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12-2019
PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID # 92125 rid F I" RnT!'?NOTA "'T y? n 'fir L. J1R. {311 L i'?4? l P E L; , G COU RT 9, ?7 X11,c8WV MEY FOR PLAINTIFF CAPITAL ONE BANK (USA), N.A. v Plaintiff(s) JAMES D HARLIN NOTICE Defendant(s) CUMBERLAND COUNTY G l? - ?ri l Ci.V i ?a COMPLAINT IN CIVIL ACTION YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims 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, 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. Cumberland County Bar Association 32 South Bedford St Carlisle, PA 17013 (800) 990-9108 AVISO USTED HA SIDO DEMANDADO/A EN CORTE Si usted desea defenderse de las demandas que se presentan mAs adelente en las siguientes pdginas, debe tomar acci6n dento de los pr6ximos veinte (20) dias depuds de la notificaci6n de esta Demanda y Avios radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqua en contra suya. Se le advierte de que si usted falla de tomar acci6n como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier otra reclamaci6n o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUIENTE OFICINA ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSTO A PERSONAD QUE CUALIFICAN. Cumberland County Bar Association 32 South Bedford St Carlisle, PA 17013 ` (800) 990-9108 ?\hQ ?GJr,?y a4) c?? a? 313 PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK (USA), N.A., Plaintiff(s) V. JAMES D HARLIN Defendant(s) CUMBERLAND COUNTY COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK (USA), N.A., by and through its attorney, Paul J. Klemm and the law offices of Nudelman, Klemm & Golub, P.C., and files the following Complaint in Civil Action and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A., is a foreign business corporation located at 4851 Cox Road, Glen Allen, VA 23060. Pursuant to 15 Pa. C.S.A. § 4122, "a foreign business corporation shall not be considered to be doing business in this Commonwealth for the purposes of this subchapter by reason of carrying on in this Commonwealth any one or more of the following acts ... (8) [s]ecuring or collecting debts or enforcing any rights in property securing them [or] (9) [t]ransacting any business in interstate or foreign commerce." NN 107448 2. Defendant, JAMES D HARLIN, is an individual and citizen of the Commonwealth of Pennsylvania, who is believed to currently reside at, 505 GREASON RD, CARLISLE PA 17015-9416. At the special insistence and request of the Defendant, Defendant was issued a credit card by CAPITAL ONE BANK (USA), N.A., account number * * * * * * * * * * * * 7176. 4. The Defendant is responsible for an unpaid balance in the amount of $20,822.93 and interest in the amount of $.00. 5. Plaintiff has made demand to Defendant for $20,822.93, but Defendant has willfully failed and/or refused to reimburse Plaintiff for the aforesaid sum due. Wherefore, Plaintiff demands Judgment in its favor and against the Defendant in the amount of $20,822.93 and interest from the date of breach, with continuing interest thereon at the legal rate from the date of Judgment plus anticipated court costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Respectfully Submitted: NUDELMAN, KLEMM & GOLUB, P.C. Paul J. Klemm, Esquire 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 NN 107448 CAPITAL ONE BANK (USA), N.A., Plaintiff, 0 70 V. JAMES D HARLIN Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unworn falsification to authorities, that he/she is an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, and that he/she is duly authorized to make this Verification, and that the facts set forth in the foregomp Compl ' t in Civil Action are true and correct 7tothe best o his/her knowledge, informati an lie Dated: q H v an N00000038975619 791311079 A070 NUDELMAN, KLEMM & GOLUB, P.C. 007LIq ? SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor 'J7 ? fa a•3 y •._97 t ? F .. f I J Sri 1 i' 1 Sl r{ F I 11 A Capital One Bank (U.S.A.) N.A. Case Number vs. James D. Harlin 2012-2019 SHERIFF'S RETURN OF SERVICE 04/03/2012 08:17 PMI - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on April 3, 2012 at 2017 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: James D. Harlin, by making known unto himself personally, at 505 Greason Road, Carlisle, Cumberland County, Pennsylvania 17015 its contents and at the same time handing to him personally the said true and correct copy of the same. SH SHALL, DEPUTY SHERIFF COST: $34.00 April 09, 2012 SO ANSWERS, RON W R ANDERSON, SHERIFF CAPITAL ONE BANK : IN THE COURT OF COMMON PLEAS OF (USA) N.A. : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff(s) V. : CIVIL DOCKET # 2012-2019 JAMES D. HARLIN, Defendant(s) c1r ?' -r ,qprdV1 AND NOW, this day of April 2012,, Defendant, JAMES D. 14 44 IX' - se, files this answer and preliminary objections. ANSWER 1. Defendant has no knowledge as to the truth or accuracy of this allegation about the corporate status of Plaintiff. 2. Admitted. James D. Harlin lives at 505 Greason Road, Carlilse, PA 17015. 3. Denied. 4. Denied 5. Denied. PRELIMNARY OBJECTIONS 6. Plaintiff alleges that there is a contract between Plaintiff and Defendant but offers no proof of that contract. 7. Plaintiff alleges that Defendant made charges on a credit card issued by Plaintiff but offers no proof as to the dates, amounts, or merchants involved in the alleged purchases. 8. Plaintiff alleges that Defendant failed to make payments on said credit card, but offers no proof regarding Defendant's payment history. WHEREFORE, Defendant asks the Court to dismiss this Complaint for failure to state a cause of action. Y *S D. HARLIN 505 Greason Road CAPITAL ONE BANK (USA) N.A. Plaintiff(s) V. JAMES D. HARLIN, Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DOCKET # 2012-2019 CERTIFICATE OF SERVICE AND NOW this ["r day of April, 2012, I, James D. Harlin, hereby certify certify that I have served a true and correct copy the attached ANSWER AND PRELIMNARY OBJECTIONS by regular, first class U.S. Mail on: .PAUL J. KLEMM .425 Eagle Rock Avenue .Roseland, NJ 07068 Respectfully Submitted, A ES D. HARLIN 5135 Greason Road Carlisle PA 17015 ROBERT L. BAROSKA, ESQUIRE FILED-OF NUDELMAN, KLEMM & GOLU IP.PIE FROM 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 Z01?- Zfi 973-61&0000 ID # 306728 U W&AL Ir CAPITAL ONE BANK (USA), N.A. CUMBERLAND COUNTY Plaintiff(s) V JAMES D HARLIN No. 2012-2019-CIVIL Defendant(s) AMENDED COMPLAINT IN CIVIL ACTION NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defiend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written prance personally or by 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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. AVISO USTED HA SIDO DEMANDADO/A Ell Si usted desea defenderse de las denumd4s que se presentan mAss adelente en las siguientes piginas, debe tomar acci6n dento de los pr6ximos vemt (20) dies depues de la notificacift de esta Demand4 y Avios radicando personalmente o por medic de comparepencia escrita y radicando en la sus defensas de, y objecciones a, las prese aqui en contra suya. Se le advierte de qu tomar acci6n Como se describe antenormen, puede proceder sin usted y un fallo por cA alq e dinero reclamada en la demanda o cualqu?er otra reclamaci6n o remedio solicitado por el d unandante ser dictado en contra suya por la Corte s' mAs aviso adicional. Usted puede perder dinero o p opiedad u derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A S ABOGADO INMEDIATAMENTE. SI STED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUIENTE OFICINA ESTA OFICINA, PUEDE PROVEERLE INFORMACION A CERC*A DE COD CONSEGUIR UN ABOGADO. 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. Cumberland County Bar Association 32 South Bedford St Carlisle, PA 17013 (800) 990-9108 SI USTED NO PUEDE PAGAR POR LCpS SERVICE DE UN ABOGADO, ES POSIBLE QUE'ESTA OFICINA LE PUEDA PROVEER INFO CION SOBRE AGENCIAS QUE OFREZCAN ERVICIOS LEGALES SIN CARGO O BAJO COSTO A PERSOI QUE CUALIFICAN. Cumberland County Bar Association 32 South Bedford St Carlisle, PA 17013 (800) 990-9108 CORTE abogado u orte por escri si usted fallf to el caso ui r soma IN THE COURT OF COMMON PLEAS OF ERIE COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff V. NO. 2012-2019-CIVI JAMES D HARLIN Defendant(s) AMENDED COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK (USA) N.A., above named, by through its attorney, PAUL J. KLEMM and the law offices of Nudelman, Klemm &d Golub, P.O., and files the following Amended Complaint in Cull Action, and in support thereof aver follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A., is a foreign business corpora located at 4851 Cox Road, Glen Allen, VA 23060. Pursuant to 15 Pa. C.S.A. § 4122, "a fon business corporation shall not be considered to be doing business in this Commonwealth for purposes of this subchapter by reason of carrying on in this Commonwealth any one or more the following acts ... (8) [s]ecuring or collecting debts or enforcing any rights in proper securing them [or] (9) [t]ransacting any business in interstate or foreign commerce."' 2. Plaintiff is informed and believes that Defendant resides at 505 GREASON CARLISLE, PA 17015-9416. COUNT I - BREACH OF CONTRACT 3. Paragraphs 1 through 2 are incorporated by reference as if set forth at length herein. 4. On or about February 15, 2002 Defendant entered into a written agreement Plaintiff. The signed application is not accessible to Plaintiff as the transaction may occurred via telemarketing or the internet. The Customer Agreement is attached hereto as E "A" and incorporated into evidence. 5. Defendant owes the principal sum of $20,822.93 for credit extended by Plait on account number 5291492145547176, and the reasonable value of goods sold and delivi and/or services rendered. The credit card statements which include an account history with substance of every adjustment for any debit, credit, interest and/or fee, and the time and place said transactions are attached hereto as Exhibit "B" and incorporated into evidence. 6. Plaintiff reserves the right to supplement its pleading should documentation become available that relates to the account referenced in this complaint. 7. Pursuant to the terms of the credit card agreement, Defendant also owes interest. 8. Plaintiff avers that Defendant breached the agreement and is in default for to make payments pursuant to the terms of the agreement on or about September 25.2010. 9. Plaintiff has demanded payment but Defendant has failed or otherwise refused pay the aforesaid sum due. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in principal amount of $20,822.93, interest and costs with continuing interest thereon at the rate from the date of Judgment. The damages requested are less than the maximum amount compulsory arbitration as set by the Court. COUNT H - ACCOUNT STATED/OPEN BOOK ACCOUNT 10. Paragraphs 1 through 10 are incorporated by reference as if set forth at length herein. 11. There was due from Defendant the principal sum of $20,822.93 on a certain book account, account number 5291492145547176. The credit statements which include an account history with the substance of every adjustment for y debit, credit, interest and/or fee, and the time and place of said transactions are attached hereto Exhibit "B" and incorporated into evidence. 12. Plaintiff sues Defendant for goods sold and delivered and/or services rendered the Plaintiff to Defendant, upon the promise of Defendant to pay the agreed amount as set in Exhibit "B" and incorporated into evidence. 13. The Plaintiff sues Defendant for the reasonable value of goods sold and and/or services rendered by Plaintiff to Defendant upon the promise of the Defendant to pay a reasonable price for the same amount as set forth in Exhibit "B" and incorporated into evidence 14. The Defendant, being indebted to Plaintiff in the principal sum of $20,822.93 an account stated between them as set forth in Exhibit "B" and incorporated into evidence. 15. Pursuant to the terms of the agreement, Defendant also owes interest. 16. Plaintiff avers that Defendant breached the agreement and is in default for to make payments pursuant to the terms of the agreement on or about September 2$j, 2010. 17. Plaintiff has demanded payment but Defendant has failed or otherwlise refused pay the aforesaid sum due. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in principal amount of $20,822.93, interest and costs with continuing interest thereon at the lE rate from the date of Judgment. The damages requested are less than the maximum amount compulsory arbitration as set by the Court. Respectfully Submitted: Nudelman, Kl eMm & Golub, PC Robert L. Baroska, III, Esquire Nudelman, Klemm & Golub, PJC. 425 Eagle Rock Ave., Ste 403 Roseland, NJ 07068 (973) 618-0000 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A Plaintiff ) V. ) JAMES D HARLIN ) Defendant(s) ) VERMCAT QN NO. 2012-2019-CIVIL The undersigned does hereby verify subject to the penalties of 18 Pa.C.SI Section 4904 relating to unworn falsification to authorities, that I am an authorized ageo?t of Capital One Bank (USA), N.A., Plaintiff herein, that I am duly authorized to make this Verification, and that the facts set forth in the attached Affidavit are true and correct to the best of his knowledge, information and belief and is based upon information Iwhich Plaintiff has furnished to counsel. I understand the attached Affidavit will be incorporated by reference into the Amended Complaint in Civil Action filed in this matter. The language in the Amended Complaint is that of counsel and not of Pllaintiff. To the extent that the contents of the Amended Complaint are that of counsel and are relevant to the Verification, Plaintiff has relied upon counsel in making this Verification. Dated: 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff NO. 2012-2019-CIVIL V. JAMES D HARLIN Defendant(s) AFFIDAVIT PERSONALLY APPEARED before the undersigned officer, duly authorized to administer oaths, d &k&-Psk{ _, who states under oath as follow: 1. I am over 18 years old and competent to testify to the matters set forth herein. I am an authorized agent of Plaintiff CAPITAL ONE BANK (USA), N.A. ("Capital One') for purposes of the affidavit. I am authorized by Capital One to testify to the matters set forth herein. As a result of the scope of my job responsibilities, 'II have personal knowledge of the manner and method by which Capital One creates and maintains certain business books and records, including computer records of defaulted accounts. 2. The Capital One books and records are made in the course of Capital One' regularly conducted business activity and it is a regular practice of Capital One to make these books and records. Each of the Capital One books and records reviewed are made: (1) at or near the time the events they purport to describe occurred, by a pn with knowledge of the acts and events; or, (2) by a computer or other similar digital means, which contemporaneously records an event as it occurs,3 3. According to the books and records of Capital One, a Capital One account was opened in Defendant's(s') name for the purpose of obtaining an extension 4 credit. Subsequently, this account was used to acquire goods, services or cash advances in accordance with the Customer Agreement governing use of that account. Defendant(s) have failed to make the required periodic payments on the account. 4. The books and records of Capital One show that Defendant(s) is/are currently indebted to Capital One on account number 5291492145547176 for tie just and true sum of $ 2012 2.93 as of Ma 3. 2011 that all offsets, payments and credits have been allowed. This balance is comprised of Defendant's(s I ) outstanding debt on the date the account charged off (including any pre- charge-off transactions, interest and/or fees) less any offsets, payments or credits applied to the account after the charge-off date. The Custom Agreement entered into between the parties also authorizes Capital One to recover from DefeRda*e)gasonable attorneys' fees and cost to the extent permitted by lej, ` . YA ?8? •R •R 46 `? NOTARY•''OG % Pt1BLIC .: CZ 46 . 302B Date ISSION Q EXPIRES ?• ,? ? If • 1. 101 p W ? 4 ?QS yap ?? R C 4 ? N o Td p ? ? ? p ? a q ? ? GE? o F a?N E F ? _ gg ?, big m € a" E m 2 ??b E :?? ? app w CL CL m a ? I i U ° C w a qa 0G E+ ° co W N ? N 2 Zii ?I ? a ° b 5g Mgr 8$ r ?b ?b b 8 `o N b V1 r n s a Q pC CS O c `o W N e0ii O 2 ? W m s e 5€?@ $?5 L 8 w D 1 .1 I gg> W CC ? _ O 9 o All a • 8 8 a a 0 R ? 9 c? w aC of wl N ? N a il.2 5 .1 .1 d a?ee g?2 b a b = • B ? ?qq g g R 5 '' I191 lilt EXHIBIT A Capital One* Customer Agreement Welcome to Glpitd One.* Thank you for opening a credit Card Account with us. This Customer Agreement ("Agreement") contains the terms for your Capital One credit Card. Some Defnl#'ntns. The meanings of the terms you see in italics appear in the Glossary Section. To make the Agreement easy to understand, we will also use the following personal pronouns: "You," "your" and "yourself" mean each applicant and co- applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. It also. includes an Authorized User as defined in the wry Section. "We," "us," "bur" and "Capital One" mean Capital One Bank (USA), National Association; and its agents, authorized representatives, successors, and assignees. Account Documents. Your Account with us is governed by the following documents: (1 this document; (2 all Statements; 3 all rewards information and documentation if your Account has rewards; (4) an Privacy Notices describing our limitations on sharing information about you with others; (5) your Card benefits brochure which describes benefits provided by the Payment Card Network for your Card and Account. Tie most current version of your card benefits brochure will replace all prior versions; (6) the "Security" Agreement if you have a secured Card; (7) all disclosures and materials provided to you before or when you opened your Account, including Truth in Lending Disclosures; (8) all other documents and disclosures relating to your Account including those provided online; and (9) any future changes we make to any of the above things. Please read these carefully and keep them for future reference. An image of any of these can be used instead of the original. New Offers. In the future, we might make new offers to you or forward offers from others that we think you might be interested in. These offers may have new or different terms and documentation for these offers will be provided when we make you the offer. if you accept the offer, your previously disclosed terms will still apply accept as modified by the offer. Account kd6nnation. We need information about you to manage your Account. The information we need includes: (1) your legal name; (2) a valid U.S. mailing address and residential address (if different); (3) your date of birth; (4) your social security number or other government identification number; {5) your telephone number(s); and 6) your employment and income information. You must tell us when this information changes. Please update your address in the manner provided on your Statement. You may also update some of this information by ng onto your Account on our website or by cW or our representatives at the telephone number provided on .your Statement or on the back of your Card. We may u to provide additional documents that are ac to us you verify this information or any changes. We mainta' the right to restrict or close your Account if your irfformaa ozirinot be verified or if you do not provide additional inf mation as requested. Credit Lunits. When you open your Account, you will receive r credit limits. These will also r on your Stemen#s, might it I = also refer to your cred it as your credit lines. may give you different credit limits for the different of your Account. For example, you might have a d' erent it limit for purchases than for Cash Advances. You are responsible for keeping track of your AcPsi balances and your available credit limits. Do not your Account to go over any credit limit even if e authorized us to charge you an overlim=P for o, as described in the Interest Cllsars ees We may still honor transac tions above your credit hiour honoring of these transactions will not increase dit limit. We may also increase, decrease, restrict or cancel_I )our credit limit on any Segment at any time. This will not affect your obligation to pay us. Using Your Account. You promise to follow the terms of this Agreement as long as your Account remains open or has a balance. Please sign the Card immediately when you receive it. The Card is valid during the dates provided on the front. The Card is our prop , and you will return it to us or destroy it if we ask. You wil take reasonable steps to prevent the unauthorized use of your Card and Account. We are not responsible if anyone refuses to acc 't 7cuon Card for any reason. Also, we may reject any trafor any reason. Unless we tell you otherwise, we will ach transaction to the applicable Segment of your ACODUnt and apply it against your available credit limit for the Account and Card for that Segment in each Billing Cycle. You may also obtain Cash Advances and Transfe if they are permitted for your Account. Unless we agree, yo may not use a Transfer to transfer amounts from other Ac rats with us or any other company within the Capital One rganization. You must not use, or try to use, the Card for any Internet gambling transactions or transactions that are ill 1 or not permitted by us. You will still be responsible if do. In addition, these transactions will be subject to thisAgreement, and you might have to reimburse the Payment Ca-Network and us for all damages and expenses. From time to time, due to circumstances ou control (such as system failures, fires, floods, natudisast or other unpredictable events) our services might be unaveri e. When this happens, you might be unable to use your Ca or obtain information about your Account. We will not be responsible or liable if this happens. Rewards. Your Account might provide you with the o rt nity to earn rewards. If it does, we will separately provide! u?with all information and terms about your rewards. We will include on your Statements all rewards you have earned. It might take up to two Bing Cycles for your earned rewards to appear on your Statement. Using Your Access Checks. When we provide you with Access Checks, we will tell you whether we will treat them as purchases, Balance Transfers, Cash Advances or Special Transfers. Only the person we designate may use Access Checks. Access Checks may not be used to pay any amount you owe us or any other corrilsany within the Capital One organization. We may reject an not pay any Access Check for any reason. Some examples of reasons why we may reject and not pay include: yourAceount is delinquent, charged-off, bankrupt, lost/stolen or closed; our fraud system prevents the offer fulfillment; your Account is overfimit; or the checks have expired. Any liab#lity for our wrongful dishonor of an Access Check will be limited to your actual damages and will not exceed the amount of the Access Check. When you use an Access Check, you will have fewer rights to dispute merchant transactions than with other uses of your Card. Please see the "Billing Rights Summary part of your Statement and your other Truth in Lending Disclosures for more information. Stopping Payment of Access Checks. You may request a stop payment on any Access Check by contacting us as provided on your Statement. We may chharge you a Fee to stop payment as described in the Interest Charges and Fees section. If you call us to stop payment, you must also send to us a written request within 14 calendar days. We will have a reasonable amount of time after your stop payment request to research the situation and complete it. We will not be responsible if we cannot complete the stop payment because the Access Check was already paid, you do not give us the information we asked for or the information you gave us was incorrect. If we cannot stop payment for these reasons, we may still keep the stop payment fee. Once we complete a stop payment, we do not have to release the stop payment order unless the same person asks us to. If we re-credit your Account after paying an Access Check following a valid stop payment order, you give us all of your rights against the payee or other holder of the paid Access Check. You also agree to help us in any actions we might later take against that person. Using a PIN. We may give you a personal identification number (PIN). For security reasons, you might have to provide the PIN before you are able to complete some transactions using the Card. With a PIN, you may use your Car to: (1) obtain cash from certain automated teller machines (ATM) or (2) make purchases at certain merchant or retailer point-of-sale devices {POS). You may do these things if the ATM or POS requires entry of a PIN and displays the logo of the Payment Card Network on your Card. We will treat all ATM transactions as Cash Advances and all POS transactions as purchases. You should keep your PIN secure and not write it down, give it to anyone, or keep it with your Card. If you lose your Card or believe that someone has gained unauthorized access to your PIN, you must contact us immediately. Authorized Users. You may ask us to add one or more Authorized Users with additional Cards on your Account. If we agree to your request, we will need certain information about the Authorized User to manage your Account. This will be the same information you provided about yourself as described in the Account inforrrrartion Section. We may Omit an Authorized User's ability to initiate certain transo0ons. If we do, we will tell you about these limitations before adding any new Authorized user on your Account. Once we add an Authorised User to your =6t, we may discuss your Account with them and them with Account information. You will be responsi a for the Authorized User's use of the Card and your Acci: nt as well as anyone else they allow to use your Card or Account. This will be true even if you did not want, or agree to, the use. Remov1lmtg an Ai :zed User. If you want to remove an Authorized User from Account, you must contact us as provided on your State nt and request their removl. We will have a reasonabl amount of time after your request to research the situation nd remove them. You also must immediately destroy all Ca in their possession and cancel all of their billing arra s to the Account. We will not do this for you. During this time, you still will be responsible for all amounts they rge to the Account. You will be responsible even if these a do not appear on the Account until later. An Authorizer r may remove themselves from the Account upon requ t. We may dose your existing Account and/or issue: a new Card with a new Account number. Your Promise to Pa?tt. You promise individually and jointly to pay us all amounts due on your Account. This includes amounts where YOU did not sign a purchase sap or other documents for the transaction. If you use your Car, number without presenting yiur actual Card (such as for mail, telephone or Internet pun ses), this will be treated the same way as if you used vie Card in person. If YOU let someone else use your Card, you are responsible for all transactions that person make;. Your promise to pay us will apply to your estate if you die. Statements. We will send you one Statement for all Cards on ur Account unless the law does not require or perm t us to send a Statement. Statements will be sent at the and of each 84ng Cycle when your Account has a deb' or credit balance of more than $1.00, or if we have cha any Interest Charges to your Account. Your Statemen will show all transactions billed to your Account during the Billing Cycle along with other important Account information) Disputed Transactions. You must inspect each Statement you receive an tell us about any errors or questions you have as descri in the "Billin Rights Summaryry"" part of your Stateir nt and other Truth in Lending Disclosures. If you do not citify us as provided in those disclosures, we may assume that all information in the Statement is correct. If you dispute a transaction made by you or so ne else on your Account, and we later credit your Account f r an or part of the disputed amount, you give us all of your ri hts against that other person. You also will: (1) give us any merchandise or other purchases ycpu received in connection with the disputed amount if w ask; (2) not pursue any claim or reimbursement from the merchant and that other person; and (3) help us pursue and get reimbursement from the merchant and that other person; your help includes givi g us documents that we ask for and that are ac ble to us. Interest Chargo and Fees. We will chanW Changes and fees to your Account as disclosed to you in your Sitartements and other Truth in Lending Disclosures. to mineral, lrAr A Charypes begin to accrue from the day a transaction occurs. However, we will not charge you interest on any new balances posted to the purchase Segment of your Account provided you have paid your previous balance in full by the due date. We W11 treat the following fees as purchase transactions unless otherwise specified below. These flees apply to your Account only if they are provided in your Truth in Lending Disdmres. We may increase your lntenest Changes and Fees as described in the ChOMM to Your Agreement section or in your Truth in Lending Disclosures. • MembecibiR Ve may chargeyo u this Fee as early as your irst ' e or the first 8#1ing Cyde after this Fee becomes f it is an annual Fee, we may then charge it approximately once per )rear. If it is a monthly fee, we may charge it once in Bach Oft Cycle. This fee is payable in advance even if you do not use your Account. • Late Pavmerit Fee. We may charge you this fee if we do not receive your payment in time for' or us to credit it by the due date shown on your Statement. • Overlimit fee. If you agree, we may charge you this Fee when a transaction causes you to go over or remain over any of your credit limits during any BiNing Cycle. We may also charge you two additional Fees if your balance remains over your credit limits as of the payment due date in future Billing Cycles. You will only one Fee per Bitting Cycle, even if you go over your limit mule times in the same cycle. • piumW DowL€ee. We may charge you this fee each time any palymen you make to us is not paid by your financial institution for any reason, even if that institution later pays it. Returned Acc Chock Eqg- We may charge you this fee if we • do not pay an Access heck for any reason, including when your Account is in default, overlimit, suspended or closed. • SSttopDyment Fem. We may charge you this Fee each time you request us to stop payment on an Access Check or you renew an existing stop payment order as provided in the Stopping Payment of Access Checks section. • Coovina Fee. We may charge you a per-page fee for copies of transaction documents or Statements unless they are required in resolving a billing dispute. • Cash e fee. We may charge you this fee each time you obtain a Caish Advance. This fee will be treated as a Cash Advance transaction. • Trandgr Fete, We may charge you this Fee each time you obtain a Transfier. This fee wilt be treated either as a Special Transfer or purchase transaction depending on the Segment in which the Transfer posts. Transactions Made in F n Currencies. If you make a transaction in a reign currency, the Payment Card Network will convert it into a U.S. dollar amount. The Payment Card Network will use its currency conversion procedures in effect when it processes the transaction. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. We do not currently adjust the currency exchange rate or charge any additional currency conversion Fees. No Warranties. Except as otherwise provided in the "Billing Ilights Summary" part of your Statements, we are not responsible for any claim you might have regarding the purchases of goods or services made with your Card. Merchant RAW& If you are entitled to a refund for goods or services purchased with your Card, you will acct these refunds as credits to the purchase Segment of your Account. We do not control when e merchant s&Ws us your refund. We will also have a reasonable amount of time after we receive your refund to process it. Minimum Payment. Your Statement will provide instructions for ma ng payments, including the amounts due and the due date f receiving your payment. If applicable, your Statement will also include a minimum payment amount. To avoid a late pa t fee, you must pay us at least this minimum payment arrx unt by the du date provided in the Statement. If you have to incur lei for gang over your credit limit, be aware that ying only the minimum payment amount might not be enou to avoid an overlimit fee In addition to the minimum payment, you may lay all or part of the total balances on your Account. However, you must still pay at least the minimum payment amount eac month, even y u paid greater than the minimum on the us Statemeni We will continue to charge interest Charges duri g #III#* Cycli when you carry a balance regardless of whetter ur Statemer includes a minimum payment that is due. If you Account is 1 E days past due, part of a bankruptcy proceeie r otherwise charges off, the entire balance is immediately d and payable Mg Rnts• Your payments must be in U.S. dollars from a U. deposit account and otherwise be acceptable to us. Weo not accept cash payments through the mail. You may not ke ments with nds from your Account or any other creel account witl us or any other company within the Capital One organization. Marled PtsTnts. You must ma!{ payments to us at the address provided on your Statement or as otherwise instructed by us or our agents. We will credit it to your Account on the day we receive it, if: (1) you send the payment coupon included with your Statemer in the same envelope with your payment; (2) you include your Account number on your payment; and (3) your payment arrives at the address indica' on the p ent coupon in our processing center by the time indicated on your Statement. If your due date occurs on a day on which we d not receive payments, any payment received the next day which conforms to the above requirements will not be treated as late. Please allow at least 7 days for postal delivery. Unless we or oui agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any othe form might not be credited for up to 5 days. This might cause you to be charged late payment Fees and additional Interest Charges. Faster Payment Services. We may make services available that allow you t make faster payments through a customer service represents ive urn a telephone, the Internet or other payment syste . We uwll describe the terms for using these services befo you use then You do not have to use these other payment sen ices, and we may charge you a Fee for using them. If we do, will tell yyoou the amount of the fee at the time you request the service. We are not responsible if a payment made using our payment services is rejected or not paid. Even if it is, we may still keep 0 Fee. If you give your Account number or other Account information to someone else to make a payment for you, we may provide Account information to them and process their payment as if you made it. We may refuse to accept any payment made by someone else for your Account. If we accept a payment made by someone else for your Account, you will be responsible for the payment made even if that payment is rejected or not paid. Payment ProAg. We may accept and process payments without losing any of our rights. Even if we credit your payment to your Account, we may delay the availability of credit until we confirm that your anent has cleared. We may resubmit and electronically collect m+ turned payments. We may also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle similar issues. When you provide an Item as payment, you authorize us either to use information from your Item to make a one time electronic fund transfer from your deposit account or to process the payment as an Item. We will provide additional information about this process on your Statement or other documents we send you before your payment. You may contact us and ask that we not process your future Items in this way. When you provide an !tern as payment, it might also be converted into an electronic image and colleewd and returned electronly. These electronic images may also be converted to substitutechecim We will not be responsible if an Item you provide has physical features that when imaged result in it not being processed as you intended. How We Ap*y Your Payments. We apply your minimum payments to lower Annual Percentage Rate balances before higher ones. We apply any portion of your payment, in excess of your minimum payment, to higher Annual Percentage Rate balances before tower ones. Items with Motive Words, Conditions or kallrudions. All Items that have restrictive words, conditions, limitations or special instructions added (including Items marked with the words "Paid in Full" or similar language) and all accompanying communications must be mailed to and received at: real One, P.O. Box 30285, Salt Lake Gty, UT 84130-0285. If you make your payment or send any accompanying communications to any other address, we may accept and process the payment without losing any of our rights. Credit Balances. We may reject and return to you any payment that creates a credit balance an your Account. Any credit balance we allow will not be available until we confirm that your payment has cleared. We may reduce the amount of any credit balance by any new amounts billed to your Account. You may contact us as provided on your Statement and request a refund of any available credit balance. If you contact us in writing, we will refund your credit balance within 7 Business Days from our receipt of your written request. Account lit. We may consider you in default of your Agreement with us if: (1) you do not make any payment when it is due; (2) any payment you make is rejected, not paid or cannot be processed; (3) you exceed a credit limit; (4) a bankruptcy or other insolvency proceeding is filed by or against you; (5) you die or are legally declared incompetent or incapacitated; (6) we determine that you made a false, incomplete or misleading statement on any of your Ac*nt documentation, or you otherwise tried to defraud us; (7) you do not comply with any term of this Agreement or any other agreement with us; or (8) you permanently reside outside the United States. For certain actions, including changing the rates nd fees on your Account, our options appear in our origi I offer materials when you opened your Account. Reme beu, payinng?? the Fees charged in connection with a default ' I not by self cure the default. In addition, if you are in defaults we may take the following actions without notifying you, uts the law says that we must notify you: 1) dose or suspend your Account; 2) lower your credit limits; 3) increase your minimum payment; 4) demand that you immediately pay the entirelbalances owing on your Account (for example, as described in the Minimum Payment section); (5) continue to charge you interest Changes and Fees as long as your balances remain outstanding; ar4br?, (6) pursue an other action against you that the law allows, which includes the filing of a lawsuit against you. You must pay us all of our collection expenses, attorneys' fees and court costs unless the law does not allow u to collect these amounts. Commwksdns. We may contact you from time to time regarding your Account. We may contact you in any manner we choose unless the law says that we cannot. For example, we may: (1) contact you by mail, telephone, email, fax, recorded message, text message or personal visit; (2) contact you using an automated dialing or similar device ( Autodialer"); (3) contact you at your home and at your place of 4) contact you on your mobile telephone; (5) contact you at any time, including weekends] and holidays; (6) contact you with any frequency; (7) leave prerecorded and other messages on your answering machine/service and with others- and (8) identify ourselves, your relationship with us and our purpose for contacting you even if others might hear or read it. Our contacts with you about your Account are of unsolicited and might result from information we obtain fr?m you or others. We may monitor or record any conversation or other communication with you. Unless the law says we cannot, we may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose. When you give us or we obtain your mobile telephone number, we may contact you at this ? umber using an Autodialer and can also leave prerecorded and other messages. We may do these things whether we ontact you or you contact us. If you ask us to discuss your Account with someone else, you must provide us with documents that we ask fo and that are acceptable to us. Credit Reports. We may provide information about you and the ccount to consumer (credit) reporting agencies and others as provided in our Privacy Notices. Information we provide i ht appear on your and the Authorize Users' credit reports. Xs could include negative information if you 'do not comply with the terms of this Agreement. We may obtain and use credit and income information about you from consumer (credit) reporting agencies and others as the law allows. Closing or Suspending Vowur Account. You may ask us to dose your Account by calling or writing us as described on your Statement. Your Statement will provide additional information about this process, and we may also separa provide you with additional details after your request. s might include payment information. It you use your Card or charges post to your Account after you ask us to dose it, we may keep it open or reopen it. We may dose or suspend your Account and your right to obtain credit from us. YW may do this at any time and for any reason, permitted by low, even 'rf yyoou are not in default. A suspension of your Account might be permanent or temporary. If your Account is dosed or suspended for any reason, you must stop using your Card. You must also cancel all billing arrangements to the Account. We will not do this for you. If we dose or permanently suspend your Account, you must also destroy all Cards. You must still p us all amounts you owe on the Account, even if they are charged after your Account is dosed or suspended. Lost or Stolen Card. You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your Card is lost or stolen or if someone else might be using it without your permission, you must tell us at once. You may tell us by calling the telephone number on the back of your Card or on your StatAeernent or by writing us at the address on your Statement. You will not be responsible for charges made to your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made using your Card, you will help us investigate, pursue and get reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are acceptable to us. Changes to Your Agrent. At any time, we may add, delete or change any term of this Agreement unless the law prohibits us from doing so. We will give you notice of any changes as required by law. If we do notify you of changes, we will send you a separate notice or inform you on your Statement. We may send this notice to you electronically as permitted by law. Our notice will tell you when and how the changes will take effect and describe any rights you have in connection with the changes. Your variable Annual Percentage Rates (if applicable) can go up or down as the index for the rate goes up or down. If we increase your Interest Charges for any other reason we will notify you in writing, 0 we increase your fees or other terms of your Account we will notify you in writing and inform you of your options in advance, including the right to opt out of some of these changes. We may increase your Interest Charges for new transactions and your Fees after the first year of the Account. Also, if your payment is not received within 60 days after the payment due date, we may increase your Interest Charges and Fees for existing balances and new transactions at any time. We may change any other terms of your Account at any time. The Law that Applies to Your Atmertt. Wemake dedsitins to grant credit and issue you a Cam from our offices in Virginia. This Agreement will W interpreted using Virginia law Federal law will be used when it applies. You waive any applicable statute of limitations as the law allows. Otherwise, the applicable statute of limitations period for all provisions and purposes under this Agreement (ind ding the right to collect debt) will be the longer period provided by Vi?nia or the jurisdiction where you Trve. If any part of this Agreement is found to be unenforceable, the remaining parts will remain in effect. Waiver. We will not lose any of our rights if we delay tak{ng any action for any reason or if we do not notify you. For example, we may waive your Interest Charges or fees witt out notifying you and without losing our right to charge therr in the future. We may always enforce our rights later a may take other actions not fisted in this Agreement if the allows them. You do not have to receive notice from us of any waive, delay, demand or dishonor. We may proceed against you before proceeding against someone else. ASST ent. This l rent will be binding on, and benefit, any of your and our successors and assigns. You may not transfer your Account or your Agreement to someone else without our written permission. We may transfer your Account and this Agreem t to another comparry or person without your perm! 'on and without prior notice to you. They will take our place under this Agreement. You must pay them and perfo all of your obliggaatio?ns to them and not us. If you pay us aft you are informed or learn that we have transferred your count or this Agreement, we can handle your payment in anyway we think is reasonable. This includes returning the payment to you or forwarding the payment to the other company or person. Glossary. *"Access Check" means any check we send to you to access your Account, We may also refer to an Access heck as a "convenience check" or a "purchase check." *"Account" means your Card Account with us. *"Authorized User" means one or more persons who may use the Card but is not responsible for the repayment of the Account. *"Balance Transfer" means a Transfer posted to the purchase Segment of your Account unless otherwise described in your Truth in Lending Disclosures. • "BNNng Cycle" means a period of time that smi ht vary in length but is approximately 30 days. The pe 'c period of time is described on each Statement. H r, you will have a 90rig Cycle even if a Statement is not r uired. We will often specify a Billing Cycle by the coon in which its dosing date occurs as provided on the Sta For example, a "March Bluing Cycle" will have a do date in March. We may also refer to a Billing Cycle a a "13111ing Period." If your Account balance has charged o , we may switch to quarterly Billing Cycles to your Account. •"Business Day" means any day in which Capit I One's offices are open for the processing of payments and credits. •"Card" means any Capital One credit Card assoaa with your Account, which includes all renewals and It also means any other access device for your Accnunr that allows you to obtain credit, including anyAcccOnt nnumber and anyAccess Check. •"Cash Advance" means using the Card to ob in loans in cash or things we consider cash equivalents. Cash equivalents include wire transfers, travelers' checks, money orders, foreign currency, lottery tickets, gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account and not to your purchase Segment. •"Fees" means charges imposed on your Account that are not based on the Annual Percentage Rates. • "Interest dam" means any dw to your Account based on the application of Annual rcentage Rates. • "Item" means a check, draft, money order or other negotiable instrument you use to pay your Account. This includes any image of these instruments. This does not include an Access Check. ,"Payment Card Network" means Visa Inc., MasterCard International Incorporated, or any other network provider displayed on the Card. • "Segments" means the different parts of your Account we may establish that are subject to unique pricing, grace periods or other terms. We create these parts of your Account for such things as your purchases, Cash Advances and Special Transfers. "Special Transfer" means a Transfer posted to the Special Transfer Segment of your Account and not to your purchase Segment. • "Statement" means a document or information we provide to you showing Acccwnt information including, among other things, transactims made to your Account during a BiNing Cyde. We might also refer to your Statement as a 'Periodic Statement" or a "Bitting Statement." -"Transfers" means balances transferred from other Accounts to this Account and includes Balance Transfers and Special Transfers. • "Truth in Leading Disclosures" means any Account information we provide to you that is required by the federal Truth in Lending Act and Regulation Z. These include your application and solicitation disclosures, Account opening disclosures, subsequent disclosures, Statements and change in terms notices. cai;"x o zoto c3ow or* aOtal OM is a *Wally ed W*e Mok. ? ?{ghts . R'V6W157 M-99488 OR16M oartuaon,a.lg,m M. 00 EXHIBIT B 500023 O go • spy ? MR? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital Onee balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-877`476-7939• FINANCE Previous Balance Paymeetle R Cre lift CHARGE $17,269.14 J-? $700.00 J +` $196.45 J/ul. 02, 2008 -Aug. 01, 2008 Page 1 of 1 MUWCard R*,. Accourd SN1. W114664.717e Your Account Information TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $9,780.98 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $9,780.98 marliN ChWW (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Pumham $17,931.61 0.03534% 12.90% $196.45 Cash $0.00 0.03534% 12.90% $0.00 ANNUAL PERCENTAGE RATE appNad Oft period: 12.80% J JM At Your Servlos - Go to Ito menage yon scant, or Oat 1800865-7070 to report a be or SIDIM cord or speak b Customer Rekbms ®.. Per n 1 l d a mailyour pep m b: x-088 Bert (USA), N.A. • P.O. Box 70884 - Chrbae, NC Sand histubiaa to: CepiW Orr P.O. B. mm • Set Lake City, UT e4im it 5 Nara a question about a charge on your slado ent7 Plea: refer to the Billing Rids Summary on the flack of your statement or visit www.m oitalone =Vdisoules Tnrwdions New Balance 1111Wlrtum Payment Due Date +? $3,453.43 $20,219.02 $398.00 Aug. 26, 2008 J? J? iL J 4 J aa. IUAR Nor AT (EAST TINS M MW 1 18 JUL Account Number: 5291-4921-4554-7176 Please print address or phone number changes below using blue or black ink. AoHreu 2 17 &L AMERICAN HEROES INC. CARLISLE PA 3 20 JUL GIANT FOOD 0112 CARLISLE PA 4 23 JUL AMERICAN HEROES INC. CARLISLE PA 5 25 JUL PURCHASE CHECK 1 274417919790 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. I Cftmft/t7W I what's in yourwaM?* 0 5291492145547176 01 0000000700000398003 New Balance Minimum Payment Due Date $20,219:02 $398.00 Aug. 26, 2008, ? JL J\. J PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ? J Capital One Bank (USA), N.A. P.O. Box 70664 Charlotte, NC 26272-0664 1111PnN1.11.11111v11PP111 IfI'III'I III °-11-1911119IIII-11 $700.00- $73.90 $9.28 $3,350.00 /dome Rhone AMwwa Mrorre F-ma#address a #9021508998707481# MAIL ID NUMBER JAMES D HARLIN 505 6R£ASON RD CARLISLE, PA 17015-1416 rnrrrl,Illrrl111rNt?141??Ihr,rlhllrlhlllrirl?llrlhrl?il Please write your account number on your payment made payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: 1. Grab copies of your other credit card or loan statements. z. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-877-476-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. Nor to Ada a potatoes Chavits. a.Grss Period. YOU VO hew A mermen Ones parted a 25 days WWWAlahathos Marge on hew PuMhom. raw bow" Narware,.raw*pww pwdmw and raw Powalww It you pay yourtebimsw Babllls", in moomwmW n wo Irrpohen Nobs for paymans . .., . and In *in fornb be o , I by your Payment am den. Then Is M pew Period on ooh advances and special oawmrs. In addition, inn b no Ono' Pews on ayaarecban yes donut pay Mab1i "NOW Balance. b. AMUft Fbew Charge. Tessellations warn are no outlets to a peer period ere asrssrd ilrr- charge 1) from thsdsb of Nor transaction or 2) from the data the trehpdbh ta F OOMOW to your A000unt or 3) town a* Nat calendar OR of all ohNmd bO ft period. Additionally. it you din not pay the Thaw BNrde" horn era previous Gang Period M full. Mew Chagas continue to sCCme to your unpaid bowl' Ida as unpaid baNn Is paid in full. This nNNN Mel you "W add Owe MarNe charges, avert N you pay pats or" New Been Indicated on to frond of your sWwnwt by to paynard do date, but did not w"for the P WAM month. Unpaid finance charges am ad{redto On appaabte slprisnt of your Aorbunt. o sI I --R FNNGa Charge. Foramen baing period that your eeooum is subbeet to a Nana 01", a mkrlrtwm told FlNANCE CHARGE of WIND WIN be ImpoW. d. Tempo" Redwlbn M Finance Charge. W reserve them not aaaa any ar all Manes charges for any VAn b" 2. Average Dolly hatlssoa pndndkg Now Pumhaws). Finance ahargs is calculated by nsalp" to day bean of each segment of Your account (e.g., can adwnw. Puohea, *paw to w and special pumho") by tits con otionaahg dlay I>wbdb 1ta(s) the het been WwAcurly ul"b"d to you. At the and of rich dry erring the bMV ponce, we ppy Ma daily Periodic rate for each See"W" oYoOawcra b moony beisn a eem sownent. Then at tie and of to aNssg Period, we add up tin roots of all" day wbuN " to arrive at your Periodb Now" emerge for sun """orb. we add up Me results *W OWN *v an to wr" at "Is total 1:41101110 mum" atlNpe for yaw account. To gd the daey Alan for each agnent Of your sawwd, war take the beginning balance for sod" ss(Pnws end ad any ase transactions and ay I I I %aW aharge dYoose d an the Previous dtyt lteleae for OW sap as . We am tutored any pymemt or orsdhe posted as of that day that an allocated to that eogmnt. This Oho us to $"Gnft Wq bean for war "pmts of Yaw ommm HOMW, It You pod to Now Setae Nnotafl m yam plwbw stmbnwnt In MI (a n your now be*=tact "ro or a credo srlouroX now treesrctladw, which postb yourpunMa ar epwAl PrsctWe"prents are no adaa 10 tin May- .. ,- .we calculate Ve avae0e daily baton by Gang as the day baWrop bWw and dividing the Nan by ore mmW r a the days in the anent boo eyeia. To aklsate your taw anew ahergo. mangy, yyour a"rspe daily balanoo by it* dory parbdk rose and by to ndaa of drys In tin cling period.. Pa to rowhdnN on a daily bob or do to mnlrnu"t fro nsa dlarV ea sesmrrt, Mere may be a Variance Wanton this caoatbn and the amount of Akan charge actually sans". 3. Anam POOMM a PA" (APR). a. The tslm"Annual Pataanppa Ree^ may appear as "APR" on ttw aara Of this resonant b. 11 the code P PAW" Prints), L (Oba"USOR), C POW" CG), aS ( N*Mo plane) appme on me Rom OF"" waietrbnt Ma to tit perlodlc lam(e), no Wtodb iglu 00 aNlaePWt ANINAW PERCENTAGE RATES may vary 4m" and my laced" or dsarfaa owed on tha ababl MINING, a sound in TV* we# so" Journal, Phw the wrath P WAOM r deddad to You, Tases olWpse tea be mlfmahrl m iM dtedtA' d YsaTt+haq PMod"' Wyourplod/sMalantendYq M the "Drift of Janary. Apt, July andOedw. C. N e0 Cade D (Mbrsley Prera), FPosts" UINM} or G Men" UNA) appom on iha nmt of Yaw staunwt net to ft Watts ra"). the phabad fetes Nor cmasPWMM Atd1UAL PERCENTAGE RATES may very "on" and my kw ww aaeraa ballad on we steted Maws, a tool M The WM t1tee JastW, Pkw tro nNOW PWADWIy dkebaW to you. Ttrae Ntata Will be arteobn m ea arm cry d yowbNBp perbd ash nom. t. AeawMteat of tat", Ooia" dad Raartne . #aynbM Fees.UMKft Iemsotyour&Alwwogtaerlw wa reserve the ANN to wait* or rat to assets any lies Without prior ftOmbB on to You?wOW wassail our bight to assess the sedasenator loss at a Water Now. 5.1 1 ttl1Ill Fee and liarrahstag yowAaeNul. Ire mnOerotdp tee appears on ass stawhem we war credit the fee N YOU mqum to abaYour *coo" wadn 30 days of ft "telling of ON slowness. You my aomnus to b" der account &AV the 30 day Perna 11460to your if you do rat pay aN ddrrya wad m hue meowMwbi th ND lye. a N You use your erect cord a somas MNpureghbe- b ale. ay Nensershlp lee prevlouay walwd my es r02 Nabd 10 Your occournit. 5. CM" or Bopooft Your Account You may request Mat Youraooad be abssd by cdssg or wmv our CuOmw PAMIMM Dpreero. At as tea a your request, wt ea PIOV you MNh MMOMI details mctoaMg your te0 K This ray , , , ,e nymnt Mbrmaot. N you use Your oredk cud Or Charges PON 10 your scoount after you s" us b doss yawscoowa, we ON lap yew Nomura opus or MOW It W Myaae a shrpsrd Yow:arowm and your ripM b obbth 9radk. line my eb reds d sy Ana Ina Ion sy ream, wan N ydti at Not M defasl. A Su@Peafm of your 000=4 can be permanent Nbnpgay. it your swum is Closed aawPerda, you mat atop warp Your 040 fad and "aunt. You "nett at" carnca1 spa prauNYCi»d hNang aoragenrms 10 ft socount. W Will not do this for you. if von doe o.Pamwway SuBpsm Your oaounk you:nwisi ale 68" ati ode 00 ft and oawnt access Mena. You nNrst am Pay all an owib you tads us on red snow. wan N May wore chargd ads yaw soaoum b Closed or eusperhdsd. 7. Matanp Psynhcrb, P"Mgnis YOU mil to us WIN be credited to your aaerm a OrV* lltAW adyw tealR POAM (1) you sea tin bohompwnm aline Wberil rot and yaureeak th tls anekad niod"W w WNW" and (2) ycurpsyrow sneshaMourpns@ao"Oeraery3Prn ET (12 noon PT). Pleas *Now N Nast an M bweren days la powawavery. PyrNete reesld y us at any dale. ft"- a M any otw term my not be awamd a of W. day ads rsahe town. Our business days all Monday through 8. NaBoe AaOUt Ebatlnle Chat NNnmrh you ptovbe a once r yos awnomze us alderb as hIf01HIM1F19111t1 yon b RNk• a otNilm Neonoruchlld traalrhonh y0w soound to proaa the PW M o e mock . W WN ors use i w m dim Rom your CONK to ma swami fund trwl r. hinds may be wNharNrh your dpat saoounl r 1 as doomaerrearn dyes beds! and you PSYMOK warwt 1001 yourolnsol b"k fan . yourlMSndsl ad"m. Your alia Prl N rdl y the data on the Ohea. W may lsubma and *Kit plaaly MUM returned Payments . p. Bankruptcy. it you are Sna" MY protections for 1 q your swounl this conmmkNb 4. kMohrn Nbnal lbr purposesh Is not am deb : "des atecwer a dat a obim. DS not hard ay aN^ to us BttoNnuawy uiN.YaClubDa. nnbyou ward two u'ard ebea haa your ayoo trptCy pOWWWOMA gw ywr attorney contoot us. TBIUJNG RIGHTS SUMMARY Pn COS 01 Erlm or Question abort Y . r SAN) N you "M yorai is "aaN, or N you. now Ndarrn dim on s tnaastbn atea, writs t shata awna Pont" at to daunt IWmph from of this st$W sm. We mist near o . dal SO do" after won dent you ate aM tNI apublern appeNea. Youwncaowcusftma or nary us by small or wsssae; tea doing win tel. your". In Your kdw, on to to foMawMB : your ale sod smogs Idmer, fin dollar odious of NNVaeba array, a aaaalpao i of tin snor and an so , N p0"bN, or why YOU bOM there Is an stir, or f you more sbnnelm. a no. dpppnar ate seen you are uaul You do no[ run to @%We R but pay soy smoura in gWu@W n web sus El YOU art etc oeYpomd to Pay nrs Pate Of yBthen we red in question. McNN we ktvestl low your we gnat repot you 40 delinquent or ate any action to the ernoum you question. T Special Rule for Credo Cad Purohas n you have • Problem with tla ::, props a servk•s net YOU pereono s dYw revs tea th good tam b ealfna pbblsm wayou may 1100 the mgta non b Pry the MWOMMO sm is property or eervkaN. You haw to to paoase Vice ors direthe"0.00 andte war fads In Yournee slot. orwNhn t00 rilM O OWN", M WN own orosreb to rrwctwa, a N los you the sMtNYSrrem $orOe prop"; or are , a purerhaes are omeoea ppatlNn d armed or 100 b of purchase.) PNsss mam"rb sign all oars ondenoe. T Does not ploy to business soooanfs ''. C1141010 One spoons uaom om pnvscy madmion: roe our wsbaa at CopNal One is a bdsreay sent" mock of Capital One FMesist Corporation. AN nphta reserved, 02005 Capnal One . . 'Ndor.PaPNen you erlbusWbasdW byraaermswdlwWwrr dsywreoaaaM pr•Mad (t)yw andfe bow Pssshdf *mnwwAyw*A*klf odwwrd I asdrpa(2)yapaI to , hap NerNYg coder y3pn.ET(12am PT). PAssidowalmo a(S)baeaerdreslspsYdMwy. pgWnelsraMabyadwedbebr/Narh siroatImNayrdbe asda Indindym o l ites.0er mdwerdyes•MMdy Incept aeasdN. sndaq MelaYs. Rana do not ub snow paper dpa dd wham PeOMaywpwmnt. JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015.94116 200494 12765 68.7270/256o 40603-o1 Pay to the vow order o/ JAMES D HARLIN Donors Arrchose [heck Use by Octobergl, 2008 R Richmond, VA Memo Date Signature us127651I' 1:2560?27011:7SO 2145547176"' just write a Capital One® Dear JAMES D HARLIN, Check! ftfchcm . One simple solution for the You have things to do. And now you have an easy, convenient financial toot to help you get them done-Capital One Purchase Checks.* Better yet, they give you access to your existing Capital One account and come with the same rate you pay for purchases made with your credit card. Plus, there's no transaction feel things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with audidence. Tacide home projects You'll never pay a transaction fee when you use these checks for cask] or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks are used without your authorization. Buy a gift for that Save time and money. Use your Purchase Checks to transfer higher-interest-rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pH less interest Treat yourself You've got things to do...get them done with these Purchase Checks! to a night out Thank you for your time, Consolidate your bills P. Taylor Jamison ti Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by October 31, 2008. Wont to transfer o balance now? Call 1400-955-7070 or go online to hftys //6en#Wbabaces q pftloimcomiefi?s. *Please see the reverse for important information about using these checks. JAMES D HARLIN 40603 200494 12]66 505 6REASON RD CARLISLE, PA go15.9416 Date 68.72701:560 Use by October3l, 2oo8 4o60301 Pay the VOID order r of puft*aft check Richmond. VA Memo Dollars Signature a'i2766V 1: 25607270&':750214554706"' a . M N m M m v T 0 T Z ZZ C) D r 2 N -1 1 0 Z C N m Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed chocks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anythin -whether ou're Q: What APR will apply when I use these checks? A: You will receive the same APR you currently enjoy on purchases made with your credit card. It's really pretty straightforward. Q. What is the difference between my "credit line" and my "available credit"7 A. The credit line is the maximum amount Capital One will 9 Y shopping for new clothes, enjoying meats out or just want to have cash on hand. Another way to use your checks is to consolidate debt from other credit cards and loans (except Capital One accounts). Q: Where are these chocks accepted? A: These checks are accepted wherever you would) use your personal checks. You can even use them at places that don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer If so, we will notify you. Examplesi, of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) May not quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please Oe sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May riot be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time b check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. ® 2008 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved, T M r m m N m m 9 v 0 T m S m M M H M m v 0 S T Z Z s r z N CCI 2 C N m 8 That you're saving or ... it's just a click away. w. Direct Banking Dear JAMES D HARLIN, . 2005M GCapital One® Online Savings Account 3.50% APY* on balances of $10,000 or more The Capital One Online Savings account delivers smart growth in a click. And stay safe with top online security standards and FDIC insurance. Maybe it still looks a little far off ... even though you've been A faster, smatter saving for it. But your perfect kitchen (or your perfect vacation way to save for home, or your perfect anything) is just a click away. Here's the account that can get you there with one of the best savings rates (insert IDUr drea* hem among the top national banks. 7 "' ¦ Capital One's Online Savings Account: It's protected by top online security standards, your money's always at your fingertips, and it's a great place to grow your higher balances faster. • 3.50% Annual Percentage Yield (AP'Y) on balances of $10,000 or more • 2.50% APY* on balances under $10,000 ¦ Easy online transfers° • No fees to slow you down ¦ The security of FDIC insurance And just because it's online, that doesn't mean it's less human. Our friendly Direct Banking Experts are a phone call away. Capital One Direct Banking-banking that delivers. Sinccerrel?y, Matthew I Jordan General Manager, Direct Banking *,°,** Please see back of letter for important disclosures. MEMOER FDIC Caplfd One aWk (USA), N.A. Capital One, N.A. 200520 Delivering one of the best savings rates among the top national I- ankiCS. It's just a dick away. Go to www.capitalonedirect.com. Please use Offer Code DGSMKW8DF cq?h Direct Banking Capital One' P Online Savings Account 3.50% APY* Mo Market National Average 3S% *W Online Savings Account APY based on balances of $10,000 or more. "Source: BanxQuote.com. Hkjh IC3 Yield 4Onkne Savings A Rewards S Business Mo.yn Market Aaount mm" Market Mon.l! rrMxt lic CDs ./ Capital One® delivers better banking in a click. !r Go to www.capitalonedirect.com Please use Offer Code DGSMKW8DF C ---7 . Direct Banldno 46 The Capital One" Online Savings Account: Delivering smart growth to help you reach your savings goals faster. $mon o Higher interest means faster growth. This rate towers An exceptional interest rate above many other money market rates ... it's one of the highest yields available in a savings account. It means na "two steps forward and one step backward." No fees There are simply no fees to erase any of the interest you're earning with our superior rate. You won't be playing fast and loose with your money FDIC insurance here. This account's insured by the FDIC up to at least $100,000 per depositor. So no sleepless nights. If you want, you can watch your account online day and Free online access night, from anywhere with internet access. And while you're online, you can transfer money to and from your other existing bank accounts, up to 6 times a month. Just because this account is online, it doesn't mean it's less Direct Banking Experts human. Our Direct Banking Experts will be there to answer your questions online, or they're just a phone call away. *As of 07107/08, if the daily balance of this money market account was $10,000 or more, the APY was 3.50%; if less than f 10,000, the APY was 2.50%. Minimum initial deposit amount is $1. Terms and conditions of this offer may change at arty time. Rates are variable and may change at any time. ° Withdrawals by online transfer are limited to six per calendar month. ** National Average of APYs for money market accounts as published by BanxCluote.com as of 07/07/08. This product is offered by Capital One Bank (USN, N.A., and Capital One, NA., members FDIC. Capkaf Ora BrMt (t1iAl, N.A ® 2008 Capital One. Capital One is a federally registered service marls. All rights reserved. CapgM N.A. Capital One Direct Banking- banking that delivers. ---7- Go to www.capkalonedirect.com Direct Blanking Please use Offer Code DGSMKW8DF A Capital One" Personal Loan Tratuecitions New Balance Minimum Payment Due Date $53.39 $19,692.18 $416.00 Sep. 26, 2008 J L J L JL J '? J )tM MY AT LAST T85 WOI)rrr get a great FIXED rate. J FIXED APR from / Loans up to / No Collateral Required 5.99%* $30,000 Apply trine at capitabneloans.com I Call toll free 14=-3M9212 Reservation Number. 