overage daily balance by the dairy, periodic rate and by the nun'Anr ofd. /s In file billing paI r- to mating Un a .:.all, tress o1 duo to r8,!murri f nisi charge assessna d, Irene pray ha o -varence beh-on this Celruldf0, aid the annunl :r nna 1c. chage aclually ass-d. ..1 Annual Per-niago Rates (APRf 'tie Ienn 'Fnnua; Purcenlau, R, n," r-:ay p l-, i,n the fro I of this stele, aril b If the c,d, IT ;-te,fy P„ ter I ::nfndy l -IF_-,RI. C f',tion.ly CL• ,Barkcemr nej appea•s'n•Ih.rn.nl of II I f f 1 ail In the p t '=_i, W. p lain ruf .: aI! ce., a {UI:ny ANNI Al rF.I.FN rF 5A'FS -1 ry,:u:aterly'a 1- '1 h _ -,r d,.., : -h?..an ,in the Stated iii c, feur d 1 T,. N':,11 SII I -.0.m,al_ Phis the riarcin I-i-1V diS.ll'.ed Ice Yrs:_ Ili-, Che lugs rill bb urtethve I,, II 1 'I t-iij 'i'm I llhrg Putrid lhr i"loo f' "J 1I 1-ding f'Iha r-x nlhs of Ja- Y. A40, Jury id I_ II Ilse c1c, O,vwnll'ity Prilwi F IMnrlhty I IF:;Ri, f, 'Treasury 116uR. 1 P- the hU" .A your Aillo., t ezt In W. pet, ' lads r it 4 U.: rains :rid c iespondn•a ANNUAL PFRCFNTAGF RA'E t a,y nnlhlY and nay Iccree-.11 docmaso bas ?.^. en rho staled ,Ices as farad ill The Wcn SI A 1' ,mot pit Ill r,a gin I-i io-h, dls loses le Y l e„e Ch r.:J .S al he erteclfve nn the Net day of y0!1 billing podoe axh mwth A. A sessnent o/ late, Oraninlf and Returned Pay.-I Feae Ilntler the halms f y.", cus6,r: n hie lire rigid 1. whine i, IMI f" IIt',A t•d ,lit,. alien to y x, wilho 1 -J,kic ., ,iAot L -- •..as file same 0 sunilar feces at a Iota L•ma. O. Akarubership Fee aid R..-In. Youl Accu+lnt. If a -Aled,fii fee appeals :n this sra1--it. w rill 11"if the too If "u ra,,uest to clew Yp:r Xc,u d MIhin?1V, cays of the aaillrg ul this'Wo, a.1 Yr+; mt-iy? cu dime In Lse me - w,,1 during the,! dW paixi before your ro,u-t Ifyou J. nA pay all chalyes owed an this a:;cuu',7 vriui In OO days, ,r ,,If V- use y:wr cre(At card or ac :curl annf - rmr cell to c;- eiiy inanbership fer, previ .:dry waived rr,ay bz nstolad 1., Vc+:r accou,t. F Chasing w Suspending Your Account. You nEy ocu-I that Ywr .-is 1 be closed by culling :n writing 001 n-fomer Rolalluris C apcdneltt N the lime of 1-, Ieq,: 1 .. Vitt pni you :Alb addliin.I dolafls ,n closing your ..,,.wn1. TNs -Y mck.de pevment wfen'an, If you i;sa "'laid can: I c-heryes post I, your a:: A nll? yur ask us In lase yea' a-nf, - can kzup Your a?c:UM Oyer. a rr,apai It, Vva may cruise err s-pai y0:1 .-curl a:,i your 11ahf R• Wain Clerk W. ray do fill at ally Ill- and I. 'cry reason. -on if you ao net in defoun. A suspamion :,1 yalr 0rn1 ca, be pexrwnal a h;nyorarIl tt ywr account Is ab'seil (rsuspendud. yes first slop using you ,.y etl,I can: and accorn,f. You null also Cal all rrea,Ahi bitting atiangainents b IT. acCC,u 11, IN. will I1.1 an this fur ya.'. If a closer parrsanenfly 6nstli yonr accwnt, V(+: nwsl eel=, do fti all rrzdit cad; ano account across cY must still pay all an" yes ewe, us on mo aa:ount. eye, If they wore chargod aver y0,r ..c.l.uni I, clused cr suspoidhfo. T Making Pa"lents. Pa[menls Yo: mail to us will he cr(dh- to your ac-l in A the Iwsiness day aw n-ve it, provide: ,11 you said the honour pontoon of this =lalanela and ywr chock in me arclased -Athiiii- envei;>F,s, and i21 Y,." pay-1 is fecolii In nut rxocessirg "'ardor by 3p,, ET - noon F-,. Fine,. allay .1least rive 15j r-,- (lay` f0 poslal c.iWary. Poyrwnls li.avt ll by IIZ a} any other Inner- or in any other farm net rid be Crutlnai ns M the Hay -.-I,. them.:.ur li- n,:ss days to Mati though 6 Niu- About F.1- -- r'heck Cx- Aida, 1.. Y, I( I r 4 i 1 "' :dlerh ,foraJlx IIn ::P Lt Wfae0..I,o -•I(+:tt-r fun" rice,, fey t , i, p 1 .:iN rx 11, •he p:. .nla .hc kIII ... ,f.,n s,Mor l , rcl ,, k ti--u . _t ,l fni ::foie ! I. ',3y be u.lihd<.::.1 f i. HT', U d. ' e, i - , I'; nc, I'x xlct kh.k r.:s?I r-. .f.l 0stih:l is-+. .,nth0 li; h. Ill, -. h• -x ti,, u, ?,_^k. `N?rrlle::t+ I ,?v?,.r_v, Ily 1 :; 1:-I rend.:: o. Rank,upky_ tf y,ru eo 1141...: t, . ,1k .fir xnL,A, ,s rnr . l this :I, c.t:.x r ly f :I, wi l.at,? .,. •• iahl W, r' -A ran. any ru+., a l n I, - I,:s ..11--t".4i,g .•M!;+. yakaptc• II xmu• P.crk,plcy i .it If ycu -1 I -TI., I t ??I you: all n?'•y ":nrun.l us. 1 RI11JN, RI1,H?S SUMMARY 1 of E u "fi 0, 1 it If Yru mink l,,ur bill is vmng. c, 'f Y, .,j 'I r-L )n. i 1.,,nkYt:,r , 'I a:tic. or hifl smla m„ nr a saga 1, It -t as srrx ,] ll,liIYB aI IM1e ag(Imss for Ingnfnes sho„rr. in tl;e nu,,t of rl "et:,•I;Unf Vr'e n,uSI ilea imm V- n , lAu, Ina.; i1 days ;;itaA 'rFsell yI th,3 nisi},III,I. .fiicfi me,:n(ror pn?ld;:m a.{'aril. - .::ell cur Cuslix+ur R.Wlens nunbrr rn .!Arai I, !w lvnatl Ix vmbsile but doing so a'rili Ice±1 preserve yo„I iigf:ts in ya r l It s the fan nu Into-l y .ace : Jgdl i,r. th dll -x'114 the ii-pi a do-.rnptlon flh':.o-li.dcin xkla.al,w,it pus, t le :X?.ty you belm-Ihare Is an ool. e, 9Vun nee:: IT— infrrn Mallon. 1 - pnc•n of ill Ilarn Van eat 1 / o n.l h-c-tn { - iy unxn d n alolbo h'te era -Ilq- 14,u ill but 5'oI, ale sill obi-haled to pate the reds oryi- bill that are n.,t ,n qu: t n.`Nhle wen Vest go-1 Vwr ues6 of r,fI A x a. :uhl nu-4 or Iako s„ ai t, cnloll ?to c z..rt y n. quastiUn t SroN f Rule 1(x Cm_dd Cani Purcheyw,a tf 5'-n' hP.`+e a problem s'.rth the qu Elify rd p.,l>anr nr sssvi: es ,hat you 4Urchas,v1. yAlh a credit cold a:d ynu haver litetl ill, good fanh to cormcl it. pfut lem.'rim the niarchm,t, You rev have Iha lght not to pry the mrtelnlng amwnl doe on the preped, rr r. .s Ii., h". IN, praeclfon enri, afron the [++,uhase price -s ;l- $5r, Or, and Iha. p-O.SO source. II You home srhfU a vAthhl I W IIF s of Y,- inuilh,g addrss_ (If r;? vn er ,paale the n,arrhanl, rx if we malted you 4,e advatisoraeM for the propary or services, zit purchases of. oral mganlais of ama:nl 0 bcalion d 1.11hase 1 F41 I.; noniontx,r to lion all ::?•rt6sf0++ndalca. t lwa;r. ;W 3pp'Y Fa :a rrlr,ass ace a; r,?rs '.appal Coo supp,ds Ine-fen prvacy ton. f0n ?aa 0;r •.y0511e "t I.1-. ceollala,e• -nn Capliol One is a federally registered su ile perk of r:apilul Cure Flnarlnal Clrpule lal_ Al right --ld. P, 2006 Carnal One .1 Changing Address? Not quite ready to make payments online? Address ........................................................................................... No problem. Follow these simple steps to make sure ........................................................................................... we e process your payments smoothly: Home Phone --------- ._.-._---..__ ............ . Q Don't staple or paper clip your check to the payment slip. Alternate Phone ...................................... ................................................... Be sure to use the payment envelope that came with you E-mail ee statement. Using a different envelope could delay processing. Address --- ....................__..__...._............................_ Please don't include any additional correspondence. Please print address or phone number chan es above usin blu bl k i k • Last but not least, be sure to write your 1 5-digit account g g e or ac n . number on your check. o__::?lfO?'1?'3?_ -hat's-yourwatletl It could happen to anyone. Make sure you pay the amount ROBERTM REIFF due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES ' behind SETTER INTEREST RATES 11-y I (good credit could mean lower interest rates) • payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) (c) W0 f -a;,i"I CJnr. (-,J it d 0-- , I'd-!!y ,,, ri,r rrr,,,k. all n;,14- , -?,d, FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Due Date $441.65 $0.00 + $8.55 1I $68.00 $518.20 Aug. 31, 2009 Ju!. 07, 2009 - Aug. 05; 2009 Page 1 of 1 Visa Platinum Account 4121 -7415 8 352-29 20 Your Account Information TOTAL CREDIT LINE $boo.00 TOTAL A`lAII API. F CRFDIT $0, DO) CRFDIT I.INF FOR (,ASH $500.00 AVAILABLE CRFDIT FOR CASH $0.00 i' Finance Charges (Please tee rwetse for Impotent it tama;itxr) Ba!anee:ate Petiodi,: .^„xles:xmsrjg FINANCE appiied to rate APR CHARGE Puud e.es 5454 46 0 0627 4"< D 22 IKP% S8 55 Cash 30 DO 0 0692'1% D 24 XW, SO 00 ANNUAL PERCENTAGE RATE applied this period: 2290% i Q At Your Service - Go la, f.+m cadt??e cctr lo!^sra:; v a. owq, or Cal 1 ??9 rC? 363! kre:-^'i 2 bsI ?: slchr as c or ;yak to Castanet Rehli;ns 0 Pay Online at ymi caeiral); c91t or coal _-- Faymenl t.;. Capttel Cos Ban, (USAF N A P O rte 71,T3 oti,rnuE, HC 28272 toes 9 Send Inquiries to: Cacital Ore- PA D?x 3028` - Sal Lake qty UT R, 41 0M.t "haponar.i Notice' YCN)t'r, D" W was Pas: due. Unt#s the terns we preskX1,ly :isClaseel io yDn it y,cu acrxnnr is pas ;4:e n twin in the-::est 12 billing ::yrles yow Anneal Fwc nl;._1e Rain IA,FRs? rra?r inaea_e Payments, Credits & Adjustments Transactions 1 31 JUI- PAST ,41E FFE - -------------- iX1 -- 2 D5 AUG CAP" AI Ot.F MFN!BER FF,F ? ? tx) Yorr aurotmt has gone over its kiwi' limit _o avoid addtiona( warllmit fees, you ;hmld pay mae than ;he Ihinimum PaYrleta Please pay nroluth .O ing you ac::amt 5alam.:r. rxJ.n?a you aerit limit wiriedlately. and make sane ya,r rrcau,t balanr, terrains Ix4oc t, your creti, limi+ Please be 1,ne he amain- you pay accomts `(A any Ttme pumha es fees ar d tta,,Ce Charges You were ass e-sed a pas' doe fee because your minimum payment was not received by the the daie `c avoid this e it the t p ure we. recommend that yar allay at 1_ast 7 ousines, may; fa yon ru rtnnm paymen. to reach Ctiotal Ore M Have a question about a charge on your statement? Please refer to The Billing Rights Summary oti the had: o' you starwlKe or vi it wwr? 'aoitalune Cumfdspuwes ElIAS1 RETURN PORTION BELOW WITH PAYMENTOft IOG ON TO WWW.('API[AT ONE.CO M TO MAKE YOUR PAYMENI ONLINE - 1 4121741583522920 05 0518200015000070009 Account Number: 4121-7415-8352-2920 Lend a hand. Save the land. New Balance Minimum Payment Amount Enclosed Manage your account online today- $51$.20 $70 00 it's fast, easy and secure. Pay onhnc anyt me-no more ,-hocks, stac,p, or clutter. ?S' \ 0 Moving? Change your address onhnc or on the hack. ® Help save the planet-Go papcdcss. #902187954684997D# O Sign up at w-capitalone.com. ROBERT M REIFF 104 W MAIN ST APT B Capital One Bank (USA), N A- MECHANICSBURG, PA 17055-6278 P 0- Box 71083 I , „ , LI. it f III,,, I L I I, Charlotte, NC 28272-1083 116 Pr' I Il r Inl'n Ilnll II' I Ir'I I III1III'III"HIII-II,It III I I„IIHh"IIII1.11"IIIIIIII'IHI Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Hrnv to Avoid a Fnonco r:hargo a Casa'. P :ud. You whi l at e a --. c-- day. tAh t q Ce J'ane or 'a p";:;--, 25 .?. bda- 1--f ., Spermlpunresasalt ,pier;bwgas If Yculprav your total "N'Giv Balm ?r. in aroma ?Y 1 Irnr.darl Nolk.l f.Vr br-lor a a k r" la be"lulled I t Y-,. wtl doe "Ma_ h..r_ r, "o grace perix' :s , r 21".. aid sp, ill V m .tens. Ill a J .lhc n. the . is I'd y err: e pednd on a,),/ Irarsacip•n if you III -t [,a V the Leal., Y asv Ral b. Accruinq F r. ex Charges T .a ..cir n h rt f a . ur?l sutjatl to a grace {redod I, es -ou finer,-, Ch::l L, hom the t fir I sacilGr Or -ter i U the Ja ihn liansach". is pox. s en in your Acu errl . "f furl i I!`a 0 i rate t l the a l b li rg l x5 A .11Y, f y. t dl -4 pay Ire, N - eal'x c . fn e . s t'lli.' fen' d f q/ h 1 I t Iv rx:t urip:i.' t21-ce -14 he ,,,Palo bulat is p.. ' putt. -his m s Oil yet, nv:y slip I-. hr al .. c. ` I;rga, n if you pay tha .afire Neal Ral.... kidcale j hr Ire frrmt If your slitod'oet My the payr-i't ::era W dad not do so 4x the I-iiws rreirlh. Unpaid ffra:ln:o charges r to laded to the 4viduble segrranl d yell Ace wl. c. Minirnum Finance Charge. For each bill'xig I-tlu' lhol ycwt .) -court is sd))aIt to 1(In.n:.v rhk:ree. a INrira.t fo1a1 FINANCE CHARGE d :17150 vAll be imposed. J. Twnprxary Reducl irxi in Finance Charge,. `.^ e tenet:e the dgll to i`It...... ary or all finurce ?I`.al;es I", ."j a, hillillg Period Average rAiy Balance (Including New Parrhoses) Fkian.e ch.epa is cak;ulafad by lilulliplyirg the ri.sity balurca d -0, segnx>ni d your err -rl (e -q , sh e, pwchasa, spacial braider and special putchasej by the currespondir!; -airy periodic rale(sj Ihaf has b- preyirwsty dis Close..^' to you. Al Iha sod of each day nurbic the Wiling retell, vve apply Ire daily fadedic rata fix -II: sG^r-ra 1 of / t k, the daily W f r that. Ti' fit c-? of 11 IJkng pr dup the msuhs d1 ".1 dedy ,l ulat -s to auiv_al your periodic finar:ce chhrge for each -%.''t vVe ad;: up tale •esetts fn, e. eech sagnier,l to ra the Idol peri:Tic frnaoce ;hang. for V,.,, arc-A Te gel the dally balar.a for each sP.vma;l If -1 actta:rA,take the begin iolu balerca for aarlt szgnrelit and add ,try nav hensacurx,s .,-,ny periodic finuoce charge calrukalec or:Ito Ixcwinu's -y 's balance for that segment V'Ja iha, soble.1 any payments ,, ereJfs poste" as of that day that arc Ate-trai to that seprrw,f. ThL :ayes us Iha separate tally balance lea' each segrra•1 M your --l. F-,. 9 Y. r:ld the N_ Balance sl; De'n`. all y.wr Devious stalwHnl in liar ter !1 your "err bel".- was zero or a . i att around. nee transacfkns, vVhwh poll to you, r:mhasa or sp-ml P-h-ld'egnxmt5 are net 9dded to the deny bill-Cos aV. cahidato the. a-upe daiN talance by adding ail file o,,ilv balances together and dviomy Ira, sum by Iha rurMa of the dilys In the., rent hilrina cycle- To calaulilta your total Onaree charnel, m is ' y-r averapa daily balance by the dairy periodic rat. and by the rurnbar of d,;., Ill the bilfilri period. awe to r undng on a daily halls or due to r ilir aril fmanre chore assassma.1. there r. ay bz a variarr;e betrsen this C.1watler, and the ormunl of 11-r- charge eIluegy asscas(.d. s. Annual Pre M.qo Rates (APR), "l 1: ;t "Annudi PaRr+e•fana Raty rxly ]pP'ru as 'APR" m Ihu ft d of this slalar 1 b. IF it., code P :•?'uadedV Ptmb;. 1_ r.^.a.mlariy IIRURI. C r:ad3r ly CDj, er 3 (Bankcard Prime) al,w.-'on Ihu hull of till s .staler wil neat lu the paijoIlt tale{. j, tha (tenn,',r.: I Aa, a .. -o taspominq ANNl'AI_ PFRCFN7HGF FATS rT;y Va, -l-for y and rx:y Ircr4:sa or dec.-, rasa" e th) I ed it rli a f lid - Tr It Wa1I 91 [t -1. pl. I, ^.t c), iswou>h d'n 1 - la Y,u hest ';renges dill be .11-tive e, the first ;:ay of Yuut bI."q p -i b" your Patin; rc stet-al't a tdrng !r II'e -Its, of Jar-v A.,I, 1nI}' and Onolwr c. If the -o;.e G W -l :ly Pdnp), F W,,l lhy IIP.OR), :.r 3 ry US OR, I f " oo the f.M at Youl Out et I MI t th. p : k"d ii f 1, the pedoCI, ales 11 .ri lac ANNUM. PERCENTAGE RA-FS -ry t.I ey rrcrr?s a.)r dad re eso bas at ct, the stated _ a, f-rid m The W-111 :I-I Jd-l. plus the m pirdyk sly disclosed re yell. Thaso Chw;yes .'rill nc aRacfiva nn the list dray rf sell, billing peded each ruaft A. Asses--net of I... OvFxlimq and Returned Payment Fees IWar[be teams of your cuslodrer ag2anail, r?e orient, tt.a right to -r-or -1 1. assess any fr±e. 1.1 oll t A f OI n to you a.T,houi r.orvmu o ur light M asses it o ., able a .metal fans at a later pros 5. AAerrrbarshlp Fee rued Ree-log Your A-rt If a Mt."" fee app-` ca+. Pis stafameM s•.r vdll credit the fee If you r:wa:esl fo ciese yrr:r ecceul:l1,fhin Sh days of Iha .-ling of this slulaa A Y. a; n[;y cudhwe to use Ilse eargil Ld,.g 1... 30 da/ peil:zl hdore your request. If you .,nd Puy all vh3rLra sued ern. this -.-il will 00a,,, err If 1,- .1. y- crergf card fir acrorini ,Ref y [MI felt nest in Close, ary membership fell, pr-leer, try' -Nod rrray be -staled to yea:r occm:nt 0 Closing w Suspending Your Account. You array red-, thut veu, accourl be close) by calling or vAgk,g ?wr Cast umar Relaq•x Osifx3dr`Ient. Pl the ik-Ie Of Y-1 aru.ast. ..a Mll pa,ld yob 111, addttknal details on d s n y our dclioe 11 'tae rev Inrluda pay-.[ Irfonnati. - If you u.a 1-1 -Wit Carl a charges poll lu your drewnl .11-you ask us to it>ta your account, v:a car keep Your aCrrwM o>(rzn. or rupee it W. nray Ill- e, suspend Yuua --t and your righl to Wtaln r ch W'a r,ly du this at ally Ilrte and for nary raas«i. a a; jr you are rot in defaufl_ A suspension :Y yratr duet cat, be perrnrn,enl rx tertwmry. If yen ol- I is alosad ar susportd W. you mist stop u.irg your .Wit card and -or"ll Yet nest else--A all p-thedzed billing ar: angarrdnts 1. "1.. -.'e ;l. S. vriti not do this For y. 11 :a time or perna?nontly suspend your accounl, you mull also destroy all c2rG1 yards and account access Chrzks. You must still pay all ."aunts Yr+u - us all the account evert a they -e charged alley yawl sccnuM Is closed or Sr Spendd^ T Making Payruents. Pay-141 ya+ malt to us will he cradhed fo your account as of the business day vra rerei a il, provided i1) you text the bottom ninon of this Slafatterl and your Check In the etuiosad iweit irce envelope and i2, your payma•.f is erc i-d in or processing I.A. by 3pm ET f 2 noen P-i. Fires, alkny at la lst flea i5} talsirims ;lays for postal daltvery. Poy-,.Ia rw- wed by us at any other Ircelimt or ill Gny dear foam rrev nol ba crecgfr?d es or the day -.-No th X'L :iw ba,ir.'.S d..yl aR fvlrxiday 11`riri?gh 8 Nittce About Elactlmlc Check CenVeisrui, ',It'-you mould, a check as rvrnA•t, yn. adlh'vd'e r!•. 'lhel ill er=r il'to 111.1 ft:rm you ;t,1A In arrdke a x•.;-hn» ?lert uaiic fund tin star frerrr y-, def-I a:. <;wri rx to t 1 slh i to a h- kta . t VI a ..d us a (,nr s, q' nr your ch.ck la make el_k,t r, full .t'fer,(uidsra, bevllhdra.:rir.x*y cuseati-At' .,rI .+. ?. Ih. s,- n: del, v/r) rrzer:e rpayrrw,nl nr t I n..frf'. jx rrrnr,kna.k h:x.ri f-' ?i:A ,r ?.Iil Uli:xt-v.i!.r 9nlhtxi: ali.x? is nrA Irene:: b'/ Iha ".:I, rr li ,? ^k S -r'. o .f:M` i011", Cf., :trrr l al, ?,I-i e. .. pnyrtr r;ls 9a k plc/. Ify- ae l"too1,, berkii.14ty t-..t' ern .......: IN, )rrt'.tr.:r I.."IIn is .)I h/ f•x n. ei-ftr tat (:acv::?.ll' rf r. n agarAA la.>finrt s.? .t r i:+N cn cl f1n d v y { 1 AI} t to - Ir tul sp kl g II y L l P J u y t es f r krl.pl Y C-1. If }a ..ill. ,la t t yor.t writ-. yu rbJnkn,40.yP _Jwg pl,as.(?t•e'. our :mxtey crrt,.,f us. IRIl1JN! RIGHT S Sl;IAVARY :ht Case "1 Ell"' YdL.1 IBM If y.xt think yhr:r bill k r?nrng or Ifyo., nerr% role irf:x rrratior• on .,Nit "ff. la a era `ltdo t is on .'aped)/. It -1 'as sn-r i ryas sfMn al the address fu Inmuides .shown on iha hold r d th i, c stal.,-0 Wes must hear from yes: Ri let., fiver, Ml days en,, rte ezol you Ihu first hip or shier. the -for or problem app.;; atrxl. t can cap our Cuslotler ReLahens nrtrrta It edgy us ry email arvZ'SIlIt M:t doing so, rill ret preserve your fightstI, your Wier give us the higoving inforre;lied you am:d account -,eber, the dollar -,lirl If the suspected rarer, a descrlpq:nl of the error and alt di pfandlot, if poseible. d who y[xt bdleve Them IS an ens, er gVDI; Ilse : nwre in((M nlallor. -: .... cdpfion or fine iron you era u .: atxnti Yet en not have; la pa) any onxx,'rA in uuesgon trite v+e 913 inv?llq_ating b, rut 'at- Mill ogi[;alert to pay the Parts of Yixir bill chatare 1,4 av While V? ou k dre:p t It i^,ka li.x. h -tied Ire a -A 1 Yu. nu':siloc- } SPaci'd! Rulefa Cmdil C,am Purrdt.-s It Va: vase o problem Mir the rluellly d r.q>arh/ nr svvi: es Ihal YraA putChasad vAih a credil -aid ernd you have bled ill guJrj r'A fecorrectll;oprd>lerrr with tta, mxcrmtt, you nwy here the debt nd to pay the rarninirg etmount due or. the pmpody er s. You f.ave this IxrAe dlon ally v b- the r. A-I Pdce re than $50 01, all. the -I y;'u. hurter slut! a MCIA, 1it0 miles orpo nuiiinq adiress. rtf vie • a ofraate the r-cVant, or h va) mailed `ru.' the ad-pis.-M rod the property of sautes.. at; r,rhaces are a.xl mrk nlless of amrntnl or location :A rtun'rase i Pl,", -eardbor W aigli ell :;,nasrexier r.: a. t Loss ,xtp apra'y p'o ;ors i,x+ss -co.":, 'airlai are srrprids inf-pica, pfivary prol.A n.:..a rs,. _bstte it -rs:rv g-rit-on. r:om Cepllai One is a pedantry ragislered service ne;k of Captor One Fit-r-l C-ta,,Alo , All lights reserved .:200.6 Canal One Changing Address? Not quite ready to make payments online? Address ........................................................................................... No problem. Follow these simple steps to make sure ............. ................................................................... we process your payments smoothly: Home Phone, ................... ....__......................... -...., ..... .....................".... Q Don't staple or paper clip your check to the payment slip. Alternate Phone ........................................ • Be sure to use the payment envelope that came with your E-mail statement. Using a different envelope could delay processing. Address ............ .... .................. .........._..................._........._._........ Please don't include any additional correspondence. Please print address or hone number chan es above i bl bl k i k • Last but not least, be sure to write your 16-digit account p g us ng ue or ac n . number on your check. what's in your wallet? LET'S TALC - WE'RE HERE TO Lt". 0"', 1011 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One,' vve're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment_ • Give one of our associates a call at 1.800.955.6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. Ce_> Xi09 Capirral Hrae G?[+itnl One is ,:?Fea'eral/y regsereeA!enire nwrk. dll righliirce;red.. FINANCE Pre-vi,-,us Balance Payments & Credits CHARGE Transactions New Balance ..... ,_.., ,- .. , Cue Cate w 1 v : J $0.00 $10.32 $78.00 $606.52 1 ' Sep. 30, 2009 i '!6, ., - Sep. 0" 2009 Page 1 of 1 Visa Platinum Account 4121-74?58352-2920 Your Account Information TO TAI. CREDIT i-INE $E,00.00 Tc"tTAL Al AII,Arl F CRFFJT $0.00 CRFF)IT t INF FOR CASH $500.00 A','AILA61 E CREDIT FOR CASH $ODO i Finance Charges IPI a .e s e rwerse for Im ,orrard it orn Lion) 1 EAa xlnla r*dl. yr ?vmding FINANCE 1: aToied to late APR CHARGE i Rnc:hase; S`30 66 0 062IA°<: D 22901, S1032 Cn,h ;0 00 .106822% 0 25 90% SO 00 ANNUAL PERCENTAGE RATE applied this period: 22907 Q At Your Service ,e tr. am, a,lab.e cr?1 I lc i aclM, o l.at BOO { , X37 k r . 1 _ bsl n clukn . a.,. of s aR to Curl. Iner Rrkvl?:?s Pay Online al jhwccaoitah: r" curl -.r mat your payrM_I:I M.< CcXdlal O% B,nF ,USA), N. A • P O R n, 11 3 ChartTte, NC 2Qf2-1GB3 e Send Inquiries to: Ca>;lat Ore• PO B)x 3628.`. - Sat Lake 0ty, UT WX 02E6 Have a question about a charge on your statement? Please lefel 10 Ike Pilling Rights Summary oo the balk; of yaa siatynerl! a visit vww radtalwe eOrildaoutes. Payments Credits & Adjustments Transactions 1 31 AUG PAST CUF FEE 4 tb 2 05 SEP Q)\,F tvOT FFF SFP O5 20(*0 t>n Ym acL-,A urt has gone met rs credit limit To avoid additiearal a?et 11-011 fees' yoll $300d pay mole glllt 31e lvlinirrmm Paymelit. Please pay enough to M ing you arca)nl Lwlance b,+m yon cleric limit immediately. and make sure yow accaud balance remains below your medic limit Please be sure the amount yuj pay accalns fa any future purchases fees and finance charge; You wereassse,sad a pas' due ree h-Huge yom marirnurn a IMI was nct reLYAved by .he Jut Sale To aoold this rte it] :he fU me we IPconlrlelld :hilt. you 411ow at l_a;.t , Jn:nII., S ciayti f')l 'jwt ml' IfnUm payment b leach Capital Jne PLEA51. RE TURN PORTION BELOW WITH PAYMENT OR IOG ON TO WVVW.(CAPITALONE.COM TO MAKE YOUR PAYMENT ONIINE. ?.1 4121741583522920 05 0646520015000127006 Account Number: 4121-7415-8352-2920 New Balance Minimum Payment Amount Enclosed .. $606,52 I I $127.00 1 i #9024979546849975# ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG, PA 17055-6276 rrrllllrllrllllllrlrrrlll1111rllrnnlllrr^Ilrrlrllrllhlll GO GREEN. SAVE GREEN! Pay online and save money on stamps. Sign up at www.capitalone.com Capital One Bank (USA), N A- P.0- Box 71083 Charlotte, NC 26272-1083 1111111-IIIrr0111-IIrII 11nI.. IIIllrrllrl - IIIrIIrIIIIIIIIIrIIII Please make dtedcs payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. ROBERTM REIFF H- to AvIAd a Rnancn chargo_ a C:aar P,?',[t Y,. ;: ill :.:: •..e a n• I..m t4 ace f••ri?af ?/ +Y, w: ul' .wt fi ?. ch.:lga . .. t at.,.ce 11 1 alsfa s. I. ,, special f-c alas and 1 er: '•Ih,:r ;i ? if yr„ pay 1''I.r Mal N? tHal?l ... _ .loll s`,e lrR,xnlant Ndlcel roil -1, Irl 6?.f?'I::1 1, t' x> Ica ill to fa1 cl edNv..: L•, Vo•r Ivi rn» 11 11:r .al 9 'all f elx I eK , a nd Is-n I 11.1,1- If `.chitI.Iha,. IS to qua, f etl'+:Jn, -•t .,act Rya;do nos f+_; !he 1o1..1 -New nnnl In,, J' :•f the lm -di, ? frnn'u the late the 11 fr. it 1 .w A--.11 of 3 hum the nl a dal o Ill,x t baiting pw Lnrl. Ad:iill-Aly, IT \ • A {.,I Iho. '. N., , Ralarco' In-It., j avi-, Inhip- III-Id fill..' w[-e It-g. 1.1 1 1 ,ue to . ;f F:lanci unld the unpaid bola.,, is f._fd in n,tlh is ,.-its lh..l yU: n.y'fit; fl...:, en d ypl, pay the ,x Aire Z. Balan- ivrrwatsl at the flint of vwl, st,demn» by it. payrrx,d lie, d'aso, hilt did I•.A du+o k,r lh.2 I.-ion, rte lith. I h,paid lilmnce chages ' Ie 8:0,11 I, me apVhallble seamenl ci your ACCDUnI_ c. Mm...o, France Menge. Fo aarh hWbng prided Ihnl r.nl is "blacl le 8 fill.' L, chage, a renir.un, I:43I FINANCE r.HAR,,F M ;.,150 Will ba imlx•=Gd_ d. Tenfpuay Raducibn in Finance Charges. We,eserve We nuht I. n;d uIll,I any of all finance charges lk limy al billing Teri- ?. Average Daily Sale.- (Including New Purchases) Finance chap. is co "We 1 by multiplying the -ity b.:I-mace,, 1 I end { Van - •,?x 1 a 'h e, F. h p.2c II -bled ap-.i.l pr.;hasei by The cxtEyf-ndiny cetly periodic resells It,ol ties been Nasty disrlosed Ili Vol, Al Iha and of each day dulled the I?iging penca, vile amply Ira elaly felioulc rata for each Ur I - 1 t• ma Yy balance of e.,rt ...gfnwl TI-1 kit the cll. >f the filling f - -d Ili, the lelults or iteti dally calculatl,rts to ortive a1 •. oral perie;;ia finarce chide for each segmel IL We add up the 11, Imm each segment to hive al the total periodic fnala :Fame A• y:rr .;rccr:nt -o get the daily balance for oath sacnu l't of your ac-1.0_ wa lake rho bo_>nninq buiea',c2 for each seshmil and add any I,- Ir n-lions and any penollw ftnars2 or age cak:ulalua on, fhE I-Mous days balance fail that segment VJe ITT- sulAracl any paymmis or ;I-h, posee as of that day that a'e alloclima In Isar s0grrrll Thk :lives ns the 5afulmm dally b81anc9 for each segment cd you a;:-.t. 14-ex. if you paid the New B.1-ce Ill— aI Y-prelieus slalw:xre fn lull;or if Vaer raw WItalu. v?a5 zero or a creed efnx:nl' Isar: tra'sadlin ci ns, vA,ict pee to your fwmhase nil si>aal purahase, egiotent£ ale not added to me daily bolan:les_ We calculate the avclaee dabry balance by -ddinc all Ibe daily L Watce' *gelher and dmaing if, sum by the number or the clays In the carted hirlina oVela. To calculate your Ioral flo-d. drama. rulMpy yn, -.,age dairy balance M' the dairy pMOdic mlo and by the r.u'rtbor of d m;S In the billing peril d. Due Io melding a, a daily basis o, due to minimum hnence cha.o as,e,firnenl. Item nxY -- a v..... b,Arrawl this Calculi- arc the artou If of Iinallca change a,a lualty a"es5od. 1. Annual rx-oml,t Roles shift) 't t F• R.tl n Fafi,," -cy apf-arc's n if 1. fl.Hl nthl 11.:1..1 .ill b. it this o ie P :O?.?I le.h Plin•;'•, L IQ.i Melly LISORI, C ankcald Pll! Bprews et In. need orIIli at e T" I1 -1 Ill the Pets-'c I'le'SJ the py,k,di:: r.,fas and cnnalvndirg ANN- _Al PFRCFNTArF_ RATS n v jn 1 -_,creaseha d ll Ire sl..l o,. it lfwos, ::s. I.,d it fi., taalt Sfres:l k-olaI. plu, Ili, T -l.,. l- wsiy dill-1 lu y.tl- These oh Ill- K xn lhenlsl,ly of y.l ,r 14bnq si - t" ._ I' - t lyr..l nd'nq I Il'a m il lhs'If J:. h,eV AJxtl. Just -0 Y?nx,r c_ 11llte cede r, A. ,011Y Pnmov , F iNtnnthty LIBOI. ii, of ,Tmu smy IJ...uR : vrx ?rs s'. tie front d your ,sale, e, I .eat I, the p,r1 tits., Iha• { - I.I: riles c -{ rogANN At. PFF.FN A'E RA.F. i oy Ihly I y lr e '" nil J- brio "rr the SI led .,..e,_ a lr-r, u, IT _ NaN 31mol J•,umal, plus site r f usl-dlci,nwa eY.u. ?rears Ch'e'. tY•5 ,.1111,. aftactit•e en Th. nu=_I day of yell billing poulod each rnnrrsl A. Assessment of I nm. f -Iimfl and Returned Paynent Fees, I'.do. Iha Wrm.s of Samar c Ifiune, aamarrio it- rGSGMG Iho n_:N In .wire,x Der to assess any f,rls vitt"A Pdn np:fi::.lion to you WTt i r. u nuns t, avsr>s The sam0 or limit., fu as at -: lalu Iime_ 5. Membershlp Fee and R mewled You, Atdount If a mamb±tship fee appeals ee m•is s idernef v. Will clads the fee 9 you 1-11 to close your across I[ ,,phis: 30 days of the 'nxlirg u11116 sscllan-14 Ynh f•ley colulinue lu use Ire -dent during fr. .0 day polled bdelz Vol, he'llo's. If V nu J not Pay all cr:an:p awed on this anxrunl Wfth in 90 uays. or If you use y:w r -1if Card ".cream .1fle, Volt, .q-'l to close. any loombirnstip hea p'ov6xuty vralvad r,wv be mirlstaled to yu.r a.: eela,l n. C osing a Suspending Your Account, sou rrsy -:West that V., accol:,I be cl:aed by :c1ling as ,Ifting out Cullum, Rely Mnl'e rt,psnrxnt Al the lim. of 1. I u.a vAl pmvidu,a Mil, addttoolil details.. c le an_ tau, ^.,crnnll. TNS maY inch:de pal'mant it:lomine h If you use eur crWlt e.m a charges post to your aecouet after you ask us to vio," your acl""A, vie cat keyou. acc-r.1 oI ur aspen II_ vie Daay clnse'or ,,:spend your Isol ut a7] ;rt)nr Tight la obtain cnmB We nay do this at any Ilex and for any m evn: N you .1. -.,or in detours. A...p8nsion A yen, dcol:ld can be partwvnant of somporan, If yotr adcacxt is closed cc suspender. Tau must stop using your med,l can: and account. Yot I rust also 'ancel an proodhodzad billing sam,gerrxnts I. The account_ 'Na will not do thiS fef ya:_ If 'G cans. or, pomunontly suspend your accoeol, yen mw-t al", doslmy all sm,91 calls and Becuultl cress ctn., Ya, must still pay all arqunt, you - us al The alcc tern' a they Woust charged nMs. your ec.ce-I Is cblsad u -sr. ,I d. T Making paynarts. Payment, yon mall to us will be cr1: fled to your accent 1, of the finsiness day We rcletva it. p.V.dea 0you sw,d fhe beflam pMlion of this slaIshinst and You, check in the ax I...d Imiftanca envelope and !21 Yen' paymatl is rec,Avad In nur preceseln9 censer by 3pm ET +2 noun FT, Flliese alk. at least five (51 bistros, :lays for postal dalfvary. P.y-,,Is mceHed by u.s .1 any other location or In em otherform rrxy nes be Ilmd sod as ot the day ae receive thou. ,^nur business day, ern Monday llt'ough E Notice About FImIrenic Check Gonvoisiou. WIe11:V In V.io. K ct k.-f-y.xl Jr II' I. aAho to use inrell-lion f y , ch .,.k l1 rka O.m?hrr• ok+ctrrr.i: fend t... sfef Ir;rn ? v:r is unl of to us?- t; the pinwnl as a check tealt,.tM,anill •,AUrnx.llon fnn) V,.+,r ctwck to nn.tke 41 el.z(rn I: fund irsufwl. runes, ,ley be ..itrldlav!' Ir r J. rdapesA .as the s ?rP day wa I aces. e "It" pay nx11, an,.ryi v ,Illsrnl -A-y-1 sh k bark Srxn you, frranc L,l Isrluiiun. Ya., eelhnnzal F.,rl Is ir.' limited try IN; Caln cv, Ira the^k We my I-lAi' I el'rM-shall c,illo l fN ill tilla payola. ts_ 9_ Bankruptcy. Irycrr am--Mail to tonk•uptcy pnlo^ ors to, y - r1 this n h! fm . fomGn I I, punpu_o, tI our a,: Eder M tr ..Al.lt , .•_I , iaN .u Cl no A -1 : any pa•JI1 1 - 11 Y u. wfthout spaakblg MITI yam bahkn.plc, atlen c+! 'I We Bankn W y r7nurl If Yet t I ord.. t bout yc 'r 1,1 -11. ye bet cill Ys -.'.ding. fla h-,, y?r.r olhm ley .^,.nlacl us. fBIt1ING RIGHTS SUMI.IARY ft, Cese of Enos el Ouesll,1 about Yma Bnli If'ou think you blft Is wnxl]. or ii yal nand more Infrrnxtinn on a leansnction ail bill. vrtNa lo n; nn a separate shoal a, srxl a! - possible at the addhos, for induines fihocm, on the front or This stattvrxrl. -We must hea, from You ;o It L, than %illy, 'Sl r Gut y;w the nrsl hili or vdniui. the arto or DmH;sm appears:.t can call nu, Gull-, Relations uu ber o tngffj us !>•, e,nall er v lslla but doing so will not p.1.1 -e v-1 dghls. in Yoar later diva es thofdlowina il'Anrtts;linn. y?u:r Dana and u Lot nu rb doll. v xl I ! tl,e su,pG yed user z deocripl on flit- a and an ' pi-align it poss,l.le :A vfi; you believe these is le ono'. or BVon need nom infumtanon a descnplion Mthe Isom you are unslxe abr•ut You do not hay+, to pay any onbnut in dliestbal .Jhile tie am illy Wllgating it NA You a,, Iti11 obll:ale I Tnpym past. of your bill that e. of I. uue.iwn Whilo We it astigat_ Van, ., ue tY •.a Tot mj t I Vial P.$ dalinpuoul or lake any action to looked the .nx•unI ywl qua,lion_ t Spacial Rule fir Credit C am Purchases If you hay, a pref4e. With Iha, qu alrsy of Ix.rPern! -r vices theI you purchased With a credit cam and you have (I fact in pr1 fifth to cormdl rho problem Witt, tte merchant you rrxy teve;te rich Dal I. pay the ferlxah:g aderenl duo Gn. the pmrxrty rx as_ Yoe hove This Ixolachon only Wthen It. pun t-1.1 1,111 el . role man $CO n0 and it!. fuluo.sa rsls midi ill Von, IT,M state of Nimkn 100 mila5 of yeir lltailling otldl'25,. If vie own or operate the merchant, or if - maXed" me ad,lills.-9 Witt. pral or services, is purchases are : 'erxl seek ulloss of alnwnl .'x laced- rat lx:2ha'.I: 1 Pln. enxnborto sign all resm'st-nden" T :,cwis molt apply ;n :krs r,'xss act:rrLs r apilal Or,e suPPeas reformats., privacy pmlarti'll ,..a wr 'Tarsbe at rry.hv caotlalaye cam Capital One is a Iedaami mgisterad uxvicd nruk of Capital Cne Fnaldol Caporelint,. All dgH, esur-d_ 2008 Capt1'a1 One 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 `4 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. (7 MAKE A PAYMENT. AND TAKE CONTROL. whtLs in your waNet7 OF YOUR CREDIT WITH CAPITAL ONES' Your account is temporarily unusable. The good news is, by paying he 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. ?D .?009 Capatal One. Capital One is a fta'erally registered sends c nnnk.. Ill -'It, r,,m ed. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance P.ue Date $606.52 $0.00 $11.52 $39.00 = $657.03 Qct. ?0, 10t9 Sep. 06, 200'? -Oct 05, 2009 Page 1 of 3 Visa Platinum Account 4121-7415-8352-2920 Your Account Information TOTAL CREDIT LINE TOTAL AVAII ABI. F C RFr-IT $0.00 CRFDIT LINE FOR (A`?Ii $.'-rx) AVAILABI F CRFDIT FOR CASH $0.00 i ' Finance Charges (Please see ( Weise fir imporranl iniamati, 0 t r-lanrx retioSa CoatesV,)nding FINANCE i ar:plied to rave APR CHARGE I F1arha:.e 641206 0 6Z 43} P ?2Xr!, 51152 Cash SO GD 11 IIM2'6 r Zs 41911 SO Do i ANNUAL PERCENTAGE RATE applied this period: 22.W/ i --- ----- --- -- At Your Service - Go to xMa 0DIIa rR0 can IC:r.onJyc your a=Otla1, ur Cd ?1pU-SC:3:3! k^in•t a t;?l -a slokn rarc o; smak rn CasMiner Rakrtk^.? ® Pay Online at rtvmy.caeita6::e ajn ai in.al•/our pvpne;a t:;: cipl,31 nom; Oaok ;115.), tl A • P 0 rY;a 71 3 • Chas 6tlc, IvC 2'6272 L°3 e Send Inquiries to: Cs!tal Gre- F.O. 0?a50ift: - Sar take Qty, UT P,4".;? 02N5 Have a question about a charge on your statement? Please refer to tll Rilliny Riyhts Summary m the Maid; or yora sta'wnen! or visit N'r?w raoi!alone turn/d:;ooles Payments, Credits & Adjustments Transactions _ 1 (t) OCT :±oFRI'!,AITFFFOCTZ7C:C'.3 ----- 53 ;>(? Your ac nlt has gone Dairy its credt Gmii To avoid addaonal aredirv! "reel you dic ild Uri maa than are Minimum P"ri m"a Please psy ernxtgh to b inn yan ar,::cASnf belan-e oeIrm yarf E?t limit immediately and make sme dour acramt'oalanrz imnains tAov your credi Innif FIe:3::e be r:ute To amount you a3y accamfr; rX any ru.u: a Mdrls eS. fees and finance char9e3. PLLASI RE IURN PORTION BELOW1PATH PAYMENTOR LOG ON 10 WWw.CAPITALONE.COM TO MAKE YOUR PAYMC NI ONE IN[, 1 4121741583522920 05 0657040015000147009 Account Number: 4121-7415-8352-2920 New Balance Minimum Payment Amount Enclosed $657 04 $147.00 --- - - ' ` -------' 990279795468499729 ROBERT M REIFF 104 W MAIN ST APT B MEC0ANICSBURG, PA 17055-6278 II,,,II?IIhII?IIu?IIIIIIIIIIIII?r?"?HIIIPIIIIII,,,In,I,llt 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.com Capital One Bank (USA), N -A - P O Box 71083 Charlotte, NC 28272-1063 IIIIIII-IH..1IIII-'1-11 ItII Ilnh If I III tI .11111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. ROBERT M. REIFF A- to Avdd a Finance Ch-po, a C;a- l'atrd. You .It ;::,•o a lot id--f--j 4 avys R...n,t final:: . ptac -a" I- 1 .lame - nsfars, i .: twral rx.ml ases ar d 'ex :.thDa:+,-.u,., ft,al f-ov, ..r(nt.;l `n1.2.,lar.a fi "file,?-:.trlnelry><•da,lNaiof-rrxz; .,.. fr[ a1. 1 r.s h-j t•y ya,I la?nxnM "nd aPec r.l4m,.ler:_ t pari:xJo ,d lrer Saab. r -,, d.11. fa, h:.R-tl v R-A i Au, ruOq Fr a o Ch x19 '.I i t..: lot e T- l ubjci 31D a grace I-r,-: e!a asn sW Men-c herga . h:.gym the J-t' rite im 2l faro lb-ailo o, t-ai,sa.:li,r sP' } „A.-,11uIgO 3d fulm n:a his' _:,l day of the t t fi' ,) I : I 1 P 'r :-Ily. rt y.- 11, ddid 1, • P Y It' . M a tl " t1 1r b""', p-ildrfull, hualLe c1ulgas, h.u 1:11.;lIS: ID L 1 i We p- l l r_ 'd iu ni. his mwi s 11'al y- r , still .r', h .. .:.ha+ges n if Yrx, pay the .:file N- Stan-. iuofcaled rot the froYt of •vouu flalemir.1 by Iha payrrelrt :a,e ,dal,'., but did I.?n dn-f, rive lxc•,i,xls rmxth r ripanl l I colecharyas a adrd la We aWl:-ble ceyrrx:nl "' Yl.xa A"'"I. c. far.Inntm Finance Charpe_ Fo auCb billNx) penal that I is s"I'Vl lD a(nar.Ca 6h' a ill I COai FINANCE CHARGF d'p 50 All he Imly, wd 1 v I To oprxar Rod0io, F Ch n N ee-. Irv rigl`tl "t _s.... s any rr all ri ... for aer, a`, tallb . yedod Avefaga gaily Balance (;eduding New Purchases) F h nil Is l 1 t d by ua,"ir4yw,g the ry _4 I. mi 1 r y f 'r e l h 'y' It .f ' ! "p -I esch' . by th- acre: col drrx c lly paiudk. rule +It al 1- beet pe viouO, di-l- to y.w. At the w'n ,t a h y d-rg the Al mg pad ra eppl_ h e daily f. I 'al, for _M1 _ artrfr,.r"-,.a tl o 4.e.:aay bala.,u of o.ch rxA Then at the and 3f Iha p'.1 r?erio;:, - add be le-fl, of tiese dally ;WWolk." ID --, al'voul' perlodl:: fir,owe charge for each srxdfrelil_ Y", add up Iha resl.tla from let! sagmeni fa arrPoa ai the idol pwfr.^ic fie- a ha 3a fa your ac,'O;nl. Tn grw Iha daily Ualav., for -f _I _fl - 1 ,,I .kb frv haO-il baler ca for _ao.1 sag. ,a t din ad. .any -Ier-ti- w`y pmoudic Mar ce cr urge -k ulab.d or the lirevl ms ds balauCa Fur that sagmafl We Iha, supra.l any r"morts of :: mails "ItIls as of that day that art. Mloca .a to II'd seyrrvnl. This Cives us the separate dilly balance for .act. segrr.I of y,11 at:r x.nl. H-or, f! you paid the N.- 821--'11-1 O, Sour t-io- slalar+enl In full "er if }'Der rev,' balanne was Zeio of a credo amx:nG, fie.: transac1m.,, v4,kh pest to your Ix,mbase or sr .clot p rY,asD -grooms ale not added to the daily balances. VJa cak:ulelo the avciage ::MM twIar a bat eddfno all the ^ah balul'.ces logetho-A I10o fig the sum by the rwmber of the days fn the cun.`t billing cyd. To -Ilrilala your total ".'m a charge. -IN ply your average daily halar,- by the dairy periodic rate arc by the -mber of days In the balling pair d. rice Io ruun.ing D,I a dally basis duo Ie nluitronn ru,--chary assessment, there may tera'varm". bel-o this Calrulaiim af•d the ancull of fie-v: e charge s,ctesly as.sessecl 3. Annual Percerraga Rates (APR) a.The I.- 'A. ,' P M.ge Rafe r IPr -r "WF"' l1 IIa fl.x't of this +tarer -1 b Il the-de P ,led,- Pn ray. t..^.uurl. ly I !FI,R i Cuadony C17, u, 5 (sankcaid Pt noel Spin-!I 311. III, h.,nl of this 11me. d-14,!he pal 11,. i-k rates an.^.:.,,a kx1nC41r NJNIJAI PFRC F\-- ,-;F tiATFS may ,nary a,arf-YI,!-,. a rte:; .a bds... -Ire sr,?ba. tonnes,,. - frond m Th•, Na11 r l - t l a.lG r ' f . - Wsly I L I I:... ed fa Ylx:. Tnase - I. 11 'b" n[ e.Z 11 Ln lhef 1 f fl [ II: ) f.a l'x. cave . by your pwdo:r„ : talam..t o 'd" a 111+ moths of JanuarV. Alxii July and i?clA- rlfil'eCoaPrirN. IINPnmel,F nsthty 1.1P R.- , T -v LIBOR. zq a c lt. f t r yc•u I t 1 "If the p Ix alai,., the Faro ;d- .. pan du ii AJ'Ni.'AL PERCEN AC,F RA'r. 1 vary It* a ml may I, - a or i-reaso base.^.:•n ihH sI:Ja 7 o f ."-d m The Watl Sheet J.,um,l c i s tr Nl F r,,k.,Iy dis,lesod to YOU_ T-,e Cha .gas roil ts; art- five ,,I W. first day 3f your billing W-nea each In+n,ll: A, A ses moot of Lela, O"WimR and Returned Payment Fees !Jnder Iha leims of your CUSlonx:r'g-ool, v+e rase o tr) tight to_kva ,x"A a sP. -rya>111:,A it,, aloe ei simlm fees at a lat. fime. 5. hFxrrburshile Fee mid Renewing Your Atewnt. If a amb rnhip f- eW- on this tatom iM ,All c' W it the tee If you ra)uasi I, close your e.c, n I vithii ir) nays of the avlirg of this slaleaenl_ You loo, Cp It o" I. I,so I ," ace a rw derlog the lod,y period before Your - ost If y u d- loot pay all cha v- raved m, this ac Y t Xt f , ?0 o,If- use youi Croat Gar.,, a D laft v aslto .ciao. any le-l-hip N. fe.sic _ly ?rmvedl rrr..y be 'nstolad to Vc -account 8 CNning or Suspending Your A-1. Y- r est that v-, actor..I be closed by calling or v,dio. xu u C-10 oar Rol.lhi s. D.P Ommit Al :h lfn,e of yrx.r tar b-I ...,'vin pm14ia ya: 1.411: nAc hlo it datatil oil closing y"ur __14 . This r- 9y include palmart wfoimati- it you us fear cloutcar: a d -g-pastio your-- rill atle, you ask us to dose you, arcD M, we cart keep Y,ur ace ourit upon O reopen il_ VJa nary rdesa or su'ri-d 411 an:DUrl and YUU, nghl 1D obtaxl r-did. N ray do this at boy If,.. m'd for a' ,aas<x•. Byer 0 y.x; are •I in default. A r. e,I.o,iu,, of y,.,, -courn can be per-curl or lerpo,ary_ ttY." ..C..DUnI Is closed cr susperldai. you must slop using yoe, "'lid ear- and account You r...sl also caned all pfev:thodzod Amin', ab-gerrerlls to ill" -unl. lNa grill let do Ibis fur you. If d close of ptlrltsneMiy suspend Your accuorl, youi must also destroy en ".,111 Cal..^''o and ac co-t ae-'s checks_ Yu, must still pay all Orouels you :five us or the account, eve, a they ,:vale charged alter yrwrarceunl is 4,s ad or suslxrlxlad. T hyaking Payrumits. Pajmurls you mail to us ,111 be cndflad to your a::crx,lw m of 11'3 Iwsiness day ad rue.a il, provide..^.;!I you said the Irofium pollion of this slalw?ex'.1 and y-, check in the -1-d lan1ha- envelope and i21 yuw Pay-,$ is received fn our 1rO:essN,g cool. by 3m ET (12 noon r•TI_ Plr se .1k,,, at least rive i5) [.,mess, days for postal call, aj•. Poyrder.ls rw- rv by us at aoy "Ihaf location or iu mN diver farm trey nd ba ov dtloo as of lb. oat'.,e lecelve than. Our busin,xs days ore Monday Ihmn9h Changing Address? Address ................ Home Phone...... Alternate Phone...... E-mail Address...... Please print address or phone number changes above using blue or black ink. 8 Net- About EI . *,. Check (7 1 l 'rn `.rvi rv' yur lx -kfa .:1 k pail 'fit _ II ' add r to I lfomr;lux fl- y to ,ho A to r rake P,, x Ii, ate-Ye 1, ford hallsfel fro,e y-, d.pa,n .. -,,ir ,i irr b p,, l nit as :? chra:k tfanso 1 ,_';We., -? fxlf.dJ II.1 x. cl ?k 1, "Jake fe,d h- 4m, fi 'I. ^y be'Athoba-I fr r yD l oor-1 ?drI 'Ih+same day :e-er:) YOU, p'ryr- t 'I , , IN .nl y,wl ^rf;ck Is, to- s-, rx .ulvl,l nsl'h Aiu aolhun. 1 .r. is "A Ili t .' t i Ih= ?:'le .. I: v., f O o al!Y c, Ik;ci ,•-+, n,-:: 111 -1, We nail rr•?r.t 1 cra ayn +.x';is 9. Bankruplry_ If y ,,: um 1 II-.: o t-*:.pky Pdc==? hats • , 1 Ih - - at'O is ot, f, I r r 11 1 fiuryw t, wlo, I .._ , .I .. .Aal m clltm. res., w ten any pay *,un.s '411 in+ s 149ro0 :;paokw9 -Ih ycx. bs-kmytcy mlm'o; a live F.: ,.W,'pl y l - I. If +.' I to cia'lacl 2G I v + er It y3Dr h.,nkretAcy 1-1 dff] fl2..se.-1.:<.. x:f nltrln ?:.x:ta;:t e, !Enu_ ,C, Pill. sump"ARY fht 1-I of Encxs "r OUDSfim6 ataul Yen, F-Ob f Y.x: thank you hrk Is u-I,. fir If y,.e read tore wt.- Nnn I, ., 11.11 :;ton or Nit_,I lo,s sap 12 sr'-1 as posslNe at the adrho" for usio'nas ch.- on the front 3r thi, r Ipl rent. -Su crust heal you oe lal" tr ay' rill l•uys :tux llj Ik rs!bill o t, bth - u pf bi':apt ear ,d . liar our. u_I'Iref Ralelicn_ aumtar e, golly - h,, e+naal Drwe65th. but ddng so will not preserve y-, it,lik ;.I lefiar give the f,X d t million your n..m.:" ,our -DUI-u be We d'lliar 'f ftt_e...pc]edu de.,cnp4or of III w-r arid xpl-Im, 9possible of 1-., yr.I belleye III _ is xlr n live laed -,,a lni-1.1 d-riptlor of the rem } m ir? r oo, abut You no rr t h •o l:, fay any a11-14' •uusfien hilo e] 2 lu-figaligitl.I yul OID ,1111 oar:afed to pay ire parts of your bin that sio n,l u t o _ While .c i s1Lg 1 your e fi c a a,d u•p, t x a.: o I'i ,u.fi .x Ilke - aclral to'tied the penes t q n. quastirnt_ t Special Rulu hx Cmdil : ant Purchases It ya. rave p N 'Ar the 9ueilly or Ix y ett, - x thol yea pu eh ?sa•, vAb a :redo card ai n yr L have (lied fin - : larlh to tom 1 the problem Svfb the mart ant, you may h -ire Itght 1131 to pay the rernMning are-11 due an the pmpedY :x sO ViCas Yea baYa It Poleelkyrl Oily Ivhoc the puu;haae pti- is Man ASO.oo and the P,mhasa vss rtc-.de iI; YoO hvcairc s-Ia1L• el vAtt1N, t W mil- of your moifing ad irtss_ !If vr,, vn a or-4, the nwrcharM, a if - rrialle. y- the adrettisa et for the prafemN or savicas, all P,rhasas are .rxl m!N nik s of a eOml or to-ti-:4 Ix'rVase.': Pfa: - ,ou-b"lo ion. all::+ataspl:v:tl.r:a. t L` ,:r. nn! apply :o .'s-ae- .accuun: c CaPlal Gte supfxids Irllorrrellon privacy pmlenion-,Beau ryebsRe ai'- CaJA.Iulla Item Capild Ohle is a federally ragfst-d1 saylee nark of Capdai C,fie FU,ando[ Ccuprlr'aliar All nghls Iesarved. P, 20',16 Celwlal Ore 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. • Ile sure to use the payment envelope that came with your `O 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. `gym Ct3N7-ROL OF YOUR CAPITAL ONE' raprtal what's in your wallet ? A,.C;t: CUNT AND KEEP IT FROM BEING " PERIVJANENTLY 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. Payments, Credits & Adjustments 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. '02009 C'p;,:.d 0,,-. (.?fni:rl (Are b u -ru r?Lly rr?rS!rrrd arr,•:rc -ark. Ad ......erd. FINANCE Previous Balance Payments 8 Credits 0i'ARGE Transactions New Balance Due Cate $657.04 ?$0.00 513.07 *f $78.00 -i $748.11 !Nov. 30, 2003 I ?. Oct. 06, 2069 - Nov. 05, 2009 Pag- i nt I Visa Platinum Account 4121-741"352-292D Your Account Information TOTAL CREDIT LINE e'atp.(X) TOTAL P,VAIIJaBtF_CRFDfT ?,t?-00 CRFDIT I INIF FOR (A1,11 AVAILABI-F CRFDIT FCrR CASH $0.?? ' Finance Charges LPIea-.e ee rh. er.<e fr r im atant in vn3!ion) talanxiale F'eriodi;: Conesixr?dng FINANCE arfdied to rase APR CHARGE i 'Firrchases S5:208 3;A3274'.'%C 12rXff,, ?13C' ^.asMi S') Do 0088275 C 2. RJU. SO (Y) ANNUAL PERCENTAGE RATE applied this period: 22.001/6 i AIN At Your Service r v iv. apEab e con t r a.? r a^ rrnt, or Cal 1-MO 'C h 3Y k M a slop, a _ , u, _,tk Rztalk ns 0 Pay Online at rn',w-carilabne wm o? rnal vau rafmn;:I to 0apital0tcnaafi;UCAI JA-P.O- Bcx71C13•Cha[Al,-f:1- 26212-1083 e Send Inquiries to: Cap,lal Gre• P.C. B»: `2Bb - "A Lak._ Oly, Vr W4 f) 0285 Q Have a question about a charge on your statement? Please refer to the Fulling Right Summary or the bad, of yon starwlent a visi! www rsatalone roml3s?Ates 30 GCT PAST DUF FEE !MjhOV OVERLM,TFFENJW(Cj-2L4T3 _,tKXtt S;i? fb) :'T9 00 Yom ac u lies gone over i r,n di hmi . o aioiu adStional m horn f aT :ho ldl nay m >fe thAn the Virlmum Payment, Plea e oa enoillh to ang all We atnt bala10ne,10 you a it limit ilwn dretety and conk : lfe yowl icownt Lalan„e I WnatnS oelowyour cre3 liv R. Plea: - De -:ure the amaint ya) pay ara>tuh?s fa emr'nlme;AA chases. fee; 9I'd finance charges You weave a£sessc+i a past due lee te.)au e yatr minimum r.mv-,&W was not I-euaivea tr; the due date Tu avkrd't.is `tee in the fume we re :anmen.I that vat alf av aI lea .-a t hnolneS4 .}ay fo yon M,,;h rn payment to reach Capital Ono PI EAS I RE7URN PORTION BELOW WITH PAYMENT 011 IOG ON TO V4MPN.( APITA I.ON 1, C0 M TO MAKE YOUR PAYMENT ONLINE- 1 4121741583522920 05 0748110015000208007 Account Number: 4121-7415-8352-2920 New Balance Minimum Payment Amount Enclosed $74B? 11 $208.00 #9031D79546849975# ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG, PA 17055-6278 ,I1.n.ll,ILllllr,lu,1.lllrllunlllnlt,i„II('bilrrrglllll GO PAPERLESS! The trees will thank you. Sign up at www.capitalone.com 4 Capital One Bank (USA), N A- P O Box 71083 Charlotte, NC 28272-1083 IIIIIII'III„uIII?II-bIIIII.,III11r?II-1,1Ih11,-III I IIIhIIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. ROBERT NI REIFF ,w to Av[:A a Finoncn ,?haru -al v-u, -fit .. , _7race pa,nd :4 In a- "inr3a Ina L :n:l a ' Aal- Transfers, navy spatial p:mrases and 1;9',1 na ob a d•. -S..sIt •.w Fk:Y l,., t.,tai'No.'e Ralan:c' Ir .Nt lrIml Aa 9 N.11. lo, p,yri,n `i= t„-I b-, h, it l., to .Talk :byy'- fayn It .:ale :h agree: pe;k: ' restad'-'- 3nd ape[. ..I b,u _fc1.,. Ir. a,unrtmI Iha C s o grace l,e,ind .,, -1 frsr-d", nYou d j nut flay in., 2olot I.RI FV,-_[.her3, I tlctl -]'.eF nc ,,,-,ad f haya'1 n I'le del,=for,-teal _ Ual, the date. the. .;:I ar 1s p.,,,.s IV, V,- ACC,,A. 3,hmr, X:a I. f ..,-.le . „r [la / he -. w 1 b,Xl ,I pat... Adair. ",,y n .: •;; did n [i F,ay the'NH,. Ratan Cri' tmrn the'-I"' ,Nirur 'd n, fail, fin- e..harg--1 'a M.;, to ::rpaid t Dance until fie unpaid balance iv paid in ;._I; 7h rs r ea, s Thal yn, f.A;y still a. nrnl .e::horgeS, n it - pay the -111 Ne.'