0010488-027549653 Access Code: 031393 A Loan Representative will help you apply Please see Important Product Information on reverse for more information. CRO Offer expir0s:11/23108 Personal Loans FINANCE Previous Be ance PayrtMMe & Credits CHARGE $20,219.02 1- r $800.00 $219.77 L J ? J L Aug. 02, 2008 - Sep. 01, 2008 Page 1 of 1 ( aia iwCard Platinum Account SM4a146647176 Your Account information TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $10,307.82 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $10,307.82 (Fina r4S ChWW (Please see reverse for important information) Bade rate Periodic Corresponding FN4ANL:E applied to rate APR CHARGE Purchases $20,060.23 0.03534% 12.90% $219.77 Cash $0.D0 0.03534% 12.90% $0.00 ?raNIAL PMC NTAGE RATE applied this perbd: 1160% J 9M At YOUr S®vke • Gob wiegmitakne.om to menage your awou t, or Cat 1400-7070 to report s but or doW card or speak to Onbner Relations 0 Pay ORION At In a metpur payment b'. Capital One ?2? Birk (USA), N.A. - P. 0. Box 70864 • CherMte, NO Send hrquhias lo: Capitol Orr P.O. Box 30285 - Set I.eim City, UT 84114rM Have a queseon about a charge on yow statement? Please refer to the Biting Rights Summary on the bad( of your statement or visit mvw.aoitalone.com/disoutes 1 21AUG PAYMENT 2 02 ALIG CARLISLE BEVERAGE CARLISLE PA 3 02 ALIG VICTORS PIZZA AND SUBS PLAINFIELD PA 4 15 AUG GIANT FUEL #289 CAMP HILL PA 5=18-003 $13.78 $23.11 Are you interested in refinancing your current mortgage? Capital One can hall We ci?ar great r ales, no hidd fees, and you will receive the one-on-one attention of the same personal ban consulgmt from call to dose. www.capitabnehanelcens.com for more nformatbn. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVWJ.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. I ?+?, /'?,? ?'Te Gus I what': in your wall W Now Balance Minimum Payment Due Date $19,692.18 $416.00 1 Sep. 26, 2008, PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed J Capital One Bank (USA), N.A. P.O. Box 70664 Charlotte, NC 26272-0664 IHIIIJNIIt,HI'Illtl'1lIIt141111I111IHIIlIIH'II'I'111H1'lllll'll 0 5291492145547176 01 0000000800000416000 Account Number. 5291-4921-4554-7176 Please print address or phone number charges below using blue or black ink. Home AY one AAtema6r Phone E-ma!lacti ass N9024608998707486q NAIL ID NUMBER JAMES D HARLIN -105 GREA SON RD CARLISLE, PA 37015-9416 IhlHllrllrllhnll?rllr?lWlhlrlllllhdlrrlrrhlllllrrlllr?ll Please write your account number on your payment made payable to Capital One Bards (USA), N.A. and mail with this coupon in the enclosed envelope. IMPORTANT PRODUCT INFORMATION CAPITAL ONE, N.A. (CAPITAL ONE) IMPORTANT O(PORMATMN ABOUT PROCEDURES FOR APPLYING FOR OR OPENDIO A NEW ACCOUNT. To help the gore ornew fight the funding of ten as an and mnay ahaderatg activitiek, federal law requires all financial im nations to obtain, verify and mard mfmruUm that i I.Ibf- each person who opens an account. What this naaws Tar you: When you apply far a opeam account, we will ask for your come, address, dare of birth and W. information that will Win. us to identify you. This offer is nontmnafnnfbie and is void to residents of U.S.-deperdam meas. $25.000 minimum household income required. A higher minimum income is required for certain ban rdcoces. Cwdidoas of Offer: I am applying to Capital One, N.A. (Capital Owl far this loan. Everything Oat 1 have sated during any teleplione o i online application process is coact to the bow of myy knowledge. 1 understand that I must be 18 years a older and a U.S. citizen arpemeneat residew aliicp to ly. i utdersuurl that this offer is based on an initial aasceanamt that I Act CHOW One's uodit a Capital One maintains the right not to approve my [own if the information provided on or with my Ltum Invitation is iuconplete, maccunlc ar unveriftahte, a if 1 m longer meet Capital One's Standards fur creditworthiness andfor if Capital One receives my I4u t Imitation after rho offer has expired. I understand dint Capital Ox will retain any mfo ommon obtained during the relce4ashe applicants. process whether or not my lone afgNicedon is appmved. 1 understand can I may tar he eligible far this loan if I have applied if a Capiat One protium within the last 90 days, have an open Capital One Personal IN. or if I - currently delinquent or have defaulted on arty Capital One account in the past yeat. Capital One is authorired to check my credit and employment history and to amwer questions about Capital One's Z(ht cxpcncnc - with ma. In this paragraph, the words "1;" `roc" and "my" refer to each person who signs into tnviatioi. An applicatu, if married, may apply for a winsome account. Antesatlc Paymoo Service Opaou (if applin?LI. Capful One will notify you if your application far a lonn with automatic moalhly payrneats has been -pied. This notification will specify the data wI- you athomm. namOdy puymem will occur. if fouls arc unavailable as the lime we aucmpt to dclun your checking accoun4 you wk11 be respomible for forwarding a payment to us. If year payment Is wt receivW 1. How to Avoid a Faunae Chaege. e.Grace Petted. You wM have a minimum pow period d 25 up Without Maw ollafpe on new lroMses, new balance Uaslam. skew special putntesae and riser ocher dharys N you pry your IM "Now Salivate, In satlaaosnw wow to Iaparbei Nettee for payments below, and in tam ter 11 to be fledged by your payrham tlo NOW. Them Is no put pnfw on with advances and spatter batssas. In addition, then Is no prow Period on any traeadton N you w not pay the total "NOW BOWAN." to. Acomeng Finance Cheryce. Trshmaclbne which are not subject to a prow Penes am aaansed fahahee chomps 1) from the deft of tetrarsaotlen or 2) fromthe tab to trovsewon s procaasad b Your Awwnt a 9) nom to that calendar hey of In cumnt billing period. Additionally, N yaw did not py go "New Buenos" ndnthe previous boiling Period in full, Maros matpas CmMue to awns to your unpaid b$Wm tune the unpaid bNalce Is Pete In full. Ths marts that you my ON am Maw congas. even N you pay the aurae New Balance Indicated an the from of ynw satemwn by the payment due date. but did not do so for Me prsWas rrorah..Unpaid f rani dergas are cased to the oppaohem sepnhem of your Account c. hhosina n PNWM Claega. For tam swag period OW your rhwGum Is suNW to a nMnce cf", a orcrrem total FINANCE CHARGE of 1111.50 wW be Impose, d. Temporary Faveg WOrr in FNIatlee Chagas. We mane the right to not assert any or am nonce cho g" for any given bOM period. 2. Avenge DNy Balance OrAkWh p New Purchases). Foteww scope b caftWO by mubipyag the day butanes of each sago won drew atxoum (e.g., MO advance. pumhno, spos of transfer, and ePe . Purchase) by the wnsepontl V tlaly phede rasp) that host bow pmviwey dadcee to you. At the end of each day wrap the bang period. tae apply gas dNly pWoft fade to each segment of yourawoua to 1M dingy bran w of each eagment. Than at tM ON of the basng period, we add up the results of these day calculations to anWe N your comedic finance charge for sum taprmnt. We add upt the mews from cam segrrow to arrive at glt local pwamhk finance dirge for your account. To gal the day baance far own we rnMd of your scwwtt. we take the beginog balance for each segment and add any new bwsoc ms anday p tuft m m , ge edmAN&d m the p wious days balance to that segment. We then subtrood any payments o dedlb posed as of that day fload am allocated to that saprtkrd. Title gIM we the mpme day bee ce for each tapmcent of your ewawO. However, N you Paid to Now BII WM shown on your prowess etaaneM to full (or N your now balance was zwo or a dada arnousi now transactions, which POW la Yow prohase aspcial Purchase eepnkru am net added to the 004y balances. We calculate the awregr dNy balance by Oft ad VA daily besri aw Weather and dishing the arm by the number of the drys In the oumra basdp clack. To OSWM your late finance chow. mummy your avampe aaly bOtallae by the daily periodic note and by thewoos or date In am billing period. Due to roumtlrg on a duty bask or due to minbnum fimwe chage aaessement, two may be 0 Wallace between ark cs Watbn tae IM amount of faarce charge edualry an6tae. by the due date, a past-duc fee will be charged to your account. Capital One will tot notify you if such funds taro unavailable and will not be responsibb for any fns, charges or costs incurred in co Kern herewith. If you pay with an automatic monthly payment that is dishonored or returned, Capita One reserves the right to assess a S25 "Reo ..M Payment F.." If an automatic mealhly payment is reiomed, Capital Orr nNei the right W terminate this aulhuriratiun and your p ilielpalon therein. Monthly periodic su t mends will not be issued In participants in this plan. You most notify an in writing if any information changes regarding your tanki account Of if you would like to change din account or financial insthuum from which ycur anmmwd m?yrnent is dehited. Please remember m include a voiced check with your letter, if necewaty. We m m. Your writmh Mefication a lead 45 days helot: the payment due dare. or the change may {nut he implemaled until you nest paymwnt due date. Yw ." discontinue tut plan A any time by giving as 45 days' written notice. Plcase aead changes and termination room to: Consumer Loan nicr, 2730 liberty Avenue, Pimkburgh, PA 15222. Questions and concerns, about transactions can also be sent to the above address. Capital One supports Information privacy protection: Sce our Web site at www.capialorsecom. O 2(1X8 Capital On. Capital 0. is a federally regiwC[Cd service mark. All rights moved. •IFwe arcunable ro approve yyoou for a Capital One Prusonal loan with a fixed APR of 5.99%. win will automatically wr sinkr you for a loan with an MR up to highet; which you will have the ooppttion ro accept. Call us at 14MO-369-9212 or go online to npidbndoans.com for more dcow . 3. Aenual Peome Cage ROM (APR). L The tWM -Ate wl Penntage ROW may Mapper as "APR" an tMfront of tut aMlamK& b. If the wow P (CUarefly Prance). L (Otratary LIBOR), C (Onsion ry CM a 8 (Bwhhcard Pee) Opposing an On hard of thus M*wnW nod to the peaks to hMOK the perlotk rata and cwMponding ANNUAL PERCENTAGE RATES may vay gwrMy and may Iroreaae of aemaaa base on to stoW IMloes, a Owed In The WON Stoat Journal. Pitts an Me" plsybusly Moo" to you. Tlea manpN will be aledM an We not dy of your logging period wvafe by your palbtb staMrmil erodlg in the momne of January, Apo( July and Oclaitter. C. If the cote O WArM* Prime). F (Witty UBCR), a G (Treasury LIBOR) appaa on We bad of yaw paMnlerq wittothepatosieMo( tM$ It-kraMOM tartsspanaklp ANNUAL PERCENTAGE RAM myr vary mammy and toy kwa o ordaawa (rased all to etae0 InWOO, as found In TM WON SOW JeeW. Pbt ft margin prsvbuy sidwoo to you. T stew dhargas wb be effective on the Mr day of yaw bWq Dated such month. 4. Aaanwmnt d Lab, OVMRN &Ra RObane Patsaent lesae. U def tIS team d youri a w4poenmnt, the raserve the right to we" or roof 10 mess a" ftee wow prior r atelcstlcn to you without waMng our hlght to m"n ton saw a skmw face of a tea tare. 5. Mar4sMd Fee MO ReaswNg Yaw Aowum. If a memWmhhip to q"m m thin aeellm we wB nee to to N you requeet to cea your acward wNNn 30 daye d ths m @11 g of this sebnant. You may wrdh tohas me account wag to 30 day New haunt yew repast. If you do not pay all design owe on this pweurt voar M so Gays, a of you use youranew owed or "count afar you mqum to cso, cry ner bavol M pmviasy waNe my be remained to your awwnt. a. Closing or Blap"dMg Your Account. You may request that your aewunt be done by hlaleg or wtMng our Customer Ralpbos DepalnlMA N to tam of your request, we wH prow0e you with aesOnsl doom m Oft" your ewount. This my Include payment kft Wlal. N you us* your credit card or charges Pouf to your account OW you Oak us to ale" your awaan, we can Map yaw atbeum Open or realm ft. We my clwa a suspend Vow account mid your fight to obwn me. We may dates at ay am and for any mason, wen N you are not In dOmM, A suspanelon of your account can be Fee wo en aempaery. N your aocoua Is cased orsuspende, you mast cep rag your "A ON" and account. You no Onto weal all VOMMWLted calling artangsrtmms to ftaccouM We will not do the for you N we dose or pemisany swpmd your Ocooum, you cost also dean" N MOW Cone taw account aoosa dNms. You must sal pry am amouhe you am as an tle sdwut, wen it they was charged after yaw awwm is Now or suspended. 7. Mal" Payn mft Payr as you mail la as will be credited to your account as dpebusiess dy we me" N, Provided 0) you sae ft b=on Paton of IN stoWwwO and yourcMdr In the aldwed morns lame onalcp and (2) your payment Is mwhood In our pnoosssMp owew y 3pm ET (12 noson PT). Pease Now al lase ave (5) bushmces days for postal delivery. Peymahls iwokad by os at any, allow location or In AM Other fdm may root be eladlad a of the day we receive Itmm Our business days sm Money through 8. NOW& About , (Convention, WMn you pnwala • meN as Notono w you stbtorme us eaherto use atatrriccolh from your to., a aw.tarw setdronOC foal be. do om countorto pfboas 1M payment"a Baas . When the use hdtl/1vwft from You mawto ffs" an elections fund tmmfw, funds nary be Wptdhaam Imor m Your dapoaa aeoatnt o am m the saran day we me" your peyrnwd. and you well not rewlve Your own back yaw flown vial Iwmubn. Your sulaalppon is of by the we on the check. We may resubrra and GI Wrdnbaly OOIW rot~ py? ?... 9. Batimilwy. If you are entmad b wwtw proteetbrs lot your acowm. tut cortetutdaNan tai nor adamtalaw only ptrpwo. It is not an atbmm to coma . asaas a re vw a rt debt a nom. Do that and Oy PsY dheey to u without apealdrg with your Oft"" once Senkmplclr Court. if you want to us about your swats or yaw bw*nq y please lave your attorney wtded M. TBILUNG RIGHTS 81JMMARY On Coo of Enos or Oumftm about V wr Bill) N you think yaw big Is wuahp, a N you mom Wdwwid on an 0 trarsegbon or bill. YMM to to on a wowa sown posabs 0 am edteas tor "at" a m the Insfil at this statemmk We roost howaom you no Nut ell days alter we ant loom the nth bill an asash the aproblarn appeared. You an oN our Customer Rokem mhba or no* os by Offset ar WM.but dobg so ovoll nnat yaw ".In big your IeMw, gn u Nx ldbwlnp Youmans and acwmd number, tea dealer ariomm d sutpsebtl army, a deser mdtiesmar and an NpaeN.,do" you believe tan Is an NW,, or It you need mom Was [on, a daapnw "Of M Nam you can ureae YOU do noc naaeto Putt ay ato ou1eNon was w? ninaaaNgafNg it. but you are sal tab OWW0 ply the POO your tag mat an roam question. Whoa we ImOgaN your que stion, we cemhot report you n daacasWd or laa ay-0001la teal the amount You question. '.. t Special Rule for Credit Cab If youheve a problem win #W qLm y propeny orservlcn that You purchased with I deft nab. You Moe wed in good faM to eonedme pmbow you ANY have tlo fight not la pay the nertsisho g a pmperty a 1 servsas. You have tlw pdeaW 4 opUSMa price 1 wn tram phan"D 00 and tae 0ela your , none stela orwftMn 100 areas anew. N we own or operate lM noraaM, or N we you the tar of or s ere a p twvenal Mosams 0,00 he".) pwem.) Phase remember 10 sign all comosecesdarews t Doss not RPP(Y to Instant" accounts, Capaal One ssppwt atlanh nm privacy, Protection: was our Webs" tae algal. '. Cego OMs a fatlemey te91 - to om tram ot Capftal One Financial CorporNOn. All fWft reserved. 020018 Capul One 6oawboftrnatffaem: PysMharihsalw&mdb aedMbyasaasaaatl w O enW( wenMwtaroMdlt)yal wnd Nut n paarodelbas sa mt are yea thadb skandms ralwmanrlM W d (f)yar ) yxpepMtlmwoMwdm arpnmarYg want 6yspm. ET {lx rhoon Pf). f7raaba elaswM(ASaaraitwslm.PsswnaMy. PapsaNttoo"byeam dwkoWo win ay Acebonesymtbaae I adMdyoraarMstm.OwbaalasaayamMwoyhagh SokW f.addghldya Restdonutmomisa pawdice eb MOF .ry, yawpelwed. JAMES D HARLIN SoS GREASON RD CARLISLE, PA 27015-9416 Date Use by November3o,2008 200494 12]67 68-72701256o 4o603.01 Pay to the orderof JAMES D HARLIN VOID S Dollars Cep Richmond, VA Memo Purchase Check Signature 111 1276?no r:2S60727011:7SO 2iIt SS4717605 just write a Capital OW Dear JAMES D HARLIN, Putthwe heCkl You have things to do. And now you have an easy, convenient financial toot to help you get them done-Capital One Purchase Checks. Better yet, they give you access to your existing Capital One account and come with the same rate yyyyyy?????u pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fete! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with conihience. You'll never pay a transaction fee when you use these checks for r,* or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checkslare used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest-rate credit cardland loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself You've got things to do...get them done with these Purchase Checks!'. to a night out Thank you for your t me, i -P -* Consolidate your bills . P. Taylor Jamison Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by November 30, 2oo8. Want to transfer o balance now? Coll 1-800-955-7VV70 r go online to 1t#?•// p e ?/ *Please see the reverse for important information about using these checks. 40603 JAMES D HARLIN 505 GREASDN RD CARLISLE, PA 27015.9416 Date Use by Nowmber3o, zoo8 2DO494 12]68 68.7270/2560 40603-02 Pay to the order of V S Dollars Purchasa Chock A,hp Richmond, VA Memo Signature its I2768no i:2S607270ii:7SO2iaSS47i76n' a m N M x M 0 T O T Z ZZ n r- r Z m 1 C N m Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your avi enclosed checks? credit is your credit line minus your balance, i A: Nope. Nacia. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anything-whetl Q: What APR will apply when I use these checks? A: You will receive the same APR you currently enjoy on purchases made with your credit card. It's really pretty straightforward. Q. What is the difference between my "credit line" and my "available credit"? A. The credit line is the maximum amount Capital One will shopping for new clothes, enjoying meals out want to have cash on hand. Another way to t. checks is to consolidate debt from other credi and loans (except Capital One accounts). er you're )r just e your cards Q: Where are these checks accepted? A: These checks are accepted wherever you woul use your personal checks. You can even use them at pla es that don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Example of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported losVstolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer.'. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute, merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) May of quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time ?a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) Ware) returned unpaid. $0 fraud liability claims are subject to verification and investigation. ® 2008 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. M M co m a m 0 T M M T 'z a r Z N C 1 O Z What you're saving for ... it's just a click away. cap"X Direct Banking Dear JAMES D HARUN, Capital One" GOnline Savings Account 3.50% APY* on balances of $10,000 or more The Capital One Online Savings account delivers smart growjth in a click, while you stay safe with top online security standards and FDIC insurance. Maybe it still looks a little far off ... even though you've been saving for it. But your perfect kitchen (or your perfect vacation home, or your perfect anything) is just a click away. Here's the account that can get you there with one of the best savings rates among the top national banks. Capital One's Online Savings Account: It's protected by top online security standards, your money's always at your fingertips, and it's a great place to grow your higher balances faster. • 3.50% Annual Percentage Yield (APY) on balances of $10,000 or more • 2.50%APY* on balances under $10,000 • Easy online transfers° • No fees to slow you down • The security of FDIC insurance And just because it's online, that doesn't mean it's less human. Our friendly Direct Banking Experts are a phone call away. Capital One Direct Banking-banking that delivers. Sincerely, Matthew T. Jordan General Manager, Direct Banking *,°,** Please see back of letter for important disclosures. MBIOER FDIC Cep@N One OW* (USA), N.A. CROW One, NA. 200536 Delivering rates among the highest in the country for over 10 years--backed by FIDNIC insurance. Go to www.capitalonedirect.com. Please use Offer Code DG7P4QBDF Direct I Banking High Yield Online Savings Rewards Business n hu" medwt AMOM Mw" maim UN" modw L;?3r' CDs 200536 A faster, sr r way t0 save 01 (insert your dm* here). Capital One® Online Savings Account 3.50% IAIy* Monjey _ Market Natio al Aver e 0.24% Online Savings Account APY based on balances of $10,000 or more. "Source: BanxQuote.com. k.__.__ Capital One* delivers better banking in a click. Go to www.capitalonedirect.com Please use Offer Code DG7P4QBDF Direct Bankino 16 The. Capital One' Online Savings Account: Delivering smart growth to help you reach your savings goals faster. Higher interest means faster growth. This rate towers An exceptional interest rate above many other money market rates ... it's one of the highest yields available in a savings account. It means ne "two steps forward and one step backward." No fees There are simply no fees to erase any of the interest you're earning with our superior rate. You won't be playing fast and loose with your money FDIC insurance here. This account's insured by the FDIC up to at least $100,000 per depositor, so no sleepless nights. If you want, you can watch your account online day and Free online access night, from anywhere with interest access. And while you're online, you can transfer money to and from your other existing bank accounts, up to 6 times a month. Just because this account is online, it doesn't mean it's less Direct Banking Experts human. Our Direct Banking Experts will be there to answer your questions online, or they're just a phone call away. *As of 08/05/08, if the daily balance of this money market account was $10,000 or more, the APY was 3.50%; if less than f 10,000, the APY was 2.50%. Minimum initial deposit amount is $1. Terms and conditions of this offer may change at any time. Rates are variable and may change at arty time. Withdrawals by online transfer are limited to six per calendar month. •` National Average of APYs for money market accounts as published by BanxQuote.com as of 08/05/08. MEMMI FM This product is offered by Capital One Bank (USA), N.A., and Capital One, NA., members FDIC. CapffM Oft ?t (USA), N.A. 0 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. Caplial c , N.A. Capital One Direct Banking- banking that delivers. cqpft;X? Rio to www.capftalorwdirect.com Direct Blanking Please use Offer Code DG7P4QBDF 500250 0000 ENO ftla Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One" balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. GIH 1-800-955-7070 FINANCE Prwiats eatw= Payments 8 Credits CHARGE Trtmnrdiona New Balance Minimum Payment Due Dane i 1? 1 r 1? 1? ??? 1 1 $19,692.18 - $650.00 + $208.64 + $259.13 = $19,509.95 $403.00 r Oct. 27, 2008 L J? J L J L J L JL J ?:. J Sep. 02, 2008 - Oct. 01, 2008 Page 1 of 1 / #II W C d Phd awtt Acwunt 5M412 6 48 8 4-7176 Your Account Intotmadon TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $10,490.05 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $10,490.05 r f Inarm CharW (Please see reverse for important information) Balance rate Periodic Conespondkg RNAFCE applied to rate APR CHANGE Purchases $19,679.24 0.03534% 12.9D% $208.64 Cash $0.00 0.03534% 12.90% $0.00 ?AtMt AL PERCEM AGE RATE appNed this parlod: 12 e% J ARk At YourSw.*m • Gob wmamitsixe.oarn to manage your a=unt or Oat 1404955-7070 b spat a bat or stolen card a apeek to Qaaomer Rektlons 0 Pay OW*WM ormdlw Wrmantb: COW One Bark (LISA), N.A. - P. O. Bar 71083 - Cherbrb, NC 28272-1083 Send bgrdrfas to: Cspitel Orw P. 0. Bar 30285 - Sell Lake Qty, UT 8413(-02 Have a queeaon about a charge on yow statement? Please refer to the Billing Rights Summary on the back of your statement or visit www cpobbha.com/daoutag ttayq. Due Date .er. Y(FASf PAY AT LW rM AMOUNT "IMPORTANT NOTICE" Beginning with your Decertrber 2008 statement, youran Payment will no longer include transaction fees (non periods f rence charges), such as Cam AdvancO fees and Balance Transfer Fees. Also, you must pay a minimum payment every being period you have 0 balance. This minimum payment is required even if you paid more than the minimum payment or made mutwe payments in a previous billing period PAYMENT 2 03 SEP CARLISLE BEVERAGE CARLISLE PA $14.64 3 04 SEP PADDOCK WINE 8 SPIRITS WOODBINE MD $35.50 4 11 SEP PADDOCK WINE 8 SPIRITS WOODBINE MD $159,74 5 27 SEP GIANT FOOD #112 CARLISLE PA $49.05 Are you interested in refinancing your current mortgage? Capital One can help. We ofFor greet rates, no hidden fees, and you will receive the one err-one attention of the same personal ban consultant from call to dose. Visi www.ayildondameloens.oom fo more information. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 5291492145547176 01 0000000650000403066 Account Number. 5291-4921-4554-7176 New Balance Minimum Payment Amount Enclosed Lend a hand. Save the Viand. MAa u*o yow account onUn t toda+__ it's fast, easy and secure. ® Pay online anytime-no more checks, stamps or clutter. ® Moving? Change your address online or on the bock. Is Help save the planet-Go paperless. ® Sign up at www.capitalone.com. Capital One Bank (USA), N.A- P•e. Box 71083 Charlotte, NC 28272-1083 ill.urrt,.dlytutli9lhhll„f,lrlriyrlrrtltthrfdh?trlltl Oct. 27, 2008 $19,509.95 $403.00 L J? JL J? J PLEASE PAYAT LEAST THIS AMOUNT #9027608998707483# JARES H HARLIN 505 6REASON RD CARLISLE, PA 17015-941L ,..irultll.llritHtry..q.nMlr.r Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope, Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. i. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-800-955-707o and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. How to Avoid a FYwhaa Charge. o.(erass rube. You wa haw a rmnMUm grece P WW d 25 days wrour Myna dhwge m nw Pus mm, new Ware llnhrMs, nw ape" purdres end now other charges. If you pay Your tow "New askaWB', ill sCCa nonce warn the lrripomu Noes for polimeres below. hand in time lot N 10 be aa"W by your payment due daks. There Is no gram period on own edva- and spoaw ti m e In oditM, theta ism 9rao period on any barwaation It you do not pay the total "him Bsiance." b. Acrusp FIMMnda Charge. TMnWAHM which re not subject to a We= POW am ns"OW henna OMrga 1) from the asks of the bareabm or 2) from ter date the transaction is processed to your Account or 3) nom the Mo calendar dry of the curter billing POW. Adtationelty, It you did not pry the "Nov BWnce"from to previous biting period In full, fbrrwe charges Coruna to accrue to your unpaid balance untN the unpaid bewne Is paid In fun. This mom that you may 001 ass Mwna cherpss, even N you pay the mom Nw Balance f ditW on the nom of you OM~ by the Payment dos daft, but did not do so for the previous month. Unpaid Mena chergms we added to #0 appecabe segment of your Account . c. aserwsMe Pesetas Chdpe. For such booing period that your 111000e1t is 91.1400110 a fkU oMrgs, a mwrrnum total FINANCE CHARGE d 80.50 Will be Imposed. d. Temprny RO&Ww In Finance Charges. We ro"No the tight to rid assess coq, or all Shane charges for any given brag period. 2. Average Daly Balance grwladag Heed Pumsses). Finance durge Is cekadaksd by "Will I g the sly b oknbe of each segment or your account (e.g., all Wvanco. purchese, specw tksaksr, all special purchase) by the corresponding daxy prioere rive(s) that has bow prwAOUSy dhnaoesd $0 you. At the and of each day dung the b ft period, we appy to dolly p000dic rate for awash segment of yam "cam to ill dwy ww" Of each sogn at, Then at the and ON the wig period, We odd up the manse of owe day aNCUwlorw b amp at your periodic Mesa dirge fr eom wgmerd. We add up ter resuwh mswh segnwm toamp at theNow pertodio flWioe dhn9M for your awourn. To got the doily baWroe for each sag saint Of you account, won taw thm baglnnlag balance for each segment and add any ass baroMations and wry periodic Mara chops calculated on the pfevlous days balance far that spnwnt. We than subbed any pwymmle or omffitz posted as of that day that m aacbated to that segment. This gives M the sapWsM dolly balance for each sag--- at your account. Howmar. If you paid the New SOWN showm m you Previous MSWT d In full (or e your nw bo soce we mo or a creaks amount), nw transaclkxot. Which post la your Purchase r special Purchase sogmarher am net ~ to ter dMNy balances. We calculW the Manage ally bNaoe by Wring a ter dally bawhew logemer and dblahg the sum by Mu number of the days odes current bm" cycle. To alCWaie your total Musa merge, multiply your average ey balance by the day periodic rNS all by the number of days In the billing period. Due to too" on o day bob or this to minimum fiMnbe dwnpa swwnwnt. there may be a valence betwesn time aouNdmn ski the smount of Since charge actuay es/essed. Changing Address? 3. Alppw Paroselps Rekse (APR). a. The term -AnmW Party W Ravi" may appear as "APR" on the from of thle stWmwft b. If the coda P PUN" Prim), L (OuWWy LIBOR). C (Quarterly CM or S Monsoon! Prone) appears on ter from or this w ll~ read to ter Periodic 0o"l the weft roar and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may Rowe or dacroass baeW on the stobd lame, r Hwd In The Wa SWO Journal. plus the merger Previoesty ortdoeed to you. Thar changeswell baaff v on the that day of yodrberg period co by your periodic swnnwnt eeetp Inter monhe of JMMWY, APK July and October. c. M the code D (Mashy Perry, F OAOnaay LIBOR), or G (Treasury LIBOR) aic0eare on the from of YOW Wtseunt mkt to the parodic Mte(y. the pabdio row and odrrpwhrq ANNUAL PERCENTAGE RATES may vary Mmthy rid may hidlMese or', 0 based on It* etatW i ddes. es hand in The Wait Shan Journal. pen the margin Previously disclosed to you. These ofa VIN be eModve on the and day of your brig period each month. a. AMSMWWd of Lai. Ontwnt aid RebmW P"MMd Fen. Urdwtheksrms ryouroueHrerograss as we rokrvo ter rigbl foWales r not H erne any fns wlthau prior notification to you wafoW wMNMp our fight to user the some, or similar hes at a user time. 5. Membership Fee and Reruerap Yalu Account If a mw Mws* tee apprB maids OftMM, tat rip crew am fn If you rogdW to don your &comewwithk 30 des of Me nothing of as alaksRwM. You may oomMegth we the account during the 30 tlay period baffle your request. I you do not pay all charges awed an thte a0atetl with In 90 Days. or M you use your == all orawo9r Nth you milurt to dose, any membership be Ixavloully, waived may be rNMred to your soccuai. 5. Closing or BrpeWNg Yoh Anoend. You may request that your account be closed by oW" or willing our Customer halation Department. At thN Mw of your request, vw MX Prbrkrs you Wr1 aMWW dews ion o0avg your socouM. This may Include payment NNrN'am. If you use yam Clgda and r charges pot toyMUreaconm our you ask MID cioss youraceard. we our sap youraccountopen or reopen It. We may ooh or suspend your scownt and your fight to, - oredM We may do tMe Nwy links and fr any mum. even Xyou we not In death. A suspension of your account can be Permanent or temporary. M your accord Is closed a awpertnd, you Martstop trop you 0rea1" and account. You no alb carom ail preaohari=ed balag anangwnwn to ter sower. We was Mt deNt bas you. tt wo doe rpnaanMy appendywraggpmt. you rust also destroy a rsat CNN aid auowmt mms Cfhacd. You moat oa pay a amounts you asp us on hero abmwt, on X they woe charged Moir your aocalm is closed or suspended. 7. Maialg Payments. Payments you maii to us MIi be credited to your account a rite business day am receive ft, provided (1) you odd the boom portion of this slafteremil and your Cflaak in"* enclose ' wf M m wwoope ad (2) your payment is received in our pmo6*q am to by 3pm ET (12 nom PT). Psrsa&NOW at MW thus (5)twes es days for p06121 delivery. Papnsew feceh'W by W N wry COW IoooNm run any offw form may not be weditW Decline day Qua nonliv them Or M»knan aye m Monday through Address ........................................................................................... Home Phone ............................................................................_............. Alternate Phone ....::................ _.................................................................. E-mail Address ........................................................................................... Please print address or phone number changes above using blue or back ink. 8. aldl0e AOaW I When You porn ~ID aces u electronic fund transfer, funds may be MMahom bb ss won as the sane day am toWA will not =oWe your check bar Mot InsRU8c1. YouraulhotlaMon is no' check. we may n e ubnt and seem PeYbw b. 9.2kestiouplay.eyousm 11 lain you account. this corn rftW n is purposes. M is mot onaBem+P 10 Oos debt or oYhr Do not send ay psyn Without $P*Wng with your W*W Bankruptcy Cafe. M you ward to oor account or your batoupWy Proceed anonwy corn" us. tBILUNO RIGHTS SUMMARY gn Case of Enrols or Questions abort M you mink your bill Is wrong, or N you a Imm otl0n or bill, write to us on aas posaiblm at" address fr rquhles M SWORMm. We Murat hW Mamyou coo,. wo "M you dw MM bNl m Mint Nks e You con call our Customer PAWW& n emu rwebalks. but long W Wu W I your wow. 9iw os tlu foaowtephtrm account mrmbw, the ddlar Mfnomt r 1 tlesaygon d des earns end ac sagana you bell a does is an ator, or N you 1 description of the won you am uMUm pry ry Whoura M question 1N11e we I you, we BUD obligoded to pay the peas, question. White we Immo%0Ms your CPA you r daimquent or take any Mason tc question. t Special Rule for Credit Card Purcho N You have a Problem with sN qUe try I Met you purchased with a Dude and e fafth to coned the problem with des rho right not to pay the rerMwng amount i services. You have IMB protection onh uses Wore MMn880.0D arw 1M purohr rim 0 rodo rtstthar Igo tap of yam C011 Or the sea orlwal aavarlYentert for ter property or sehe oovared ragwaws of arerd or Iwo remember to sign all correspondence. t Does not app(y to busumss sacouft Crplw Oha support Informaon pre wsbeM at C&PU One is a Hamby n gbMMd IN FinaMw Corporation. All rights MWV you wnon:e w it to mama ona4li e It SOMUM W to lwn. When we Lao G*drorro fund our deposit account u palmwrd, and you urMaioleI sot by the doks on the ty collect returned . cam or rsoover a es dkwMy to us mom" or the m us abed your i, comm have your d more information on ri shoot as soon w n on the from of this itthw W days Mar r r problem apposrW. aces or notify us by serve your rights. In eh: yea name wd auspeaed error, m h, X possible, of why d mom information, a ot. You do not have to Irwestgating It but or bill that am not in ion, we cannot report Must the around you mperry. r services you how teed In good heart You may have the on the pop" x hen Mks Purchase prom has maid In your ailing address. of we tied you the a purchases are Of purehwm.) Please proMaon: ses our a mark of Capitol Cho 02008 Capital One Not quite ready to make paym',ents online, No problem. Fallow these simple steps Ito 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 carne with your 0 statement. Using a different envelope could delay process • Please don't include any additional correspondence. 0 • Last but not least, be sure to write your 1116-digit account number on your check. JAMES D MARLIN 200552 505 GREASON RD Date 12759 CARLISLE, PA 17015-9416 68.7270/2560 Use by December 19, 2008 41059-1. Pay to the y order of JAAAFS D MARLIN S Dollars Richmond, VA Memo Purchase Check Signature IIei275911¦ e:2560727011:750 2145547i760 just write a Capital One" DearJAMES D HARLIN, Puichm You have things to do. And now you have an easy, convenient financial tool to help Check! you get them done-Capital One Purchase Checks. Better yet, they I{?+e you access to your existing Capital One account and come with the same rate y pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fele! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere,, you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases And, thanks to $0 Fraud Liability, you won't pay a cent if your checks 'are used Tacide home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card,and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could Day less interest. You've got things to do...get them done with these Purchase Checks! Treat yourself to a night out Consolidate your bills Get cash for things you want and need JAMES D HMUN 505 GREASON RD CARLISLE, PA 17015-9416 Pay to the order of 200552 12760 Date 68-7270/2560 Use by December 19, 2oo8 41059-1. Thank you for your time, ?FJtU?. P. Taylor Jamison Director of Accounts P.S. You can use Purchase Checks just about anywhere! Please remeMl ber to use them by December 19, 2008. Want to transfer a balance now? Call 1-800-9551-7070 rgo online to htt?rs://transferabobnces aopfmtone.COM101V Please see the reverse for important information about using these checks. 41059 VLfJi E Dollars Rite Richmond, VA Memo Signature on 1 2760Re 1:2S607 270 11:750 2145547 176110 a M 0 mZ N M O -1 <f m of Om ?o ar T ? Z D? Z ? - S Z ? Cn Z 1 m QQ2m U) m. m r- t z M Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can 1 use these checks for? Capital One account. A: You can use them for almost anything-whether you're Q: What APR will apply when I use these checks? A: You will receive the same APR you currently enjoy on purchases made with your credit card. It's really pretty straightforward. Q. What is the difference between my "credit line" and my "available credit"? A. The credit line is the maximum amount Capital One will shopping for new clothes, enjoying meals out or just want to have cash on hand. Another way to use your checks is to consolidate debt from other credit: cards and loans (except Capital One accounts). Q: where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. You can even use them at places that don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examplel of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer.''. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: t) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) May not quali- - fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or yo r account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your ac t 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. ® 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. o m a Z Nz a mm 0 s o m -r p m = rn aw s T ; M a? 00 s W r 2 2 m M 0 _i f 2 -4 in ma z M 500250 O • o • sew too thm? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One* balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn haw. CaU s-Swll-955-7op. FINANCE Previous Balance Paymentts & Crests CHARGE Transecdons Now Bdance Minimum Payment Due Date $19,509.95 J-` $650.00 J + $213.66 J+` $243.03 J=? $19,316.64 J ` $406.00 J `Nov. 26, 200 8 Oct. 02, 2008 - Nov. 01, 2008 Page 1 of 1 rM,WCard Platinum Account 1 54a41KH4VA7178 Your Account Infonnaflon TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $10,683.36 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $10,683.36 F\inance ChWgU (Please see reverse for important information) J? Balonoo rate Penodic Corresponding FINANCE applied to rate APR CHARGE Purchases 519,50234 0.03534% 12.90% $213.66 Cash $0.00 0.03534% 12.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 12tI1% J AM At Your SMvke-Go u; momAmmcom to marope yea amount, or Cat I-M955.7070 to repot a bet or sbbn card or spook to Orstomer Robbons 0 Ply011111sad "utiallbaLggIll ormWyour payment ID: OWN One Bank (USA), N.A. • P.O. Box 71083.Oharbae, NC 2877?-1053 SOW hXpd lee No. Capita Orr P.O. B. 30285 - Salt Lake Oty, LIT 84130-M Have a quaNiwh about a dun" on your staeauehhY? Please refer to the Billing Rights Summary on the beck of your statement or visit www oovitabne.aomldisoufes C. Due Date ..'r. ALASE FAY AT EW TH6 AMONIT 2 30 SEP PADDOCK WINE & SPIRITS WOODBINE MD 3 08 OCT GIANT FUEL 0310 DILLSBURG PA 4 08 OCT PADDOCK WINE & SPIRITS WOODBINE MD $36.03 $12.44 $194.56 Are you interested in refinancing your current mortgage? Capital One can help. We off I r great rates, no fiK fees, and you will receive the one-on-one attention of the same personal ban consultant from call to dose. www.capitabnehornektens.cam for more information. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITAdONE.COM TO MAKE YOUR PAYMENT ONLINE. 5291492145547176 01 0000000650000406063 Account Number. 5291-4921-4554-7176 New Balance Minimum Payment Amount Enclosed Lend a hand. Save the land. Man&" your account onUne todelp - Ws fast, easy and secure. III) Pay online anytime-no more checks, stamps or clutter. Q Moving? change your address online or on the hack. e Help save the planet-Go paperless. O Sign up at www.capitalone.com. Nov. 26, 2008 J $19,316.64 J $406.00 J L J PLEASE PAY AT LEAST THIS AMOUNT 119030708998707486# JAMES I MARLIN 505 GREASON RD CARLISLE, PA 17015-9416 lilt, III rl•If•I•I•hlhlnrIPNhtPhIIII rldllp•utlIl - Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1063 oflilt,lttkrtlhl•IrhlR?l?•Ilutrrll•l•III•tl••Iljltlh!•hll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: t. Grab copies of your other credit card or loan statements. 2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at t-8oo-955-7o7o and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! om of 1. How to *101 110 Fknnas Charge. 2.0 - PerlOd. Y0uWI1 haw.a fMMUfvpew penod 01 25 days wMMUt Mersa dtkge m new purdlaus, new alaRdetaWa, new sPSclelpwafieses aro crew C@Wdurpa a Ypu Py yt W WW -New S"$W. M awortlence with the Irrgafent MMOO for WYmenls below. and in who for t to be taedbd by yaw pyrnhen duo doe. TIWw is ro 9=0 period on cash adV&now and special transitions. In adMm, men M no pace WNW It you de not pay the total period on any !M Tfew Bow".b. Aosnelg FMeroe Cheraw. Transactions whim are no subjad toapaos period a aaesaed arnernee eharye 1) hen the dab d gabansaanorn a2)honn the doe tae vanso mspmoo@Wtoyow AcomMw3)homkw net alptar day d toe current bang period. Admbany, t you did not pay lel "NowBalance" hen the plov" blekry MrbO M.krY, tknereeoanp. wrtlrue to acen" to your unpaid balance clap the unpae balance is paid in full. The rteas gat you my elM 0106 *WM charges, even k you pay the there NM Issuance indlowed an Ifs front of your selerad by the pwyrnest due rile. but del nol oow br the pnkea rnongl. Uhpeb maloe Mega we sddato the applicable es9nrnt of your Accounts. c. account PA Mho Choice. For each bMN* Period get your account Is saJect to a fkenw charge, a mhtmum tosl FINANCE CHARGE of $D.50 win be Idleloeed. d. Tetlpotery plenum" M Rehm CMr0a. we fteerve the rigs to not esaes any or as rkienw charges for any even being period 2. A serge belly Baaaiee (wagYq Nw Purdnaa). Finance dWgw s COWAM a y n*Olykip the day balance of seat spread dyewanxount (e.g., cash advance. pwehsa. speda taela, and SPWW purchase) by the wnaporndlp do ly I I SC ne(e) wed has been prev ea" disclosed to you. At the end dads any dung the boric Iarla. we app" the day perio 1 as for each segment of yaw amount to the deny balance of soon segment. Tien l the and of the bong period, we add up the results of Rhos deny coWANNO to arrive of your perodc Wow Marys for twat sslFtwn. We add up the nasals frbn eau mp fw bariw at toe toed psrodlo finance MMpe for youraaWl. To gat the day balance for seat apes" of your account, who /eel to beginning balance for ewob seprant aro add ay taw trasactba and any pariodlo Iarm dWapabhabd on the pran ous days baianoe for that espied. We Yuan subtredt ay payments or pedea Pala a d d l dyftet a etloested to that sapare. This gives w To sepals do" balance for each so a nt of your account. Hkaovet 9 you paid the New Salaaf shown onyourpmAcus Wftvo ! In full (or n your new balance who rem or acrude Mount), new transaaoa, whim pat to your purchase or special purdrse Minuses a not aesd to the Aa1y balances. We calculate fa average ally balance by std tat; an the dally balances bgedw and dwW ft is sum yBla rUmber of the days In 00 oumd being ydw. To auc aln your total fiance Mnergs, muelpy your eveage day asrw by the daily periodic role and by ft nuance days Mt to Using period. Dne to rbkMOg on a day bas or due to nunimum finenw carpe ass mono t, then may be a valence between this calculation and the amount of fiance charge actually asimissed. Changing Address? 3. Anal Palaaaleye Rees (APR). a. The bml "Anittol pNON4pe Ratr may appear as "APR- on IM front dtde tLNfrhaL b. t doe eode P (Otelav PokrM), L (Cum" USOR), C (Oruaerly CD), or S Monsoon PM* appears on the trod of this atpernwahad lathe puabatd sae(sl the psrlonic Rya and OblapoMkp ANNUAL PERCENTAGE RATES may very tlnettey and may Inelaaw d deobaa !load on the staMd knd,,, afameMTMWa -Jeumal, pus the magM prevbay disclosed to you. Theses dwpa win a eneoew onthehdai dy d yow being period covelad by your Periadb SUM - l adkV M the norms of Januery. Ake, July and October. c. tthe era 0 aaonlNy Praa). F PAM" U80% or G (reason, LIBOR) appears an On from of Your parent not tot to paMNc roe(s), the pwrilxm rata ads corresponding ANNUAL PERCENTAGE RATES my very mo"sy old my kMraaa ", , band on the $tand iroloes. a buds in The Wall Sbal Jour*, Pk* to harp ingeldhte y disclosed tpyou. The" changes win be eteoWS on the eat day d your bOM period each month. 4. Aasawhem of Lae. OMNI and" PWOMM Fees. Undw#wW sdyow&ja%W rplaerlWa, we reserveflneflattollsh arootbassesaytea WmMlt prod nd ncaudo to you without kWvbg our right to seem the era or aMaa fete at a WW dons. 5. alawOelMhlp rid ads Rmwssq yaw Aeceul. If a llm"ehip feoappae on tdt slim mat, nee wed own the fes p yW reWreelto (dose yaw 40001011wMtn 30 days d the make d tta ataenlert. You may oodeka to hoe to aowunt dung the 3D dy period befoni your iwgmest It you do not pay ed alerpes owed on this account with M 90 days, or If you use your bredt card or amount ASK you request to close, any nanwrshtp fee previously v"bad rosy be . reinstated to your account a. Closing or Suspending Your Account. You may request tat your account be abased by *Ong at wmkp ow Cuaortrr Relations Department. At the thew of your "quest, we wit Provbe you won addMaW dots on owing your account. This may Include Paytne It stasenm. if You hoe yourorsiducardorol paid 10 your WNW saw you ask use b close your aooourt, we can keep your account open or reopen it We may dose or arsin sid your mom and your right to obtain oradh We WAY CIO ids at ey me deed for any reason, wen n you a not in d~ A auspewko of your account can be psmenent or srnpomy. It your account Is oozed or suspended, you rasa stop uairry Yarn aatlt cad and account. You must also garoN a posiffacied boric anarlryaWds to to scocut. we win root do tit for YOU If wclose or ermaWRysuspend Yomaccoum.you "%at mo dakwy hoe oradn cads and account aura Moses. YOU train aW pay an amWre you Mae us m the account, even n they weft Charged NWYour account ls dosed Of suspended. 7. MIWp P"Mahe. PwyrtWde YOU ran to W wog be credited to your account as of to bueMMs dy who receive n, pwided (t) You send thebosom portion often stsartwN and your dear M the ehddeed nmiande awelope as (2) your payrant is "cawed in aurp once" career by 3pm ET (12 noon PT). Planes allow at Mesa Dw (a) aaMeas days for posed danwry. Payments hece"d by use at any other iocam or in any o1tWform may not be d &Ad adthe day we reoerw tem. Our buskless aye ads Moray through Address ........................................................................................... Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail Address .......................................................... _............................... Please print address or phone number changes above using blue or black Ink. 6. No1b Akaw EaOtrarte Chat When you paaride t dnak a you autfuoria us eMwb tow Mfornrmetlon Han your s, make • ae4lme eMctonte tuna trmaekanyow acae rdato process the paymsrn a a chick . When we use knl0rrrnWOrn from your crack b make a wMamrc fund ueaw. funds way be Wearaen ?TOUr deposit account a noon hoe 1M tarrs day we Mown' yet pwymeM, ono you will not moaw your Meth oak front your floanced MstMnan. YouraWM Ombon Is not *MW by ice data on the look. We may MOM and NOMOft0y ached nlbrMd poymwftl 9. Bakrupky. It you a arnas0 to bmakrupicy pnAectiors for your account this 00 is only for Inlicanational purposes. It Is not a atengt a . asswar "cover a debt or claim Do not send of pay" density to a aanout apo" Wan your a"t aeorney or the Berarcptcy coon. t you want to a about your account or your banetrpby psa?hove your attorney contact a. tBILUNG RIGHTS SUMMARY Qn Cese d Eno" or Oaalons aout Your Sul) 11 you think yaw bid is wrong, or t you rhea nwa information on s transaction or bill, write to to on a this!a soon " poseele st to address for uWanis f urn an use front of ads at*~. We host how from you no lase 80 do" after we a" you the feet al on aside these bo or pro1Wm emeaM. Youcancanow CulaneRelt" or"CRY ay What a, a .. but doing to win rat your lights. In your Now, ale us IN "towel : your one and account nurnber, the dons a ow of ewpacsed ender, a description dthe eror and on n possible, or why you believe there is an error, or t you more Wmf Wton, a description of me tan yed we uaurs You. do not new to pay ay amount h queegon wmhft win kNeuptpksp it. but you a068 dopoladbPythe ),hoe hiethaianot In yaw question. WNs we Inverli ho your , we cannot report tab arou"you Bastion. you as delinquent or bas ey much ,00", t Special Rub for Cftda Cad It you have a goban weh the propay a services that you purchased with w rider! dad You have bind In good Ianh to coned am prabMm aith gb.. you mry have the rig" not to pay the raeMmp Ktl u t on the properly or servers. You ace Ills prolaC$a only when the purchase price who mere tan $aO.OD eat" wa rasa M your hones BUM orwthin 100 mean of your aed"a. (t we own aolWle the nerdert, or twe you the sbernsertsntla tare P"Perty' a . all purchases a covered "pedai of arout or We" of purchaW.) Pea" renlernoer to sign all ooasporesnce. t Does not apply to business accounts Capital Oa support YkcrrnWm pMaf y powbon: see our "each at onaLloolonatualcas Capital One Is a federally nge"red sit roam of Capital One Flnanosl Corporakm. Ali 0" rsaevad, 02008 Capital One Not quite ready to make payments online, No problem. Follow these simple steps ito 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 0 statement. Using a different envelope could delay process • Please don't include any additional correspondence. • Last but not least, be sure to write your 116-digit account number on your check. JAMES D MARLIN 505 GREASON RD CARLISLE, PA 27015-9416 Date Use by January 22, 2009 Pay to the ord V ? rder oj LAMES D HARLIN Purchase Check Richmond, VA Memo IIa1276IV 1:256O727O11:75O2145547176115 Dollars just write a Capital One® Dear JAMES D HARLIN, A" IL '? heck! You have things to do. And now you have an easy, convenient financial tool to help you,get them done-Capital One Purchase Checks. Better yet, they g e you access to your existing Capital one account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fc?! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. 40 Use these chucks with o ndidence. You'll never pay a transaction fee when you use these checks for cas? or purchases And, thanks to $0 Fraud Liability, you won't pay a cent if your chec are used Tackle home projects without your authorization. Save Mme and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card] and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself You've got things to do...get them done with these Purchase Checks! to a night out Thank you for your time, Consolidate your bills P. Taylor Jamison Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by January 21, 2009. Want to transfer a balance now? Call 1.800-955-7070 or go online to htt>DS:?etrMnt?_ Please see the reverse lbr important information about using these checks. 41059 200552 12762 JAMES D I4ARUN 505 GREASON RD Date 68-7270/2560 CARLISLE, PA 17025-9416 gso5g•1. Use by January22, 2009 Pay to the order r ord ! of VOID Dollars Purchm Check COW" Richmond, VA Memo Signature i IIa12762R' t:256O727O11:75O2i45547176,12 200552 22761 68.7270/2560 41059•L 5 0 ao m= CO) Oy a o I m m O- D N m D Z C D go. r N Z 2 N 1 m ? m C 0 O Z y C = CO N m r z m Got questions? We've got answers Q: is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can i use these checks for? Capital One account. A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out Or just Q: What APR w$1 apply when I use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit, cards enjoy on purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"7 personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you ave filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of 0 r account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make With your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) May not quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or, may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the timeia check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or yoNr account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. C 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. T m 0 a r a T M M O D O T 0 0 m O D P O C) DO mz m S a m O ? O m aN D 9 O a Z Z N = m r C = m? ?F 2 m What you're saving or ... it's just a click away. Direct Banking Dear JAMES D HARLIN, 6 Capital Online One® Savings Account 200595 3.5 5% ApY* on balances of $10,000 or more The Capital One Online Savings Account delivers smart growth in a click. And stay safe with top online security standards and FDIC insurance. Maybe it still looks a little far off ... even though you've been saving for it. But your perfect kitchen (or your perfect vacation home, or your perfect anything) is just a click away. Here's the account that can get you there with one of the best savings rates among the top national banks. when you open an account and have a balance of $10,000 or more on 12V15/OS* A fast, sma r way to save r (insert your dreat here). Capital One's Online Savings Account: It's protected by top online Capital One security standards, your money's always at your fingertips, and it's a l f l hi h b t Onli ne Savin s Account er er. great p ace to grow your g a ances as g * 3.55% Annual Percentage Yield (APY) 550k APY* -3 on balances of $10,000 or more $50 . * 2.55%APY* on balances under $101000 !bonus * Easy online transferso when you open an amount * No fees to slow you down and have a balance of $1 or mom Markey et * The security of FDIC insurance o0 12/1SW National Average And just because it's online, that doesn't mean it's less 4.2496 APY" human. Our friendly Direct Banking Experts are a phone call away. Sincerely, s Matthew T. Jordan General Manager, Direct Banking *,°,** Please see back of letter for important disclosures. Delivering rates among the e for over 10 years-backed Online Savings Account AFY based orl balances of $10,000 or more. " Source: BanxQuote.com. MBER 200595 h-i hest in the country by FDIC insurance,' Open online at www.capitalonedirect.com Please use your unique Offer Code DHCGYXZDF Direct Banking High Yield 46 Online Savings A Rewards Business Mores hiarkot ACCOWK Money markd man" Ma" CDs ?,/ Capital One-better banking in a click. I? Open online at www.capitalonedrect.com Please use your unique Offer Code DHCGYXZDF C 1 --7- Direct Banking The Capital One Online Savings Account: Delivering smart growth to help you reach your savings goals faster. Higher interest means faster growth. This rate towers above many other money market rates ... it's one of the An exceptional interest rate highest rates available in a savings account. And when you open an account and have a balance of $10,000 or more on 12/15/08, you'll also get a $SO bonus credited to your account. It means ng "two steps forward and one step backward." No fees There are simply no fees to erase any of the interest you're earning with our higher-than-average rate. You won't be playing fast and loose with your money FDIC insurance here. This account's insured by the FDIC to at least $100,000 per depositor, so no sleepless nights. If you want, you can watch your account online day and Free online access night from anywhere with Internet access. And while you're online, you can transfer money to and from your other existing bank accounts, up to 6 times a month. Just because this account is online, it doesn't mean it's less Direct Banking Experts human. Our Direct Banking Experts will be there to answer your questions online, or they're just a phone call away. Capital One Direct Banking- banking that delivers. Open online at www.capftalc?na.A.rett.com Please use your unique Offer Code DHCGYXZDF • You are eligible for this promotion if you receive this offer. You will receive a $50 interest credit if you open an Online Savings account and have at least $10,000 on deposit on 12115/08. These deposits must originate from funds not currently on deposit with Capital One Direct Banking. Interest credits will be deposited to your account 4-8 weeks after 12/15/08. As of 11/01/08, if the daily balance of this money market account was $10,000 or more, the APY was 3.55%; if less than $10,000, the APY was 2.55%. Minimum initial deposit amount is $1. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time. ° Withdrawals by or-fine transfer are limited to sic per calendar month. -National Average of APYs for money market accounts as published by BanxQuate.com as of 11/01/08. This product is offered by Capital One Bank (USA), N.A., and Capital One, N.A., members FDIC. 0 2008 Capital One. Capital One is a federally registered service mark. AJI rights reserved. 500258 O • o • too nhm? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One,, balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-800-955-7070•/ FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Dde $19,316.64 J-` $600.00 J + $204.89 J+` $277.51 J=? $19,199.04 ` $396.00 J Dec. 26, 200 8 Nov. 02, 2008 - Dec. 01, 2008 Page 1 of 1 / M,WrCard platinum Account SM 4e2i 4SS4.7176 Your Account Information TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $10,800.96 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $10,800.96 / J Finance Cttaryes (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $19,325.44 0.03534% 12.90% $204.89 Cash $0.00 0.03534% 12.90% $0.00 ANNUAL PERCENT AGE RATE applied this period: 12.90% J ® At Yow SefMCe - Go m ,gffib mereps)ow secant, or Cat 1400.955711701o sport a bat or viol cad r speck b W ft. ReMv s 0 Pay OnNm et a mdl ycur psymem io: Cepitd One Bank (USA), N.A. - P.O. Box 71083 - Charlotte, NC 282T1.1M3 and hqulrles to: cow One- P.O. Bm 30285.sat Lake coy, Ur 84130-0285 1% KM ntr R LEAST n6 MmUa 1 19 NOV PAYMENT SH00.0D- Tr 2 03 NOV KRUGERS RENTAL SERVICE CARLISLE PA $103.35 3 13 NOV WOLFES ON THE SQUARE WILLIAMSPORT MD $37.05 4 16 NOV NEW GREAT WALL BUFFET CARLISLE PA $34.93 5 22 NOV KRUGERS RENTAL SERVICE CARLISLE PA $58.90 6 28 NOV CHENS KING BUFFET CARLISLE PA $33.28 Have a question about a charge on yaw dah went? 10 Please refer to the Billing Rots Summary on the flack of your statement or visit wwwapitalone.com/disoutes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO W WW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 01 00000006000003960b6 Account Number. 5291-4921-4554-7176 Due Date New Balance Minimum Payment Amount Enclosed Dec. 26, 2008 J $19,199.04 $396.00 L ? J? JL J PLEASE PAYAT LEAST THIS AMOUNT 119033708998707483# JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015-1416 I^-Inlllhl11kn-rll.-d-hhdl.rlyrlrl-hull--IPul111Nr Lend a hand. Save the 1land. Manage ydwr accoul t *"ran tad*Y-- i>rs fast, easy and seicwe. ® Pay online anytime--no more checks, stamps or clutter. ® Moving? Change your address online or on the (back. ® Help save the planet--Go paperless. O Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 710&3 Charlotte, NC 26272-1063 1111111-1H-r11 Id- 'I It : 1111111-1111 Please make checks payable to Capital One Hank (USA), N.A. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: t. Grab copies of your other credit card or loan statements. i. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-800-955-7o7o and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. How to Aved a Flnatlca Charge. a.Grace Pend. YOU WIN have a mY11-In Pee period Of 25 drys will faMP charge on late putpllaaa, new t aWlce transient, new spacial purchases and law other changes N you pay your total "New Bela , in Accoldarae win ne erlponalt Notice tot payments below, as in the lot it to be oNedNed by your PAymare die dN*. There is no place padad On dell advances end spsdal bantam In addition. there N no pace period on Any transaction N you do not pay the total New a - , ." b. AMYq FNande Charge. Transactions which am not sUE)W to a pea period Ara auesed tYenoe charge 1) from ter 400 Of toe irenaactlcn or 2) from the data the traaactnrl Is prOCON" 10 your Account or 3) from the rest OMW%W day d gw beam bNMg penloU. Addsonatty. N you did to pay the New BaMtae" tram the previous bNng pared In full, ficence Ohal" con nue to acne to your unpaid bafane until ter unpaid balance it pant in full. The meant than you may sal ow s finance carpe, Wall "YOU pay Me WOO WaBSWCO It"fiCaled On to fled d your WWWMWvt by toe p" vm des ds(Abut de not da an for the Previous. MID. (hiss Mane chugs WO addad In the appll0abla SOOffAt of yaw Account. c. 140 Atm Flebet Charge. For each bOV period the Your =Man is sublets to AMemo chow a mnillum tota FINANCE CHARGE of $0.50 wad be anpoeed. If. Temporary Rai maoin in Fiance Charge. We reserve the OW n not etas any or all finance onalga (many given bwq pared. 2. MW W Daily s a sm (merMrg Now pad sea). Fins vc* l- gW w eloaslad by thumpying ne dxy Inane d ewh serpent d Year dsooum (e.g.. ceeh advance. Padhass. spacial baeNa. And "Wet purchase) by tr*eow$ m" daily periodic rake(s) no hes been PrevouNY aedestl n you. At the as of each hay dung ter wmvpMbd M Appy Ua dally pwlom rare lor ach UPam 01 Yaur WWM to nodally l sane of each segmsK Than at the and dine bang period, we add up to MUe Of inures delay dakweaa to ante et your 1111010010 *0111100 dugs for each segnlem. We sod up the .go from Soon "Vim to Am" at ire aft periodic finance dwga toryoursocount. To gad ter daty belarea tor each NVMWA at your account, we Mks, the bapinning baane for OK41 eegivant And bed any new th aadfole an any pw om Manua charge cowumed or the previous dye balance Iv that esQmart. We tall sudraf any pay IN or wade pasted as of mat day Mat we ANoetad to ter WApam. Ttts gtes es the separate airy baane for nth 80PRW d Your .Account. However. N you Pall the NOW SeArM shown on your previous stWmat in full (or N Your hew balance wad Zero or a CNN stholm), new teaectioa. which Poe to yaw purchase or specel M"" $"MWO 40 bid Waded to the ally balances. We Catcotate the va'e dilly balsa by ad tin all the daily tnlaloeo 1d0 aNra aq dMidng to war by the nur ber of ter dye In elm rkeare brrlp cycle. To calculate you total talane oh 1, MOM youravetage daily (algae by the bialy pshledo MM w4 by ter nlllrlber d lays n ter bMp period. Dun to refunding on s 4" bee or des to rftnWnum finance dw v noweaw d. there may be a variance berweal this calcutalon and the amount of fiance carpe actually assessed. Changing Address? 3. Ama nd PUMCMpa Rates (APR). 8. NotldW About HaWonlo CM a. TAN harm "Areaaf Pes6erdage Rate" may appear n "APR" When yca 9twnde a Nneok as en the front of Osense are. emlerto MbvanywMnffan b. 11 the code P MAW" Prins, L (luaderly UBM C or S RaneCMd Print) appeMa on no 1laM Process; W Payntsre r a check-1I intontltlion fear yourderdt to niter tMeler. funds navy be vA11 dMr111100 a soon as the serlM M/esSYVe Whit not lean" Yaw look belt Marl institution. Your aunoMNWon is not crack. We nay rout eit and alectIltv wrn-ft 9. Ballnmplcy. N you an WNW to bo Yam account. toe ooff9a imso purposes. N b not an Auer 0 to data or Wis. Do not sea any Pay you savlonss us k to make 0 onefkre it account or to M1oo. When we use electronic low ourdePoeft esooum w psymare, and you a aarlcal ed by ter do* a the lily ODNW returned gncy plowdio- for y for kilo rnallon d $sa" or recover a a directly to e of thls atalarrM need to00OWbmc fill*), the0 ""' nNN Ahd awrespolva" ANNUAL PERCENTAGE RATES may very quarterly, and may moaae or damsels based on the taletl haloes, a faunal in The Was Street Journal, plea the Inan" previously disclosed to you. These changeswinbe-M oN ester Metdaydyourbeing period ddwres by yae paamdeaterare endng in ter ironfle of January. Apra. July as October. c. N the code o RAW" Prints). F (snaky LIBOR), or G efaMllerrt (nsaWy LIBOR) OPawe on to front Or your head to to periodic nn(sb toe periodic rasa and money And may eareaae of deerMe brad on the saastl kndMes. IN nand in The Wait Stare( Journal. plus ere therPn previously dMObeed to you. Thee changes will be 0000" on the sat dry Of your billing Period eah =Mh. 4. AMSeaard or LAM. O"IM * had RSUMWd P11~ Fen. Lbgago hams d Yaf canner sgnaerlMK M reservefndillbwin"ortactnms airyterWNhoul prior rwafiatbn to you WYhOL4 kra" our rghi to nOM the $Wr o or Sk%W fan d ¦ later tWM. 5. MsrMerNdis Fee and Renwaap Year Account If $ niambWahq be appeals en this statement. WO win =0 toe fee N you nigest to dose your account w thin 30 days of the mening d the a essine . YOU nay oomX"N touse Vie account during the 30 day peed banns your Iegnest. It you do not pay AN dhelgee dead on this saCWn with in 90 days, or 9youw we your MO sad or ssooure aer you m*w to were, ay r W eMahq tae prerkrusly wavedmy be Mk*tmw to your aoa m. a. cio" or Hespanalg Year Account. You may request that your aaalm be Oba4 py calling or willing our Cuelolrer Relations OepsMem: At the Urns of your request, we eds prwne you wan ad d lie dis silson dosing your admits. This may Include psynam ImonraNan. N you use your aadN Chad ordWgM post to your account OWYOU r" us to oldie your Accent, we can keep your sccouf open or reopen f We may pas a sapere Your scout Nd your rlgM to omen credit. We they 00 11111 at Ay bona and for any ream. Want N YOU Are at In default. A suspension Of Your account can be pan ant or bMPO ly. 11 your Account Is closed or suspended. You rand atop using Your cheat ere she sowure. You must 060 artier Sit P"M OWrIZW daft an V*MoWto atesccase.WeWill not do this forYOU. If we doe or peraantiy aePOW yooreoecuae, you out also destroy all use cede heed Account Scan cheeks. You amt MM pry all anlahres YOU hew ca a the account. wen N they were Barged afar your Account is dosed or suspMldW. 