. Sala— in..,.Kate: ?,,i the dnnfy t-11 t t-7 fill p,yrrrard ;ue dab, trt did nd' s ( f Iis north. 1l,potd fhen;e ctages '-•rl to"'"Thi -1 I- rrzli if YAI, A-11 5fi imum Fla e Charge . Fill ear 1,110- period Thal J-:, adc u 1 ,ub*ito n r.._eh ] I. to-1 FINANCE CHARGE X BO 50 ynll n.. impaled. u d Ternp,rary Redueh- Ill Finance Chard, w[: -en e Iha nghl to not ...... a. ,v [•t Of fir. =' cI•...r._ies Wr 6"Y d IV" bilill!a pallid 7 Avefage paHy Balance (Including New Purchases) F 'n &.9. it, A-loted by r,ultiply'Irg Iha Yy v nrc,I, h 'pv; II n d5l 01P.n.ies0' .,v p e c.,rre,Wl twg dsih, parlodN rate . that has buer Previwsly disclosed le yea. AI the slid or earb day dunro n I. llrg period, iva apply Ito ally pert+dlc ralo f.,r r :ch ..N- f, e, 11 tl ,lybl.- of near ,aril TI at I[ f ha mlhn- F rind, -a-d 'F Me Ia .'It, .A Itale d airy Calcotick"s to im- at yuur pai.,lu Glance charge rot each d,-4. N;e ail: up Ihe msuNS from each segment to arrive at the 10101 periodic r,.^.. _ charm for }vat aria:;alit. To got Ihe daily balance for v.h sear l of ynu ac Yd. u. take tie bo.^_,, "ring balance fur each segment and and any II- 4.rse,0i- ^. amy pe iaiiC pnanra charge Ceh-al-l.d nn Ihe pavlous day's balance Wr that seymalt 'we Ill., - Arad ary paymalts or Z-Os polled as or that day that aria no, @T. Ia that seaman. TNS gives us the separate dally baianco for each 1egl_4 of your accwnt- Hatcva. If Y. Paid Ihe New Balance sr-'! on year previous sialerrert m full !rn if t';,lif nay. tn,la,' a5 -.. or a Credf amY:lrrr, neat vznsacllnns, vAl p-1 to your rumhasa:r spacial ,-Chase leg-r4, are not added 10 the daily belVi-,I we -irulale the a-age caiy balance by ilding all It. mit, balai;ces Wgether ard JiViuinu the sum by Ihe number of the [lays In lb0 cunelll billing Cycle. To calculate your total M,'anre ;fdrga, -imply year W-9. daily balance by the daily pdndlc ml. and Irv iho r.unl[er of days In the billn.q period. Gull W r,undI- nn a daily basis or due In'dim; nnanre Cherie assess„yn, there may be it variance belnt,en Ihls CaJrulrtion ar'd the --11 of Mann. charge ]clualy as -af. 3. Annual r-::eotago Relies (APR). a- In t- u al r t o Far. r :pf- as APR' cm the it x .f ,I Ims sl„ Ie.rw,1 blfit 'de P '?aarlery Pnnn I r tatyLlBlR, i J, n' 1} r . B l.c.rd P e, f pe' Ill, f - 1 ,:r ll tell -_i i- II the F 1 k 't i_,, Iha, iefic fell' ... _pc,-ing ANM JAI PFRC.F;, A,-F RA-FS r y --t I ly ard yIra d: r„ -t' or rho I..IC.1 lies, as torrid "to 'Nall .Stir-I ph.., the ii alum p"iw.,!y disd[,<ed to y;,+.'. Thasa C wit be 0-0- al the full :tay rf, .1 b+lln'g I.w v, by yerN pa iodic slalanlanl .riding m II'e -rlhs od Ia1 Lary. Apl!i. Juy and . tlnl,ur. I. rh f WolAfly Pdmot FWarilny l1P R ; suly IJSURi appeals on the Iron d year .Ialw 1«,I t axt to the Psek"C ralois' the pelio nc "" pod asprldh•.g A.N'N'iAL PERCENTAGE RA'F m1_q Z" rorthy,,r; nay Irareaso ordViem , base - ,toll slated Ul:tiros. aS1fa,nd in The`Nall SIla l J'.nlmel. pU:c tY?e -141 pF•nwsy tl,s :Ics.C to yea-71os:; ahur.;os.rill !a; aX.clfye en the Ns(day n(ya:r billing ,,find neCi marsh. n. A sessnleot or I ale, OveAimil and Rmurrred Payr-rit Foal t!nda, lie Imr, of your -o.-, a;:reernw,l, .m rills rve 1h. AnN 1.-rarw not' srs ir.y feel pnc tff al 1•, yea ..4hc it -m- .ur light 1 -,l the -m. ot ,Im,lar fees al a later X e 5. NI-b rship Frw and Rnnewing Your A- W, If a mamE,aamP foe appoars an fhi, tal-N, v;e rill uayd Iha fee 0 yea, rati,oO to clew ynrr aer-if y.1hin :,n ^ays of the i-fing of this sta ."te( You i r c-a Ain- to use Ihe accwl11 du,htg Ihe :1(1 [lay parlod before your arrived. If y: n+ ..rot WV II t eaves -W on 11 is -_11 .'.fit in 00 Days, Dr it y V .-I cad" C'rd nn Dui rt yea -ain't to close, -V mer4,ar hip fee previx'srv--K.d rry b0 ralnsialed 1n y,--count is. Closh,g a Suspending Your A-rL Ynu may ra ;real that v :r accw.rt be closed by rilUrg cx vmtk,g ^ust ar R,10- Dat.0-1 At the br,a of y r m - all. ..a All pmylna yon. :Ali addX on.1 d l.1, Van ale s o i ?"" !. .wilt 'his may, Id-payment mforr.,at'o II yo, use :-dd car- a charges pant In your a.:c:wnl ., y,w ask us W doeeyuur a-,., we Call ka`P you v=,Vril open u reopen X- Via nary d'.. a suspaid Ywr ac -rl erd yam righl W oblai., c,-it IN. may do this at envy Him. and fa ary reasw. .'al! X yew 1. not in default. A S-j.-ion .4 yrxlr acewatt can be pm-a,Ilelil 1110rpor V If year :,await is ::lased "-trendeJ. you mist slop using you ivdit car- and aecmrnl You 11-1 also::enrol aX paauthnn,-ed billing a nlgerroo(s to Hie ac,Yrnll. We vAll not do Inds fuf ya:. If we close a pormanenty susp,md Your acca,M, yea must a1=odeshoy all Cmdit cards all.^. account ac ass -1_ks. you must still ley all amwnK yell cove us or.. the as:aunt, eye` it they wore chargad alter year accnunl ix closed a Sn SPalld? T Making Payn ants. Paymanls Valli mail to us yAfi bel credil- to year --4 a, of Ilea bust - day wa receive If. Pmvide.^.'.f l ynu sand the boll- palk,n '4 'Ns slaler,vA and ywr rhock io Ihe enclasad Ianitlance --k,pe and i21 your payrratl Is rec0,.d Ira our pwessrng Cs lb by spa ET 1! 2 menu P'L PWase 0;I, .at least fi-Gi halite,, day= 1[r Postal daliyery- POymeru _11,w by us al any other location or in any dherfmm rtray Ilet ho 'z 'Jaw us cX the way we re-N. them. Cur basin- days are Malloy Though h >f 11 e Atl FI f 1 k 'Nt?.?y: ,Fen .ti k a, p:y,larl f:.?lfo,tr,::i eAII.I In 4.11 r 11: n ,ul ch.,,; 1> r ,Ate [, ,n wVe ?1. ?IrrT, r ., p:f dr,!x,'n a.rca,r! rx to 1 I kl' -?s I ri e, I N I all, , 1-k .; , eke ekc'Iral k. fu+d a :'A"lr,a,y•Fr x- V,e Inov?.Vt arial,u 1 .. I n) Ill. e,' .: -(ayrrwl I an y+:?: N `A1 -/-..1'n-. kt.,,k Ui:n',,, ff ', Ciol •:nh:h;x _,ah. xl n:A Ur h. Ihe:,,.k,:x•m.• J. S- kmpl y- I I - fAiai 1, tx,rY vptcy 1,4"n iI I r.I I-11 Z.14 r .- 1 t _s is . ry fn, i Aa malion:,l yA f-,;,AI.,.t a .. .,i .• rA , 4 ?, ,Y pa•/rna 1 nail, i ,_ c,4h.,u1 "'.4mg 'All Rank,upl^. -:,u11. Ir yr,x: v9,;t to „Aact os about you, t P I I LINi; RI H 5. 41 ARY t ..IfE t- 1 ,,P'N' Irv m 4k 'll 11 11! 3. A t i f I > 'ta - 'r, III i e aF a1 'r 11j. a r. IM ,t tr -1-. fu J' h, th fir -t fills oil 't l- t h 1 y I.,1 It io , , rlw „11 ,.,u 11 a,t b111 or rAid the .l-.I pn41u,'"ni'a.d. . Call I;,, u£tor rat Read- mrlh. rn ncAlh. ,:s try -..it nr ,vatalt. `Ma d.rng ". r,N not preserve you dgCls :. year lorat q, „s mt, fdloviny inf-madkel yea:, nam:; anti -arl't .11.1611, ft. IJVII;V?l ar x I W N.e pe Yed,+nt Jesoipbnr fth ',.d ]1 jl d1 n tPo Ld 4;hy [x, believe ilea a:amrl'. in if t„t,a,. m[relnfcnnafol '.] .:ia' fdion of thy: Nan, )^.w era ursura aN,ut. You do nnf h.,,6 in Iby ally an t fc,ll1411, via ire - fi'ragit1'i.t 51 If M t II.-p , ti parts fix rbill Ma, to VIA 1 au i I.. NMI 1 1- yea-' u' U - A I -I yx+aS ielil ,I,,rt c ha elf amen, belled tie rrr rt:nl -utmhn r.F. 'alR i.l. C.dil 'P-_t- If Y hay, [ M' anti th '1-lily of p 1 a4. or ;.rvi.al that you Purchased vnfh a cradil card and ynu have Mad in -- faith to correct rho o"A'len, with the machanl, yea rosy haze fie ilght -1I0 pay the ramrain!ng ama,nt due on the propady a ., ` .. vv I;ava fbi, pldectkrl airy, Men the Iwr.;haso pica ill than $:SCr Or, and 0- Via, ,„chase a.?s rti^.a ill yu,;r hae slat. a .'hb:in 100 mNes of yalr nmN!ng addles,- ilf w or of-M. the me cram. a if ynu railed yell: ill. wdv0rfisnnx.nl for the wparty or services, AN P-liases era cnvarzl IvgaNloss of amc 11 C. I-a inn of Iw'IC'hasa t pb,.,s,: lanar:fpr to stir all z masP? idel". t -.Dell nn`sRry k, 1.-,_- <aaar:mt.s 'apital Ore sl,ppnds infomc,tial Privacy ported- s..a .a websd0 al'yA'.'w CanAaIa10 ram Captlal Ono is a fWae:IF. Ngislerad savi,,Y: -11, or repdal one Fknaniol Corp[ratk,lr Atl rights Ieservsd. .^.??& Cal,ilal C+'.e Changing Address? Not quite ready to make payments online? Address ........................................................................................... No problem. Follow these simple steps to make sure ........................................................................................... we process your payments smoothly: Home Phone ......................... Q Don't staple or paper clip your check to the payment slip Alternate Phone ............................................ .............................................. Be sure to use the payment envelope that came with your E-mail ` e statement. Using a different envelope could delay processing. Address .............._................... ..__..._._..........._._....................... Please don't include any additional correspondence. Please print address or hone number chan es above usin bl bl k i k • Last but not least, be sure to write your 16-digit account p g g ue or ac n . number on your check. Capit???? what's in your wallet? IT'S STI L9L 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. @) X1009 Cap r.s1 0-rr- Capital O,rP a l' ,all} n(-r d , nd,:r ,.:.zrk All' "kkn FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Due Cate -- ,--- --- ? ,; _ - )ter- r. ' l - - -- r •. $718.11 $0.i}- $14.36 $3?.v0 $801.47 _ Dec. 30, 2005 Nov. DG, 1009 - Occ. 051 2009 page 1 of 1 Visa Platinum Account 4121-T415-8352-2920 Your Account Information TOTAL -;RFDIT LINE 8500.00 TOTAL A`JAII AHI_F CRFDIT $0.00 CRFDIT L I N F FOR CASK $500.00 AVAII A B I F CRFDIT FOR CASE $0.00 Finance Charges IF'lease see r ?e ?e fir impa[ant it ama'ion) &alanr ,ale FNIOdIC Caresiru3n0 FINANCE i apikiedto tale A.PR CHARGE i Pwchases ''6276 0067[4': C 22lfr% 51436 Cash SO 00 0 06322°/ C 24.M/1 SO W ANNUAL PERCENTAGE RATE applied this period: 2791)% i ?------------------. _. _ __- __. ---.. _ - __..------------------ At Your Service bo lt, n+x. ariletrnE: (n l i ac y a A iYO.U ,k i' k r [rsl (? sWk? a N s? an m Cu hrT?r of CA! R*Iw 's ® Pay Online W nnnr_cucit, li :,e wnr or mahmar P:?'me;,l k, C:X:O1 One Bade (t!5:1, t-1 k -1`0 f3^x 71 C93 • Chart+tte, hiC 262(2.1,,•3 A Send Inquiries to: C[p,tal Ore- P 0 B,s 3C285 • Sa I ake Oty, UT 8413) 0285 G Have a question about a charge on your statement? Please lef" to the 91finy Rights Summary oo the hard, Of your alasrnerd fir visil. www cauitalcne comlrfsoules Payments Credits & Adjustments Transactions _ 1 30 IJGv FAST L:UF FEE ywr account has clone oVr-I its (edit limit To avoid add4onal werlimit fee4. you should pay more 3ran the Minimum FaymerrE Please pay elraiyh to Ding you account balanrx L,4uw ym aecit limit irrrmediately and make sme y om ammont balam,? remains below youi c1-4 limit Flease be. swe the Crno inl you pay s=Njntf for any iurme pil0w.es fee_- and finance chary.:,. Yu were assessed a past due iee because your minimum payment was not recefved by the due Jaie To avoid Ihr- lee in 1-L future we recammend:hai you all ?! al leas) 7 bu?inesa, rays for y, In mil rtnnr.i payrTren' o leach Capital :ale. Pt IASI. RETURN PORTION BELOW WITH PAYMENT Oft IOG ON 10 WWW.CAP(rALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number: 4121-7415-8352-2920 New Balance Minimum Payment Amount Enclosed $801.47 " $271.00 - - J ' - ------------ - 1 4121741583522920 05 0801470015000271001 !#9034079546849972# ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG, PA 17055-6278 1111111111Ihn11hIIt I-III'IIII11ill„11(IIlllhlrll I,I,'Ii-ln ORGANIZATION " MADE EASY. Forget the filing. Manage your account online and simplify your life. Sign up at www.capitalone.com Capital One Bank (USA), NA - P.O Box 71083 Charlotte, NC 28272-1053 nIIIII-llIII nltl,II.1111111nIInlr it irlllrll rlllllhI - IIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. ROBERT N-11 RE;FF ". How to Avnld a Finann) Charab. I Carp P-od Y-, 'II I. - grace f-il; of 25 uays .0-t Fne,,- . la fur . - bah r-.et an:fe,s.1 .. .x al I-c ases in.I ., -al o, :Aral, , d pa ?, ,., 'Na. P.-I.. r, :c:mdan^,-.1th fi, 1"ll"la.1 N,Aka ha pay-ht, bNm:, r. L• t m fn, t 1, tn_ ,. n;Bo-; by your µ l"oni't due ^al+.. to, li , .r Leer acva.aa u 1d spans ii:; pa.. f..s. Ir. ,• i.:llc 1.. Indio is . o glace pr+rnd c '! i sa-rte,, n yo,, do rnl pay the 1M.1 t. A O.q F-n"rnc. he i , which ?u,s riot s.:biai to a coed. t-i.: w,! as^_essed 1111 '_ Chan,: y Itum the"J.)?f lY, n'r, ?, in." the dale Ito h. t., a.N..r s I) I . u. Ancc,ni nit rn- the n." C'9.1 - la/ a h.. .-i ndlu r 1-ind Adoitio,)Ay, Nrx, did n,n fly V-, IN.-Bo..x.- In ,Ate fxY.vicars hiifr_{randin full. fi e&-os Coml., to-,nod fo r rrf:i...n.la C untl m,. ii ,sd Wl-e is Vdid in 'ull '-hx• r tw:, s IN,I yw: I—, •.hp rn:e f ,Hn.e-.beiges, w, if ynr, pay Iha .1,Ina _- P.:,lance In.^.i.nm on Ih. front rn "I, stato.,uxll by Ilia r.ynpot d:- dal.,, N't did d do so t_" III, Ix-;,viers moi th 141paicl uric:,:o ch,, g., are 9dded 10 m" af,pllcoblo sechenl cd 1;Ad AC 11. c. PAnimum Fin.-I, Charge. F", Hach billing peddd that tilt sac . I i sNSieci I) hnalCr ch r3e -ii trial FINANCF CHAR3F r4 1;0 50 ill he imp'C ,bd. d. Temp,..y Reduclina in Finance Charges. %vo resell. the cola1 1assess c,"or all h•a ie Oti.n sfor any divan billing P niP.^.. 7. Averago Daily Balance (Including New Pu.chasos) Fivaner ch'aga Is cak; Aah,d by r,ugiplyl .g Ili . aBy balarc. Y I n7 t t y I - h e,l nCha.:e, 'p-ii la. ter, and eperiel pl...;hasr. by me--,poomog chit,, Variodi;; ralaisl 111.111&1 b-11 parvicvsly dl - losac to yor_ At th' f 1, 'ay dunrg aild the Alwg peri m Pp! I aig pe _ f la fans a:ch ari of r w,A 1. mr, na ly hal-- of deer gm.,l. Thar alrthb and „ 41'. Nlhog P-i.d, we add if, the --ins cN Wyse chili. caicuiatinns I'am'.E a1,,- Period.,, In"", chary" ", each sc-,;, iL W, add up the res . from rich -groer1 to at'. at the Ida1 Pc icdte Finance charge fa y01„ --n( To gy the daily balanCO for oach sean.lt If YOar acc-.A v:6 take the trogioning b,ilanra for each sagilrwrt an.^, a..^.d a.,ry ne,v h.lsaiiolts ,d r., pcsNrliic flo-c' chergo celn,Wted an Iha prwious day's balance fur that segment 'd1. than subloact any Paym.:K 0r cn,dps P11.1,1 as of that day Ina, .,a afl-atoc In that sagrrwlI Thk_ ;ayes us Iha s.pamte, daffy balance for aa::h segment day our a:;-oL Hovtiwer, it ;•w fcid,he Bnnce slla:al an Y_ V__ slala,n Ant in lull /n, it N.,v zd You. n w bofar, .,r . ere 0 da. I Iren-..ions, vAA& P.i to your purchase or special purchase segnw.ns art: not idded to me daily balances. !N. cap;.Hie the II -q, dairy talrvlCe by adding JI the coif, bJ,nlca, toa:lher and di,ip Avg the sum UY the r1„rMer of the clays in fhe cume,:f billing c•rcla_ ad alculate your total nuance chem., xlsi y 1'r-+•'r-.,ago daily balaw:e by we defy periodic rat. and N( In. -tabor f drws in the billing period. Du. to rounding on a daily basis or due to nion.ur, named crate ass.?ssm,.nt, There may W a, s•arianl:e b.lrraen this cetrulailoi ard th. amnunt ol Mane. Charge achrally assrsssed. 'I Annual Pc-aNnga Rates (APR) . 'te lar;l'Arru F M d. Rats -y A, APR' n the fr:ri of this slat P.r-a+ i. b If the code P - ,, rledy Fli ,ui. L i:i.: a,t,aty I F,JRI, f'. i a:arto0y CC•i, a 3 isaokc,ud Pnmot app-:- un Ih,; fain of d'is slatarsnl text k, the 1-tonic and :on.nFbndMlg ANNIIAI PFRCFN?A0 RATS -y van uartem "n may „ c.craasa hasaci nn tho i t : iii 6 far d -r 1A, 11 Sir -I fl ,!3 ll . -mum! pavklu.,l, die I 1 sa chanoas ,rift be eRe:;tive cxt Ili f 1 .- ? nt y 1 tiiNirg Perirx,' Covarad by your padod,c sixlax ia11t wl,fny 1 Ilse -on" of lams.Y "I Jl.p d I.•bc•r. C If the coda D,T• 11* Prime, F N. t,ly 1.IF 'R , i Treasury u&JR. ar p+-+.rc on the Ion J. of Ye-11 '401F,11111 1t axt to ma p.1a,,C od.,sy Ili. f.rod ' rates „rid .: mr2spondm9 ANNIJPI. PFRCFNTAC,F RA'E31;1ay vary r,othly a r: may Ir.Crn-or docmasn base on the slated n: icon, as fa.nd in Th. W111 Snoel Juurrai. pN:s rte. rrnyin 11111-sty d,sicsw to V,, hereC )-.s .ill b, aRaclh'a en Iha last day of you, billing Ir.. h- -Cl, It Nt A. %% essme„t of Late, OvarilmN and Raturnad Payment Fear I1ndnl the fa+ms of your .!,t orrnr.agm.sr,onl, wb rosorvo 1N> fight 1. -1- or not to arses, ary fres ,'.Nhrng prior ndificalino to y- At 11 ,:••a Ni.a •u right 1 ass=ss the sarne a' similar fees at I.I. lima. " 5. Membership Fee and Rmr ing Your Acc.,nt If a ambenMP fee appears s,. thh, sfal:.rls•ht. v All -,,N the f.. Nyou rague,t to close. y..r 3c- .nt it v,hhi.i in .nays of Iha -frog of this stalelrunt. Yw n,ay ,nine to use thr -corn during tn. 0o clay p.I:rd b.fore you .quest Ifyou du nut pay all cra.tus weed oo this acCOUr,irvrith in no days, dr fr tiro L,. y:ur cas[Mt card m acrow:t aflar Yn; rrquect to close, any memAwrship fee prevla;sty-i-d may be -.,staled to vu:raccmmt is Closing m Suspending Your Account Y- I-Y -,-t that y'w ac_Ii,I be Clpsed hr calling ;x ymtina ill' C-t0mar R.la.N.ls r?apadnlarl At the lime oryn.r.ea..'ast. ..a All provlda you :A 1, additional dalMls on closing'." I icno1.M_ TMs may Ind... Pav-.t i.lfomrratlrx, If you usn ,-,odd card of charges p,xt to your .ccomri after ya, ask us in ins. Y.. arcrounl. ,•:e can kb.p Your acclwnt upon or reopen N. Vi. may ons. Jr Suspand yon, -nit ani yea right m obtain iaidn 'S. of Z-14 this al any Ills and for any .,.I Ny. are not in . A susli Aycnr o warn can bo p.rrsv,erl or terryomry. N yah account ks dos -0 or suspended- wail m,st sioV using ywr a.tl,t card and account You ; most also radcoi all preauthodzed billing amargarrs.NS fom. gca,uhl. `V. IAli -1 do this to, ycu. If v:a dins. or pormarmilly susrsnd you, -,-o. yo,l row els", daetroy aft ..IN( card aoc a o-I act ss chacks. Yw must still pay all artnunf, yod eve us on me acl,xnlt. ey., a thaw wma, charged after ymr account is closad or suspended T Making Payni nis_ Paymsnts you mail to us vAli be crndifec to your aucou.n as of fhe Wsir- day,ve receive it, Pmv idea. ;11 ydu s.:d the boftom portion or this slalem.w,l ]lid yarn chalk in the alckused IwIl ante envelope and i2) your pay-it is -I-d In our proc.sslog Collet by spm ET 2 noon F-i. Idimoo alkwv of least rive i5y Wsiness days fc,r postal "war},. P.ymanfs -i ad by us al an" nthm 1-10.1 m In .N on,-form ma, no be claditw as of the day .•re receN. Ahem. Our busin.?,s days are Monday through a Noi ie Ab Wt Fledhmmii Check C<xras.•, -; ni. v,u fx,.r:aH rl A {'y. ?I r ;Ill lu us. rllon wixr .nl).,.-1- ,. t, 1.,fa 'r.>;tinn Me,Y.nr'_f itransfert) '0p- 1 ,„d ro+n . ,th . [rim:-rile. ;I,: .k lots •. fns A" ham yu:.lol,ak, cl. rata,. 'in i Jnsfer. r rids may be vitho,a ar .ex alto-.B .,a 11 In" 1117.! dly 1-1 ..Ill rnlrL..,,-. Irt,r rta[k brook [r v-. .,??.:k.W.ra.y 1.:. r:le•nf a,...ic.'.n x1 .I, n; 'r„,,: w'nc p HY. , 5. 9ankm:plly_ you .11 1 d-xd to drr r. t;I1Iiy Ix 41 I fin, m at rr z orr I nc xr.n . , , I, no sane I"N ,rt ;lo fk! nr/ a,y pay "w u'rilhuui syeoking ,'Ath y., bankfupicy ati?•rr•r rr ft" F 1kru Vl Vl?ud N,mf.w. LIJ ^unlo i f IvI L, runs" yJ t kn.;plcy W,,c-dl. J kl .. , .r Ii r;y..1-rl ,n f PILLING RIC:HT3 SUMMARY '111 roes" of Ell cxs cv Ou.sduns etx•ul Yor.r EIII) If y(x! mink wail. bill is vow 3. or 0yo,r ne.-d nc:,q if-14'n on I ^,cr. n Nil -rialons ' asap i I; po - NO al lr , aid ),.s for irmjiriu, `Ioi . rr M., hn,t •f INS s1M.1-il -Wo mist Naarfmm y?u .,)IA, 11:ar1 CG:ir,ys in,, ..It y;. Iha First hill or, edict, the en n - P•uNOm : t {.: an::i. . call out C'uslomsr Ralallons numb. rx n,nm, us h, .nail or visit. rut doing so .01 net pms::lve `; uur.ighis In yrxn loci g as thafcrNOw+ng hYnm'snfn: V_ 1-- -.1, .ntnumb9. the-11. :v -4 ill me ,: descripbon of Ili. or«x dild an expla`allo N (",,line. w w„y y,xr believe than, is no ''m.: of Nyou .sae mne inrorn b- d esrnppon ofth Item Van M tY. of hJri,,n f. y amount in sfc hie .. ..tg.r l,t to rt you ar=., atilt blgalmi t., pay to Paft, of Y our hill N al af? 1r•1 In question.'1NIe svb ion-astigate ywr duespoo, vae cann:A "t-1 y;'n' t !sAnlqueni o, take e y act in Io ard.Cf Ili. ar-jnlynl- qu?.ilnn } Speiaf R,,le hr Credll Cam PurChnsrs If van! hey. a ""blom vAth Iho qn Jity at Ixc•pni t•,, os th.I you purchased with a credit card and yvu heva hied in do- f.Nh to --l ill. pmhl.rl pith the _&,,M, yon .,sly I,— rho right net I. pay ilia remaining arri due an the Pmpedy u s vat ir)ve this J.Na on onh• ,kno the pr,rcrese Price m man Fes, or, and Ina purchase inns md1a in wan borne slate a gimp, 100 mites of yon, mailing ad".-, ,In vile vn or spar "a the merchant, of N,•ra mooed ya: 11,a .d'.11-me t far Iha III, Wly or,.vices all Phases are enxl oog.rdl-of ,smu:nl nr location fn'""d s.s '. Pleas,. mrrntrdor ti, sign all Cn.sR`nd.r:a. r Do- ra.'spa'y a sslnaps ac..rooais ,'apNJ Gn. suppoas lof.in ati.1 privacy pmtectks,. se. <x:, v,•ebsN. al v:.nv cadtalone com C.pitat Ora is a Weirdly registered s.virv -11, of Cepnd One Fkm'clal C:"puali.i All dghls --no ..^ 2xW1 Ore - 1 -o's'i.F;nE Changing Address? Not quite ready to make payments online? Address ........................................................................................... No problem. Follow these simple steps to make sure ........................................................................................... we process your payments smoothly: Home Phone.................... ..... _._.............. .............................................. Don't staple or paper clip your check to the payment slip Alternate Phone ..................... ......... ......... .................. • Be sure to use the payment envelope that came with your E-mail ` ..? statement. Using a different envelope could delay processing. Address ....... _............... ......... .._._..-......_._..........._........_......... Please don't include any additional correspondence. Please print address or hone number chan es above si bl bl k i k • Last but not least, be sure to write your 16-digit account p g u ng ue or ac n . number on your check. what's in your wallet? uuD7 i 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 its 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 cell or pay the arrount due on your stAerrreit hV the auc date :o ehe-inatc the risk of being charged eft 10 2009 C0" Cbfiral on, it n f"A allT rreisrrrrd rani.. urark. dl1 i?brr ""i"d. Visa Platinum Account 41211-7415-113512920 ... Your Account Information -r0 TALC.RF-Elf7LINE $to r ).00 TOTAL AVAIL ARI F CRFNT c ' $0 00 CRFFAT 1 INF FoR CASi 1 $(i 11X) AVAIL; :BI F CRFDIT FOR CASH $0.00 i Finance Charges (R as e see rovers e tol ir,oortanl ;n o a io r) E ,tnrx late Periodic Corresp,n.ing FINANCE aEoied to we r.PR CHARGE i Fu,has:ea 581798 006714'1,:,' 22.cfE4 51391 i S:) 00 0ICM22% r 24 Fk)% so 00 ! ANNUAL PERCENTAGE RATE applied this period: 22-W. i ------ ----- - Q At Your Service v. to am: aritaL e. (rTT I - vcr r ar:canl Cal S Wo :(? .k_/ k c..t .. b l Cashmcr P k sins ® Pay Online al y vnr.caen !. c r.r --hi- pairrv_ra a;: Capital 0',, Pik d SA), N F.O. hoe 71"P3 Ckrarbtte NO 2E272-10t Send Inquiries to: e C3J.tal Ore• F.O. 0»; :iD2Bb • Sal Lake Oty, UT 84 .;? 0288 Q Have a question about a charge on your statement? Plesi e refer to die Billing Rights Summary m the bacE: of your `?':drenli'.n'. oI V;Vrt W Ww i:ap;alrXlP. f;pliti!itinn Y? `Renevral Notice -See hnli -ide. o..`the fast ge Of this sha!wnmT Lx imp'xrant renewal m`amaion related toyour a:;camt Payments, Credits 8 Adjustments _ Transactions 1 10, F0 PA'J r f F FE - -- - _----- - Jo 2 Mo AN OWFRI r ,iT FFF laid LYE 2010 ;C fk) Yax acco-m! has gone over i?s kiwi! limi: T o avoid addtional :wedirrrit fees yaj shwld pay more !han (he Pinniurn Payment Plea::e rm Hnxrgh to xmg pit accamt bahnoe oehw yrxa crerit limit irrimediatek/. and make Swe your ac?,ormt t,alin„e remains oeriurx your cfed. hm;t Please be sine Jre amaani you pay aca,un:s fa any fuiure pracha: es fee_ and i;,&ice ohargea- You were assessed a oast 6E. fee be?,ause your minimuvi oayrieart was riot ieceiveKJ ai the due lve "o avoid this fee in Lhe future we recommend thatyrxt allow at lea 7 tcjIless rays for your ai rtinrum payment to reach Capital Ckn:. RE [AS! RE rURN PORTION BELOW WITH PAYMENT OF( 19G ON TO WWVV(APIW ONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number: 4121-7415-8352-2920 sues U:: New&OBalance Minimum Payment Amount Enclosed ,- 38 1 $337.00 -- ---- --- - - --- 1 4121741583522920 05 0895380015000337001 109000679546849979# ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG, PA 17055-6278 r11i11111,11111111111`11rlllllIIIIIIlnlll11II--IIllhllllnI.-II PAPERLESS STATEMENTS Stop waiting for the mailman. View up to 13 months of statements anytime-online. Sign up at www.capitalone.com Capital One Bank (USA), N -A - P O Box 71083 Charlotte, NC 28272-1063 1111111,1nrrIt lllrll`It III 111.111]11rr111' lU`11` Ilhllllr1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 03ERTM REIFF 1. How to Avoid a Fin.:nce ,'bingo. 3 G41rn P , Id Y,., .In :n,.: J , ,. _, b lVr Lei fa'_ r P It'CI ofl.J r., life: pa, 'V 141 "N.P..lal 31Y.:)nia" ..ith lro lrtnn tali N:boiVI poy^.b;:,5 b +lov:n i_III otot-I. to el...ine:: [ry yIa h:'-I ..^.als ,uy' .P.Ir.d asr .. ,,d sf-i, 11.. fen- 1 .....sir t, lbe peso, ary Irarsactlc" If yol, 11, I, It ra.v 1h, t.fA '1'iewB.1w,:e ' b.A ingF Ch g soh l::,i I .e l- i. t^]nr the ia, -..f tri.? ua : non the 131,: ter frar..actn,r (x ?, rr ) _u A...r _I o 3 fc,` h, f"'t CAa f f.h Iblll;ll f dl IP•. T' ,di vr"Ytr. N" Bat ref Ilito bnir ?.W oat1 fun. In.dc-e chc,gIs"b III ,, .s to _ 1- I rlth PS bol p ..d i? hn ihalyo Y till.w? fl . en ifv raybe .;N Ne P.dar -,telex, rise fr,M,Y yc 'slel.ni+nl by lha Nyn,e I- .:lc Met o-1 lid dos [• 11. p.•i.,s nexth UnP--Ad f' n,cret a,.s ;,-'d ,-d to We afyldublo -g1-0 of v.- A.ccor,nl_- r NN i-o', Finance Charge Fo eaCh hlllnuf pe,ioC •t ]I your acruul.t is subied l t n sue 0 me. a .u.I imP. rsudrr Iola) FINANCF CHARGF 1,( $0 50 Oll be d T-ipsy R W udilxt in Finance Chartres ,.a':, ,eser. e the dghl Io •?ot acsass any or elf fir?u•' Chal'.:e5 kr cry giver. billing period 2. Average naity Balance {Including New Pun:hases) F , .¢ chwc3 is •:alc ,Wod by munirilylrg lhz ?ily :Nano e, P r. h._?, spv of I-sfw, -1 p'.x M ro r -_ by the corn:spondnlg daily periodic .e(s) that has baen previously disrlosud to you. Af the w,d of each day during n,e billing Period, ,e 3PP1y II',o Gaily Peliocic rata for .xch ..I c t : rI I- li=e fly hal..-, of each .,L n' 111. fIIa Mllmg Penn;:.-] del If, the lesuns d theso daily ,: alCUla;i:ms l0 arrive of y..r periodic nrance ola.- rut each sog-nt. W,3 add uP Ilse esults for n eiij,ott nf- at the total parrodl MI.-. bog. t "ut -o gel 0. doily bale n for snug' 1 ff - [ I take lh b,,giont J but Lfo f gl la e' y I. - Ic ,., owl- f' n I. •rge -Icutal - Its, I - .,ay s hslioico furlhal ,ego a,l %V. be, 104-1 ai r P41-t5 (,r -Its 1os1.6 as of That day that to aI D aloo to that segnw,l. This ON., us the separate "ally balance for •och sego.I of you a;:c:wr,L Hu-. If you toad the New i3dance sh- al your pr-k- s1a.Imrunl in U1 io1 if yuw clew t alanco vras zero of a credo em>unf, rev. IransacnDns vrl,ich prr;.I In your purchase or special Purchase -nnntc are col adtlW to to daily balances. IM, c 1_1ale the ov.aoe telly balesce by adding 311 Iho daily bd.1- logether and dwkid ,g Iho. sum by the nu robe of the clays to the cun.ll billing lyde_ To calculnle dour Inlal nuance shame r IuMply 1`o,r average call, ha once by the drily pododic mto an.^. by, Ihv r.un[,er of doys III Re bilnnq Period. r__ to raundi c, on a ^aily basic or Cue to rinir:wm rr•ce chase ussessr?,. ?1, Were nay too a -ea-o. beiv.2en [his calculallc.r al:d the amwnl of III—-charge --o:YUalIY asstxssW. i. Nv:u,al Pr -tege Role, (APR). n.-7.1-•, Amu P-VYagLFl' ; .:pf :err as "Ar•R' b If Y 1, P 1 ty P oL. I. 1 fy I IP Jf. 1. -ly C'.. B-k .rd P'.. _df Va I',f-.N A II 1 slalnr w I ra 1 ID W. p ru W,o, W. {.mods. mils a.... ..npohding ANNUAI PFRCFNTA,nF FATFS 1d V1 :. rad.:rlt .:r.• my nr Ir. lease d-__ rw5:,l rn Wo "Mori indw.,, es for `d rn'To w.fl i3l zt ): :r•.., I. I.,. ?? tle o,ii;o ! --k, dil:di aC to y.,. These All t ettec Nye rxl the. ro'l t:,:7 of Vwl... cl,va:xi by 1"... ,wnobic'let ...it an; n,g t 1 the I.Irn,s of Jai -y AJxn. Jl.ty d rYOt.?r. C. lilt .. Ct. flty Pd. F'N. thly l.!F R , iT o-Y IJBOR, appe- or, r_Ih f l ory ,6.tm rent t thP eta, the odicoles i"d -f l I a ANNUAL. PFRCEN A('F RA.F. - - y 't.ly: .y irons., old 'bas,.: o' ;h,,. lfltad r k. s f. d if, The'Jr]n h 1 I .oaI PI s It 4 IS'd IC 1-- All'. "r h . , I.,, n t day of y'. hill c pa fo^ ac rn.,n .1 Assess .+tl. of I Me, 0-ho' 4 and R-bf-d 1'y-.1 Fees I Wn. W. Ierms of your c, stood, li-oilt, v+e tY d M o.nr•e x lid l 3 lc` f ntnlR +ini _:rlkn ? W vm ,'ot v I. dyM ll ec same t. sirv;. fees a1 a We, Nine. 5. Mwnbaship Fee and r e-Mnq Your Account. If a rnanN>"r f"'. oWes" an this stela-otr "a M.tll Crodit 1ha lea' you reguesl to dose l,-acr,ount Mir, il, In days', lha .:-,,1 9 of It's see -1 You Ii,, cWliruve 1. use the _Ml dining Iho JJ clay V.IW lo,4-your r';yuesi. I1 vrv dJ f!d Tray all &--i- ''red or this eda,url Yyntl in 9O "aY3. or if y:.: use y-, ,,oil card dr cc,cl after yrw'requost to close, -y roernbership tee provl-Ir, -Ned -V he --Idled to y[ur account. r, Ckuing a Suspending Your AcCWn(. You rr•: y rcuest that your emoenl be closed by "Tig o' _"17 ..uslonrer F44.9 =_nxipadment At the new of yo-:r lagl:asf ., c all pmrk:a you :Alh addition.) Mans on c forma ya n __.V This n'ciy include paynlentwfc,-.ia11fyau use off .ed.t car: rx charges poll 1. your -nl net yoo ask us to dose your ac-A. we can kaw your aC-11 open :n eopo , tt_ VJe nrey closx or suspend y..r exeunt and your light to telaw orenn. eve clay do ells at any Ile and To. 1.1.y .vu' A Y.w..ro rot In do"'. Ar,sj-o , of y r o t Dccou r c n be pon-oft of h;rrporarrr_ If y'"' `co I I, .lewd 11 I.Wendev you rusl slop usu'g y'w dodill card artd a;c ow,t You must alto :a,Cd aft III- Z-c billing anv:goerrerlls I. the ii-.A. We Mill nit do;his furyou. If we .^loso or pormnantfy susrerrl Yrau o: sou M, Vol must also deshoy all cladi; Cit..^:o and account access r1;eUks . You mus; stilt pay all a-M, you ova ux un the account. arm If thrry vvere charged Ills, your an.o M Is closed of uslalxler 7 Ni Payn.,is Pejoiai yo: .41111 us will be wWnad Iu your ace= as of the blsivess doy vie rmei a n, pn,vider !-I you said the bosom portion. this stalsi a id ar.d your check M the enolused -Int lice anvalope and i21 yow peyrralt is received In our pr.;essfog -b* by 3Vm ET <2 noon FT, Please It,. .11-1 MH i5) to,;-ss::cys fo postal dali'sor Poymerds ro:.eirad by us of wit "It., Iocallol: or in any ob. norm my lid be C-`"d as d the day - .-Iv. them 0.1 business days am M.,d.y through 6 Notice About Elecb.l c Check r',x,v.si.r `NI,w •;I h k.'--f V >nl V 'th a ., -7t Ile r. r ( yo 'r 'J'4,6 t k m"I " ,so kY i f 1 1 f 'f d'fr la 1 n ..h,ii.,".nl31 ALl1, 9ans?.h, r. Merv , (,,rnv;b, frt n V- c'ho- 1k tom„k[; a fund us -m stool. h: ,d=rue) be"Ohtlraa. W., you cof-il 1 _ Ih:-ralzf dory .,n: le:.ei •n }:.:r Tiy-l. I : - II C.,•I r _ :l : "o, 1 'roll, ha,k from to f ,:vrn; iul nnl:ni:x,. Y . aulhod.-OA.• lira lin:i - b•j the ':_k W ..::ck `N.•nt:?re.r:lr II ., ,. ,do-.tr.,r aLV - II Ietumrs: w is • BaIknl PICY 1fy,,u-r Nfloi to b]rr;,.f•ICy f A,,clic. :.. ? r t th his . 1 is h f : sal . n t an xa 1. dl 1 ..I o 't :I.Dri -on , .,y permits Y,., u. "Jill,-1 'i.I'Amig Gilt You, r•ankrupcy all .o, Y the F. k py C,url tl 1al b. ly,.l 9 Y'- b Arln:.l fx1;ra;dil'J fl._le sc-y-s,1 .n xt .o1v Ins i Pltl A .? RI -H SJMr ARY 7r .,asv r,r Ff- ]r ur vsnor> ]bout YU,j, Bilk If Y1x. Ih.kF tz bill is arwng Dl nya. serf _I-f .r . ,ors a.vii r,. rMil -A.lol l :rl 3'Wo l,. total a: s oo- c rKasiNo at Iho add- for ingeiri,s shd••n`,m fha Br.vt of iNs sfatar:Ienl We roust hoar from yo!: no lelw that', KII -; Y, on. eel Yo,, thef tbin on ..Bich the o-or p.1,1-apf•ual,d .. .can nw Gusli-I Retelll Is .areal I. nofihy us or mnall or vvri:sile hot doing so will rot pro--yoor dghls In xrr Imor. f es the foil ing n-fnrtr•:t y. A lama ar^ wnl our e, the dollar am.,nl tithe UpGY'd.v de..criptior Df IhL error and w, -pldlali.y ;f VDS=_rble. Drf u?ny you believe Ih- Is an en.: or Irv- nee" more infoo,tallon. 1 ?lesA,Ilon of tho It.n Y.l ara unsure ob<ut You do r.,t h.-, to lay any annum ir, o-ftlel v; file we -f l- igaling it. W1 -11 3rs 5611 Dbli.^_.aleil t'l pal• Ing parts Df yrxlr 1,01 that Ua c(t In au-Kliw!. VVh.0 a[-nv:.?stg tovwr 4-,ho.l..r. a . ,a".I.1 y.l 2s dalin ;uer7 or lake any echo, to celled the Flivioo t yon: ryu3silnr_ • Stoi Rule Lc. Cradd : am Pnr^hr?rs If yol. rave .. problem rrtr th') ljo.bry .,f 1 _ -0 fy - ••+ s that you Putchesea Moth a credit card a16 yo I: h WWI fii g ,-d rank to coore"t III a pnYtlont ant. the Z ""Ill ou my ho:, the tphf not II pay the remaina,g also-, 'I due ur. the Pr Pad, {r .,o es v;., I:ave Ibis Ixuleclion -11, MAmu Iho F.,rd,ase oat e s to than $55 Or, and Il,e f._b as. Moss -no ill; ys,l I"". stele . vAftilo 1 OO nines of yin nr Alen add. -ss. ill vve or of,eralo the n cnaM, or if -maned Y.: the adrertlsenY+M for the proporty or s.vices, aft p dares are --j Inganllms of anlcx:nl cm location M t+,ml,ase j Pleas., renronee, to sig., all ;:onesp,rd.l,: a. t,^-, W,Pp;y to A".-, s ar.ro:mfs I_apllal Gee suPpons told -alit., for-Y pmlecli,a-.:s.,a .;r t'?ehsft.'t r: M.1'? CaPIlal.le noR, C.I.Iet One is a fodl idly r-Pmlered s.,1- -1, of Capital Co. nnandd Corporal{.,. All lights reserved 3:2'006 Col lit Ore O,rxsrxt .r, . 1 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 `O 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. ROBERT M REIFF important information about your accouiif Enclosed is a revised Customer Agreement. Please keep this new document for your records as it replaces your previous Customer Agreement as of February 22, 2010. Capi?? At Capital One," we are committed to providing you with honest and open communications regarding your account with us. Over the past year, there have been many regulatory changes that have impacted the credit card industry and OUr customers. We are enclosing a copy of your new Customer Agreement which contains important updates related to the terms of your account. Many of these changes are the result of the Credit Card Act of 2009 and recent changes to the Truth in Lending Act. Please read the entire document carefully so you'll fully understand your rights and responsibilities as a cardholder. As you read, please pay particular attention to the following sections, as they have changed since the last time you received your Customer Agreement: • Interest Charges and Fees Mailed Payments • How We Apply Your Payments • Communications • Changes to Your Agreement Thank you for choosing Capital One. We appreciate having you as a valued customer and look forward to serving you for many years to come. Have questions about how all the new laws and legislation ( ? >) affect you and your credit card account? Find answers in our easy-to-read "Guide to the Credit Card Act" at capitalone.com/financialeducation Please send questions or concerns related to the enclosed Agreement to: Capital One Bank (USA), N.A. P.O. Box 30285 Salt Lake City, UT 84130-0285 We cannot process your payment if mailed to this address. Our federal banking regulator is the Office of the Comptroller of the Currency. CA ?-7w- (c) 2010 Capitai One. Capitol One is a Jed rally rgistered service mark. All rig reserved. ?pital(} Your account works differently now that you're 7 payments late. Please see the next page for important account information. Page 1 of 3 1-800-258-9319 ' www.capitalone.com/solutions ban. 06-fcb. 05, 2010 ,*n:, t:ple IMtt,?,T ANT ACCOUNT U PDA) E S VISA PLATINUM 4121-7415-3352-2929 ?i.ilh li-•i?r»tr-_ti}pry..at?• ate taL:-d. b,?ls? NEW BALANCE PAYMENT DUE DUE DATE feN t ,ter. The ? ,ot t Y, uv? n ; cdter A 5996.23 5996.23 PAST DUE '? Availehl fTedtl: Sr 0: ' Previous Balance Payments and Credits Fees and Interest Charged ---- - -- --- - - Sd953B -- SD.DD t SIDrta5 } .TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR ROBERT M REIFF #2920 FEES 1 -,C r4N PAST 6U;- 539.00 05 FEB R; r, F:'.INIT Fti??F50'i, _'U1C 53900 `Mal =ees Tbis Paiiai S78.c10 ''Aal Fe_as IhWfaar 515600 INTEREST CHARGED NTEK ST CHA.RGE:'?'!;RCHAS[S S22. S5 Total interest his Period 522.85 Total interest?his'+eai 53876 Your account has gone over its credit limit. To avoid additional overlirnit fees, you should pay more than the Minirnun Payment. Please pay enough to bring you account balance below your credit limit immediately, aril make sue your account balance remains below your credit limit Please he sure the amount you pay accnuns for any future purchases, tees, and finance charges. Transactions continue on page 2 -------- ----- - ---- - - -- ---- -- - ------------------ -- ----- PI_FASF RETURN FOR 1 iON BFI OW WITH PAYMENT OR 106 ON TO YJWW. CAPI TALONF CONVSOL UT IONS -i0 MAKF YOUR PAYMENT ONIA NF. 1 4121741583522920 05 0996230015000996231 Account Number: 4121-7415-8352-2920 Due Date New Balance Payment Due Amount Enclosed -------- ----- ------------ Pas[ Due 1! i 5996.23 5996.23 ROBERT M REIFF 104 W RAIN ST APT B MECHANICSBURG, PA 17055-6278 11111.1 Manage your account online. JU Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 2417 without picking up the phone. Transactions New Ealaace - -- --- - -- - ---------- -- --- - - --- Capital One Bank (USA), N A P O Bux 71083 Charlotte, NC 26272-1083 IIIIIII'III"IIIII'II'hIIIII„IIIIII"II'I'III-II"I IIIIIII'IIII 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 paymens. 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) InterestRate ------------------ Purchase; 29.40%D 5915 !I S?) .35 Cash 2940%U 10 00 S0 .00 Please make cheda payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 11. o, I love an I avoid paying Interest IThar- Fach month you pay your ?;- cal-ca" ,n Tull, will hate," ,g., s`r+•d, -1 day v;:h nci rha,ae altn-1) t h.,:-s 2)h lar_. r+f -,j six, W;r,n ha',-.14) other charges If -yuu h-I- ) rrYour - ':,d1 '-1. • . r. ,qt, a,,,Awd and y u de an, ,, Yr„ xi bill -ntl n • d+ ..,,. "11 be„ ed Th"u"s n. goat" p•nod.•,rash a d,?., 4"i":: can st.. o, . t _ w l T---t- vhc :h::,= is a,, unpaid baila x r f,nm a pr^r•rnus hill New i, the I a t 4 harne .+ppfed:.nt• r f-- s at cn,e inn, the 11 da[r of rhr .-.. } A:. c th,. n., -+..,, v.d c r it hr. ,: aleada, day of III, N11;- ps,ind. I, ha.' - u,l.,d ar_ .T it a paid in :ult. T his n ns V". "ay o,ve r ,Ut Lh,,It" I IT -11 t u pi th",n, +v 'NSw 6.lance' one month b.,; did nn: do - fc., 11- --h ,ms t' paid in' h-9,, a r addc4 Z. The proper szgmen: n• your .srrnunt. ,.v •, r.n -?r It., 6jh 1.,r ailts,,1. hatJCS e t a,y fir .e a M........ :n lal-t r1, minion". NIFRFST lK K.F :,: trr Sn will t se d?-- r m.h Ming p•,i.A 1-. a. s v,bi-,, t ,.crest charge. .tow M you ":elarlate the Interest Charur'! Tnere are sc-yrrel ;alcula:wn? Thal are !Wed 1^ :Y:em,ine )n -A int,-1 rha,I), 1 T^ pet your Daily Bslonre: For rich sPgm,n!, '. Take h N_,; xnng twig"+rP end -Ad in a- -,a and [he penedx rut as ,.harge on the Iw rvinus diy s I,.4 -.r s h -a , .ny i,asm:its and -lit, `or that s q m -f that day the In :hc d,.ily balance f aeh sea .nt. Mo,,-,, rt ya, paid your prey rnth'I I,::la, full inr 0 your' halan a - - !dit ",--0. r w tran-Tiorn v.:rth post IT, ,n prrct- 'r I -cial rn, h grants ate "eno: added to the daily tralances. Also, 1 a+ .un "hat .ubp'v , qr , r 1 iod a ..• add A ro The daily M-- i 1 v find ,e t1+ilY Fal,a- I I dd the daily balancet,gtth- antl 21 dwid, -,h, un, by the ,vnr"r cif days in th._ t0ha,: ld E, irate -11 'til Interest Chary,: ? ) rtwltiov Y',ur wage daily 1,M-P bj The daily periodic rate gad 2) multiply the result by the m,rnber rt days in *he hieing Iw: iod. AOTF' Due t,, rnundiny or a minimum interest chill pre, :his: alt uta:tun roily ,vary fn.m the inTTires" charge a- Mall, ass:-sled. ,K the "payaw,: Rte" a Pav.tf PrrruurrtI I, I, WI s•a:ed amounts are ov 1 en Ih,• date of the Ho_-. he', l=.tt harq- 'nd other charges night :: hanq,- turn day t dTy as puvrd,d in y,n,r: n 't r age to Want, nce a ar due om the day you pay n,ay be large= For eaarnplr-, it you ivy :he am?..nr slated in this satemc-n:, yo . ant might still he ay a Mlar u, r+as r - -I Also ante that the y difte, it r unr you osve r ,a you'yr-rn:rrrd? seR,a l Y arprme .tPlease c alf the nurnlwr,,a he fronto' the ,,-t to, an .ail ","T -Iona,. glow can my variable Mnual Percentage Rate (APF0 change? Your AM roar increase or Aecre>,se based on one ,t sn•en standard indkes rrporred in The Wall Street laanel To find ,which clod,. is a ed tut your -al. k)ok inr a cod, r,P, t, C, S, D or F) en the front of his '16, n-, nest :o the APR(s). Then check the Tilde br k Cade a- to your A-al Percerlrti Rate IAPR) Index which your rates are based on When y- Annual Percentage Rate will change P Ou.dwly Prim, r,wair, pevin,sly discl.s,d to you Thn first day d Ira I.. 4oednly LIBOR - margir• 1-i-A disrin,en to you filling p,iodc dial G Ouade,ly C:D+ nla, yin inr v.irx,sly di=closed to you Y, April, ar , B .4-d Prima a margin pm,iously disci-ad to ya, at, and O ctnWr. D Mu,tl ,IY P,ao, - n,algi, peon »rsly di5A,v,,x1 to yw The firs) clay ,A „aril: F F PA.+Nrly LIBOR + rnargh; pew, ,:sly ciisckrsa.i to yn: fl billing u a.ny 1 IROR + margin pew usly disdosrci m ya. ; p aix. Are there Additional Fees a-latexl with my account? Yes, under certain cimemistenc,s. you may be=sses.11 a 11U, e, Rrlurnrd Pay-., Fee. You may also be assessed ovedi- fern if >u have c h.sen to a;c apt them. Y. will ills, M• required to pay all of our --1 culle,:tinn er. pens"; .=.ttnrnrys' fees and coal! cash unless the taw does or, allow us to c.11"I there ants. We reserve The right m not assess tees ssiri-I pion noti[e and without waiving our right to assess z .tmRar fee later. What happen, tf my Atte Burt Is 5--cled7 We may close or suspend yuu, account and yuu" right to !'I'"" :,edit at any vim and Tor any ,,:sun, even if you one not in default Account suspemion can bP permanent or temp.rar)•. It your account is closed or suspended i) stop -in) your: rrdit card antl account, 2) cancel all automatic Wy"e"t" "ij destroy ?+ II credit czrds and .=,r-ass checks, and al pay zN amnunts you cane us, .wen r they were charged a:.er the ac; rum was closrtl I,'n't-ded. How do 1 Fdyke Payments? Pzymenh you "nail us -will bt ?:-iited I. you, accouat as of -he b sr s, Aa• ,h - I,ng a.: 11 rid the honour yw,. , .rt ,hr. +y r he:k , h -dowl nd 1)yuu, i,ay„rn• is ter rs ell i.. T On. po.° i+g-rntes by p ;.."at I.- Plrase Ali-at lclost-- (h kilo .,,.y,+?. ,or1 d4i,--A•t,.r?Payo .s•-ce.vcd by Capt"l i"nt at,. -,.!he, lo„r.n ay n„ I-, ?isT ,; be rod led as .` the da::h,y "er-. rued. Do you Frio,- Paper Checks as an Fier-t. nnic Funds transfer? V,hen -1 , r;.. id.•:. r h+-: is horse r,, a nd our aFj-T, h, a c. Of IT, I. r, t f,. r? t n. , y: n A, Ix yr a, .r [ :n to Ix.rc rs h,. p:. .. trek T,ansa, "c ". Wh-a clot vm.. -,: from r.,,o heck to make on LI, 7, -v o rn d,: It, thdras !,in,, fposit -o-it v, v. , tti. ,a y... u F-Mrs., and you ssad not rP-wvr y,., the A back. trim yr, ,r f e .n "al +,. ett +,I In,m•d by th, dare o, :h,. heck. We Wray rot-a-61 , rd •.I• ,.., 4, c-iliac- The .r+nr m?A pa; en._ - Wh,at0l file f-Ftanlvupt,y? if you ilia w,;'r1eA I-, ha ksn-vIx otc:a ,. r .r is to, ia' m,.., enlY IT not n --p( cpllr,cr, r r.. .- - i, h: +r.D? ..aid r. 1 v litho. { akin") vv th y„ hank," t ! • :h. R ,nk :,p, - It ,is h,-vim 1 :err.. s ah„ +: ,. r, ,rat or nu ,krup[+ 1 it .,• ...r h"s ley- .s 1. yvr y-, rr t.,n:v ,uld Ike t. . ., hail -.I v, u"., 1i-,-dr. nlraa„ma-. l),,, PU R.ra SV67 W.h. rd.... i., n, Poll VA ws; m S St,MMARY (hoes tool -t"Ay T:> S:;all P,minPSS :sic:,nnhi Whot To rh,!f You Think Yuu FindAMitake On Your Staten"-rrt: If you :hint: th-.-i ..,. in n Brat:Tito" -do, to u- ?,. yapi:alDnr r. U Rex ?:)] FS Sail IaI P City, UT 84130,+-0285 In y.... lrn t., give us the T_Ilowiay info:rnatiun: and acccrn: aun,her tolla, amount- the dollar a,noau: of the su y,I<b-d e,r.r. I-S,-scr puny :A R-,Mica: it y,.u Th-nk the' n „ . n Y'm, hilt de- Ire they •; Tai.-.r-, nog and by y-•u b,litw -lake. nut. n-Zusanti, rsr,• days a'•rr Itx-:.r. o, ap,eared n , slit,, of any --:ial,nors ia.)ring Ynn nary call as retry us bywebsine, bat it ,as: to s,, are nu: required to investiy-atr any paler,.i.f . nA rynn nay have I. 1; Y he arnn g ,,rr.m 'A hAe - rout 1 ,,..who-!-.I ,u, [hx„ has be:-n a , rho u11w.s+ng We - --l Try to cralle,! !h,- amount in q.l.,, ',P-! you 11 tldinif-aZ .n that a ,un t. r-,u H. not need Z. pay any rffsp,TM e-a- and r,4, ,d i-mr charges o, tee en r,n:il we d Y. rocice oho., The In-,, o- n , asrigatino f The charge in qn- rsa n,ay remain on y.urrsa[erarni, and the roily continue charge r-`t on that amount. R.I. if, we dc[,rminr th,,T .ve mad" a mistake v r,,,It as, h- I, 1:.+p them - n quas any interest a otherTO,— , Hated to that am,.ua[. While v.u do .:have r, an t. pay the amount in question, p r.re r sponside ter In, I-sinA,, m y.u, halanre1 Ynur Mghis If You Pre 0;',t sfied With Your F -I ft Card Fiw,haces, If you art- it,,,, d with III, goods o. service That y,., hour I-: :haled +,iIh your midi: caul, and you h-, !a.:i in gor,d Ia ith T. correct the pmdPrn with the raarchant, you nay have the. right nr,T to pay :he clog ar inr III deu- on The purchaw To inr this right, all of the !odor ing n st b, oo,- the porhaw s: ha,ee IT- ,ode in your home e, n within 11X1 milts of your : P ,.)ailing arch-. and the purchase pier rain; h-, bin, mar, than b50 (Nile. raerhe,r.!11;hew - ace. "y if you, Fa,rchase - N-11 an an act-is.aaen: the mailed To yon. o, if w•. :own, The c.rnpany that sold you the goods or se n.) 2. Yo. T-t hate use-d you "edit card I,, the TO chase. Purchases made wi:h -ash advances hem an ATM." with a check that at credit card account do not a,aliTy 3 Y rt hater fatly paid to, The pi-ho,, P all of The criTeria at,,,, are art and y- are tdI Cusati, ied with the purchase, c marl u, m voting u Capital One P.O. 8o., 30281 Salt take City, UT W11'.11-028: While estigate, the same ,Is apply to the disputed an)nunt as discussed abrwe Atn•r we finish o,x imrsuga:ion, wv will rill you m rte, ision. At that paint, if eve think Vat owc- an --at and you d. .I pay a may rrp.rt you as delinquent. Capital One supports intenntation privacy protection: s- vebsite at wvW,. rapitalone . cure Copilot O a federally reginred sen,ce mak of Capi`al One Financial C-pora,ron. All rights ,t..... net C•I It Capital one 1C= i, To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions cl ?? Take Control with Online Statements Managing your account online is easy: Cheek your balance and view recent activity View ird print copies of past statements Pry your bill online Sign up at: www.capitalone.com Capita/ F:.ye 2 of 3 1-800458-9319 www.(apitalone.com/solutions )nn. 06 - Feb. 05, 2010 31 Drw, in Billing t rile i i tv ?,a?tlr t r lit. ? , •JO '. VISA PLATINUM 4121-1-115 635) 2920 i NEW BALANCE PAYMENT DUE DUE DATE 5996.23 5996.23 PAST DUE Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 539)3°. -- X0.90 -{- ,lU)85- li + 50.00 ! _ S99fi.)3 I TRANSACTIONS CONTINUED You were as•,'essed i T> ,t due fee because put rtinor.um peyrnent sues riot received by the due detr. To avoid this tee iri Ow futon, wr ieannmerd that you allow a1 least J bm.iness days for vour minimum para-t to reads Capital clue. Now that your account is 7 payments past due, the changes detailed below will apply to your account. Hopefully, these will make it easier for you to take control of your finances again. Capita/ - Your balance is still due ;;nd we'll contact you such (directly or through a collection agency) to discuss options for resolving your debt. You are responsible for paying the full balance on your account as we 11 zs any associated collect'ons expenses, attorney fees end court costs urless ,he law does not allow s to ,ollect these amounts, as provided in your c_ stoner agreement. 