7. Monng Nyn enla. Payments you mail to us will be credited to you sandu of tub WWO day M Moe" It provided (1) you sae the bosom ponion of this staterare andyawdedo n thou erelo"d remMance etwWw WW (2) your payment Is moarad In our paooeeing Career by 3PM ET (12 noon PT). PMM @NOW at scat five (5) business days for postal dattery. PayranM reserved by u at any other location or in AM otherfcrnt my not be credited AS Of the day we scats than. Our business drys are Monday through Address ........................................................................................... Home Phone ................................................................._........................ Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink. Santini" Court N you were to coded us abed your account or your bankruptcy prooes lIN. Please have your arey cgnact us. tSILUNG RIGHTS SUMMARY On CM of Eant or Question about our BXh It you think yam bill Is wrap, or N you he" mere knomhaon ch a ftAlsarrika or otX, wrlla M es -alaat tl coon as poeatee at ere tor tMfrcht ct tea staMrnM. We nt $0 days Ater - we sere youtie orr Prebiam eppssnd. rl You can cell our Custw~ Rel bar or mdNy es by or wwbee. had dbleg 00 yam dills. In your leM.r, fie" a th nMOMM da nary as ur J sdddum rerfOKter daftAm pOtad am a description d ter ado anal an possible. d why you believe there e en error o are kdemraon. a des00PON re Hit. You do net haveto pay ay amburf w atlfwlkrg K but you Ant etM pey tI aNl thq Ant al In ghMipn. WAM we Inwwpale . M sofas report you a dMnWdm or take any Action ni,cOUedi the araurt you question. t Special Rue for Cradle CAm P N you hre a pebam win quay property orsenses that you punlaeed with 1 drew cam you have tried in good serf to edited toe peblath whth ter . YOU rtay have to right tat to pay the recsidninp V Ipal1l on ter papery or services. You eve ate Fs I. 11 rn when fu purchase price was mere than $50.00 And tha wet Bade In your horlA ateaorwNhln 100 YOU d pour address. (If we own or 0patle the merolvat*III we you the versswnws for fin woo" or ed purchases M , 0 cowed Ipedass of amours or oed9in of Purchase) Pease renterrosrto sign all oordsponanca, t Don no apply to business account Capita One suppafa Immrallon privacy protection: Wes our wadaM at Capital One Is wave I a federally msgaMderaf service arch of Capita our Financial Capolaton. AN rights hmenm d 02008 Capital Ono Not quite ready to make payments online? No problem. Follow these simple steps',to make sure we process your payments smoothly: • Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your 0 statement. Using a different envelope could delay process • Please don't include any additional correspondence. 0 • Last but not least, be sure to write your 16-digit account number on your check. JAMES D HARLIN Soy GREASON RD CARLISLE, PA 17015-9416 Pay to the order of JAMES D HARLIN VD 200552 22763 68.7270/2560 41059.1• 5 Dollars CM Richmond, VA Memo Date Use by February 28, 2009 Signature n¦ i 2763111 1: 25607 270 &1:750 2 i45547176n¦ just write a Capital One® Dear JAMES D HARLIN, CL' k! h You have things to do. And now you have an easy, convenient financial tool to help ec you get them done-Capital One Purchase Checks. Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fee! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks are used Tacide home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card', and loan someone special balances. That way you could have fewer bills to pay each month. Pius, you could pay less interest. Treat yourself to a night out Consolidate your bills Get cash for things you want and need JAMES 6 HARLIN 505 GREASON RD CARLISLE, PA 17015-9416 Pay to the order of You've got things to do...get them done with these Purchase Checks! Thank you for your time, 20 -P.-* ?? I - P. Taylor Jamison Director of Accounts P.S. You can use Purchase Checks just about anywhere! Please remember to use them by February 28, 2009. Want to transfer a balance now? Cali 1-955-70701 or go online to htOps.-,Y&vmlierbalances.capltlalone.aam/o*ers. Please see the reverse for important information about using these checks. 41058 200552 22764 Date 68-7270/2560 Use by February 28, 2009 41059-1. ate, 7 C? Dollars Pumbne Check Richmond. VA Memo Signature H2127616111 1: 2560? 2?O 11:7 50 2 145 54? 1?6111 m p O Z m 9 a m m O m E O N a W a m o p m m = m M T Z m to > Z Z O p O a > r N T O G M m m o r ?E m rn Z a N O m r 0 ?m Got questions? We've got answers Q: is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can 1 use these checks for? Capital One account. A: You can use them for almost anything-whethor you're shopping for new clothes, enjoying meals out or just Q: What APR will apply when I use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit'Xards enjoy on purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or dosed; you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer.', All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) May jnot quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please The sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or! may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. ® 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. T M a D a N a m O v O O M O N O n 0 M0 I i m0 0 g rA M O M p !" m a i T M 9 D Z n a ZZ Z 1 O O O i y m r rm What you're saving for ... it's just a click away. Direct Banking Dear JAMES D HARLIN, W 0 Capital One" Online Savings Account 3.55% APY* on balances of $10,000 or more The Capital One Online Savings Account delivers smart growl'th in a click, while you stay safe with top online security standards and FDIC insurance. Maybe it still looks a little far off ... even though you've been saving for it. But your perfect vacation (or your perfect anything) is just a click away. Here's the account that can get you there with one of the best savings rates among the top national banks. Capital One's Online Savings Account: It's protected by top online security standards, your money's always at your fingertips, and it's a great place to grow your higher balances faster. * 3.55% Annual Percentage Yield (APY) on balances of $10,000 or more • 2.55% APY* on balances under $10,000 • Easy online transfers' • No fees to slow you down • FDIC deposit insurance increased to $250,000 through December 31, 2009 And just because it's online, that doesn't mean it's less human. Our friendly Direct Banking Experts are a phone call away. Capital One Direct Banking-banking that delivers. Sincerely, Matthew T. Jordan General Manager, Direct Banking *,',** Please see back of letter for important disclosures. 200595 Delivering rates among the highest in the country for over 10 years--backed by FDIC insurance. Open online at www.capitalonedirect.com Please use Offer Code DIRYY6HDF Direct Banking 200595 A faster, smarter way to save for (insert your Brea i here). Capital OnO Online Savings Account ,,?-3.55%1AW Money Ma et National Average 0.22%1 APY" Online Savings Account APY based oni balances of $10,000 or more. *' Source: BanxQuote.com. High Yield 6"M Savings Rewards G Business (* eso,KyMarwec aaam A Mw"s' ra?e MoneraLrMee L`,?? CDs Capital One delivers better banking in a click. J? Open online at www.capitalonedirect.com Please use Offer Code DIRYY6HDF -;;rw Cow Direct Banking) The Capital One Online Savings Account: Delivering smart growth to help you reach your savings goals faster. Higher interest means faster growth. This rate towers An exceptional interest rate above many other money market rates ... it's one of the highest rates available in a savings account. It means pQ "two steps forward and one step backward." No fees There are simply no fees to erase any of the interest you're earning with our superior rate. Your money is safe. Safe and secure. Your account is FDIC insurance insured by the FDIC to at least $250,000 per depositor, per institution. This increase is currently approved until December 31, 2009. If you want, you can watch your account online day and Free online access night from anywhere with Internet access. And while you're online, you can transfer money to and from your other existing bank accounts, up to 6 times a month. Just because this account is online, it doesn't mean it's less Direct Banking Experts human. Our Direct Banking Experts will be there to answer your questions online, or they're just a phone call away. Capital One Direct Bar banking that delivers. Please use Offer Code DIRYY6HDF *As of 1 W3WOB, if the daily balance of this money market amount was $10,000 or more, the APY was 3.55%; if less than f10,000the APY was 2.55%. Minimum initial deposit amount is $1. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time. ° Withdrawals by online transfer are limited to six per calendar month. ** National Average of APYs for money market accounts as published by BanxQuote.com as of 10/3W8. This product is offered by Capital One Bank (USA), N.A., and Capital One, N.A., members FDIC. 0 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. Open ollhe at www.capitaionedirect.com 500258 O • o • s?..a t« taft? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One' balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-800-955-7070- previous Balance portents & Credit FINANCE CHARGE Tranaa tligns New Balance Mirdmum payment Due Date $19,199.04 - $650.00 + $214.86 + $0.00 = $18,763.90 $402.00 Jan. 27, 2009 ? J L J L J L J? J? i? J Dec. 02, 2008 - Jan. 02, 2009 ('01aatarCa d Plallnu. Mcount 02M411I14564•T17a Your Account Information TOTAL CREDIT LINE TOTAL AVAILABLE CREDIT CREDIT LINE FOR CASH AVAILABLE CREDIT FOR CASH Page 1 of 1 KM MY R LE49 M AWKILW =M_ $30,000.00 $11,236.10 $15,000.00 $11,236.10 (Finance Charges (Please see reverse for important information) Balance rate Periodic Caresporbing FINANCE applied to rate APR CHARGE Purchases $18,999.19 0.03534% 12.90% $214.86 Cash $0.00 0.03534% 12.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: iLse% J At Yaw Service • Go to =1D Manage You eccmnt, or fist i-000.WO70ID regal a bet or eIDW OW or speak lo Ontomer RebtonS 0 Pay OnNm d faKaMd* =Or nl it lou Perms to Cap" One Berk (USA), N.A. -P.O. Box 710B3- Chabtts, NC 28772.1083 Bond bulutrles to: Cap" Orw P.O. Box MM - Sd Lelm City, UT 841MI = Nees a question about a charge on your oldenierrt7 Plem refer to the Blirlg Rights Summary on the back of your statement or visit www conVdiRxtw PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 01 0000000650000402007 cow W_ - Account Number. 5291-4921-4554-7176 Due Date New Balance Minimum Payment Amount Enclosed Jan. 27, 200 , J $18,763.90 $402.00 L L JL JL J PLEASE PAY AT LEAST THIS AMOUNT i19000308998707481p JARES 8 MARLIN 505 GREASON R8 CARLISLE, PA 17015-4416 ,11.1. 1- Ilh4t lhlHhll?I??mItllP?llllh-hl-11111. l 1.I Lend a hand. Save thei land. Manage yew mount online todaY- iYs feet, easy and sector. ® Pay online anytime-no more checks, stamps or clutter. 0 Moving? Change your address online or on the, back. d Help save the planet-Go paperless. O Sign up at www.capitalone.com. Capital One Bank (USA), N•A- P•O. Box 71063 Charlotte, NC 26272-1063 IIIIIP-Ift.?It41rIIriIII III -1htltrrllrlrlll?Hrr#Iltlltlrhtl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the end6sed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. 2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at i-800-955-7o7o and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 002 al 1. Hoar to AvaM a FNaese Carpe. a.Oraeg Nrlad. You VAN haw a rnadmwn creme phew of 25 days vich" I M -hags on nor purchaser, new halos awaMa. raw spiced px&ASM and raw oNar ern - Byou pay pow mw *mm aw~, In aaoaadarna web to MV~ Notice Ilor pay go beau.as Mdse forai"eNdN ypurpaymaM ddd.1 4r. As $radePehed an ant Movares OW @POW Yaralare. in eddlN' . there a no wwo POW ON any "gamic" 4 you a not pay as ilia! b. Aga ft O aaae Mail TmnWgtlW s 114110h are net lftw 1) frownifto ad b dflo?MlapAbn?e 2)aom tla dam the UMMOO eIs WMO"W*YOW Mooted or 6)a0m the MM daMi4ergay d 6a dYnarli M" Period. Aadaoaty. P y o4M ed py the NW 6aisroe- aorta pnvbus epap ptaad w M lananiae atan0aa oww" b coma b yourupoM aisrm0s wagowww', is laid In M This mane cat you may sin aw'Mace dopes.. even N you pay to aMnn Pnuaslaw Mwtoaed on the 'rest of year aMemlel irdhig Pay 0 tla doW but lid not eo eo torMa pine" Walk LMgad Marra antes aaadded10 sepOWafyarAoo". e. alaaAap Flnaea Foram bwvp period that your SWAM Is suyiYd b a Maros charge, a aamwn toed FlNANCE CsiA1t0E d 80.50 win es argi0aad. tl. Terpomy fladucisen M FMMhee Charge. We resarve ne dwfo ndamm any Orel Moo otarpn for any gNwtMMp I s -. 2. Awnpe may Bob- (areas ft New Prdraaaa). Faaae dwp• a o"ditd by rtUN" tlw dm y . . , 4900h aapnlostaf yw 0aoua (a.c., wen sdvaaP;'Iµpaaea, sopftI and ilpeola pumlag s) by the dda00andag mpy Panadc mo) Ma hn bean prwbiMyaisueeadlpYau.. At ter aNdwch 4ry chap the aMa$ perod, as splaytr day i Il ilia for each pprrrM d yorsixiou t b me daily baarma d eech "Mile . Thar er tla end d1la bainp pariad, war atltl up the smog; of taaapMy olPwrwes to a** at your peubdaMOa eaar?.eatr bash bripndM His atltl up the nsum arm am sonmsM to d h at to MM periodic terra oserge tares daoerr1.70!'p}! me,ga6y aisr. for sera saprrwM or your wmm we rage to b""Phil baada tr ach aapnrmaM and ado say ow tanaaorw and any puladld Mara aria soft~ an is previous Qyr# allaerMlac6eMagpn?M: gW aaaaaYrad any pa)wMdi*rM MFwladaarpMday8Mereasocoed b tlal upmeM This gisaa a are sepwift wily bona for each seined of your cement a lowsew N you paid to Mew::Mall eaaw 1 a yourpmiomw eWrara In fun (or n vdr nelkYrlMrlwaas sYrq d • sigw MOW* It" Wages"", ~ post I* peter Pladaee or speoal puralmasg eaptgadMSe6 polyaMarb tlhe OaeY belaraw. We caaldagaa watagr 4oy bdantoe by sill" ail to sly aaMhew bgseMf as dlsaMip the sen by Ire raarber d is "a in age dram berg eyrie. To alddaM your b121 Miggin dMge. ably yaw"Weae dew beraua by the day Middle fibs and by ter ranraer of gave In Via billing period. Due to toermwp on a daily bale or din to minkrum Manes dope asaase!rhe I, rare may be a vanana behave fie alerhatlon as the rrunt of Mare charge adudy eseppd. Changing Address? 3. An fis al Poeoaape ROm (APR). a. The Men -Annual Penergage ROW may OPPaar a "APR- on ter ftw d"SWAMa b. it me Coda P (QwMAy PMa). L (0m" LIBOR). C (Ouaniarly CD), or S 0-k-0 Pram) appears on ire hoer daaaMMgMd nerd Ire ft 91110 M"l meF -1. ,, race and oonespor ding ANNUAL PERMWTA QE RATES My Vary 400" as may amI or daonaa baaad on to ataad Yglces, M Mr4 M The vw swells Jaurthel, pale to Magian aaba dadn"10 you. Thew onanpapedr lowaft on Ma1Mga4y all ydn my period oararad by yon Podolia glllanarrt ending in the nal d Janney,, Apd. A* wed 041*W. e. gto coda 0@AM * Pianel F PAM* USOIg), orG (Trggaey LIBOR) appears a pre trash dyer asar w alit b the penledio rea(ct), ale perbde ales as oaapeaap ANNUAL PERICKWADE RATES may vary radhly and n*i mnese or daetew bead an tae sam . I asmall bThe M $NoJapnKpartae margin povio" dbdoaetl to you. Theo tloEea win be sftdWaw Mre'Mdg d yoersdlbg Pn4d scan tonal. 4. ASMMWMM Of t.M, OO M ON IHbNaa . Payment FiNa UndarlIn Mira dyor WJWMtereptmm M Mavelo ddMybvtaMr Meth Iaaaesay tees wMbd prior uxlYlla6a b you vaaod.allpwtmg her ripld b apes the aama orpmatM at a W *M. 5. abOeana4 Fag add Ill 111 VOW Against. If a meedherdmp Me appease on tala *Uftm$ , we ws Ma the 1p8you MgastMdoeyea'asrheg I~30 drys of On Marc of tNS sl Pgavm., YOU may canoe to use M aoaoM sang No 30 dy prrad basic your Request. If you do not pay #A dMlpa.oMdan lac a s ouM wMh In eo dye. or N you use your== ant or seen lMgr you replica to close. any nonboMq %a pavlough, waived may be reamaaMO to your mow r&. B. Cbeft or nal Your Aeaoual You tray requea t atya r O h t*omw by am" or wtarp our CuabnwrA"IM Depsibror. At it* Moe dyour request. war win prows you w" agaM I da ft a Masi yoo aagat Tae my IemaaN P" -- I kftnwmL nyou ues yaw =0 ant or atwpes cwt b youraoaM liar you iak us to Mae year arfoNM, we err cap your saoaM open or reopen U We mydoadraagpdrr0 your accord and your do to abho dNA We may ga Shia at any Mna and for any ram gain If you OR nod a dpaa. A suspension of your ;-_Y ow be pernriiiiMd rlMpoery. it your -Mls rifted or suspended, jots moo shop amp yon wook ant ea aoaud. You new also orals all pnatlantsd aging anop now b age glowunt We all nd do 8hs err you. N we wn or pamam" momo yoLWWM 11L YOU mug MW Macao a andR , as account 0aeo aeon. You nod as pay a attars you ago a on tug aacourd, gaeo n theyware ch gw ant your slow" Is Clcaeo or 7.1 1- Paylarda Pay words yon ma do a will be endued 10 Your 1006M as d the bOMM day asw u I N, provided (1) YOU era her balsam Par . d the slmmimi andyourwaaainfaeaa--- II apao va%"aed R) your P" am Is nor, - -in ourprgbsesbg isaw by 2pin eT 02 row PT} PheofaM 0isM Ow M OnWesado" for posbl datvery. Pay air reoaNdb by a at ay other baton or May ocher form may ad be onadNed as or the dry M raodw rum. Or biswhees drys an Monday avouch Address ................................... _...................................................... Home Phone ........................................................................................... Alternate Phone ...... __ ................................................................................. E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink. S. Na1ise AOeM EleaYOnlo C#eaa When you ago • gtmgek r PWI * you aWarixe us ~louNhderllada taanyour o "ok M.rrhege a oa4lme owcuo funs tlKaraaTyair de als" Palmer orb preoen the PaYnlard es • a0adr WMn N rap MbrwWMn hen yerdlewb an eMwade fur0 ftMW, Nnb nay be vgWAo n yen4ePdw sooouni a soon es Ma saris sty aNb y0er paynrrM, and yin wMnelneoMyear soMu"Pat N* pair lasgassi Na16Htorm. Ydraudherlswen 11 rod *ON ay Me dift on 1114 Coma Yee may f*Mm&dt sed aotad O n ed 0. Nillqupiq. it you an mow to biagrup y proMdlam for purposes. it is not an aalmPtb . assures or Mawr a debt or dam Do nal aeN Day dodyb us wMmesi apeatdnp Mir yder. ap011hey a the B@nMupw conc. NV wiltb stood yaw aIII1 rvorboarvplgr .PIeYe hoveyour MawAy eosta I a. tBILLING RIGHTS SUMMARY (In Cap d EI a Or Oawea abort ywr BN0 N You thng your all is wrerg, or a you peed ran adeoMbn on poomm at the Odom err eigltMaa avw"dmis etMatmast. We Prices haNNOatyouo Mab40 days afMr cisgwyoushe Moesleo1wim she d, ,, sopeaad You can at our cuaWroal ,I. , ano*a by en MOrwaba.badoagwwNnd yaw rights. in yaw Mar. ova a she ae6eua0 : yaw wing as 11000M Mllldlr, tie dmwranarw d eapaees error, a aawpaw Oinw" 'wdaa. Nay "00, of Why You blow tan Is an awe; ort you non hft n, ¦ dnOMPOR of twiaam YOU MfdaMa. You add ova to pay any arnaad In queetlon wars we hwsrq oov it but you are OMObNolm b pyto Pero yoa'6181haarendin quanta. Wine we' IgbY yon win wind repod yin r daMyueM orMo sty 0aa quw#m. oaaefi me amount you t Special Rule for Craft Card. ftww* N you lave s pheblsrn ww.gw wxw pmpvv a ewvkw thin YOU purehlad rMm 0 re8g0& you" aged In good to to ON red rte plb01Pn w6ii is = you mry lave One 00 net b pry Me remaahg /nlpua en M prop l or services. YOU awahspnlraYBn the Perota0a Prk• was rare tan $60.00 do #Pft In yaw horrhe orals rwahM 100'aMes'' ysr ' ? . (if win own or aPetet Pita n0 aash4 sea win - you the edwnbesnaM# tme pnPeryldr a Purchases an covarad rpbMggs d amount r . d purclmap.) Please I'elNeflarb son sir --toa es. '.. t Does net tppy b business s=univ CNPta one supports InWrmwa Priddy proMmma: no our wabMed' C"W Oa is a agarally sspaMed g1n Mara of Capsel one Fawrdai COnpoM rL AN a" resenYd 02008 Capal One Not quite ready to make poyrnlents online: No problem. Follow these simple steps,to make sure we process your payments smoothly: • Don't staple or paper dip your check to the payment slip. • Ile sure to use the payment envelope that came with your 0 statement. Using a different envelope coyid delay process • Please don't include any additional correspondence. 0 • Last but not least, be sure to mite your 116-digit account number on your check. 3.40% APY* on balances of $10,000 or more Dear JAMES D HARLIN, What you're saving for is just a click away The Capital One Online Savings account delivers smart growth in a click. And stay safe with top online security standards and FDIC insurance. Open online at www.capitalonedirect.com f? Please use Offer Code D17S23PDF 200611 No matter what your savings goals are, Capital One's Online Savings Account can get you there faster. Earn one of the best savings rates among the nation's top banks . 3.40% Annual Percentage Yield (APY) on balances of $10,000 or more • 2.40% APY* on balances under $10,000 You-and your money-are protected • FDIC deposit insurance increased to $250,000 through December 31, 2009 • Top online security standards Convenient features, great service • Easy online transfers* • No fees to slow you down • Your Direct Banking Expert is just a call away Your Capital One Online Savings Account gives you a faster, smarter way to save. Getting started is just a click away! *,',** Please see back of letter for important disclosures. 3.40% APY* Money Market National Average 0.94% APY" Online Savings Account APY based on balances of $10,000 or more. - Source: Inf0r na Research Services, Inc. Open online at www.capitalonedirect.com Please use Offer Code D17S23PDF 4 200611 Bank online .., and get one of the best savings rates among the nation's top banks Direct Banking CRW Direct Banking ?sring better banking in a Open online at www.capkalonWired.com Please use Offer Code D17S23PDF The Capital Ones Online Savings Account Higher interest means faster growth. This rate towers above An exceptional interest rate many other money market rates ... it's one of the highest yields available in a savings account. It means 132 "two steps forward and one step backward." No fees There are simply no fees to erase any of the interest you're eaming with our superior rate. Your money is safe. Safe and secure. Your account is insured FDIC insurance by the FDIC to at least $250,000 per depositor per institution' , , This increase is currently approved until December 31, 2009. If you want, you can watch your account online day and night, Free online access from anywhere with Internet access. And while you're online,',. you can transfer money to and from your other existing bank accounts, up to 6 times a month. Just because this account is online, it doesn't mean it's less Direct Banking Experts human. Our Direct Banking Experts will be there to answer your questions online, or they're just a phone call away. Capital One Direct Be k ng- a faster, smarter way to save caw DDired? Banking $Open online at www.capitalonedirect.com Please use Offer Code D17S23PDF " As of 12/02/08, if the daily balance of this money market account was $10,000 or more, the APY was 3.4096; if less than $10,000, the APY was 2.40%. Minimum initial deposit amount is E1.Terms and conditions of this offer may change at any time. Rates are variable and may change at any time. withdrawals by online transfer are limited to six per calendar month. •' Data as of 12/02/08, Informa Research Services, Inc., calabasas, CA, www.informars.com. Although the information has been obtained from various institutions, the accuracy cannot be guaranteed. This product is offered by Capital One Bank (USA), N.A., and Capital One, N.A., members FDIC. 0 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. GROWING WORTHY BANKING. With one of the best savings rates among the top national banks, you can trust that your money will work for you. Visit www CapitakmwirecLCOM Please use Offer cede DMWRM Direct Banking *Please see reverse for important disclosures. Minimum Pwprm tt Due Dab J $397.00 J `Feb. 27, 2009 1% RM MY AT IEAtr THIS AMOIMT FINANCE Previous Balance pwnw b 3 Crinfts CHARGE Traniintions New Brbnce $18,763.90 J-? $602.00 J + $206.64 J*` $690.95 J=` $19,059.41 Jan. 03, 2009 - Feb. 02, 2009 Page 1 of 1 1 A --caw Platitwm Account 97 4014554.1171 Your Account information TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $10,940.51 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $10,940.51 Pittance Charges (Plesse see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $18,861.64 0.03534% 12.90% 5206.64 Cash 90.00 0.03534% 12.90% $0.00 ANNUAL PERCMrAGE RATE appkW this period: 12.90% J At Yew Service • Go ro WW 01011113M.00M b MWW you s=un, or Cat 14100-9567070 to repot a lost or saohn card or Vwk to Customer Rabb= 0 Pay 01" M or real you pMnera to: Capital One Bads (USA), N.A. • P.O. Box 71083.Orsbtle, NC 28272.1083 Send inguldes to: OspiW Onr P.O. Box 30285 - Set Leke Cny, UT 84130-M 0 Have a question about a daW on your dafasent7 Please refer to the Billing Rights Summary on the back of your statement or visit twm.crsoitalore.c0(Ndisoules Due Date eb. 27, 200 J $19,059.49 $397.00 PLEASE PAY AT LEAST THISAMOUNT #9003408998707486# JAMES. D MARLIN 505 6REASON RD CARLISLE, PA 17015-9416 rlrhrhlh.lltrlN.llr.,nl,hll^111rIrhP111 11e211 rrrr 1 24 JAN PAYMENT $602.00- Tmsacdons 2 10 JAN ISSEI NOODLES LLC CARLISLE PA $25.29 3 19 JAN CARLISLE BEVERAGE CARLISLE PA $17.50 4 21 JAN BOBBY RAHAL HONDA MECHANICSBURG PA $238.71 5 29 JAN BASS PRO SHOPS HARRISBURG PA $375.99 6 31 JAN ISSEI NOODLES LLC CARLISLE PA $33.46 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MARE YOUR PAYMENT ONLINE. 1 5291492145547176 01 0000000602000397603 Account Number. 52914921.4554-7176 New Balance Minimum Payment Amount Endosed 1? 1? 1 500272 ONLINE 46 SAVIN" ACCC o%. (A APY? on balances of $10,000 or more* Lend a hand. Save the I land Manage yow account on1liko today-- iYs fast, easy and secure. ® Pay online anytime-no more checks, stamps on clutter. ® Moving? change your address online or on the .back. I& Help save the planet-Go paperless. ® Sign up at www.capitalone.com. Capital One Bank (USA), N.A- P•O. Box 71063 Charlotte, NC 26272-1093 III IIIIrIll. it111r1PIIIPNrrIll11 rrlhlr0lrrlrr flrllrlrhd Please make decks payable to capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. High Yield Online Savings Money Market AaentM Direct Banking 71 Rewards Business Morley Merkel Money Market... M CDs Open your Online Savings Account at www.capitalonedirect.com Please use Offer Code DJ72WRTDF Capital One• Direct Banking-banking that delivers. *As of 1212414 R the daily bdaince of this money market atlawfnt Was $10,001) or more, the APY was 3.0096; 0 less than $10,000, the APY was 1.50%. Minimum initial deposit amolmt is $1. Terms and condition of this offer may change at any time. Rates are variable and may change at any time. withdrawals by online transfer are limited to six per calendar month. This product is off n by Capital One Bank (USA), NA., and Capital One, NA., members FDIC. 0 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. 1. How to Arcola a Farass Chops. s.Onne Period. You vet how a minimum grace psrbd of 25 does wNhaut hold chaps on nom pwchdow new balance UW*fsn. MAW SPaWal puohaaes Mid frees dha changes K you Pay your tolls! -Now Balance". In mcoadarmwith Malrrpatm Notice or psymeres baow, arm m Mrs forN b bsaedtsd by your payment due data. There Y M Wow prod on Cash advanome w. speWal h'M-Nrs. In SO MM. tr*m Y M PWO Patlw an My Uaraaxon N you do not pry the total "New, saw" b. AerMg FThonos Chorea. Tivematerw which an not subject to a grace periad we "Pried f1nvxw charge 1) from the date ofM #WWMD#M or 2) from the ties the temmosen is IoI , 'o your Account or 3) from the W cWf.er coy ate ornra W" Peed. AddM"Ily, 11 you wad act pely the -Now SaW ne" from 1110 Phamlous temp QwkA In bhk finance M"n conflrw to acorn to your reere. D@WAM until the unpaid balance is paid In Nt. This Waal mm YOU may ho owe "Mow delta, even If you pay arm ehrma Now BaMhG lrreWNW on the fror of your etatenwt by the payment due date, but did not do so for do previous (na ate. Unpaid draws created, Ma added a gleflppgoaala eagdWr a your Aooeurd. e. aeaafam passim ( Says. For each MJNrq p clod that your eoeoum it vAIM o a MOOS charge, • mwm total FMAWE CHARGE of W SO Ws be mpWW. d. Tomprwy ll -1 - hi o F"n" Chrpa. We rD"NO the right b. not emu" any or 0 Meng ch"M for arhy g bran be" peed. 2. AYSnge 044 Meadows "On Now PMwaew). Finance Chop Is ONWANM by ML*WAg g10day balawe or Soo h $W MIM rayour SDOOW IO.D., swh adwnae, franchisee, spsoM MraM. had epeoI purchase) W the wirwponaepdaly periodic rW(s) are has been gW+iouwy, disalww to you. Ara No and of ach day during the Malng peaod we appy, ow doily periodic mid or each segment of your aoco it 10 film deify laddience, clown sapnont. Then a the and of to b" prod, we add up the MUM Of ease ally aopdaoes to slim at your periodic Meta Whal0 or wah sapntwt. We does up the mulls tram em s I loo strive althe bola period c fora d*Mo oryear Account. To gal On dey balance for each ""roam of yoursMeMd. wa take go beginning balance for Bah "Voted aid am My haw aaoadbM and any paoMe Mesta chag, ometftw on the previous dey's bommer for Mat nationals . you stn subtract wry psymal overseas poWd a of tied day that wo allocated to that sagmerd. This gives us the separate deity balance for own "Vi m of yew account. Howver, k you Paid the New BMW" ahawn an yew overtime still~ In full (or N your now balance stew zone or al dam amour), new tnMadoM, whloh post to your Vaccine or Special purdlaseeagiMMs sm red of d to the day osanoes. We 00W to NrapeSby boom by od*v on 1110 daily balance NV Mr had NeiMng the sum by the number of the days in tin oumMil burns recta. To coal" your Mal thence charge, meMpy yaw average day balance by the daypMfdic We and by 1st number days In the bang period, Due to handing an a deify basis or des to mnknum fmsMa dirge sesesi meth. there may be a VOMM between this calculation had the amount d finance charge adusty -anew. Changing Address? Address ................ 3. Anhwal PWWW" Races (APR). a Tha irm-AMwsl Peroshwapa RW rosy appall a "APR° on the from of this stasesMN ON, b. N the cods P (Oumm rly Prime). L (GahMy LIBOR), C Mushmwy CO), or S Menufmard ") appeals on the from presapaMnwm rat o tM perloab at*), fft pededie ralw and oorraapeadng ANNUAL PERCENTAGE RATES may very cluaMay errrd my h-saw or ds, based on an seems Wl as found in The Wei Save journal. plus the ""In previously ftdOOW to you. The" changes will be elRol ve n the Met dy of your WMbg pwod covered by your periodic &WWM A warp in the =rare of January. Ape, July was October. c. N the code O (Mommy Prime), F QNOrimy LISOR)• or G (Treasury LIBOR) appears on No from of your statement heart to iM weft nea(t), the panoMa on and ownaWdit ANNUAL PERCENTAGE RATES may vary i onmy and my knond se Or electrodes, based on ft* stead ..lass. a found in The Wait Shield Joined, pace the margin previously disWOeed to you. The" rdMpsa use be arm*" on On W day or vote btrg period own month. 4. A"OoW Ma of Lab, Owrane and Rahisrnd PaymeM Fen. Undert o mmo or yourcutomor apnenea, we mwvo vw om o wales or not a wawa bey bas WNI prior t amaste n to you WOW weer" our Ised to *Sam the sans or am w taw at a tour tea. 5. MeedierOo Fee acid RMrMaA - Your AooouM. It e handles" fit appare on 1Ms sWMram, rue will wawa the fee i you request to aloe, your account wIft Jo days or as meeting or Ma armenwnt. You they ooamn to W go account durng the 30 day prod boon your uasuset. N you do not pay a charges owed brtths, account with in 90 days, or N you use year bread urn or axon OW you mouse to cbsa• any member" to prshwey weved may be m stow to your Nomura. 8. Cong or Suopmdlg Your Account. You may request that yaw amount be dosed by CWWV or WfRnp our Customer Relations Oaytrtam. At Me tae of your repast, we wadi provide you wet @OOM" details an aldwg your soodunt This may W "em, pay art .Ifmhtrllpan. g you use yourwatlN an ordwge. poste yourawaust ";;Z as es to dose your me", we can lamp your account open or reopen a. We may dose or snepow yaw mount and your I" to obtain credit. We May do Oft fit my Whe and for any raw., even it you an not In Oslydl. A ew"m on or your aooon can be prnaMm or lepalay. It your account Is Claw a $Mpar I You must dap UBft yOW.edit cam oho Nm uM. Youmust else ante a plardih IM aM V anahipaman a to the account. We will notdo idea rte you. It we dose or penitentially suspered yaw sborAa• you mud also NOW as =0 Cade and account axon ahacb. You most am pay as amounts ya owe us on Meaccount . evenk they were charged RW your *Ocou" Is cleared or suspended. 7. Malbg Psymmile, Payments you mail to us will be credited to youreboour w dad WAINma dy WO near It Mavow (1) yousehatit bworn polo of iho,Mandril arm yon o ww m are a vosw m n"iom erWMape and (2) your Payment is ri caNed In ourwoom"border by 3pm ET (12 noon PT). Please show at ideal gw (5) tanalMss days for postal dalNary. Payments race Med by a of any oger location or In any other form may rhot be Oreaw a Of the dy we receive them. Our business tleys ae Monday through Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink. 8. Notice Asset EM MWW C WMnyou provide a diaWb ONAWN 10 we lifti MINIM in as won as the earn day, we mosm teal not moalve yew , , hate* thus InslMdion. YoraauthaMOM Is hd check. We may a sun" Ana slsotn PWOMM. a. SaAWploy. If you an wdmw to is your exam this comnu amatlwr a purposes. It is not an atlrr , to eau dew or aMm Do not mend any peer wnout apsel ft wah your bw*" Brrlmpoy Con. If you want to m ,occur w your benknaAcY precast anomay, comas us, tBILUNG RIGHTS SUNSAARY Qn Case ar£roe or OaNMn about' If you mnk yew bill is wrong, or If you a transaction or bet, write to us an a at Possible at to examine for indiumes, at invariant. We must tow from you no we sox you the host bill on whoa Me t You can ca our Customer Radiorn r small or wobssa, bid doing ab will net your IOW emus t oldrAV N M account number ma dollar sm0uAI d' description of Me tror and an explana you Whom, into Is on srror, or N you i oascdgon of the kistryou ale Imes, hay any wham in pawn wirse we I you an stdi obligated to pay the Paris, question. While we Investigate your ch you a delinquent or to" any sown k question, t Special Rule for Credit Card Pumho It you haw a problem with the guhy that you purchased win a ores card, Ivan to corned the problem with the m right not to pay the nmelnkg smated services. You have fhb Pfulsom ohoh was more fan Sm.00 and the waft tore arse or within 1OD Riles of yew own or operW the me rWrwd, or N tea aaveMSm,M or the property or swvl coverrf regardless of amount or leave herMmbero sign all correspondence. t Does net apply to business account Capital One supports Wformaow pre" w,bsa at g .anobkm cam Cookie On Is a federally Mohamed a Financial Corporation. At right ran -Mw fk b bake a ono4trro an account or to otion. Whan we use 1 amcv wes maw your deposit account war wMMnt, ow you oufllilaMlal OW by Me data on the teary Coffee returned Mptoy pmmctlom for my Poe Nillemo Rbnw seem or noGM a M direWy o us attorney or the a a about your i. plow have your Boo moles Information on as etreal a sows a Done from Of this man Ell days shah slMol I error. t be, N possible, of why No mom mtMrMllon. ¦ igod. YOU de not have to a NWOV deg k. but f yaw big MO am not In when, wo comet report booed the amount you popny or eam= d you eve tea In good :heed, you may haw the e on tha properly or don the purchase price wets rMtle in your wog address. (N we dies you the a, as purchase an n of purchase.) Pleas pnooxon: Bee our ro nark of Capital OM 02ODS Capital On Not quite ready to make pay" nts online? No problem. Follow these simple step. to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processi • Please don't include any additional corre#pondence. 0 • Last but not least, be sure to write your 16-digit account number on your check. JAMES D HARLIN 200552 505 GREASON RD pate 12767 CARLISLE, PA 17015-9416 Use by April 3o, ¢009 66-720/9561 411059-01 oodetrof JAMES D HARLIN VOID P wrhase Chedr For inquiries calf 1.800.955-7070 Richmond, VA Memo 012767R¦ 1:2560727011:7502145511.0060 Dollars ;lust write a Capital One® Dear JAMES D HARLIN, You have things to do. And now you have an easy, convenient financ at toot to help Purchase Check. you get them done-Capital One Purchase Checks. Better yet, they gve you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fde! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with conlidance. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $o Fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit cam and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself to a night out Consolidate your bills Get cash for things you want and need JAMES 0 HARUN 5o5 GREASON RD CARLISLE, PA 17015.9416 Pay to the order of Jirrchsse Check For inquiries call 1-800-953-7070 Richmond, VA Memo You've got things to do...get them done with these Purchase Checks! Thank you for your time, P. Taylor Jamison Director of Accounts P.S. You can use Purchase Checks just about anywhere! Please remember to use them by April 30, 2009. Want to transfer a balance now? Call 14MO-955-707 or go online to hts://b+o+rbtrianclss.aariii6llbaortvlbers. Please see the reverse for important information about using these ehecks. 41059 Date Use by April 30, 2009 11.1276811' 1:2560727011:750214554717611' 200552 12768 68.7270/256o 41059-01 Dollars T M 0 i 9 M 9 c m O D O O O O T O M P 0 0 Got questions? We've got answers Q: Is there a transaction fee for using the enclosed checks? A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Capital One account. Q: What APR will apply when I use these checks? A: You will receive the same APR you currently enjoy on purchases made with your credit card. It's really pretty straightforward. Q. What is the difference between my "credit line" and my "available credit"? A. The credit line is the maximum amount Capital One will a D O m= ?o < m? o? T m D N m ? Z L D 9 Z O 9 1 Z O N = -i MW r O $E C_ C? M r *m allow you to borrow on this account. Your available credit is your credit line minus your balance, if lany. Q: What can I use these checks for? A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out pr just want to have cash on hand. Another way to u e your checks is to consolidate debt from other credit) cards and loans (except Capital One accounts). Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. You can even use them at pla es that don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rote, has changed since we mailed the offer, All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when u use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) May not quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed o may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. C 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. c X0 m E CIO 0 M m? of ? m 9 m T 0 sv r N Z O of = m _i f O Z C Z N 0 M r • _ M TRUST. HT RESULTS. ONLINE 16 SAVINGS ACCC WV= BA dG. mat, 'Mah"OL The Capital One" Online Savings Account offers worthy returns-among the best in the nation for savings accounts. Your money starts to grow when you open your account. And, you can trust everything is safe with top online security standards and FDIC insurance. Dear JAMES D HARLIN, 200627 on balances of $10,000 or more When it comes to your finances, confidence can be worth a lot to you. Open a Capital One Online Savings Account and be confident you're getting one of the best savings rates among the top national banks. You'll be surprised how fast your savings grows right along with your trust. And since it's online, you can open it on your time. Plus, the Capital One Online Savings Account is convenient, always accessible and protected by online security standards. You'll enjoy: * 3.00% APY on balances of $10,000 or more* * Easy online transfers, No fees * FDIC deposit insurance increased to $250,000 through December 31, 2009 If you need help, our Direct Banking Experts are just a phone call away. We're here for you. Capital One Direct Banking. Trust. Worthy. Banking. Sincerely, Matthew T. Jordan General Manager, Direct Banking *,*,**Please see back of letter for important disclosures. To get banking that delivers, open an account at www.capitalonedirect.com Please use Offer Code DJK436DDF 0NL1: N&A E SAV"GS One of the best savings rates in the nation money Market National Avg. 0.87% APY** Online Savings Account APr based on balances of $10,00q or more. **Source: lnfwm Research Services, Inc 200627 HiO Yield rOOAs Rewards Bwkms `~gr? Direct Banking ateay akaf.Many lament me" ssxkw I CDs Capitai One 3.00% APY on balances of $10,000 or more* Direct Banking THE CAPITAL ONE' ONLINE SAVINGS ACCOUNT A savings rate among Higher interest means faster growth. This rate towers above many other money market rates-it's one of the the highest nationwide highest rates available in a savings account. It means no "two steps forward and one step backward." No fees There are simply no fees to erase any of the interest you're earning with our superior rate. Your money is safe. Safe and secure. Your account is FDIC insurance insured by the FDIC to at least $250,000 per depositor, per institution. This increase is currently approved until December 31, 2009. If you want, you can watch your account online day and Free online access night, from anywhere with Internet access. And while to your money you're online, you can transfer money to and from your other existing bank accounts, up to six times a month. Just because this account is online, it doesn't mean it's less Direct Banking Experts human. Our Direct Banking Experts will be there to answer your questions online, or they're just a phone call away. To get banking that delivers, visit Capital One Direct Banking at www.capitaloredirect.com 'As of 1 V24M if tine daily balm of this money market aorourrt was S 10,000 or more, the APY was 3.00 %;'d less than S10,W, the APY was 1.50%. Minimum initial deposit amount is S l. Terms and conditions of this offer may change at any time. Rates are variable and may'. change at any time. Vithdrawals by online transfer are limited to six per calendar month. "Data as of 12/23/08, Mforma Research Services, Inc, Calabasas, CA, www.lydormarsmm. Although the information has been obtained from various institutions, the accuracy cannot be guaranteed. This product is offered by Capital One Bank (USA), NA., and Capital One, N.A., members FDIC. 0 2009 Capital One. Capital One is a federally registered service mark All rights reserved. 500258 0 0 0 0 Slorsed too tW? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One* balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call s-8 "55-7070• FINANCE Previous Balance Pftwtw to 6 Credits CHARGE Transactions New Balance Minimum Papnsrtt Due Dde ? 1 r 1? 1? 1? 1? 1/ 1 $19,059.49 - $497.00 + $188.18 + $175.41 $18,926.08 $377.00 Mar. 27, 2009 L J? J? J L J? J? J? J Feb. 03, 2609 - Mar. 02, 2009 Page 1 of 1 / MaMriatd platinum Account 5sa141404417e Your Account Information MASE Mr AT LEM 1115 WOW TOTAL CREDIT LINE $30,000.00 2 04 FEB TOTAL AVAILABLE CREDIT $11,073.92 3 19 FEB CREDIT LINE FOR CASH $15,000.00 4 23 FEB AVAILABLE CREDIT FOR CASH $11,073.92 / inane Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $19,017.31 0.03534% 12.90% $188.18 Cash $0.00 0.03534% 12.90% $0.00 ?ANNWLL PERCBIrAGE RATE appAW M perlod: 12A0% J jd& At Yow Sella -Gob b momp ymr w=a4 or QR 1.8049557070 to report a bet or dDW card or peck to 0mbmer RaMtorms pay 0R&la at MKANIMn= Or RAN Y= Pennant 10: Lip W Can Be nk (USA), N.A. -P.O. Box 71083 - ChsMle, NC 215272-1083 Bead hKiluld" to: Ow W Onw P.O. Box 3D285 • Sat Lake City, Ur 8413MM Have a question about a charge on you artrt7 Please refer to the Biting Rights Summary on the beds of your statement or visit w w.caoilakine.co /disoutes PADDOCK WINE & SPIRITS WOODBINE MD PADDOCK WINE & SPIRITS WOODBINE MD KRUGERS RENTAL SERVICE CARLISLE PA PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 01 00000004970003770105 Account Number: 5291-49214854-7176 Due Date New Balance Minimum Payment Amount Enclosed Mar. 27, 2009 J $18,926.08 , $377.00 L ? J? J? J PLEASE PAY AT LEAST THIS AMOUNT #9006208998707487f1 JANES D HARLIN 505 6REASON RD CARLISLE, PA 17035-4436 LnlrI I IIIIIIIIIP-pI,I„lu.-III'. III--I-IPId?IhIIIPI- tend a hand. Save the Sand. Nlatweilla your accouli online Y_ it's fast, easy and secure. IS Pay online anytime-no more checks, stamps or, clutter. O Moving? Change your address online or on the back. s Help save the planet-Go paperiess. O sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 730&3 Charlotte, -NC 26272-1063 1111 Hill $36.03 $103.35 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. i. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-800-955-7o7o and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! om 01 1. Haw to *AM a Findings CMM9. a. Gran Period. You era have a tawMmrn peas Period of 25 "a YNmota Mesta charge an new gacnarNS, earn balwMd We .l law $PON Purchased am raw dharofrarpas a you Pay )qurWlai Tadw BaMnce'. In mordwm wM the p- Mofift for Payments below. and in am faro b, Msre0 by your Payment due date. These is no gala PMOd on Cash ONVINIM and speciall tnral 1 .10 tradiNbn1 there Is no proms Period M any transaction N you do not pay the total Taw 0 - , .- b. AMW4 FMtMbe Chug. Tmmolom which as not subjad to a gores period M Assess drum charge 1) from the done add twobdiM a 2) from the aeon the IMnMCAOn Is Wooond 10 your Account or a) from to IM aWwMr day of the ouont billing period. Aarbaly. H you did not pay f'New Balance" from to prrlous bMeg period b add, Wwm a' g eoaWUe loacenre to your unpaid balance urge the unpaid arse is pads in full. This made me you may ON o" Mer" charges, won N you pay to Made Now BaMOe Indicated M der fold of year aMlMOt by ere Payment due dale, but did rotdosofampPWAb man.llpad IhW charges weaddsd lo.Nr mppgoable mpant a yourAocourr. o. Magnum Findings, Charge. For each marry Period this your Acoun Is sab)sd Is a finance charge, a narWUrn iota FINANCE CHARGE d$0.50 will. be' III . d. Tonlp$My R II, I M f Mna ChwMa. Nye sane Me dpd to riot rase sny l cad nnin chirgu foray pm Wft period. 2. AvetaM Daily, l0 i1 arn0e onokallag New Pumhw ). Fkteael old - Is aabuadadd by matrplyrq pal daily balance d each segment of your account (*.Z. cash advance. p ach-, special Gofer, and spacial pural-) by the corresponding ally Periodic rep) Mal Im been prevla18ly disclosed to you. Attar and or each day during m burg period, we ppy Me dally 1, , " faad for each 9M as of your discount iota daily aMae down saponl Mm at Me and of ere b" Period, we add up to rsadad of tiara ally cwaMNba to artwe al your Periodic Mona bi - n for own sepanl. We add p the results foul ash "Wages to woe al to bur periodic frnanc! dwp foryaur a01o M. To Cat lie dal" alarm for eawh sop mg o(yoer ocooM, cow tale ton,geanllg ,Hogs for Gem sgnsm and add any few transactions and Any Periodic Mance dtuge calculated! M the Previous erg's bNI fortiW segmld. We low sand wry MMWAS Or credits PWad e of that day foal cos aibmpe to that segment TINS pees Mere separate May, balance for each eepald of ytw SNOW. HW"W,, N YOU PAM the New aiwade stern on your parlous sMlwiwrg 1111141 (or N your teak balance Yes zwb or a cmedN amount), now transactions, which pon to your purchase or special PtrMw awarns as net added to to day balanced. We oabulMe the avaMpe daily balance by addeg as ad day balances t OPM reed dMft the sm by won numar d m days In ton amore beeg yon. To oeb14W your total nnawaoft mumwyowwomp dally balance by the daily peebillw RISMd by On number of days in Me billing Period. Dar to nnndfrg M a dally bait or der to minimum Mince dMrgs awMem, then may a a verence behiman ms cwoMatbn and the wnourg of fiance charge actually assessed. Changing Address? 3. AN" PGPMftW Rate {APR). a To tar'AnnrW Poinge a Rib" may appear r "APR" on in* from of Nee seawrwd. b. H the code P Piney PWMe L (ouaday LIBOR), C (OuwWy CD), or S MWtkoW Prams) appsa M ate from d M18 sla1arM rod lolie l; -1, nMgN@ , ms periodic rate and owmoporANV ANNUAL PERCENTAGE RATES may very quay" and nay' ardiscaddes basad M to MM Indlas, as So" in The Will Most Journal, Plus the margin prwNawly dbo)NW to you. Thee Mange WIN be etblas co the fMN day of your billing Period OUVOW by Yddm PWWft dOWnW thong in fun MWMN of Jamey. Ape, July did OeMber. c. N the coda D W"" PMa)•, F gdanay UBCR), or G (Treasury U80R) appers on1M farNa your s)aumem Ind to Ote owbft ala(q,1he Oarb0lc MAs did COrrespbleing ANNUAL PERGNNTA= RATES my vary nomny, and may amend, ardiieaaes based ark the elated. Indices. r sound In The WON DWAot JoMW, Ow ft a. Au@mmm of Late. Onr%* OW"Rahn - Painless Fees. Undwtho terra dy ur aerbnwregnMraarN: via reserveereNMtowaysarnwlo esaayteeswmout pnw r w4wm 10 you wow waNNq oar"10 Gees tn4 aim or owfAw son at a low lime. 5. aMabwehp Fee and Raiir. Your Amount. If a maMN" fad appears on Me slatened, aY will oar the fa N YOU MWW 10 01010 your WOMM wtlwn 30 dye of and MAN" Of Oft SWW" IL YOU MW C*AMM to bas the eoccurs arrng 00 30 ay Pala I i , you request. N you do not Pay ON charges owed on tub Asesara Winn in so do", or it you use your air send or awwaa aaryou me ILW to dine. any membership be previously waived May be rW*tsted to your aggiburs. a. CMWM or $L"Wodft Your A axe nt. You may request this your eooaae to deed by do" or wrong our Cuatorar RW dba Dapebvmt Mere (Imo or your request, nw VAN provide you arm aaargorW dsadM M a011ng your account This may ybade PayunsM IrgwnraaM. H you ua Your air card Orologas Pat 10 your amourg Of YOU Ask us to aims your Oocoad, we aw••" yourawdu it open or open It War may dos wenspwd your @occurs ski your no to rtmaln calla. We my 00 afar 0 erg Ens and far My lesson. won N you are not M d~. Asu suspension of your giw tcon,pv amig Madrpowy.P youragbom18 dale w wipadr, you aunt gap ueng your Merin ale end awwrd, You "W on aaneM Sit PWANWrLM billing sffw*wwae to in* 00OWK W1 YAN not do bell foryou. if coo 01010 or pwmwerY suspend yaw somua, you mast 4180 detroy es anon made and account assn dace. You mrl Still Py as -mum you ate M M the f caourg, evM H they were o4sgad dW your Newburg Is doted or suspeoM. 7. Alleging Psymam. PymaOM you mad to us rest be waded to your acooum r Mae buoU ay tW race" iL Provided (1) YOU seen the balllcirl Portion of OM awwrrMt andyouraedc in to amWbaaa wtramaa 4nvwo0e did (2) YourPNYMM Is aalrad M ewPWmft moron by 3Pm ET (12 neon PT). PkMas NNwr al anal1WO (5) bWnee days fw Pate delivent Payrrsm rInk by us is Ay offer Ioabwn or In any don fbr may not be =Mod r of the day m tecelve yam. Our business drys ea monday through Address ........................................................................................... Home Phone ........................................................................................... Alternate Phone ........................ .......................... _....................................... E-mail Address ........................................................................................... Please print address or phone number charges above rising blue or bulk ink. a. Ndlae Abel Elawnonb Cheek l When you pfovds a otisak w painifi you sumtorize us ll eMerto Ma larormaHCra ilbm your make a ons Nrne to elachorgw fund franalerlaan yen obama or to Moues did piyooa e a cWh k. . When we use hNalrlabi fr0m your Q I to anelabnauc fume madder, funds may be wWwkmn yourIeprH account ' a soon as O0 owe day we ydur Payment and you war not radelve, yaw duesk book your arMncral lrwmution. YawauMOrltex 18 nct y be dead on the deck. We may MUaet and iWly * ~ Murrtod 9. n may. H you m makes n=l Voldc llan for yaw acaourg. Mk wnernurNpN . kttOamDrMWbal ' g purpose. H 18 na an MiMgt to see or recover a deal or Claim. Do not send any aww to M dialogs sOsasmg wdin yaw ettomrnay w be BrMOUpoy Court. N ybu wmt to u abode you Account or your DMMnaPlcy proceed Plana dew your strongly oont" us. tOWNG RIGHTS SULVAARY On Case of Errors or ortestlarw aboutour Bal) It you thing your bNl18wroeg,aNyou more WOOMMOM on 4 transaction or big, Wits to M on thew r run As Possible at fun address for lrngYNleo a ch the had d Ous nadesmairg. We mart freer bum you no rthen 80 days star w?erg you ere lid bIN an wtsM ere or problem appeared. You an call our Cussomeir Reagan- mar a MANY a by ems or webOA but doWgsowN not your rvm. In YOur faller, pFI! M 11MMRod V : your erne and NOCarwp 0urrbM, dew aNaf arrawi d suepeotad arrw, a dosol"n d the emir And en NPosble, of" you aellsve Nlnane in an srtw; or you mere laorrtnaiton, 0 daRMplW ofihe omYOUas under boa. You do not eve to Pry any araar b QuOMm wee m hill it, but you are 00 ob%Mod to Pry, are polar your bid the era not in qundsn. Whin M WRWOUl your . we end report You As delinquent or take any Gaon to, quo$"= wlled the amount you t Special Rule fw Cmdk Card Pu H you dew a problem won the quality propMy w senbes ttW you PuromMSad assn a war 0101 ybu eve tried in good tNNhtoooneamepobWndishthe youniN'navethe right to to . pay to roWhg altn Ad M No popery or servbes. You have tmn only when ate purchase Vice wen mere ft" tw.ooand to was We in your h0ma slate or Man tipmanofyaw digs" $.of cos own or oparegas on managers, or if we YOU the aoMla rAft for the Property or sen as purchases as mtanatl regardless of amurg a or purchase.) Pere mwror0wto sign all oormspondsMe. ?,. t Des not a" to business accounts COPM One suppons Information prwalw Protection: see our -- wabsps at %*MMPNa1L1aguagID C4PRO One 18 a federally leghaered service men of Capital one FMSncel Corporation. All dgm MSWV " 02005 Capital One 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 0 statement. Using a different envelope -old delay proce- • Please don't include any additional correspondence. 0 • Last but not least, be sure to write your 116-digit account number on your check. JAMES D HARLIN 505 GREASON RD CARLISLE, PA 27015-9416 Date Use by May32, 2009 200552 12769 68.7270(2560 41059.01 Pay to ord r the V ordeoj JAMES D HARLIN -;r Purchase Check For inquiries call 1-800-955-7070 Richmond, VA Memo Signature us12769Re It:25607270 11:750 2 116551,7 176us Dollars just write a Capital One" Dear JAMES D HARLIN, Pumhase You have things to do. And now you have an easy, convenient financ ai tool to help you get them done-Capital One Purchase Checks. Better yet, they give you access to your existing Capital One account and come with the same rate * pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fie! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 fraud Liability, you won't pay a cent if your checksare used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself You've got things to do...get them done with these Purchase Checks9, to a night out Thank you for your time, Consolidate your bills P. Taylor Jamison Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please reme}nber to use them by May 31, 2009. Want to transfer a balance now? Call 1-800-955-7070 or go online to hops://baosfetbakrm?.cop?loae.amt/oJ?s Please see the reverse for important information about using these checks. 41059 200552 MMES 6 "RUN 505 GREASON RD Date 12770 _68-7170/2560 CARLISLE, PA 170159416 Use by May31, 2009 42059-01 Pay to the oj order V Dollars Puchase Check no" V- Richmond For inquiries call 1-800-955-7070 , VA Memo Sip ature iis12770R• 11:2560727Oii:75O2i45547176R¦ 0 M0 m= (A O S '? <g m D O y TO m 21 N T ? Z ! D 9 60 D D r w Z O N Z 1 m ? m co ?g 0 Z 'y MM M r tz M Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available encbsed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can 1 use these checks for? Capital One account. A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out for just Q: What APR will apply when 1 use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you currently checks is to consolidate debt from other credit cards enjoy on purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "avallable credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on. the back of your periodic statement for more information. 2) May' not quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Pleasei be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time: a check is processed. S) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. C 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. rn 0 D y s c m O v 0 rn 0 O rn i 0 D 0 C) 2100 mZ N m 0 mg O i Om M N T y Z E D ? Da r N 2 O y 2 -r o m rCp N mr i M TRUST. ?RESUONLINE ACCOT BANKING. . of The Capital One®Online Savings Account offers worthy returns-among the best in the nation for savings accounts. Your money starts to grow when you open your account. And, you can trust everything is safe with top online security standards and FDIC insurance. Dear JAMES D HARLIN, 200637 Aen i PWOUW Zub4- Yidd (APY) on balances of $10,000 or more* As you're evaluating your financial goals this year, its the perfect time to open a Capital One Online Savings Account and be confident you're getting one of the best savings rates among the top national banks. You'll be surprised how fast your savings grows right along with your trust. And since it's online, you can open it on your time. Plus, the Capital One Online Savings Account is convenient, always accessible and protected by online security standards. You'll enjoy: • 2.64% APY on balances of $10,000 or more* • Easy online transfers° • No fees • FDIC deposit insurance increased to $250,000 through December 31, 2009 If you need help, our Direct Banking Experts are just a phone call away. We're here for you. Capital One Direct Banking. Trust. Worthy. Banking. Sincerely, l'Gai/w? T? Matthew T. Jordan General Manager, Direct Banking *,*,**Please see back of letter for important disclosures. To get banking that delivers, open an account at www.capita#oned rect.com Please use Offer Code DKKGSQ7DF 0 NL One of the best savings rates in the! nation Please visit www.capitalo*irect.com for our latent rates. Capital One 2.640lo APY on balances of $10,000 or more* Money Market Natlanal? Avg. 0.75% 0.7S% APY** Online Savings Account APY based on balances of $10,000 or more. **Source: Infonna Reseajrch Services, inc. 200637 ar, 109h Yield oMine Savings Rewards 10 Business Direct Banking "1enij rarukot "'cO1M M"Wir rartorr aron.y atrMr a CDs Rates as of 02/011,109. Direct Banking BUILDING ?Q BAN,Kt11G. THE CAPITAL ONE* ONLINE SAVINGS ACCOUNT C A savings rate among Higher interest means faster growth. This rate towers the highest nationwide above many other money market rates-it's one of the highest rates available in a savings account. It means no "two steps forward and one step backward." No fees There are simply no fees to erase any of the interest you're earning with our superior rate. Your money is safe. Safe and secure. Your account is FDIC insurance insured by the FDIC to at least $250,000 per depositor, per institution. This increase is currently approved until December 31, 2009. If you want, you can watch your account online day and Free online access night, from anywhere with Internet access. And while to your money you're online, you can transfer money to and from your other existing bank accounts, up to six times a month. Just because this account is online, it doesn't mean it's less Direct Banking Experts human. Our Direct Banking Experts will be available to answer any questions; they're just a phone call away. To get banking that delivers, open an account at www.capitalonedirect.com 'As of 02103/09, if the daily balance of this money market amount was $10,W0 or more, the APY vas 2.64 %; if Im than $10,000, the APY was 1.50%. Minimum initial deposit amount is $1. Terms artd conditions of this offer may change at any time. Rates are variable and may change at any time. -Withdrawals by online transfer are limited to six per calendar month. -Data as of 02!03109, Informa Research Services, Inc, Calabasas, CA, www.informars.mm, based on balance of $10,000. Altirough the information has been obtained from various institutions, the accuracy cannot be guaranteed. This product is offered by Capita One Bank (USA), NA., and Capital One, NA., members FDIC. 0 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. GRO?MNG ¦ WORTHY. BANKING. With one of the best savings rates among the top national banks, you can trust that your money will work for you. Visit www.capitakineditect.cotn Please we ONer Code DUF7SMDF Direct Banking 'Please see reverse for important disclosures. PIFASE MY AT [FAST THIS AMOUNT FINANCE Previous Balance Payments 3 Credits CHARGE Transactions New Balance Minkrum Payment Due Date $18,926.08 J-? $600.00 J + $199.59 J+? $157.62 J=` $18,683.29 J $386.00 J Apr. 27, 2009 Mar. 03, 2009 - Apr. 01, 2009 Page 1 of 1 rMaalar .d Platinum Account 520141414II1.717$ Your Account irrfannallon TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $11,316.71 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $11,316.71 / ftar m Char06t (Phase see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $18,825.77 0.03534% 12.9096 $199.59 Cash $0.00 0.03534% 12.9096 50.00 ?IIIUAL PERCENTAGE RATE applied this period: 12.90% A!M At Your Sonike • Gob mmilekilm to rrra a0e tar account, or Cat 1M0.9557070 to report a bet or loan card a speak b customer Pawn Pay Omens At l usaili bMM or mail tar Payment b: C40kd One Be* (USA), N.A. - P. 0. Baal 71083.Owbtb, NC 28271.1083 jd% Sand bululdes to: Orptd Ore' P.O. B. 30285 - Set Lake City, Ur 841304285 Now a question about a charge on your start? Ptcese refer to the BNrlg Rights Summary on the track of you statement or visit www.caoitalone.comikboutes 2 07 MAR GIANT FOOD 01 12 CARLISLE PA 3 19 MAR FAR EAST GROCERY MECWWICSBURG PA 4 19 MAR PADDOCK WINE & SPIRITS WOODBINE MD PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPRALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 5291492145547176 01 0000000600000386068 500279 ONLINE SAVINGS ACCOt a/a Annual (APY)! on balances of $10,000 or more* No "M Lend a hand. Save the land. NIONIM a your account on finis todNy- iNs ffaA, easy and secure. Pay online anytime-no more checks, stamps or stutter. ® Moving? Change your address online or on the back. S Help save the planet-Go paperless. Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 73063 Charlotte, NC 28272-1083 rdIIP?IIL??Nh1?4?IIIlIIL,.IIuhr?Il?1?111?Nh?l?blhirlnl Account Number: 5291-4921-4554-7176 Due Date New Balance Minimum Payment Amount Enclosed Apr. 27, 200 , $18,683.29 $386.00 J? JL JL - J PLEASE PAYAT LEAST THIS AMOUNT #9009208998707484# JAMES I HARLIN 505 6REASON 1 CARLISLE, PA 37035-9436 PI°rdll°Illilu-111,111-II.-IIIIITII Ihrll?dlllPll?llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. $6M.00- $71.96 $62.52 cm?? * High Yield r00,M-,-S:i-gs Rewards Business Money Marart IsMor"Market Mary Mark" CDs Direct Banking Open your Online Savings Account at www.capitalonedirect.com Please use Offer Code DUF75MDF Capital One" Direct Banking-banking that delhilers. •APY in effect as of 03/11/09.2.01%APY applies to aamurn balances of $10,000.524,999.99, 525,000449,999.99, $50,000-$99,999.99, and $100,000 or mom.1 Al %APY applies to balances of $0.01499.99, $10044,999.99, and $5,000-$9,999.99. Mktis um initial deposit amount is $1. Terms and condemns of this offer may change at any time. Rates are variable and may change at any time. Offer expires on 5129tD9. Withdrawals by online transta are limited to sic per calendar month. This product is offered by Capital One Bards (USA), N.A., and Capital One, N.A., members FDIC, ® 2009 Capital One. Capital One is a federally registered service mark All rights reserved, 002 ON 1. tow to Awe a Fbmr Charge. s.Onam Petled. You wel imps a mbknum gnaw period of 25 rye wMW thm surge annew purbhna. nor . . I barrstsre, rwwepww wdwn rd fww corer dapse it you pay your West "Nor Basics", in ooowdWa wiattie IrrPOW None for Paymeut below. and Mane for a all WOKIM by your Payment due re. Thew N no greseOWr on ran adrrer and special tl overt. in atlaBaln, thole is no game owned on any iwreetion x you do not pay to tell 174M prams." b. Actim" phone Change. Taw wbBCe wtkh am not subjectb a grew POW am raaesad finance charge 1) from the dew of awtrurai, oMhumtowdasthe tratmeararon M pnooeeeW to Yaw Account «3) from the find calendar day of 1M aurm bWbg PNbd. Additionally. P You did not pay the -New BWIW from 10 previous Mang period b. Nis, Muslim silo g continue to accrue to your wiled balatlme uafihe enpae alelae Is paid in full. This mean fatyou may ma owe Ibaroe charge. won if you pay rte anWa New BsWm In, on the from of your starenem by fns pay se due die, but did not do so en to pwOo Ours. Unpaid Arvento charges aid acrd loo the ppa MUM of your Amount, c. faMmam Pbaetoe . For ten Oft pow this your amount a ayfQatd Isi*wm charge, a minimum tool FlNANCE CNARGE of So so we be wvomw. d. Tewaeeary Raduaebn b Farplesa Caatar. We nerve the Ilan to not near any or all finvinto charges for any given Wing VWWd. 2. Average DOW Baba PROW" New l umases). Flnares Charge IS m0larea by rilpying nth ally twbnw at own segment dyw account (e,g.. cash advance. purchase, specataWelw, and specie purchase) by the wnaep ldhig daily Iced - MWB) tM a wan onniarrey dividend to you. As to eW of each guy during the dig period, we apply the daily Deredlo nth for each signed of your smount 10 go daily of each Named. Than at the will of the Ming period, we add tip to rruW of bra dery amMu Om to amve at your parload Mmm dope forear segnem. We and w the nuns from with segr wn to or" a the btel pWedc flltance dregs for your amount. To got the daily bawls for each seamed of your amount. we take the beginning robe for soon segment and 00 any now Versumllons and any periodic finance charge calculated an the previous dye bsanoe brut "gi m . We tan sularac any psynwm. a deer poem r d tat dy the am NimatW to that segment This gives us the e.parw ray alma for each segment of ywamrm. However, If you paid be New Balance shown on your pravbus sWKnM b full (or If your new bawls was am or a credit mount), new trentectlme, whidl purl to yaw putuahrs or special puma sagrrrrr we not SOW to tie ray Eea ces. We calculate this storage dry barOe by erg r tie ray beismws together and dwlaag to eon by tie number Of to days in to derat bMp ayes. To madlee your total finance charge. mwipy yw wraps dit boom by the daily p -A, 1, We and by No number of days b ahe slog palm. dub lowoM an • daily Pork «dw b mmkrum Ilnecoe dep. asersmem. When my a • valance bets wsn this calculation and the whom of finance carpe aohrry winumod. Changing Address? 