11 the (ontlnuc to send you statements, you'll now receve there quarterly instead of monthly_ We may co'rtim;e to report the statr,s of your account to the credit bureaus, unless prohibited by law. we rray also resort 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 nor you to repay your balance: 1) No more compound interest: This means that future interest charges wi I never accrue interest- malcnq it easier to pay down your debt faster. 2) Highest interest balances are paid first: Your payments will go toward the balance with the highest interest rate first automatically saving you money whenever you make a payment. 3) Regular payments will resolve your debt: Since your highest interest balances get paid first and your interest doesn't compound, making regular payments will get your balance paid. Call 1-800-258-9319 to discuss your options. And remember, you can check your balance and make payments online any time at www.capitolone.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. 2010 Gtpiwa One. Capital Our is atederally regr [ered service mark. Ad right; ,-?(-,d. 6t Take control of your finances today! Call 1-840-258-9319 to get up-to-date information about your account and make payments. is not too late. Call now to get started. C.-I Pagel of 1 1-800-258-9319 hRi_ )4 (p8, )u16 ! W W W.Capltalo n e.c o mjso lutions VISA PLATINUM 4121 741S-8352-29A) 'fo_ hi n?> s e t -i?mdY_ 911 rc r NEW BALANCE PAYMENT DUE DUE DATE td: b, t .e -d M p py t;f , a d ?n F t e I h, 51,148.65 S1,148.6S Past Due i dr it yr i.,:, mica,; dao?+ prtr p?y:,vnt agircm•iti ? Available Credit: S0.00 Previous Balance Payments and Credits '1,083.12 - SD1>(t + TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR ROBERT M REIFF #2920 Fees Interest Charged New Balance ( so.DO + tiS.S3 j = ( 1,1 B.rss FEES rAal Fees This Period So.00 L.3al Fees ;his feat si 56 CC INTEREST CHARGED 1 (18JUl !NT[RSr Cr,?KG? ,_. ->, 03.9u6 IN9LBST Cn'aRGt S22 03 Q sFP iNre RFST Gti',RGF s22.C3 iota) inter St T 11is Peiibd Total lnteiest ibis Year '65.53 si9i.13 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent vvill he happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Yom Annuai Percentage Rate (APR) k 1l., aornral iideresi rate on four arwm.t. Type Di Balance, Annual Percentage Balance Subject Interest Qtar ge Rate 1,APR) to Irderest Rate _ Interest Pzar ing 26.100°, S?96.10 56`,53 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LO6 ON TO WWW.CAPITALONE.CONV50LUTIONS TO MAKE YOUR PAYMENT ONLINF 1 4121741583522920 8 1148650000001148656 Account Number: 4121-7415-8352-2920 Due Date New e>aiance Arnumt Encased Past Due $1,148.65 ROBERT M REIFF 104 W MAIN ET APT B MECHANICSBURG, PA 17055-6276 Manage your account online. '?is4 www.capitalone.com/solutions to ina^age your account online. Have Iniormation at your =ingertips 2417 without picking up the phone. Capital One Bank (USA), N.A P.O BOX 71083 CHARLOTTE, NC 28272-1083 rllllirlr'I'IlII,IIIIIIIIIIII?I,I,lrlllll??rlll,lrlrrilrnrllrlll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How he Interest (barge applied? In1tin,Q damps ar nr from the 1; date o` lire _., . r ;late the Iran>jrtMrl 17 poces-,ed or 5) lf,t calendar pay of @Ie billing pelied_ , .. I -i :- -,..I. -I ve; y u Ipei 1 er,:,unt outil it is pat i in Lull riuA r ?•e rf*,m,e t Il..... a IIreIt"t:tfaiueS at -y 111:11 rims d:J you Calculate the Irderest Otarue? !here ate °.everal talc datinn<that a:e !rsPl . .P n y, u t pal interest rha'PF. ?n I I n ,ily al_n e 1Y late the ny+ent tMlance born •P-Iren your account r-1D I_ Porh:1 av Rif, ui+haatile I ?L;enf= :Ie,Lta nd 3:Insitve ids -svf ,_. .. 'hP recoil r, the c{ally inter .lrs piing talaoce. ?d y- .r ..eraq? J-ill IMerz>t .eaurlg , eran,e '3 add the rlaiiy interest L•__=eriny - -n t-.1-ri,Fl and i' IrAf F rte a1m t? [he number of days the interest rata ^'as in Est : - ; ?r rote Interest Cj"iu4e. 1) multiply your average daily lalance by the duty .,ennu :IP and t` rpultiply dr. te,uit by the number a' days the in1Presl rats -s if, edP't. r are -. onnaliq balaf)re --Ij shuents, or mhu led payorents, this calculation may .<Iy? I C:t-i:d?+es[_halgr aClunly +.aPSSF:1. k the 'Payment Due' a NX011 mouni7 No. Al stated aFoii ale Dwed on the date it Ient. Ho;=FvF• IXcau>e inl rr %t. 161P'118 s and JthPr charges might change _. c. la I - day as jfi:raie l it, v1 a :t"Itm:er allteenent the amount due on the day you ;M< it ,y tie urger ? Prample, N you pay the amount SIAM in this slatemenl, yonr migld still hase ? balance liter your Peoirrent rs received. Also note that life aru art r u a=:e ma, litter if: yoti se entered into a separate payment arrangement. Please ,ail rl' -.uruler on & hunt or Ih ctatemef,t?or an Fzact payri amount. Are there Additional Fees as?ocialed with my account.? fes, under certain dicumstan- ces, you may be assessed o Rehllned Payment roe. 'tou r:ill also be required to pay its all of :;ur a'tual collection expenses, attnrnays' fees and court costs unless the law does nit elloW it-, m collect ihe? F amounts. We rFsHVe the right to nr,•t assess fees •Alttrnut pic,f rrJtice and ,ithoul waiving our tight to assess a similar gee later. How do I Make Payments? ayments you mail to Capital Qte will he uedited to your -CCDApt as of the bininess day they are received, as long as. i) you send the hottom rr:nior cd this atalement and ynW check in the enclosed remittance Fre:elope, and 2) ;our le yment is received in Cap tat fine's processing centers by 5 pm local time. Please aflor,' at !east 4.e ien il) bt.s,n2s: days ^.n In Rif delivery %,ailed raymeIts recervrd fly C=pita1 0ne at an; dheI location or in any other unit may not be credited as of the day they are received. Do you Process Paper Checks as an f_lectronic Funds Transfer?Xhen you piraide a ;heck as payment, you authorize us and cur agents either to use information from your ;heck to make a one little electronic fund hansfPt from your deposit account or to process the payment A a chP(k transactinn.:%,Fn w.e use information hi m your Chi to make an electronic fund transfer, iunds may he wthdrxcwrl $nm yur deposit account as noun a. the Satre day xk leCeise your payment and you ::=fill not receive your check back. from ynor financial institution. Your authorization is not limited b',, the date on the chec We ruay re utAnit and Plerhonically cnllect the returned payment9. What it I file for Bankruptcy? ii you are entitled to ban4auptey polection, Utis communic- ation is lot inlour ation offli it is nut an attempt to collect. assess or recover a rJebt of claim. Do not send us payments imithout speaking with your bankruptcy attorney nr the Rankruptcy Calm. h you have captions about your account or bankruptcy proceeding, pease have your attorney contact us. tf you or your attorney would like to contact our Nankrupicy claims servicer directly, please contact. •Taprtal Coe PC Rox 85167 - Richnond, VA 23235 5s61 tilt I INC, HIGHIS SUMMARY jR)e. Nd ,I vllgn, '_r , :I lsu r _...?amoun.) Whet To Do It You ihink'ei f`rnl t IA,a '7r wr VatemenC ri? It you think lhrve i an enn+ on , n t t-iiPni.. , , rat. Capital One ?. „ ., 302tii5 Salt _ake (Py. J' 441. t ! 1OS to Y "Ill f tt r rIr=° 11 1, f )lion n?j f i t . j,-l: A court mf,rmahao. 'Sur nai re rd - :It •I • tn: •Dollar tnom 1he'Inilar er• tr f t., + :•r • De, ripi.n ul i'tulhi Ii youHf;;k ,t+e:- a it :f+y' N11, Jr:urbe n.he; }uI, believe is mret and Athy you hehevr it is l _I P 6"l ctrl contact if,Rhin 60 de 5 ahPr the error appeared of, oIU ;U!sr -t You rtrm ",1w, "' 1'i' Hly Pool in +niting ,u ray Call n, rxft i' y:m :it. a ale n"! I'q{tired tr. owe .hge(F -my putenha' enou and yal may h. e to pay th- -m. u t n , r_ :Pon 5'yhile n•e Inv= tq,te ,hether vn nut 11"le has teen an Poor the t i 1 " to + L^.'e canna tq to Lolled the an onol in au^ i .r' !ri ,-1kt pu R-, dNin-iue,d .,n th,; amoant. • You do nol need to pay any dispded arrruu+ t rid i-W-d !nietest Charges or tees uoti4 we send you a nntfce atnut the outtri nu nedi? lion. • The charge nr .Jnesfion may wi r..in r yuor W ,Held, and n:. may C:'Mimi- to khan), ymI interest on that amount Rut, it w^ JPI`I inr that mar .aJP a mi'JAP you Will Irui have to pay the amount in question or aoy irterect m od..-r -ePs related to that arncunt • 44bite you rto rot have to pay the anr•Crnd i..-. r-chin .mill . - send you a u Aire ,loul the nutcDme ni con investigation, you aIe , -,pop hJP trn the IPmainCler ni yen: Ii,131 e Your Riots It You Are Dissatisfied With Your C.redil Card Pwdrases it you are dissalistied •A..-ith the goods of -scoces that you have p uichased -.pith your n9dit card, and you have tried in good iaith to -upcttha potgern with the merchant, you may have the right riot in pay the terneininq amnulJ All !11 11119 ponhese To use this+pht, all if Ito iollo,.adng mucl Ix Hue. the purchase crust have been made in your horn- state or x-ithin 100 miles nl your unrest mailing add+ess. and the purchase priI e must have been come than S50 (tJatP N'e'ither of these are necessary ii your p rv hase e=ras hated nn an advedisement ;v.!F IrrailPd to you, of ii \1e risen the company drat ,old ycu `ha g','+ or -ervicesJ 2. You roust have used your credit said for the purchase. Purshasas made with ca,h advances from air A_i h or •Arith a check that acc'e5ses your credit card account do nut qualify. 3. 'rau must not yPt have fully paid for the purchase if ail of the aiteria above ale met and yDa are sill dissatisfied a:ith the putdiasP, contact u; in wlifin7 at Capital One V_t;. Rax 30285 Salt lalie Cdy, JT S413C-0225 While . ie investigate, the same rules appal; to the disputed amount as discussed ali Aker .,P finish nw investigation. we will tell you our decision. At that point, n "i think you owe an amount and you do nut pay we my report you as delinquent. Capital One supports information privacy protection. see out rebsitF at xmA_captal sw coin Capital Of* is a fedemlip Iegisteled sesice mark of Capital One Huanc ial CCnpofation. All fights resetverl I?12010 Capital One To change or update your address please call 1-800-258-9319 or visit www.(apitalone.com/solutions It's not too late. Call now to get started. (t: Capita-_? ',, Pagel of 1 1-800-258-9319 www.capitalone.co m/so lutions wµ oa - Dec u6, 2pw Take control of your finances today! Call 1-800-258-9319 to get up-to-date information about your account and make payments. VISAPLATINUM +lJl i4!S-?;57-2=%U IM?CRTANi ACCOUNT UPDATES NEW BALANCE PAYMENT DUE DUE DATE Y`n hIll hA,xCis due. Any payment you,ok., win a-duce y •ur ha,=.nce and help p,+y ce yom d?in fa•.tei. the ?mir:ut ywi nw• lrey `14-- if puu'.r:r Fi3reC ir1C a r.•paair fay?ne•i t aqu rrG••rt_ _ $1,213.47 $1,213.47 Past Vue I TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR ROBERT M REIFF #2920 FEES Total rte, This Period so CIO T,.Ial Fees This Year S156.00 INTEREST CHARGED I Oc GCT !rlr, :,S`CrkitG. S,1 o. 13 Nov ANT Rt_s. ca?;??c522 C8 as r:rc. INT; r;sT c?=.-.4c,r ,? ;; Total ntl,st This PeiiaJ 564 82 Total Interest Ibis Year 5255.00 I Available Credit: 50.00 Previous Balance Payments and Credits Fees Interest Charged New Balance 45.55 - YM40 + 1 )U.00 + S54.82 = 51,713AJ I 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 J 'Tour Annual Percentage Rate (APR) is the anneal interest rare un your arnnud. - Type of Balance Annual Percentage Ralance Subject Interest Charge Rate ((APR) to interest Rate _ InLlest Bearinn, 25.1 i]i;'Y SQ96.14 1 s(i4.i) -- _------- ___ __ ___ .. __ _------ _____-________ PLEASF RETURN PORTION BELOW WITH PAYN4ENT OR LOG ON TO WWW.CAPITALONE. CONVSO1 U-[IONS TO N4AKE YOUR PAYMENT ONLINE 1 4121741583522920 08 1213470000001213472 Account Number: 4121-7415-8352-2920 Due Date New Ralance Ammmt Endmed Past Due $1,213.47 ------ - -------------- - ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG, PA 17055-6278 Manage your account online. Visit www.capitalone,eom/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. Capital One Bank (USA), N A P 0. BOX 71083 CHARLOTTE, NC 28272-1083 11, 1, 1 IrIIIIIrrrIIl IrIrrIlJl,ll'Ill Please make checks payable to Capital One Bank (LISA), N.A. and mail with this coupon in the enclosed envelope. How is he kderest (hartie I,Iph.It ;detest rr:?e_ roue fromr the 1 j :16 IF o` the taro 'n j [I,.[, If,, an-arIi- r - ,>t?res°.ed o: fir; calendar day o', the filling period. '.ntr•e,t dal IFS at-r i. -n =.erp ; k I -In:rl riI unli t it i' oa i rn full, How" 'e" s:e ra=ve, rF h. . I In r d a°.s tr-l rq. ai a:n lint[ How did r u fac.iale Ina Interrsl (ham e? here are Z r I cJculation, that a:, used to W mine your r rt?rest d -n jFl } mr It il,'? hrnr 1. We the nn -I lame horn -glen your account iii :10 Ha Ptm f day afl-,obiraa it., p Yi n !e its ".It -dju,tl,!Fol, a, of !hal :t_;. !,he result l. lie r=d• int- _--ltreariiig b laoce. to rd your dyer D: iiy ha t P+oiing R lane. V add '.tie rledy interest bearing I e, I'i)-fret -,I d-sidF rr,; :um [r? the onto bpi rt days the interest ar..!as in -. :Sri :ate your i to iteiest i1 -iqe. 1? multiply y im a;,Inge daily balance by the daily' pewidi; rate and ;% ! it,otioly tl'e r=,ud by the number I days the interest rates :as in F=F-I. O e: ':Ve try ram•lind baiarn F it i`O:rua. n return it pa r ienG, thic cote ulatioo I,- &I v L• cm the rSe,e 1 :fcffile lo'.: a=seesed. is the "Payment Due" a Pa)moff ArricI No. "A stated amounts ate o•nred on the date -st the statement H:,,AP Fi becau°, irh.est. We charges and NhFt charges might change t!ow, day to day as fe u.'ided in yr -r :ustomer agreement, the -mrcrnt due m the day yuu -Y may be larger. -.r _; Fto.pie, If you fray the amnnnt slaleil in this gatemenl, yom artond night dill hay, a balance alter voar pa rr ant is recekre t Also mote thetthe amount You -.m•e m , direr d you :e entered into a separate payment arrangement. Please call tti.e number on the host o' if F -t.lemenl for an FK d pay if amoorlt. Are there Additional Ir-es associated with my accounl:' fFS snider cedain tncum;tan CF5, you may be assessed a Rebnned ?aymFill Nee. You rill also be required in pay ns all of oni drhr.'.f collection expenses, attorneys' `:ees and coin asts unless the laoa- does not ,flow cls to collect Ihe•e apmoni, 01.9 115111e the right to not assess tees Anthnirt prise notice and without waning Our right to asses a similar fee later_ How do I Make Payments? I nymant5 you mail to Capital are will be wedded to your acraont as of the business day they are received, as long as. 11 you send the hottnm preform of this statement grid your .heck to the enclosed remittance en;elope, and 2) yont payment is recen,ed in Capital one s pmressinq centers try 5 M. local time. Please altos at least ;,en ;7i bttsines, days t.9 mail dFlivery. tailed Payment, t _ceived by Capital one at any r.•ther locatirn w in any rdher turm may not be ciediled as of the day they are received. Flo you Pocess Paper Checks as an F-I-ectroruc funds Transief! '.Barr you fttovide a Check as payment, you authorize us and our agents either to use information from your cherk to make a one -lime efechonic fund transfer from ;rill deposit account or to process it,, payment a e cheek transaction. :'hen s" use infOnnation dmro your check to make an elechonic torrid transfw, iund> may be Withfliemifntro ycrx deposit aUOnnt as soon as the saline day .ve WOW- -morn payment and you Will not receive gout cheek. hack Flom your financial institution. Your authorization , not limited by the date on the check. We may re^.nbinit and ,let u nically collF:l the returned payments. What it 1 file for Bankruptcy? If pmu are entitled to bankotflty prolection, this cummanic- alion is for intounation only, it is not an atlemrR to coflecL assess - recovw a rI ebt , daim. DO not send IF, payment without speaking with your bankruptcy atticney or the Bankruptcy Cond. It you have questions abmd your account or banbuphy pro(eeding, please have ?out attorney contact us. If YOU Or your attotpey would like 10 Contact Our b,Inkrupbcy claims setvicet directly, please contact Capital One Pv 3ox 85167 Richmond, :A 23235-5167 KILLING RIGHISSIJMMARY fl'-. 'J:)t,?pgdYoSr,:aEl ,urn ..r.inR.! What to Do If You Think You Lind A N4islake On Your 9alenienC t yon third. tbere i,. an err": or. ,. n ta FI- i ire to !s al . C _ ooll One y,w I IF .lti.F ir,tfe fuhoi+.,ro n1 n,iatiqu .,.? i.n I u.,uTeu„o. 'i O,u liar ie lick nrnunA nurl><. . ,?.,Ila. ,uau mt be dirllar ar,OUnt n. ihF r.uyxi.?d F.u,r. • O S l141 i ,. i YAeu. g6n thnk tfe,F i• all n_n ony u L II sin f he'll -1 ao2ng and lity you te.!e.e.t is am -lake it ft Jo s:'l-Ilheeuurajywawd•myour "Wer "nt Yrnlmulnli', ru i. to' o. nliny rm n ay call us, tilt if yin do e ate not t . L -re -ny iwtenba! °rr li; and -,cu I n'.1 hax Iv pay tha amount in ue-ti?n ,phi) : re .ti;_iate :areth°r .,I nfA there It's Leon an Fnw, the `uilow g .,IF tine. e cal:nut h} to collect the 11r.1,11411 ill qup:fi ,n, r; ;Fport y u as ueLr 1 raid :m rba nand. • You de IlOl need to pay any disported amuurds and related mtetest d a s _:rndii wF wend youa crime aIbi:dtfIF md'nme :,' out'nvestigalion . The - ;,arge in qu_ lion may rearm Orr ywr _w,itent, end ?•e may c ni In ud l" .bra:qe you iotell't on that amount 3ffi, if o•e data rare that tae r e 1F a mi,trile yuu ?'Oi out rare to Jr- the amount in question or an, interest of other ees whted Ir ti--.I a_luwd. • A.hrL yin rlo mu have fu pay the amount is qua--sliun until al, send iou a ni•hc, - ,lain the ul vF of n measly gallon y I ate rest ble fir flu ,em ai!ule :.: our balance Your Rir4vrts If You Are Dissatisfied With Yuur Credt Card Purdiases? you are di?satistied with the goods Or -.erne 1, that v m have purchased vdth yauf credit raid, and you hasp tied in good faith to cruea the pro. bleu: with thF mar nzut, you may have the light nob to pay Ife iFff airing amount due on IfIF pxtlrlla;e 'o use this right, all of the foilo`.adnq must be uue. 1 he purchase most have been made in your home state or :eithin 1 W miles of yom current mailing arldress. and the pmuhase lnice roust have been nioe iliac 50 (Vile: Neither of these aye nFcF"ary It yom puchase •as b'aSFd on an adcedls_mPnt :+;e mail d to you, Ot Ir 4T oA:n the company that sold you the goods or crevices. 2 You roust have used pair credit said for the purchase. Purchases made •r-!ith cash advances nom at. G.t V nI -Pith a check that accesses your rredit raid armunl do not qualify. ;.'zoo muso i?'t yet I-e fully paid for the purchase It all of the criteria above are net and you die still dis,etified with the purchase, contact us in vsitinq at Capital One P.O. Sox 30L9'i Salt take City, UT 84130 0235 While we investigate, the same rules apply to the disputed amount as discussed abnva. After we finish nor investigation, we will tell you cur decision, Al that paint, if ra•e think ; nu oA`e an arfionnt and you do not pay w^ may teWit you as delinquent. Capital One supports intormation privacy protection: see our ?reb;ita at w-xw_capitalone.(rim Capital One is a federfly registe!ed saivice mark of Capital one Finarial COtpolatiun. All right reserved i? 2010 Capital one To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions i 6t Take control of our finances today! Call 1-800-258-9319 to get up-to date information about your account and make payments. It's not too late. Call now to get started. ¦ C--, 71m- Page 1 of 1 1-866-258-9314 - - - - - - -- www.capita lone.corn/solutions uec, m - near. ut:, 2T,, I WSA PLATINUM 412,-74tS-8?52-2920 a PIAIAN"ACCOUNTU-AIIs NEW BALANCE PAYMENT DUE DUE DATE Yo nr mr c.A y0 d,rri tater e.r 'r. ip µv, ctt yorrc _m . I u"', may $1,277.57 51,277.57 Past Due drfnityoa'-r. rucn ,nma,?p3?reL yr„ntaq::•reur. Available Credit: S0 On Previous Balance Payments and Credits Fees Interest Charged New Balance ,1,2i3A7 - ;n.f;(r + I - ------ -- ---- - 50.00 t 564.70 1,27i.S/ (TRANSACTIONS PAYMENTS, CREDITS& ADJUSTMENTS FOR ROBERTM REIFF#2926 Help is Available. FEES '. Mal Fees This Period 50.60 Just pick up the phone. ?olal Fees this 1'=ar SO 00 INTEREST CHARGED Call 1-800-258-9319 and a specially trained aged: o;ill o;=.ir,ra N,ee-sr a ?,KC,? sue' W ' be happy to help you check your balance and make payments O& rE3 '.Nir E=S. C?'vYCr ,72 C3 I . C?!:•":,"n '`J-`R=Si CFSRG $1994 r l;t e ' reed S 64 INTEREST CHARGE CALCULATION re t lhr, brt11terel leer ? t at 1 64 0 So . Your Annual Percentage Rate (APR) is the aomr ; iolerest rte or. pour ar.emd_ Annual Percentage Balance Subjed Type of Balance Rate (PK) to Interest Rate Interest Charge Interest B,P_arin!7 26C% 599602 I SO411 L- ------ _-_-__--._...._._._-_-__-__-._-.-..----__......--_ --_--__- _---_-_..---_-____--_-_-.___-.._. _ PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SOLtJTIONS TO MAKE YOUR PAYMENT ONLINE 1 4121741583522920 08 1277570000001277572 Account Number: 4121-7415-8352-2920 Due Date New Balance Arnormt Fndosed Past Due `01,277.57 I `?- -- ROBERT M REIFF 104 W MAIN S7 APT 8 MECHANICSBURG, PA 17055-6278 Manage your account online. Visit www.capitalone.com/solutions to manage your account online. Have information at your -ingertip5 24(7 without picking up the phone. Capital One Bank (USA), N A P.O BOX 71083 CHARLOTTE, NC 28272-1083 JIIIIrLrI,Illl,llllllllllll,frlrlrlllll"?IIIrIrIr,II,II'II,III Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How i_ he Interest Charge apo6o-dy Iiderest t ,. u,en the ''.; date titre fransc :m.:1`daleif, hauacirr f. yxor?sse„ 1-d.; day, the billmij pmind '.rum! e_! I-rjiz S -(Fru° of awry c, en:nil n I:, irisit tAr.Hu!+eVer Aet ,::e ri td t lif, es .a huwesi -t. 'l. , al any tl,.. How did you (Al Male the Inhere t Orarge? hw _: se' -.I alufia!i:.are. that are use] n def -rrmre your i r l rote ; t rh. -n 'let r,.n I)aifj n.lan(F. 1i tare the "on-I ,hr n;.!u! ado ins '111,91,,°.?ifi•r-,,hdayaf!er t;.giacttire u! ti,_r:iaiiju,,illI.,a,f that a y. the resU11 r 11 e daily h ! _, Lean:-i h F rc:.. . io'!nd ynur .•ve.7 tylnto! 1tLar.rl ra id try rilied t-ennq tMlances tog-tnef and .-; di,ide tt, ,.m by, the nrr t:..-. ;: hr mine-teat?s n area 3. Estimate your Total Interest y1 gee. 1? rnulriny , n;r nsH. r ,f- sly glance try the daily ,* iod;c rare arid 21 mutiifiy if,, rr,Ud by the ! ! t"f daps the ode,=•t IaIF ire " t NCi Dole Lr tmmaunl, balance rIjusWlFr!,, it rtl ::-d p,•,r nis "ns rakt,W on may :dry !r:nn dYe inlaresl charge aclu fly -sa-d. Is the "Payment Due' a Payoff Amount., Ni,,. "i stst-d acnon"t' are owed an the diie 't ale stateetent. Hose:er b> cauae inl rest. Imp !art - a,,:i urhii•i harges might change `,rnn Jay to da=; .