3. Annuel PWowftpe Rase (APR). a. The term "Anwa Percentage ReY may appear as "APR" on are from of the StamreM. b. If the ooe P Musilery Prime), L Puerility USat), C Pusulry CO), or S (Banal Prime) apple on No front of this at to to not to the peretlk raps), tie =I psngac ran aid owm4wWkq ANNUAL PeRCEeITAflE may very we"" and may ahamaaas or dsorrr ba$W on the stated bade, r found In The Wid Street Journal, Piss the map Previously r olww 10 you. Tier carpi will be e0 M an the not dy of your WWg period oowrW by your; uloelo selenwf ending In the rto w d JwmW, Ape, Jay aW Ounrr. c. If the code D (Blaalir Pmt), F 04m" UBOR), «G (treasury LIBOR) appears on to told d yaw statement next to the WWM M"), file perbao rave and contest 11 - ANNUAL PERCENTAGE RATES ray very fti"v rid myth wom" or ,- - bred m""- "ML r bum b The Wall are Journal. piss the margin pevkAUly ar[beed to you. Thar dwrpve WW be eI M on the rat akrglyw bakne paced own month. 4. Amwoom d of Lie. oergra and Rahaned PaV ve FaM. Linda the boss ofywoudwor sparwm, tee metal the mad b 1NOIr «nt b aner try ar Wow prior nmrhsadn to you without wrvltg our right to wale to acme or aWftw Nee a a law time. 5. hemk III Fee and Renerra Your AOMAM If a mentlim" foe appears on this SW~, we we era be fee it you to*" to close your account within 30 do" of to mNrlg acme euft ark. You may console b Ira ate movies doing the 30 ally Penal bdM your NOW. If you do not pay all oha*" did on OW sworn want in 90 rye. «f you use your waft cod or amount AfW you regrwa to clot, any nr0 ites up se pwbwy waved may be rearesuplat to yaw no". a. Cbrp or SUWSMMV YOU AawlMt You may request that ywaoo*M be sbrd by aaWq «wd" w Curtailer Rewbn D"WMWI . At the lime of yew istrusel. we will provide you web adeWerw do" an on" your 900MK The try Irwuda pymeld Wft"Mkn. d you nN your Inert era «alr - poll to yowfcaoura anerym Wk us to oenYom amount, we art NO yaw MOW open or reopen a. We may cote or suspend your ammu t will your dam to oMab coal. We may rtatin at my time aid for any anon. wen a you aw ni indoWA Also prwen dyw account can be permanent orlawpomry. d yowacosura Is closed or suspreW, you mutt Slop Your orada am and account. You must also canal am prearalorrrd bNWg ame grrMs to too amount. yre car not do an for you. It we dot or pem*mMly aawstayw mould, you net also do" an credit cods and aoorrd aeons decks. thou must line pay ON Wowmb you owe w on time account, even It they were charged after your amount Is cooed or suep~. 7. Mring Paynnenb. Payments you mall to w will be credited to your account we of to bdellre ay we iswhm ft, planded (1) yon ere the banrn prton« 1MS esteem aid ywdwca In to erwieoed arnYl. 1. erambpe aid (2) your payment Is solved In our process" orlss by 3pm ET (12 noon PT). Pere allow i ear *0 (5) arbrs aye for postal delivery. Payments an' by r at any other loeodan or In any other form may not be on~ r of the clay we newlve them Out busirow days we Marry through Address ........................................................................................... Home Phone Altemate Phone E-mail Please print address or phone number changes above using blue or black ink. B. Naar Aaoi Elsobalb Cheek Wa you PoasMN a m1101r r. you almedFe ur ~o W bfamvw nbomvw to tore a dived" I, .. the payment rat enelfc . wren we we womr ommmyaab9eokso onelemaoaomd ttnraM. cos may be wWdmwm ywrpoea amount Mwonnbecameryw your Pay 0 and You sea not meows yaw dwok bedk yauranarrcMI WOUNIIM. YOUR viv otWtlr is to by ft dew on the ohw t We may maullf and y collect roamed 9. Baehbuplay, It you so - Mod to pioedlons for yw aomuld, ens wnklnuaoaYan is IN Ildom clonal purposes. K M nal all aleruptso asset «reoova e dam or claim Da alt std any dhot* to w wpleusprerq.. with your teoesy«tha Bw*ftO y Cant. N you want to to Wout your amount or your banknoW .piste have your attorney corsed w. TSILUNG RIGNTS SUMMARY nn Cie of EMOm or Quotas, about w BW) If you think your bid is wrong. «Y you more kMorrnrm on s h e rwo I W W" wyp b won s saw r soon as paasWwathe below fortiiae anterMaorb asNneM. yvt nJi dram Yea alb tier r l afar we ant you ihealp br en Moen tle' «proMrn appeaed. You can CIA our Cwtee Rsisaen moldy us by amid «wabWa. aid damp m will ad your rights. In Yard Nita. glw ur tirsclo •irg : : you nose and rbount Mmes, on "W &a of atom, a dradglon of tie errata an e, of why yam oerve bra Is an eor, «dyou ormation, a : : descrkalon d to rm you am aremo hd have to I- . tayany ahounm question Mee we g It out you we aid clapped to Pay VOW W" yourbIN do an not In q 00-. Wale cos hweYpe6s you . we canna report you. as delinquent or take any mYah to co set to amount you guteba t Special Rue for Croat Cud P If you have a problem wr rat quid; property «rniar get youPwatsent with a drat old you two tiled in gala Mean to correct the Probbemn IeWI ihe yid Oey have to right rw to Pay ate mmenlnp a on the Property or sayer. You have tlms y E: Awn to plnohar pros car ors hen $50 Go and ON mss In your was honwi sat «wi1Mn loo rrlNr d your address. gal we olsvm«-510 to mMCI «a we youths .-Nwnm crew Pop" or and pwchrr am covered regardless of whan or locatio n of purchase.) Plow mown trio sign el cpmeponnne. t Doi nor apply to business accounts CaPaN One supports Information privimy protection: see our weir at wastmealloom corn CaPae Oro Is a IedraNY registered s#vm meek or capital one FIreWSI Corpomibn. All rights reserved. 02MB Capital Coe 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 0 statement. Using a different envelope coadd delay process- Please don't include any additional correspondence. 0 • Last but not least, be sure to write your 116-digit account number on your check. JAMES D HARLIN 200552 5o5 GREASON RD Date 12759 CARLISLE, PA 170-15-94116 Use by June 30, Zoog 68.7270/256o 41059.01 Pay to the order of JAMES D HARLIN VOID $ P rebase Check For inquiries calf 1-800-955-7070 Richmond, VA Memo Dollars Signature R212759R' 1:2 560 7 2 70 11:7 50 2 14554 7 176ii¦ Just write a Capital One® Dear JAMES D KARLIN, ftmime You have things to do. And now you have an easy, convenient finan ial toot to help {,. . you get them done-Capital Oneq Purchase Checks. Better yet, they give you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Pius, there's no transaction fee! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidem. You'll never pay a. transaction fee when you use these checks for cash or purchases And, thanks to $0 Fraud Liability, you won't pay a cent if your checks are used Tacide home projects without your authorization. save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Pl s, you could pay less interest. Treat yourself You've got things to do...get them done with these Purchase Checksl to a night out Thank you for your time, P. Taylor Jamison Director of Accounts P.S. You can use Purchase Checks just about anywhere! Please remember to use them by June 30, 2009. Want to transfer a balance now? Call 1 800-955-707 or go online to htfps.-Ilb wfwftk»a.cQpbdMne.emlo Please see the reverse for important information about using these Checks. 41059 Consolidate your bills Get cash for things you want and need JAMES a HU LIN 5o5 GREASON RD CARLISLE, PA 17015-9416 Pay to the order of Pt? For inquiries call 1-800-955-7070 Memo VOID Purchase Clink Date Use by June 30, 2009 Dollars Signature u@12760iin i:2 560 7 2 70 0:7502145547176i1' 200552 12760 6b-mo/2560 41059.01 0 M0 m Z m O < m y of O m a Ts Z a D 7 0 0 9 D ? 2 O ? Z m M r --10 OE Z= N m M r FZ M Got questions? We've got answers Q: Is there a transaction fee for using the enclosed checks? A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your capital One account. Q: What APR will apply when I use these checks? A: You will receive the same APR you currently enjoy on purchases made with your credit card. It's really pretty straightforward. allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. Q: What can I use these checks for? A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out for just want to have cash on hand. Another way to use your checks is to consolidate debt from other credit cards and loans (except Capital One accounts). Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at plaices that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examp? of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer, All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make ?rvith your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) Maylnot quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed o?, may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. C 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. 0 X O mZ WO M ~ m 09 T O In M a Z e: D .0 60 9 r 0 rZi? _ -i m ? m C r ?g O z= yB m r i M _?•` TRUST. RESULTS. tItJl , H Y .. SAVINGS ACCQ(INT ORT BANl 1 1 O The Capital One®Online Savings Account offers worthy returns-among the best in the nation for savings accounts. Your money starts to grow when you open your account. And, you can trust everything is safe with top online security standards and FDIC insurance. Dear JAMES D HARLIN, on balances of $10,000 or more* When it comes to your finances, confidence can be worth a lot to you. Open a Capital One Online Savings Account and be confident you're getting one of the best savings rates among the top national banks. You'll be surprised how fast your savings grows right along with your trust. And since it's online, you can open it on your time. Plus, the Capital One Online Savings Account is convenient, always accessible and protected by online security standards. You'll enjoy: • 2.01% APY on balances of $10,000 or more* • Easy online transferso • No fees • FDIC deposit insurance increased to $250,000 until December 31, 2009 If you need help, our Direct Banking Experts are just a phone call away. We're here for you. Capital One Direct Banking. Trust. Worthy. Banking. Sincerely, OW T, Matthew T. Jordan General Manager, Direct Banking * o,*"Please see back of letter for important disclosures. To get banking that delivers, open an account at www.capitalonedirect.com Please use Offer Code DLP8MJWDF 200655 ONLINE SAVINGS One of the best savings rates in the nation Please S lrv it arw.capitalon irect.com for our latest rates. Capital One 2.01"/0 APY on balances of $10,000 or more Mort" Market 111186 MW Avg. 0.70% APY- Capital One rate as of 03/11109. **Source: Inform Research Services, Inc. 20D655 G ?nldng t (ef;LW. r "m - CDs Direct Banking 4b THE CAPITAL ONE' ONLINE SAVINGS ACCOUNT A savings rate among Higher interest means faster growth. This rate towers the highest natiomlvide above many other money market rates-it's one of the highest rates available in a savings account. It means no "two steps forward and one step backward." No fees There are simply no fees to erase any of the interest you're earning with our superior rate. Your money is safe. Safe and secure. Your account is FDIC insurance insured by the FDIC to at least $250,000 per depositor, per institution. This increase is currently approved until December 31, 2009. If you want, you can watch your account online day and Free online access night, from anywhere with Internet access. And while to your money you're online, you can transfer money to and from your other existing bank accounts, up to six times a month. Just because this account is online, it doesn't mean it's less Direct Banking Experts human. Our Direct Banking Experts will be available to answer any questions; they're just a phone call away. 19 To get banking that delivers, open an account at www.capitalonedrect.com 'APY in effect as of 03!11/09. 2.01%APY applies to aomwd balances of $10,000.524,999.99, 525,000•$49,999.99, $50,000-$99,999.99, and $100,000 or more. 1.01%APY applies m bales ces of $0.01-$99.99, $100-$4,999.99, and $5XO-$9,999.99. miwmum inhw deposit amount is $1. Tema and conditions of this offer may change at any time. Rates are variable and may change at any time. Offer expires on 5r29/09I. Mithdrawals by online transfer are limited to six per calendar month. "Data as of 03MM, Informa Research Services, Inc, Calabasas, Cq, www.Wormars.oun, based on balance of $10,000. Ahbough the information has been obtained from various Institutions, the accuracy cannot be guaranteed. This product is offered by Capital One Bank (USA), NA., and Capital One, NA., members FDIC 0 2009 Capial One. Capital One is a fedemly registered service mark All rights reserved. TRUST. WORTHY. BANKING. With one of the best savings rates among the top national banks, you can trust that your money will work for you. visit www.capkaiomwked.com Please use Offer Code DIMYrRP"F Direct Banking 'Please see reverse for important disclosures. PLM PAY AT 11AST TNe AMOM FINANCE Previous Brian a Payments a Credits CHARGE Transaalks a Now Balance Minimum Prymad Due Date 1 r 1 r 1 r 1 r 1r 1 r $18,683.29 - $650.00 + $198.30 + $208.66 = $18,440.25 $382.00 May. 26, 2009 ? J L J L J? J? J? J? J Apr. 02, 2009 - May. 01, 2009 Page 1 of 1 rMOWCard J4slitaatl Account ?. 5111111-IM 411154-71171111 Your Aunt IMomtatlon TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $11,559.75 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $11,559.75 l / InoM ChWgn (Please see reverse for important kdormabon) Balance rate Periodic Corresponding FINANIM applied to rate APR CHARGE Purchases $18,7004 0.03534% 12.90% $198.30 Cash 00.00 0.00534% 12.90% $0.00 ?ANNL AL PERCENTAGE RATE applied this perbd: 1290% J A2k At Yom Service - Go to inwasibimmin b manage your exam or Chet 1.8049557070 to report a but or slden card or speak 10 OAIWW Rebeone 0 Pay Dntiue a notaAftaLm or met your payment to: 04" One Bak (USA), N.A. • P. 0. Banc 71083.Orerbtle, NC 28272.1083 Seed Inqulrke to: 9 Oopllal Ow P.O. B. 30285 • Sat Lake Oty, UT 84130 Have a question about a charge on your stabraent7 Plisse rotor to the Biting Rights Summary on the lade of your statement or visit Mm.caoitebne.comldis0utes Due Date r 1r May. 26, 2009 $18,440.25 J L $382.00 J J PLEASE PAY AT LEAST THIS AMOUNT 1/9012208998707489# JARES I MARLIN 505 MASON RD CARLISLE, PA 17035-1416 II'1'111LLb'I'IIIII"1111{{"1{11'111""" 03 APR CFENS KING BUFFET CARLISLE PA 03 APR PADDOCK WINE & SPIRITS WOODBINE MD 10 APR PADDOCK WINE & SPIRITS WOODBINE MD 29 APR PADDOCK WINE & SPIRITS WOODBINE MD PLEASE RETURN PORTION BELOW WITH PAYMENT OR LAG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 5291492145547176 01 0000000650000382001 Account Number. 5291-4921-4554-7176 New Balance Minimum Payment Amount Enclosed 1r ?r 1 ?NUNE 46 SAVINGS ACCOUNT 500286 A?at r' a (APY) on balances of $10,000 or more* ism Lend a hand. Save the (land. Manage your aaotwtt onam twility- ifs fast. easy and secure. ® Pay online anytime-no more checks, stamps or clutter. Q Moving? Change your address online or on the (pack. e Help save the planet-Go paperle s. Sign up at www.npitalone.com. Capital One Bank (USA), N.A. P.O. Box 711183 Charlotte, NC 28272-1083 11111 I I'lll"111[1' II'1111111"Illlll"II'1'ill'll"I{It{II{'1111 Please snake checks payable to Capital One Bard( (USA), N.A. and mail with this coupon in the enclosed envelope. $55.10 555.10 $55.10 High Yield f)nl Savings 71 Rewards Business Money Molest AaouM Macy I%*" Money Market CDs Direct Banking Open your Online Savings Account at www.capitalonedir(ect.com Please use Offer Code DMWRP6LOF Capital One's Direct Banking-banking that delivers. •APYs in effect as of 04Nfi0. 2.01% APY applies to account balarim of f10,000"f24,999.99, (25,000449,999.99, $50,000-$99,999.99, and $100,000 or mom. 1.01%APY applies to balances of s0.01499.99, $10044,999-99, and s5XO49,99999. Mintraw dW deposit mount is f1. Tenn and conditions of this offer may change at any time. Rates are variable and may dioge at any time. Wkhdtavials by online trander are limited to six per calendar month. Offer expires 5129/09. This product is offered by Capital One Bank (USA), NA., and Capital One, NA., members FDIC. ® 2009 Capital One. Capital One is a federally registered service mark All rights reserved. 1. Harr to 11 011 0Panama CbW". w times Period. You was rave a minamrn gract period of 25 data WOW Irene afaraa on oar purchase, nom bsiane aaelers: row sp"W puoohum ham need ~, -9 ss N you pry y- W W "NOW Balarwe', In sccomwoe v0h 2w mpoft Nader for POYrS10 below, am in we for h IN, be onana by your Porrmed de data. Them N m peas Period an can atver"Daa am opecW tnasfwe. In a5odbn, tern is no was period one" 1/aleadlM N you do not pay the total "NOW BBMnOO." b. Aden o, f%Oms CMSgo. Trousseaus Which N not W *d In a race period "awa . rherhos dw9a 1) from we does d 1Mirerwdwh or 2) from the dad the transaction in posiosood to your Account or 3) "con to nett atwMe dare(to orannt banq Period. A Miof". e you did ad pry WA ?am aaa"o.' horn ter prevoa oaeg period In frN, teas 0"0 oadtous w Come to Yaw up out bdmea urn Me UFOW hennas s pad in fug. This mum so you may am we alWace I " I, man dye Pry who can NeW B@wm kdsa1 ands hod dyer Mstaprard by Set Payment der date, but did not Oo eqfNter pnvtorrr rrtonm. lAyap Gnaws charges ant sd" to ge etBNsWto "V iia l d your Acco ra. d: aadrnasf'apmar Obo O: For each Marfg PWOd that your soaesnt s seeped to aaWmeoMrpa, • naWmim tOW FINANCE CHARM Of ft. was W k""PdSSd. d. TenporaY Rtlrrsfsrh in Ferns Crapes. Vile "Greve one SON o not Ogen ay or se enhance dupes for any gran Wide Pence. 2. Avefege Only aaaeree (tr4bdbig NOW PWdusu). FN"Mlwe-aflarge I@ COMOM y "WW AV "e darly WW"WaMMSWVMt dyoWeDoN d(e.g.,aMb Gomm. K*Omo. "Oder hesbf, omep/dM praMase) Or the ow"Pa ang oily Pero I red(s) sat rm bwn pmvu a IV RatiesW to you. At IM Wd of "on day during IM Noting Perib0. we apfdy the dally Psdoac raw for each sagest or yoW mead to 1M daNy masses of each segmat Than at we and of the Hang period. SO add up ter "Come of was s, dopy, daodaios to Sofa M your periodic tularros 01099 for Seth egrmM. We SO up the metae from each so aA o onto at the total PedCdC findnce Cf"ape lwruramwiM.Togateta WilybMer fa rah ea0nrrd of your accord, we taw the Wginmp beep for own Segment and ad Wry Saw traesodeom and any Periodic Mans eaap esouttied on iW Previous day'sbaronsfOrtael saIM '.WOhsnauMnIdarty poynenls oraaam ported sod the dy sea wo.aoated to no adman. The game Go to -0406 daily laidence for eab ••9and d your amaed. However, IF You POs is Nov BOW" sheaa on your Previous NWKeaffl In run (Or it your now tiMareo was arc or a cpM arnoont, tow transactions, wleah Post to your prrchw oraprdp purdrese se0mlds am mt addedto ter doey belalsee. We addrlata eta averege dOXytarea by meg ON Ste deify baeraoa ard•a"N ad dfvfdk"g fro sum by genumber d ter dye in Secured bon". To--yourtotal %a n" QMApe, muddy your erases day bamm by the duty pd I ' i n%$nd byfM Waned aye w ter bang peeled ousfa mpearlg ea ddly bas ads to rdnmum meeae dres" deasdeesM, were may be a vedase ces~ &R, o tdriMIN and we Mount Of wW"oe charge adueby dnWatl. Changing Address? Address ................ 3. Anse Pomanta?ae Rees (APR). a Me Wm'AnrxW Paroordpa Wets' may appear a "APR" on to dent of this ateboVI. b, If the Coda P (Gawrio y Primal L QQuMNrry LIKA), C (Own" Cot, or 3 Monte a d Wane) apptere on am frond Of ms SWerm Fact 10 Via pero 1 wbµa e0 Pnfedh rasa and dbri'sePbrial, ANNUAL PERMWAGE RATES may very q""erta"9' old MW' l I or Wareae based on tie eialed We" a found In Toe VM Sheet Journal. Pas we margw P"S"iM" dsdsed b YOU. Tress changes W5 be dWW* an taewa dy d your Wft palm emceed by your 1 1, ", a t airenarp In the nMid d JWmGrY. APm, JWy am October. C. N the cos D (Foamy Prime). F "W" LABOR), Or G (rmm" LIBOR) appears on iM front of your dWrr"ent sod toter pasWo MW). toe Denbo' rant ant C-UPWK" ANNUAL PERCENTAGE RATES may very mo," ad may increase or overseas mow on me mw Imleee, as owed In The Wad Shat Journal, Pas em map pnvlaaty dmdaaa to you. These changes will be asatve a to NM Aay d your bMrrg paned eah nwm". 4. AaesaaNler , Of Lae. ON~ am Ratarsed P"Nmm Fees. LW4KrMemsdyourcwMwsPmn$r . We mow" I* Fart to won or not o saw uy loss wawa prior rwawma" to you rwaad YlaNtog our right to Mean ter eMrne oriknew toes at a Maras. 5. aMMOerMhlp Foe am ?1aaOSnaa Yoe Account if s f 0 "M 6p fee appears on this statement. we WIN OWN Noe toe N you raghasa toowes your sedamwd webs 3o days Of to maMq or en si"vw . You M" Congress tousairs' acco nd during the 30 day pWad Wfose yaw request. a you do not poy aN alwgw Deed on 1MS MCOUM With m 90 days. a if you hw your credit coo or account ow you M*" 10 owes. any MW bW*Np fee Previously Waved may be "GwWed to your Haunt. 0. CoNeg or BMpesea"g Your Amount You may request ttW your eoooWd be closed by cod" or Meag our Customer ReldWns Cspeamerd. At are who of your "Ggwt we was provide you "an adMmsl Roars a dosing crow toewd Ths may kwtade, pwrm d erfOmtom. N YOU Use your M M card or charges pct 10 your ODOOW EOWYS ask us to Con your 00ONK We am eta vow GWWJM apesa r-11 IL We may dose orssprad yaw SOCOM am your right to obtain WON. We my do this at any am am fa any mason, am a you am net in delete. A SWPIMon of your account can be Permanent Or WrOOMY. RYan Mosurt Is closed orespemsd, you meadaN P W" YOW Cndrl Cord em amount. You must amo amm al prosamorwW being anargarers to the account yye we not do tat or you. It was dodo or PerW W* suspww yaw *CONK You met aim destroy err Oran OWN am aco" scan cneCa. You must ant pay ere anus you am us on the asouM mSo e May was barged ow yo rmowm is dosed or aep~. 7. MM" Payrrhab. Paymerda You mall to s rill be endued to your amount se or the WWON day we redaw It provl0ed (i) ycu send VW - ' Pardon Of ttda awerne and your at In ter Wto,, a n asncs orNsiope and (2) your Payment it received in Me Proeoeshp scar by 3Pm ET (12 roe PT) Pew SHOW At Zeta NVe (5) bUSE" days for POM delivery. Payments nI byes of ey Otter looloon or in any OVWform may nor be %40W a of Ind day was noeNeOwn. Our bushes days ere Monday through Home Phone ................................. _........................................................ Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink. 8. NDaa AWN BMOboRla Chad[ Gom. Who yp+Otovlde a pleat M P-ro YOU Madtnris us K sMlrer to use kdorn"aNan from yaw to now a or"e4kre swom)rdeftm Year d* Snow or to mw Process the Pya""sad es • Cflaok When we W Information trw your eMac.ro Moo an eaGror , fund I motor. arms may be wehd am fro m yourdepoeft a no a ft same day we y- Peamena. and you was not recohm your oaolr book ft* your Momm Institution. Your adaonrAaon s not by INS data on ter check. We may rau6ma and Wally Cored returned payments. 9. Seakimptcy. N you a"G enfaso b pmtadbs for your account ties ccllmrdesdW" day, or keorrrla110nal purpaes. h s not err ertaropt o assets or MOW a debt a dam. Cb not dam ay PI ofnoty to Us without speaking ern you attorney or the Barkruptoy Court. If you wan to us WDut your account or your bMnwupiCy tog. posse more your attorney contact us. TBlLUNG RIGHTS SUMMARY on Case of Erma or c uaaore about Your Bas) F you think your bas it wrong. of N You mere Information on a transaction or bas, vwW to use on a aeaa a Soon a pseNa at the Paris or lnWkrsst the front titer etosmad. We met low from you no wok W days d W em see you iM was be an Which on or Prob"a""r appeared. You Om ease our Cudonw W Wiaa or no* s by Small or webeae, but doing so was not your rises. In your most, glw s Vie foNewep :your no a ad acaaad IS ~W de ddar adaad or ttepeorSlt Mall, a Oaeripdon d the ens and an , N PON$". Of wiry you beseve eon is an error, or It you rtes w4conmadda, a dragon d 1M imm you an uau"G You do not have to Pay ay mrmm ta quern atones we investigating IL W you am to ONOW to py ter paw. your be our we not in qu mm, Whim we mvaOpatayoW . dm cannot report you as dae"qumt orwke any aoton gueWon. road ter Smoun you T Spsci Rule for CreM Cad P N you have a problem warm sods golly prop" or Connote that you pwthnW with i tcard you have Bed In good faith to Correct the MIM war tie you may hme ter Wd not to pay the rarndekhg amout on to properly or services. You hms won p , Morn when who purchw price von mere am$50.00 and net was mss In your has slM* or within 100 Riga of your nmsy address. (tr v"G own or opWOmthsm maim ,aNwho you me WaMSasM or the prepay or sarv , 611 purchases am owomd regardless of orltoue or of purchase.) Pbae rementer to sign all Correspondence. t Cook not apply to business sccourd{ Captor on swoons Worrmagon Privacy pdwedton: see our Webawd waa561gain Csphal Coe is e fedany =8-1=19 fears d Cepf W Cns Financial Corporation. All 20135 Capital On Not quite ready to make payments online? No problem. Fallow 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 thak came with your statement. Using a different envelope co Id delay process) • Please don't include any additional correspondence. 0 • Last but not least, be sure to write your 6-digft account number on your check. TRUST. VVORTH i RESULTS. owur?ouN swvMws wccr BAfiiKING. . ING. . ? . ec The Capital One* Online Savings Account offers worthy returns-among the best in the nation for savings accounts. Your money starts to grow when you open your account. And, you can trust that your information and savings are safe with our secure online standards and FDIC insurance. Dear JAMES D HARLIN, on balances of $10,000 or more* When it comes to your finances, confidence can be worth a lot to you. Open a Capital One Online Savings Account and be confident you're getting one of the best savings rates among the top national banks. You'll be surprised how fast your savings grows right along with your trust. And since it's online, you can open it on your time. Plus, the Capital One Online Savings Account is convenient, always accessible and protected by online security standards. You'll enjoy: • 2.01 % APY on balances of $10,000 or more* • Easy online transfers* • No fees • FDIC deposit insurance increased to $250,000 until December 31, 2009 If you need help, our Direct Banking Experts are just a phone call away. We're here for you. Capital One Direct Banking. Trust. Worthy. Banking. Sincerely, Matthew T. Jordan General Manager, Direct Banking * ° -Please see back of letter for important disclosures. To get banking that delivers, open an account at www.capitalonedirect.com Please use Offer Code DLSFDPDDF 200663 0NLIN SAWNGS JC {. One of the best savings rates in the'nation Pieasev?si?t tfvvnV.caPitalo ?rect.com for our later rates. cap" tine 2.0'1/0 APY on balances of $10,000 or more`' Money Market Nall" Avg. ©."% APY- **Source: Inforrna Research Services, Inc. 200663 C*pi;njz 1110 YkId r Rewards w Business Direct Banking Man" s4doM ?aonar ?anlst CDs Capital One rate as of 04/06/09 C"W Direct Banking THE CAPITAL ONE' ONLINE SAVINGS ACCOUNT A savings rate among Higher interest means faster growth. This rate towers ' the highest nationwide above many other money market rates-it s one of the highest rates available in a savings account. It means no "two steps forward and one step backward." No fees There are simply no fees to erase any of the interest you're earning with our superior rate. Your money is safe. Safe and secure. Your account is FDIC insurance insured by the FDIC to at least $250,000 per depositor, per institution. This increase is currently approved until December 31, 2009. If you want, you can watch your account online day and Free online access night, from anywhere with Internet access. And while to your money you're online, you can transfer money to and from your other existing bank accounts, up to six times a month. Just because this account is online, it doesn't mean it's less Direct Banking Experts human. Our Direct Banking Experts will be available to answer any questions; they're just a phone call away. Is, To get banking that delivers, open an account at www.capitalonedirect.com 'APYs in effect as of 0404f09. 2.01 %APY applies to account balances of $10,000-$24,999.99, $25po-$49,999.99, 550,000-$99,999.99, and $100,000 or more. 1.01 %APY applies iD balances of $Ohl -$99.99,$10044,999.99, and $5,0W$9,999.99. IAA nimum mital deposit amount is $1. Terms and conditfons of this offer may change at any time. Rates are variable and may change at any time. Offer expires 5/29109. Viihdrawals by online transfer are limited to sic per calendar month. "Data as of 040W, Informa Research Servicm inc, Calabash, CA, www,informars.mm, based on balance of $10,000. Although the information has been obtained from various institutions, the accuracy cannot be guaranteed. This product is offered by Capital One Bank (USA), Na., and Capital One, NA, members FDIC 0 2009 Capital One. Capital One is a federally registered service mark All fights reserved. 500258 0*00 too am? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One" balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-6ao-955-7070• FINANCE Previous Biderm Payments R Credits CHARGE Ti onseetlei New BManoe Minimum Payment Due Date $18,440.25 - $700.00 + $199.87 + $0.00 $17,940.12 = $379.00 Jun. 26, 2009 J ? J ` ? J ? ` J J May. 02, 2009 -Jun. 01, 2009 Page 1 of 1 rM ,C,d Natlrwm A,otud PLEASE MY AT IEAW THIS AMOUNT Pigments. Cndlb R A> nents SM4111ti-1664717! 1 20 MAY PAYMENT $700.00 Your Account Infor netlon TOTAL CREDIT LINE $30,000.00 Want a smarter way to same your money? At Capital One Direct Banking, our _Oun are online - so we par TOTAL AVAILABLE CREDIT $12,059.88 the savings on to you with higher interest tttai ttadlional branch bmks. And a0 of ou savings options are ba CREDIT LINE FOR CASH $15,000.00 by the security of FDIC insurance. Learn more at caprWoncdrect com. AVAILABLE CREDIT FOR CASH $12,059.88 / r Finart0o ChNgn (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE Wood to rate APR CHARGE Purchases $18,244.20 0.03534% 12.90% $199.87 Cash $0.00 0.03534% 12.90% $0.00 ANNUAL PERCENTAGE RATE applied thin period: 1290% J At Yaw Sondes -Gob bmeroaeyoirwomm, rp or Oak 148049657070 to report a bat or stolen cad or speck b Qmbmer RifonS 0 Pay041Maway ,mm armail your papnentb: Capital Oro Bank (USA), N.A. - P. 0. Boa 71083 - ClartAb, NC 28'172.1063 4D Send ingddes to: Capital Oro- P.O. Box MM - Sat Law Oty, UT 841340285 Mara a q, H, about & drape on your stateetept7 Please refer to the Billing Rob Summary on the beck of your statement or visit www.cmitallone.com/daoules PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAKTALONE.COM TO MAKE YOUR PAYMENT ONLINE. . 1 5291492145547176 01 00000007000003790106 Account Number: 5291-4921-4554-7176 send a hand Save the lead . Due Date New Balance Minimum Payment Amount Enclosed Manage your account onMno y- f Jun. 26, 2009 $17,940.12 $379.00 it's fast, easy arM secure. J L J L J L J ® Pay online anytime-no more checks, stamps on clutter. PLEASE PAY AT LEAST ® Movin ? Chan r add li h t k THIS AMOUNT g ge you ress on ne or on t rac e . Help save the planet-Go paperiess. #9015308998707484# 0 Sign up at www.capitalone.com. JAMES D HARLIN 505 6REASON RD Capital One Bank (USA), N•A• CARLISLE, PA 17015-141L P.O. Box 71063 {1'11(1'111111111'1'Itlr,ll,{1111{Id{111111'ill{11'1111'1{{1111' Charlotte, NC 28272-1083 II{1{{lyll',.1111{'(it'll{{Titre{{1111„{{.Lit{1x4{„??{F{II{'{III Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. 2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-800-955-7o7o and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 092 01 1. How to Aesd a Fbomm Charge. s.Oma PSOW You WE have a ridni mr Woo Pahod of 25 Rya VAPOR lance charge on name pothan, new belnce Rion I . raw suede puaosses and new Wet (dgpa.N you pay poor OR "New BOMW. in eooonw""a ltam li porWn Nrabe for pynarM below, so In on for It to to am~ by your pronem dMate. fine N no Rage ceded on dare edvnaes and somW iafraI . In addition. from is no We" Pared on ay transaction a you do not pay the total 'TeeW Balae.' b. Asa .0 Fbome CMpe. Tmsadlns ~ale rat ,bpd to a pleas period am aeeasaedfinar" onerpe 1) from Medit of to haOWIM or 2) *11111 the data 1M UMMUNn Is goaaa b Your Agordllr3) from fie fist calendar day of the currant bNrt PON, Addroramhy. It you did roam pay he'Nlav BWWM anon hie previous boot Prod in RM, manse alamtaa rlasnun to *=Us to your WOW balance wO no upad biefros, is Paid in rut. This IMala that you May 90 OM Marna charges. awn a You POY VW aria New BEaOes IndldaNd an 9119 had of yon aoamrM' by ham OaPnalrtdue dtM, but did not do so, for Me WAWA rearm. Unpaid prance drapes eta adaed 10 90 pploaN SW Pont of your Accord. C. M ikf R P tRhae Charge. For soon onrg PWbd lost yout a0oawa N adbfaAl b a IYrerioe chaw a Einanan Oil FINANCE CHARGE of $0.50 who be ,posed. d. Tow w" RAdmoom m FaRnes c, - we heave firs natal b ad aces any ran Phan pulp" for any giventrgisg:, . . 2. Average Oak gErwe (ptaardinp Mew Purahsees). . FIMMe ramps is coWAOM by muMMEV the deny bOMna deRn aS9nnE Cr'yWxaocount (e.g.. ash abana. PiNNhPM1 0111000 nenOw,, Wd spatial Purchase) by 1m owrallpramsrl Any $ 1 2,d Ws) #W tea bmn Pravioeny tltegIOaad terou. At the End of aeon day during lM bent PErldrL M spay gam d,Itr WrodirraM for each seprow d yworNowdto he daay balance of Snob seamen Thu at gam Wed of fta slog pWmd, ws add p 1M IMas d*iNediWY ensnare b save & Your prloac aMllbadllegs for each sagramd. We add ip the Mara lam eon astpnaa b Wow At fin OR parodic Oft- dWge for your anvil. To gam the daily ballanos for aeon eegrwa of your Mare, we we to Mahon b$ WM Tomah ssgnierd ad ON ay new trnnefto Ertl any Pe eft A As crrge abrred M the printout der's noedrforfiot eegnwn. We am sublow any PaPW* r redo PNMd as Of OW ay #0M afoceled to gw ser wen. This gives us he spaata dey eons for 610e0 nrrti dyawse", However Nyoupadfie Nee SOME* ahOwn n your P WiOW StMwnK t n hMl (or N yon Mw,I Rea auo our ¦ redo amour), new taMMloM.Of lot pest to yourpudwe rspalal ouchen a9 ail not RAM to the aNy aeWloes. We COMMS flat W e any b Om" by adding Basis, daily balances tcpanar ad '" ' " - tai sum y ham niraer d he days In gam email bMft Cycle. To C*wWa your total thence mop Magda Yols sterns any banes by that day, padogdo rear ad eV ham nNafasr of days in no b11kt Peed. DW10 On" on a day basis or ties to inalftnern finance (Ahags as m0 .VIM be a veW1da bowari fids oslorAabrl rd fite amour of nnrm date scway Yaesed. Changing Address? Address ................ 3. "" PEtar N Roses (APR). a. The Mm'Aaval ProMWrps REM may ppseras -APR" on the moral of red staterernt. b. if to Cods P (OuarOSy Pniy, L P iewledy LIBOR), C Puw" CDL or S MWA=d PMw) appears on to from of five low an ot had to the peflodic ""). gam prlodso On sot orfaprdn, ANNUAL PERCENTAGE RATES WAY vary quW" nd IMy Woonn or decteass band on gN shod aldicse, ae ford in The Wall SUM Journal, Phis the mWpa orsYSonsy dhiaoOad to you. Than changes wait ,aIf -N an the I* dy at your bNkp Period Covered by your Pnbdb shMMnt OR" In it* month of Jahoey, APk. July and Osbba. C. N the cods D Monthly Prfne), F (Mard ify UBDR), or G MMWY LIBOR) appws an 1M front of Yaw *t"nw rasabgtapEr" "W(s),VWPWUdiormeand arnaponialnp ANNUAL PERCENTAGE RATES my very rrmOly not rosy nataae a dencnean bleed fir me shod IedbM; n loiaid n TM Wa 8/laet JorgniN, Pus Nra "Wgkn Pn AW* doalosed b you. Thus rlarpn who be aSaaw n tMfM day d yon bdWp pakfd Each month. 4. AGONOMal of Lao. ONRnIdi Red Rammed Payn - FewUnder dta/ermdyour ouabvarmgmw- .we rearw he fgln to waWe or not to use" my heat wow Prior nomerAon to you Wrawwebing or AgE to Mena the aamta or swnw uses Ea taw wm. 5.11 1 1 4 afaFee and A & - Your Amount 0 a nambw" fie apftaata n 6 *1 KfOK N Wr COW he, les It you request to does your account wlwn 3D date of Me mind of this gww" rt. You may cadkaato we ha acacias dump ha 3D dy Pond td 11 you ragveeL g you do not py acfmpss owdm list seoaati west gam tp drys, a a you use your credit tad raworn Rhar you request 10 Noss, ay nonOershlp 1sa Dnamlousy' Rased rosy be MWWW$d to your socoina. 6. Cbeft or Bu patdNg Your Aecour. You may request that youraoooua, deed by ante or Wvlag our custom Ralahra Depefirmod. At the gored yaws request. We WIN prwrds you with oddabral delete on abaft your sowumt. This mry include pymsat Nihon OW. If you one Your WON ad rnrges post to ycursocorn rho you Mk us to ckae your acorn, we an Neste your account open or "Pan it we may don or aut"W your Mwrd and your r911100- 1 C-00-WenisydoeqsEWyrMRedforay radon. urn a you are not In OWN& A siapwafarr of your aoaount an be Pe name t rtse W". N your efooum is closed or suspended, you WNW Also using your on" cod and nowunt: You must a so arise n pteawliorrad lrltft anargenarns to tai soooura. We WO not echo for you. if we dare or Parr MW* Suspend your sommit YOU trust also destroy ON redo acs and adooura Maas chain. You min an pay a SMV" You owe us on the McBurd, wen N they waft cherged after your account is closed or napnded. 7. Netting Paynisab. Paymrnte You mail to us was. be credited to your 11100011m n Of via WOW" day we Now" It Provided (1) you sad no bowl oran of oft SMuffow ads yowgdiak in tai WOlaat amhNhna sfwebpe and (2) Yedr PriYM" is w*WW In Cam Ptaaaa 111 earner y 3pm ET (12 noon PT) Plane slow at"" law (a) fusnses days for P=w dsMwy. Pay, An naussrsd by us at why ~ location or In ay other tom may not, redaed' at of the day w reMlva tASm. Our business days eta Monday tnaugh Home Phone ........................................................................................... Alternate Phone ....................................................... _................. _............... E-mail Address ................................... _...................................................... Please print address or phone-nnnrber changes above using blue or black ink. e. Nona Avow EtadlroEa CMOk When you paYNle • aflack o N* you aWanze us K eaW b rwa ananrlon ttdm yaw 0 b make a ona4na 40 etsCbbrvcfund baramtarrOm your da gaCOEraM Orb iw Vann dta OaYnrrent M • anedr lm m . When law use fnddrlatlbn Flom your alrotita maha an 4tsatvve it" i founder, funds mow bewlthdresn Your d"Ook eoaounl as soon as 60 arM day we Noeee your Payment, End you w01 not raadve your C MM beak yg9r f nenowl ftwunen. YrdaldnMUNWO N rot y tai data on the cnea. We my tasurn am ft " NEy Cdteot Warned . PW W 9. sonowmy. N you am erdigad to aPy pabcwm for your saount, this ansnuNW. N or~"A1faia Purposes. it il not an naps to too" e tlEh or ctaMDo nol ay to n Without opaaanp wm your P ornoyorthe enkruPcy Court. n you wads b y about your aowunta yoW bW*RWW Proisses hM your attorney oonflaot us. fBILUNG RIGHTS SUMMARY Pn Can or Erma r Olrsara about V r BIN) N you taftryour bill i wnrq. a 0 U mac N omebw on a tran*$WW or bill. Wtte to w an 7 ~"*Own poabla p nil aderas for higxales w vwfrra or tlds ste4etnrlt. We mat towftm yon ho ' tan W days alter We ant you tha*9 bbinWhile to rproarn appear". YOU an calm Cnomr Relations or nottly us by anla rw§bM. but doing so was net your toms. In your, mw,, give us the "Min" : your nuns and amm number. gam doer arras r suspetled am, a description of fita err End on Poealble, of why , no you behave tree is en ear, or If you man "our a on, a Oascrplbn dtM rerrl you eta uMUta You do not have to pay any amort in aueeeon wNb we Invoutov A for you ant pies aaltWedbsoy the WIN your of hE w not in queen. While we Insesb your , we cannot report you as dstequem. or tare any scum to he amount you question. T SpeCW Rule for Credit Card P If you have a power, with the gaay Proloarly or arvion ha you Purot avol Wan s cup ad you taws toned In good film to Carta01 tos pnoblartl Rah tai you may have the fight rid to pay the amlMinkt amaW on tai Property or owvloa.Youh oftdo pnWetlon ay tai PUOnaes Pda Was man than 1)60.W dos 1M who MMO n your hose state rwNnin 100 mink ofyaw areas. (If we own r operate file rMlchat, or NWe yWr1M stlrwaMnrd for the Property or , M Piavnass en aWOM mWddim of arrant r d pushes".) Plane remsmWro stn all oomepoateraa. t Does not pay to banes. sccounts wad Ores pwac ? protection: ea our Capital One is a federally rog*WM sna ?ia mark of Capital OM Financial WPOodion. All fiphN ne"Ned . 02008 capital One 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 0 statement. Using a different envelope could delay processif • Please don't include any additional correspondence. 0 • Last but not least, be sure to write your 10-digit account number on your check. JAMES D HARLIN 505 GREASON RD CARLISLE, PA s7oi5-9416 For inquiries call 1-800-955-7070 Use by Augusl3l, 2009 200552 12763 68.7270/256o 41059.01 Pay r of VOID ordeot TAMES D HARLIN Dollars CPO ;?W Richmond, VA Memo Purchose Check Date Signature us12763Ra r:2S60727011:7SO 2i45547i76Re just write a Capital One® DearJAMESDHARLIN, na sm 'l if @ ? ' You have things to do. And now you have an easy, convenient financial toot to help you g e t them done-Capital One Purchase Checks. Better yet, they you access to your existing Capital One account and come with the same rate y u pay for ! One simple solution for the purchases made with your credit card. Plus, there's no transaction things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks;' are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card;, and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself You've got things to do...get them done with these Purchase Checks!; to a night out Thank you for your time, - Consolidate your bills P. Taylor Jamison Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by August 31, 2009. Want to transfer o balance now? Call 1-800-955-70701 or go online to battps //trlSicr6eMnces.tpplat¢fone comfoJers. Please see the reverse for important information about using these checks. 41059 200552 JAMES D HARLIN i2T 5o5 GREASON RD Date 68 CARLISLE, PA 27015-9416 41059.01 Use by August 32, 2009 Pay to the order of VOID $ Dollars Purchase Check Richmond, VA For inquiries call 1.800-955-7070 Memo Signature us 1 2764111 1: 25607 27011:750 2145547 17 611' a ao m= mo < 16 m a252 T Om aw zs s 9 A aO s r w Z O N = =i m C m C r .? O O -4 2 ~ S go m r Z M Got questions? We've got answers Q: is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can 1 use these checks for? Capital One account. A: You can use them for almost anything-whether you're Q: What APR VAR apply when I use these checks? A: You will receive the same APR you currently enjoy on purchases made with your credit card. It's really pretty straightforward. Q. What is the difference between my "credit line" and my "available credit"? A. The credit line is the maximum amount Capital One will shopping for new clothes, enjoying meals out or just want to have cash on hand. Another way to use your checks is to consolidate debt from other credit cards and loans (except Capital One accounts). Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. You can even use them at ples that don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or dosed; you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a tens of, your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the 8illing Rights Summary on the back of your periodic statement for more information. 2) May not quali- fy for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Plea be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or Our account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. C 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. 8 m M Z M.4 0 m o4 .5 X 6!. We M 31 M s m ° s s ? r a = 1 m m Z -4 N w m r ?i M 500258 0900 , A too thm? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One" balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-800-955-7070- FINANCE Previous Balance Payments b Croats CHARGE Trortsadionta Now Bdancit Minimum Payment Due Dde ? 1? 1 1 1? 1? 1 r $17,940.12 J-` $700.00 J + r r $189.56 J+ r r $146.92 J=` $17,576.60 J ` $365.00 J Jul. 27, 2009 Jun. 02, 2009 - Jul. 01, 2009 Page 1 of 1 ( MasterCard Platinum Account 'd1B1.1i21?661.717E Your Account Infonnadon TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $12,423.40 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $12,423.40 \.. / rFh=Ce Charges (Plrese see reverse for important information) Balance rate Ponodc Corresponding FKUCE applied to rate APR CHARGE Purchases $17,879.94 0.03534% 12.90% $189.56 Cash $0.00 0.03534% 12.90% $0.00 ?ANNUAL PERCENTAGE RATE applied this psuto l: 1290% J jd& At Yom Service - Oo to waiffAmoilabne.win menage your aooarM, or Oat t4W%5.7070 to repot a bet or ODW cad or speak b Customer Rsldans Pay Online at onogjamilebro.com or mad your Payment b: Capital One Bade (USA), N.A. - P. 0. Boa 71083 • Chei#li, NC 28272-1083 Send bapNrNsto: COW 0. P.O. B. 30M - Sd Like Coy UT 8.4100285 ® Have a question abort a charge on your stshenent7 PFaaas refer to the Baling Rights Summary on the back of your statement or visit www.coodalone.axnldmutes PLEASE PAY AT (FAST TNa AMOUNT 2 04 AM THE VALLEY RESTAURANT CARLISLE PA $22 3 05 JL94 CARLISLE BEVERAGE CARLISLE PA $17 4 15 JLNI WINFIELD LIQUORS WESTMINSTER MD $24 5 19 JUN CHENS KING BUFFET CARLISLE PA $51 6 24 JUN WINFIELD LIQUORS WESTMINSTER MD $31 Want a smarter way to save your money? At Capital One Direct Banking, our actounaa are online - so we I the savings on to you with higher ink than traditional brabh hark. Arid all of our savings options are I by the security of FDIC insurance. Lean more at ospiMlonedaecl.com. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. Due Date 1 5291492145547176 01 00000007000003650'02 Account Number: 5291-4921-4554-7176 New Balance Minimum Payment Amount Enclosed Jul. 27, 2009) ` $17,576.60 J ?_ $365.00 / ` J PLEASE PAY AT LEAST THIS AMOUNT N9018308998707481)Y JAMES D NARLIN 505 GREASON RD CARLISLE, PA 17015-4416 111.11.111111.11111., Ill. 1,111111111.,.1. 1.11. 11, 1 Ill 1., 1, 1111.1. Lend a hand. Save the' land. MrnatB+ your account ONO" t--dIlMII`- irs fast, easy and secure. ® Pay online anytime-no more checks, stamps or Butter. ® Moving? Change your address online or on the'back. S Help save the planet-Go paperless. 0 Sign up at www.capitalone.com, Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1083 1111111. Ill.- Ill 114,11111 p.1111.111.111 .. I Please mnake diocks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. 2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, If you don't have checks, call us at 1-800.955-7o7o and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save? 1. Now to Andd a FNlanoe Chase. `dn law . You will hue a minimum paw porlbo d 25 days WW.WA 11 arlae dlawe an maw purchases, new baWmce baneP newspeft pure asu aha new oMer ohadgse a youPay ywlaed'NSw Ba4noe'. in eooorarhw cabM inyenro Notice ft r payments calow, rid m s brB toM Ctewed by you plamaad aw are. TrAM it no pact Perlad on Cnh 004811011111 and SI I vwwwo. In Gomm. ills Is ne paw palls on any trrNaatlon t you do not ply on real, "NOW Boma.' b. Aaalaag Famlae Owilp. Transactions whass ate rot map d b apaw petod.We M and Islands clove 1) from MdMdMflgllat0, d2)bornMaddsM tlaamdbm is promasGod to your Account or S) bass go first ON~ day dM rmant bmng prod. Addlar nW. B you did not pay M'Now Bftn from M previous baWq prod in full, 0 owe claws wdNfue to stew b your unpaid baW I urw Me unpaid Desires a. paid in fug. Ths wawa Mil you my sat owe Mena dawn. even B you py m dfaMa Nw BeWmce IIWCan m M from of your atalanted by the payment due did. bur did not do so fa M prgtohw mwa1. Unpaid Ilutrmw dawn eme gdde0 b M appAOabte eepmem ar your Aoawnt. o sBaYnam FYmlae Charge. For own bRbg panac that you aioaud Naugadbafaarse dawn, am""" tdai FINANCE CHARGE of $0.50 was be Imposed. o. Twowry R@*W n b Fronds Cows. We Iserve to riltb not mecca lay oral Mane darpee foray given bang Period, 2. Average Daily Barre ondw*V Nov Pumbr ). Fiance dalge N wkuMed by ffvM*ft the daily balance of each mmipam d yaw amount le.g., can advwlae, Purchase, aPadai aanwer, all spedd purchase) ay ter dlanasporfalrlgaswy pack aic rahas) Gas has been pwdfauly Wedokad b yaw AS M era or each dy lap Me bNlug period. we aappy M ay parodic ram lot each apmnt dyoupaamusn b M lay bWrras d eaon spmnt Than a.M and of to blWne period. we add up the raclre Of Nhsr Nary pWdpMOna to ants of your palbdk brom a- -, for each smgnmant. We add up the nrtdb 1Ahm eadssaglarmt b amw ar M tow pelloak nano dawn laryw aecand. To 9r M ally balwhea Inc cads agmwdt 9ryagcaaoorrt. vie tee Br uepktusg Waterloo for elan sagnaalrM add ay new Beaactloa and any pwN - Mmrm0Saaw? cabutesd on the pw4lows day, haMnOS for Ma . Ws alien subtoc any 4 111 paynans or Callas passed as of Mat nay tat ere allocated b Ma Goirlad. Taw elves' w to ceps" any beMntw for warssma dyouacocn.Howwar,ayoubamdM Nov awtoe shat" on you PWAM raWr.d in full (a N you aw balarlae wry we or a crew anlaud), now tromas YOna, Whim pad to your purcres or special pwdraGo eepnenes ass al canal toM any bWrrws. We aabWMM avadge sty Daiance ay addng eB M any DaWkr "Wisr all dNdrp M sum by the number of the dip in as distant 60V cycle. To wkunde you btal iN aadWae.MA*yaw&"MPallybeWes by it* daily psaodk rata era by to cumber d dye 0 M billing parkd. Due to maul g an s ally bait or due to nwNmm finance dam" rea waK rhea may be a vaBVtds . - this oalculablin and to amount of fiance on" actually sassed. Changing Address? Address ................ Home Phone Altemate Phone E-mail 3. Annwl Pmm*no RNs (APR). a The Vain 'Annual POWNWROW may WPM as -APR" m M fart dBIN {Yana. b. If ll cads P (Gwnsrly PIMOj L (GuanMly 1.19OR), C pJarwy CD), or s menbwd pnnn) sppow cell from d Bra daNrldern IhrdbMpapora fe"IMl '-ac errs -4 ANNUAL PERICIRWAGE PAM my vary wll "Wd MR m , of tlaaeae?baaatl on the steted pedlar, as fluid in The Wan Skillet joarnal, Pala dos Blagmi Pravlaay dNdNO to you. TtNGo oangaa We be on" an MMr day our your mag prlad 0-00 by Yw parkado ateYm . rMng in me mods d,NNary. Apd, Jldy and CobMr: C. B m mde0l1MOntlldy Pnm). F PAM" LIBOR). or G (Treasury UOCR) appa ss an Mehald of yew aWmem oval to to pegodk raYR). M parodic IaNa arc co all .. p ANNUAL RCENTAGI RATES may vary monthly and dry saawsor dleeraase brad on go anted WHOM. a ors In The was aksat JOarlal, plus M margin Parsay tlMM" to you. Tfur 01114r0ee will be eaecaw m M Mar NFdyatwo ft pWladeadrmaam. 4. AUNOMM of Lads, r - walillnkallap Rayarrd Far. Ulderalatels dywaibass, 0 gacL we reGotveM fall b twhrea at b aaan say Res srrrod Poor noMakm b You udMtedrlMMq w NrI to gaps Mswmor~fmatemwwm. 5. MracaNalP Fur aid IisaatacB Yaw AdsaM. B a nwrlbaslugMpapptars an Bait Seraatlrn. lure will dew M 1nryet equals, toakinyw aoooud wm* 30drysdBa msotp albs aarslharmL You my atarlawb fads M GOMM dt" M 30 dry prod bwds you squat. B you anotprywaus0 oMd M MN aacohamt v"m in so days. OF B you us your one am or MOWN aaer you No" to doss, any "Wnbsrsbip US PrgvNwh WOW may be remssb d to your SODOM, 8. C 0MV or &spwANG Your AspowL You may request that Your 4000M be closed by ochre or wnl,lag our Customer ILNnOm ospMmrd. At Ow time or your ngwst. SO our Provide you war adwtonai ddwNan Olaesg your amount. This my Wiclui a pie - r epsam , n yrt un you Oder OfildOl cab 001416yowgaaadairsYMask a b cal ywaaodunL w err asp ywaoacud span a NOW B We may class OF ruprm0 Yom account and your "into, bisto dew. we may atnls allay tea and for lay drop. wan B You era net In dahuB. AsnproM of your smourd ass D• psnrm lint orsnipwary. B youraoooum N dosed a "Spanuad, you mud sop Wr$ your also ad and amount. YOU mat ab Osaat as prNUMBiad bwrw mnangemnb bar tooauln We VA nil tit this for you. If we aloes or Pwmww llr Suspend VowaooWK you mind Sao d"M as craw ads slid adsdsd Spots dacas. You must 20 Pay w alacwlla You CAD r On the SCOD d, evanB theywere darptld alMyou sceoum s elaGod a suspended. 7. 1 11 Payuass. Paymm You mail to w will be cadned to you SODOM AS OIM business ay we receive it, Provded(1)Yau SWAMbMM..PDIM dBhlaai AM9r" and Ywaaok In M arwloare I'alldhnoeww"W and a) you PSYOM N IawMSb curPteamsmy order by 3pm ET (12 Moon PT). Plme lbw a ,call Bur (S)DUSman days for POBW delNry. Passant lecsivad by as r lay attar lacSnan a In any oar farm rally flat be Marine dy wo raoSNSMSm. Our business drys ass Monday Snood Please print address or phone number changes above using blue or black ink. 002 01 8. Nance About Ebdronla Cock wan you provide a OMOkas you awtenGo a am-louse Ift,o wfromyw toMOM0aa.aa aiadnintefandtranterlromyorr aoaarat orb proem Mm all us" .When we use IdatMlonhomyw Ofdmeab an eleomras bssd harsh, funds "my be adlihawast yaw .. account a scan aMsmprlytn Yourp"mis cad you war act redelue your crack so* ywontrtel ogtnuom YOUraumorAwo Is not by go did* an the aleck. We may rowrn vial 6 y cow nonmed P"U- . 9. iarpupluy. B you an WOW to prousdsods for yours court MN wnwtOtllon s only Aar adomnsnonal ))ImpiNm, ac s nil an b aadfw «teaowr s debt or dam Do root erta aIIY dNei90 to w WOW Speaking wltlf your aBOrrmay the Sansupy Cart. Byai wra b. ue aped you aoodurht or year barnauploy .pew have your attorney OOmat w. ',. tBILLBIG RIGHTS SUMMARY on Gds or Emors or OhmasMmce 00A our Ba0 If you IMnk You bas is vwalg, or If you man lulonfhalicn on a aaadlan or bill, was to us an a aMdnewas ponlre dM"won bas hap"" a"ft"d Of VAN alalrnent. YW muds Iftinyou ne Men 80 nays SIW wla Gold you go land bid an dodahM rprobirrmsppawd. You can call ou Cwlaar Aided, r rally w by small or vardsas, but ddrlg so SO nag your rgob. In youstar,givelte Mbbvrg ;Year r4m cad account amber. M door wmaida of Saspedeaam..0 description Of Me armr WO an .apossbN. Of by YOU oars Blare is an WW.. a il you mat sdormation, a dom"m of Vie perm you We unable .YOU a not eve to py any amwd in quson Waevw W-WOO p it but you ova still Sblipsaid to pay the prove. ywbidam we net In gaabwl. VRYte ova lnv*Wgra you , we certrmSl report you w anrpue t or aft any sdsm cask the amount you question. I Special Rule for CNN Card Golwam If you have a I; - was M quay property, or Ma you purchased vA awes Said you two bNd M good n to oadd M pro wrrM you may ova Boo ssrypn nor to pay the mnWdp smart on the pop" or souks. You have tits srosoBm who ft pwohw price was more am 150.00 and Me was Mob in you norm atas orwrdn 100 mass d you rnw" . MS, p1 sa can Sroperastarm ome rBwe you the sdrwwsmrt for it* pill" or srvio". r rxwmm as COVantd MONWA to of MOM Oketlliwk Of pwMM) PNre remember b Sign an cadspwiance t Ooh mf apply to fnssaas scmu* Csp%W Oa supports mrnm door privacy proape*dn: no our Wm.MRLVIM weal at Capital one Is a lnNady r edilarsed sanon mark d cop" Oa Financial COtpOdtlm. AN nir reservad. 02005 Capsl One Not quite ready to makepoynfents online, No problem. Follow these simple steps, to make sure we process your paymems smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came vvith your 0 statement. Using a different envelope could aklayp.. • Please don't include any additional correspondence. 0 • Last but not least, be sure to write your 16-digit account number on your check. JAMES D HARLIN 200664 5o5 GREASON RD Date 12765 CARLISLE, PA 17015-906 Use by September30, 2009 68.72701256o 41059.03 Paytothe f JAMES D MARLIN vow' rderrs/ o Coo"_ Check For inquiries call 14800-955-7070 Richmond, VA Dollars Memo Signature no 1276 So, 1: 25607 270 147 SO 2INS 54?17611• Just write a Capital One DearJAMES D HARLIN, ?+? You have things to do. And now you have an easy, convenient rinanc al tool to help ir. you get them done-Capital One Purchase Checks. Better yet, they ve you access to your existing Capital One account and come with the same rate pay for One simple solution for the purchases made with your credit card. Plus, there's n transaction ! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't acepted. Use these chedts with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your Check$ are used Taclde home projects without your authorization. Sometime and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit Caro and loan someone special balances. That way you could have fewer bills to pay each month. Pl s, you could pay less interest. Treat yourself You've got things to do...get them done with these Purchase Checks to a flight out Thank you for your time, lid bil C t t°" onso e your a ls " P. Taylor Jamison Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by September 30, 2009. Want to transfer a balance now? Call 14MO-955-700 7 or go online to i?1grrtr// ttcrstopfln aarn/o4ers Please see the reverse for important information about using these checks. 41058 200664 JAMES D HARLIN 12766 565 GREASON RD CARLISLE, PA 37035 9436 Date 68.7270/256o Use bySeptember3o, 2009 4305903 Pay to the order of S Dollars w?dw:e rick Richmond, VA For inquiries call 1-800-955-7070 Memo Signature P& 2766R• 1:2560727011:7 50 2 145 547 06R• T m 9 a M N s M O a 0 0 T 0 0 O m 9) O 0 Got questions? We've got answers 0 D O m = kn O M 01 <I m? O 1 O m D N T j Z ! a a n O9 s r ? Z F Z Cn m ? m a r 1 O f Z y C S U) m M r 4 Z M Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out,., or just Q: What APR vAN apply when I use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you enjoy on checks is to consolidate debt from other credit cards purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "availlt le credit"? personal checks. You can even use them at plajces that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or dosed; you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment, or a term of !your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer, All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make With your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) Do not qualify for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. ® 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. T m 0 i D m fA m M CD D O T 0 0 m i O S P 0 0 330 mz m? D m? 0.4 Om D ? T ? D to a ?m zo Z CDi m m ¢ pD O Z 2 y „ M r *Z m 01000 poiNdt"W"? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital Onee balance 00000) 500258 transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. =Ready to transfer? See reverse to learn haw. CaR 1-800-955-7070- FINANCE Previous Bow" Paynards b CMIRS CHARGE Trareachore New Balance Minknurn PayIner Due Date $17,576.60 - $800.00 + $192.55 + $158.31 = $17,327.46 $365.00 Aug. 26, 2009 Jul, 02, 2009 -Aug. 01, 2009 Page 1 of 1 Vaal rC,ard Ptalinurn Account 11 5M Ng146a4.7176 Your Accowill Wdonntion TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $12.672.54 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $12,672.54 (FiNanCa Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHME Purchases $17,575.76 0.03534% 12.90% $192.55 Cash $0.00 0.035534% 12.90% $0.00 ?AMM AL PERCENTAGE RATE applied this period: 12110% At Your Service - Go to erraL0iYhaLgn to manage yam ammint or Cat 1-004955-7070 to report a bat or slobn sand or speak b OAbns RWreans Pay ORikre d nNaNiMUM or mail your pwpnW io: Capital One B" (USA), N.A. - P. 0. Bmc 71093 - Charbtb, NC 2OM-1063 Send Obefuldes, ne- P.O. b: CspiM Ore P.O. Bcor 30265 • Si Lel®ON UT B, 4100285 PLEASE PAY AT LFA51 TX6 A#IWNT 1 24 JUL PAYMENT Transaatlats $600.0D- 2 08 JUL SHILLITO OIL, INC. DILLSBURG PA $2.54 3 10 JUL J 8 T SEAFOOD WOODBINE MD $18.00 4 13 JUL KRUGEITS RENTAL SERVIC CARLISLE PA $53.00 5 15 JUL PADDOCK WINE AND SPRI WOODBINE MD $28.61 6 24 JUL PADDOCK WINE AND SPIRI WOODBINE MD $28.61 7 27 JUL PADDOCK WINE AND SPIRI WOODBINE MD $27.55 Want a smarter wry to saw your money? At Capital One Direct Banking, our accounts are or4are - so we pas the sang on to you with Vw 111WW than most traditional branch lanle. And all of our sang Options ar backed by the security of FDIC insurence. Loom more at capilelonedirect.com done a Ruaatlon about a charge on your ate-- at? Please refer to the Billing Rob Summary on the back of your statement or vied www.ceodabne.con-ddiswtes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number. 5291-4921-4554.7176 Due Date New Balance Minimum Payment Amount Enclosed ? 1? 1i 1? 1 Aug. 26, 200 9 $17,327.46 J $365.00 J L J PLEASE PAY AT LEAST THIS AMOUNT 5291492145547176 01 00000006000003650103 #9021408998707484# JANES D HARLIN 505 6REASON RD CARLISLE, PA 17015-4416 11.111111[.1HIII 111r1111Pd1Ih1-1111I-I...IIPIIII.. t-tv tend a hand. Save the land. Montage-yow account oanMM Ws fast, easy and seciam ® Pay online anytime-no more checks, stamps or clutter. G Moving? Change your address online or on theiback. S Help save the planet-Go papedess. O Sign up at www.capita4one.com. Capital One Bank (USA), N.A. P.O. Box 711363 Charlotte, NC 26272-1063 uIIIP•I11,?nld?lrhlluL?Ilutr,IlrI?N1?t1••?11111d?hd Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. 2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-800-955-7070 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 002 of 1. Her to Aurora a Ferartee Charge. aGrawe Period. You will have a nhlnmarm pace Period Of 25 Days Sadhoul fnorco chat. m row pumtwees, new balance canals. now spacial ptimhweee and new other chalpes it you pry yawlaM -Now Ba encW. in accordance with to ImpoNlN Notice for payments below, and in orris for It to be credited by Your PS moM due OW. Thera N no grace period on cash adwncSe and spectat caafwa. In aaalorl, then is w pea period on any transaction l you do not pay the total "Now Balance.' b. AedmYg Film loe Clmall Trarisabens which an nol subject to a grace Peod an aeaesed tkonoe draw 1) iMnn the delta Of to ', or2)Nom#wd&Aft frarsactlon is Proeaae• - to yea Account or 3) font the rest oslamah day, atheowtem baling pMed. Addak rady. N you ON not pay the Now Be~ Drum the previous bang period in ma, ference chingst cordinue to *DOW to your unpaid balMroe load be unpMd beldince Is Paid In full. The, them tier you may OW owe fnenoe charges , win l you pay the Smile Now Balance Indicated on the frog of your Statement by f paymsn due der, but did not do so forthe presto s nand. Unpatd fade chages an arum to fur appwebo eepant of your Account. c. hanklsen Flaadoe ChMe. For each btimhp Perim that your WCO M is tithied o a fbMSe Charge, a minimum tow FINANCE CHARGE of ID. 50 veal be Imposed. d. Tanporery ReduMbn in Flosade Charge. We reeeNe the dope to red aesess any or a memo charges for any given boo Parlor. 2. Average Daay AaI paeeoog Now Puocosse). Fiance OWN" Is COOM M by multiplying the daily baodce dl each segment of your smoan (e.g., ash advance. purenwee, SpecW baagr, and speclel purchase) ny the ConespaMbap deny perlodo MWS) had no been previOisly tlleClesed to you. At f and of each day during the baling period. we apply, ft ally periodic, rW for each segment or your account to the dMIY balance or aeon sepnerd. Then at the and d Sao bfrg period, we ON up the reataa Of then duly abteatba to Office at your perodc Marce dwge for each Segment. We add up the results from era Segment to amw at the Ioldit periodic thnoo orwge for your aaboue. To go the airy beano for each Sophism of your aeccunt we twee a* beginning bewlCe for Sao sagmis had as any new Verwootions and any psco a fans charge calculated on the WAMS dro balance for tier segment. We than subtract any perynsnb or oedfe posted n of that ay Mal am allocated to the Segment This gwa his the separate airy balance fa each "Whom of your accoort. However. H you PM the New Baw1CO sham on your previous statement In full (o N your ace boleros was two or e Wood Srheunt). new transactions, which post to yaw purchase or $Whd purchase segnaMs are not added to the dotty batances. We calculate, the everape ally balance by adding all the doily balanced bgeknr and dWWV fa sum by the number of the days In the oharerg cWkg Cycle. To calculate yourriolal ftiherloe obarp mad" your aerege daily balance by. on dally posoft had and by Ind member of days In the 1e ring pwlod. Oee tomu dIrg oally basis orduato minimum Inenoeeahpeaaesmar Owe may be a veronce bob~ this calculation had the amount d Pnana chega actually mowed. Changing Address? 3. AIrwM P•loenhOa RMN (MR). s. The term `Anent Percentage ReW may appear a'APR" on the frdm d tl11s Stalarhahe. It. H the code P MmftV POW), L (QUarteuy LIBOR), C puertedy Co), or a mandwere Pane) appears on the front or MID a" disc rand to fur papoWo a"), the - him and bOlgapomaq ANNUAL PERCENTAGE RATES MR MY quo" and In" owed" Kdacreaft based on the stated h . n fund in The Wa SOW Journal, plus ft Moro previously dlaMasadto you. Thus charges 101 11100 000" on In* IM day of your tesg prod Cam by your parlocto atalrvo . watlag In the months of JamwY, APM, July red Od*W c. H the code D itt ordl y Prime), F pAorledy LIBOR), or Q (nosury U110R) ens on Bo dad Of your Mosuna, net to the pedotlk rad*), the l; i- nlas and eorrapo ck ANNUAL PERCENTAGE RATES may very dorthy and may Ir , or deonaee hawed on the SuNd I dcas, s ford In The NMI gf g Jan W. plea the rargkl prevbYey a isdlowed to you. Thewe der a MN be olledtlve on Na IM day d your Willing POW each month. 4. Aeeweweore of late, Overlbalt atad RoMMO Payment Fass. Undorthe larta orvowalssomr sgnarDe we rsaeres the 1" b wee or not b son" ray tees we" poor ndw wm b you wwAtg paivfq ourtight o assess the ants a ebaar tbo M o idKtNM. 5. Mewboddap Fs ape Rehhaerlgg Yew Aoeoum. It s "on*"" fur appwen on this Statement. we will Or" t the fee If you result to own yaw aoeaoe w" 3D days or be making d this atatamre. You may oorwnnto use the account dwlng no 30 day period Cakn yournaeat. N you a rct pay sN dhalDes owed on tais mwAt wM N fD Orys, or l you tonyour crsdb owd a aeoolee Mlaryou request o CION. any "WV* arp In PWWUMY 100000d May be renwtaled Is your account. e. Closing orESpw Your Agee You may lequeet that your account be doeed by ON" - Selling our culsoner Rehabs DapemaM. At to *ft d your request, we wal provide you with adaNOnc delsN on ahweoshg your account The may i chuff psylew lohrraeaon. ryau nee yourI ran K dwga Post te your anew bet YOU ask us to doe your scoam, we an"yawsow" open or reopen it. We may close or Suspend your aesam oral your rgntto I I der. We may do 20 at Say Mae and! tar any reason. awn l you are not In detault. A snapowon of your account an be pemwoM or temporary. N your woman is closed or esPbnded, You MUd Mop raft your erect to and spectra. You must Mae candell ad amngNws b the aooourht We veal rhd a Ms foyaU. It we dose or pemheromy suapwM yaw sccuK you rtsist also ces" area cans and account aoaes dread. You not SO pry a amounts you as us on the account , wen N trey wan charged shot your account is closed or auspaaed. 