=.s f-arie 1 :n you :-I%.,i:et age _ i rh, amrnrnt due - n tFra d+? y.ou isy r.,ay be laryer. vamp:e, if y:,u pay the ane-1111. .rated i? this staler*!enl, y;uu account fright stiff have a bMfance alter your pa, r _ u - r=;ef ed. -`g10 note that the amr,unt you .fore In di..ei if ynu`.e entered irM . palate payment arrangement, Please call ttfe immter nn tlr flout W firi statement for an sxo,t ley r; ar•nunl. Are there Additional fees associated with my acrounty Yes, under regain ciuui ces, you may be assessed a Rehrned :'ayment ee, 'foil i11 also he required to pay is all of our acblal collection expenses, attorneys' fees and lure :osts unless the lain does nut allow a to colleri these amount. We reserve the right to n„t assess tees •nittnrnt pint nonce and without waiving our right to assess a similar see later. How do I Make Payments? Payments you mail t: Ceplrel •:Ale will be ;;edited to your account as of the buwiiass day they are received, as kmq as. 11 you ;end the h olitorn portion of this statement ,r d your -heck in the end osed remittance eovetoPoe, and :? your payment is received in Capital One s piocegsiny centers try 5 pill local time. Please allow at least :aEn 7) business days fo; Iliad delivery Vafled Paympr& received try Capital One at any other luieI m in aoy r-4hef litm may not be nedire I aa-, of the day Ill 'y are received - Do you Process Paper Checks as an }lectrnn-ic_-F-unds_Transier? When you provide a dreck as payment, you ;uthoriz us and our agents either to use information fl cm your check to make a one-time eiectronic fund ttansfer from your deposit account or to process the payment a-, a check transaction. l'fien,.Na use information horn your check to make arr electronic fund Ifansf_el, ?u1ds may he •withdrz•Nn ftoer y_ur deposit sit account es snon a; Ilea sane day hit IKPise your payment and you tt•ill fill recrve ruin check back from your financial institution. Y,-,ur authotization is not limited by the date on the check. We may resubmit and Jechuricaliy tolled the returned paymerds. What if I file for Bankruptcy? if you are entitled to bankmpcy protection, this communic- ation I,, for information only, it is not an tempt in ccdled. assess of recover a debt 0I dairrr. Do not send us payment- :afthout speaking :with your bankruptcy attorney or the ,diiu uptcy Coral. If you have questions aboIA your account or bankruptcy proceeding, please have your allomey contact us If ynu or your aftomey would like to contact our Cenkfupky claims seroicer direciy, please contact !:apital Coe Pi cox 30285 Salt Take City, -T 34130-(:%8S 81121NC RIGHTS SUMMARY (t. ` Nnl Aj4ply t'! %fre What ro Do if You h'nk run -:nil A Mi Make It YOU Vatemenl: '.t ynu think there r. -n .nor mr n f tern°! t ,site ti, ns A, ... '%)K 30135 ;all LAP (fly. HI 34 _!. or y'nu 141H, gi r !, 1-.. r.y Jnrt oath:,n •A._oml n'rnr atr.m. :;u oar nn l,cfmut nor,:frf • )tlkat uirmit te "I aher rr I !?th=w.p,(I de ra •,i stiltiin,I lAe!I, l' yo: I luktIwteis u u rrnry ,ell ibo? hat -m cs. sieve f ..,ono an i ii, h' YOU tkill' k It is a n lst.ke. it'll M list contact u , dhl.l ;,0 ,rays aftei "i ener apyeafed au yunr sTaIemwd. You 1lnr.t uocfy u5 of any J.,Irnlial e!r?!s in ,,hiny u fray call us, NO if you do ne are fort -Ini!ed in ur ve>ngzle any lx4enhat ; Inc- ani,t•u nra'r ho t t, pay th. m.rnot of uestion ilo ile we in:°shgete xhedtec ,f not 1111_ 6a5 tern an Hmh, tl:e'ullc-xiny It' !In' V,re cannot irp 10 culle'tl rhr amount in :rue-tiuu, or rep urt yr.n es deliuynent nn that amount • Yon do 1101 need in pry any fJisiwfed a=w?rtnts and reiaiea nrlefes::ha u"_. A !des until ..e send yon a notice ab,nt the Outrume o' JUr it restigalion- • Tire change ill ym-shim fray fen: iu or: ynur stair'';°ul and - mey -!)rime to r tia!ye you interest On heat amc,nnt. i± n:e deI^IIIIIne flat We ?.dr a rnist.te ynu •rc,If nut have to p v the amount ifr queshon if an; interest ,I other -,a, rel-ted to that anonol. • While yon dl, n it have h fray he amount ire q, "4ior! null qe send you z n,dice Stfeml the nut - ne of n m "siigatirin, you ate re-p-r ilde Tot the !enatnfLr Of ypnf baldnre Your Rights If You Are Dissatisfied With Your Credit Gard Purctrases' f you are do,,5?1 tied with the ^yoods or ervices that You have ptrchasad mth your credit card, arid ynrl has= tired it, good lJth to correct th- pfoniec, with die merchant, you may have the right not in fray the rernairfing anunnd due on tire 101(ha"F To use this high( all Or the folicaina must be true. i The purchase rmist have Iren made in ymrr home state ur within 1(10 miles of ynu! current mailing adder ss. and the purch05e price mnst have Iii-en enure than SSO iNotr Neither nt ffrese are necessahy If your prrichase ?a5 based oar :an ad:ertisem•ni e:e malled to you, Or it me on?n the cnrnparry (teat old you the good; or Ilifo es.l 2 On must have used your credit card for the purchase- Pirchases made with ,a>h ad arri from an M of •-Mth a check that arcesPS your credit card account do not qualry..3.'rnn must not yet have `ally paid for the purchase if ail of the Uiteria above are met and you of e still ;ii>satiit ed :%tth the pus chase, contact us in x9itinq at. Capital one i'.C. Box ;0285 Salt Lake City, OT 84130-0230 While we investigate, the same rules aptly to the disputed amount as disrussed abnvv. A'tef vita finish nor inveItigalion, Ae will tell YOU Saar de( ision. At that Point, If we 111114 y;,u olme all amount arid you do not pay we may tepxirt you as delinquent. Capital One supports information privacy pmt chin: see our •r;ehsite at ,vmw•-capilaiooacran Capit,l Coe is a federally registered service mark of Capital One =inane ial Cnrpil atioo. All rights resered !? 201 1 r apital One To ctlarlge or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions n, 1 6t Take control of our finances tic Call 1-800-258-9319 to get up to-date intorrnation about your account and make payments. It's not too late. Call now to get started. Capita r Pagel of 1 1-800-258-9319 www.capitalone.coin/solutions mar. 09- nn. nE, x; VISA PLATINUM -1121-7415-3352-2920 IMPO<rANracCOcN-10"Ar_S NEW BALANCE PAYMENT DUE DUE DATE r: r nc.y,,, ..• ilk, ^ucc pow L--.?znd L•rlpr y _ ?. '.hecv,?tt yai n.v'rrrey 61,343.10 51,343.10 Past Due d!t-- it e'-: a 1 i ., u. -- Available Credit: ',0-011 l' Previous Balance Payments and Credits Fees Interest Charged New Balance `=i,1iT.S7 - SQLCI + I SOHO f- TRANSACTIONS PAYMENTS, CREDITS & ADJUSTME NTS FOR ROBERT M REIFF #2920 Help is Available. FEES Tntai Fees Phis Period S0.00 Just pick up the phone. Total Fees This Fear 50.00 1 INTEREST CHARGED Call 1-800-258-9319 and a specially trained age-i't4611 1 !? r"PR car Rrs a acF S72 CR be happy to help you chPCk your balance and make payments. !]?!•. :'df '.NTER?Si CP. ;.KG .,21 37 0?lUN NTEREFCr;Ri,F ,22 CA "eliod r otai al nLate h s s Year Si '6529.6 53 INTEREST CHARGE CALCULATION .intpre,l lha'fear 'four Anottal Percentage Rate (APR) is the annual interest ship on yew a;Counl. Type of (Sal ancp Annual Percentage Balance Subject Interest Charge Rate (APR) to interest Rate _ i InL lest P.ealiml Oc% Sa96.i0 I 565.55 Pt EASE RETURN PSJRTION I --- BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COWSOLUTIONS TO MAKE YOUR PAYMENT ONUNF 1 4121741583522920 08 0134310000000134314 Acc ount Number: 4121-7415-8352-2920 -- Due Date New Ralanrr Arnamt EndOSed Manage your [ Past Due $1,343.10 ,_--------------- _ account online. ROBERT M REIFF 104 W MAIN S7 APT B MECHANICSBURG, PA 17055-6278 Visit www.capitalone.com/solutions to ma-age your account online. Have information at your ?ingertips 24/7 without picking up the phone. Capital One Bank (USA), N.A P O. BOX 71083 CHARLOTTE, NC 28272-1083 dIIII, I g,IIllrllllllllllllrLlr1,11111-III If. 11. Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How Is .he Interest Charge applied? lotetrst cf,,gins en tae fu m the ") :!"la of the Tans. Z; date I liar s:+ lion is pmct•oe l or ,! lv t eel=4dat dap o` the r it inp peti::.i nom !p ar t- r r r ry u•q,a•r1 amount nil it is tat I in i dl- Ho." cP iecrue the tight I ; mt ,,PS ?,teed 1 hatges al any time. tiuw did you Calculate the Inleresl Cliarge? There are_ -e ,Frl cd1mWict" th-t a; r' 'rse I I- dPMnnure yr,m total ?ntete,t ch,, ne. -u pi 'rail? A L uce 11 take the ctu i, t lh lao,a Inns ,^.hen i.nn a.-o mr ,hacj, 1 I For ;-;h Jay of ar „rbtratt the ,aayt ,ruts, :rte tit . <nn -atu.ir , n s :., ih t &y1 her 1!1 r th daily int r t L*aF'ru lNl r _ o d lu.ul ,..eia7F ., ,Iy lul I Rearing ,.alan_e- 1 add ttte deny r. t ,:ariuq `clan lather and 2; dlsude ttx um try the number n`. day= the mt@w,'t cal as in e @-:1 '. tstima e your i cta: Ineresl CTrrge I; rnultipl, y -ur average daily iulmr . by the d-ilr f,rnodir rat and r" mnitii the te;uit by the rermb?I A' Jays the interest._ e s. ill Paint. +0 ire to court,Lrq, 1l lance adjmun rat s, or renaIli pa.I!IIs, Ytis c I,o1,1i:m 1' ay vary !i i r the inlet=a 'haute actuagy e.sessad. Is the "Payotent Due" a Peyotf Amount' No. %A :tared amnuntt art 0,Ared on the We 4 'he state.:rent. hOx•e:w tr'cau;e infcr>sl.lae,harrtes and 11th,; Charlie, mr]ht dhanue -rom day to day as t>' died in yam .ustorner agie'ro i, the :-mount due : l d P d.; rou Jay may he larger N JYample, if rou [say the ai staled in this staterrenl your oceour t nriahl still haye a be ante ailei your payment is received. Also note tf,atnl amount you owe may fitter If you:e entered into a seferare payment at fangemPnt. Please or r h' mauler wo the Ilwrd o! the stetelui !III an exact prymf `o11-11 1 Are there Additional fees astocialed with my accounl? fes, under c=itain;inurn•.lan ces, you may be assessed a Relined Payment rte. 'full tAill also be required to pay -is all of out achral culecnon erfienses, attorneys' fees and rout costs unless the law does riot 4L- as to Q)led these bolo s. LVe resHVF the right to act assess lees •Aithi pion P acrd without wai nag cur right to assess a sirular'ee later. uOtK How do I Make Payments? Payments you ria'd to Capital Qte will be credited to your accortot as of the brliiness day they are received, as long a; ' 1 you serad the hwBwm portion of this statement and rwur check in the endcsal remittance envelope, and P. your (eyment is received in Capital Ole s ptocessimi centers Lys 5 km kcal fime. Please allow at teat seven (7! business day; for mail delivery. Vailed t'ayFlents received by Capital One at any Alter location or in any other firm rbap not he uedited a-, of the day they are received. Do you Process Paper Checks as an Flectroruc funds Transfer? When you provide a ------- ------------ check as paymerit, you authorize us and cur agents either to use intormati wn from your dleck to make a one -thee electronic fund nanstPr from you deposit account or to txocess the payment a a check transaction ..S'hen we use intounation from your check to make au eedmnk told lrandi oind> may be wAhdi from y ur defnsit account as sour as the same day one receive your payment acrd you Will not receive your check tuck 6om your financial institution. Your authorization is not limited ter the date on the check. We roay resubmit and eledrwoically coiled the retuned paynti What if I file for Bankruptcy? if yon are entitled to bankruptcy potrction, this commonic- alior, i; tot inlorrnation ooh, it is nut an attempt to collect, assess or recover a debt or claim. Do not send us payments tadhout speaking with your bankruptcy attorney or the Bankruptcy Court- If you have questions about your account at bankruptcy frroceeding, please have your attorney contact us if you or your allon>ep would like to contact oil Lenkmptcy Claim5 seeker directly, please contact. Cafatal Cne Po Box 302.45 Salt !akin Gty, UT 34130-C1155 B!I l1N6, R6HIS SUMMARY iDi e_ Not Llitily to Small t,u s 4,1 Mal To [it) 11 You fhink You hi A M!stake On Your Slatemenl: 1 , ecru think. there is an error on your staterneV ;L° to us al. (,piton One .... 30'35 Salt Ck. C ly, U? 441 3(? (. ?3ti -u y. u I tier .rise w. l h ILn+ t J mtur 'bin. ;,-cunt ur .nmali„n: Fur name crud a,-...nut r amfri. • Dollar amount. lee dnll-, aw, r ni .ti lire su fii tad e;rer- •2t ndi. blear. I; you tiwk these is all 11rou; a LII iesurh the rr tulieve is krona and xhy you belipw- it isa n. t kP. ten rust ronlad a .in:in oi: clays after the enot aipeared ou your 'Joel Trent 'rou mu-.t notify n; of any pul_ ub'd Pn xl in gutting our Dray call ns, but if yoF d.. are nest re.lmlia1 n i .e lntJe euy itotentiai euou and you may have to pay rh_ amount in grtPSh:dt ,"yhne .tie urss[r.Iate .Vhetiter rot not there has been an error, the nilcriml are ;rue. 1'Ve canno! try to rolled the am Dan? in que;non, or ;,j-; Ytr a; iWinquent oll the? amount. • You do not need to pay any dispded amounts crud t-taed iuleresi chat_,es ,n lies awil 'Re send ywri a nonce atrurt the outcome o. our IFUNigatiwn. Th. duure in question Frey rerient on your dement, all'] e may cod nnua to clrae)N you 7oteli st on that ami-out 3ut, r. Ne deien rive Prat are Cade a mistake you •:ill not have to ii the arrount it, question :;r any interest or otfor -tins related to that amuurd • While you do net have to pay the amount ire gnesholl unnf - a sand u a n!,tice alxni[ the oulc>rtP ,r our investigation, you are resp.>ncdrlP Jill tt r i taindPir of your balaud e Your Rights If You Are Dissatisfied With You Credit Card Purchases- 'if you are dissatisfied ?A•ith the goods or >ervices that you h-vin purchased :with your oed;t card, and you have loO m good faith to con_=ct the ppoYem frith die men } Pnt port mey have the right not to fay IhP remaining amount fine on the pirchase To use this right, alt of qhe following must be Due. 1_ Yru must have used your credit card for the purchasa. NirchasPS made Aith Cash advances from an ATM or ntith a :deck that accesses your uedil cart amount do nu! quality 2. 'ion must not yet have fully laid ics the pncba'.e It all of the aieria above are met and you are still dls`.atisired word de Ilm(liasa, ci.nlwt u•; in 'w'riting at. Capital One P.O. Boy 30255 Salt Lake City, UT.413C 02,35 :b'hile A:e investigate, the same ode ; al4ily to the disp0ed amount as dis(rsed allow After AF finish our investigation, the Ailf tell you out decision. At that tvinf, it t,;e think you owe an amount and you do not pay, ? e May IW)lt you as delinquent Capital i)ne support information fxi•.acy protection: see our AT site at capifalone. corn Capital one is a `ederally rerlistered iPPvl.'e mark of Capital One ioawial Corporation. All rights resely-d ZE 201 t. Capin? one To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions Take control of your finances today! Call 1-800-258-9319 to get up-to-date information about your account and make payments. It's not too late. Call now to get started. VISA PLATINUM NEW BALANCE S1,408.63 Available Credit: SO.Ou Capi?a_ ?Q Page 1 of i 1-800-258-9319 www.eapitalone.COM/Solutions 4121-741 S-6352-27111 IMPORTANT ACCOUNT UPDAT ES PAYMENT DUE DUE DATE y"' fill; t iL a p P v r, n b. r i.d help P+y .ff y rri A ,b; J, 1i s 0 yip.: 51,408.63 Past Due dit yoitve Bert, rd nrto ti•pan La.r?r! ae?crera, Previous Balance Payments and Credits Fees Interest Charged Nets Balance 51,313,1U - SD.i?0 + ( 50.00 + 501.53 I = i 1,4n8ii3 I TRANSACTIONS 1 PAYMENTS, CREDITS & ADJUSTMENTS FOR ROBERT M REIFF #2920 [Hein is Available. FEES btal Fees This Period Saco 'olal -S -[,iS r ar so co INTEREST CHARGED 1 C3IJI ',NrERFS?Cr.:;R6` ,:i.3? 0?AuG '.NiIREST <n ;Kip` ,2203 0? SIP ',N; IRFS? CH ^.KCr S2? C3 ulal Jderest his "euurJ S65 53 ;otal,ntervlThis Yeat 5;35.10 Just pick up the phone. Call 1-800-258-9319 and a speciai'y [rained agent A.,Il be happy to help you check your balance and -lake payments. INTEREST CHARGE CALCULATION Yom Annual Percenlage Bate (APR) k the annual interest We on pow acmwd. Type of Balance Annual Pertenlage Balance Subject Interest Charge Rate (APR) to Interest Rate _ InLiest :xaiinq 25.7 Ui.°, S996.'i.o 56553 --------------------------------------- ------- PLEASE RETURN PORTION BE[ OW WITH PAYMENT OR LOG ON TO WWW. CAPI TALONE. COM/5OL U T IONS TO RAAKE YOUR PAYMENT ONLINE 1 4121741583522920 08 1408630000001408630 Account Number: 4121-7415-8352-2920 Due Date New Balance Arnamt Focused Past Due $1,408.63 ROBERT M REIFF 104 W MAIN S7 APT B MECHANICSBURG, PA 17055-6278 Manage your account online. Visit www.capitalone.com/solutions to ma age your account online. Have information at your =ingertips 2417 without picking up the phone. Capital One Bank (USA), N-A P O BOX 71083 CHARLOTTE, NC 28272-1083 ?IIIIIJ"1'llll'IIIIIIIIIIII,I,I,IrIIIIL"ItI?I?I?rIIJl,II'Ill Please make checks payable to Capital One Bank (LISA), N.A. and mail with this coupon in the enclosed envelope. A. i h _rh=rr+ a,4w0; r,:,,.. - t.,? r- ?- -A- I ..n, i. 1 IA IT rirt, 1 t , 1_ j- C', l I ? Y I ,hJ t-... 1 f 11. ... .r ..re uayrvm flu+' a Cmn;1 Mirur_[ N ? ?. .:: _] 7?v ^.;t- :l d ... v_ .. .. tivtherv Aduih,..al F., -.-d siith -Ir ,.nt i.. , -}. r.i sd.IM.b ±evne rl _. t, 1'i F ..1 IT T, 4 r I .. I .. l 1:.C. A , tr ?1 J-Iir k1 1_- I, "'i 'it Un y..u vrnve•s Val+. thi... V..s as an FInJ_ roc 1rmd? l,andvr)' t- s: ..-J' .I tv:.:.; ??. i. M _u... . r. 1 _r..i. W.! t it 1 511, tnr Ha4,, ouy. :1 1 It J r.. Y,,ul, n :.. ;b. IT - F s 1; rt, ?t :, SIMIW1 i1s1WT-8Y-r•-. v s .su. .,. 4.,2_ av11z.,:r VI To 11,:tYn:: l hick Ynu Fiod A W.A. 0n Y»ur St'al+nwnr 1, sl-..-i. .. 1...1 i. I '. .Llr H, p „rl-.,r L It- 1, .I .. .. 0.:. 1 .1 71 1 ..1...... r. ...i.. n ._. .. ., T 1-T I" T7 'I' cc I.... 1 Your PightstTcu A,I, Q llilfiPd Atf. Ynur Qrdit Card VurJ""'. J -,.li-]... lit tr-1.11 . .rtI A-A .?,,t .. 1 1 ..1 , q. .i ;411 : d . 1 .li:al n To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions C U STOMi Welcome to Capital One @ We are pleased to have your credit card account This Customer Agreement contains information about your account Please read Rand keep it !of your records. Your co ntraetwith us for Ore cad and account ('the Agreemenr) consists of this Customer Agreement togeltrerwith any charges to flits Customer ,,Agreement that we make as provided below, the Security Account (d applicable), the Security Account Assignment Agreement (d applicable), Capital One Privacy Notice, any account disclosures provided and delivered to you prior to or at the fine your account opened, including disclosures pursuant to requirements ofTRM in Lending AM (herevrafter 'MA Amount Disdosuresl, as well as arty subsequent notices of changes to these documents, and any and all documents that include your signature (including arty electronic or digdal signature) on any application, sales sip or other evidence of indebtedness on your account In this Agreement the words you; your and yours refer in each person who signed the application for the account (each, want accountl okler) and to anyone else who is ail horited to use the account in any way each, an 'Authorized Useq Except as speeifealy stated herein, each of you is mcfivicktafPy and join* obligated under this Agreement The words eve; 'us' and'oW mean Capital One Barer and its successors, assigns, agents andior authorized repiesematives. If the application for the accountsfated Mat the amount will be a 'Secunty Account' the means the kinds you have pledged to us to secure your accent This Agreement and the Security Account AssighmentAgreeme it (R applicable) do not CG?ri ER AGREEMENT and fees wit be subject to this Agreement and the Security Account Assignmeld Agreemert(it applicable)- Any transactions honored in excess of your credit firnif wit not result in an increase of your credit 6mi1 unless we expressly notify you otherw"rse. Additional Benefits and Services. From once to time, we may offer you benefits and services with your account These benefits and services may be provided by us or third payees Unless expressly made a pad of this Agreement and except as provided in the Arbitration Provision below, any such benefits and services are not a part 0Its Agreement and are subject only to the terms and conditions outned in the benefits or services brochure and other official documents provided to you with respect to the benefits and services. We may adjust add, or delete benefits or services at any time in accordance with the brochures or documents you receive. In addition, any such benafits or services offered to you in the most currant version of the 'Guide to BeneW shall replace and supersede the benefits and services that had been offere d to you in at previous versions of the 'Guide to Benefits; without further notice. Except as provided by applicable law, we are not liable for benefits or services provided by third pares or the actions or omissions of those Mind parties. apply to any other Capial One Banc account that you may have, either now or in the future, except as provided in the Arbitration Prarision below. Unless you have entered into a Security Acmunt Assignment Agreement wilh us, the account is unsecured. Except as provided infix Security Account Assignment Agreement (ifappticabte), the account is not secured by any other property, regardless of Me terms of any other contract to which you and we are subject We can delay enforcirg any of our rights under this Agreement without losing them. The card is and remains our property, and you wit surrender it to us at any tine upon request Assignment We may, transfer your account the Security Account (if applicable). Me Security Accent Assignment Agreement (R applicable) andfor our rights under this Agreement to an assignee. The assignee wit take ou r place under this Agreement the Secuny Amount (d applicable) and the Secur y Account Assignment Agreern ant (it applicable) with respect to the agreements and interests transferred. The assignee may of may not be an affiliate of Capital One Bank You must pay the assignee and otherwise perform all of your obligations under those agreements You may not transfer your account or you rights under this Agreement the Security Account (d applicable) or the Security Account Assignment Agreement (if applicable) to any person or en lity without our express odor wkitnn consent Subject to the preceding sentence, this Agreement will be bind ing and inure to the benefit of your and our respective successors, assigns and representatives. Using Your Account You can make purchases and obtain cash advances ('d cash advances am an option for your account) by using your card, account number and any account access checks (inducing Purchase Checks, Convenience Checks, Special Transfer Checks and other similar checks) that we may send to you. Additionally, you may request a shop payment of account access decks, butwe reserve the right to charge you a fee for such services When we provide you with account access checks, we wit tell you wheher they will be treated as purchases, cash advances or special transfers. Unless we let you otherwise, Convenience Clacks will always be treated as cash advances. We may establish dMBererd segments for your account, such as a purchase segment a cash advance sagmerd and a special lralsfars segment Each segment may be subject to terms and conditions that are different than Mole tint are applicable to other segments._ Our liability, if arty, for any wrongful dishonor of an account access check is limited to your actual damages end shall not include any consequential damages, and in no event will it exceed the amount of the check. You agree cwt to use the card or account in connection with arty Intemet or illegal gambling transactions, but any Internet oritegal galling trarsacfwrs in which you engage with the card or account rreverMhelese wit be subject to this Agreement and the Security Account Assigrme atAgreetent (f applicable). Your card and account may only be used for valid and lawful purposes. If you use, or authorize someone else to use, the card or account for any unlawful or impemrissibte purpose. you wM be responsible to rsuch use and may be required to reimburse us and MasterCard Intemational Incorporated "MasterCard or Visa USA, Ino. 'Visa; as applicable, or their successes for at amounts or expenses that we or they pay as a result of such unlawful or frgenmissrble use. In any event any unlawful or impermissible raruactions in which you engage with the cad or account nevertheless will be subject to this Agreement and the Security Account Assignment Agreement (if applicable). You agree that we are not responsible if auryone refuses to honor you card or account tyou had a prior credit card or other accountwith us, or such an account or balance of such an account was transferred to us or one of our atltates, and you agreed to reirsfate the balance of the prior account In the form of your new account the new amount wit acciue finance charges from the date deli the new account is opened. Authorized users are not financially responsible for the amount. An autnanzed riser may use a credit card, cal request certain amount information and can request to be removed from the account- Subject to our discretion, an authorized user may not be able to initials certain actions on the account You agree to provide us with information identifying arty person you authorize to use you account including their name, address, dale of birth and other identifying information we may request. Exchange Rate. If you make a transaction in currency otter than US. dollars, VISA International or MasterCard international will convert the charge or credit into a U.S. dollar amount in accordance with their operating regulations or conversion procedures in effect atthe time the transaction Is processed. VISA Intemationats regulations and procedures provide that effective April 2, 2005, the exchange rate between the transaction currency and the billing currency used for processing international transactions is either (1) a rate selected by VISA from the range of acceptable rates in wholesale cuneruy markets for the applicable central processing date, which rate may vary from the rate VISA Rself receives of (2) the government mandated rate in effect for the applicable central pracesskg date. MasterCard huemationars regulations and procedures provide the currency conversion rate it uses is either (1) a wholesale market rate or (2) a govemntentmandated rate in effect on Ire day of the central processing dale. Cash Equivalent Transactors. t cash advances are an option foryour account, you can use your account to purchase certain items that we regard as 'cash equivalent transactions.' At cash equivalent frasactons will be treated as cash advances and will be billed to the cash advance segment of your account Cash equivalent transactions include, without limitaron, Me purchase of wire transfer money orders, bets, lo" tickets, casino gaming rigs and offer similar products or services. Nothing it lilts paragraph wilt be interpreted to validate any transaction that is unlawful or impermissible. Your Credit Limit Your initial credll li itwil be disclosed when your account is opened (or activated). Bihar i it*, or at any later time, we may establish different aedtfa's that apply to different segments of you account (such as puchi ses, cash advances and special transfers). Your current cre& limits well be dentified in your periodx statements_ You agree not to allow the balance of your account (including all transactions, fnarce charges and other fees or charges). or the balance of the applicable segments of your accent to exceed to applicable credit limits. N you have been given the option to increase your credit runt by adding funds loyyroutrr Seadry Account (Mappicable), we reserve the doht Trot to increase your cfedlt Fmil lithe additional funds are orovided while you account is in defatA Vie may increase or decrease your credit limits at any lime without prior notice to you, may temporarily increase or decrease your credit imps at any time without prior r10tiCe to you, may limit the cce6t tndt for cash{ advances or may take away your ability to obtain rash advances. We may honor transactions in excess of your credd Emit even if those transactions result in an over limit fee, and th ose transactions Making Payments You promise to pay us and are liable for alt amounts due resulting from the autwrired use of your card or account including any finance charges and otter charges due under the terms of this Agreement Payments must be made in U.S. dollars. Payments made by a check, money order or over negotiable instrument (an 5ernl must be in a form acceptable to us and be drawn un a U.S. finrahcial instbrlion. We may allocate payments and otter credits and proceeds among the various sagrnents ofyou accent and to charges and principal due witti i each segment In ary way we determine, including balances (frcludng new transactions) with lover annual percentage rates (APRs) before balances with higher APRs. Payments you mat to us al the address for payment stated on your penoffic s'aMment will be credited to your accountas of the business day we receive it provided (1) you send the remittance coupon portion of your periodic stalemen! and your check in the remittance envelope provided and (2) your payment is received in our processing herder by the time indicated on your periodic statemert Please allow at least fwe (5) business days for postal delivery. Payments received by us at any other location or in any other form may not be credited as of the day we receive them. Our business days are Monday - Saturday, excluding holidays. Credit availability, may be delayed in our sole discreion to ensure payment in good funds t we accept a payment at some other place, we may delay the crefflng of the payment for up to five (5) days. This may cause you to incur late payment foes and add il" finance charges, and may result in your account being deciarad to be in default Any minimum payment M is due wit W stated in your periodic statement You must pay at lean the minimum paymad due by Me date stated in your periodic statement to avoid a tai- payment fee. However, you may pay more than the minimum payment of pay the balance in full. In any case, finance changes wit confinue to be assessed during billing periods that you tarty a balance regardiess of whether or not your statement shows a minimum payrrienl due. We can accept late payments or partial payments, or items marked'paymem in full' or other simiar language, or payments with a request to apply The payment in a particular manner, without losing any of our rights under tfs Agreement including our fight to receive payment in full. No payment ahal operate as an accord aid satisfaction without our prior written approval. All written communications conceming disputed amounts, including any check or other payment instrument that indicates that the payment comstibrtes'payment in fWr of the amount owed or Mat is tendered with offer conditions or limitaMos or as full satisfaction of a disputed amount must be mated or delivered to Capital One, P.O. Box 85010, Richmond, VA 23285-5010. You wit not make pWriants from funds obtained from the account or any other credit account with us. If you payments made to any other address, we may accept th e payment without losing arty of our fights. When you send us check(s) to make payment on your accent, you autorize us to make a onetime electronic transfer from your bank account for to amount of the deck as indicated by numerical dgils. This auMwrizaion applies to at check(s) received by us during the bleN period even if sent by someone else, who you agree is your agent and was provided with these disclosures in advance. This autwrization is not restricted by the date on the dtedk and includes resubmissioie,. We will riot be bound by any rust icfve legend or condition appearing on the face or reverse We of the check. If we cannot process the electronic transfer, you author ze us to make a charge against you bank account by processing the check, substitute check, draft or similar instrument We may adjust you account as appropriate to correct errors, returned items, rejected debts and similar matters. We may, in our sole dsaeton, offer an expedited payment service. You are not required to use Ms service. When you authorize us to process a demand draft electronic ACH debit or other expedited payment method for your account we may charge you an expedited payment fee in an amount disclosed to you at the time of the service. We are not resposible for any dishonor of the payment by your depository institution and may retain the fee in the event of such dishonor. Ifyou give your account number or other account infomation to another person to make a payment for you or to actvh your behalf, you agree Mat we may discuss your account with that person and process the payment as If it were made by you. You further agree that you wit be responsible for all consequences of payment or non- payment by such party, including expedited payment return payment late payment and over imit fees. We reserve the right to refuse to accept paymenton you behalf or to permit an other person to act on your behalf. Periodic Statement Each month that you have a credit or debit balance of mare Mran $t in your accost we will send you a periodic statement as and when required by applicable law. The pedodic statement will show all transactions billed to your account during the biting *oil. The filing period is the time from one statementdosing dale.1hrough and includi the nextstatementdosig date. The statement dosing date determines the month of a specific biting period. For example, your January biting period is the billing period with the statement closing date in January. Finance Charge. You will be assessed finance charges as previously disclosed to q.;= f the TILA Account Disclosures or as we will disclose to you H retuned law. Temporary Reduction in Finance Charge. We reserve the night to net assess any or all finance charges for any given billing period without waiving the right to assess such fmahc a charges in a future toiling pertod. Other Fees and Chages. The following fees coil be billed to Me purchase segment of you account and will be treated as a purchase and applied against your available credit limit unless otherwise specified, in every biting period in which they apply (i) A late payment fee will be assessed if we do not receive your payment in Mme for R to be credited, as provided in this Agreement by the date stated in your periodic statement; (n) an over limit feewill be assessed'd the balance of your account for am segment of bxhb C 0(15!13 your accoun0 at any time durog ure bdinf cycle, for any reason, is greater than the appkable temporary or permanent credit ii. it (regardless of wholher you went over limit as a result of a transaction, fmance charge or any, other fee or charge, even if approved by us); (m) a moaned check fee win be assessed if we do not honor any amourd access check for any reason; (iv) copying charges her duplicate copies of transaction documentation or periodic statements will be assassed on a per-page bass, unless required for tilling dispute resolution: (v) a returned payment fee will be assessed I, for any reason, (a) a check, draft or similar irebument is not honored or carat be processed; or (b) an electronic debit is miumed unpaid or carrot be processed. You authorize us to resubmit returned payments in our discretion. At our option, we may assess this fee each time your payment is not honored of paid, even if it is Tatar honored or pad following resubmission. Any check, draft or similar instrument may be collected ehectromcally t returned for nakuticiem of uncollected funds We may change any of these fees or charges, or add additcual fees and charges, as provided below. We reserve the right to waive any at these fees without prior notitkaton to you while maintaining our righttc assessthese tees going (award. Cash Advance Fee. If cash advances are permitted for your account a cash advance fee finance charge will be (7 assessed each lime you obtain a cash advance or rash equivalerd transaction, (7 added to the c rb advance segment of your account and (i) app,ied against your available credit limit The amount of the cash advance fee finance charge oil be added to other finance chames shown on your periodic statement for he purpose d calculeing the annual percentage rate for that billing period. This may cause the arme f percentage rate disclosed for hat biting period to be greater than the annual percentage rate disclosed to you Membership Fee If applicable, a membership fee will be imposed in your first billing pound. unless specifically stated oherwse. It the membership fee is assessed annually, it will be assessed in he bring period in was each anniversary of the opening of your account occurs. t the membership fee Ls assessed monthly, d will be assessed in each bring period. The fee will be billed to the pmdrase segment of your account and will be treated as a purchase and applied against your avai'able credit limit. The membership fee will not be rehnded, in whole or in pad, even if your or we cancel he account Transfer Fee. A fee win be assessed hu each bansfer of binds from your account to your Seamy Amount Brat you request The fee will be billed to the dirt advance segment of your account and will be treated as a cash advance aid applied against you available credit (init. Foreign Transaction Charge. For each transaction made in a country other than the U.S., of U.S. Territories, we will assess you a finance charge as pneviarsty disclosed to you as part of the T1L.A Account Disclosures or as we will disclose to you If required by applicable law. The fee will be based on the U.S. dollar amount of the transaction. Credit Bureau information. You agree hat we may obtain information about you horn credit reporring agencies or others at any time and use it for the purposes of monitoring your credit performance, managing your account and considering you or new offers and program. Security Interest The toms and conditions contained within this paragraph apply only if the application for the amount stated Brat the account will be a secured account Ynu provided us with certain funds, which have been deposited in the Security Amount To secure payment of the balance of the, account and of other amounts owing under the terms of this Agreement and the Seemly Amount Assignment Agreement, you have transferred, assigned, pledged and granted to us a security interest in the Security Account all funds contained in the Security Account all proceeds of the foregoing and all proceeds of proceeds. This semrity interest includes, without tirritaion, time iii funds that were placed into the Securhly Amour>< any additional lords added to the Security Account by any person and arry interest earned to or accrued on the Security Account The terns of he security interest are set ooh in the Security Amount Assignment Agreement you executed. if (i) you default or far to abide by any of the terms of this Agreement or tie Seventy Amount Assignment Agreement (7 you close your amount or (ni) we cancel your account for any reason, we may then or thereafter, and without prior notice to you, exercise our security interest by deducting from your Security Account the balance due on your account and at other arnounts owing under the form of this Agreement and the Secury Amount Ass4nrienlAgreement. We may exercise this right to make such deductions from you Security Account periodically as we detemxne to be appropriate. Agin sixty days after the date you accent's closed, we will send all remaining funcis in he SecurfyAccountto the person legally entitled to faceivetthem Future Offers. The tears of arty future offer relating to the amount wry be disclosed to you at the tme he offer is made. If you accept an offer, the terms will become effective immediately unless Otherwise specified in the offer. Default. We may, in our sole discretion, declare a default under Ids Agreement if. (a) we do not receive the full amount of any minimum payment on or before the date it is due, (b) you exceed any credit limit or (c) an item used to make payment on your amount is not honored or cannot be processed, or an electronic debit to make payment on your account is returned unpaid or cannot be processed. To the extent pemitted by applicable law, we may also, in our sole discretion, declare a default under his Agreement it (1) you violate any of the other terms of this Agreement or Searity Amount Assignment Agreement (if applicable), (2) we have declared you to be in default under the terms of any other agreement with us or any of our affiliates, or (3) we determine that you made any false or misleading statements an you application for, or regarding the use of, the account or otherwise attempted to defraud us, (4) bankruptcy or other insolvency proceedings am irstiNted by you or against you or (5) you one or are declared legally incompetent or incapacitated. At any time following any default under this Agreement (or after we give you any notice or night to cum the default. if required by apple a law), you will be subject to paying interest finance charges and other fees pursuant to the arms of this Agreement incudig any applicable defauft rate, even after any judgment is obtained. Additionally, we may, at our sole option. (x) limit or not allow you to make any new purchases or cash transactions on your accourd(s), (y) increase your minimum payment with such notice as may be required by applicable law or (z) subject to the limitations of applicable lav, dose your amount(s) and demand immediate payment of to entire outstanding balance plus all other amounts owing under the terns of this Agreement and the Security Amount Assignment Agreement To the extent pemited by applicable law, you agree to pay us of of ou actual court costs, collection expenses and attorneys fees (whether paid to an attorney who is one of our employees or an aeorney who is net one of our employees) incurred by us in the cogedion of any amourri owe us under this Agreement You also agree to pay us at of our actual costs that we incur in mVie ring your cards, including any costs we may incur by having your amount placed on a restricted list Nothing in this paragraph shall be construed to waive or impede our right to require arbitration in accordance with the Arbitration Provision below. Account Closure and Suspension of Credit Privileges. (1) IWe may, at any time, with or without cause, with or withenut advance notice, and regardless of Ile existence or non-existence of a default under fill Agreement cancel tin account war temporarily or permanently suspend your credit privileges under this Agreement. t we cancel the account you agree to immediately destroy all cards and unused account access checks. (2) You obligation to make payments and you other obrgatiors under this Agreement wit continue in fun force and effect after the account's cancelled or your credit orivileces are tamporany or permanently suspended. Cancellation of the account andkr temporary or permarent suspension of your could privileges will not affect our security interest in your Seamy Account (dapplicable) or our lights under Ile Security Amount Assignment Ag reenent (f applicable). You can dose your BCCemt by calinhg our Customer Relations department with the number found on the back of your credo card or, if different the number staled in you periodic statement and requesting an account closure. You agree to destroy an cards and unused account access checks, cancel all preautiodzed billing arrangements and cease using your card and account It you do not cancel all preauthodzed billing anangements, you and we wit consider our receipt cf a preauthorri debit to your account to constitute your audumatien to reopen the account on the terns set fork in this Agreement and the Security Account AssigmremAgreemem (i appicati Youraccountwil not be dosed unfil you pay ail amounts you owe us under ids Agreement and the Security Account Assignment Agreement (if applicable) including, without timitaiii any purchase and cash advance transactions you have authorized, finance charges, Tale payment fees, over imil fees, returned check fees, retuned payment fees, membership fees, cash advance fees, transfer fees, copying charges ad any other fees charged In your amount You am responsible for these amounts whether they have been incurred at the time you request a closure of the account or they are incurred subsequent to your request to close Iho account This may result in charges appearing on your account after you have requested the account to be dosed and, if the account has already been dosed, to account wit be reopened on the terns set forth in this Agreement and the Security Account Assignment Agreement (if applicaide? For example, it you autorize a purchase from a merchant and we receive the charge from the merchant after your account has been closed, your account will be reopened, the amount of the charge will be added to your account and you will be responsible for payment under he terms of this Agreement and the Security Account Assignment Agreemem (f applicable). The membership fee for your account will continue to be draped, o the extent permitted by applicable law, until the entire account balance has been pad in tut, as described above. If the account is reopened, a new membership fee will be charged to the account as stated above. If you, adting as the primary cardholder, want to terminate a joint accountholder's or an authorized users access to the account you must can our Customer Relations department and request Inat termination. Immediately 'hereafter, you agree to destroy that person's card(s) and destroy any unused account access checks in that person's possession. There may be a delay it the effective date of he terminaion of that person's access to the account The account will be charged, and you and any joint amccunithdders will be responsble, for any charges through the use of the card or the account by the Outaccountoldes or authorized user that occur prior to the effective date of the lennination every it tie charges do not appear on the account umbl a later time. I you are unable to destroy he joint acco ritolden's or authorized users card(s) or to des" the unused account access checks in that person's possession, and you call our Customer Relations department to dose your account your account vaI be dosed in accordance with the preceding paragraph. Either you and/or the joint cardholder, if arty, may apply tot a new account Changes in Terms. We may add to, remove, amend or change any part or provision of this Agreement including the annual percentage rate(s) and any charges, (including adding new provisions of the same or a different nature as the existing provisions in this Agreements at any time. If we do so, we will give you notice of such amendment or change if required by Fad" law or Virginia law (o the extent not preempted by Federal law) unless we had previously notified the customer that he account wand be subject to such amendment or change without notice. Notice will be mailed to Ito fast btling address indicated in our records fnr the amount However, no nice will be mailed if we previously had notified you that your accent would be subject to such amendment or change without notice. Changes to the annual percentage rye(s) will apply to your existing account balance from the effective dale of the change, whether or not the account balance includes transactions billed to the account before the change dale and whether or not you continue to use tie account Changes to fees and other charges will apply to your amount from the effective dale of the change. Governing Law, WE MAKE THE DECISION TO GRANT CREDIT, OPEN AN ACCOUNT AND ISSUE YOU A CREDIT CARD FROM OUR OFFICES IN VIRGINIA This Agreement is to be construed in accordance with and governed by the lave of the United States of America and by the internal laws of the Commonwealth of Virginia without giving effect to any choice of law rule that would cause the application of the laws of any jurisdiction other than the laws of the United States of America or the internal laws of the Commonwealth of Virginia to the rights and dupes of the parties. This Agreement is made in Virginia. K will be governed any by Federal law. and Virginia law (to the extent not preempted by Federal Ili I a court decides not to enforce a part of this Agreement, this Agreement will then read as if the unerdoroeable or invalid part were not there, but the remaining parts will remain in effect W01vers. You waive tie night to receive notice of any, waiver or delay or presentiment demand, protestor dishonor and arty right you may have to require us In proceed against another (arty before proceeding against you. You also waive, to the extent pemdted by applicable law, any statute of imitations defense for an additicrkal period of time equal to the applicable imitations period. Lost or Stolen Cards or Account Access Checks. I your card(s) or amount access checks are lost or stolen or d someone else may be using them without your pemdsslon, notly us at once by calling the telephone number on the back of your credit card or, 4 different the telephone number shown on the fiend of your periodic statements, or by wiling us at Capital One, P.O. Box 85015, Richmond, VA 23285-5015. You will not be viable in any amount for unauthorized use of your cards or account access checks. You agree to tell us at once if you change your name, address, telephone number or employment You agree to love us written notice of any change in your bilring address at Least 10 days before the change. Changes may be written in he space provided on Ire remittance coupon portion of your periodic statement or may be sent to the following address: Capital One, P.O. Box 85015, Richmond, VA 23285- 5015. If your amount is a joint amount or if more than one person is penmgtod to use it you agree to at notices regarding the amount may be sent solely to the address shown on our ling records. Communications. We may release khformation to others repaint tithe status or history of your account as set ooh in the Capital One Privacy Notice, a copy of which has been provided to you. We may shake inquiries of thud parties in connection with maintaining and collecfng you account and you authorize such third parties to release Information about you to us. We or our representatives may contact you from time to from regarding the account, or to ask for additional information about you or your experience with Capital One You agree that such contacts are rat unsolicited, am not limited except as expressly required by applicable law and may result from contact information you have provided or hat is obtained from other sources. For example, we may cooled you at your home or place of employment, during weekends or holidays, on your mobile telephone, vohcenmil or answering machine, and by email, -fax, recorded message, text message or personal visit Except as restricted by applicable Law, we may monitor or record any cols we make or receive, suppress caller identification services and use an automated dialing and announcing device. ARBITRATION. PLEASE SEE ENCLOSED 'ARBITRATION PROVISION:' PLEASE NOTE THAT THE TERMS INCLUDED IN THE ARBITRATION PROVISION ARE PART OF YOUR CUSTOMER AGREEMENT. 