7. Making Papnwdo. Payments you man to us wNl be credited to your account as of Vie business dry we reaNe It pursed (1) You Send the bMM. Portwh dths Statement and your," A ht the arcbeed mrtwenms faaelopeand (2) Your ptymeM s recebed in ewPM IN" center by 3Pm ET (12 noon PT). Phem SNOW M leaf tier (5) business days for posel deNwry. PsyrrMe neoetrsd by a at a" other IoCallon d In My DOW form may no be onact0eo es d me day we recce them. Our business drys are Mondry through Address ........................................................................................... Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Pkese print address or phwle numilber changes above using blue or black Ink. ppepsito 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 0 statement. Using a different envelope could delay process. • Please don't include any additional corre#pondence. 0 • Last but not least, be sure to write your 1I6-digit account number on your check. S. Noaoa Abut EMWaMb Clrask Whin you pevNNa dlaak'ea YOU MM ft US efherbose lahmatioa hope your b rrwesoha4kro pMCss tln pmrlarll ads ohac NMlh we era ewerrrMO srnyater to as elraaareb rum Verstaerfundenwitha, Nelson yaw; ..Macau" n soon a "amm day we your payment, am you Slid no reoMes yaw ntMeback your mtanolal katraaloih. Y"aadloWNOh is no by the Oft on the chm. We may nm&ra and coeeOF returned pairmen 9. Banlaaplgr. N yo W f b pon eundect, prondone br yaw SosovrL fys M a m is 29 to washadbatl purposes, It o ad ipt p faaese or asoom a debt or aWwt Do Mostly ba without spoNOV with year bapecrupl ay Mlgney orbit Bemwuplay Caul It you wan to us about your account or your bwAnOy plane rem your attorney cornet s. tBILUNQ RIGHTS SUNMAORY . On Case of Emhs or Question ewort our Bas H you mwn yow bid is wrong. or l you S eat more barnsllm on stmaedon abal, wnwebus one ~"*Was Poesfesatfoeaq - forlogosises onoref se of its Statement We"Whevbomyouro Man SDO&A aher wessMyauDOrembW.oswMdlNO Kproaatnappeared. You cur bad our Customer PAMImmm nu mber or ready Us by Mal orwefafe. but doing so wild at itr awso your rights. In your ledar, gw s fur obwghg our ante and aaeeunt teaallhol/nIt d stpoolaa senor, a m doeericlorurn awwoo m Poo",dwhy yN f, o K yo hdoooohMlon, • ors daedryton of M Lan you a waves, You do not laws to pay Ky Daunt at reasboh whale M 4MFg It, but a you Sn cal ob11BMW billy Na.Par bWthat are not h gaaoh. Whin we nNeelgaN your . ae cormot report yes s aMqusM ortake any, sow arrbunt you toooftatthe question, t Special Rule ImCr*M H you hew a prolftm cent the do'" eefvlaes Progeny or fat you puraww wlh 1 oral used you taw Merlin good Islh o conchae ptoblent rf 4 Bad YOU may have the right not to pay so rrt eakog crowd on the pmpoty or eenbes. YOU heft this protection aey when the pathes• Price win ntos Ban $00AO and the era left In your hats stmorwaNn too mINS a Your Wog seas. Or we own or opelatetln norchoK or N we you the adwrtlprhwl lorbe Property ff Sent ON purchased are covered ngold 6 or Maim or d tau meno) Purse rwnemosro Ngn MI cohreeporalsnee, '.. t Does nor apply to business soeourO Capitol pro supports womwoon prWoy preemption: Pee our wbefeMypegpm OWN One to a taderaly regsaoo pre vin mark of Capital One Financed Corporation. AN rigs MMVO d Q 2oa GWaI Ono Not quite ready to make pay<r?ents online? No roblem. Follow these sim le wet ?to make sure JAMES D HARLIN 505 GREASON RD CARLISLE, PA i7oi5-94%6 ,*,.o Pay to f he , JAMES D HARLIN order o For inquiries call 1-800.955-7070 Richmond, VA Memo Porpme Check Date Use by October p%, 2009 200664 1276] 68.7270/256o 4%059-01 5[ Dollars Signature no &2767R' 1: 25607270&':7502&45547176R1 dust write a Capitat One" Dear JAMES D HARLIN, C f You have things to do. And now you have an. easy, convenient financ{al toot to help I Fu- -k Pay to the order of • you get them done-Capital One Purchase Checks. Better yet, they give you access someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. to your existing Capital One account and come With the carne rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction feki things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywher¢ you can use a personal check. They're especially handy when credit cards aren't accepted. Use these chedrs with tanfidenoe. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit cardlI and loan Treat yourself You've got things to do...get them done with these Purchase Checksl to a night out Thank you for your time, I. Consolidate your bests P. Taylor Jamison ? ?. Get cash for things you Director of Accounts want and need R5. You can use Purchase Checks just about anywhere) Please remember to use them by October 31, 2009. Wan[ to transfer a balance now? Call 1-809-933-7®7q orgo online to htgps://bun?erbaMrrc?escopl/nEane.aom/offiers. Please see the reverse for important information about using these checks. 41059 '. 200664 JAMES D HARLIN 12768 5a# 6RFJ{50N RD CARLISLE, PA %70%5-94%6 pore 68.7z7ol2560 Use by 0ctober3s, 2009 41059-01 Pundmse Check tg, inquiries call 1-10.955-7070 Richmond, VA Memo S "jars Re&276fino 1:25607270&1:7502&45547 176R' O m D r 9 m D O m m S O m O x M T m O' D M D N T ? 0 a 0 D v 2 Q s > w T 0 C M N m m C O 0 IE N m 2 i S m Q m r_ n 0 _ m Got questions? We've got answers Q: Is there a transaction fee for using the enclosed checks? A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Capital One account. Q: What APR will apply when I use these checks? A: You will receive the same APR you enjoy on purchases made with your credit card. It's really pretty straightforward. Q. What is the difference between my "credit line" and my "available credit"? A. The credit line is the maximum amount Capital One will allow you to borrow on this account. Your atlable credit is your credit line minus your balance, if, any. Q: What can I use these checks for? A: You can use them for almost anything-whether you're shopping for new clothes, enjoying meals out,' or just want to have cash on hand. Another way to u your checks is to consolidate debt from other credi cards and loans (except Capital One accounts). Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. You can even use them at places that don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offers All other terns and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make th your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) Do of qualify for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or y be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the tim a check is processed. S) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as ,a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sum;cient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. C 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. m O m m m rn 0 > 9 r < ? C7 N T T < D MM m T O C > s > S O O ?y 0 m r w S 0 N = m m Z ?r 0 0 N Z m M r ? * m 500258 0.000 leall.? A Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One, balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. CaU 1-800-955-7070• FINANCE Previous Balance Paymwtb & Crial CHARGE Trmactions Now Balance Minlmum Payment Due Date ? 1 F 1 T 1? 1? 1? 1 r ? $17,327.46 J-` $600.00 J + ` $187.15 J+` $57.22 J=? $16,971.83 $356.00 J Sep. 26, 2009 Aug. 02, 2009 - Sep. 01, 2009 Page 1 of 1 rMastaECard Platlmutt Account ?. Your Account hdommitlon TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $13,028.17 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $13,028.17 r\? _1/ (FIIa8111101111 ChOrfn (Please see reverse for important information) Balance rate Periodc Comisponding FINANCE applied to rate APR CHARGE Purchases $17,083.17 0.03534% 12.9016 $187.15 Cash $0.00 0.08822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE appWd this parr: 1290% J Aft At YewSonvke-Go to bmanage vour xooanl or Cot 1411104W7070 to report a by or aloha cad a speak to Cuebma Robb= Pay 000 ate or mail your psymem b: Collie One Banc (USA), N.A. - P. O. Bon 71083 - Charlotte, NC 28274-1083 heed IngaMK to: CapiW Orr P.O. Box MM - Set Leke Oty, UT 84130-0285 PLEASE MY AT 11W THIS AMOUNT 3 31 AUG PADDOCK WINE AND SPIRI WOODBINE MD $28.61 Want a smarter way to save your money? At Cal One Direct Bar tu%, our wounis are online - so we ps the savings on to you with higher interest than most traditional branch banks. And all of our savings oppons r backed by the security of FDIC insurance. Learn more at orarirect.oan. Here a gwathm about a sharps on your s aleaaent? Please refer to the Billing Rights Summary on the beck of your statement or visit www.capiWm.com/dispiM PLEASE RETURN PORTION BELOW WITH PAYMENT OR LAG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 01 0000000600000356004 Account Number: 5291-4921-4554-7176 Due Date New Balance Minimum Payment Amount Enclosed Sep. 26, 2009 $16,971.83 J ` $356.00 J ` J PLEASE PAYAT LEAST THIS AMOUNT #9024508998707488# JARES D MARLIN 505 GREAson RD CARLISLE, PA 17015-4416 I11-'1 ill--11..1.1,1111'1'1111111111.11.1111-1111-III-11-I GO GREEN. SAWBEN! Pay attire and save ?„ money on stamps. Sign up at www.rapitabne.com j ?''?J Capital One Bank (USA), N•A- P•O. Box 71063 Charlotte, NC 26272-1063 it IIIII-111--n41-4-1111111--111111.-I1-1-III-II--11111111-1111 Please make dted(s payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. 2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at i-8oo-955-7070 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 008 of 1. How to Mold a FNa ANI Course. a GrowPanlad. YOU will Hap a mHimlm pace period (if 25 SayellNlsllt Smince days an Has PuMh n .row batrtoaeaMeM, new a"" lard"" and now One ; pea # YOU pay YWIM'NDW Ba aoW, in rMaMraeMW toil W~ Nolte for PsYrIM tWdr,ami11 a"' I«lbbOte 1 yyourpetrrbrd disk dot. There is no pores PaOW on den advarm= am spas. 'Uwafm. In addition, more Is noques Pm"won env Irwasdlon d you do not pay the Use$ N WOMWM- b. AMOM FMmoe Charpe. TmwaoNOS which are not sut" to Soma Period are sbbeed fdMnae OMye 1) from we deMd 2hs trrMa"On w 2)h«n 1Ha ate 1h@ imm aWS M pfObbll b yourAOmunt «3) from lhs first cNender day of do current bring period. AdditiaMNy. N you did rat awl am 'MW Balance" mom to previous Daft period In fen, fnenceOgn=nt bSOMe to your Wne" Oalmos units the uprd. balance N sold In full. This ffwm 0W you my en owe 0- o charges. evenNyoupdylM r0 NewgWros In"Wsthe Horn d ydselaNmmt bYt1M PeymMht da deho bW den nut do w fr0o psoftes tIh0 M . UnpaW flttwlw dirges we added to the pObON BW laid of yaw Aceount. e. Minimum Faw m Change. For Own burlap Period that your WOOL" is sub)ent to s lion" eorpa, a ff*d m test RNMJCE CHARGE of 50.50 Will be koposed. d. TMrpoMly RaarWah In FNMnar Chrpas. We ram" ten dpM o at" awa ay «b flnNOa ahayes for any flrvs W" Pored. 2. MW W DNy Beene QaaMdlap Now PurdMbae). Flne oe days s OMMIRW y mwllpybrplM sly bass" of sae sapnrart d Marso meat (N'A.. Cash advance. pwaIMb, spool twoW. and ISOM purchase) y ben oofvommdk dolly prledk rasa) ow ftm bow Mrvrosy 4WOO6 d b you. At the and of acs day dusty the Hand prod, we apply No any pedaWe rate our sash selpm nt of your MMM b Me day MWM of *Son segment. Then W f" and! of the bNNng period. we as up No resuNi d# s 001y c*WAmM to amen W your pwi%M fWWMe sheer for eaon soymea. We dad bap me nssWb oMesen rrWneh"b Wow r to tOW NapestO Hdanoe ehsrpe roryow e"ount. To pal weepy beans or seen sepmaW d your wadwnt. ere tar go beginning b"m for enh sepnMM and add ay flow MM AWS and any peadld Msrme "brae CMM W a NM PWAOs do" Isdomoor Lou sag . We ton subtract any paymsls or wwdls posted n of that day Owe we alocWed o tme non art. Thenylvn in to seperetedo" bounce liar own seprtoM of yow esOoent. However, r you paid the New Boleros sown on you previous Moment in full (or l your new balmce was woo or a crane am ant) now wdWdwa, ssi" poet to your puMhbe wspeolal purchase eapnhehnts sm cut added to the dolly balances. We cwdlWe ors W+eraps fly boMn" by adding ON the dolly basn"e opsthsr and dK*" the sum by am number of the aye In den daw".bNbp aide. To "buret your WWI Hreme dtwpe, a ! yourawnaedoly "Woe y we sly proof MM a dbyto Mu1Mw of aye in no baling poled. Ds o funding on a dlly basis ordueo Mi imam Hmwe arse" somewom then my be e vwwm beflvaen Nb OtlCwerlon end lM arnareht d flnhan" days actually aasasnd. Changing Address? Address ................ Home Phone Alternate Phone E-mail Address 3. AroW P--mftp Rates (APR). a. The on -Am* PamMepa tale" may eposern -APR- on tHa hdntdNr stabnN". b. NUM Cob P (Our" PAM). L (Own" USM. C (CJlnenerrt' CD). a S Mandwrd Pmn) appeals an the boo d the sides" nrd b the purse, red51), Me pwlodfe roles end CsepatdMp ANNUAL PERCENTAGE. RATES may vary quart" and my lddaaee or ftoftn abut «h me ftaled Sam, b found in The WNN SMS JOUrnw. pits the matan previously disclosed to you. Toes douse{MNbeefta enmelastaydyourbNwy pNbd owered y your , I N' s Ww w" entling m the MM M of Jrawy. APO. Juyerf October. c. N une oob D fAcol y Pdnatl, F (MoWhy USM), w G (rmmn USCR) opera an INefrom d your $Me vie next tithe Oatldeb adolel the seriadla f*n and =IN"$dky NOWAL PERCRITAGE RATES may very mw" ww may awrebe of seanans brad on the cats Irdl"e. n nerd ld Tlw WaN SNa* J&AiW, pis ten "WJP WWW" WsOlred toyau. 7bes OfM wMbe Slaatlve s 100 1st day Of Your bN % period..bdh moo. 1. AaaresiaaM of Lau. OserwM sod Reboood poll Few Un rSMIN oryouraaso ve a0raantlrN, we 1oeeM lla lpkl to Sol m r no b abase sy has Slow prbr harflbaoh to you waseaid aOr" our "Vint oases tossewe' ' rbnr¦Warlbda. 5. Mo baMW Fee Sod.ftW NIp YOM Arosl. If a rtSo 6mat fee I err s ms sfransw, tea ape me tHa fee r you 'to toes your aoool¦tl "win 30 days or rM hrme dthlaet owna" You"" ow*mio o use ant awosl MrYyro 30 dey psaO bode{ YoW Mguset. r yeti a not pay as one" aW O ON 1Hla WOOM MINI In w days. a d youuse yow ~ ow0 or so"m alw you Mglwst o ewe. MY rnwl$Msl be pMwosy welved may be MWW W$d to yaw aDwimt. d. 0100M ar Suspending Your AUSWXYL You may request NW YONao"unt be oldwd by also or story m« CsMbsr Millstone DpWrme t. M to wren or yaw lowest, we spa POWs you With SWUO W I on mosey ymr soosunt. lhs my iroka payrnwN edorntaaon.11 you sa Y-M astd-,hoops owi0yowwartsants youbk s to *Way= swo nt. era am asap your ae"ent pen es rDOW L We n *y Oknse w wopwd YWX SNOWA std your epln to abl I aheat We my do Oft W ON "IS and for any reason. W" If You ant not In deft*. A suspension of your asaaW am be permanent wsa pwwy. If your account In - . , r espwd '.YOU MIN MP sky yanaedN cod and a"aM. YOU WASH Was aedaw WI PMWstMdaas burp swywnenM b No aoboum"will not da this or you. If We does or p- amly auaPrd your aa asap. you mast also doeft all ere Wt , , and Account assess chsen. You no eW my am anldures you an s on the weduM, even N NOW Orr 0WOOd Saw your scows is closed or suspended. 7. Iblky Paymenu. Wymens you moll to s wen be crwbd to Prow a"ount as tithe h WOW ay we aft" It plaviOsll (t) YOu send tne bd"tohl penldn dent ssesmmt WM YOwahemr o Ile wNaeed nWWAr"aweless and (t) YourpayeMW s mc~ In ar pnosbinp oeWer y 3pn ET (12 now PT) Plans saw at law new (5) buserw days f« po" ON". PapAlb MoWwd by s at any prior WOWW w m sty Weer form sty nut boCreaaa n d the day we moelve Vern. Our bsldw days are Monday through Please pint address or phone number dlantges above using due or black ink. 9. NONes Aber de01r0ala dl' Ise! Whsn you pfvidt a "hark a , you swwnre to edhsrb ues kesnnharoe NOm brNrea area-Urtw esctrenk Ilyd ewrwraamywr N amoarlt «b sotto the payment as it alas . When era u o Itiomstrall from yaw disk to an Sou- '-fund healer: funds may be Mflelmom your dpoW amount as soon b the same day ors your P"" Wll and you win fKA RKH" yo ,d , aldk yourwMdalal aSlutlon. YaretNOrlrtlen snot by the dent on the look. We may re uston wd 0~ returned psyffom. p. awdvupby. N you are aWNes b• pMadio s for yoL ac"uri, thla EOIIMItalilaflwl is 0 }CrIntdnhasblW purposes. H is not an ebflgR b web or Hoover ¦ debt« aslm. Do not fond s" pay dMdybs wrda sps"V wNh yaw attorney «the SrWUptay Cam. N yob Sam to us about your soceLd or yaw bam eopy Please thaw your aomw coned s. tNWNG RIGHTS SUMMARY on case of Eedre «t3uesdens {saes our pap N you sink your bill is wfrrp, «N you more Intel OW s s ksrMabaofl «wntr to to SH wleet b aeon b porla @01ft edoees or safes{ an the hold dms elelenllant. WenlaN Haarlremyo HS awlSD .tlaysaHar We sell You ant ON bell an Sus the or prwlam appealed. You art CNN our Cuatorrr Ram, «wMy s by @a" N weheb, but"spw WRre yournlphb. In Yo« Whi o us to fmayrm { :Yaw earn ao M aooo m mlper, go dow of"" IN euMpeded carer, a dwddponof NM enor antis .l0=5". Of wey you OaNew owe in an am, ar N you mw?Into loom, a deesliption of NM Mm you ore tssub You da no have b pay any armor in asses White ors V IL bas you aw stMeslpaur spay OM Pa+s yOurbBwW are red In goestbrh. Whr we Imeaarab few : vase snot repot you a delllquent or team s ea0n QU"wn mood ten amount You t Somali! Rule for CMON Cad P N you team a problem With the query property w WVbBe then you womieso Mw. a "a odd you have ass in 0000 fawn to mbrrwr the pwblemMM tHa you may Have ten rah not to pay the remaining trateart on Servics. You have this pMbcUon Mon ere wohbe price wb nwre ran SM.00 WW it* Wee ltW- In your hsa rate rMIWn 100 MMS d Y. mMenp add a s. (N we own «opmM the mwdhwl, w N We youths advw"wnent for 1hs pop eny a , n pldeHabs ere oavemd regardless of whsun" w of purchase.) Please renlWMsr to sign all comespodenoe.'., t Dan riot apply to buwnss wmurnoi Capital ohs supports k"sHaYOn "S", ptosceon: sit our Webs% W I Capital Ono is a federally IepleMled be murk of Capital One Flnanclal Corporation. All nplb .02008 Capitol One Not quite ready to make payments online, No problem. Follow these simple stepslto 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 0 statement. Using a different envelope cc Auld delay process. • Please don't include any additional con, ndence. 0 • Last but not least, be sure to write your 6-digit account number on your check. JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015.9416 Date Use by November30, 20030 200664 12769 68.7270/256o 41059.01 Pay to the VOID order of of JAMES D HARLIN Purcfase Check for inquiries call 1-800-955-7070 aw?nn Richmond, VA Memo 111127691" 1:2560727011:7502145547i76Re Dollars just write a Capital One® DearJAMES ° NARU"' Check! Phi-tchne ' You have things to do. And now you have an easy, convenient financ al tool to help 40 Use these checks with cartfldence. someone special balances. That way you could have fewer bills to pay each month. PI?1s, you could Poy r the V ordto( Donors Pwchase Chttl[ Richmond. VA For inquiries tali 1-800-9SS-7070 Memo Signature IIei27701' t: 25607 2 70 11:7502i45547176n' you get them done-Capita{ One Purchase Checks. Better yet, they g yr you access to your existing Capital One account and come with the same rate pay for One simple solution for the purchases made with your credit card. Pius, there's no transaction things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a when credit cards aren't acce ersonal check 're es eciall hand ted The . y y p . p y p You'll never pay a transaction fee when you use these checks for rash or purchases. And, thanks to $0 Fraud Liability, you won't pay a cent if your checks! are used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card and loan pay less interest. Treat yourself You've got things to do...get them done with these Purchase Checks to a night out Thank you for your time, _ bill lid C ? _ `"_ .WN onso ate your s P. Taylor Jamison V? Get cash for things you Director of Accounts want and need RS. You can use Purchase Checks just about anywhere! Please remember to use them by November 30, zoog. Want to transfer a balance now? Call i-800-933-70T or go online to helps://Mer!lslonaes.cophotonecc?m/os. Please see the reverse for important information about using these cJhecks. 41068 JAMES D ttAR1JN ;r; SJieASON RD ''. 200664 12770 CARLISLE, PA 17o15y416 Date 68.727o/z56o 4105901 Use by November30, 20030 0 i M M 9 M O 9 0 O 0 O S O S 9 Q 0 0 O Z Z m P Cl) 0 a s m on rn m S T T m m ?y Z C Z ,a O a Z O Z ? m ? m C r O O? Z -? N N M r ?t m Got questions? We've got answers Q: I$ there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anything-whether you're Q: What APR will apply when I use these checks? A: You will receive the same APR you enjoy on purchases made with your credit card. it's really pretty straightforward. Q. What is the difference between my "credit fine" and my "available credit"? A. The credit line is the maximum amount Capital One will shopping for new clothes, enjoying meals out, or just want to have cash on hand. Another way to use your checks is to consolidate debt from other credit cards and loans (except Capital One accounts). Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. You can even use them at pl ces that don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Exam of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you ave filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term oflyour account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offe¢ AN other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make Nith your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) Do of qualify for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please b sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or ur account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your auoynt. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has su cient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. ® 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. m n m N 0 O O O O D 9 S O 0 0 I I m? 0 M oa m T _ m a M y Z 6 60 9 Z I x N -1 O RI i A? A r z M 500258 0900 too Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One" balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-1300-955.7070• FINANCE Previous Balance Payments a Crelets CHARGE Tineneactions New Balance $16,971,83-? $600,00 1 + $179.89 ,+? $114.60 $16,6663, ? J L J? / L J? Sep. 02, 2009 - Oct. 01, 2009 Page 1 of 1 neshrCierd Plolhasn Aicoust IgM46I146647176 Your Account kdom d oin TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $13,333.68 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $13,333.68 r r Mnance Cho" (Please see reverse fa important information) Balance rate Periods ConespaMeg FINANCE applied to male APR CHARGE Purchases $16,967.57 0.03534% 1290% $179.89 Cash $0.00 0.06822% D 24.90% $0.00 ANNUAL L EWMA13E RATE applied Oft perbd: 1290% J AdM AtYour $Mvice•Gob bmeageyour ecsowx, or Od 146149667070 b report a bd or abbe ced or speck b O siomer Remb s Ply04"at1 mormdyomrpepmaMb: Capital One Be* NSA), N.A. • P.O. Boo 71083. awblle, NC 28272-1083 Bead hgWrks tor: Capkai One, P.O. Box 30285 - Sit Lake 6ty, UT 81130.0285 Maw a questlen abwd a charge on your statosesart4 Please refer to the Billing Rights Summary on the back of your statement or visit www.ceoitabne.corn/dsoutes 1 23 Mirdmum P""Wd Due Dole J $346.00 J Oct. 26, 2009 PLEASE MY AT LEAST THIS AMOM 04 SEP CARLISLE SUPER BUFFET CARLISLE PA 08 SEP PADDOCK WINE AND SPIRT WOODBINE MD 12 SEP Chem King Buffet Carlisle PA $16.94 $56.16 $41.50 Went a smarter way to save your money? At Capital One Direct Banking, out a are aline - so we pa the savings on to you with higher interest than most traditional branch banks. And ak our savings options t backed by the security of FDIC insurance. Lear more at cepimionedrect.oom. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LAG ON TO W W W.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 01 00000006000003460107 Account Number. 5291-4921-4554-7176 Due Date New Balance Minimum Payment Amount Enclosed r 1/ 1! 1/ 1 Oct. 26, 2009 J $16,666.32 J $346.00 J PLEASE PAY AT LEAST THIS AMOUNT #9027508998707485# JAMES D MARLIN 5115 GREASON RD CARLISLE, PA 17015-4416 IrNl?rll?llitllll?lll?lll???ll?ll?rlllir?ll?ll?r1?111..1r1,t1111 BE SAFE! Your trash could be an identity Reps gold. Nlanlge your amatirt ittnlN+le and end the paper trail. Sign up at www.rapitalone.com Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 86272-1063 uIIIP?IU"uhl?h?hlPrl??llnll,?ll?r•tll•q•?l!Iltfhl?lyd Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: t. Grab copies of your other credit card or loan statements. z. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-800-955-7070 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. Hai fro AVON a Feenn Chalya. 0,51 1 Paod. You WM haw a mokrum gran pnlW d 2a Urye wNOw hweo a1 9e on new pUnhastl, nVw balarrn wastri tan. Ilwvtpadal purdreees deed raew other deapes g you pay yowtblalTIssa lie ' M aoaordenoswantaelmst Noiseforprymams below. and In onto for it to be Oredaed by Yaw Pass 0 Are deb. There b no pan gaped n son adNede ' and bPedet banters. In sdaon, Owe is no gran Paw) an ay tmasralon If you do not pay the bbl 'Nlaw Bdblln.' b. Aoonag Firm CMrye. TreMaaors whop are not wb)eet to a pan prod we aeenaed awlce charge 1) fromdre dap of to ba sedlon or 2) tram go dale the tawnen Is pneoaaee' b your Aeoolrm or 3) farm gal thata I aydtheamtbMMgpwiod.A d wmy. If you aid not Pay VI0 NOW BO MW front the Pievidw be" period In h^ afar!-singes ow me to aoorm to your upW balance war go rmpa , , . . b paid In Nos. This . WA M that you may 10 watthsrrea antes, awnayoupaytheware ends I kwdbdmpro born dymws%MwAM by M payrrwtme db, bd dW rapt ap eebrto plerlerle nreneN. tkhpald Vrenaoe naryas M idaad b to ap?aoasb sepmem of your A oolvd. c. lMrlaaan Waarfes CIWga. Fa aeon MV prWd thal yOwOWM N sebjld b a rbbnn awgo, a minWw tow F06VCE CHARGE of $0.50 wig be gigraaad. d. Ttlgwwy ReAlagn in Flew loe Charges. We reserve to ought b na asatla any a as menoe Charges brany $W- bmv 2. A NWm pneim" Now Purchases). taredWe dlapa is nWJMftd by MUMPybrp gas daly OeN dow"Prom of your amount (*.I.. Own edvew,. Penase, st eau tender, NO spatial purcnaee) by to 1, so tdh say vtldedic M") gar no been polassly disclosed to you. At ON and of batch s sk" $0 MW g Posted, we appy the dopy pilaf rareforOwn > 0 dybursoowmbtieaybalance of soon sa0llreflC Then a ew deed d ths bWq period. we add up ton!attar offtn dory WwAamo b amw at your pakaM¢rwa or clarge for sorrh wiprrwm. We as up the r*kft twn amh apnwm b new a UW WW Penraae. flearm drege Oryowskeoum. To ged the dally Wiliam for aaon asgawd or your aOCwd, we tar the bagwmng. bMlrioe far saM sells set and ON cry sew tredeasgotl won wN.pM- - scree me" calo rem on the Previous d" 11 - w for gar nprtela. We than subtract any P?Inw?or eaeI posted as of Met ay that am akoWed 16 s?gfrwM. This pare n to sepwab only balance for mobfaf - of your account. However Of you POW Ve - Now BNUW nnvea on your previous sbbnwd In full (or If yaewrwb alwas von awo or • earn Wow), now beeMaB . , WNW VW to yap Pwnw or speoisl pdreasi Opnllrtware not added to gar dally balenrces. We 000*0 gM1 enrage dMW fYarrae by stlanp W the defy belalwes latNin deed dyWwg the rim gar gar rewrafer d to days in to cumart l asking ryds. To or ouisb your total fnawawge, M AM yon evabge AWy, below by to dmW pariad - Mo wed by lw rd~ or drys w to baling pond. Dale mun WS n e da y btlis w do b mktkmrn mnapas dwpa aseaserlMm, Uwe may be a verhnce DNween bon calculation an to amount of mwMe corye ask" wand. Changing Address? 3. Amaral Pentair Mapa Rabe WA). a To b rn'AnmMl ParoaaMgP Rio' may appear as 'APR' onto fern of thM?edasewN. b. It tar ow P (Guaary Preha), L (Cwrbny LIBOR), C (OWlbly CD), or S Maniwad Plan) appal on to from or On elaelrent rand loft p ,r I rm"l gin part,- robe and adraapo Aft ANNUAL PERCENTAGE RATES may wry quw" and may Owease or done@" bast on the ataisd NWIM. U it "In The Was SN" Journal, pan No hMpM FWA Wy *ROOM to you. These aarpn WR be Malthus on Ora pal day of yaw bWV pww devoured by your pwlddb Wbnum n-v th the ON d JONW. APal, Jnay deed Odobw. c.1fto coda DPOW* Pang, F "ant gy UBOR), w G (Treasury UBOR) appears an she fmm d your sawnm asap tithe pwiswe edasp), tha Pediod!a robe apd Cortaeporr N g AN NLIAL PERCENTAGE RATER may very monthy smt may wcrowo or deer based an to weed Nhdw, a bbd in To Wag Bhaat James. Plus the rrotgth p WiOWIY dlac - to YOU. Then degas wql n atatlw n the *0 dryd your babtg PWW asset month, 4. AaewnM . of lab, 00~ arks Raarah O Payrrfeaa Faso.L"WWebmisdyawooMwagle-- we Mb&n the right to wawa or eat to asaesa ay too wahout prior nwbmn to you wI- .vafyktg Ordotbansas the sums or afm m %n a o baweww. 5. kbir 1 4 Fan err Rwtwwft Yaw Moment. if a mwnbwn4 fire oppose an no wows the fee a you regasa to alas your apoorn t aWa 30 ay. d gar me ft of this ebwnwt. You may onrdkate b ran to aa0um dwfp the 30 aypnlat baIAe yaw regtleer. If you a not pay ON otMrpee rasa on this aosbaw rah in it days. or r You use yWroea aW oraaoswa agar you iaWeed to cloee, arty morrOeleM. 1st Maviavaiy waived may ee ra ssoMbyouraccount 5. Ceoesfg a NapwWbg Your Abnum. You MNY nattiest thOfyawadaa'ndoeWbya Naalmagour Cusbmw Re, -,, Dapwfnam.Atthemouedyowrqueet, are won pevl0s you Wh additional I an dnirv your account. This may kwunprymsm Nommsom If you see Your den earn Or OW90 Pdet b yaw Mount efw you ask us to dose your wooum. we am aaap yaw anoran open or reopen It. We may dose or efwperrd yaw aaountand your npu to OMM NOW We may de this at any teha saw for any reason, GM Ban are not in dokmK A suspwWft of your account on be Pamwwm or *"Pbnry. If your account is am*" or OuB wWW, You wed asap Us" your Oslo am and ndalK You must @t o nroer W PNOWw tmd Nang amangemahar to the aosaan. era won not de Visa for you, it VA dose or prtrwemy su ipse s yaw oooouK you must Milo do" as dada cwda deed socoura aota ea dedw. You mat soul pay aR mown you oee n on 11e eocoum, even if they wars CIO after your sodwll is ebbed or starpedr. 7. Mang Paymwda Paytnenis you mall to asp will be creased to your aomfd as orthe barmen dry we resolve It poNbed(1)youredgMbdiwnpnI atom elarrrem ar yon drak th the wolmo relaMalln emalape wed (2} your psy as Is laoelNad in arproaasedrp Oarderay 3Mm ET (12 non PT). Plow sloe at base an (t) baekMtl ate for Posted delivery. PRrtrwnle rasakred by us a any other ba0on or in any cow form may not be Oaeae, writhe day as receive them!. Our besYwes aye we Monthly through Address ........................................................................................... Home Phone Alternate Phone E-mail Address Please prim address or phone number changes above using blue or black Ink. 9. Noises Aboa EleWonb CRraYr sion IN= YYrfen you pbvbe a dhaok r you aarlntl n edlwb w albnfMtlorl born your b mars a oar-iMrM owcuadc hwd 11 we wmyaur Padurtta30 Oacesn tae pay as tl a one it Who we use Information am yawdeosbmNb aisafate hers trafo w, R* may es wMwam your 11 account tl scot r to saresary ors esava Pq'eem, am you Will net reclNS yawaihen eMmk faro IyaorlCOl imlfwn. Yow arthar4mbm is not ay gbdb on On olhea. yap cry esubmt and aced MwMd PW/Mmm. 9. Nnbapby. It you are arMVed to bralanaroqI, pobctlaM for Your som m. sal aflllfNaaa an is for ssomNMwW pfpons. If is not rt aasmpt b soft* , auras or reeover a ate or calm. Do not SWO any pay are erred" to os rwWw speedup with your bfabhqsft? MOM" or the Elankn w Court 0you womb trarle st is aped your reowrtoryourbanoupey, ,pisase have your atonrey contsd w. . tBIWNG RIGHTS SUMMARY pen Case d Emwa or Ottasa Ins about Y Rao If you tltimcyw bMiswenp, orayou was lm0lrlMgOhn s traneaoaorl a hM, wrha b w n a shed now tl pole a YO aWen for+ Rid -f ntaemmortm sisbnfant.VwmW dewfbmyouro thantO.aaYeanw Yre s ent you th e alst "bon nwloon the * ~h dpreM Pp wed. O &wm a lloa g o W CU You adrer k orh* * uab y emtl or eebaN. but d*v fo won nd your dghar. In yourldMr,pouovw faeldg. 'yaw semear account number. to dollar ahrowd d euepeow shaft, a tleaw4tln or ge wrorano ed , a poasMis. of any you basewMwe is so error, er If you r more kowramw, Y dasst4VOrr orte tlrrr you ale -: Youafot have to pay any amount In question while we kwdkpgbGlq It but you we was ObNgod to pry Oe pries of dgtfed dew not In question. V*mo we imw p to your , we Cannot lapse youtl dewlglbm oreass any a"on b the amount you question. '.,. .. t Spded Ruisfar Cede Cam e If you haw a problem with of a swvkrsa war you purchased with a dear atld you have tried in good faith to Wftttthe PO Mtn warfo you may have the right not to pay to ramrs" aiasrat on the popery or serwase. You bare thisgdtraok gm)r Van Pidkln ten was MOM men $50.00 aW to Pwwfasa madM In yes home a" or WNW 100 U" of Mar add"*. Mwe ownor,'i trerneWbnt.orawe you so adwmawasrd forlM popery or . ea pLvoh se m oarfm d fogwaan of arntWn or loauro? d Puchesa.) Pisw nmwMwto sign all correspondence... t pow not "* to bnkea trowu b Capital One supports see our webNlealMB{,?pN,? pan One is a foMO V mgMwod seam s mark or Capbal One Fkelisei CorpdWon. AN rl" ne anedl O 2WS Capital CM Not quite ready to make paymelnts online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to they payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processil • Please don't include any additional correspondence. 0 • Last but not least, be sure to write your 164digit account number on your check. JAMES D KARLIN 200664 5o5 GREASON RD Dote 12759 CARLISLE, PA i7os5.%i6 Use by December 32,2o09 66.7270/2560 p1o59-01 Pay to the orderol JAMES D HARLIN VOID $ C Ptechese [lance For inquiries call 1-800-955-7070 Richmond, VA Memo Dollars Signature no12759HO 1:256072?0P:7502145547176n' lust write a Capital Onea DearJAMFS D HARLIN, ? 1?5 ch?kl You have things to do. And now you have an easy, convenient financial toot to help you get them done-Capital One Purchase Checks. Better yet, they give you access to your existing Capital One account and come with the same rate your pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction feel things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere] you can use a personal check. They're especially handy when credit cards aren't accepted. Use these dutdta with oonndence. You'll never pay a transaction fee when you use these checks for cash or purchases. And, thanks to $O Fraud Liability, you won't pay a cent if your checks fare used Tackle home projects without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself You've got things to do...get them done with these Purchase Checks!'. to a night out Thank you for your time, I, 0% ? Consolidate your bills 1 P. Taylor Jamison Get cash for things you Director of Accounts II want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by December 31, 2009. Want to transfer a balance now? Call 1.800-953-7070 orgo online to Mgrs://bans/er6Nepider?nae oa?sr/ors Please see the reverse for important information about using these checks. 41059 JAMES D KARLIN 545 TREASON RD CARLISLE, PA 170%5.9426 Date Use by December32, 2009 200664 12760 68•7270/256o 4%059-01 Pay to aderOfe VOID s Dollars C"110111 Pendwse 0mck For inquiries call 1-800-955-7070 Richmond. VA Memo n'i2760n' r:2 560 7 2 70 0:7502i45547176na v s 9 m a m O S 0 O T Q S O O n Got questions? We've got answers o X Z 0 o 3 coo O N a M m 0- 1 ' !" S p 1 m m T Z a Z 9 o9 Z O W = ? m C 0 Y ti C kA N m r * m Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if 'any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anything-whethkr you're Q: What APR will apply when I use these checks? A: You will receive the same APR you enjoy on purchases made with your credit card. It's really pretty straightforward. Q. What is the difference between my "credit line" and my "available credit"? A. The credit line is the maximum amount Capital One will shopping for new clothes, enjoying meals out, !or just want to have cash on hand. Another way to use your checks is to consolidate debt from other credit cards and loans (except Capital One accounts). Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. You can even use them at plates that don't accept credit cards. Important information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples Of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or dosed; you have filed for bankruptcy, your card has been reported lost/stolen, our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer.'. All other terras and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will hake fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) Do h t qualify for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of-your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or ma be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or yo r account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your accou it. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. ® 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. m0 N I I O Z1 M ? m m Z M m 9 m? m 9 C > a r 2 -? o m 0 0? m r m 500258 411111111ru too Paying bills takes a lot of time. writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One* balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-800-955-7070- FWANCE PrWIOLM Balance Payments b Credits CHARGE Transactions New Balance MiMmum Payment Due Doe $16,666.32 - $600.00 + $186.75 + $0.00 = $16,253.07 $349.00 Nov. 27, 2009 ? J L J L J? J? J? J? J Oct. 02, 2009 - Nov. 02, 2009 Page 1 of 1 f MKCwd PHilini n Arnaud 1014112114564-71176 1 PMM Your Account IAfanniallen TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $13,746.93 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $13,746.93 r RINIUM ChW9N (Please see reverse far important information) Bslmce rate Penodc Comisponcling FINANCE applied to raw APR CHARGE Purchases $16,513.71 0.03534% 12.9D% $186.75 Cash $O.00 0.06871% D 24.90% $0.00 ?AIN IUAL PONWAGE RATE'applIed Ntls prod: 1220% . J At Yew t woke -Gob b mwmp you wDmi t, a Olt t-000.965-7070 b report a bet a clo6n and 0-r epedc to Cecbmer Relaams Fay OMwe d Was r,?a and your peynere to: =One Bak (IISA), N.A. • P.O. Box 71083 • Cherbtb, NC 28272-1083 $end inOries to: COW Orw P.O. Bm 30285 - Sd Lda City, UT 84130-0285 Have a quesdan about a dwge on your da iinsim t Plesse refer to the Biting Rights Summary on the uncle of your statement or visit www.codtabm.com/dwutes PLEASE PAY AT IFAST THIS AMOUNT $600.00- PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON To wW W.CAPrrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 01 00000006000003490104 W Account Number: 5291-4921-4554-7176 Due Date New Balance Minimum Payment Amount Enclosed `Nov. 27, 2009 $16,253.07 J $349.00 J L J PLEASE PAY AT LEAST THIS AMOUNT 11903070899870748611 JANES D HARLIN 505 GREASON RD CARLISLE, PA 17015-9416 itll--liPihtiil4ll--Intl•iPP-il-Phtihlh--It-I°nfhlll The trees will thank you. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-3063 nlllli-iii-?uhl-irlllPll-?IIn4??ll?i-Ml-ii--?Ihll?1.1u1 Please make rhedcs payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. i. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-800-955-707o and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! M m 1. Her to AUOk a Feen I Clwpa. - a. OWN Perool. You ea how a mnMwm greapaod of 25 Gaya wMmahd *Am* - I - on new PA M O. eW beW11e trerisI rowep"Wpurchom alenew Wherdlal0 tycupayyortdal•Naw8Wna".n aceoenoewohtreiwPat" Modeforpaynwra belie. ee M We ort to baorAdaed by your payment do Oft There e n MM period OR vale Advances aC1PaeW lfanstto M amen, mere is no {pace period on any transaction N you do not pay me total -aleisaNWM" b. AoA"ftWAO CIMW. Trawacedis whlM are not srbled to • grace period Are asaead IMence dherga 1) from rime MIA d the tlaaopm or 2) from the O&M We transaction is ptooeaad to your Accident or 3) sae the mat calendar day of to dims t bwrlt period. Ad08krlNy, N you do not Py the YIar Baormoa' Abrrhte prwlow bent PON In HM, finance dense OWWM ID SDWM to your ugree balance hra to impale balance Is paid in full. This mares ter YOU 11ey anti awe 1lnana ohorga, even t you pay the WON Navy BWrne IndbMed on to front of yaw statement by ale payment dw alb, but mod rho de eta ne pMlara moth. Unpaid mesa charges Are added bale appeaho S@WrO rt d Your ADOMAIL c. Aftian en FYOee. Cleree. For own W&V period that your soccunl Is Subject b A aWloe charge, a menNm "1111 FINANCE CWUtGE d'8D.50 win ce knpceed. d. -tW*o ay Madan M Faeroe ChNOW. We reserve the mart to not man Any or so Nance charges Tor any given 2. M? of Dolt B period. m pndudMt Near PoMha ). F11isee ohrga a alauWed y rtueMykq n"dNy b*Wooo of Soon segment of Your aoownt(a.t.. "0 advance, prebMae. ePWW taloW And *POW purMaeo) by"*,- "1r 4' -doNypuhoea nt*)Vwfurbees previat" disclosed to t Perlo4 wsw+p YOU. dNa* And of each Y pan ,. fee to awes sateeddyoasoowdbt dMybakncideaM eagment lAaat rims ad d tle Mpkut Period. swam W ter reside; of trees idly atatatidis to arntN N your Petaaa &Wm clmAUga for Sam "p.mR. We ow UP the rearms pan each a" sad to A11We N Me NW Paaad fleece ~ W yafr aedAcrt. Teesdale dally belena for aeon aYepent al your accaml, M We ter bepkn" , . I for asM a" , and so any new transactions and ay I -- tnaea gMrpa ealatsed on the previous days belaa orthN eelp"M . wetha N11AAd any pay an or credo pond as of t* day ter Are. Nbaded ID did SWUM The OWN wfM @GPM" daily balance for each tetmgnt of your Moak. Harraar, t you Peril 1111 New Gal mod e110Mm M yotwpMbrw Wft mall In hM (a N Mow now Mesa was Zero or a MM arnount), near tW"Woe, WON Pas to your purMAa aepaWl putMaeseenaro ale not ~ Io the daily bislancas. We eebulNplMAvenip ally balance by addIft Ad to daily badenaeaiaietmer WW_*Adalt ter nun by era mmoa d ter aye in to oumrt ealp doe. To alcuYle your loin fkwm MuIa• nsrllply )row MIAea deny balance by to ay periodic ride and by Vie mallard days In to biUkhg period. Dh11"ro reds" on a ay basis or due to minkrum firearm amape aaamert, tlhere may to a vwee b@WA M this ONeWNIM fed the amount Of finance Marge away Assessed. Changing Address? Address ................ Home Phone 3. A11met Ferewmises:Rela (M•R). A. Te hinn ArInt el Pel0al Mo Rata' may ApPw n "APR" M tla Man dta eyfaahal. b. N the code P (fiwWly ledm). Z (uWMy USORJ C (OMW" CD) or S Manacled Pee) oppose on the Hind dmkeWemeracheattg11101 1'' ta"ltepIMW On and ConopadWy ANNUAL PERt&1TAGE RATES may vary gmsrmwAnd may knI Ord AerAaes batltl M the staled IndOM; tl bad In The WaN SUW JOUm i, plus the me" previously, dmomw"you. Thwe draneo wM bs t11eet11e ale OM day d yaw bent period ooverea by your penedbe&SWIM eekht M ere rnomal11 of January. App, July and October. c. IF the code D ( im" Pfie). F 04or" LIBOR), or G (Tmnm LIBOR) appeae on Ste Ham of your sW«rem real to the periodic rMah?." 0 - ran ern eamspahaq ANNUAL P@ICENTAfy® RATES may very -raw Will may enders or .. . .on the stow . ... . a found In The WAR Street Journal. Issue the MBW pmlawy disclosed to your. The" .0 Nis will be aRON M ter WN dy d your bNwht pembd aid mNtn. 4. Ae NeWOM of late. ONISM wed Relented Pugmenhl Few under to MM dyour M~W 0 . we raen0 to rphl In SeIYe or not to sons ON use waou pilot nalpoatlwh b you wWAPA we" our fgM so to Sam or Nmam laaN a low". 5. MeneerNa Fee ad flalaaletae Yew AOooumL N a mNdoNMb M appeae anew s"errrN, we *M credit the fee N you request to do" your UUW 3D 0"S of the M MM of test SWWMd. You WAY OMMke to aid the aaham dhrlog tha 3D dy pNlod Maw your rerpwt. N you Ac non Pay W charges owed on"* UMAM with in 80 drys, or It you use your wept ak of Mount afar you request to doe, any rwrIM la PeNrklwly eared may be rNfkWed 10 your SOMM 8. Coot or Saspww t Yow Aca sent You may request that your ow" be dosed by GMV -*IN V Or CUMM Relations Department. At to on d yid request, her will provide you wN h aaata ' dMO an doeftV your aboard. This may Include pramrant adon mft . If you use Yodrda I and aafmer- PON to your NOMM art you Ask w b clone your accoal, won can tarp your PcAceM opal or reopen it We may dose or st11perk your aurae aid your "M b obtain dads. we may dotty at any time am or any regon. Ww If you are not In del" A1pMperMson of your MDOWbanbe p VIMMea"mPOWy.NYMWOMNk closed a elep~, you meat stop uWq yoaaedt ad ark aaeaurc You mustAla droll W praedornd bm" ame VWrmft to Me Aooaad. We wM,notdeVia; or you. If won does or PAmenr M nepak Vgwae Kest, YOU 1111111 Main des"tldads Ca - aid abWad gapesanaca. You midsmpyAcwv a youatewonteraeeounL awnI fty were ethalted OW your Account is dosed or SUNMwod 7. VA" Payrr11ra. payments you moil to us will be credited "your aoad a dale Durham dry wemwm It, PIVAM (t) You wk to botan portion Otto s"Wrhal AM yowMeck In this WrNaee erwlloPe ono (2) you payment to re- I In our Proves" oedsyy opm ET (12 note PT). Plese tlow N lees live(B) bulbs days for poem owway. Pry MKM to M l y N N ow dinar Weston or In any dhar form nay not be dedad a of to ay cow yeah a Sen. Our Weasels do" an Monday though Altemate Phone ........................................................................................... E-mail Address ................................... _.......................... _.......................... Please print address or phone number changes above using blue or black ink. 8. Notce Abet E*Wonle Chaok Wthao you povee a dmeCk M yes amelorh:a w OMWIDV"Monl nom Your beraacnotxe M elacta b fund UmMa from your O orb ma PMa go pay ment a a Monk .Winn cow use aside No Stan your As to men eaa fun wamw. how* my bw dapaN f wwwastfla wrMdywPagWe eyn rM.andyov will non me 1- yawal N MMO wekI W4*Aon. Yareuthdtten Is 10 by the Oft an the aurae. yid IM I ---- Aed M- cdleot mumad pay to bee b. o if you a o akae for kafistay pb ffdc r M sle your eaaerlL to h M r for kterrllAanal p rpoaa. It is "(4 an ftNnpttO aeeaa a mheoowr a doMeraWl Oo red sere any dlgNytow haMmoutepaN11hewlInyad Stoney«me " Cant. t)rou wad b w AUOat your account or your babUpliy • posse have your attorney oaaaa w. tBIWNG RIGHTS SUMMARY (mCaadErras aOlNNOaeboat y our SAO if you MtryarbMiswaht.asyou more Information on a uar11eohan or bid. wear Ma ~a soona poeAee N iha Amreae br MgYMa on the Mom of ilk SWOM. We Must heaMeatyoua tern tO Myra OW va set you toWN bid on wMdhder or =n MPPW^d. You can 00 der Cutaer ReotaN ue by sued or wekeM, but dWpao win non . your Aline. In yourlNW, ybeN11101 sNp 'ydwrhanwam adioat I Mr11K. lie dbaratlat M. z aNpeCkifarrora de$W tonaOo y aeda ,If .. of Why you beavsman is an emor. Of d yes maw0 ft now.A aabtktdrh d 1M tan you ate hrrNae You ono till hm to pay any amount in phtMlM wM ewe handit atnt ft. but you W am obtow b pyte pan yaw bill MM M notb qumtion.MAINSwonkw p*yoyour .eat whasport you a cNMqu rd or Weary Sabo tol o~ the Amount you gueatM. t Special for Credo Cud Pub N you two ¦ problem th p ropay or servkae to you purelesed with a W qWy t OrAdt adrd you hall Used M good "Mh to MTW tepuablatnheMh111 you may have me nylt not to pay Me ra11alMq emgme on ms popery or awloas. You have to pnslaatctn ony ~ 1MA lea , price won maw plain SM aid ter. wa trade In your homesW40rwkW Trig miles of yaw aroma. of" ownaop$Wethe.mcimt atwe you the adwaerner e torus propedy a say . a prudes a are covered retWkss d Amount a .. a purcnas.) Pbae re1rlalraSf to aw an oareepakence. t Code not apply to business account Cepol orreuppone m omrlabrh pfte y prdeodon: am our wsWee Nlifilditatits"MOLORM CApsm one is a "tleraNy, ntlslared sh monk or Capital one FkhAAclal Corporation. All Aphis MA 02WS Capikl One Not quite ready to make payn*fents oniinel No problem. Follow these simple stepsl to make sure 0 we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope ccNild delay process • Please don't include any additional correspondence. 0 • Last but not least, be sure to write your 16-digit account number on your check. JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015-9416 Date Use by lanuarygl, 2010 200664 12761 68.7270/256o µi059.01 Pay the y order of JAMES D HARLIN r t+uKlleae Check for inquiries calf 1-800-955-7070 Richmond, VA Memo Signature 11@127610 i:2560727011:7502145547176"' Dollars Just write a Capital OneO Dear JAMES D HARLIN, Clk! You have things to do. And now you have an easy, convenient financial tool to help ruidme you get them done-Capital One Purchase Checks. Better yet, they gi you access to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fo! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cast or purchases And, thanks to $O Fraud Liability, you won't pay a cent if your checks are used Tackle home projects without your authorization. Save time and money. Wy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card and ban someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. You've got things to do...get them done with these Purchase Checks!' Treat yaurself to a night out Consolidate your bills Get cash for things you want and need JAMES D HARLIN 505 GREWN RD CARLISLE, PA 17o15.9416 Pay to the order of 200664 12762 Dare 68.7270/2560 s3>, solo 41059-01 Use by!anury N 6 S Dollars W" For inquiries call 1-800.955-7070 Richmond, VA Memo Purdh w check Signature 012762"' 1:2 560 7 2 70 11:7 50 2 145 54 7 176"e Thank you for your time, ?AJltip! ?"nuw?? _` Yolk tlS? lV/ ?ah P. Taylor Jamison Director of Accounts P.S. You can use Purchase Checks just about anywhere! Please remerlnber to use them by January 31, 2010 Want to transfer a balance now? Call 1400-955-7070'or go online to https://dorrsf er6r Mrrces.aooftione.c?nla ens. Please see the reverse for important information about using these checks. 41059 T m rn a a M m M N O v O O O Z O S N M N n 0 Got questions? We've got answers Q: is there a transaction fee for using the enclosed checks? A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Capital One account. Q: What APR vrR{, apply when I use these checks? A: You will receive the same APR you enjoy on purchases made with your credit card. It's really pretty straightforward. Q. What is the difference'between my "credit line" and my "available credit"? A. The credit line is the maximum amount Capital One will 0 M O = co mo x m o.4 Om M N T 0 Z ; D ? 60 D ? r w Z D 0 2 m m r ?f O Z S (A 0, m r rZ I" allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. Q: What can I use these checks for? A: You can use them for almost anything h?r you're shopping for new clothes, enjoying meals out, or just want to have cash on hand. Another way to use your checks is to consolidate debt from other credit !cards and loans (except Capital One accounts). Q: Where are time checks accepted? A: These checks are accepted wherever you would use your personal checks. You can even use them at places that don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you have filed for bankruptcy, your card has been reported losVstolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer.' All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the track of your periodic statement for more information. 2) Do nbt qualify for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please bej sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or may be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the timea check is processed. 5) will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) Ware) returned unpaid. $0 fraud liability claims are subject to verification and investigation. 0 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. T m a D M M i CD O O O S Z 0 m N 0 0 a m Q m; m O S ~ M¢ o? on T ? D O r• fzq = 1 O C C 0 H y M r a? sooooB ?a,yoweradet7 It could happen to anyone. Make sure you pay the amount iAES D HARUN due on your statement as soon as possible. watrtrtatra. Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES a BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APMWDI FOR LOANS (when you want to buy a home for new car) ® 2009 Capita! One. Capital One is a federaUy regimnd service mark All rights reserved FINANCE PrWAOUB BelarKx Payments b Credits CHARGE Trams New Balm no Minimum Payment Due Doh $16,253.07 - $0.00 + $167.71 + $105.77 = $16,526.55 $720.00 Cec. 26, 2009) J L J L J J L J? J Nov. 03, 2009 - Dec. 01, 2009 Page 1 of 1 ?MnWCard Platinum Aocount ?. 6401.412{.4004.7170 Your Account hdonnation TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $13,473.45 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH 513,473.45 mane ChatrgW (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHAR13E Purchases $16,364.23 0.03534% 12.90% $167.71 Cash $0.00 0.06822% D 24.90% $0.00 ?'AWAJ LL P®tCEN7AGE RATE applied this period: 1280% J jl? At Your Bendae • Go b aaMa ,Opmio maape your emoLmt or Cat 144 a wino to report a bet or dom tend or speak to ontomer ReErlora Pay OaOM it gliffamillimm or mil your pr o int b: ORM One Be* (USA), N.A. • P.O. Box 71083 • Chattle, NC 28212-1083 Send kxpddo to: Capta Ore• P.O. Boa 30205 • Set Lase Ory, UT 84130-0285 Now a gMeBon about a charge on your stgwaara7 Please refer to to Billing Rights summary on the !lack of your statement or visit www.ceoitebka.comid istes PLEASE MY AT LEAST THIS AMOUNT '.. You're behind by one payment. Remember that paying the minimum payment by to due date keeps your account current. So make sure you send in the minimum payment to keep your Boom" current. "Important Notice" Your account was past due. Under the Minn we previa»ly disclosed to you, it your account is past due again in the next 12 bbv cycles, your Annual Percentage Rates 'I (APRs) may increase. 1 12 NOV GIANT FOOD #461 HANOVER PA $23.47 2 27 NOV PAST DUE FEE $39.00 3 27 NOV Chens King Buffet Carble PA $43.30 You were assessed a peel due be because your mn mum payment was not receimi by the due date. To avoid this tee in the future, we recommend that you allow at least 7 business days too your minimum payment to reach Capital One. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 01 000000060000072001,03 Account Number. 5291-4921-45547176 Due Date New Balance Minimum Payment Amount Enclosed D ec. 26, 200 - $16,526.55 J ` $720.00 J J PLEASE PAY AT LEAST THIS AMOUNT !!903360899870748511 JAMES D HARLIN 505 6REASON RD CARLISLE, PA 17015-9416 ,I11l.I11 --1 hlhnllihll11 irrng1111... -111111-111-lpl E?RWRAIM IIiE EASY. Forget the fifing. Manage your account online and simplity your life. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 I I IIIH-IU,-I141ar1i11lnrrllolr,lirl?fflr4?? ihllll?hti Piece make dlecks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 1. Neer 10 A , , a FMaw chow. 6.11 Period. YOU WM have a grwraan pace period of 25 it" I 1Nralrse otegger on hew purchases, new haftm gleresre, was •pMd , pwomm OW new COW-' pee gyWPay Y&WIM'NDWBSWIW,In awdanerMM 00lepoR MNolowfor pay v0 teller. one N Vas for s ft be assts, by your pati -due doe. Thou N no prow Pesos on cash movartion arw ePeoal ThbrrsIMrs. In adnsn, ten e M paw Period on try tWOMM n P YOU do not poly the Wei lira emwm.` b. Agertlaly FWM M Chalpe. TWUMOMM -odd at* not WAJM tool won period m aYweed fawns Maps 1) faro 110 daft are bw"WM a 2) hen mM date the tWODOUM is PMOMMOd to yawAacoYlnt or 3) porn the fM OWWX C* dM owaMl iwnp PWW. AdM WWy, M YOU did not Pay the -MM 8"$W hpmin previous bMV PWW n fur, lsantaM aharpse rmwne to sea" to yaw ulpad beMns Low tee u pad pass" is paw in fw..The MMM VW ybu lnay owe Mena "on. wen M you Pay UW even NWSIMnOe Mated M cur hard or yaw am bygWPeYhI duMdaft.butdid not do W forge PWAau worth. Unped SnarreM charges aft aced a gas epPNWb* aspwsurt a yourAOCOUM. C. WNWA Ma FIIMM ChOO Foreoah bMg peed tiftt your WOWM a subod iDaWWAM , gs, a rnnumm law Fnai CFWKiE of Sam Was to knpi d. TMnperW Y RedUdiN in FMrwM ChWges. We reserve the ream to not plops, any or M Ihraree charges to any OW- Whft pWkxi 2. AverW Mooll OnOMOM MM Painterliness). Frerae Maps is celaKMaa by nn*kg the wed' w. dleastsaiMeofyour account (e.g.. cab aewna, PWMMIM. speall UNOW and lpeao purchase) ay MoMeeponwg daily Perlbdle ew(e) OW ha been PWAOUW dbd*W 10 you: At 90 and Of see day during was MM period. WMapply .gw clay panatela dide for own sapMM a your ODM "te 00 daay War rich sogms t Then 9 the was of 00 bMeg Period, ** add up the mtias of gases aayoao drift to wrive at your prlodle WMOaclrarpe ax*SM*W,M We ON up to mute hon open sepawd b a IV 14 the wid Periodic tlWM~ OW your swarm. Toga the daily baWwa for oath fepnsra Of your amoea, We Was the bill" .., , for each s stmt wo em uw new Nasaeb" an try perlo ` hens ahsa0M oraMl . On in previous days bWroMfor that sapmeM. We awn suwrsot any Paring ds or ass a pouted as of use dry that an alocaad to that UppWra.. The pees are the 8"008 dolly bOMOM for OM h aapnwdd.your swum. NDaMwr, If you Palo the NOW, Brrlaa tft" M your prwbus staMOM In iWl (w k your near bwmm rtes Sao or a crew arroua), rest twmmftm, N" pat to your purchase or specall PuMhOO 00 WIN ores not added a the clay pawlose. We awMMlagw mMP daily bassists, by oddft OR #0 dally wwwolowW wad dera" so Mum by tie maMSr of tie d" in the ouri b0ag oycla. To calculate your U01 WW-sMpR muMpy your wsrapM day baMOS by to dry paodk ate and by to amber of days in the biding period. Der 10 MrWWg on s shy base or der to Mninam fireside " . 0 asee1 , nave may be a "reason bawsn edsoaoaoion and the amourrl of awes Maps acaMy sussed. Changing Address? Address ................ 3. AM M PW*WftP RMa (APR). a. The isrm `AnnuM PotWftP Raw may appear se APR` on to MM dl* NateweM. b. if the Cods P (Ouarewy PMfr). L (Orrery LIBOR), C (OUW"CO),prS(Bm*moPena)ap1 en the haft oltNSstaterm neaps periods WOO).gaspslNdlo on and earsapewAyANM/AL PERL`Ea7AOE RATES may very quarterly am may kraMaes orda, bed M go stated Mom. as to" In The Wall Bast Journal. pan ge me" pngoasiy dMdond to you. Thos otwrgea will be diteatare on dear first day of your bwknp nei omwed br vour eerNNOONIstnld andI In to radMhs of is C. If the COW a or 0 aaaedpa Al AWMJAL PERC04TAGE RATES may wry train" and may kWWU ortlypNMabOW oar gMatstatl mesa. a Mete n TM WM atbl( JCWRK'ow sou mapn p w twy disclosed aYou. Thaw ehougn Will be 01SW aon the lea day Of oktrW"Peed eses aftMh. 4. Aeaaasnr . of tat, Overiewt sou Iiaaswwd.PapaeM Fees. UadaOn WM Of Your awlwW40MMMOK se reserve ge two te wakes or as te slow any rtes wow pow adlwoson a you wow "" our rive a assess to$arm or anew Mots ar a ow In. 8. MarOerthp Foe one )e ssial i YawAeseed. ga merMarwlW lee appeMN ell Mnea'slMlaeM,tao:ar•w Bur tee M yew red I,Seta okmyOLK awaad Wien 3p days d *e rarNkrp cows s1slMtai! Yon mlyoaMeaatbulM gr soma *s" ge 30 day pMMad YMpayraeragnnso. M you do notpayM arWpes a $d M Me MWAW Mt ea a) days. or M you use Yourome ewptsow4mwwym 0 *"to blase, any I as "pep Me pr vas" thaMOd may to mwow dMyouranmrt. 8. Clas es or awporw4 l'ausAepe all You wry rs iosed WW will Form you reept wlstMastea an am" your acooum. Tae may IacAW?payf 0 UONI Man. dyou tin your peat opr ddplarpea podayowawaosMwyouark us to ode your apeduK we am yawaaedrad open or reopM it We rMy own or swpbW yaw saoWM Wed your "In to abWA anat. WM no dolo at ON *ft art foray now, even IF you we not In 01%I LAawpaelM or yaw socmon am be prwrreal ortarepora y. N your account is closed or.suaparwed, you oast cep way your MOM and and sooWnt. You must 860 esrrar M p UbVotpe Mg artagaane b ge swaa4 We W M not do Inis for you. It wed low or psrMnanpy wepsed your aaawrL you neat also wildly ON crew aura aft late I swan -.T- no aft Pay M Waddles you oft as an go deadline t11ay was charged agayour 0=0 Is olds or suspended. crotlMed 7. HWrr0 Payrrwate. PaynWrM you mar M a alp be d your aoooura n a M busknae al' era iMDaNe k: prowlos m you sandgas esMOrs'.0, , dote s ftnmt art ycurCheck it iM arwloasa MWAI neeMkM-1 *W(2) your paywrae a rewired n our pOweaMB"oerasrby awn ET (12 noon PT) PMUM OWN ilea NO (ff) MOkWO days for Pair dabay. Psyrnaas n- II by us at spy other location or in any aghetform may no he orsMed as or to try We Wow nWn. Our busMrae aye aM Monday thri Home Phone ........................................................................................... Alternate Phone .................................................... _..................................... E-mail Address ........................... _......... _..... ............................................. Please print address or phone number changes above using blue or black ink. 8. NOW* Asad Electron ON* COOOMMO. " a yoo provloe a 11" as PWP"OK YOU atemrin are epnerto use iMOm7adon nom your chow to MOW a oroNMe elaC. -I head wow ON Pam in ter 0"1 eoi or to process pie sayrmrs as a o1NM1' When we use Ireornedon hum youahaesanrha aooYOrpa held traveler. frarda may tmzwo m yaw doomh ataouM a coon a to sera sayer must paYnWit, an you Was not nee YOLK Wlaar pectination, your MNDw Mention. Your suBWaMm M not ay e ateon the Olreok. We may rauaMt and doiset returned PWAwft. 9. you Mapaay. ,M youaro arwnsd to paoeaaftM for Yost aoawrd eves ruwrrMmaMn a fd udownagafr pePoeee. it is root an allerrpt to aaseat or MDOVa e date or clam. Do not sours any dwo* to us Barkeep" Court. B you vat N re Aran your accom or your poinauploy .Pease have your staxney 0~ 0. tIlLUNQ Rtf)NTS SUMMARY proCseedEMraorl?lreaMSawdin kq f you wive your bill I wrbug, a M yoms kserreMOru on atWMWWMWMe.WeebwM0 rredmmmn powrMstas al, for ktqukles aaflont dgee You cottaoed owCeswrter owns m or notilly us by ow pe OMMOrlnbMs, but ekrkg at will Mt as Win, your 6". In u. prragM taaywk yaw em ew nMW an?d aauMKnba. ft ater .m salw srmr,a you bsMNeUwve e ve awn, o as womistion, a of me Mm you pra I ou a ad have to pay selyambred n Quotation W d1pWq R but you areew oapsts to POLY th Molter r• 1101 In quaaton. Whm rM W"Mma nlM rove anot report to you a sea ti a take airy the amount you question. t Special Rule law ere" If you lWq a pMblaw as has gMrMy PrrMwvh oreelvoes that you p ANweed was • asst Dave you luaus tried In good irgeaoaMtefiM problem 1 youmay haw tier 60 MI to pey tee Mnwhws ar Propry or solroloaa. You row the praMCY as purest price war mere Was woo am the nna in your 5 horns case orWYah lop mkt asaasa(if we ova a rpaerslaft Newhard, o ou the severMOwrftrd loans property punllwes ere ewi&WngMdMudwrAWor or purchase.) Please mternp ft ages M con"Panderos. . t Dow not apply to business sobourOl Capita Oro supports IMowsww prlva?y protection: sN our wrehaateML Caplo pre ea ?NMraky Mpiew mled service nark of Caper One Fnaewl Corporation. All it" . 02008 C606111 One Not quite ready to make payrnents online? No problem. Folk3w these simple steps to make sure we process your payments smoothly: • Don't staple or paper dip your check to tlhe payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay process, • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. 500258 0 0 o • s?n.+ too tni?? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One® balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-811"55-7070. Previous BMW= Payments S Credits ? Transactions New Bafwwe minimum Parient Due Dtde $16,526.55 - $1,200.00 + $177.78 + $75.00 = $15,579.33 $333.00 Jan. 27, 2010 L J L J L J? J? JL J? J Dec. /02, 2009 - Jan. 02, 2010 Page 1 of 1 MNNICard Plisill Rn ACCOWIt '.i2B14M 40847175 Your Aatxttnt InfornNftlon TOTAL CREDIT LINE $30,000.00 TOTAL AVAILABLE CREDIT $14,420.67 CREDIT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $14,420.67 1 F names Charpea (Please see reverse for important information) Belence rate Periodic CorroapaMing FINANCE applied to rate APR CHARGE Purchases $15,720.30 0.0=4% 12.90% $177.78 Cash $0.00 0.06822% D 24.90% $0.00 t\ MAMIUAL Pt'.A MADE RATE applad this period: 1280% J At Yore Service - Go to Dtteeasaltle?ne aim b mrrpa your mmunt or Cat 1400-9557070 b report a bat or sblen card or speak to Ouebm r RNeons 0 Pay Cabo r or mrl your psynwa W Cepi1al Crr Be* (USA), N.A. -P.O. Bar 71083 - ChrbRe, NC 28272-1083 !sand Or. P.O. 10: Caput Ones P.O. B. 30255 - Set Leloa City, UT 8113D42&i Havea queatton dw d a charpe on yaw ahWnark7 Piatse reler1o the Burg Rights Summary on the back of your statement or visit wwaspitalone.com4ioulas Due Date J an. 27, 201 J $15,579.33 J $333.00 J J PLEASE PAY AT LEAST THIS AMOUNT #9000308998707481# JANES D HARLIN SOS GIRL= RD CARLISLE, PA 17015-4416 Ibll?i?liutlr??t?•Tilt"III,411^?1?11??I??IhPhl?^NI?I11 PLEASE PAY AT IFASf TH5 AMOUNT 'Rene" Notice - See both sides of the first page of tlds statement for important renewal information related to your account. 16 DEC PAYMENT 3 15 DEC LEE A FLINNER DMD GETTYSBURG PA PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MARE YOUR PAYMENT ONLINE. 1 5291492145547176 02 0000000600000333002 Account Number. 5291-4921-4554-7176 New Balance Minimum Payment Amount Enclosed RAK.M.ESS STATEMENTS Stop waiting for the mailman. lrew up to 13 months of statements anytime-online. Sign up at www.rapitalone.oDm Capital One Bank (USA), N.A. P.O. box 71083 Charlotte, NC 28272-1083 IIIIIP-III r-11Id.11.I1p111??llntr?i 1. 111.1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Transferring balances Is easy. Here's how: i. Grab copies of your other credit card or loan statements. z. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-800-955-7070 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. s. Enjoy the time you'll save! 002 02 1. How to Avtld a Fie Chayt. a.GVSW Peed. You Was have • rntnhmum gram period of 2§d", tlrar xil tic urce - pd on few pumas. Mee aeltdaw, nwwpeclst pwahaam and Mw ode" ooeraI I NPsu pyyW W4M NOW Bafaice', In NCWMW aewat de ] 0-10 rl tioube for paymnus befw.Grob#MTarhtobateate' byywrpWmwd due daft Tate is no grey period anomh aMenon and spaclw Mrwlers. In addition. there Is no arm* period on my hwaacom M you do not pry the total b. ADOrAg Fl ence Ch rr(p. Trwacdow which are not sub)sd to a grace period rf asaaseed dnerm charge 1) from to date or eta transaction or 2) from to We the trW"000nNpeoest I byotrAacwmn3)aomare heat SSlerf W day d thin VAMN burp period. AdditiaWly. N you dk not p" that 9dw Bander from the previous Wrappaledin Are *WMohstpes achesbacenwto YOW unpals b"M until 00 Impact' to Part ir, NN. This nwass that you may sal an awlwe cltagres even M you pay Net entire sew BOWM Indicated on the from of yaw Malwra I by the pyment due date, bur did and del m br1M WWAWA mooiat. Upae liana cargo are Gaeta to spp*BbM so~ of your Account. c. IlatotAM Fbom Charge. F«aah DlMtng period that your eo 1 N subject b a finance crape, a minimum total FK%4CE CFAROE d 30.80 well be innpmef. d. TWrVOMY PAdntbn In FYWee, CMfpee We fnemve the ripe b at mina try or all finance c argae for any gaembMap period. 2. Aesraga they batteries Ondisding None Purchases). Famce dWPIs aalariadd by mdlipylnp the dairy . a , of areas no 0 o (your account (e.g., Own adwae, praeaaW SM" t WOW hid dpadM PUMhase) by the eoff*WndMg airy periodic reti(e) that has bean MNIM y dadca0 to you. At the and of each day during the Wlaeg PNM. We apply the fairy periodic rob for each serrOM of yaw amount to the delay balance of each segnwt Than at the act of that Noting period, we as up fie mule of thmsday oakoaesrs to amw w your F M, aeros dfwge fa ash epnm%. We add up the mauft nmr eddy epmm b anive a ter top porlofb pans Mt- 0 for your account. To gel the tlayr balance for each a" NO of your account, urn We the begs ring balance for tmh tairmant anal add any hear as terry PWbge Nunes &AV cdddaad on the pmlous dayb cabanas for $0 segment. We then Nomad am Pay m0 aae11 poet adtMtdayburareamcetes b that adamant Thai gives us 1M spares NOW bateaS for emh egple t of your accent. Hawwr. N you paid the New BI*Am shown on yawvrwl&A share -- In full (« M Yaw new 11Marhus whir wo «a CWK amount), new tWMWA e, *ft* post to Yam WIMh"e or special pwdrmemgbare ace rid add'to the awry baWem. We celestial 00 tee so daily beladee by adding all to dally babrms together and carding the sum by she numoor of the aye in gooerwM Waeg Of. To cwaneb your bow lawrrm dMepr, multiply your Osage day ww m by to day pefbdD NO and by the number of days In the telling pert'. Due to rotwop on a day basis or due to minimum finance creeps seeeee MK there may be a veMae call reaen this c"Ntbn and the amount of finance charge actually sesessed. Changing Address? Address ................ Home Phone Alternate Phone E-mail Address 3. AM"Pwomotayd PAIN (APR). a. The WM'AnMW Please -t ROW May terms-APR- on to front dads Wdmwrt b. If tie Daft P Nk.ary PrMrw), L (Onaaay U90R), C (Csem* Cam, or 6 00*aoo Wane) ahgaMS on the front of this sfatemwM hid baeparid , naMes), the penbdc NOW and adnsppNMng AMMaML PERCENTAGE RATES may wry quarterly and May h , or tea. l sse on the NOW In 1 1. a fond In The WO SbW Journal, plus the raykt prevkrey declined to you. Teat duper w8 be Wisdom on the drat dry of yaw IMpwg period oawad by your OdwnwdwO%inthe months of Jwury. Apat, July and OMabr. c. M the 00 ft D (Alm" POM). F "oaiy UWR), or G rrfeawy USOR) appmre on IM from of yad Wdmwd not to to Wave rad(e)..no periodic, hists, Nina carespmW g ANNUAL PERCENTAGE RATES. may very monthly and may irdream or decrease, Maud a the stated wades, a twnd in The. Waal SNN N Joan, POs IM clwpes ww ce margin PWIot" dMObsaf to you. Thom emedtive an the 3bt day of you bliWq Plwbdetoh mdMh. 4. A M KAMM of L.la, OVWMN are RobwrAd PdylnmarM Fees. Umdwmwtame of your customer agreement, we fawn the right to wee or not to sagas NOW lea waded prior no MbOm to you withMt wwNmg our rigid to mesa fie terns or almost lem at ¦ Ia1M gmw. 5. WAWODM" Fat top Mnwrep Your Account M a nlw btwnp fee aMPOM on tea $Uft wn, we will credit the ale if YOU MWM b dose Your aoaraa wabi 30 days dye mwNwg d the.Ww, wM. Younteirooninue "'U" ao=W damp the 30 dey peed before yoripmM. M you do not pay ON Maps Mesa on the account wan in W days. «M you etas YOLK won and or accord SOW you legoest to ckwe. any ntentear" tea previously WAs may ace wmtsw 1o Ywr wxalnt. 8. CeaeB or Suspwdthg Your Aredun. You may request that your account be Wee by calling or w hang our CustorterR"m DapaMwM, At the bra of yourrequest, we will Provide you wept omw4" deatals am closing MR account The may include payment aeomaloon. M you use your "0 Dare Or*h ges phi b Your aooeram goal YOU nk m to aNm yaw swo om. we can Map your mown open or =W IL We may, dose Or suspect your acaum and your right to coaw area. we may de has w any beta Oro fd any reason, own M you are not In d~. A suspension of your aadun can bin pees tenant or Whom". If your =wig Is else or auspeae. you must stop sing your credit pal and aacowm. You must also aural oil W*Wftftod tilling affwOWf wde to the ODOM". We will not a the for you. It we test or permanently suspend Your "count, you met 8100 destroy ON MO Cara ea account acorns drake. You rote[ sill lay NO amounts you ours a on the WNW, even N they WIND {ego aeryour account is Clow or Viopwwod 7. Maang Peymaate. Payments you mail bus Will be credal' to your eaaotnd a or go business day we meow it wow kW (1) You sod gal bottom portion of VON eatemeOr and your deck In tie enclosed emMance wwektpeand (2) Your Payment N =MvOd in OW WOO=" West by 3PM ET (12 noon PT). Please taw at Nest ails (5) wslnem Sys for postal delivery. Peymesb received by e at any other loaylon n In any der form nay not us MedNed m d the day we reuses alwn. Our business days at Monday through Please print address or phone number changes above using blue or black ink. 8. MbINe Motel EMMronb Clemk WMnywpfovlfeaahtsses pdwwrades epMrb free aMarMntrtimr trees ydw to tiwke a aetwe eNdnaecdrolnrMvanmryeur ONWA*Or to ;= tin pay her a 0aMOh Who we use kfamatlal8cmyour M l aes eemnmacW lrehalar, be fray be ~ your deposit r soar m tie ewha day w No" Payment. and you win not recom your aheelr leads New 1Mtencal wtuw on.YwrauMaitwasNnoh bynredebonthe deck. We may resubmit sal f wus collect returned pri g. BeMrcpdy. M you are exMpsdb pmNctloa for your sabount. sus WnapeltN C ity Idr aaOmmlouWal purposes. It Is not an aNeapl IQ saes- «aowar s dad «eWm, Do not saro dausty to e % OA spewmv with your ornay or a* BwNCNpey Court. n you is Gb ustalsoulyour a cc*WoryotwbwAniplay leas have your amwtvy contact s. tBIWNG RIGHTS SUMMARY On Coe of Emoa «Geesae abaM V r BIM) M you then yogi WI N Wrap, «N you more amMnrYOOt on s baaaatbn.«twl, wrmbus ono wrest wacona pseN at tie addrem f« wgales a odtAltmdct d the stawv wm. YW rrwat haw 0emt you te.. 1aH18D days emv win can youtle Met bin on whm Me or FOMM.appowed. You can ca our Cuatortw NeieN to or salary us by smell or wausds. but ddag m win rout z your ". In your ewer, gin a tin foe : yourhrele and so=" wmbw, ties donw - .. d Suspected via, a doom"wof eane,ad an ;Npaaa ,, of why you {saws there is an for, or if YOU mleo Noma rka, a deeageon of ter burn you of wNtae . You a not have b pay NOW amount In city N'lllewe a lnvmtf0adp it but you we at8 oblg@M to pay Be pate Of bWthdace not in question. W We we Ima(pae you , we oemd none you a delinquent or two wry Waal to thin amount you question. if Special Rule for Cn'It Curd It you have a puree m wsh Ere = -.I the you rwmllae wan • owdM Dan you paw taNhb oanecltht prdMwnwMria You right not to pay the rennatMp wlwrrO do# an the sankas. You ham tits Prduoaen onty when the Wes more 8m 116o.0G ad1M ptadl sse mate fies"INK hone alga orwNlmn 100ebs dyoW mom adtlMt own Of operate g0 nNeduart or 11 we invited afreNeaant for the pasp ey or , all Cry a Idea dNd in good may have ter property or purchase Price in your gf the the Purchases are covered damersMneceson rogwdNas of purchase.) Please rensimlWb apt Ml correspondence, '.. t Does rid apply to bslmes accounts Caplet law suppoa Information Privacy protection: me our webeM ctMMAN"aartunifig Capital age 1118 NDMay ieillmhwed sMV a mwk d Capital Ons Financial Corponttlon. AM rids reserved 10 2006 Cereal one Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper dip your check to thej payment slip. • Be sure to use the payment envelope that game with your 0 statement. Using a different envelope could delay processi • Please don't include any additional correspondence. 0 • Last but not least, be sure to write your 164git account number on your check. JAMES D HARLIN 200664 505 GREASON RD CARUSLE, PA i7ot5-9416 Dare 12765 Use by March 32, 2010 68.7270/2560 41059.02 Pay to the VOID order of JAMES D HARLIN S Dollars C" Nandrose Chad orw For inquiries w!f 1-800.955-7070 Richmond, VA Memo Signature Na12765N¦ i:25607270P:7502145547i76Ne just write a Capital One (1) Dear JAMES D HARLIN, ?.¦ Ch k! You have things to do. And now you have an easy, convenient fnanci l tool to help ec r j (+?. • you get them done-Capital One Purchase Checks. Better yet, they you access give to your existing Capital One account and come with the same rate you pay for One simple solution for the purchases made with your credit card. Plus, there's no transaction fed! things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you can use a personal check. They're especially handy when credit cards aren't accepted. Use these checks aft confidence. You'll never pay a transaction fee when you use these checks for cash, or purchases. , And, thanks to $O Fraud Liability, you won't pay a cent if your checks Ore used 'facMe home projects without your authorization. Save time and money. 1;11y a gift for that Use your Purchase Checks to transfer higher-interest rate credit card and loan someone special balances. That way you could have fewer bills to pay each month. Plus, you could pay less interest. Treat yourself You've got things to do...get them done with these Purchase Checks! to a night out Thank you for your time, Consolidate your bills P. Taylor Jamison Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by March 31, 2010. Want to transfer a balance now? Call 14W-955-7070 Or go online to hfgrsr//bst fttnaes.coplobne acne/s , Piease see the reverse for important information about using these chicks. 41059 JAMES D HARUN 6REASON RD 200664 127" 505 CARLISLE, PA 17015.9426 Date 68-7270/256o Use byMarch31, 2010 41059-01 Poy the order r of V ® Dollars Ca?- Pordlase Cltsch Richmond, VA For inquiries call 1-800-955-7070 Memo Signature Na12766ea 42560727011:75021L S547176Na T O i r rn m M m M O T O M O raA S O 0 0 O 9 O rn Z mo S -4 < ! Ma of Om T ? D 9 60 r a M 20 N Z -i m m r ?O O! 2 N C 0 M r FZ M Got questions? We've got answers Q: Is there a transaction fee for using the enclosed checks? Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Capital One account. Q: What APR will apply when I use these checks? A: You will receive the same APR you enjoy on purchases made with your credit card. It's really pretty straightforward. Q. What is the difference between my "credit line" and my "available credit"? A. The credit line is the maximum amount Capital One will allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. Q: What can I use these checks for? A: You can use them for almost anything-whethor you're shopping for new clothes, enjoying meals out, or just want to have cash on hand. Another way to use your checks is to consolidate debt from other credit cards and loans (except Capital One accounts). Q: Where are these checks accepted? A: These checks are accepted wherever you would luse your personal checks. You can even use them at placles that don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you hove filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; however, when you use a Purchase Check, you will have fewer rights to dispute merchant transactions than you have for purchases you make with your card. Please review the Billing Rights Summary on the back of your periodic statement for more information. 2) Do not qualify for reward programs. 3) Are subject to your credit availability on the day Capital One processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May not be processed or maybe processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time 0 check is processed. 5) Will be returned unpaid and you may be assessed a returned check fee if the credit is unavailable or you account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. B) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. $0 fraud liability claims are subject to verification and investigation. ® 2009 Capital One. Capital One is a federally registered service mark. All rights reserved ° m a0 I a W o M 8 O 9 M M m x p ?" m am 9 m D ; 9 60 a ?m z° ? z ?m M C cc Ch m r rti m 200725 JA MES D HARLIN lant inform on about y gr account (JU 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. 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 aH 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/financia[education 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. C -;;z 0 2010 Capita! One. Capita! One it a fedffAffy reghwred tendre mark. AU rigku re erved. 5003" Account alerts sent to your cal phone or email ... keep you in the know. Page 1 of 1 14O?9S5-71170 \ www.eapkalone.wm Jan. 03 - Feb. 02, 2010 31 Days in Billing Cycle LATE PAMM yW AM: M we do not meaft your nimmum pay by your due date, ASTUrAIRID /LATMILIM 7fX10t•X)DO(•7i 76 You may have to pay a $39.00 We fee and your APRs may be mcniesun! up to the Penalty M APR of 29.40%. NEW MiANCE MMNMUM PAYMENT DUE DATE $15,147.51 $319.00 Feb 27, 2010 KUM PAYAT LW Tne AMOUNT Credit limit: $30,000.00 Cash Credit Limit $15,000.00 Available Credit: $14,852.49 Available Credit for Cash: f 14,852.49 ? J Previous Balance Pwrients and Credits Fees and Mitered atitged $15,57933 - $600.00 t $168.18 + TRANSACTIONS PA11MENTS, COUNTS JF ADAJSTMENTS FOR JAMES D HARLIN #17176 1 18 JAN PAYMENT (5600,00) FEES ToW Fees This Period $0.00 Total Fees This Year $0.00 INTEREST CHARGED INTEREST CH4RGE:PUKR4SES $168.18 Total Interest This Period $168.18 Total Interest This Year $345.96 Grow your savage fester onNne with our Inwraft s Onh ne Savings account. Earn high interest plus a grarkrly basis - and get to seprity of FDIC insurance and no fees. Learn more today at www.capitalcrtedrect.0on/rnteresous. a++yc? Due Date Feb 27, 2010 Transactions New Balance $0.00 $15,147.51 J Bti,S easy to set up your account ales: First "Log In" to Online Banking. Next, sign up by: 1. Clicking "Messaging and Alerts" 2. Clicking "Set Alerts' 3. Choosing the free alerts you'd like to receive Your carrier may charge a fee for each text message alert you receive. INTEREST CHARGE CALCULATION Your Annual PwonMaya Rate WRIT is the annual Interest raw off your account. Type of Bateau Am" Penaintaya Balance subject to hrrtaett Charge Raft (W Interest Rate Purchases 12.90% $15,351.73 $168.18 Cash 24.90%D s0.00 + $0.00 J PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. . 1 5291492145547176 02 00000006000003190010 Account Number: 5291-4921-45547176 NOW Bdmm Minimum Payment Amount Enclosed $15,147.51 $319.00 JL JL J'` J PLEASE PAYAT LEAST THIS AMOUNT JAMES D MARLIN SDS GREASON RD CARLISLE, PA 17015-1416 -11-111 if Gwm N FACT± Wo-shk 1 tree can be saved for every 13 people that go paperless. IN" Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 nIllh?rlL??nhl?LrhlNll??Ihl4??Ihl?II1?lI??HI?11lI?hLl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. L C _;x WWW.CaPitalDne.com Get free account alerts sent to your cell phone or e-mail, including; 1. Payments - know when your payment has posted 2. Transaction amounts - know when purchases above your specified amount post 3. Foreign transactions - know when purchases are made outside the U.S. Your carrier may diarge a fee for each text message alert you receive. ® 2010 Capita! One. Capital One is a federally ngirrenad smuce m p*. All mushier rrtrnxd Now can I avoid peybq boldow T Each month you pry your 'Now Balance' in full, You vases have a rranwRah Webb period of 25 days with no interest dagp on ail new, 1) puanpoes, 2) balance tir-13) apedal Purdrres add 4) other dww if you have bean eoa 10 with no 2 be diverges applied and you do not pay your mad bill in hA IN to dMrpM was be aeesaed. There is no grace period on cash advances, special tranfars, or on any nowtransaction when there b an unpaid balance from a previous big. How Is %,a InIaMalLijailial appled? interest chic accrue from the 1) dap of the transaction, 2) deals the t amoeebbn is processed or 3) first colander dry of this being period. Interest dhags soma on assay unpaid amour until It is paid In fug. Kilt macro you may o ee ingest chor" seen R you Pay the entire 'New OWnce• one ebndh, but did mat do so for the Previous mss It - Impose' - I dlargp ere added so tho proper segnant of your Account ftorraae we Mason the right to not abbess ntan'ae charges at any two. for each Yes. A minimum WTVI ST 04ARM of 50.50 will D aeaw MONO 6 6YYnppatad pu amount is subliect tom Inla n charge. ltpior Mtl le u?? 1 There ere saearei calculations that we used to deMrmlaaypss dismiss. 1. To ON your D* WMte: For each segment, l) take the' 9' 1 1 t0 m1 aa4 ftW in nowlnraecpaaard the pwiodic kdo- dharge on the previouwabyi llalseast 2) 1141Madarypayments and oedia for that eegmern a of that day. The me* is to 0* baiar ofar each segaen. However, If you paid yaw previous month's befahte in fug (w If yammelersaewas we or a crw I ammi nl rawer reside m which Pon to your ourtfhate or WNW ptrdislo sep11se114 are not suited to the daily balances. Aso, transactions pat too U408 d g as Otroe period are not added to to daily, balances. 2. To find tow- spa tJeyWamc 1)a"the daily balaws"Ww ad 2) divide the sun by the mire!, of*0in 0*bOt side. 3.lotirnate yourToW Irdaest charge; l)mumlply tom aa+ped*bdaoaby dw daily pariodlc rasa and 2) nmAb y t e radt by dw numbw of dos in **bM hp Period. MM Duna sounding or a mkdrnurn kit~ charge, this calculation coo very from the interest Charlie actually aeawad. How can mY variable OM change? Yom APR may increase or daorNN bow an wnl of suMn kdkst reported in The WON Sum Journal. To find wlskhkdwr Is wood for your aotesnt. Wit for a code (P, I. C, S, D or P) on the front of the amom mneep ttelkl Than doasdc the table beloar 71Md°M'ppt Pow (? WAM WOO win robe am based en WfiWY anal ell ftessaftige Rain P Qwupty Pdpa+ MOW P-MMIYOKbW to you The fired day at the QUM% LIBOR aril Previously displeased to you riding PanOdb that C f2urglayr CD+ moon gMbpdy dto', ,byes and in,lamesry, April. S 6ageheer'Rna+ margin aokiualY dladOW 10 YOU July and October. O hereto Prkn + margin pnMSaly 11 ' bb 1 to you TM rest day of each F ldareltlyt"+ margin PWAMMY Oldond so you mwdey aging G TMWAY LSM mrpln loside rNy diecloeed to you paiad. AN Mare addliliallattalia aMOdoWd with myamunt7 Yak under certain dreumstances, YOU may bo aeseneda Later Resumed Paynrwnt FW. You nay Yes be unind ovenimitfur if you hew show to aaapt*am. We reserve the right to not aura fees without prior notice and without somig ow right to aura a si ularair later: How con I OLUMAMM? You may dose your account by calling or writing ow Customer Reieibm Wpamnem. At tin erne, we vdN Provide additiaul detain Including payment information. If you use your credit sod or charges port to your amount after you ask us to doe It, we can am Yaw account open. ataosthppens if my ? We may dose or su epard your aunt and your right to obtain codnat any time and for cry noon, men if you ere not in default. Acmunt suspension cwh be Winn mart or temporary. t your amount is dosed or suspended you must 1) step using your credn card and account 2) Centel all automatic pays ens, 3) destroy all credit cads and amps clacks. and 4) pay all amounts you owe us, even if they were charged afar the account wes closed or suspadW. How des I MokiLMOMW Palmans you mail to us will be credited to your s count a of the bLainos day vas naahw it a king a: 1) you send the bottom portion of this statement and your t I I in the enclosed rem merge envelops, and 2) your payment's races wd in one of our pmooaing canters by 5pm local dine. Reese allow at bast (7) business days for maH delivery. 002 02 MaRld PwPvw s rowntl by us at arty other location or in any other form may not be credited a of the day wr receive then. Do you Preoaes Paper /hoods as an n you provide a dock as Wyman, you o ut amis us and our opens either to U1e k'nfMlbbRDn yawdnad to m is a ~ime electronic had tradfer from your deposit access w tothe par as t a s dud tromachon. When we use' ufonnnatbnn from yaw cloedt I& tr asp 4WCOOnic fund vandw, furls may be wMWnkvnt from your dope* tOCwmt a edam as thesww dywe reoeiw you Pynunt and you was not retain you clad back from1keMel kale ttttbn. Your aus orsatlon Is not limned by the date on the died. we may and ekrctromcany Comm the inured paynants. What R I file for MWMlM(t If you are o Bled to bwdoupary pro phi commwdwftn Is for eomrtlon oft it is not an ateapt to Cogeu, alaea a naovw a debt w claim. Do not sad us paymahs without sp sa ft wind yarn opmyw the bankruptcy own. if you w your a onM would We to coahtoet Oar damn servitor directly. PMM Owned: capital One • FO bass 65167 • pdwnond, VA {9 ¦LLM INCiM tHJ &VW (Does fact Apply to Small Musionst Who To Da M You Think You Find A MWAke On Yom stagnant: you a" them is an error on your swerrion, vent to us at: Capitol One P.O. Box 302115 San take City, UT 641300M In your laps, on us the following irdonnaton: • Account information: Your mama and account number. • Dogs amount lhe dolor amount of the suspected error. DBION W of Pmblamc it you thick there Is an error on your bill, aria you bet Is appear ad an yyyou lalovt is a m You must contact act aftwtM error appeared an your statement. You muss ue ratty us of soy potoniei in milk g. You may ceU usw retry usby wdbeito, but if you do wtaare not roquered to' cry lowtial anon and you my have to Pry der -amount in portion. what we fir vdatlar or not there has been an snot, the following are sue: • Was C~ try as adlid the anourd in ghaesion, or report you as t on that amount. 'YOU do not naafi to pay ay disputed a1110dnte and reload knerest?or fees until we send you a ratios about do outcome of our hveNg tem. • The deep In question my tarts, on yarsabaess, and we my Onto to durye you Merest on fhaamournt dirt,11 NrdetarmaYe Chet we mode a mbala you sop not have to pay fen amowd In quastbn w cry interred w o*w %n related to the nt. • Whlo you do not have to Pay the amount in question, you are rvqx for the remainder of your balance. • we can apply any unpaid amount against you axs& Imm. Your R40M R You A. OlsMhfled With Your Credit Caen Purchases. If you aredleratisfied with ten goods or se viers that you have purdha of with your credit card. and you love triad in good faith tocorrect the proble w ah to end wit you nmy hose right mat topy the r4milanifili The purchases t hadue ve n, been the nude as Purchase. To use this rgbt, all of the following must be true: 1. Your tame stay or whW Ice "Go of your current MINIV addsou, and the puadnae Rice must hoe been more dun (Note: Neither of these was Moneayt you purchase was based on an ads tw-mwm wo to you, or R we own the company that soil you to goads or swvdces) 2. You mint hew you auk card for the Purdwo RrduNs made with can advances from an ATM w a dad that amasses your cracks card amount do not quelify. 3. You men not yet haw paid for the pwdhae. If all of the crnela above au trot and you one still dissatisfied with the hat, contact us in writing at '.. capital one Po. Box 30285 Salt lake ft, LIT 114130-02115 While wo several", she same rule apply to the disputed abut as dwAnd above. After we finish our krwoggaton, we will tell you ow decision. At that Point. IR we mink you owe an amount and you do not pay was may report you n dekrswent. Capitol one supports imorn anion privacy, protection: wo our webds www.captoobne.com Capital One b a federally registered service mark of Capitol One knardd Corporation. AN rights reserved O 2010 Capital One 7c-011 oiriq to Changing Address? Address ......................................................... _................................ .... ...................................................................................... Home Phone ........................................................................................... 0 Alternate Phone ........................................................................................... E-mail Address ............................... _.................................................... _.... Please prim address or phone number dt>rlges 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 game with your statement. Using a different envelope could delay processh • Please don't include any additional correspondence. • Last but not least, be sure to write your 16}digit account number on your check. L_ 500006 ww"esInymwwwkt7 It could happen to anyone. Make sure you pay the amount JAMES D HARLIN due on your statement as soon as possible. Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) RDAIED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 0 2009 Capital One. Capital One is a frderaUy registered server mark. All rights reserved. i Page t of 2 14OMS•7070 , ' wwwxal kwone.com Feb. 03 - Mar. 02, 2010 28 pays in Bill % Cycle ? J ... ' h Penod. you W ea ova R pay mareinkeat est . fa atmple: n and ndk kw takeubW lppPra D MAC PlATNBBM X10IX-1000(•XXIO(-7176 a Amwnf i II T No A b P bumead NEW BALANCE MINIMUM PAYMENT DUE DATE AdAWWOM"AmMaile Odom Y" Cost $15,397.70 $662.00 Mar 27, 2010 Minimum Pwr ent 32 Yvan 531,342.94 IF you -A IN* in -NdOn ab&A Cade mha¦elhh9 services, al 1.8063268055. PLFASE PAY AT (FAST TINS AMOUNT LATE PAYMENT WALMM-. 8 vie do not hwdve your mmm m1 payment by yea due dale, Credit Limit: $30,000.00 Cash Credit limit $15,000.Do You may hire to P1Y a f39.001ah fee and your APBs may be hncrealed up to the Pendty APR of 29.40%. Available Credit: $14,602.30 ? Available Credit for Cash: 514,602.30 J Previous Balance Paymeflts and Credits Fees and Interest Charged Transactions New Balance $15,147.51 - $0.00 t $189.94 •f• $60.25 a $15,397.70 J r , / 1 YouYe behind by one paymerrL RememW that paying the minimum payment by the due dace keeps vow amount current so make sure you send in #* mimmun Payment to keep your acme t current ¦ e As previously disclosed, your Promotional rat will egire at the end of you April Imp i S Avaftble • being cycle. As a reminder, orris ft mnotemai rat expires, tine rat that will apply b ew 6 e Trxakr and Puclum balwm will be a veriaMe Just pick u p the phone. rate arse to 17.9%. For am information on how wxialk rates are calculated, pease see the bad of your staiement. (TRANSACTIONS PAYMENTS, CREDITS a ADMISTMENTS FOR LIMES D HARLIN #17176 TRANSACTIONS FOR JAMES D HARLIN 87176 1 14 FEB Chem ring BufetCadisePA $35.88 2 24 FEB WINFIELD UQUORSWESTMINSTERMD $24.37 ? Total Transactions This Period $60.25 Transactions continue on page 2 ? Due Date Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. ? J INTEREST CHARGE CALCULATION You Armed Percentage Rate (APR) is the annual khtrest rate of you amount. Type of Balance Amwei Partentege BalanceSubject to Intro et Chary, Rate OiPR) Interest Rate Purchases 12.90% $15,253.58 $150.94 Cash 24.90% D 50.00 $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAFnTALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 02 00000006000006620013 r ?r Mar 27, 2010 Account Number. 5291-4921-4554-7176 New Balance Minimum Paymem Amount Endosod r $15,397.70 r $662.00 PLEASE PAYAT LEAST THIS AMOUNT JAMES D HARLIN -105 GREASON RD CARLISLE, PA 17015-4416 LIf•1.1.rIIIrIIHhhnhhll^1?11rd•r114?11h1h111ril?rl Take advantsge. Take contmi. Manage your account online at www.Cayltaloinexoin • Make payments • Review account information Manage your account in privacy Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 u111P?111??nII1-1P1111111-11111r•11?1?111-11-r11111111-1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Hylg Faeh naMh you py yew 'tour aelarnce• lo fiAi, h fan pried ol2S dept witll no i?t dutpe on aq new t) eeM a 1mNhrb 3)epaWl prdam ad N otlw dorgat. tf you haw Men d M fug vdsh m Mterest charges applNd and you do not pyyow reed bgl rest diequ Ida ba armed. Tiara s no pmde period an cash cedar as, special transient, or on any row transaction when barn is an unpaid balance fran a previous bill. News the Wassisal2mift appWSdT haw" charges accrue from the 1) date of the tnnwctlon, iji?d?fhe tr meadem is txoemed or 3) first calendar dry of the bUig period. IMenat cosgaa aaeus on awayupeld amount and Is is paid in full. This moans you may ova reran dwgr wan M yew ply the entke'Ner gagaha" om mash, but des rot do so or the PrWWA month, Uryold ktmrettdterges err added to the proper sagment of your Account. /owewr, nq naaw tl1e right te mC astm aneraal charge atay time. tloysu arewa ggilllN Yes. A n4mmum INTBd3T OMR3g of $0.50 will be anesmd fear b? IngI pushed your account a uA*a to an interest dwge. Has did you?gp? r Thee am sweral aladatloro that one used to do termW yaw foeat "mos. dterga. 1. TO got War DW!Narita: For each regnant, l) tale tie ballumh belena and add F new transactions and tat perlodic No charge on the prrrious dsyt balance. 2) SWWM any poymm;anel cracks ter that segment as M that dry. TM nAM b thedahy baWhte lot each segrrna However, 0 you pad yaw previous month's bdarnoe in full (err It year Mena was a sm or a auk amount) new transactions which post to your purchase or spechil Kwdww segma+s an not added to the dally balances. Also trarweNOns thit era 5LMIW to A groat period am not aided to the daily bulnces 2. To fad your Awanga Duty lialwar: 1)add the daiybolorms; together and 2) divide the sum by the number of *pln Ow bWng kyle. 3.8mmmyeurlatallmonet Charge: t) muldpy you avenge daily balance by tha dally periodic ram and 2) mul ipy the .A by the number of days r the babrg period. NM* Due to founding or a minhnum interest charge, shs aku4tbn may varyfrom tat kmmR &AMe ackiW meted. sow an my varlsss agigiaLftlig"gatfilifig (ltpb clusew? Yaw APR may wKnae or dossame bred on ova of fawn gow" adios reported M The Well Send Journal. To find which indata used for your account, look for a code (P, 4 C, S, D or F) on the from of this staament nw to the AW#). Than creak the table below: nmta yaw AnnIW lowcou a Rah (K) bider which your robs am bawd an When your Aimed porteM1111ge Rate wM cheap p Owviody ft. * margin WrAouay dwdaW to you The Rat day of to L Owebry LIBOR . maps PWMU ly disclosed to you Wft F- Unit C Quarterly CD • margin prNaoy 11 ao1 lo you end In Jewry, Ape. 5 Banhowd prim • margin WwAOwy disclosed to you July and OcaWr. D MorhMly Prra+ margin previously disclosed to you The first day of each F Montlhy LOOR « m ron pendovey al.oI to you m Wft Mang G TftmAy LIBOR a nwrgin previously disclosed to you period. An then M"gaguaig Mood OW with my account? Yes, under certain arcur/atences, you may be anaads Law or Matured Payment I" You may ado be charged overhimet fees If pam4aW by law. We reserve f right to not Mast foes without prior notice and without wtlveg our right to mm a similar Us Later How an I UNLilibijigaillif? You may dose yaw account by ailing or writing our Customer Relations Oepiruram: At Mat am, we will povks addi domi detail including psy mt k4on ation. if you war your audit card or changes port to your amount after you ask to to does it, war an keep your aunt open. ~ happem if nsy ? we may dare or setpend your account and your right to oblem auk at any time and for any reason, even if you we not in data*. Aocown Nalperamn urn be pen nonent or temporary. If yaw account a dosed or suspended you muel, t) stop wing your audit card and aceourm, 2) caned as m om me paymems, 3) dMboy all crack cards bad access clacks, and 4) pay as amounts you owe w, a um if they wen dhaped nor the account was dosed or suspended. How do I UdKMMMW Peyrmms you mat to w will be credited to yaw account a of the bwkoa day we nosh It es long a: 1) you sand the bottom portion of this stMenont aid yaw dank in the amused n nlaorae ennlops, and 2) yaw payment is rearvad in em of our processing centers by Spm local time. Pane allow at West (?) business days for melt doWery. MW W peymxlls noshed by us at any other baton or in any other form my not be credited a of the day we recom them. Do you Ismaa Papwr Ciadr as an you provide a dodkar payment, you autlodse w and err aperw eltlw m real lrh}OnriWan ya,r dNak to mks t omtro etecbemcfird bardferfrmm Wur dapoelt aooonamtonm tat chock paymemaa transaction. When we useittonnatian train yaw cock to Na dace M fund mash, badsmay be wWmbwio from yaw deposh sawwk as sthe elan dry we nevi your peprhwyt and you well that rocdveyow clsMc back Rem tkwnccW Institution. Yaw aMamatall a. not lunhad by the date on thedteflL We may and Id ctrorkaly clan the returned payments. ,this yNtet N I tBe fee M gash are erttltkd m barbsgtxy pro anwtwdatios161a William W4keni it b net an Nuampt m arm or noova a debt or dean. Do not pnd w pollutant witdsd sB us10 teeth yaw attorney or to Be *Wft Cow". if you eryour MlvnrywesAd lib lo coMad our drum sen ar daactyi, psw oandaa: Capital Om • Po Obr/sta • wdnnond, VA 167 NUNN MOn'a At NOW PM Not As* to Snag lmawP ) ~ To Do If You Yhh* You Fad A Msaba On Your Sacerant:i if you thank there a an w w an your st twnwlt, wrM to w at: Caput Orr P.O. I= 302as Salt Lose Clty, UT 54130-02a5 In yaw {pat, ghe w tat following infomotion: • Account Wolnabrn: Your near and sccoumt number. • Dollar an OUM: The dollar arrant of the suspected error. • Oncri learn M Ft*Man s: H you think Men is an saw on your big. whatyou bedew is yaw4 Low) wft Low btlWve k a a mbanot. row Inhat eontect w W days after the error appeared on your italarsent. You must notify us of any poor in wrkkg. You may call w w notfy w by wehelo, but t you do we we not repWred toany pow" aeon and you my have to pay the amount r gwston. WhRe we whather or not than has been on ewer. the Morning are true: We afoot by to calla" do amouns in queston, or report you a t on the amount -You do not bad to pop cry disputed am ums and rested Inonic or face until we send you a mks about the outcome of our Investigation . • The drape in gwWOn may remain on yaw etmmerr4 and we?antinue to charge you imamat an tot amokrt. But, N we deamrim the we made a you will nothaw te p7 tat amaze t in question or any us~ or other tees mated 10 eat • VYme you do not haw to pay the amount In question, you an responsible for the remainder Of yaw blocs. • vn ram apply any would annum apakat yaw credit kmit. Your myna N You Are 06"~ With Your Cmdk Call . I Wu are distaOld with the goods orsaMca that you hoe purchased with gar creek ,and you hwe tried hr good falM to correct the problem with it* merchant, you myhe a right not to pay the ro mpnng rmount due an the purchae. To the the riglht, erg of the must be taw: 1. The prchm mat hew been made In your berm aaw or whhin t woes of yaw current mww*aft and the. Wardoae War mat have ban man than .(Note: MMUO of then eve necessary if your prdtm was bad on an a Nsabow enure to you, or it we own the company tot OW you *4 goods or esrvoa.) 2. You moat halm your credit card for tat prNm. Purcha u nm&vAth coil advance fmm m ATM w acoek that akxesses yaw vaBt and account do not quality. 3. You must nor yet haw paid for ths purchase. M A of f Whom above m stmt and you are Will dismushd wish the purchase, contact us in .ming at Capltai one P.O. am 3OM Sell take Cley, UT $4130-0285 While we m""dgao, the arm rules apply to the disputed amen[ a dtrcwed above. After we finish our krnstfpaton, we will of you our diction. At the 4 H win Mink you owe an armhet and you do not pay we may report you a dolapwnt. Capital Om suppers mlonnotio n privacy protection: m our wobsite at wmo.a ptalo-cons Capital One is a fdaoBy, regktered service teak of Caput Oml Corporation. All right rmrved O 2010 Capitol One TC-08 03MI/lo Changing Address? Address ........................... _.............................................................. ........................................................................................... Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail Address._ .................................... _.................................................. Please print address or phone nwnber changes above using blue or black Ink. Not quite ready to make payments online; No problem. Follow these simple steps,to make sure we process your payments smoothly: • Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope tha? came with your statement. Using a different envelope co?lid delay process • Please don't include any additional corre7 pondence. • last but not least, be sure to write your 1l6-digit account number on your check. rg? Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capkalom.com Page 2 of 2 1400.855-7070 ' www.caphabne.com MASTEfiCAflD KATO M 1DOOt-)O=-roM-7176 NEW WANCE MINIMUM PAYMENT DUE DATE $1 SM7.70 $662.00 MW 27, 2010 Previous Balance Payments and Credits Fees and Interest Charged $15,147.51 - $0.00 + $189.94 + ,TRANSACTIONS CONTINUED FEES 1 27 FEB PAST DUE FEE $39.00 Total Fees This Period $39.00 Total Fees This Year $39.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $150,94 Total interest This Period $150.94 Total Interest This Year $496.90 You were assessed a past due lee bemuse your mimmun payment was not received by the due daft. To avoid to fee in the fan, we rewarmend that you allow at least 7 business days for your minimum payment to reach Capital One. Feb. 03 - Mar. 02, 2010 28 Days in WjN Cyde J Credit limit $30,000.00 Available Credit $14,602.30 Cash Credit Limit $15,000.00 Available Credit for Cash: $14,602.30 J Trmrsaclions NM Balance $60.25 a $15,397.70 J ` J L. 500346 L Get extra peace of mind with Credidnform P e er For just $8.99 per month, you can: • Rest easy knowing your credit report is being monitored and you'll be notified of certain changes to your credit score. • Receive Quarterly Credit Updates with a detailed summary of certain changes to your credit report. • Access online resources to help you understand how your decisions may affect your credit rating. croft Call 1-866-226-3745 or visit t8r? myctrdkinform.M:om for details. Page 1 of 2 14"5.7470 ' www.eapkelone.COm Mar. 03 - Apr. 02, 2010 31 Days in Ming Cycle ? J . ... M MIMUIM PAYMF'MT UM M: R you male Only the mki um paymerit each penod, You D PtJ1TRiMIMA !coot-)door-poa-7n6 Will pry mare in interest and it Will take you iongu to pay' df your 6a a. For eurnple: P4Vftwt W PWWN ND Approrimae. Tion w Pay Ole Esti,nalk NEW BALANCE MINIMUM PAYMENT DUE DATE AdatbrWChew AntMade statMrntlwance Total Cost $14,797.06 $312.00 Apr 27, 2010 Minimum Paymera 32 Yes $36,360.0 $534.21 3 Yean $19,231.46 KOM PAY AT LEAST THIS ANmanr Your aatlnueW swing I you PRY ON the balance in 3 years $17,129.43 Credit limit $30.000.00 Cash Credit Limit $15,000.00 R Yea wmd 0se information about credit wumeiing services, call 1.1116-326-0055. Available Credit: $15,202.94 Available Credit for Cash: $15,000.00 LATE PAYMENT WAMrarG: d we do not eoaive your minimum peyrr" by your due date ? J you mry hme to pay a $39-00 late Nee and your APRs may be inceaeb up to the Penalty APR of 29.40%. Poirnanift and Credits $15,397.70 - $830.00 ?? J ? J Fees and Mbepat Charged + $164.46 + As previously disclosed, yea P-otlonal rate will expire at the end of your April billing cycle. As a reminder, once this prwwdwW sate wipires, the rate the will apply to new and endstting Balance Transfer and Purchase balances will be a variable rate currenfly equal to 17.9%. For more information on how variable rates are calculated, please see the bark of you statement. TRANSACTIONS -? PAYMENTS, CREDITS a ADJUSTMENTS FOR JAMES D MARLIN #7176 1 05 MAR PAYMENT ($330.00) 2 14 MAR PAYMENT ($500.00) TRANSACTIONS FOR JAMES D HARLIN #7176 1 01 APR SHEETZ OW01"O ANOVERPA $12.98 2 01 APR PADDOCK WINE AND SPIRtWOODBINEMD $28.61 3 01 APR WINFIELD UQUORSWESTMINSTERMD $23.31 ? Total Transactions This Period $64.90 FEES Taal Fees This Period $0.00 Total Fees This Year S39.00 Transactions continue on page 2 Duo Days M + M&MANha" IW%VNW Credit cards are only pare of the equation. Transactions New Balance $64.90 0 514,797.06 Learn about all the ways we can serve your needs at Capitalone.com 300010 INTEREST CHARM C4CULATM Y- Ammd PergMage PAU (APR) is the annual interest rate on your account. Stdaj Type of 9elant0e ? (APR) a Bakince Interest Rage IMenst am" Purchases 12.90% $15,012.03 $164.46 Cash 24.90%D $0.00 $0.00 J PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 02 000000050000031200i8 Apr 27, 2010 J Account Number: 5291-4921-45547176 New 8alars0e Mh dmLem Payment Amount Endue $14,797.06 , $312.00 1 PLEASE PAYAT LEAST THIS AMOUNT JARES D MARLIN 505 GREASON RD CARLISLE, PA 17015-4416 •?rL•Lilnl?r?LUlrhi,?Il?rlhr4l?I?uhIilPlPrll?yhrllll BE SAFE! Your trash cmW be an idendly thief's Amin gold. MWAW y0U1°Kwunt 0wkw and end the paper trail. Sign up at www.capitalone.com f 7t, Capital One Bank (USA), N.A. P.O. Box 71063 , Charlotte, NC 26272-1063 11I11P-116rn1hl?irhlNil?r111111 I?1?111?4-.I161111-1111 , J l , Please nuke checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envek". 3 Ways to protect yourself from online scams ... 1) Don't reply to emails or click on links that ask you to verify personal account information. We'll never ask you to do that, 2) Contact the company that is seeking your information to verify it is a legitimate request. 3) Check your bank and credit card statements for unauthorized charges. Get extra peace of mind with Creditlnform Premier at 1-866-226-3745 or myereditinform.com ® 2010 Capiwl One. Capin! One is a fedemUj n gisr service ma k. AU highs nserned Cieditinlorm Premier, provided by Intersections, is not affiliated with Capital One and Capital One does no provide, endorse, nor guarantee and is not liable for any product or service shovm here. By responding to this offer, you may be communicating information about yourself to the company that provides this product-4or example, that you are a Capital One customer. lbw can 1 atrM 1 RMhg eT Each month you pay your"slaw Balance- in full, YouvA haw a pacwpwbd of 25 days with m interest charge on aN rew 1) pwdwm a)bolethce trarrlars, 3) special p tc hses and 4) other charges if you have been pw#V yaw account In full with no Montt charge appYW and you do not pay your next bar in full, pow Mteneet dory" will be awns . There Is no gram period on cash advances, special transfer; or on any new trensectgn when there is an unpakd balance from a pre ous bas. Mew is go MMLQUM applied? Interest charges accrue from the 1) dew of the tr+madim, 2) do* 1ho bareaeton is processed or 3) fink calendar day of the billing period. Interest charges acame on emy upaM amount unto it is paid in hull. This moans you may owe you pay the entka 9sawWonW one month, but did not do so for the pevble mono. Upekl intent dhrps. are added to the proper segment of yaw Account. However, we Few" the 40M to not awe han charges at ay toe. DO You amene I'I?youChoice? r account Y 6 ssub)act to an interest dww aof f0.50 will he Imposed for Have din you eta tfd reset Chanset There an seseral calculations that am used to dg%"t M You tlebt Oftetdugl. t. To g" vow body Balance: For each segment, 1) tea the bpimaho bale" and add m new transactions ale the periodic Mtemt charge on the previous days balance. 2) Subtract any payments and aedits for that so menI as of that day . The result is the daily balance for each segment. ikmrmr, N you paid your previous month's balance In full (or N your baWroe was are or a creek ampntl new transactions whldn port to your purchase or special purchase segmens are not added to the dally balances. Ids, transactions that am subject to a gram pwbd am not added to the delay balances. 2. To find Ave Dally Belmnm: Dodd Me dally baienc?a together and 2) divide the son by the number of clap in the EiMng cycle. 3. Estimate your ToW Interest Charge: 1) -*h* yew amarp, daily balance by the decoy parodic rev and 2) multiply the result by the number of drys M the bINMg period. NOR Due to rounding or a minimum interest charge, leis calculation may vary from the interest charge acusaly asseosd. HOW con my vetiable (APB change? Yom APR may mcmase or doc om bend on one of even standard irWrces reported in The Woo Sack journal. To find which Mdax houed for ypw.aneunt, look fora code (P, 4 C, 5, par F) on inerrant of this statement neat to the A#ftl Tien deck the table below Your Arahtrt Maiatttep RM (MR) *Mkx whloh yaw rates We bad an When your Annual Pareateo? Rine Willi changes P QMAW1Y Prime+ map" pevbsely disclosed to you The fink day of we L Quetry LIBOR * wM gi n pevesualy di"lead to you blaV parade wet C Qustety CID + melgin WWOUsly ditobed to you and in Jamy, April, 5 F ," -, prime + meryIn pevloualy disdad to you Juy WA Water. o kkNOif Prkre+ margin prmicusly dbeloaatl to you The Mk day of each F MMMy LOO magln W-k u oy cbedmad to you motley b"ng G Tre"LleOR+ magm pnhiously discoed to you pulad. Letter ?Ue with my amowt? Yes, under m uin circumstances, YW y ou may by bap. We resew the Pernan t Fee. You may also be charged overNmdt fall if dolt to not mom fees without prior notice ad without "al"oe ow riplnt o auaos a sMhaar lase lair. How can 1(c ? You may dose your account by calling or writing our Customer Relations Department. At tut time, we will provide ackildonsl details including payment information. N you use yaw credit cord or charges port to vow account after you ask us to dose it, we can keep your account open. What happens N my aColoollooLlE 7 We may dose or suspend vow account and your right to obtain vent at any time and or any mason, wen N you in not in detult. Account swpan . can be permanent or temporary . If yaw account is closed ar suspended you mum 1) stop using your cradh card and account, 2) Cahcat all automatic paym a s, 3) destroy all credit cards and access checks, and 4) pay all amounts you owe us, even if they were deryd other the account was dosed w superdnd. Mow do I ? Payments you mail to us will be credited to your account s of the business day mar receive it as lag as: 1) you send the bottom portion of this statement and Your check in to enclosed nnhntance amalope, and 2) your payment is ncNvad M one of our processing canton by rpm kKai doe. Fleas allow at West (7) business days for mall delivi y. 002 02 aaaaed pynnw received by us at any other location or in any odwr twm may not s of the we ncalve them. . Do You proem Paper Checks es an ?? iner, You pnmide a deck a payment, you author4a us and am agora aiN We w uw rmeri"aten from your deck to make r ons-tkre alecvark Aed tnnsfw fromyom deport a+0a1F110r te the payment a a dwrZ trawction. When we use Inonnsdon from yowdwdt to 40 an alaarom: fund tnhda, funds nay be wtldnwn from your deposit aowmt a too as to sate dry we ngalveyourpaymemandyouwlNnot active yomelwit beds 4rsn financial Institution. Yaw+utlgrNetlpn is n" Nutted by the date on the coeds. We may and alectrwnicafly collect am returned pwwm Whet M 1 floe fwallialoolooloil(t If you are entitled to communication b fur Willem Nlon only, k a rat ah ateenier a debt wMtow spooidrig m"or the e+nkruptry Cout N You oryow aaomaywould qrs clakns sanicer tAig dkK*, please carnet Capital One - PO Box 85167 • NWHO MGM SUeMi M (Does Not Apply to Small Business Ao") What To Do t You Think You Fled A Mistake On Your St~rmrt M you think then is an error on your statement, writ to us at: Colonel one P.O. Box 30265 San Late City, UT $41300265 to your 1atM, givt us the foilowhq kdamlatlan: • Account infomwtion: Yaw name and account number. • collar amount The dollar amount of the suspected error. • Opoipten of problem: if you think then is on anon on your bill, dideate Mat you beNae is wrong and why you beep" it is a mntalce. t oahtecap afar error appeared an your statement. You must M;7= ry MAX ndd wdtkg. Youthenhry me us or no" us by webgt, but N you do we an not tgWrrd' any Potential awn and you may have to pay the amout m question. Whits waeNer or not there hasbeen an emcr, the folbwirg are true: • We cannot tryo c 11 , fn amowt In qundon, or reportyou a ron fMt amount. -You do not need to pay any disputed amount and retard remain: choill"t or fm u dl we send you a notice about the ouao ms of our Immitip tion. • The chorp in a Wr"won mat I old wo on yaw Ptaenat4 ad wentMus t dwge You inor at am on ttheam ount. out, W NwasWtenmhke tut we made a you wcq not haw to pay tin amour M question cr any mie ve w olherfm ntleft to that • White you do not have to pay the amount in question, you an n Bible for the remainder of Vow balance. • Was can apply any unpaid amount against you credit Icon. Yow Wpbs IF You Are DI"agared With Your PCA d If you are diwtstid wit h the goods w anvims wet you have pureeye"m a%M rd, ad you hove tried in grad faith m cornet the problem whin the mnhcu sy have night not o pay the rerteMirg amount due on tin pmdnmTo use , all of the must be tow: 1. The p rche t must ham been made in you home sane or within 100 man of yaw curent malls g a III -, and the purehm prom must have been mow thou . (Nm: Neither of dose an necessary w you pasture was based on an adsrieptnsnt we to you, or it was own the company that sled you the goods orWMM.) 2. You must hero van edit card for the purohse. Pashas mdawiM mash advanote from an ATM w a deck that accesses your credit card accoum do not gse6fy. 3. You must not yet haw fu paid or the purchase. If all of the crheria above an met ad you at etas dissatidied with the rch se, contact us in writ" at capital one P.O. cox awes salt Labe City, M $4130-0t05 Mile, we imwttipahe, to same rules apply to the disputed amount as discussed above. After weDmsh am Mvwwpawan, we will too you am deamen. At that pint If we think you owe an amount and you do rot pay we may report you as delinquent. capital one supports Inometbn prwy protection: see om vwbdt at wwwr.captabmw.spm Caput one is a te.:My'ragitterd coral. mdc of Capned Or* Nnrttlal Corporation. NI rights reserved O 2010 CapiW One TC-08 03MI110 Changing Address? Address ........................................................................................... ............................................ _................................ ............. Home Phone ....................................... _....................................... _......... Alternate Phone ........................................................................................... E-mail Address ........................... _............ _................................................ Plan print address or phone number changes above using blue or black ink. Not quite ready to make payrnents online? No problem. Follow these simple steps to make sure we process your payments smoothly. • Don't staple or paper dip your dick to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processir • Please don't include any additional correspondence. • last but not least, be sure to write your t 61 digit account number on your check. Take Control with Online Statements Managing your aaatnt Wine is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at www.capitabne.com QW ft? Page 2 of 2 148&ws.7070 www.capkalm.com PWq AA XXXX-1000(-XXXX-7176 NEW BALANCE NNNRMOM PArIMENT DUE DATE $14,797.06 $312.00 Apr 27, 2010 \ J \ Previous Balance Payamb and credits Fees and Interest Charged $15,397.70 - $830.00 + $164.46 ? J \ J \ J + TRANSACTIONS CONTINUED INTEREST CKARGAD INTEREST CKARGETURCHASES $164.46 Total Interest This Mind $164.46 Total Interest This Year $661.36 1 / J \ \ Mar. 03 - Apr. 02, 2010 31 bays in 00iM Cyde J Credit limit: $30,000,00 Available Credit $15,202.94 Cash Credit Limit $15,000.00 AvadaMe Credit for Cash: $15,000.00 J Ttar?sactions r I"w Balance 1 $64.90 c \ l l ? $14,797.06 \ J l 500959 Q ? O • Spread too thin' Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One" balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-800-955-7070. Page 1 of 3 149MS.7to70 www.capftaione.com Apr. 03 - May. 02, 2010 30 pays in $JkV Cycle J ? . I MINIMUM PAYMENT WARNING: If you mala only the mininum porent each penod, you KATlNIMM KXXX-X100(-)OOD(-7176 wa PlY move InireeMS and It will take you longer to payoff your balanca. For &Ar*. Pyaam Amaxa Eaob Ponied K NO Appwrdma n Timalo F " Estimaeed NEW MiANCE MINIMUM PAVIMENT DUE DATE Additional chNgesAmmob uaeanntblaroe ' Tow Cost $15,105.33 $.376.00 May 27, 2010 kthni"w" Fayrrant 32 Mean 13704382 - 1545.31 3 Yeas $19,632.11 PLEASE PAY AT LEAST THIS AMOUNT your eal6naead aaWnp 0 you pay off this balance in 3 yeas: 117,411.71 Credit Unlit: $30,000.00 Cash Credit Limit $15,000.00 ff you would Nor: information about credit mumeling seniors, Call 1.M.326-8055. AvaBaae Credit $14,894.67 Available Credit for Cash: $14,894.67 LATE PAYMENT WARNNNO: R we do not momw your minimum nt by yourdue date, J YOU MAY have to Pay a$N.00 Lee fee and your APRs may uP to the Penalty APR of 29.40%. Prelim Balance Paymenfis and Ciredlits $14,797.06 - $400,00 l Fees and Interest Charged Transactions t $225.03 + $483.24 c As previously disclosed, Your promotional rate has expired. As a reminder, the rate that now dies to new ad axis" Purchase & Balance Transfer balances is a variable rate currently equal to 17.9%. This rate is also disclosed in the "herest Otago Cakuheiar" section of this statement. For more information on how variable rates are caouieted, please see the back of your statement. PAYMENTS, CREDITS & ADJUSTMENTS FOR JAMES D MARLIN #7176 1 26 APR PAYMENT (S400.00) TRANSACTIONS FOR JAMES D HAR NN #r7176 1 Oi APR RUTTERS FARM STRE Q97YORKPA $13.48 2 03 APR MONRO MUFFLER OW02501 CARUSLEPA $469.76 ? Total Transactions This Period $483.24 FEES Total Fees This Period $0.00 Total Fees This Year $39.00 Transactions continue on page 2 .9- V, Due Date Account Number, 5291-4921-4554-7176 New Balance Minimum Payment Amowt Enclosed 615,105.33 i ` $376.00 PLEASE PAY AT LEAST THISAMOUNT PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.r APITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 02 0000000400000376002 May 27, 2010 J JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015-4416 d1llNllllydillrn?tpll.nlNhNlNlihl?hd??4r°nuyh 1 / Niew Balance $15,105.33 JJ Image Card® ... letting YOU shoy through. e kyn? - T a? e Carol e e Create your own personal rrasterpieoer Just visit caDitakme.comftnumecird. INTEREST CHARGE CALCULATION Your Amoral Percentage Roth (APR) is the amhual merest ra a on your account. Pwm sm*d Type of Balrloe Raft (APR) e Balance Int~ Rate to neat Charge Annew Purchases 17.90%D $15,295.98 $225.03 Cash 24.90%D $0.00 $0.00 J GO PAPS LESS! The trees will thank you. Sign up at www.capitalone.com 400010 Capital One Bank (USA), N.A- P•0• Box 71063 Charlotte, NC 26272-1063 IIIIIII-IH.-I1111.11.1111116.1111 IhIrIIh1Ir?IIiMIHi?In1 Please make checks payable to Capital One Book (USA), NA. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: 1. Grab copies of your other credit card or loan statements. 2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 14600-955-7070 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! stow eAn I a :paydru0 7 Each month you pay your 'Now Balance' in full, yautw8lrre • nlornuun gmm period of 25 days with no incest charge on ale new 1) nashases, 2) bsNsspe menhir , 3) Wsdd purdmse and rgothw dtepas. N you haw scan prosp yourecose rn f W wiCS rro kllwat chargp..sppBad and you do not pay your non bill n furl, promead YMerent charges w18 s a -Tires nib gna PwW on cash advances, special transfers, or on any new transaction when there Is An unpaid balano, from a previous bal. Now Is the +er? naelia n inonst changes accrue from the 1) data of the erauOdiorh, 2) dfaa dm tmtaactlon is processed or 3) fast alerdar day of the bNWp period. Interest design aaytte on away updd amount wed it is paid in full. This means you may owe imm m charges M an M you pry the WRIM "him Balance' one month, but did not do so for the Prenbus month. U i sid into designers added ro the prepen sagment of your Account. tlowever, we moves Vo right to not ass elteren changes at ary tons. 0 a me?faaa Yes. A Mail ssn INTOOT CHAA3E of f0.5o will paod your aCtbunt s subject to an ohterest charge. How dM you - 7 Then o sewn! calculations that are Load to detanieis your voll bsatst charge. 1. To Bayou Dilly Balance: For "c h segment, 1) face the 10"M r o belanow old old in row traaapon and the periodic interest charge on the lianas dye boors. Seapaet any pMnand and cue I for that segment o of thet Wy. The rault Is the d* balance for each segment. However, N you pod your previous month's W4nee in full (or N yaw IyoFOetaa wee yes or a auk amount} new mee netlem vfikh post to your punhaae or spsdd purdleaeaslpnarm are not added to ow daily bWnca. Also, transact! m dive ere euyat to a grey Pnrod aw nbl added to the daffy bW XW 2. To foil You brw 0 Daly gmkftB: 1) Odd the dally bdanae togahe and 2) d lds the sum by the number of any; in dare b&V cycle. 3. Neotata Vow TbW hammer OwW. 1) muMply your average dally I nanme by't he daily pwI " rat and 2) muNgly the molt by the number of days in the baling perNOTE Due to mwsdnp or a minimum inarwt eherge, this calculation may vary, from the unions deep acnm8y snood. How an my variable (APW dsangn? You APR may owrsoe or decor hawed On one 41 sewn dandatd radices mPorsd n The Well Most /aumd. To find Baidr Maine Led for your somrmt, look fora code (P, L, C, S, D or F) on the from of this nanahent nod to the ARM Then check der table below Cofthostablinser ANNA Paco Raft W" alder wMCll your rains an baled on VAN Vow Annual Pannonia Rata will chop p DwdMY Prlme+ mwgin previously disclosed to you The &*day of the L Ouer" LIBOR • margin previously diskeed to you bison persda to C Dlwlelty «ro * margin previously dominant to you and in Jamory, Apra, S gwbo n!Pnme+ margin Previously disclosed b you July ail tkoMr, D Mwdhy Priam+mwginpmasslydscoeadoyou The fast day of each F Monthly LIBOR • mom prokeolydodeaed to you o biting G Treasury LBOR t nwgin pnwicsydscoed to you. = period . You Mov . ??Wsh rrry account? Yak under carton wounesnas, Am a W permitted! bylaw. We above the ' Payment Fee. You may also be charged overNmn fun N right to not assen to without waiving our right to aasase a similar fur later. pot notice and without Now an 1 ? You may does you accuum by walling or writing our customer Furores Deparms rat At that time, we Will provide adt8tonal dstas YWuding psyrmm mfor stun. N you was your colic rand or chapn post to your account after you ask us to does it, we an keep yaw account open.To avoid paying any aplkA * membership fees, tail to do your account prior to the end of the cycle in which it Is scheduled to be billed. What t began to osmF"aedk at om? We may don or suspend your account and any Oft and for any reason, asset N you ae not in defauh. Account suspension can be pemtamn or temporary. If your account is closed or suspended you must 1) sop us" yaw credit and and account 2) cancel all automatic payments, 3) destroy All credit cads and Koss clsdu, and a) pay all amount you owe us, even N they were dwood after the account wan closed or suspended. How do I ? Payments you mail to us will be cmd1ted to yowaccount as of the busirss dy was hA lice k a op as: 1) you send the bosom pordon of this statement and your crack in the antlmeed an"t me envelope, and 2) your payment is received In one of our proceoing amens by Spm local firm. Please allow at lot (7) business days or mail delivery. 002 02 Mailed payn om raoeiwed by us at any other location or in any other form may not be credited as of the dy we naive them. Do you finessed, Purger Cheda as an Funds When you Provide a a PF^WM you aunwrto us acl ow agents atther to use Ink"Aden her" yaw pod: to maim ofwHm w Nocba is fund transfer from your deposit acoouniorto Pro- the payment as a check transaction. When we use Ydormahm from yow dock to make an ,news k fund hander, furls may be willubsom from your deposit account a as the same day see reseiw you Pepmnt and you wai not make you deck bade hom fwdrlm knehutlon. Your asbterlodgn Is nask sera) by the dap on the check. We may bmIt and electronically collect the retuned payments. What N 1 file for N. you era entitled to bankruptcy protection, llgt cwmtnwftotwn s for Bon ordy, it is not an attempt ro civllldc? man or reamer a debt Be claim. knar Do not sand u U pr Your a yNtlwu ould p curls your tout. M you or your atmmy souk hen ro anal our service directly, plow eentaet: Capital one • PO Boa sa1H • Rldanand, VA 321631Q MLLMB MOMS SU60A MY (Does Not Apply to Small Buamne Actomis) What To Do N You Thank You Find A MWake on Your Samrrmnt:l N you think there is an error on your statement, verbs to us at Capital one P.O. an 30285 Satt Lain City, UT 841304216 In your less, stave us the followkp udownatlon: '.. Account klnan dbm: Your name and account numbs. ',. polm : The dollar amount of the suspected arm, N you abate there is an error on your bill, rase what you believe is hMailg andwhyYbvbeBfssN ba minake. You rout comer a wtddnt 4046" aster theencr appeared on yo r etetemmnt. You must notify us of any potemW amore in wri m You my ale or nobly us enctronially, but if you do we o not required to investigate ashy potential arrors: you may have to pay the anwun in question. VA& we loam MMher or not then has bean an error, We an tree: • We cannot try to abed the amount in quods or region you M. on that amount • The drape in grsesdon may, remain on your stnsrrsnt, and we my these to change you ems interest on that arrresgrt. But, N ors dwWhiole thet we nuW a . you wIN not hew to pay Mae* the amount in question or any interest or other fees rented to that unit. 'Whole you do not haw to pay the amount in question until was semi u a notice about the outcome of our lnvesdgation, you are resiteMide for the remainder your balance. • we an apply any unpaid amount agaost Vow credit limit. Your Rights N YOU An Doafadfad With Your Crwdit Card N you are doatrdied wdh the goods ate services that you have purcheeed with yaw credit ; and you have tried in good lash to correct the poanepu with the ntendhant you may hew right not to pay the MM-*p amount due on the prrdhre. To use this rght, all of the must be true: 1. The purchee, t hew bean nettle in you home sub or w" 1 mltee of your anarant .41 oldraa, and the purchase Price must have been room dun peon: Neither of these are necessary N you putiuss was band on an adwnommrt we o you, or N we own the company that sold you Ow Voris or services.) 2. You must haw yourced cad for the Purchase. haduses made with rash schemes from an ATM or acsdc that accesses you ce0s rand awoun do not quality. 3. You rout not yes haver gam is the purchases. If all of that cswlaabow are met and you an site desafirl" with the rchass, contact us in wrifirve at ,I. Capital one P.O. On 30285 sae Ldm city, Ur $4130-0285 While vase kNedJpam, the same rune apply to the dhpusd amount ass,bow. After we finish our nwadgadon, we"mn you ow dwbion. At that point N ww colic you over an amountail imu cio rot pywe may upon you n delinquent. COW One supports information privacy promction she ourtaabiite www.aPltalpnw.am capital One is a fedaney reposed service mark of Capital one Fimrnei Corporation. All rights reserved O 2010 Cap" One TC-0B 0'5001/10 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 paymnts online? No problem. Follow these simple steps tmake sure we process your payments smoothly! • Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different en-lope could delay processir • Please don't include any additional correspondence. • Last but not least, be sure to write your 16: digit account number on your check. Take Control with Online Statements Managing your amunt cane is any: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalwle.com G r Page 2 of 3 1-11O.IIW7070 r W W WXApk8i0111,COM Apr. 03 - May. 02, 2010 30 bays in 8Wing Cyde MASD ILAT r 100tX-7000(-1000(-7176 Credit Umit $30,000.00 NEW RALANCE MINIMUM PAYMENT DUE DATE Aval" Credit: $14,894.67 Cash Credit tarot $15,000.00 $15,105.33 $376.00 May 27, 2010 J ? Available Credit for Cash: $14,894.67 J previous Balance Payments and Credits Fees and Interest Charged Transactions Now salam $14,797.06 - $400.00 J / \ + $225.03 \ t $483.24 c $15,105.33 J r`TRANSACflONS CONTINUED J r J INTEREST CHARGED INTEREST CHARGE:PURCHASES $225.03 Total Interest This Period $225.03 Total Interest This Year $886.39 Please now that in your neMy revised Customer Agreement, issued in early 2010, the Arbitration Agreement has been removed. JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015-9416 200735 to 12761 Use by Ju/,31, 2010 68-727012560 41059-01 Pay to the V order of JAMES D HARLIN Dollars Purchase Check For inquiries cad 1-800-955-7070 Richmond, VA Memo Signature n112761#1 t:25607270it:7502L45547i761I' Just write a Capital On e® Dear JAMES D HARLIN, e ! You have things to do. And now you have an easy, convenient financial tool to help you get them d C i l O R one- ap ta ne Purchase Checks. Better yet, they give you ac€ess tq your existing Capital One account and come with the same rate you pay for purchases orac le with your One simple solution for the credit card. Plus, there's rto transaction fee! things you want to d0... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you cane use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. You'll never pay a transaction fee when you use these checks for cash or purchases. Tackle home projects And, thanks to $0 Fraud Liabifity, you won't pay a cent if your checks are used without your authorization. Save time and money. Buy a gift for that Use your Purchase Checks to transfer higher-interest rate credit card and loan (balances. someone special That way you could have fewer bills to pay each month. Plus, you could nay less interest. Treat yourself You've got things to do...go them done with these Purchase Checks! to a night out Thank you for your time, Consolidate your bills P. Taylor Jamison L""r Get cash for things you Director of Accounts want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by July 31, 2010. Want to transfer a balance now? Call 1-800-955-7079 or go online to htto:l/traa iancn gg#Aione coenlo . Please see the reverse for important information about using these chocks. 41059 JAMES D HARLIN SOS GRFASON RD 200735 2762 CARLISIE; PA 17015.9416 Date 68-7270(2560 Use by Jub,31, 2010 41059-01 Fay the order of of VOID Dollars .,_...._-- ? ' '' Purchase Check mo7n?d VA For inquiries p111-800-955-7070 ic?h R Memo Signature no12762R' 1: 25607 270 11:750 2 145547176n' T M O s a m M O D a O O 0 m M O M 0 0 0 O ? O mZ y0 <E My O ? O m M N T it Z Z D O Z O s? r ? zZ yz -i m ? m c r 1t O? Z = C CO) m r sz m Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anything-wheth you're shopping for new clothes, enjoying meals out, just Q: What APR will apply when I use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you enjoy on checks is to consolidate debt from other credit cards purchases made with your credit card. and loans (accept Capital One accounts). It's really pretty straightforward. Q. What is the difference between my "credit line" and my "available credit"? A. The credit line is the maximum amount Capital One will Q: Where are these checks accepted? A: These checks are accepted wherever you would 'use your personal checks. You can even use them at places that don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples f reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you h ve filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. SO fraud liability claims are subject to verification and investigation. Purchase Checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; (Please be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. 2) Do not qualify for reward programs. 3) Are subject to your credit availability on the day Capital One* processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) May be processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid an you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) Ware) returned unpaid. 0 2010 Capital One. Capital One is a federally registered service mark. All rights reserved. r M 0 a a m m S D O 0 0 0 9 0 y M Gt 0 m O mz Cl) ZI ~ Ma C m m 9 0 °s zo Z 2-0 C r -j O 0:E CZ m r *z m r., _ . 500359 Q o i Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One' balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Caul 1-$00-955-7870. 000000) __j Page 1 of 2 1-S00.95S-7070 ' wwwxapkoione.com May. 03 - Jun. 02, 2010 31 (Days in Boling Cycle \ l VAM MUM PAYMENT WARNING: R you maim only the nwmerm each period, you ran pay more in merest and it we take you lorrgw to pry cR yarn . For ahu nple: PLATRAW XXXX•XXXX-X)00(-7176 Paymeat Aaeolwt Eadr Period M No Appatdnrece Thna b Pay Estimated NEW MLANCE MNtNMM PAYMENT DUE DATE Addreanl Carpee Me Mrie su twomewom Total Cost $14,9111S.47 $379.00 Jon 27, 2010 Minirrhum Payment 32 Yowl $36,735 $541 3 Year 1 to A76 - PIF/SE PAY AT (FAST THIS AMaaN Your eatlnread eavinga a you pay off thb balance in 3 yaws: $17,259 Credit limit: 530,000.00 Cash Credit Limit 515,000.00 d you would WE kdarmation about credit cohanenng services, rd 1-aW32&$O55. Available Credit; $15,014.53 Available Credit for Cash: S 15,000.00 LATE PAYMENT WARNING: If we do not receive yow rtirk" ay ft by your due date, you may have 10 PAY A $39.00 late fee and your APRs may be incmn#d to to the Penahy APR of 29.40%. Previous Balance Payments and Credits Fees and inteflSt Charged Transactions iNCw "lance r l ' ? r $15,10533 - 5400.00 t $230115 + $50.09 514,905.47 r I rA?"ra ?tlCla?e 1 (TRANSACTIONS 1 / PAYMENTS, CREDITS A ADJUSTMENTS FOR JAMES D HARLIN #7176 ' 1ft"e s onfift s 1 16 MAY PAYMENT ($400.00) TRANSACTIONS FOR JAMES D,HARLIN #7176 1 21 MAY 0 ns I(ing BtdktCadisllPA $41.71 2 28 MAY GIANT FUEL #112CARUSLEPA $8.38 ? Total Transactions This Period $50.09 FEES Total Fees This Period $0.00 Total Fees This Year $39.00 INTEREST CHARM INTEREST CHARGE:PURCHASES $230.05 Total Interest This Period $230.05 Total hwest This Year $1,116.44 a*+yc? Duo Date Jun 27, 2010 J? • Great savings rate • Quarterly Bonus on intetest earned CIO • No fees Learn more and open online at capitalonedirect.coWiinterestpllIS 300009 INTEREST CHARGE CALCULATION Your Annual ParcereA w Rate (APR) is the annual merest was om Y. account. Type of Balance Amend Pnarrtage Balance Subiact to Raft (AM Image Rate 1111Hrut C Purchases 17.90%D $15,132.77 $230.05 Cash 24.9096 D $O.GO $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT 1 5291492145547176 02 00000004000003790169 Account Number. 5291-4921.4554-7176 New Balance MiNmum Payntem Amount Endued 614,985.47 J $379.00 J J PLEASE PAY AT LEAST THIS AMOUNT 011GMI [ ION MADE EASY. Forget the filing. Manage your account online and simplify your life. Sgn up at www.capitalone.com 4WO11 JAMES D MARLIN 505 GICASON RD CARL2SLE,.PA 17015-9416 'I"IIII11111111"'IIllllr,rlllllll'Illll'II'Illllr,lrll,lrrlllll Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 uIIIP'111"nhl'h'hlhll"Iluh'rll'I'111r11^Ill?llllthd Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: 1. Grab copies of your other credit card or loan statements. 2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-800-955-7070 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! Now an I av" Paybg ? Each month you Pry your -New Mane" M full, you wi have a rNnkmm Wm parted of 2S days with m biwm dupe on aN nave i) Purchases , 2) balance trarelim, 3) apsdal ptmdasts and 49 odor ehargam if you have been Paying yaw account in fed wish no mtaest charges applied anti you do not pry yarn nod bill in full. prorated imam due will be assessed. Them is no {Pea period en ash advances, special tramfe s, or on any new transaction when them is an unpaid balance from a Pravbus bill. Haw is the jailliallialillin "afied? Interest darges accrue from the 1) doe of the transaction, 2) dale the 6ertwton is Processed or 3) first calendar day of the bang period. interest dvagte aoatn m every trip ald amount until it Is paid in fun. This maces you may own mWest disease Own H you pay the andre -New, aYance- one month, but old not do se for the previous mrtoend . Urrpod bsenat charges are added te theproper wgm s ofyourAccount. Hoover. wwaw/are der night to not rows interest changes at any tine. Do you small a M set .. ?7 Yes. A minwxwn INTBKT OIANGE of 50.50 will Pseried your apaunt is subject to an interest charge. How did you ? Then m several Wculatbm that amused to deherMre Vow am Intenel cluerge. 1. To coo your Daily Hance: for each segment, 1) take the boo. Ing balance will Add in new tra dectiom and the periodic interest charge on the pmts- doo bdwim 2)Submacl try payments and cola for that segment w of tot day. The result Is the dopy balance for each segment. However, it you pod Vow previous month's bWmm In full for t ytte babrraa wes sine or a cot anwnm), new traaactora v me Polito your purtnae or apeolal pumraN selymms m not added m the dally Maces. Also, tr meactlom that m WbjRt too grace period am rot atdul o the rely balances. 2. To find your Avees" DailyMdma: 1) add the daily baanas together and 2) divide the turn by the number of drys in the baling cycle. 3. Estimate Vow Total Intl et Cage: 1) muffi* your average day balance, by the daily periodic rat and 2) mL** the retch by the number of days in the bnnrg period, NOTE Due to rounding or a minimum interest charge, this calculation may vary from to interval cargo actually assessed. How an my variable CAM cage? Yom APR may increase or decrease build m on at wvan standard indices reported in The RW Sbesticlar" To find which lidos b used for your account, Wok for a code (P, L, C, 5, D or F) on the front of this sulNnant nod to to ANNB). Thera dude the table hair. OodarlwSoV w AAtn Wl11-mi agt Mndex whief n your mass rem based on Whae your Annual pens- xega Rate MMI desnga P Quarterly Prtme+ magin pnowiouely deeaaed to you The taro day d the L Quot y USOR + margin prwiorsely disposed to you burg peiate that C Ouatery OD+!-TiltW-* disposed m you and in January, April. S gardoosn Prime + margin prewiouay areloced 10 you July and OcWiW D Monthly Pena + margin paraculetydoob- to you The fist day of ach F 140"LMOR+myys presto" -, , - , e, bYou "windy ttNNng G Trwwty LNM + Rergin Pmweusly dmi=W b you Period roe vseea saluipil MOMdo d With my account? Yes, under amain circumstances, you nna9r be aaareedMles or Nbb~ Payment In. You may also be carped oversmlt fees if pamWted by taw We meow the right to not assess fees whilout prior notice and without waiving outright to rives a seeds, fe later taw can t ? You may dote yam aocouht by ailing or writing our Customer Relations Depatmnant At the time, we will provide additional details Including payment information. H you use vote credit cad or changes post to your occamt after you ask us to does it we rat lap yam account open.To avoid prying any applicable membership lees, all to does Yom account prior to the end of the cy cia In which R a sdeduled to be biped. What happens It my ? We may does or suspend your account and your right to obtain credit at aybirw and for any reason, even it you are not in default. Account suspension an be permanent or temporary. If youraccount is dosed w suspended you must 1) top using your credit card and account, 2) amxl all automatic payments, 3) destroy all credit ails and access decks, and 4) pay all amounts you owe us, even if they were charged after the e a..c?co.?un.t?vas dosed or suspended. Now do 1 u ems? Payments you rail to us will be credited to your account as of the business day we naive it, a lag a: 1) you send the bottom portion of this statement and your check in the enclosed remittance envoope, and 2) your payment is naked In one of our protesting centers by Spin Intl time. Pate allow at least (7) business days for mil delNery. 002 02 Nailed payments received by us at any other option or in any od", form may not as of the dry we moon cam. Do you NeOpY paper clads as an you provide a check a payment. You audience us will am 4 up" other m W krbrm NEWItn from your deck to make onetme Wctonk fund transfer from your deposit account or to p pow the payment as a deck bwmcuon. When we use inf nv* ion from your check to ma to an alectonk fund tm**. fnweb may bit wNhdrawh from yow deposit account a ads I as the sans day we receive Vow Payment and you WIN not receive your cede bark from yaw financial institution. Your authetaatlan is not lit the by the date on the check We may and Wcton.4 CONM the rat rrned payments. What It I file fermi? if you m ambled to barhlmupoy pro ion. the communiationk for arfesmall" ally, it is not m attempt to aura M mecavN g debt or claim. Do not and b payinnm without speaking with your MnkngtW Court. If You w yon atmmey would Not to contact our plains serviar dnctlyy. Please contact: Capital One • PO lox 85167 • Iadmrond, VA 853167 MLUSI MGM SxNBMMY (Doe Not Apply to Small !mimes Accounts) Whet To DO M You Think You Find A Mistake On Yom Statement-1 If you think them b m error on your statement, write to us at Capital Ore P.O. Box 30285 Salt Lake Cty, LIT 54130-0285 In your Isar, gam us the follows Irrfam abon: Account Mcomalom Yaw name and account numbs. Douai ampuns : TM dope amount of to suspected error. '.. If you lank dim is an error on your bill, describe what you bane a wrong and VAW" r bob" it Is t mistake You must caratuw6d'h lp;dysaftertheww4ppsandonyowsutammnt. You mat rosy tar of ay poantal more You may all to or no by u a have to pally, but if you nti we we not required to Investigate any potential errors and you may h hen to pay the amount in question. who we imestD La whether or not there has been an error, the fol ng m true: • we cannot try beenact the amount In quabon, or report you as t on the amount. The Berge In *mftn may remain on yam tfatement, and wt may mrill" to charge you Interest on tat amount hut. N we determine the we made a mostilk , you well not hne to pay the amount In question or any interest or other few heated to that unt. While you do nothave le pay theamount in gnestbn undl we send u s notice aboutMe outcome of am kwMggaton,y you am ngherwbafor the rellallhder your balance. • Wean apply &V WVW amount agakw Yom credit pmt. Your Rights N Yet M D Waeinad With Yaw =Card rmNt. If you m dissatisfied with the geode or earvlcae that you line puche wmh Yom , and you have tied in good faith to correct the procure nth the Remnant, you may alone right not to pay the remaining amount due an the purchm. To use this right, all of to levdrtg must be true: 1. The purchase m st hills been mule in your home state or within 1 - of your current makg addax, will the padaso prim must have been mm than (Note: laidar oft" we necessary If your ptmdwe ewq based on wi aderteament we to you, or If we own the company tat sold you the goods or amen.) 2. You must how Yom credit card for the purchase PtrldteM{ medal NTh cash advenae from an ATM or a chock that aocasses your credit card spawn do not quaBfy. 3. You neat not yes have fulf? paid for the purchase. If all of the crterla allow m rnat eke you am etnl dtstatahed with the purchase, contact Us sat Capital One P.O. Box 30285 Salt Lake City, Ur 5413002/5 wale We IneWgess, the sane ruin apply to the disputed amount a ?IaOnad above. After we finish ate investigation, we will tell you our decision. At that point, t we think you owe an amount and you do not pay" may report you a delinquent. Capital One supports Information privacy protection: use our weWte t vvww:capiwom.com Capital One is & federally "Mies d service mark of Capital One Financial Corporation. AN rights nerved 0 2010 COW One TC-08 0501!10 Changing Address? Address ................ _......................................................................... ........................................................................................... Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail Address Pteaae PRIM address or plume number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly. • Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope cost delay processir • Please don't include any additional corresppridence. • Last but not least, be sure to write your 1649it account number on your check. hiss.. ._.._. JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015-9416 200735 e 12763 Use by August31, 2010 68-7270/2560 41059.01 Pay to the V order of JAMES D MARLIN ` Dollars for inquiries call 1-800-955-7070 Purchase Check Richmond, VA Memo Signature R1i2?63R¦ 1:256072?0i1:7502i45547i76R¦ lust write a Capital One® Dear JAMES D HARLIN, -?' ruum" You have things to do. And now you have an easy, convenient financial tool o help you get th d C i l em one- ap ta One Purchase Checks. Better yet, they give you access tt$ your existing Capital One account and come with the same rate you pay for purchases a with your One simple solution for the credit card. Plus, there's no transaction feel things you want to do... Write one today. Carry these checks with you. Purchase Checks can be used anywhere you car, use a personal check. They're especially handy when credit cards aren't accepted. Use these checks with confidence. You'll never pay a transaction fee when you use these checks for ash or purcjhases. And, thanks to $O Fraud Liability, you won't pay a cent if your checks are used Tadde home projects without your authorization. Buy a gift for that Save tine and money. Use your Purchase Checks to transfer higher-interest rate credit card and loan (balances. someone special That way you could have fewer bills to pay each month. Plus, you could p,Uy less interest. Treat yourself to a night out Consolidate your bills Get cash for things you want and need You've got things to do...get them done with these Purchase Checks! Thank you for your time, P. Taylor Jamison Director of Accounts P,S. You can use Purchase Checks just about anywhere! Please remember to use them by August 31, 2010. Want to transfer a balance now? Call 1-800-955-7076 or go online to hMU:lftmnsherbab a ratp_I &&= Qm rte, Please see the reverse for important information about using these chocks. 41059 JAMES D MALIN 505 ORFASON RD CARIIStf, RA 17015.9416 Pay to the order of 200735 12764 to 68-7270/2560 Use by Augrat 31,1010 41059-01 ? (l Dollars Purchase Check Richmond VA For inquiries call 1-800-955-7070 Memo Signature R4i276411-7 1:2560727OW7502i4554706Ra M 0 D m M O a O G) 0 M Z O m G1 0 n v D O 0) z m0 S G M my O ? T nr D 9 _n ? w a? yz ti m ? m C0 zX C m r rz M Got questions? We've got answers Q: Is there a transaction fee for using the allow you to borrow on this account. Your available enclosed checks? credit is your credit line minus your balance, if any. A: Nope. Nada. Nothing. There is absolutely no transaction fee for using these checks to access your Q: What can I use these checks for? Capital One account. A: You can use them for almost anythin g-whethar you're shopping for new clothes, enjoying meals out, Or just Q: What APR will apply when I use these checks? want to have cash on hand. Another way to use your A: You will receive the same APR you enjoy on checks is to consolidate debt from other credit bards purchases made with your credit card. and loans (except Capital One accounts). It's really pretty straightforward. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit"? personal checks. You can even use them at places that A. The credit line is the maximum amount Capital One will don't accept credit cards. Important Information About This Offer Under certain circumstances, we may decline to process your request for this offer. If so, we will notify you. Examples :of reasons we may not process your request include: your account is delinquent, overlimit, charged-off, or closed; you hove filed for bankruptcy, your card has been reported lost/stolen; our fraud system prevents the offer fulfillment; or a term of your account relevant to the offer, such as credit line, APR, or special transfer rate, has changed since we mailed the offer. All other terms and conditions for your account remain in full force and effect. If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. SO fraud liability claims are subject to verification and investigation. Purchase checks: 1) Are treated as purchases according to the terms and amendments of your Customer Agreement; 'IPlease be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. 2) Do not qualify for reward programs. 3) Are subject to your credit availability on the day Capital One* processes your check. Please be sure the total of your checks, transactions and fees does not exceed your available credit line. 4) Maybe processed at a higher default rate if your account is not current (i.e. restricted, past due or in collections) at the time a check is processed. 5) Will be returned unpaid an you may be assessed a returned check fee if the credit is unavailable or your account is not current as stated. 6) Cannot be used as a payment on any Capital One account. 7) Qualify as using your account. 8) Cannot be cashed at a Capital One bran unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. ® 2010 Capital One. Capital One is a federally registered service mark. All rights reserved. r M 0 a x Ny m O 9 O T O O m Z O w M C n 0 v M0 mz rn y M 0 a mE M o 'n ? T ? D a n,O S r a 2 L! = co H m C r ? O Og z= 0 m r * ie 500407 Get smart about credit. • learn more about what a higher FICO score will do for you. • Find out what your credit score is used for. • Discover ways to minimize the fees you pay on your account. All this and more awaits you at capitalone.com/financialeducation Page 1 of 3 1-E00.lgS•7070 ? ,, www.capkabm.corn Jun. 03 - Jul. 02, 20`10 30 bays Biilhtg Cycle ? l ...... MMMM MYM iNA H e p N M*A Only the Minimum PaIliment Tou each period, you I ? NASt?CA1AB PLA'U"?IwM X10d(-y000(•t00bf•N f6 W a M I n ktetest and d it a WIN take you longer to pay off Tou For example: ? more t Payarm Aniiwo Pei Paned R lb ' TYea Pryb NEW BALANCE NININNIM PAYMENT DUE DATE Ad*A" Chaps An Me& stemnut BalelOa Total $15117S.69 $377.00 Jul 27, 2010 minimum 1,81"em 32 Y $37,220 $548 3 Yew $19,724 PLEASE PAY AT LEAST THIS AMOUNT Your aatlneed wAnp I you pay eR this balpme In 3 yearn: $17,496 Credit Limit: $30,000.00 Cash Credit limit $15,000.00 0 you would Eke information abort credit counseling services, all 1-8008-326.8055. `Avad" Credit: $14,824.31 Available Credit for Cash: $14,824.31 LATE PA'MMEMT VAUtNNNO: If we do not nxNve your mrimmum papiwm by your due date, / you may lucre to pay a $39.00 lee fee and your APRs may be mmn*d up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and NNtenest Charged $14,985.47 - $500.00 t $225.57 \` J 1 / \ / + / rrVl7til4?,TrVnS ? 1 / PAYMENTS, CREDITS a ADJUSTMENTS FOR JAMES D HARLIN #7176 1 26JUN PAYMENT ($500.00) TRANSACTIONS FOR JAMES D HARLIN #7176 1 07 JUN HIGHLANDS' TIRE ANCARUSLEPA $350.20 2 10JUN GIANT FUEL854HANOVERPA $17.80 3 11 JUN PADDOCK WINE AND SPIRIWOODBINEMD $17.55 4 15 JUN PELONG TOKYO RESTAURANHAMPSTEADMD $9.80 5 22 JUN GIANT FOOD #112CARLISLEPA $19.30 6 30JUN FAR EAST GROCERYMECHANICSBURGPA $40.00 ? Total Transactions This Period $464.65 Transactions New Balance $464.65 $15,175.69 l Don't undoirstand credit? That's because you've never had a teacher like this: capitalo ne.comlfinancialeducation Check it out on your schedule, 24/7. 300014 ? J FEES INTEREST CHARGE CALCULATION Total Fees This Period $0.00 Your Annual Percentage Rah (APR) is the annual interest rat on your account. Total Fees This Year $39.00 Annual Per""o Balum Soloct to Type of BalnNOe Rate OM 1 Leh 11 itereat Chwge Purchases 17.90%D $15,332.08 $225.57 Cash 24.90%D SDD0 $0.00 ` Transactions continue on page 2 / PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 02 0000000500000377000 CM&A Account Number: 5291-4921-4554-7176 Due Date New Balance Minimum Palimem Amount Enclosed / Jul 27, 2010 , $15,175.69 , $377.00 / J? JL -j i PLEASE PAYAT LEAST THIS AMOUNT BARES D HARLIN 505 GREASON RD CARLISLE, PA 17035-9416 IlhlPlrl.Ilrrllllhulydrftllhrmlh?h?l4?dl°hl,„hmrl PRLESS STATEMENTS Stop waiting for the mailman. View up to 13 months of statements anytime-online. Sign up at www.capblone.com 400007 Capital One Bank (USA), N.A. P.O. Box 73063 Charlotte, NC 26272-1063 n11IIIr1t1?r1II11.1101111116.11111Y-11r1?111?11??111?161r1Fd Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envek)pe. Credit Basics at Your Fingertips Get tips for managing your credit no matter what your financial situation: • Credit Overview • Credit for Small Businesses • Credit for Young Adults • Credit for Life Events capitalone.conVfinanaaleducation 0 2010 Capiral One. Capita! Ora ice a fidera![y agisrend service mark. Ad righn reserved NOW am / arold F III d 000,2~ Each month you MY Your 'Now Balance" in full, you WA hwaa mk*i tm $Mm period of 25 daq with . 4m- charge on N raw i) Prrdwm 2) belmie Owmk s, 3) sPacdel purchases and 10 other charges. if you have been paying your smowu in full with no Imewu derges applied and you do not pay your rhere hill infull, praatld lmom, dhnpa6 will be anaped. Thew is no grace podad on cash advenoss, spacial transfers, or an any new transaction when there s an unpaid balance from a previous bill. NOW is thin JIMILOMM applied? Interest charges scam from the 1) data of the transaction, 2) date to transaction is processed ar 3) art calendar day of the Interest dwryes scam on every unpaid anaet until it is paid in tulL This mum oyu may was kntmest charges = If you pay the entire 'Now ba{snce' area month, but cad not do so for the M preMOwnron. tAWsd karest fiar0aa are added to the proper aegrrrart your Account. Howe . WE reserve the right to rat assess interest charges at any time. Do you aeesee a balmm T Yes. A mirwnum WTSMY CNAnOE of SO.So will be aereod for telling phrsd your acawn is subject to an imftsr clangs. HOW did you 9MOdilLINJUMMO ?? Thaw are aweval calculations that are used to OlWw*- VWdergo. 1. Ta got your DMy ealana: Fereerh n n M 1) take the boO 11 leiena and add in new transactions, and the perkedle sman dergm an the Pntvious deYs balance . 2) subtract any pymusn and twdl4for dint segment as of that day. The ran* Is the daily balance for each segment. lawmen k yOu Paid yourprevious month's balance In full tw if your balance was sent or a mods aammtl new transaegat which port to your purchase w spedatpurchae sagrnem are not added to the daily bafarrese. Also, tw"CW rs dw are subject to a grace period am mat added to the daily balances, 2. To find your Average daily balance: 1) add de daily babrces mget er and 2) deride the rem by the nhml0r of date in the bON cycle. 3. Estimate, your Total Interest cArgs: 1) no? your awwpeday bOMM by the daily periodic ran and 2) multiply the cede by the nelbsr of days in the b*V period. tfOrE Due to bundirg or a minimum snows charge, the alclatlon may vary from tisinter dwrgt mom y mnwd. laws, am Variable, aNNAboagamBft (AM Change? Your APR may Increase or decrease WasW en ales of Mvwu.standad kdste reported n The Wall Sbeatlournal. To find viedh h is Used fw Your Amount, look fora code (P, L, C, 5, D or F) an the from of this suwrtwm need to the AMI, Then check ON table babes: nssdteyaw AmwmPwowftp fAPft btlor vmidh your rags are based an Yuen year Annual ParawMga iete evil ch wv p Quarterly prime + margin Pn4.taMy disclosed to you The first day of the L Owmdv LMOR+ margin. previously tli4tleead o you agate passage that C Quarterly CID + merge ptavioNly damaged so you std in raromy'nuary , April S BW*=d Prime+ margin Previously ssdaed to you JuIY end -. G F ktorehy Pnma+ margin Previously disclosed to you This cwt day of each Monthly UBM . margin prosmoseiy, d issined to yes monlMy bMng G Treamury LIBOR + margin pwvoay daadcaatl la you perod. 0 vim you may a?managed 0 Laft or KEMassod?dwiwith my aaoum7 Yes, undr certain dramrafancas. Payment Fee. You my 8191) be charged owriinlt faro rf permitted by low. We raw" the right to not anew fees without prior notice and without waiving our right to sae a ¦in lar fee Ism- low an I ? You may doe your amount by apkg or writing our customer Reunions DeparlnumL At that tore, we wise provide additional details kckrdsg payment drdomwtbn. If you use your credit ad or charges part to yaw amount don, you ask us to dose it, we can WM Vow accountopen.To evod paying i y applicable membership fees, tell to close your acmure prior to the and of the cycle In which it Is sdwdusd to be billed. What happens; N sty aggiVAL&MIlgandW We may does or suspend yaw amount and your right to obnin cods at any tins and for any meson, wan if you are not in default. Account suspension an be partnerent or temporary, if yaw amount is dosed or suspended you must 1) stop using your aedit ad all amount, 2) ancei all automatic payments, 3) destroy cep beds ads and access checks, and a) pay ON amounts you owe in, awn If they were charged Our the acoaet war dosed or suspended. How do I frtesehigaaft? Payments you mail to us, well be credited to yaw amount as of the businesses day we raaeiee it as keg sa: 1) you send the bottom portion of this sutemant and Yaw chadn in tw eedoaed rammanee envelope, and 2)your payment Is received in one of our processing centers by 5pm local time. Please allow at lout (7) business days for mad delivery. -;;3p CRW W_ tAaisd DaYmarns reaekred by us at eery other location or in any at* form may not ss of thou day we ftealw them. Do you vuocese diaper Mace as w „gww?hdaa T?e?...?raa W1Miieheen? you prorid PWMM you aNharal Waand our antemaattlrr ee? 'Im..wrwnL,n v.....?..e.a.. orhrWeak tnsuenstloomc tied er~ anWrtr from your dpanaaseumt arm tht paymantesa =Knsacn.YYfwh tromour nom your dhedto aneleauankfund traeler, fulls my be wnldtwA from yourdoPOSk aoeoune se r ti+a Lama dry war cease your pormant and you will not reap, Your cyhsck heck from your fkharcW Institution. Yaw autlgrtratlon is riot pnWed by the dine on the seek We my and mleectronicaly taped the reb~p"wwm. What If I no for.J? 0 you aft granted to bankruptcy pre , this commelfealfoh is naation arty, it is not an aterW to COIN , serest or waver a debt or dekn Do not send uspsNaaltte was hams epeakkng g on your be* UP" attorney w tie BMknIpKy Caun.d youwYwOallomy Mquld like to coned our smioupecy, claim gammas, diremly, Wseea cerleet: Capiu/tlre • b eov. 67 • gdenond, VA 328"10 OLLlN MK* fS SUWAA M (Dose Not Apply to Small Susinest Ama ) Whet To Do If You TWA You Find A IsEbWa On Your StN rind if you think theft is an error on yaw statement, writ to us at Capital Oea P.O. Me SMS San Lake City, UT $41SM85 ',. In your knew, givmu the following inomwtian: : four mama and account number. • The dollar amount at the suspected war. to lMU l . N you think there is an error on your bill, describe what you believe is wrong and whyyou bagave as a mstike. You new comae Ytwithin So days efter the error appaerad on War wtanent. You mil notly sat a any poterdal ertore Youmy amp u1? of rbWy rs slecoonicaly but t yon do war are not marked to Investigate "Poentw amore 4 ya, nuy reeve a py the serewn in Qneppn. Whin war envisaging wherhar or mat thane has bean an error, theto )wing an true: • We cannot try to oaN ,the amount In pbwtlen, or report you a an that amount The Charge in Cumftn may r"ON on Vow /iwmmnt, anted we my co OMAR to charge you Interest on MN ignot 11L art, lives date rmke dwwv thaw a , you v A not have to pa) tba amowmt in p+astlOn w any ihNreet or oMr esereleted to that. While you do net harm to pay the amount in cluwtbn until we sand u a notice about the oumomt of our WKVOPUan, you aft responsible for the ranwbder your basnce. We an apply any anal amount agarat Vow Croft limit . Your WgNk If You An 151 laa1 a6 'With Yaw Craft bard , If you aft dissatisfied with the Weeds or services des you have purdsaesd witih your credit , and you have seed in good lath to owned the prow. with the merchant you may have right not to pry the ftmaira g amount slue an the "thus. To use this right, ail of the must be true: 1. The purchase mat tswebeen made in yaw home stage or IMih t mails of yaw current malling address, and to puxdwsr irks meet ham omits mar Man . (Ncee: Mather of thew are necessary if yon purchase was bared on an adwntamunevw te you, w n war own the COmlpefly that sold you the goads w ewvlwsJ 2. You must have your crack and for the purchase: Purdmu made with cash advances from an ATM or a deck that aoa9sses yaw auk card account do not Magill 3. You must not>at hen teak) or the purcthue. if all of the aaaAa abew caw met and you are still dissathdsd wMh the rcaae, contactus illlfffbm at Capital one P.O. Box 30285 Sark lake City, UT 414130..0285 '?. While we hnsmadli tin, the signs nAss pPy to the disputed amount as discussed above. After war finish Ow Own0p bon, we wig ell you our damson. At that point 11 if we think you owe an amount and you do not pay we may report you as defingwnt. Capital One supports information prnaq protection: see our womm, at www.capitalOM.com Capra) Ono Is a federally registered service mark of Capital One Financial Corporation. All rights reserved O 2010 Capnel One TC-08 05;01/10 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 paymo!nts 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 L me with your statement. Using a different envelope could delay processil • Please don't include any additional correspondence. • Last but not least, be sure to write your 111SAit account number on your check. (9? Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.copiWone.com r Page 2 01 3 14"S-7070 r www.capitabm.com MAS E#CIiKD Y{ )000(-)0=-)0=-7176 NEW BALANCE MNNMUM PAYMENT DUE DATE $75,175.69 $377.00 Jul 27, 2010 J \ Previous balance Payments and Cmft Fees and Interest Charged r ? r ? r 514,985.47 - $500,00 1 J + $225.57 + J J r , ,TRANSACTIONS CONTINUED INTEREST 011ARGED INTEREST CMRGE:PURCHASES $225.57 Total kRerest This Period $225.57 Total Irderest This Year $1,342.01 1 / J Jun. 03 - Jul. 02, 2010 30 i0eyt m aiMmg Cyde J Credit Umit l $30,000.00 And" Credit $14,824.31 Cash Credit Limit $15,000.00 Mail" Credit for Cash: $14,824.31 J Transactions r New g $464.65 a $15,175.69 JAMES D HARLIN 505 GREASON RD 200768 CARLISLE, PA 17015-9416 Date 12765 Use by 0913a2010 68-7270/2560 42885-01 Pay to the order of -VOW $ " WV For inquiries call 1-800-833-6393 Richmond, VA Memo Dollars Signature 01246511' 4 2 5607 2 70 1r:7502145547176p¦ Use your acct even where credit cads aren't ac( The checks on this page give you easy access to the available credit on your account. However you use them, they come with your purchase rate -and no transaction fees. Any checks you write will show up as a transaction on your statement, just like a purchase with your card. These checks are great for: Purchases Use one if you need to make a purchase where credit cards aren't accepted (like at your wholesale club or a craft show). Cash Write a check to yourself and cash it at your bank. You'll get the same rate you pay when you swipe your card for a purchase. Transfers Transfer higher-rate balances to your account. Just write one of these checks and send it to your other creditor like you would a normal payment. PLUS. TPJWSACTI Z=EES 1 Transfer balances t'odavl ® use the attache checks OR Give us a call 1-800-833-6393 OR Go online transierbalancm ao Interest and fee kdorrrtation APR for Check Traces You will be charged the APR for Purchases, currently 17.90%. and Balance Transfers This APR will vary with the market based on the Prime Rate, as previously disclosed, fee None. Now to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge interest n new on Check Transactions check transactions posted to your Purchase segment provided you have paid your previous bala a in full by the due date each month. JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015.9416 Pay to the order of Richmond, VA Memo VOID For inquiries call 1-800-833-6393 200768 127N Date 68-7270/2560 Use by 0$942010 42885-01 Dollars Signature 001276611§ 1:2560727011:7 50 2 145 547 06pe m 0 s 9 m m O D 0 O O O m M O m Q n 0 0 m z m mo O M ~ M m f N a m p y o° m D 0 9 T M Z ! Z 9 O C) S D r- N Z Z 1 m r 0 Z N N m r m Ques ons about these dveft? Q: Is there a transaction fee for using the enclosed checks? Q: What can I use these checks for? A: There isn't. You won't pay any kind of transaction fee A: You can use them for almost anything-whethjer you need to use these checks to access your Capital One' account. extra time to pay a bill, want to give a check as a gift, or Q: What APR will apply when I use these checks? just want to have cash on hand. Another way to use your checks is to consolidate debt from non-Capital !One credit A: These checks come with the same APR you pay for cards and loans. purchases you make with your credit card. Q. What is the difference between my "credit line" and ° Q: Where are these checks accepted? A: These checks are accepted wherever you would use your my avatfable credit"? 1 personal checks. They're a great way to "charge it" at A. Your credit line is the maximum amount Capital One will places that don't accept credit cards. allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. Important Information About This Offer • Please make sure the total of your checks, transactions and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if: Your account is delinquent, overlimit, charged-off, or closed You have flied for bankruptcy Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment A term of your account relevant to the offer (like credit line, APR or your special transfer rate) has changed since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • $0 fraud liability claims are subject to verification and investigation. Thee Checks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of your Customer Agreement. Please be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital One account. • Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. C 2010 Capital One. Capital One is a federally registered service mark. All rights reserved. I 0 D 9 M 0 9 O O 9 O y O r01 o I I Z I 2 m Q M 0 m ? m o Om M a M T M Z e 9 y r N Z = ? 1 e C r C O E 2 ? y m r Pay less interest: Transfer your higher-rate balances See your personalized, money-saving balance Transfer balanl transfer offers that may include: Give us a call • No trairumw on flees 1-800-833-6393 • Rates Ie1RRRSr than your purchase rate OR Go online Page 1 of 2 1480-l6s-7070 Www.capkabm.com Jul. 03 -Aug. 02, 2010 31 pays in Filling Cycle ? ? J MM MUMPAYMENT YARNING: R you nuke only t=* each period, you will pay more in aarem and it Will take you I%W to For example PIBYSNe1a Ms511artard 1000ODON-)OM-7176 NEW Pal erne Amount W P" # No Apprmdnow nree loPay Estimated FINANCE MINIMUM PAYMENT DUE DATE Addlitlonal Charges An Made statement wimm I total cost :15,205.85 $382.00 Aug 27, 2910 Minimum Payment T32 Years S37,289 $549 3 Years $19.763 PLEASE PAY AT VAST TmS AMOUNT Your ea lmated eaekrpe R YOU pay ON this bakinG In 3 yam; 'I $17,526 Credit Limit: $30,000.00 A1.11" Credit $14,794.15 Cash credit Lank: $15,000.00 d you Woad We Wormation about credit axin$drrg services, all 1-8 &326.8055. Available Credit for Cash: $14,794.15 RATE PAYMENT YWYIWIW: Y we do not receive your minimum payrneM by your due date, / you may have to pay a $39.00 late fee and your APRs may be "Keened up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Changed Transactions *w Balance 515,175.69 _ 5500,00 + PAYAN74TS, CREDITS a ADIUSTMENTS FOR JAMES D HARLIN #17176 1 15)UL PAYMENT ($500.00) TRANSACTIONS FOR JAMES D HAMM #7176 1 10JUL BOBBY AAHALHONDAMECHAMCSBURGPA $92.11 2 16JUL PADDOCK WINE ANDSPBUWOODBINEMD $56.16 3 24JUL CARUSLEREGKMLMQPSCARUSLEPA $124.98 4 30 JUL NEW GREAT WALL BUFFETCARUSLEPA - $26.92 ? Total Transactions This Period $300.17 FEB Total Fees This Period 50.00 Total Fees This Year $39.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $229,99 Total Interest This Period $229.99 Total Interest This Year $1,572.00 4 Due Date $229.99 + $300.17 c $15,205.85 J l / Credit cards are only par( of the equation. Learn about all the ways we can serve your }reeds at capitalone.com 300010 INTEREST CHARGE CALCULATION Your Annual Perantago Rae (APR) is the annual hnerest ran orl your account. Tof Beene MNwel Percentage Balance sealied Rob (APR) Mee to Ilrntwos t Charge Purchases 17.90%D $15,128.42 $229.99 Cash 24.90%D $0.00 $0.00 J PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 5291492145547176 02 0000000500000382003 i ?r Aug 27, 2010 Account Number. 5291-4921-45547176 New Balance Mlnknum Playroom Amount E $15,205.85 J L E382.00 J ? J PLEASE PAY AT LEAST THISAMOUNT GREEN FACT! 1 tree can be saved for every 13 people that go paperless. Sign up at www.capitalonexcim 4OW05 JAMES D HARLIN SOS GREASON RD CARLISLE, PA 17013-9416 LPIt•kilul?Rapyl.Ilan.,u.rLI.uIIIIIIIh??IIu?IIIIr.,p Capital One Bank (USA), N.A. P•0. Box 71063 Charlotte, NC 26272-1083 ILIIIP?ILI??ILLLI?LrhIPII??IhILr?IIrL?III?LIr?Nlk111I?hIl Please make Checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 1 / Transfer balances today! Give us a call Go online 1-800-833-6393 OR transferbalances.capitalone.amVoffers Transfer all of your higher-rate balances... ? Other Credit Cards ? Personal Loans ? Auto Loans ? Retail Store Cards ? Home Equity Loans ? Student Loans ? Gas Cards ? Home Loans ? Anything you've borrowed lbw can 1 ahnoid paybq ? Each month you p•Y Your •New seance" In full, You erg have a /nMnnunghecePwled of 25 drys with no imwet charge on aN new t) purcfiaas, 2) balance tresfet, ;nsgedat purclheses ===' t you haw been g your •aeuM Mh fit/ with rho hhbtat dharye pry your nett bill In full, Prorated WMWM diaries era be 4$mmd. Than Is no grace period on ash a j mces, "pedal perishes. or on any new transaction when them is an unpaid balance from a previous bill. How Is the ,applied? Interest charges accrue from the 1) date of the tarhaactmh, 2) Alte the tregw.tbn is proud or 3) fiM calendar day of tax WNbq period. Irhenet chargr aeale on every unpold amount until It is paid in full. This mesa you may owe muw#st rdrrgesewn N you Py the WHIM 'New BMW=' ens month, but did not do so for to )hrevo40 mantit LWOW intone &Argr cell added to the PMPw np*nt afyour ACCOhunt. however, vie Mane the right to not assn unrest charges at any time. D a ou" for eadi ? Ye. A mInInam Kr&VM CHARGE of 50.60 will isNWp period your "mum is subject to an interest dirge. Now dtd yes ? Thera all several akulations that all used to deef+nke Y*W tnw I+esmrt Berge. 1. To go your Deily Mane.. For each soWnnemt, 1) take the i pamInp balance and add in new trwpaetoM.and this peeiodk Interest chary?on the presbw dayY bManca. 2) Subtract any payments and sects for that element es of that day. The malt is the daily, balance for each segment. Himieww, If you paid your previous month's balance in full fax N your balance was un or a crodt wrqum), now transactions which post to yaw purchase or special padmv moments are not added to the daily balances. Also, transactions that set subject to a W" period all not added to the daily balances. 2. To find your Amageroaily blance: 1) MM tax dally balwae together and 2) ANlde the sum by the number of days in the taking tack. 3. bermats your Total Interest Urge: 1) multiply your awraW.daily l+I by the daily periodic wee and 2) multiply the result by the number of days in this bNkyg perNIM: are to munching or a minimum interest charge, this calculation may vary from the irderest dwge actually assessed. hbw.an ray wr1a11 e (APP) dierhge? Your APR may incrMse or decrease bade on ens d ran aeaMad inalicas reported In lee WIN seems Journal. To find which Index a used for your account, look for a code (P, L, C, S, D or F) on the front of this MMIM lI net to the APpfs). Then chock the tahis h-w~ - CoNtset*"w M ft, sreagaa kale (APR) inset wdeh you roan an based on When your An vel pame raepa Rate wall clang, P Ouerhody Prime + rresigh previpuely dmck*W to you The fi at day of the L Quarterly UPOR + mew previously direkeW to you billip periods tint C Oureaty CD+ mega prNcuMy dbolosed to you ern in January, April. S awcoard Prime+ mar& pinAway disclosed to you July ell Oebbw. D Manly P a + mare m pMAousy disclosed b you The few day of each F lAOrhMly LIBOR + rtagln PMAeM' Wrlessd b You monthly bNNng G Trasury LMOR + margin preAdu•ydledaad o you period. Ate 0"" associated with my aaoum? Yes, under certain amumsunces, you may be aaseus' a Late Of Raturmed Payment Fee. You may also be charged o,rtimh fees if permitted by law. We raxrva the night to not aeess fees without prior notice and without walnrg our right to plasm a sknnw tee ate Yaw an 11'1Mil.B111 ? You may dose your account by calling or writing P4om Department. At that tine, we will provide additional details Including payment o , indomaton. If you use your credit card or car" post to your account after dote it, we tai keep your account To avoid you ask e us to cad paying any applicable *du d to to membership Mlle fes, o can to dose your account prior to the end of of the cycle in which it is tdodulad be e baled. What heMMI is if my EL .SLMgilodN??We may dole or suspend your account and your right to obtain credit at sty time and for shy reason, even if you am not in default. Account suspension Can be Parana em w temporary. If your account is closed or wtpencied You must 1) stop u skg your credit cod and account. 2) cancel all automatic payments, 3) destroy all Oak castle and action decks, and 4) pay all amounts you owe us, even if they war charged af.er ?r?te account was dosed or suspended. How do 1 .t,11ML& ice? Payments you mail to hA will be credited to your account as of the bnrInm day we is ceiw it a long as: 1) you send the bottom portion of this statement and your check in to enclosed remtunv erweWpe, and 2) your payment is received In one of our processing centers by5pm local time. Pla im allow at least (7) business drys for mail delivery. 002 02 Mailed Payments Mmhmd by u at any other location or In any other; form may not be n of to day" revive them. Do you Peeves PaP•n' clnecls a an You provide a check a 390 paYnens. You arthwlee a and Ow agars sow to ues InfonnlNlen from your snack to make onatIne elearonk fund transfer from your deposit atucohrht "top payment as a check transaction. When we use Informs on from your check to an eacaonic fund "put harsh, funds may be withdrawn from your depelit account as ta tise sane day we revive Yew PWMM and you will not receive your chick bat from w hnandal Institution. Your auNvfrtkrn Is net limited by the date on the deck. We may and electmnkany mlb.It exec the Maxwell Pymens. ',.. VOW It Ifle &WkUW If you am entitled to bankruptcy pro action, this cQmMWWC tbn Is for Infwtnation only, It Is not an attempt to are or recover • debt w debris. Do not card us payment' without speakksp with your etomy or the eenkn4lcy Court. If you or your aft would au to contact our onkruptcy chime services may fly. Pheu comets Captal one • po soe 6St67 • Rkhnhord, vA 32as-st6? MLLMg MG41S X%WAMtY (Does Not Apply to small &nM= AM vets) What To Do If You Think You Find A Mistake on Your Statement:'I if you thin[ there is an error on your statement, write to ut at capital. one P.O. Noun sues Salt Lake City, UT 641300265 In your laser, give w the folbwing information: AggsluMAtmaifta Your name and account number. Dollar Mount The dolW amount of the suspected error it you thfrnk them is an error on your bill, describe what you below is wrong and wkhyyou baNove it is a mistake. You rout collet us wdt In oo days dear the error appeared on your tatement. You mutt ratify us of any potential wmm Wig. You nny WI usl or notiy u eNctrorace y but If you de we all not required to inv ttigae wry potential erors aunt you my have to pay the amount in question. While we Iwestip to whether or not them he been an error, the of are tore: • We cannot try to collect the amount in question, w repot you es on tit amount The chepe In question may remain on year atatanant, and we may rice to charge you interest on that smout. Gtr, It we detarmMe that we madea , you will not haw to pay the amount in question or any interest or other few related to that Int. -White You de net haw to Pay the amount in question until see send u a notice about the outcome of ow Investigation. You ate responsible for the nmaInder gf your balance. • We cerh apply any unpaid amount against your credit omit. Yow Riglhis If You AM Daatlefled Wish Your trisect Card , If you ate disetsfied wth tine goods or servlvs that you have peadhesed wW+your crack , all you tee tied in good faith to comet the problem with the merchant, you dray hove right not to pay the mmaIn'rg amount due on the purchase. To use this ntgpt, ail of the ' rout be true: 1. The Pun3rse must have been made in your hams star W Oqn 100 miles of your arMnnt mailing addres, and she prchase price must have been MOM tewh . (Nose: Neither of these all necessary If your purchase was bed on an advertisement me ma o you, or if we own the company that aid you the goods or services.) 2. You must have yew credit card for the Purchase. Parchaes made with ash advances from an ATM or a dwek that accmr your auk art $Mount do not quality. 3. You mutt not yes have paid or the purchase if all of the eteria above all met and you am still diuatle/ied with the nddhase, contact us in writing at Capital One P.O. Got 30265 sat Lake City, UT 64130-0266 While we Wwadp le, the seme rules apply to the WsPued amount es above. After we finish our ksestipation, we will ell you our daalon. At that gam, t we think you owe an amount and you do not Pry we may upon you as delinquent Capital One supports information privacy protection: see ow wmbke t www.cpiusoM.am Caplul one b a tedarNy rgbered soma mw k of Caplfal one Fi l Corpwation. AN nghs reserved 0 2010 Capital One TC-06 0%01/10 Changing Address? Address ...........................:............................................................... ........................................................................................... Home Phone ........................................................................................... 1 Alternate Phone ........................................................................................... E-mail Address ................. _................ _...................................................... Please print address or phone nwnber changes above using blue or black Ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processir • Please don't include any additional corresppndehnce. • Last but not least, be sure to write your 16 digit account number on your check. JAMES D HARLIN 505 GREASON RD 200768 CARLISLE, PA 17015-9416 Date 12767 Use by 143112010 68-7270/2560 42885-01 Pay the VOID order of of Dollars Calls NA For inquiries call 1-800-833-6393 Richmond, VA Memo Signature n11276708 1:25607 2 ?0 11:7502145547176/2, Use your account even where credit cards aren't Ia The checks on this page give you easy access to the available credit on your account. However you use them, they come with your purchase rate-and no transaction fees. Any checks you write will show up as a transaction on your statement, just like a purchase with your card. These checks are great for: "Purchases Use one if you need to make a purchase where credit cards aren't accepted (like at your wholesale club or a craft show). Cash Write a check to yourself and cash it at your bank. You'll get the same rate you pay when you swipe your card for a purchase. Transfers Transfer higher-rate balances to your account. Just write one of these checks and send it to your other creditor like you would a normal payment. PLUS. No FEES! Transfer balances 1Ioday! ® use the attached checks OR Give us a call 1-800-833-6393 OR 46a Go online transferbela interest and Fee Information APR for Check Transactions You will be charged the APR for Purchases, currently 17.90%. arnl Balance Transfers This APR will vary with the market based on the Prime Rate, as previously disclosed. Fee None. Now to Avoid Paying Interest Your due date is at least 25 days after the dose of each billing cycle. We will not charge interest n new on Check transactions check transactions posted to your Purchase segment provided you have paid your previous balance in full b y the due date each month. JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015.9416 Date Use by 143112010 Pay to the order of VOID 200768 12768 68-7270/2560 42885-01 Dollars Richmond for inquiries call 1-800-833-6393 Signature on 1276811' 1:2560727011:7502145547176"' o a 0 z 0 z M 0 Z O M os m M M 'n in D N = 9 o D S O p ? m ?z D 9 Z O 0 D 9 r N n z N m M 00 N i m M i O 0 E s p z N N 0 mC 0 1* m Questions about these checks? Q: Is there a transaction fee for using the enclosed checks? A: There isn't. You won't pay any kind of transaction fee to use these checks to access your Capital One' account. Q: What APR will apply when I use these checks? A: These checks come with the same APR you pay for purchases you make with your credit card. Q. What is the difference between my "credit line" and my "avalll" credit"? A. Your credit line is the maximum amount Capital One will allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. Q: What can I use these checks for? A: You can use them for almost anything-whether you need extra time to pay a bill, want to give a check a# a gift, or just want to have cash on hand. Another way to use your checks is to consolidate debt from non-Capital One credit cards and loans. Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. They're a great way to "charge it" at places that don't accept credit cards. Important Information About This Offer • Please make sure the total of your checks, transactions and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined i(: Your account is delinquent, overlimit, charged-off, or closed You have filed for bankruptcy Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment A term of your account relevant to the offer (like credit line, APR or your special transfer rate) has changed since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • $0 fraud liability claims are subject to verification and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of your Customer Agreement. Please be aware that the section titled "Y ur Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital One account. • Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. C 2010 Capital One. Capital One is a federally registered service mark. All rights reserved. Imo I I I Z N z v D 0 M GA m m a -n r" t M N A m o > 9 z v Z 0 n r N ? 0 Z Z m -4 m O C0 ? O 9 N =' y ? m 2 O N y m r *m Pay less interest: `? Transfer your higher-rate balances See your personalized, money-saving balance transfer offers that may include: • No transaction fees • Rates kwRSr than your purchase rate Tran sfer balances todail Give us a call 1-800-833-6393 OR Go online Page 1 of 3 l4W4S5.7070 www.aqftlone.com Aug. 03 - Sep. 02, 2010 31 pays in I MIN Cycle ? l Aa1N"PAYMENT W ARN W: If you ndz only the mmuan each period, you b PlkNitltalt Arae9attard 100(X-X)00(-)000(-7176 WIN pry whore an interest and it will takc you longer to pay o8 your For mwrglc Pall m Memel W Period If No AWadrnaa Time to Off NEWVALAKE MINIMUM PAYMENT DUE DATE AAdditionlChaves AreMade statam'"tSalancce Total $15,512.90 $387.90 Sep 27, 2010 Mlnirean Pwrwe 32 Yeas 1318058 i., $560 3Yews '.. s20t62 KM PAY AT LEAST THIS AMOUNT Your 101111108W SwAn a v you pay off this balam in 3 yearc $17,8% Credit Limit: $30.000.00 Cash Credit limit S15,000.00 If you would like information about credit counseling services, can 1-6P8.326-W55. AvaLaable Credit: $14,487.10 ? Available Credit for Cash: S14,487.10 LATE PAYMENT WARNING: If we do riot readve your rninirwm payT?hent a`?dMedae, ' J YouMMYhawtopayakaeteeaupto$35.00and h? your APW may Inueuad up to the Pow" APR of 29.4016. PIIVA S Balance Payments and Credits Fees and Interest awned $15,205.85 - $400.00 t $232.04 } J / \ • TRANSACTI0115 ? PAYMENTS, CREDITS It ADAISTMENTS FOR JAMES D HARLIN #7176 1 25 AUG PAYMENT ($400.00) TRANSACTIONS FOR LIMES D NAIWN #x7176 1 30 AUG BOBBY RANAL NONDAMECHANICSBURGPA $475.01 ? TOW Transactions This Period $475.01 FEES Taal Fees This Period $0.00 Total Fees This Year $39.00 INTEREST aVJW" INTEREST CMRGE:PURCHASES $232.04 Total Interest This Period $232.04 Total Interest This Year $1,804.04 Due Date J ? Transactions New Balance $475.01 = $15,512.90 Access to credit = Peace of mind Adding Authorized Users is oasy- simply call 7-s00-9ss-7870. Enjoy some peace of mind-give r loved ones access to credit whenever tt*yuneed it. 300015 INTEREST CHARGE CALCULATION You Annual Parwrnage FAN WM is the annual interest rate on your account. Type of adence Anneal Percentage Bde- SL%w to Intwest Chw" Rate WR) Imarest Rate Purchases 17.90%D $15,263.25 $232.04 Cash 24.90%0 $0.D0 $0.00 J PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 02 00000004000003870019 Sep 27, 2010 i Account Number. 5291-4921-45547176 New Balance N irdmum Payment Amount Encased 615,512.90 , $387.00 PLEASE PAY AT LEAST THIS AMOUNT JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015-4436 111111,IIIII1.11111'II111111111'1111"'I'l'I'1'1'lll'I'lll'Illlrl GO GREEN. SAYE GREEN! Pay online and save money on stamps. 4--.0y Sign up at www.capblone.com 400008 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1083 nIIIP'I11^nhl'h'hlPtt"Ilnh"11'1'1#I'Il"III?HtI'lul J\ Please make (flacks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Transfer balances today! Give us a call Go online 1-800-833-6393 OR transferbalances capitalone comloffers Transfer all of your higher-rate balances... ? Other Credit Cards ? Personal Loans ? Auto Loans ? Retail Store Cards ? Home Equity Loans ? Student Loans ? Gas Cards ? Home Loans ? Anything you've borrowed =11== ==== in full, ) purdtnu, 2) Whin melhess, 3) *KW pwdUM and q craw dungn. N you have bean Pgdrhg yeti as m" in lull wfM no ImmR charges appxed and you dams pay your scum bxl In full, "wow kawst charges will be araasd. There is no grace Period M ash adermes, transfer, or an any new transaction when there is an unpaid W Wta from a previous Vstew Is the appNad? Interest rdarges arose from the t) dab of the trarraaxon, 2) dabs the kensaabn k ptooasador 9) in akrdar day of the Interns dwon aooue M every unpaid artherm hall h k pal in felt. TMs means may owe antse dsep'u even N you pry the ermine -New Baierhce• one month, but did not do so for the previous month. Impaid niternt dwipas am added b the proper tegmem of Wow Amount. I lassvel m name the night to not antes khhnast charges at try time. Do you assail a MMk2MMMKLQM? Yes. A mxdmumh INTEREST OIAMM of $0.50 will be assessed for esc h bR;j period yaw amount is nA* mto an almost charge. How clan Wmm 7 There m several calculations that m used to detenWnayowtoaaiI OW I .To get your palh'BWnoe: Per Nt)I >eW+enC 1), take the bagketirhg Wbase and add in raw transactions and tMpwbdic Mbnd charge on the predous day't Wlana. 2) Stdprect try paymu+ts and cradile for slat segment as oftiat day. The hesWt. k the dairy balers for itch segment. Nowew. N you paid your "I*- monM's Wbabe in fua (or N )ern bMwo sss two a m a M amoum4 raw tmnsKtlom a hkh post to )our lerchese n spedol purchase legmersts are not added to the daily balances. Also, MeneKtorn that m RA*kl to a gram period m rot added to the daft' Wtanas. 2. To find your Average Oaiy Baianta: 1) add the daft' balertas together and 2) dhlde the sum try Ma rumbas of drys in the aging cycle. 3. Etfinate your TOW interest charge: 1) muMplyr your average daily Wlanca by the daily periodic rate and 2) muitiply the resuit by to number of days in the b;lxrg period. NOTE: Dull to romkng or a mman on interest charge, this akaA mn may vary from the khtimes t dwge actually, aeawed. Now can my variable MMULftlailgaiaLMR (hip flange? Your APR may incrpw or decreases based on one of saran sarsserd xldion reported in The Wag StmetJoterraf. To lard rmfed kdea is used for yow amount, look for a mot (P, L, C, Sr D or F) on the from of this statement led to the Mittel Than dm& the table below codsmastsbytaff 4ellm' ParcQMW Mete(AM) Indert allot your Miss are bated on w Mewl Wit" ta Palo" Role WIN Change waif ehs p OwrteM pMna • margin pwAOUfY dleol ted to you The Rant mmY of the L Qubdw'Y LOW aegis praAoualy disclosed to you baling periods uw C OurleryCD+. margin phaefouaiV dlecbaed b you will in J11MMY, April 5 Banlsad Ptina 4 margk prelauaiy dleoloastl to you , Juy and October. D Monthly Prim- margin WrAously disclosed to you The err day of each F Mantihy MOR+margkhpreWpuney dledoeedb you monehy billing G Trnsury LIBOR . mrpin PrarlouMY dhobssdt o yo Period. my ba or aeVUrhed? MY 4ocourht? Yes, wrier amain drcumst. you Per uMttad by Ion . we reserve the Pay merht Ra. sou may Mho ba dtrged orerxnik fees o yo right to not assess fees widow pro, noon and wfthow vwivklq our right to ales, a simxw fee law. "60' can I .Eg1M1? You may dose your amount by ailing or w hi g ow customer Relations Department. At that tine, see Mx provide additional details including payment ntomatiom if you use your credit card or ahargn post to your amount after you ask w to does it, re can keepyow account Open.TO avoid paying any applicable memperd9p fen, all to clog your account prior to the eM of the cycle in Which it is scheduled to be ailed. What happens N try a=Nl,y We may does or susparl yow amount and your right to obtain auk at any tee and for any Moon, evert N you m not In default Amount suspension can be permanent or temporary. If your amount as dosed or suspended you must 1) stop wing your credit aril and amount 2) canal all automatic payments, 3) dab" aB credit cards and access checks, and 4) pay all amounts you owe us, seen N the ware charged after the account was dosed or suspended. How do 1 ? Payments you mail to w will be credited to your amount n of the business day We "min iC a long a: 1) you send the bottom portion of this statement and your cheek in the enclosed remittance envelops, and 2) your payment Is reabed in one of our poasirg anters by fpm teal dine. Rita alum at last (7) business drys for mail dekery. 002 02 aaailed ants iwd by w at any other location or in any other form may not at of 0:1; re necaNe them. 10100tionlic Fiends When Do yeW PPanY papMOledO of M you pnaelde a dedc al paymwtt, you authemaa w and our agases aitfer to w trAorreen rom yew dadtto make on"I a alacowk fund transfer from yaw I P amgohsrt or to the payment a a tiherk transaction. When We use IMOmuilim from yaw dodo to an door onic fund transfer, funds may be wkhdrewn from your Mposit ahyahnta. nthe toe day we rsaie your Paylmefn and you" not naive your trek bads troro w f8enW1 Metltuton. Your authwtlti*n is not limited by the date, on the check. We may and efacVOnkaxy collect oho retuned payments. What N I fk for lankneficaR if you m entitled to Wnlouptcyr Pro ,ids commwdatoOk /a a_ only, N it not an Mxmpt a serer or Hover a debt or Balm. Do not send us paymems vldour speaking with ywr Attorney or the aenkruptcy Cam. N you Or Wow atromay aWId ales to contact ow claims sovim ?rmm*y. plane co-ed: Capita Ono • PO Bat 85167 • Rdenend, VA 32853167 MI.Ltlrf MOWS PJKOA RY (Dow Not Apply to Small Bwkese Amcwro) Whet To Do N You Think You Find A Mistake On Yom StatemencIN you think them Is an error on your statement, write to wet Cepial One P.O. Box 30285 snit take city, UT 84130-0285 In your letter, give us the following information: Aggg= : Yaw name and account number . OWN MXRMM : The dollar amount of the suspected error. . 91 . N you think them Is an emor on yow bin, describe what you believe is wrong andwfiYyou baxaw it Is a mistake. You must 0sMad w within 60 dap afar theerror appumd m your You cost mtily w of any patantiel errors tDwritho. sou may ax w a notify w alectroniraxy, but if you do we m not noumid to inastipaa any poamhl smors find you may have to pay the amount in question. While we immidgese whether or not them has been an error, the tollbwirg m truss we cannot try to collect the mount in question, or report you n on that amount The charge In question may nmrln on your statanwht, aM we ma names to charge you y interest on thr amoum, but N We detxmme that we made a , you ehl not haw to pay the amount in question ar any interest or other fan nslabd to that mt. •While Yam do not have to pry the amount in question until we sand u • notks about the outcome of our Investigation, you are, responsible for the rarnairder f your bdana. • We Carl apply any unpaid mount against your credit limit. Your ppMs N You Are Dissatisfied With Your cndh Gerd Punciseass N you m d;sutefied wpM Me geode or sewkes Mat you bare purcfeesa with Your cradle r ad you have VIM In ar4 good faith to correct taw problem wiM the nerdarrt, sou spy ham right not to pay the room" amount due on the Purchase. To ua Ms right, ax of the must be true: 1. The Purchase must bars bean rode in your home seta w within 100 nixes of yaw current maxbg address, and the purchase prom must hoe been room than S . flow: Neither of Mee are necessary if your purchase was baud on an advertbamentwe to you, or M we own the company that sold you the goods or services.) 2. You must sham your credit card for the prdaee. Purcheses made with cash advances from an ATM or a d»ck that arenas your credit card amount do mt qualify. 3. You must rem yet have fu paid for the purchase. if all of to criteria above are met and you am sox d welshed with the rdase, contact w in wribno at: capital one P.O. gos 30285 Salo Lake City, UT 84130-0285 While see oestlgea, the ems rules apply to the disputed amount as --'"`"- above. After we fintsh our Investigation, we wan tell you ow derision. At that point.yB we Mink you owe an mount arhd you do not pay we may report you a delingtenht Capitol One supports information privacy protection: are our variants at www.co oitaloe.com capital One Is a federally repktred smite mark of Capital One Financial Corporation. All rights resrvM O 2010 Capital Ono Tc-08 05,01/10 Changing Address? Address .............................................. ...._.............. ......................... ........................................................................................... Home Phone ......................................: ................ 0 Alternate Phone ................................... _...................................................... E-mail Address ............................... _...................... .................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payra*nts online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processif • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015-9416 Use by 1113ay2olo 200768 12769 68-727012560 42885-01 Pay the V order r of For inquiries call 1-800-833-6393 Richmond, VA Dollars Memo Signature 111&2?69R' 1:2560?270ii:7?02f45547i761I' Use your account even where credit cards aren't accepted The checks on this page give you easy access to the available credit on your account. However you use them, they come with your purchase rate -and no transaction fees. Any checks you write will show up as a transaction on your statement, just like a purchase with your card. These checks are great for: Purchases Use one if you need to make a purchase where credit cards aren't accepted (like at your wholesale club or a craft show). O'Cash Write a check to yourself and cash it at your bank. You'll get the same rate you pay when you swipe your card for a purchase. Transfers Transfer higher-rate balances to your account. Just write one of these checks and send it to your other creditor like you would a normal payment. PLUS. TRAIlVfSACnbN FEES! Transfer balances tNodavl Use the attached checks OR Give us a call 1-800-833-6393 OR Go online transferhalanres Mitalol a xorryallers Interest and Fee Infomnation APR for Chad Tmrvactions You will be charged the APR for Purchases, currently 17.90%. and Balance Transhas This APR will vary with the market based on the Prime Rate, as previously disclosed. Fee None. Now to Avroid Paring Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new on Check Transactions check transactions posted to your Purchase segment provided you have paid your previous balance in full b y the due date each month. JAMES D HARLIN 200768 505 GRFASON RD 12770 CARUSLE,PA 17015-9416 Date 68-7270(2560 Use by 11/342010 42885-01 Pay the order r of Dollars Richmond, VA for inquiries call 1-800-833-6393 Date Signature 8'1277011' 1: 2S607 270 147 SO 214554? I?GLI' '.. g a Z Z a a O x < E M M M 0 m m m 2 S D M w M M m? m Z ; s M o z O 0 Oa ra o i m Nz a 1 m m M y O g= M P 0 to 0 m C *m Questions about these checks? Q: Is there a transaction fee for using the enclosed checks? Q: What can I use time checks for? A: There isn't. You won't pay any kind of transaction fee A: You can use them for almost anything-whether you need to use these checks to access your Capital One* account. extra time to pay a bill, want to give a check as a gift, or just want to have cash on hand. Another way to use your Q: What APR will apply when 1 use these checks? checks is to consolidate debt from non-Capital One credit A: These checks come with the same APR you pay for cards and loans. purchases you make with your credit card. Q Q. What is the difference between m : Where are these checks accepted? y "credit line" and A: These checks are accepted wherever you would use your my "available credit"7 personal checks. They're a great way to "charge it" at A. Your credit late is the maximum amount Capital One will places that don't accept credit cards. allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. Important Information About This Offer • Please make sure the total of your checks, transactions and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if: Your account is delinquent, overlimit, charged-off, or closed You have filed for bankruptcy Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment A term of your account relevant to the offer (like credit line, APR or your special transfer rate) has changed since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • $0 fraud liability claims are subject to verification and investigation. These tbecks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of your Customer Agreement. Please be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital One account. • Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. ® 2010 Capital One. Capital One is a federally registered service mark. All rights reserved. M 0 I I T no O M E 0) N va m M mm = D m p y T s 9 m 0 D D 9 a o Z p 0 is r ? O G - Z a m M 1 m ? m a yo m ? E 9 = P N $ m r ? *m IT'S RANKING YCMM WAY. TOMY, InterestPlus 1.35% Online « Savings rAnual Percentage Yield (AP'Y) with $1,000 or more GREAT RATE • 10% BONUS • NO FEES Just open a new loge Omftw Sods" account online using Offer Cade BONOS59DF and have a balance of $10,000 or more on 10/31/10. Use Offer Code: SONUS59DF so wNr SHOUM r r" sir • Start with a GREAT SAM MS RATE with a savings balance of at least $1,000. • Then get a 10% QUIkR'1 Y MoIrM on NM ST when you use your Capital One® credit card once a month or keep an average balance of $10,000 or more in your savings account each month. • Then watch your savings grow. Because there are 00 PM to hold them back! Learn more and open online at capitalonexom/bonus9 Use Offer Code: BONUS59DF 'Turn over for more information and important disclosures. C"Pama 2DO792 200792 InterestPlus Online Savings 5 Just open a new InteresliPl is Online -0 FANDGET Si Savings account odne us* Offer Code 1.3 5?Arr BONUS59DF and hate a balanc of $10,000 or more on 10/31/10. Learn more and open online at capitalone. onv%onus9 Use Offer Code: BONUS59DF AS RAfiE AMONG Your money can grow faster-powered by one o the THE HIGHEST NATIONyU1DE highest savings rates available in a savings or mo, ey market account. A 10% QUARTERLY BONUS Four times a year you will get a 10% bonus on you Interest ON YOUR INTEREST EARNED earned. Just use your Capital One credit card once 0 month or keep an average monthly balance of $10,000 or ! more. NO FEES That means there's nothing to eat into the interest you'll earn with our great rate. Enjoy complete online access to your money. Make EASY ACCESS TO YOUR MONEY unlimited transfers into your account, and make free transfers to other bank accounts up to six times 0 month. OUTSTANDING CUSTOMER SERVICE Just because this account is online, it doesn't mean it's less personal. Our banking representatives are just a phone call away. Learn more and open online at capitalonexcaVbonus9 Use Offer Code: BONUS59DF APY in effect as at Ogg3/10.13S%APY apples io account balances of $1,000 or more. APYapples to baboons less than 51000. Rates are variable may clump at any time. Minimum deposit required to open the account is $1. Withdrawals by onbe transfer are limited to six per gIandar month. vac quarterly bonus will be equal to 10% of the interest earned on this account in the previous quartec In order to be 64bte to receive this ben s, your IniercstPlus Onl' Savings account must be open, and you must either maintain an average monthly balance of at least $10,000 in this account every month during the previous ppnrw you must be an owner of an active Capita One Credit Card in good standing (not restricted, not over Gmit, not past due), with at least one transaction per calendar mont . The bonus will be paid to your InterestPlus (Marie Savings account within 4-8 weeks after the end of each quarter and will be reflected on your statenttM. This accou offers electronic statements only. The amount of the bonus may be reported to the IRS as required by applicable law. Terris and conditions of this offer may change at an time, You will receive a $50 bonus if you opens Capita One Bank hderestPlus Online SavmmQQaa gPD$) account online only tfte offer code at the time of acc nt opening, and have $10,000 or more on deposit on 10/31/1 This amount must be your first khteresllks orlon %** account w "law One Wilt. You are eligffle tar this promotion only if you received this offer from Capital One. This account must remain open 43 weds after 10131110 du ft which time the bonus w be "stied into your amount. The bonus will be reflected on your monthly statement and will be included in your yeer4o-date interest and year end toX reportingrhis offer cannot be combined with any other offers. This product is offered by Capital One Bank (USA), N.A., member FDIC. 0 2010 Capital One. Capital One is a federally registered service mark All rights reserved. important not' 'cation 500525 of a change in terms to your account Please refer to the Important Notification of a change in terms enclosed with this statement. It explains in detail how, consistent with new federal credit card rules, we've revised the followiing account terms and policies: • Late Payment Fees • Other Penalty Fees • Limitations on APR increases Please note that these same changes are being made to both older and newer accounts in an effort to consistently implement laws that only recently became effective. Page 1 of 4 1 X00 955*7070 11 ww.capitallonexam Sep. 03 .OcL 02, 2010 30 0ys in Baling Cyde ? J ... MINIMUM 1101"ININT rMarING: d you mra any the mnmum payment each period, you wa Pay more in interet arrd k w81 tra you ImW to p" off your br For amr*,. ( )000(-XX)0(•Xx1067176 Panrrnt Am" Each Period N No Apprardmata Tim br Par OMI EWmrbd NEW BALANCE MINIMUM PAYMENT DUE DATE T AdMotd Owges Are Made star met Mlrru Tarr coat $17,271.