0 2005 Capital One Services, Inc. Capital One is a federally registered service mad. An lights reserved. D318-17-0305 ARBITRATION AGREEMENT Pit-75/3"'3 IMPORTANP. THIS ARBITRATION PROVISION IS A PART OF YOUR CUSIONiER AGREEMENT You and we. agree that either you or we may, of either party5 sole 1 .ion, require that any Claim (as d>iined helowl, be resoled by binding arrluation. IF YOU OR WE ELECT ARBITRATION OF A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO PURSUE THAT CLAIM W COURT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE OR REPRESENTATIVE PROCEEDING. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, INCLUDING THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION. THE FEES ASSOCIATED WITH ARBITRATION MAY BE HIGHER THAN THE FEES ASSOCIATED WITH COURT PROCEEDINGS. Special Definitions for this Arbitration Provision. Po the pufprses of ibis arbitration pradsion ('Arbitration Provision`), the following deifniffon shall apply in addition to the definitions set forth in your CustamerAgreement ('Agreemerrr): 'Clams' mearis any claim, controversy or dispule ut any kind or nature between you and us. A. This definition includes, without limitation, any L'la'm Mat in any way arises from or relates for • the Agreenant and arty of its terms (including any prior agreements between you and us a between you and any Other entity (fain which we squired your aacunt) • this Ablratiori Provision (Itiduding whether any Claim is subject to arbdraGan) • the establisrvrent operation of lermirglim at your account • asy disdosu'es, advErtisenerds, prmotims or other cammuniuztion; relatirq to your account whither they occurred before or after your account was opened • any transactions of altempted transactions involving your account • any billing or collections malles relating b yon account • a try pasting of bansaccas (iccLding payments of cedes) kryurn aswnt • any goods or sarvides barged to your accu5 d • any fear, irRerest or other charges assessed to your accam;t, u their caiculatiort • any produds, services or baxfrts programs related to or oYered in connection with your account (including arty insurance, debt cancellation or attended service contracts and any programs. rebates. :eria ds, sweepstakes. membersh'ps, diSMwts Of (00cf1s) whether or not we offered, introduced. sold or provided Rnan • our receipt, oat' or disclosure olany information abottyw or your aacocat • any adm m Bens relating to yroraccount or your relationship with a. 6. This dehnifion also includes, without Nmilation, any Claim • regardless of how or when R is brought (for example, as an initial claim, courderclaim, aoss-ctalm, INerpleadh tar third-party claim) • based cn arty theory of relic or damages [ndud ing money damages and any farm of specltc performance or injunctive, declaratory or other equitable relief) • based on arty theory at law or equity (xiuding conbad, tort, Italia, constitution, statute. regulation, ordinance or wrongful acts or anissions at arty We. whether negligent, reckless or intentional) • made by you or by anyone connected with you at claiming through or for you (including a cc-applicant or authorized usa of you, account your agent, your retim"ralive, your heirs or a trustee in bankrorncy) • for which we may be directly o' indin" liable under any theory, including resporndeat superior -_ agency (even it we ate not property named at the lime the Claim is made) • now in eRislence or that may arise in fine future, regardless of when the fads and circumstances that give rise to the Claim Occulted of when the Claim accrued • made as pad of a class action, private alloney general action., or outer representative or collective action which Claim shall proceed on an individual basis as set lonh more fully in this Arbitration Provision. Arbitration Administrators. One ot the (allowing abitration adnamstrators ('Administrator' or, collectively, 'Administrators') will administer the arbitration, JAMS 1920 Main St- Ste. 300 l,,;l CA W614 .,Avi jamsadccum American Arbitration Assn 3"5 Madison Ave., Fact 10 New YA NY illo tTd5C8 ,-,, xadrorg National Arbitration Foram PO. Box50i91 Mirmeapolis, MN 55405 vrms.arailrallon-lonr itcom You may contact ary of the Administrator to attain ia'ctmx'cu about arbitration, arbitration rules and procedures, fee schedules and claim forms. Election and Initiation of Arbitration. You or we may elect arbitration under this Arbitrafforr Provision with respect to arty Claim, evaan if !be Claim is part of a lawsuit Nought In court. You or we ay make a Ration or request In count to compel abfhation of any Claim roll l as part at any lawsuit. We will not elect or irtiate arbitration of any aim tamight in a srratl dams teal or the squivai so long as the Claim remains in that aiu L is made solely en behall of an iroividual ar joint account holder and is hit made as part of a class action, private aRorrey general actionor other rapresentatve or colledive actor. You and we onus; follow the rules of the Admirfsba[ors to infi2le arbitration. It you initiate arbitration, you may choose we of the Administrators, and you must trail es any unit oe recptired by ft Administrator to P.O. Box 55550, Rich nahq VA 732855.,550. If w•a initiate arbitration, we will choose oche at the Administrators, and we will mail you any notice required by the A.dministrater to your lam-kncwrn billing address. It vR *ve initiated arbitration. we will change the Administrator at your request it you notify u•5 in writing of the above uuyi' :,,E isu.I y'u. ary iute da-tw tire: w Q., inihialton of arbltation. Procedures and Law Applicable in Arbitration. This A:binalion Provision is trade pureanl to a lrahsa i:)n involving inIntale canrrerce and stall he governed try arid entaceable under the Fad" Arbitration Ad (the 'FAA'). Oue4im!s about wfieftf any Claim is subied to arbiliatiun shall Ec resolved by interpreting this Arbrbation Pn soslon in the broadest wa, a may be enforced, consistent with the FAA and the terms of this Arbitration Provision. The arbitrator will apply sucstantive law consistent with the t;A and applicable statutes of limitations, but the vafiility and ento!cement of any class action waiver is a queslion for a court of competent uvisdidion, not an arblraf rr to decide. H» abitrala may award any oar ages or other re4el oerrillee by applicable substantive raw (boil will not have power to review (be enforceability, of severamliity, at the paragraph 'No Consolidation or Joinder of Parties,' below), out the award shall dete'mioe the rights and obligations of only the named Barites and only with ispeOf to the Claims in arbitratinn The cores and procedures of the Acimtnisfahic which you may obtain Tram rhs mirnishator. shall govern the arbitration unless they conflict with this Arbitration Pruvisioo, in which case this Arbitration Provision will aooly. The arbitrator will nit be bound by and this Arbitration P:oveuon shall nut be subject to, the federal, sale of local mies at proceduc? and evidence that would apoiy in any court, or to Vise or laral lards that reale to abitratjon proceedings. You or we may have a hearing in a!w1ratiaa Any arbitration hearing that you allefyJ m person will lake place at a location in the federal judicial aistrid that includes your last-known billing address or at some other place upon which you and we agree. You or wE may be represented by caocs6 r you nr wt rNLr-sL the arbitrator will honor clairs of privilege recogn vtid under applicable law and will use test efforts to proted confidential in'.onnPhon (including through the use of protective nuders). The arbil,a.'or will make any award in writing and. at the timely request of e4frer part;, will provide a wrillen statement a! reasons for the award- Costs. The party ucliahn4 abitraticn veil pay the irnfial Kling fee. You may steak a waive- of the Eniiial filing fee or any of (lie Adrunarators other fees (collectively. 'A:hmnislralurs Fees') unatA any applicable rules of the Administrator. If you seek huh do nit quality list, a waiver, we will consider arty written raqueSt by you for us to pay or realbuise your for all a pat of the A.dritinistalor's Fees We also will pay of reimburse you for all or pan of lie Adminifil Fe is if the arbit:alar aatermines there is goad reason for us to de so. We will pay any teas and casts we are required to pay by law. Otherwise, arid except as provided in 1'nis Agreement, you and wet•will bear all of our respective fees and costs (including the Adminnihala s fees and the fees an costs relating to attorneys, experts and witnesses), regard less of who prevails. Aflocatian of Saes and cats relating to appeals in arbihat!m will N handled in the same manner. No Consolidation or Joinder of Parties. The arbitration of any Claim anst proceed on an individual bests, evat if the Claim has been asserted in a court as a class action, private affome`/ general action ar other representative or collective action. Unless all parties consent, neifiw you nor vat may join. consolidate or otherwise bring Claims related to two or more accounts. indviduals or a=untholders in the same arbitration. Also, unless all parties consent neither you nor we may pursue a class acam, prrvaie attorney general action or nth_ nepre entalire Of collective action in aAAl2tan, nor may you or we pursue such actions in Court it ary parry has dected arbitration. You will not have the right to act as a class rapreseNarve or panicipare as a member of a class of crairrants with resperl' to any Claim as ufwhich arbitration has been elected. Judgmeal, Enforcement, Finality and Appeal. Rte arbitrator's decision will be final and binding alterf teen clays unless you or we seek an appeal of the award by malting a :written request to the Achrumstrato. Ilse appeal panel, which will consist at three arbitrators, will consider all factual and legal issues anew, will conduct the appeal in the same manner as the initial arhitratfen and will make 6e6sions based on the vote at the majority. The panel's decsion will be final and binding. Any final decision ol the arbitrator or of the appeal al l is subject to judicial review only as set ioah unite lie FAA An award in arbitration will be entotwille under the FAA by any court having jurisdiction. Miscellaneous, Waiver, Sevetabiiity, Survival. If you or we do nit elect arbitration or otherwise enforce this Arbitration Provision fn connection"lift any paafcular Cairo, you orwe will no waiveary rigits to require arbitration in connector, with that o- any other Claim. This Afol,ation Provision shall survive: (i) suspension. lamination, revocation, ciesureorchaicesof LhisfljrE nflyortacccuntandyour re!albnship with us; (ii) the ba>kruplcy or insolvency at any party ; and (iii) arty transfer of your account, or aoy amounts owed on your account, to any other person ar col h any portion A this Abilrabon Pm-vision, is deem' invalid or unenforceable, the remaining potions o! this A,luifa ion Prorsida shat' neveri ni- ranrrain valid and in force- In the Orient of a conflicl m ixorsiful between this Arbitration Provision and the other provisions at this Agreement m any prior ag eanw.r=, th5 AfbiSalim Provision shat govern. A photocrao or other image of ths Ag=I and related documents may be seat in place of the originals for ail purposes inducing litigation_ O2t05 Capital One Services, Inc. Capital One is a federally registered services mark. All rights reserved. i C{ ?LT i, lI ?I~ ?15°lt_?AN1f` ls?G ? M-1 OQ PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ; ss AFFIDAVIT: I hereby (swear) (affirm) that I served ® a copy of the Notice of Appeal, Common Pleas No. 2012-1989-CIVIL, upon the Magisterial District Judge designated therein on (date of service) , 03/29, 2012, 11 by personal service ® by (certified) (registered) mail, sender's receipt attached hereto, and upon the appellee, (name) ROBERT M REIFF, on 03/29, 2012, 1:1 by personal service ® by (certified) (registered) mail, sender's receipt attached hereto. (SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS 29 TH DAY OF March, 2012 fficial before ?yo,, AMC n f .'. b i;rod Title of official My commission expires on//' '20I AOPC 312A - 05 m. ac I M 0 0" ru ru Q O O O O Lr) m r-q f a 0 r- o „z. v..n. M1 Q" ru ru O O O O O m EI '!l =ZEIFF ,.a ( P?d S I APT B ----i a C3 13,.Ri:r PA 17055- r- ?;78 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. : CIVIL ACTION Plaintiff vs. ROBERT M REIFF NO: 2012-1989-CIVIL Defendant _ED-0 PROT; ?e3LRLAF 0' " F?'"N N S Y I CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on April 2, 2012 the below named Defendant received and signed for the certified mail containing the Plaintiff s Notice of Appeal of the District Justice Judgment and Complaint. ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Edwin A. Abrahamsen & Associates, P.C. r LLUIRCy 1.1J. l-u.. OvLOJ 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. CIVIL ACTION vs. ROBERT M REIFF Plaintiff NO: 2012-1989-CIVIL Defendant CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on April 2, 2012 the below named District Justice received and signed for the certified mail containing the Plaintiff s Notice of Appeal of the District Justice Judgment. District Court 09-3-05 507 N. York St. Barclay Bldg. Mechanicsburg, PA 17055 Edwin A. Abrahamsen & Associates, P.C. BY: 144VAr-. Mic ael F. Ratchford, Esquire Attorney I.D. No.: 86285 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 ¦ Complete items 1, 2, and 3. Also complete item 4 if Restricted Delivery is desired. ¦ Print your name and address on the reverse so that we can return the card to you. ¦ Attach this card to the back of the mailpiece, or on the front if space permits. 1. Article Addressed to: 1 V 1 1 1{ 4? ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055- 6278 A. Signature 13 Agent ? Addressee B. Received by (Printed Name) 1A rC. Date of Delivery D. Is delivery address different from Item 1? ? Yes If YES, enter dDI g ry, 0ie? below: ? No N1, 'i 3. ? Registered` Receipt for Merchandise ? Insured Mail 0 C.O.D. 4. Restricted Delivery? (Extra Fee) ? Yes 2. Article Number (Transfer from service label) ?011 3500 0002 2 9 7 6 0090 PS Form 3811, February 2004 Domestic Return Receipt 102595-02-M-1540 ¦ Complete Items 1, 2, and 3. Also complete Signature A. ent PKA Item 4 If Restricted DalMery Is dashed. x g ¦ Print your name and address on the reverse ? Addrown so that we can return the card to you. B. ReAed by ( Printed Name) C. Pate of D*.wy ¦ Attach this card to the back of the mailpiece, -Z - 2 or on the front if space permits . 6 ? Yes delivery address different from roam 1? D. 1. Article Addressed to: if YES, enter delivery address below: JrNo 1 V? 1 1 `-'1? ?? DISTRICT COURT 09-3-05 NORTH YORK ST MECHANICSBURG PA 17055 3. Service Type ertlfled Mail 0 ecpress Mail ? Registered ? Return Receipt for Merchmillm ? Insured Mall ? C.O.D. 4. Restricted Delivery/? (Extra Fee) ? Yes 2. Article Number 7011 3500 0002 2976 0083 (Transibr f?om service k6o PS Form 3811. FBhruarv 2004 Domestic Return Recent 102595-02-M-1540! IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. CIVIL DIVISION Plaintiff vs. ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Defendant NO: 2012-1989-CIVIL 1 : r1, l F 'D CGnT PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO THE CLERK OF JUDICIAL RECORDS: Kindly enter judgment by default for failure to respond to Plaintiff's Complaint in the amount of $1,194.23. Notice of the intent to file a default judgment was served upon the Defendant on May 11, 2012. A copy of the Notice of Intent to Take Default Judgment is attached hereto and marked Exhibit "A." Edwin A. Abrahamsen & Assoc es;? MichaetF. Ratchford, squire Attorney I.D. No.: 862P5 Attorney for Plaintiff JUDGMENT AND NOW, this day of t/ , 20L2, Judgment is hereby entered in favor of the Plaintiff, CAPITAL ONE BANK (USA), N.A. and against the Defendant, ROBERT M REIFF in the amount of $94 for failure to respond to Plaintiff's Complaint. PROTHONOTARY J. C?'w I s,o3 ?ka1?? aq i?a hcc (Yl?? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff vs. ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Defendant CIVIL DIVISION NO: 2012-1989-CIVIL CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on the date indicated below, I served a copy of the Praecipe for Entry of Default Judgment in the above captioned matter by mailing the sarne via First Class United States mail, postage prepaid addressed as follows: ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Date: June 12, 2012 Edwin A. Abrahamsen & Associates, P.C. Michael F. Ratchford, Esq Attorney I.D. No.: 86285 120 N. Keyser Avenue Scranton, PA 18504 (570) 558-5510 CAPITAL ONE BANK (USA), N.A. Plaintiff vs. ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Defendant In the Court of Common Pleas of CUMBERLAND County, Pennsylvania Civil Division NO: 2012-1989-CIVIL NOTICE OF FILING JUDGMENT Notice is hereby given that a money judgment in the above-captioned mat er h 1s been entered against you in the amount of $ l l CH . d13 on By: If you have any questions regarding this notice, please contact the filing party: Edwin A. Abrahamsen & Associates 120 N. Keyser Avenue Scranton, PA 18504 Telephone: (570)-558-5510 (Notice is given in accordance with PA Supreme Court Rule of Civil Procedure No. 236) CAPITAL ONE BANK (USA), N.A. Plaintiff In the Court of Common Pleas of CUMBERLAND County, Pennsylvania Civil Division vs. ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Defendant NO: 2012-1989-CIVIL AFFIDAVIT UNDER SOLDIERS AND SAILORS RELIEF CIVIL RELIEF ACT OF 1940 AS AMENDED State of Pennsylvania County of CUMBERLAND SS: Michael F. Ratchford, Esquire being duly sworn according to law deposes and says that the above named defendant(s): ROBERT M REIFF is(are) not in the military service of the United States of America as defined by the Soldiers' and Sailors' Civil Relief Act of 1940 as amended; That the defendant(s): ROBERT M REIFF is(are) older than eighteen years of age; That the employment status of the defendant(s): ROBERT M REIFF is(are) unknown. Subscribed before me this day o 20? rA,Nk--? ?7 ?- -c2m n??,1t?«?t -!vA?.tA No ary ublic T i nKa t, Cat}" Of sc ar ?scM4C!E p{v. ? 5 I Tn[L EDWIN A. A13RAHAMSEN MICHAEL F,PATCHFORD IWNJ. CUMMINGS THE LAW OFFICE OF NINA MENtCHEW HD1N7J i V.ABR--1RAALtiSN S ???r .LATE . PC WWW.EAA-LAW.COM May 11, 2012 ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Re: CAPITAL ONE BANK (USA), N.A. v. ROBERT M REIFF CUMBERLAND County Civil Action No.. 2012-1989-CIVIL Our file No.: NA114722ND Dear ROBERT M REIFF: Enclosed please find the Ten Day Notice of Intent to Take Default in regard to the above- noted matter. Please act accordingly. If you have any questions or wish to discuss your outstanding account, please contact me at (570) 558-5510. Edwin A. Abrahamsen & Associates, .1 / zl_-Z?) Kevin J. Cummings, Esquire Enclosure This is a communication from a debt collector in an attempt to collect a debt. Any information will be used for that purpose. 120 N KEYSER AVE SCRANTON, PA 18504 (P) 570.558.5510 (F) 570.5585511 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL, ONE 13ANK (USA), N.A : CIVIL ACTION Plaintiff vs. ROBERT M REIFF : NO: 2012-1989-CIVIL Defendant : TEN DAY NOTICE OF INT'EN'T TO TAKE DEFAULT JUDGMENT To: ROBERT M REIFF 104 W MAIN ST APT 13 MECHANICSBURG PA 17055-6278 Date of Notice: May 11, 2012 IMPORTANT NOTICE PURSUANT TO PA.R.C.P. 237.1(a)(2) YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER AN APPEARANCE PERSONALLY OR BY AN A"ITORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF "PHIS NOTICE A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS- YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. M113PENN LEGAL SERVICES 401 LAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL. ONE 13ANK (USA), N.A. : CIVIL ACTION Plaintiilf vs. ROBERT M REINF Defendant NO: 2012-1989-CIVIL. CERIFICATE OF SERVICE I, Michael I,. Ratchford, Esquire, hereby certify that on May 11, 2012 1 served a copy of the Ten Day Noticc of Intent to Take Default in the above captioned matter by mailing the same via First Class United States mail, postage prepaid addressed as follows: ROBERT M REIFF 104 W MAIN ST APT B MECHANICSBURG PA 17055-6278 Edwin A. Abrahamsen & Associates, P.C. X; / BY: Michael ate ord, Esquire Attorney I.D. No.: 86285 Kevin J. Cummings, Esquire Attorney I.D. No.: 209660 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 Department of Defense Manpower Data Center Status Report Pursuant to Servicemembers Civil Relief Act Last Name: REIFF First Name: ROBERT M Active Duty Status As Of: Jun-12-2012 Results as of : Jun-12-2012 06:48:45 SCRA 2.2.1 Active Duty Start Date : Active Duty End Date Status Service Component On Active Duty On Active Duty Status Date NA NA No NA This response reflects the individuals' active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date - - Active Duty Start Date - Active Duty End Date Status. Service Component NA NA No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or HiBIHer Unit Was Notified of a Future Call-.Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Noatication End Date Status Service Canpohent NA NA No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard)- This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. )ol,21 1A Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA maybe invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARS), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U_S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Report ID: 6DU8QPBMJ2