% $41S-00 Oct 27, 2010 Minimum Pa"M 33 Yews 542,462 $624 3 YOM $22,448 PLEASE PAY AT LEAST THIS AMOUNT i Your erinaad saWnga N you pay eR tMa balance In 3 yeam $20,014 Credit Limit $30,000.00 Cash Credit limit: 515,000.00 d you would ME irdarma On about Credit counseling serNas, car 1-88b-3268055. Awilable Credit: $12,728.04 AvaU* Credit for Cash: $12,728.04 LATE PAYN ENT MN#NW-e N we do not receive your minimum pa by your due dae, J you may her to pry a lace fee of up to $35.00 and yaw APRs may be naeased up to the Peruky APR of 29.40%. Previous Balance $15,512.90 - ` l Payments and Credits Fees and Interest Charged Transactions New Balance $450.00 t $242.65 + S1,966.41 = ,$17,271.96 hrt+?st?us w • Great savings rate • Quarterly Bonus on interest earned • No fees Learn more and open online at capitalanedirect.com/inteTestplt S 300009 INTEREST CHARGE CALCULATION Your Annual Percrrtage Rate (APR) is the annual interest tale o your Kwunt. Type of Balance Annual Percentage Belem Subject to ltrhrast Chemge Rate (APR) law" Rage purchases 17.90%D $16,493.16 $242.65 Cash 24.90%D SD.D0 $0.00 TR CTHM PAYMENTS, CREDITS & A1M1STMENTS FOR JAMES D HARLIN #y7176 1 25SEP PAYMENT ($450.00) TRANSACTIONS FOR LAMES D HARLNJ #x7176 1 04 SEP USABRWAY 0378613830410414ORWALKCT $175.40 TK8:03786138304104 PSGR: HARUwCA1TUN ORIG: MDT, DEST: PHL S/0: X CARRIER: US SVC: U ORIG: PHI, DEST: LAX CARRIER: US SVC U 2 08 SEP PADDOCK WINE AND SPNINJODDBINEMD $28.61 3 17 SEP PAY'002008 BURBANKEXT866-289-5977CA $325.00 4 20 SEP PAY'0020M BURBANKEXT866.289.5977CA $1,425.00 5 29 SEP NEW GREAT WALL BUFFQPSCARUSLEPA $12.40 ? Total Transactions This Period $1,966.41 Transactions continue on page 2 J PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT 1 5291492145547176 02 0000000450000415094 ? MN Account Number. 5291-4921-4554-7176 Due Date New Balance Minimust Payment Amoart Endaad BE C oc 1 Oct 27, 2010 $17,271.96 J $415.00 J J Your trash owitl be an identity thiePs PLEASE PAY AT LEAST gold. Manap yw acCOW1t on** THIS AMOUNT and end the paper trail. JAMES D HARLIN 505 GREASOM RD CARLISLE, PA 17015-9416 ,N??l?i••Ili•hH?lthlhlhll?Irh?IP?llvlrl?l?lhlh?n,y Sign up at www.capralone.com 400DD9 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC P627P-3063 nlllh?llh?nhl?4rllptll..Ihilr?lhhlN?rl??tl?tlld?htl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JJ l Now can I avow psykq Oisfieft? Eadh month you pay your "New Wince" In full, you war hom a minimum wow paned Is days with no ktert due on ON new 1) Pill eitapM, 2) bats" tra sift , 3) special purchases ersegoter cergat H you have been paying yaw accerism In full with no 4 ran charges; applied ard you do not pay yaw rod bill In full, prom Nd knterat the rgea will be sessions. Them it no Raft period cash adeances, ipecta trerhalera, or on sy new tramectbn helharh diare ism unpaid balance from a previous bill. Hoak the jolina&hM as~ merest changes aCCrUe from the 1) daft of the transicTion. 21 data to transaction is processed or 3) first calendar day of the b&V period. Interest charges accrue c in awry unpaid amount until It Is paid in full. This rteanyou may over Intact charge eaten If you pay the arms -New babnca" one month, but did not do a for the porous month. Unisaid liana darye m aAd to the pops sapnant a your Account. HowawR, we massive the ergot to not assen kltimes changes at ay time. Do you erase T Yo. A mimmean IN'1fAeST CHANGE of $0.50 will be sawka@d for b period your account a a iblact to an ntenet change. How did you. t Thee an several calculations that m used to deeNndnpyourtokMkl$Mretdharge. 1.To gas yaw Daily Balance: For each sans is 1)take this beQkmktp balance and add in thaw tasecdom and the parodic interest charge an the PMAO" drys baked. 2) Slabbed ay paymam and cro I forthataegnent s of that dy. The rust Is the daily balance for each ipnem. However, It you pod your previous months balance In full for a Vow balance was sms or a credit amounts new tra eac0om which post to your puchw or special pu draw asgmems am not added to the day balance. Also, tramectiom tetmsub sC to a grace paced m not added to the daily baleros. 2. To find your Avarsige telly' Warne: 1) add the duty balance$ together and 2) divide the tan by the number of days in ere bake cyala. 3. Estimate your Total Interest Charge. 1) muMply your awrege daily balance by the daily periodic raft and 2) mukipy the refit by the number of days in the killing period. PIOI'E: Cw to rounding or a minimum interest tsarge, this cakubtion may eery from the inane danger actually assessed. How can my sealskin a ,aft (AM thing? Your APB may moment or detnw brad on oft at am" "% ad indite reported in The Wag Street JOUeW. To find which Risks: if Land or yaw account, Wit for a code p, L, C, 5, D or F) on ere front of this sUMOMM man w the APFO). Than deck the table Below: assameakeyeass, AreNal PaoMlYtpe MofAfMt) kdnv M icl yaw rase am based en - When your Anmsl PU M O Mee wlNaim" p Case"Prints* merpn DnMouMY disclosed to you The Bret day tithe L Clumsily UBOR a margin pnMOtsly disposed to you b*V pa I Vied C Ou*rWy CD* margin previaaly diseased to you and in .kvaey, April, S Ban tad Pens r mean praiouely dkdosed o you .key and Graeber. D Marbly Peter • margin prenoualy ducked to you The first day of sun F Monhy UHOR+nnegh WwAm ydecbWowu nNXIN ybNNng G Treasury UBOR• moon pimooly disclosed in you pwW- An than addlikeollulaga aowdated aria my account? Yes, under amain circumstances, you may, be assessed a Lae or Returned Payment res. You may also be tamped ovaNmtt fees if permitted by kw. We reserve the rigs to not anew fees without Prior notice and without wWamg our right to awes a smiler fair later. Hew can 1 QUILWAMMoV You may dour yaw account by a** or writing our customer Relations Dapatlnant. At that dine, we will provide additlona data Nt including payment Information. if you use yaw credit card or charges post to your account after you ask u to dose it, we can keep your socoum open.TO avoid paying ant appNrable membership fees, all to doe your acceum prior to the and of the cycle in which It Is scheduled to be billed. Mfia happens it my We may cosh or Respond your account and your right to obtain credit at my time and for any reason, elan if you m not in dal". Account suspaebn can. be Permanent or temporary. If your amount a closed or suspended you must 1) sop IWIg your credit card and adaaum, 2)canoa all automatic payments, 3) destroy all credit ards and mows checks, and A) pay all amounn you owe u, awn N they ware charged after the account was dosed or suspended. How der 11NIIMJMM MW Payna m, you mall to Las Will be credited to vow Kwunt as of the cumin day we receive k, in beep n: 1) you send ail bottom portion of this statement and your cwQ in ere enclosed ramkWnce s old pe, and 2) you payment k received n one of our protean carriers by Spin local time. Please show at Iasi (7) business days for mail deewny. Mailed paynems nceired by ut N any other location win cry other farm my not be credited as of the day ws receive them. Do you Preces Paper Checks as on you provide • died a s pay an you sudwrtu wand inn aplnbf Nt w'o 0se bfor - your check b to Win onietimeekcoinc fundtrahderfmmyow depoak atmkm or to W" W theperrtrharnin& diack transaction. Whim we use-kdormstimn fnan your check to make , in 4W3tW c fwd trawler. funds nay be VA*dri mmfmm your deposit atlwaatr aeon tiha smedyws node your payment and you will not moon yawdredt.be& lmm %low*kWitrnion. Yowawd a eason knot kin hed by the data m tha theist, we my. and electronically C~ an muff" psymeents, VA"t N 1 I%for, f if you are embed to bankruleb y n, ask o nw4o*mbn Is for infiessraften a*, it is not anatempt to ae/ea,. ". or recovera debt or dais: Do not cad us payments without speaking wfa yaw _ aMOmey or the eataupkv court. d youcr yaw atomeywedd Bur to contact ow claims similar directly; Islam oa entt Capital One • PO Ink ISM • I cIviva d: VA 167 ELL= IBWers.ROM AItY (Dow Not Apply to Small Busines b) What To DO If YNI TMdt You Find A Mktake On Your statement you think than Is an W= on yew SUVJWAt, write to ue at Caput one ',. P.O. 1101, Sam Sark Was city, car 8413D*M '.,. eemr on your bill, describe what you believe is YOU WKM C Mad m vjivern BO Okys aHt Owe appeared on yaa ta7=u, You mustno*as of any Potential wrap in fififfino You my capus electroniWy, but d you de wilm nth epdnd to maakes" ally potential !store y have to pay the amount in assassin Whileere invataIslM.whdhe or erec tlureihs been. an error, the b am true: - We carat try to ra9ad the amount in gwWan, or report you a 'ngwnt on that amount. . TheehepeingsMbnmryreuWul anyOUfNMWrem,andwemey mtargeyw knees en thas alhtpunt. But y vvediNMmM tlet era math a rebta a yw w1N rot haw o pay the amour" in4mu imway knwkstatoowfmn n, im that t. 1110hNe You do riot have to pay the amount In suasion wild we and u a notice about the outawas of owkwaWgnon, you mresponsible for the remainder o your balance. - we csaLn.ra,.s.* any unpaid amount agiost Vela of*Init. ii Yaw gloft M You Ave ObsodtBadVAth Your Credit Land if you am dissatisfied YWMh tie gook a srvices that you had purdnasd with your va1Bt , and you hail tried In good 4dth o Lonect thn Prablan withthe rmndamt, you may hot riplt not o pry the remalr i g amour due on the purchsa. To Lee ink ftgk? all of the. mLat be true: t. The pudtaaf must have been made try your home stall avYWall 1DD is your current nn•INrng eWnss, and the purchase pace mot have been more than s .(Now. Neither of these m necessary If yaw purchase, was brad on an atksnkdment we to you, or t we own the company that ON you this good; or sanicu.) 2. You Piet have your cedit card for thepurchaw Rmchn s made with cask advancesirm an ATM in a died that spoken youraredk Lard account do not gwNy. 3. You must tot yes hreefu paid or the pundhee. If all of On crhark above m ma and you are IN dkmkNed with the rehear, contact us ingyjgpp at capital One P.O. Bas 30265 sit Lake City, UT 84130O2a5 While we MVKWM, ON same riha apply to the disputed amount a discussed abovm. After we finish our Investigation, we will tell you our decision. At that point,) N we think you owe an amount and you do not pay we may report you as dapnquant. Capital One suppau ktonWOn prelacy protection: ses our websa at www.apital-com Capital Ove is a federally registered smart mark of Capita Oft Financial Corporation, Ali rights reserved O 2010 Capital Ore TC-0a 05/01/10 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail Address _ ............................................................. _.......................... Please print address or phone nwtter changes above using blue or black ink. Not quite ready to make payrn*nts online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your Check to the payment slip. • Be sure to use the payment envelope that !came with your statement. Using a different envelope could delay processi, • Please don't include any additional correspondence. • Last but not least, be sure to write your 1 h'li-digit account number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitelone.com Page 2 of 4 1-S0MS-7070 / www.capltaione.com Sep. 03.Oct. 02, 2010 30 Days in Billing Cyde Credit limit $30,000.00 PaUaalll MnaeairCard 1000(-X)00(-X)00(-7176 Available Credit $12,728.04 NEW BALANCE MINIMUM PAYMENT DUE DATE Cade Credit (lent $15,000.00 $17,271.96 $41S.00 \ Oct 27, 2010 J \ Available Credit for Cash: $12,728A4 J Previous Balance Parnentt and Credits Fees and Interest Charged Transactions Now Balance $15,512.90 - $450.00 + $242.65 + $1,966.41 - $17,271.96 ,TRANSACAONS CONTINUED ; FEES Total Fees This Period $0.00 Total Fees This Year $39.00 INTEREST CHARGED INTEREST CNARGE:PURCN4SES $242.65 Total Interest This Period $242.65 Total Interest This Year $2,046.69 200811 o a change in terms to your account We've recently made changes to the following account terms and policies. Please take a minute Ito read about the changes to ensure you fully understand their impact. Effective December 5, 2010, your late Payment Fee will change. This change is described in the table below. Please be aware, you cannot decline this change to your Late Payment Fee. Late Payment (Past Due) Fee: Up to $35. Late payment fees will now be based on the amount of the minimum payment due, and whether the account was late during the previous six billing cycles. Changes to other penalty fees: Consistent with new federal credit card rules, we've revised the following fee policies. Ind will your fees be higher than they were before this change. In some cases, your actual fees may be lower than the maximum amounts below: Over-the-credit-limit Fee: Up to $29. This fee can only be applied to your account if you give us permission to charge a fee when you go over your credit limit. Returned Payment Fee: Up to $35. Limitations on Annual Percentage Rates (APR) Increases: We've recently revised our policy on interest rate increases. These changes include the factors we may consider and notices we send when increasing rates. These changes are based on the new federal credit card rules. We are not increasing your current rates at this time: • We may increase APRs on existing and new balances if your account is 60 or more days past due • We may increase APRs for new transactions after your account has been open for a full year,', based on any factors, including your creditworthiness and market conditions • We'll always send a notice that lists the main reasons for increasing your APRs at least 45 days before the increases take effect • If we ever increase your APRs, we'll periodically review your account to see if you're eligible for a rate decrease JAMES D HARUN 200768 505 GREASON RD Date 12759 CARLISLE, PA 17015-9416 Use by 17/'31/2010 68-7270/2560 42885-01 Pay the V0#order of $ Dollars G For inquiries call 1-800-833-6393 Richmond, VA Memo Signature owl 27S90 1: 25607270i1:7502i45547i76R1 Use your account even where credit cards aren't acre, The checks on this page give you easy access to the available credit on your account. However you use them, they come with your purchase rate and no transaction fees. Any checks you write will show up as a transaction on your statement, just like a purchase with your card. These checks are great for: Purchases Use one if you need to make a purchase where credit cards aren't accepted (like at your wholesale club or a craft show). Cash Write a check to yourself and cash it at your bank. You'll get the same rate you pay when you swipe your card for a purchase. Transfers Transfer higher-rate balances to your account. Just write one of these checks and send it to your other creditor like you would a normal payment. PLUS. TRANSACM* FEES! Transfer balances t ddav! M Use the attached'Ichecks OR { Give us a call ® 1-800-833-6393 OR Go online Interest and Fee Information APR for Check Transactons You will be charged the APR for Purchases, currently 17.90%. and Balance Transfers This APR will vary with the market based on the Prime Rate, as previously disclosed. Fee None. Flow to Avoid Paping Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge interest o new on Check Transactions check transactions posted to your Purchase segment provided you have paid your previous balan in full by the due date each month. 200768 JAMES D NARUN 12760 505 GREASON RD CARLISLE, PA 17015-9416 Date 68-7270!2560 42885-01 Use by 12/3112010 Pay to the order of VOID $ Dollars C / For inquiries call 1-800-833-6393 Richmond, VA Signature Ra12760Ra 1: 25607270ir:7 90 2 145 516 7 17 6KN 0 m M0 N 2 O m0 O D ~ 9 <E w m a m o m m O = M D y M r? m Z ! Z 9 O n a > r N 20 m C O ~E m m r r *m Questions about these checks? Q: Is there a transaction fee for using the enclosed checks? A: There isn't. You won't pay any kind of transaction fee to use these checks to access your Capital One* account. Q: What APR will apply when I use these checks? A: These checks come with the same APR you pay for purchases you make with your credit card. Q. What is the difference between my "credit line" and my "available credit"? A. Your credit line is the maximum amount Capital One will allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. Q: What can 1 use time checks for? A: You can use them for almost anything-whethgr you need extra time to pay a bill, want to give a check as I,a gift, or just want to have cash on hand. Another way to use your checks is to consolidate debt from non-Capital 6ne credit cards and loans. Q: Where are these checks accepted? A: These checks are accepted wherever you would Luse your personal checks. They're a great way to "chargeit" at places that don't accept credit cards. Important Information About This Offer • Please make sure the total of your checks, transactions and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if! Your account is delinquent, overlimit, charged-off, or closed You have filed for bankruptcy Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment A term of your account relevant to the offer (like credit line, APR or your special transfer rate) has changed 'since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • $0 fraud liability claims are subject to verification and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of your Customer Agreement. Please be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital One account. • Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. C 2010 Capital One. Capital One is a federally registered service mark. All rights reserved. I I 0 m v 1 a o m T T = m Dy T y M 0 Z r T 2 Z = -4 ? T C r ? g c? m r m 500008 ~Sier¦asweNae7 It could happen to anyone. Make sure you pay the amount JAMES D MARLIN due on your statement as soon as possible. Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES ' BETTER INTEREST RATES (good credit could mean lower interest rates) IMPRIMD CHANCES TO GET APPWJE? FOR LOANS (when you want to buy a home for new car) C 2009 Capital One. Capital One it a fedemUy regisured servire mark. AU rights reserved. Page 1 of 2 1-s00.95S•7070 \ www.capkalarn.com Oct. 03 - Nov. 02, 2010 31 Days in Billing Cycle ? l .. MINIMUM PAYMENT WARNING: If you mdre only the nsran m payment each paod, you will pry more in interest and it Will take you longs t0 pay off your bakince. For example: PWirrrrw MaaY1 Ca1\l XXXX-X)00(•1000(-71)6 Peru Annw,t Each ?? IF No Appradntaw Tbea w Pay d NEW BALANCE MINIMUM PAYMENT DUE DATE Co Adratlolsal Chargas M Made StatamamEalMn ToW Coe ToW $19,101.53 $905.00 Nov 27, 2010 Minimum Payma t 34 Yeas 546383 0 you would Mae information about credit mwoeling sentim, call 1-8&3268055. PLEASE PAY AT (EAST THIS AMOUNT LATE PAYMENT WARNiMG: M we do not renlve your minimum dater, parrn ; em by your due i Credit Limit: $30,000.00 Cash Credit Umit: $15,000.00 inlu my hose to pay ataw fee at up to $35.00 and your APRs may ncreased up to the Pensity APR of 29.40%.. Avaiable Credit: $10,898.47 ? Available Credit for Casts: $10,898.47 l Previous Balance Payments and Credits Fees and Interest Charged Transactions 144 Balance $17,271.96 - $0.00 t $299.49 + $1,530.08 c $19,101.53 You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. ¦ 9;k HI„ llt? ?V ¦ TRANSACTIONS PAYMENTS, CREDITS A ADNSTMENTS TOR JAMES D HARLIN #7176 Just pick up the phone. TRANSACTIONS FOR LAMES D HARLIN #7176 1 08(X7 PRETZEL PLUSCARUSLEPA $4,23 Call 1400-955-6600 and a specially trained agent will 2 11 OCT HERSHEY MED•CAFETERQPSHERSHEYPA $5.98 be happy to help you check your balance and make pa ments 3 13 OCT Orem King Buffet QPSCarlislePA $12.67 y . 4 15 OCT PRETZEL PLUSCARUSLEPA $4.23 5 18 OCT HERSHEY ME4CAFETERQPSHERSHEYPA $4.79 6 21 OCT PAY002008BURBANKEXT818.848.9048CA $1,475.00 / 7 22 OCT HERSHEY MED•CAFETERQPSHERSHEYPA $3.06 INTEREST CI URGE CALCULATION 8 22 OCT HERSHEY MED-CAFETERQPSHERSHEYPA $5.32 9 22 OCT HERSHEY MED-CAFETERQPSHERSHEYPA $1.10 Your Armed Percentage Rate (AM is the annual interest raw on your acmum. 10 22 OCT HERSHEY MED-CAFETERQPSHERSHEYPA $4.14 Type of Balance AnwAW Peraerrtage 11dar a Subled to Intwed Chege 11 24 OCT HERSHEY MED-CAFETERQPSHERSHEYPA $9.56 Rate (APR) lot~ Rah ? Total Transactions This Period $1,530.08 Purchases 17.90%D $18,055.80 $274.49 Cash 24.90%D $0.00 $0.00 Transactions continue on page 2 Due Date PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 02 00000004500009050011 r 1? Nov 27, 2010 j Account Number. 5291-4921-45547176 New Balance Minimum Payment Amount Enclosed 619,101.53 J $905.00 J J PLEASE PAY AT LEAST THIS AMOUNT JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015-9416 I11,1.,1..1h.1.[111111111... I If I••II I III I IIIIII-1-116.11...1.11 Plem make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope, Take aftar"ge. Taw cQ ltraI. Manage your account online at www.capitalone.com Make payments Review account information • Manage your account in privacy 400006 Capital One Bank (USA), N.A. P•0. Box 71083 Charlotte, NC 26272-1063 1111111.111--11111•Ir1111W.,IIIIh--ll-I-111.I1??11011111111 Move can I nallf Paying l l Each month you pay your 'NM Balance- k full, you wig Mraa mklaeen gram passed! of 25 days wNh no i eemat charge on all new 1) purchase, 2)paWeetnMers, 3) Vast! purchases and 4) othardarps, t you hula been payag yours swum in fallbath the s twat charges applied and you do net payyau rna bill n fsA, grerared lmeaa drllrptwM be assessed There is no gram period on a1h adva ssia. WKW tram a s. or on any raw uoW Wion when there b an unpaid balance from a previous b0. Mow le tw aPytled7 Into charges scam from the 1) data of the transaction, 2) 00 Installation is propaad or 7) first calendar day of the Wing period. Irltal dwrgel aeesw on wary spat amount until it is pad In full. This means you may own kh[•ast chill" assn If you pay the antba'Ne r Malance' one month, but did not do w for the pne"s nrarhdn. ta4sod mono shape ere added to Me prrpw iegrr mr of yow Account. Fiown.ar, sea seem the ttyt to notables 4 me charge at any cure. you ae assed d ht wds6PYti0 peJONMLQMW riod your aomun b A rutid to an meanest dv of SO.so vAl be Hoar df d fla+ Sol"* *k Alill" T Thee are sews[ calculations that ale used to deenNhayRW WW keareoc %l 1. To gat yaw Dally Ilaeno:. For ooc h sapmmt, 1) take the bbgrdk00bi4no adaidd in new transaction and tlhePwlodic kterea charge on the prow"... loo's trlnea. 2) WaYMd any pynhentsasd C/wkb fen t et op nt w of tat dy. The nwdtis to dally, beano for each seglranL 1lowee, d you paid you prawous month's balance In full flan R yaw baiaies, was we or a credo arnosmt), m er bWractbm vehich Port to You Purchase Or pedal Pdrdhase ngMWO art net added sot the daily belanon Also, transactions tatara suhfed to e grace period as not added a the daily balance. 2. To find Your Avar00 DWVBsIuncK 1) ads the daaybd&M tegat w and 2)dEMde the cam by the rxmhbasof dye o the beer cYUa. 3. Bdmataywtowl Nniraat CAnge: 1) mukply Your warap disk" ' O by the duly pentode f4ft OW 2) multiply the natdt bytes number of days can the Wire peiod. NOTE: Due to mhadng or a minimum kmreat charge, tha calculation may varyfrom the kltalett d1Ngt seisearassapd. Now bah my Yerlable (Aall) dnwge7 Your APA may innaae or dectaase based on aft at so I AWvec inoi[M mowed in TOW WON Sbaetlournai. To find whldh I Barb read far yo r aaafunt, look fora code (Is, I, C, S, D a F) on the front of this star : nos to the AFl(s). Then dad the table below MdbytAw Anosnl iMONtlage RNs ?) isn-W- wkeb Yom rates are based m WbopwAemu i Rase P Ousdwy Petro+ merge paesWnly, disclosed b you The feet nay of the L Oaaart ily' UVOR + marin PnNose ly dsdYed to you bileg periods tat gWh Ply, diedoeaa to you OLOAW aid kJaraary, April. 5 td prime, + margin prerbusy, dMUeeed to you July end Ocotsr. D f MWft prime +rrerin preNOuely dlwtoaed to you The rest dry of each F mww L60R+I erlan Prevbusy desobeM to you xxvi ybeing G Treasury, LBOR+ moon pwnowy decked to you peed. A-13 ows onodaw cam my wAmmt7 Ya, Under sane. dreuwmwn m you nay be erases I* law or Assumed payment Far. You may also be charged owremk fees t permttwd by law. We mwree to ADM to not asap fees Without prior notice end vatout waadrhg ow tyitt o seen s Munger fee later. Now cm I 0MAkAMW You may does your account by aping or writing ow customer relations Department. At tot time, vre sea provide additional dwaI odudhng payment ktorrratkn. if you use your oaks sad a charges Post to yaw amount afar you ark us to don a, we an tspyw acowt opm.To wow paying any appwabis membership fees, all to cow your aroosmt pdate the lard of the cycle in swadn h is srtodWed to be billed. lisll happens It MY Your right to ?.?l d't We my doe or aeperd your account and any tweearisl for AN reason, wen If you are not in def"It. Account suspension an be permanent or temporary. If your amount it dosed or ueponded you must 7) atop sung ywa credit card andaccour , 2) anal all automatic payments, 3) destroy 44 cracks cods and stags chat s, and 4) pay all amounts you one u, cam it thy was charged dw the acmun was dead or suspended. Harr do I MWRJMMMW Payments you conk to us wig be credited to Vow account as of the Wdr*"dWw ramees K aF beg as: 1)you send the bottom portion of this statement and your Chad in tie erdeead remktanae erhvebpa, and 2) your payment is rec hod in one of our pooairg cowers by Span bear time. Pews allow at least (7) business drys or mail "W&y. Maead Payaronts nuNW by u at any other location or in any other form may not be uedted n of the daywe r,ceee them. Do you Protses Papas predta as an you provide a dad a payment. YOU 4uBgrW a and our age0 stains MOM dMMatlonn ter your check to make a onrtkm aNdaonkturd varrolsefrom your dapoael actawrra m the payment us dad transaction. When ova use Inkermadim from your dnedr,to err ehictmnic fund transfer, funds may baMN+dnvMn from your deposit amount a lemon sethe same dy so receive yaw palanart and you will not naM your chard back from fkrndol Oat' ton. Yew wdorftbm is not limited by the data on the dud. We may and eech Wally collect Me reau papmm a. Must It I file for qll? If you are scouted to barlaupDq n, this communication is nmeton only, it is ref an smn t to select, amp or mover a debt ordaim. Do not said w payments wall "speaking will you atomy, a the Bankruptcy, court. if you or your attorney would Ike to contact ou claims seeker directly, PISM oaoct: capital One • PO eat 85167 • Wdhmond, VA 2 2as5167 ELLM MOMS SUMBaANY Moss Na Apply o Small Weiner Aox ) What To Do If You Think You Find A MWtWw On Your Statement: if you think there is an error on your statement, writ 10 us al c4pkal one P.O. Bov 30265 Soh Lake cry, UT 84130-02M in your letnar, give us the following infommtum: You corm and somunt number DOW The dollar amount of the suspected error. If you thkdc then is an error on your bill, describe what you b@fim is v ring and why you believe It is a mistake. You must corhed us when Bo days of W the '"or append on yow t. You must notiy u of any potandai mgr You cosy all w r in us electronically, but If you do ova are not raquired to Imesupae any potential arms d you may have to ply to amount in amnion. Wile v, kwedpale vehothe or not than has berm en error, the am tea: We carew try to coI , the mount in clws=, a npoat you w t an that amount. ' The charge in question my remain on your staemmt, and w-F them w Usage you Mhtenp on Mat anent.. But, k we determine den ere code a me you vdN not have to pay the amount In question or any interest or other few relied o tt. What you do not ham to pay the arnowd in question will ova and youa notes, about the autsena of w kvaalpplan, You are responsible for the remainder of your baw.. • We can apply any unpaid i meut against your credit bank. Your hirers If YOU M DfaaetdMd YYlth You treat Cod portholes, if you are dWa4sfed wth to geode a aarMeas that you thanre pudhawd will yaw Credit. and you here tied In pond faiths correct the problem with the "im: nL You m if hear right not to pay to makhinB artwhnTt due on the purchwa. To use tlyis riplt, all re of the must in tea: I. The purchase must hove ben made in you homestee or within 100 Of yaw current makkg addree, and the purchase price must has been a en, than . (Noe: Namar of these are necessary 6 Yom Percival Was based on an advertisement see oyntorif wows the company tat wiry you the goods or services.) 2. You must have . yaw me* card or the purchase, Radases made with cash advances from an ATM or is dads that aeawes your OWN owd account do not qualify. 3. You mast not yet haw fu pad forth* purchase. If all of the entere above arc met all you an star dlsestlseed v lth the rc ase, contact u in,y1ribrics at.. capital one P.O. Bat 30265 Salt lake cky, UT 84130-02 Whig we kww i2ft the wren nales apply to the disputed amount as clewed above. After ova finish w iw,skpauonn, we will tall YOU our decision. At that point, It ova think you owe an amount and you do not pay m may rep ri you as debrquent. ',,. Cap" Ora suppob kiorn obn priwcy pmtKwn: ws ow wvbats et www.apitabns.corn Capital One is a heim BY mabered wrvxe mark of capita One Financial corporation. AN rights mserved use 2010 Caphal One TC-03 O5MItio Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ........................................................................_................. Alternate Phone ......................................................................................._.. E-mail Address ............................................................. .............. _............. Please print address or phone ntmaer changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly; • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processh • Please don't include any additional correspondence. • Last but not least, be sure to write your 16tdigit account number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.caphalone.com Page 2 of 2 14"5.7070 wwwxapkabm.cOm ? Oct. 03 - Nar. 02, 2010 31 lays m BRling Cycle J V r Credit limit , $30,000.00 WSWCmd XXXX-XXXX-%700(-7176 NEW BALANCE MINIMUM PAYMENT DUE DATE Available Credit: $10,898.47 Cash Credit limit: $15,000.00 $19,101.53 $905.00 Nov 27, 2010 Available Credit for Cash: $10,898.47 Previous Wow Payments and Credits Fees and Interest Charged Transactions P*w Balance $17,27196 - J $0.00 ? / + $299.49 + ? J $1,530.08 a L J $19,101.53 ?, , J ;TRANSACTIONS CONTINUED ; J FEES 1 27 OCT PAST DUE FEE $25.00 Total Fees This Period $25.00 Total Fees This Year $64.00 INTERESTCNAWAD INTEREST CHARGE:PURCHASES MAIM Total Merest This Period $274.49 Total Interest This Year $2,321.18 You were assessed a past due fee because your minimum payment was not received by the due date. To amid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. what's in your woust7 MAKE A PAYMENT. AND TAKE CONTROL 5000,5 OF YOUR CREDIT WITH CAPITAL ONE Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our &= check by ph* service or speak to an associate by calling 1.800.955.6 0 2009 Capita! One. Capital One is a federaUy registered service mark. All right, reserved. i Page 1 of 2 14"5.7070 www.Capkalone.com Nov. 03 -Doc 02, 2010 30 Days in BBIMg Cycle ? J ...... MINIMUM PAYMENT WARNING: if you make only the mlhhhnwn patlrr"each period, you 111M VAOAfcild )D00000000000176 win pay "" in how and it will take you longer to pay oil your balance. For ewnpk: PAlarahAmmuntlachPa tNo off NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Chagas Am Made Sfateweta INISMIX Total Cost $19,169.17 $1,414.00 Doc 27, 2010 Minimum Paynem 33 Yeas S45JM If you would WE infamatmn abed credit munseling services, call 1408.326aD55. PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: d we do not receive your minimum pay by your due date, Credit limit; $30,000.00 Cash Credit Umit $15,000.00 you may hose to pal' a late Fee of up to $35.00 and your APRs may be Increased up to the Penalty APR M 29.40%. '. Available Credit $10,830.83 ? Available Credit for Cash: $10,030.83 J Pi evious Balance Payments and Credits Fees and Interest Charged Transactions New Balance $19,101.53 - $250.00 t $317.64 + $0.00 c $19,169.17 J You're behind two by payments. IMY talk. If you7e having 6rarhdal difficulties and (ant , make your minimum payment - we ward to help. Let's work together to find a solution. TRANSACnONS Hew is Ava la e. PAYMENTS, CREDITS a ADJUSTMENTS FOR JAMES D HARLIN #7176 1 29 N7V PAY`0020D8 BURBANK EXT818-848-9048CA ($250.0) Just pick up the phone. FEES 1 27 NOV PAST DUE FEE $35.00 Total Fees This Period $35.00 Total Fees This Year $99,00 Call 1400-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARCsED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES $282,64 Total Interest This Period $282.64 Your Annual Percentage Rats (APR) is the annual interest rate 00 your account. Total Interest This Year $2,603.82 Annuel Percentage Wk- so od to Type of Balance Rate (APR) I11tataR Rene i.e. C ?9e Purchases 17.90%D $19,211.64 $282.64 Cash 24.90%D $0.00 $0.00 Transactions continue on page 2 ? J PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM To MAKE YOUR PAYMENT ONUNE. 1 5291492145547176 02 0000000450001414003 Account Number. 5291-4921-45547176 Due Date New Balance MMimum Payment Amount Enclosed Dec 27, 2010 i ` $19,169.17 J $1,414.00 J \ J PLEASE PAYAT LEAST THIS AMOUNT JAMES D HARLIN 505 GREASON RD CARLISLE, PA 37015-1416 II I'I'IIJIIIIL6,16.11.1••1111.,11'1111'11111"'11...ILrLlll T-, Take advantage. Take cooml. Manage your account online at www.capitalone.com • Make payments • Review account information Manage your account in privacy 400006 Capital One Bank (USA), N.A. P.O. Box 71D83 Charlotte, NC 26272-1063 uIIIIl?I11r?n41?4.11pul,.llnlr•ll?l•llhll•?Ill?ibhhll Please rake checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JAMES D HARLIN Now can 1 eeiod payitp Each month you pay your -New Balance' m full, YOUwMMaoanttnimalmgneaoWadef25dayswhMnoinow carpeonsMnew1) purdvras, Y) Mille" Verniers, 3) spatial purchases and 4) other charges. N you here bean paying your account In full with no harm drapes applied and you do not pay your mass bill in full, poceMd Yrlaat dpryO will be awseed. Then is no prate period mt cash adrarpm, special tratefers, or on any new transaction when there a an unpaid balance from a previous bill. HOW 0 thaw aptesdY k m t charges accrue from the 1) date of the transaction, 2) data low Intekelon Is processed or 3) first calendar stay of the MWmp period. e on easy unpaid amount until it is paid in full. Tints mnrs you. may owe you pay the Woke mew eaarce- one month, but did not do m for the previous nmi d unpaid 6 no changes ale added to the proper or w it of year Account. Hcesewr, we masr" the tight to not aesees imnrart daps at any dine. Do you sewn O i Yet. A minimum INTEREST CKMM of 50.50 will M assessed for op h Mllkir parsd Your acmuntb wbjed to an interest large. How slid you 7 Then ail aers" Wwlatioro that an used to detarnurw your umaast .1. To set your Daily itatemsc for each sagrtwm, t) taw the beginning linnet NW 840 in new transactions and the penodic irrty charge on the Pewiols days bslprroe 2) Subttad any payments and credits for thin segment a of that dry. The result Is the daily Imiss a for each segment. However, if you paid your pwbus month's balance in full W 9 your balance was zoo or a credit amount), new trOnsc ion ~ post to your purchase or spacial pwdwea moments an not sdrkd to the daily bWnces, Alm tramaeniOM that wesu*O to a grace period am not added to the daily issWpces. 2. To find your Aesrapa Dale Imlenn: 1) add the day Ipalrnca together and 2) divide the sum by the n robe r of days in go boiling aide. 3. Estimate, your TOW Interest Charge: 1) mumply your average daily bsln is, by the day perbdk rap and 2) multiply the mutt by the number of drys in the bilMg. pond NOTE: Due to munding or a minimum interest large, bits rakulatbn may weyfrom themeekest days actually mess ed. New can MY eaelabs VA" change? Your APR may increase or deoesee.0ousd mw ore of eswen standard indicu rem in YM weir smaa7OwrW. To find vrhidp WWWbusedfor YOUa MmMIOOkforacede Q',1,C,S,DmF)onthehuntofthls statement hM to the Almos). Theft deck the taps below: Oadermsedlatimar AMWet P-- mNo AMk.AM) Indw w h" ymwr reds sees times on when yawAmmua papmMp Rata WNI eMmoe P Ouwiw* Prime * mMwn Pa wskalY diesbaed to you TM firstday of tier L QrssYty UGOR * margin pr immay dsekeed to you bian9 Paf' ' that C CteaOSyOD* marym peroualy disclosed to you 04 ' in January, April, S aardneW pin" * margin i mloaly diedaed to you July MM OObbsr. D Nom by PYIn0 * 0110 PMAMMY dimsad b you The feet day of each F kkr" LMIDR * merom Pwwbusy dasloesd to you manoty Wgnq G T-IJMDR * magin Perilously disclosed to you peded. M them ?ppdOMd with my tooomwt? Yak under certain orcvnmtanees, you MAY M iMM/ W A Lae- M..W Payment rase. You may also be caged overdmlt fees a Permitted bylaw. WO mwve the right to not assess face without Pdor notice and without warning our right to mama slimier feestr. -can I OULWAMMAMV You may fkne, ter am Vow account by ulMtq or wvitlng our Cummn provide add bonw detain lmkWkV pmyrment ' information. N you use your credit card or charges port to your account ahayou ask a to roes it, we ran imW yNr WCMMt open.To mid Pashto any applicable n indierst pa, all to close your amount Prim to tie aid of the CAM in which it Is scheduled to be bated. What fapPawk my Y We may don or aspard Vow account and your moll so obtain auk at any time and for any meson, own N you aft not in data. Account suspension can be pamarient or temporary . N Your antournt is'dwed or ausperded you rust 1) stop ukg your credit card and account, 2) rand) ask aptomaic paynwrtts, 3) dab" all credit cams and acan dads, and 4) pay all amounts you owe a, even N may ware charged eta theaooiuntera clpad or suspended. How do I MokubtagoW Payments you mad to the will be credited to your account a of the bull day we nn' I it as long as: 1) you sad the bosom portion of this statement and your check in ywandond nmNMnca envelope, and 2) your payment is noshed in once of our Processing centers by stem local time. Please allow at leap (7) business days for mail delivery. Mafled PNIMMI tts nceaied by us at any other location or in any other form may not be credited m of the day we receive them. Do You ProWe Papa Checks as on ypu powede a ktsck a PMmeM. goer sutMrW us Mid oU agents NNta to use lnf*yAtllan OT Yom cods to mate a onw,arre Welcome fund trainer from your deposit amount a to pool, the pamant as a deck trantecoon. when we use kdomismam fmm your desk to make an Wcpomcfund irarster, furidsmayhewftirskerrrn fromyour'; I auntas mantas the antsdaym race" yaw pynient ad you will net nods year cheek bads from financial Institution. Your &jOwkatbn it not Nmlwd by the date on the check. we may ad electronically COMM the nMered payments. Whet N I Me the1piolkip r N you we entitled to badukpa ym Pro4ktlon, this eommycdarbn.Y.Mir metlon oedy, it is hot an attempt to oolae6swator taeowra debt er dean Do not sand U payments wl,ftW Meatift with your Mrn b the SWAnOky Court. If 1100-YOw SlItomaywgWd Mor tocomactom clmms aim dismay, PWM mounts: Capita One ? PO a=Ni67 • Mdsnend, VA 2 167 MLLOM MOM DJLUMW (Dona Not Apply to smut pusame Accounts) Whet TO 00 M VOW Thkrk You Find A k1k"w on Your s'tabnrnt if you thbtk there h an error on your statement, write to us at: Capital One P.O.O m 30205 sets take City, in 34130-0205 In your Hens, give us the following Information: Your name and account number. • ORIN-agift The dollar areurk of the suspected error. N you tylNtk than ls an snor on your bill, desicribe whet you bakes ls wwne" e1d odry yes 1. I it is a mirtaka. You must antict w within s0 drys after the error appewed on Wow tetarrwnt. You mast notify ks of any potential arms in lino. Vou my r us r notify us electronically, but if you do we an not required to immstlgW any pown" arm. a you may haw to pry the amount in quMbn. Wilk we awNtlgen whether or not than has been ;r , des f are true; we cannot by to coked the amount in question, or ou as t on that amount • The deep In question may remain on your saramenl and we mat tffaw to large you AIM on 11Mt amount. but, N we datm me that Yes Nfette a mhtake You win met have to pay the amtmam in question or any sisa et or other fees relalad m that t. 'rift you do not here to pay the anhout in question widl era sand u a notice about the outcome of Our irraatpa am, you am respambe for the nmakwnr of your balance. We can aptly ay unpaid Known against yow credit amlt. Year MOM If You Am Dtsodstod Wish Your Cmdk Cale H you ale claustsfied wa1 the gaeds-antler that you ham pumhm ante your tact rd, and you haw tned In good UM to sowed the problem with the mwidwn% to may have the right not to pay the remaining amount due an the purchase. To use bits right; W m the, must be true: 1. The pumJae must ham bean made in your home sun a w)tlvn tO0 of your current mating adder, and the padhme price must have been non scan (MON: Neither of these are necrnryr.0yaw pundkase was based on an advertaiment we to You, or N we own the comptpithatand you the goods or servlca) 2. You must have Ydr Reds cad for the patdWe. Purdlano made with cash advances from an ATM or v a dark the enema your ao k cW account do not qualify. 3. You "warm yet have tang{ pold for thepurchm. If all of the attests above an met and you am still dlssaref ed with the purchase, contact us IQ tod"It at Cap" One P.O. an 30265 Salt tab City, In 04130-02a5 While we asmmoste, the sane MAN apply to the disputed amount a teamed also". After we finish our pveadgaNon, we wall tell you our decision. At the pointt we Mink you owe an amount and you da not pay we may report you as delinquent clout one supports imormakon Privacy potectic, sal our Vwbdte yytt www.aptaone.com Capital One is a federally moments sewia mark of Capita One Fhrand!al Corporation. All rights mwrwd O 2010 Cap" One TC-00 O5MI/10 Changing Address? Address ........................................................................................... ....................................................... _.................................. Home Phone .............................. .............................................. _............. Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or plane number changes above using blue or black Ink. Not quite ready to make paynlletts 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 game with your statement. Using a different envelope coulo delay processes • Please don't include any additional correspondence. • Last but not least, be sure to write your 16+digit account number on your check. (9? Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitsione.com pa" 2 of 2 1000.895.7070 ' wwwxAphalone.com MaslwtaN X)M-XXKX-7000(-7176 NEW BALANCE MNNMUM PAYMENT DUE DATE $19,169.17 $1,414.00 Dec 27, 2010 \ J \ Previous Balance Psymenfs and Credits Fees and Interest Charged $19,101.53 - $250.00 + $317.64 + 'TRANSACTIONS CONTINUED / You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this tee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. J \ Nov. 03 - Dad 02, 2010 30 days in Offing Cyde J Credit limit $30,000.00 Available Credit $10,030.83 Cash Credit limit 415,000.00 Available Credit for Cash: 410,830.83 J Transactions New Balance $0.00 0 $19,169.17 \ J \ J l what's in your wallet? MAKE A PAYMENT. AND TAKE CONTROL 500010 OF YOUR CREDIT WITH CAPITAL ONE Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can mare a payment with our &g check by service or speak to an associate by calling 1.800.95. ® 2009 Capita! One. Capita! One is a federally regirerred service mark. AU rights reterved Page 1 of 2 1-800-955-7070 ? \ www.caphalone.com Dac 03 - Jan. 02, 2017 31 gays in BBlplg Cycle \ l MINIMUM PAYMENT WARNING: If you malty only the mmirrm ? each period, you P1hatlMNa M»gaeCard ))D00(_ 176 will pay more m interest and IT will take you longer to pay off your For awnpW.. Payara An10Wt! Each Prlod H No Apprasdaala That b Pay lNI Eaf&aabd NEW BALANCE MINIMUM PAYMENT DUE DATE AdditPaaal Charge; M MOW stMemnk Balsas Tatal Can $19,497.86 $1,937.00 Jan 27, 2011 Minimum Payment 33 Years s4s,838 d you would Nte irdormaten shout credit counseling services, call 14$&326-8055. PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not rai ive your Infdmurn payn em by your due date, Credit Limit $30,000.00 Cash Credit Limit $15,000.00 You may have TO P+Y a late fee d up to $35.00 and your APRs may be increaed up to the Penalty APR of 29.40%. '.. Available Credit: $10,502.14 Avablile Credit for Cash: $10,502.14/ Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $19,169.17 - $0.00 t $328.69 + 50.00 $19,497.86 l You're behind by three payments. Ott you can bring your account current by paying the minimwn payment amount on your statement. If you're having financial difBotties acrd you're feeling overwhelmed - we wad to help. Give one of our associates a call at is 1.800,955.6600. You'd be surprised what we can do together to work this out. ftip a 10 Renewal Notice - lee both sides of the first page of this statement for important Just pick up the phone . information about rates and interest he calculation. TRANSACTIONS Call 1-800-955-6600 and a specially trained agent will PAYMENTS, CREDITS & ADJUSTMENTS FOR JAMES D HARLIN #x7176 be happy to help you check your balance and makt# payments. FEES 1 27 DEC PAST DUE FEE Total Fees This Period Total Fees This Year INTEREST CHARGED Transactions continue on page 2 Due Data \ l $35.00 INTEREST CHARGE CALCULATION $35.00 $35.00 Your Annual Par OUtLage Rah (APR) B the amual interest rate on your account. Type of Balance Am" Percentage Balanaa "W" to Interest Charge Rift V^ Interest Rds Purchases 17.90%D $19,318.81 $293.69 Cash 24.90%D $0.00 $0.00 J PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W WWCAPITALONE.CAM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 02 00000004500019370011 \ Jan 27, 2011 Account Number. 5291-4921-4554-7176 New Balarrce Mb*n M Payment AmoaM Erudoaa# $19,497.86 1 r $1,937.00 PLEASE PAY AT LEAST THIS AMOUNT JAMES D HARLIN 505 GREASON D1 CARLISLE, PA 17015-9416 II. I,h'Il•,11..1.111111,111,111 1'111-111111116,II11„111„Ill Tape advantage. Take tIttrol. Manage your accoufrt online at www.caplitalone.com • Make payments Review account information Manage your account in privacy 4D0006 Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 26272-1063 1111111,111„11111411.1111111.11111 ^II?h1114111-1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JAMES D HARLIN Now tan I avoid prying MMK&bMW Each month you ply your "Nov BWnce" in full, you we haves reftwum arm period of 25 dye with no interest charge on all new 1) p edwas, 2) bow" traefisn, 3) spacial purchases and 4) other d-W N you have been paying your account In full Md+rw kvto chery e ; is I I and you do not pay your nod bill In fug. promo d IMaeat dSign will be aaawad. Thera is no grace period on cuh adwnces, special travelers, or on any new tronaction when thm if an unpaid balance from a previous be. Flow Is the jiftailiu2MM as~ Intalest charges accrue from the 1) data of the "Sineactim 2) data the transaction is procmad or 3) first calendar day of the being period. :Melee charges accnve on every urnpold amount until it is paid in fug. This rearms you may owe Imo er changes even If you pay the 4rulire-New Bdence• we month; but rid rat do so for the pwtem month. unpaid it to doges madded to the props segment of yourAccount. Herevol m raserve then right to not MNM "Vm damn at ati time. of f0 be Sensed for each mg pwFpd yooracci um's su*ct to an inhired charge.50 will Now rid you T These am Several caktdations drat we used to deowwAm yow toW beast deep. 1. To gatyaur Daily Balenos: For each augment, 1) Woe Uw beginning balance and add info w trat ocalio s and the periodk Oriental do rge on the PH ,i s dyf baiose. 2) subtract any pePeaw and cod ts for dent saganm a of *0 dry. The wodt It the dally balance for each tog a m. Howwar, If you pakdyour previous month's balehte in hug (or tiyour bmWxo wn are w a credit amoural Sew wntactlem whk h poll to your purchrre or special purchase sagnor s on not added to the dally balances. Also, terractbm chat m subject to a Vote Peso I an not added to the dolly baWtcss. 2. To find your Average Dolly Baispr. 1) add the dally bdwxn "Weer and 2) all Me the sum by the number of dye in the being cycle. 3. getenasa yaw TOW is to so Charge: 1) multiply your average daily balance by this dally periodic lete acrd 2) noddipy the result by the numMrof days in the bekg period. NOTE: Due to rounding or a mlrtimrm instead dwge, thls cal inns n may very from the W~charge actsrltyseesoo. How penny vendable ABdvetRalvo 1 A? WM loll? Your APR may nc can or doolean baud an one of awn atandeNdrdea reported inTe WBNSImalJournal. To find WhIdn kWmsussdfw your acaunt, look fora rode (P, L. C, S, D or F) on the front of this assent neat to the AM). Than deck the table Below Caftereasevoner tees Paroomyis notes ") mdse wbldn yew rafts we' ood on [ilea your Annual Pa¢oms Rm wistabonlies p OUW^y Puma • mrgin porrtesy diadowd to you - TMMSeday at the L Ouwdny LIBOR • maginplrAOUely dsaloaad to you beep PSiada that C Ourtedy CD. ma In pPrlouYydodoood IS you and in January, Apd, 5 erAww Pons a margin PSeA-* dNdoeed to you As yamoeww. D Monthly Phere t merge poniOlWy dledoned to you The f m: days each F MonalyLpoit. area MOMOUisNdodeledoyaa moninybeog r Tveewry LIBOR + mogMa pew u* dooooed o you l oved. Ale Cable Aaatedated nrrldl rM aecoum7 tat under certain dRtaratarttet, you may be a"OMW a Laois or hnwmd PaWMM Fee. You my also be charged ovalMrh fees if Pwll*tW by lake. We MMW this dgM to not sans fees without prior notice and without "*AV our right to acres • similar sae lens. IoW C" I Glade LAg01NDIT You may don your account by tegerg or writing our Customer pSledunt DeparsmeM At tins one, wawa povlde addido of cianW iricl+dng psymant irdomratbn. N you sae Yom erect cad or detga port to your amount aka you ask us to dose It, we tan cap your account opon.70 avoid paying any applicable membership fast all to clew your account Prier to LM and Of the cycle InwlACh it is scheduled to be billed. VAW trppwm it "W We may donor suspend your account and your right to obtain credit at any Wft and for any remit, evert if you m not in default. Account suspension ten be pormanrtt or tompo try. d yam account is closed or suspended you mWb 1) sop UMV your cra@ card and ackoow, 2) canted all automatic payments, 3) datroy ail credit cards std access dadcr, aid q pay all amqums you owe W, even'd they were charged after the account was dOSed wsuspended. Flow do I MaWAMMOW Payments; you mail to us will be credited to your account as of the burairfess dyleersc*m it as lop a: 1) you sand if* bottom portion of this statement and your chock in de enclosed mn tics oe envelope, and 2) your payment ls ecened o one of our process" centers by"local toe. Wean allow at IoM (7) business days or mail delivery. Mailed payments received by us at any other location or in any other form may not be cmdhx a of this day we retehe them. Do You FrYteaPaper Dade as an ide • detlk a paY?t you asd10r1ta W and Our agisnts ehhMO uw MKalnnation yidprov OF11 yam tied[ to make ors-timeeleomnic find tramNr from yew depeYt account or to prago the paymtrA n a deck transaction. When we use dmomaMn from your dregs mIrw an electronic fund trader, funds may be wAdrdrawn from fow deposit aooourdas athe ere day we mooke your pgaowrt and you we riot eoAbeyour check batkfrom financial institution. Yom auftf*b can is not W YAW by the date on the deck we my and eectronk'ally codenthe aftol payenteAS. Nast N1 fist for Andma1W N you we treated to bor pt5VAA cis communikWtonB !eF'ir ?nNtlon only dB. ratan atdaxptf0 w recov er a debt wdeim: Do rat sold W pits on Sparely or the gsdmrpocy Court d you w VWr Marney+wuld Woto comecclairts niVleer directly, please OW48 : CAPNW Oro I PO Ica $5157 • rodonon 6167 D&UN0 latM ROA$4aRY (Ocas Not Apply to small $u ti ness ts) Whet To Do N You TWk You Find A MMtaka On Yom Statement (f you think then is an error on your statement, write to us at Capital One P.O. I= 30285 Sah Lake City, UT 54130020.5 In your labor, give us the following information: Account Information Yaw name and account number. DOW • : The doter amount of the suspected error. ' M YOU thank dim is an emir on your bill, describe what you believe is wrong wW whyyou l d M a mbake. You must comrct us within So days shier the error appealed on your jsrsnant. You must notify us of any potential errors in venom You may cos W 0 nerdy W electronically but d you do we are not required to invatigm any potential error acrd you may have to pry the amain in question. While va investigate Word Sri or not there has been M error, the m true: • We cannot ty tdmisd the ameum in gkestiory o lepert you a .ion that amount. • The charge in question nay remain on your aarmarfL and we may fn*- to &-" you Interest on that Mount. 9rA, a We deMmYe tot we mod! a MWW* you MAN not here to pay the amount in question or any interest or o0nr fins related o the mount. Wrfile you do rot have to pay the amount in question wall weaend you a notice about the outcome of our k*maobtlen, you an lespadble for the vemnowww your balance. • We can apply any unpaid amount ageasryow credit gmk. Your RWft N You An Dbm WflaA Nakh Your Ceedlt Cad , If you tee d semsfied with the goods w anaieas Mayon have pucMted wBlf Yeurovedlt andyou have tried in good faith o coved the problem with the merdfML you r^eY pare :right net to ivy the nerrtWarfp amount due an the padwa. to un chi right ail M Oa must M true : t. TM Purclwr maethave been made In your bane free orwrMn 100 co your amnt nfaNkg -Oft and the punheoprite mwt have been montlan ; f %W. uakher of then m necessary a your perdauwa-band on an advertisement we o you, w d m own the company cat eoW you thogoodc a smites.) 2. You muea have your back card for the purchm. Purchases made with bah advanoofrom M ATM w -adleClk that accom your auk tad account do not quality. 3. You must not yet have paid it the purchm. If SO of the criteria above are met and you are tee dies idled with the se, contact us in writerict at Capitol one P.O. Box 3021 Salt Lae Ciy, UT $4/30420.5 I..I What wo Ovoid", the same MAN apply to the disputed amount Setl .d Above. After we finish ter Maatdgadwc we we tall you our decision. At that point) if we tarok you owe an amount and you do not pay we may report you a dalingWnt. Capital One supports information privacy protection: tee our websto J5"k www.capitalo w.com CopIW ore's ? fsdo dy .:!Mlid wvkemark of Capita One Nnane)ii Commtmn. AN rights reserved C 2010 Capital One TC-05 oamil10 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 payrnts online? No problem. Follow these simple steps t make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope couo May processh • Please don't include any additional correspondence. • Last but not least, be sure to write your i Wigit account number on your check. (9? Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at; www.caphalone.com cm? Page 2 of 2 14"5.7970 www.eapltabnexom ? Dec 03 -Jan. 02, 2011 31 Bays in BRrntg Cycle J owftw MatllarCtild )O XX-XXXX-X)00(•7176 Credit Limit: S3Q000.00 NEW OALANCE MINIMUM PArINENf DUE DATE Available Credit: 410,502.14 Cash Credit Limit: $1 S,ODD.00 $19,497.86 $1,937.00 Jail 27, 2011 Available Credit for Cash: 410,502.14 Previous Balance Payments and Credits Fees and Interest awargeid Transactions NIe , Ulance 519,169.17 - 40.00 J \ J .} ` 4328.69 + J \ $0.00 \ / 519,497.e6 ? J ? 1 l 'TRANSACT'IONS CONTINUED J l WIENER CIVMW (CONITMED) INTEREST CWARGE:PURCNASES $293.69 Total Interest This Period $293.69 Total Interest This Year 4293.69 You were assessed a past due fee bemuse your minimum payment was not received by the due date. To avoid this fee in the hfixe, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One, J ? J a TAKE CONTROL OF YOUR CAPITAL ONE* wham In yoaar , ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount dlue on your statement. 500011 Let's work together to bring your account back to good standing. You can make a payment with our -fm check by pimp service or speak to an associate by calling 1.800.955.00. ® 2009 Capital One. Capital One it a federally registered seruitr mark. All righa reserved i Page 1 of 2 14"5.7070 l www.capka4one.com Jan. 03 - Feb. 02, 2011 31 Pays in BN* Cyde ? J ... MINIMUM PAYIAENT WARNING H k : you ma e only the rrinmtm?rt each prod, you i k will Ihalla!!N IMarierCard X700r-) 000(-X)00(-7176 n pay "a" rtarest and it Will talc You to pay off your . For ermpie: PWRMtArawm Eadt Peeled If** Aplonotheol a Tine m Pay 00 Ea6maled NEW BALANCE MINIMUM PAYMENT DUE DATE AMbond Chorsow Are Mail* statement Balance Total cost $79,631.59 52,469.N10 Feb 27r 2011 Minimum Payment 33 Years $45,878 l you would Nor information about credit counseling services, call 1-81118-3268055. PLEASE PAYAT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Lint $30,000.00 Cash Credit Limit $15,000.00 YOU may have m Pay a late fee of up to $35.00 and your APRs may be,irKreated up to the Penalty APR of 29.40%. Available Credit $10,168.41 Available Credhfor Cash: $10,168.41 J Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $19,497.86 - $0.00 t $333.73 + $0.00 c $19,831.59 J J J You're behind four \ by payments. But you an still bring your amount current by paying ? the rnimmum payment Amount on your statement. Need help? Give us a call at ¦ . is A 1.800.955.6600. welt work together to find a solution. ?r? TRAINSAMNS e PAYMENTS, CREDITS N1 ADRISTMENTS FOR JAMES D HARLIN #7176 Just pick up the phone. FEES 1 27 JAN PAST DUE FEE $35.00 Total Fees This Period $35.00 Taal Fees This Year $70.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $298.73 Total interest This Period $298.73 Taal Interest This Year $592.42 Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. ` J INTEREST CHARGE cALcuLAfloN Your Amoral Per cop Rare (APW is the annual irtkrea rate on your account. U*d Type Of Balance RAND LAM to BA- Interest Rohe tO mans. Chaye Armed Papua Purchases 17.90%D $19,649.93 $298.73 Cash 1 24.90%D $0.00 $0.00 Transactions continue on page 2 ` J PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 02 000000045000246900' 5 e bore Account Number. 5291-4921-45547176 Due Doh New Balance Mkftum Pgmant AmoaM Enclosed Feb 27, 2011 , $19,831.59 , $2,469.00 PLEASE PAYAT LEAST THIS AMOUNT Take advantage,'. Take control. Manage your account online at www.cWbione.com • Make payments Review account information Manage your account in privacy 400006 JAMES DHARLIN 505 GRCASON RD CARLISLE, PA 17015-9416 hllrrll•NIhllrll4l?irlll?d??lhlrvlA?l•dlhllrhlnrlll Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1063 nllllr?rrl?mlll?lr?hlhllrrllnlr•Ilrl?lllrll•?IIlllhhlul Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JAMES D HARLIN NOW an 1 anrald payblg. T 6ecti month you pay your "Now Balance" In full, you wM hese a min6tKaNgrao/ ppetrrbbdd the 2S days satin no WAww charge on all new 1) Wadnasea.1r bNma is WasA 3) Ne sdaiPurchases and 4) oltwr charges, if you have been Paying year adooun In fu whth no kntaest charges applied and you do not pay your nett bM In fug, prmMad Ism earl s argeswM be amassed. There is no prom period on cash advances, spatial trarufen, or on any new transaction when mere is an unpaid balance from a Prone. big. Now is the aarphiedy triton[ dhages accrue from the 1) das of the trasadion, ndale the VameWern is proo ted or M fad calendar day of the billing period. ',twat dahBr aovha onavery urnpald anataltum8 it ls paid N fug. This mean you my owe intase dargr am 0 you pythe a be "New, &I1W e` one Ihorth, but did not ed so for the Pfwbw mash. Ur"W hNelaat duress; are 4ddbd to the prow stfmwm of yourAcaum. Hosara, we reserve the Bala ionot area[" botm darges A t ay time. DO lieu aaaea a dg(ggmg?(g?, t Yes. A minimum INTENST CHANGE of $0.50 will ba awaded for Seth b8 pwbd your anWM is subject to an imerat dwrge. How slid you T There are several rJndatbns that are used to deGOnMe your tell Myra[ d-gla. 1. To geryour Daly Balenev For each segment, l) eke theli mits"balanceand odd in new bwwetfon end the pwbdic interest charge on the previous dWs balance. 2) Suhwaet any peppered, and oaNw for that segment a of that day. The Neult.itto daay bats" faromth segnam, Mowever, N you paid your parlous month's baisha lo NP for N your MWrsewra uo w • credit amount), naw tnm&K sera whkh port to yew prrdwe o rpooal prrdjeve regmanb arenas added to the d* balam:aa Also, tranwctiom that are rhnbjed to a gran period are not added to the dally l drKaa, 2. To find your Avenge Dally fialwr eve 1) add M* defy bepnon togetles WW 2) dwida the sum by the number of dws in the bMSg cycle. 3. ftfil or Your Tow lrrt~ Charge: 1) mumpiy your average dolif balwha by the MY Periodic Nye and 2) multiply the rw* by the number of days I. the WWrg period. NOTE: Due to rounding or a minimum interest charge, this calculation may varyfrom the IN darga aewelly amassed. Now an ny werl" (APfg dsengsy Your APR may mcreese or doom based on oee 1 "Xwfw lrndlt11 .ported m 711" watl StrsatlouwW. To find wh•th kalaa is used for your eeauttt, look for a rode (P, L, C, S, D or F) on the front of this sure m i nt next to the APMI. Then dhadr the table hatn- sad a yaw Arniraaf Qeroemaga Fib (APR) under whIld Your fafee are booed on wave Your Annual Is- PAIB will I a- P Quarterly Primv+mwg-PWAOWYdevice" toYou The Bret day of the L Quarterly LOOR w moon r w u* dwolosed to you Wft PsdO I that C ousdw*IrD+ mw* Woom y dkOkOW to you and in Jueeey, April, S Bwtiwrd Prime +. margin PWdouldy disclosed Is you Jury and OdoIW D Nionthly s'na + Mwgb P*AM dY th 1 b you The fieel day of asdh F MadhN UBOR + margin pre'4waid, owdoasd to you montlsy bMbg G Treasury LEE margin previously dleebeed b you period.. ^n awe aMOROOKZM arsdpW vMM my aaou ? Yes, under certain dreumstences, You MAY be 4UNud a tail or Returned Payment Fair. You may also be charged ovMiMt fees if PerMSed by law, We reserve the right to not assess fees without prior notice and without wahmg ow right to awe • s•mWr fee later. How ere h OMANAOMW You nay don your amunt by calling or writing ow Customer WISDOM Depasseant At brat tuft we will provide additional details Mduding payment int-hon. N You use you as* card or chug" port to Your 4=DUM after you ask us to dose ft, we an keep you..aocount ppon.To avoid paying sty applicable membership fee, call to dace your account prior to thead of she cyW b which its edaduled to be billed. What haPrano N try ate! We may close, or suspend your account and your right to obtain oak at anytma and for Is" mum, even If you are not in ddauk. Account suspension an be garment or UmPte ry. If your account it closed or suspended you must t) Pop using yaw credit card and account 2) , I - all automatic payment 3) destroy all credit cods and access decks, and 4) pay are amounts you owe us, aver N they were dla'ged after the a>:ount'wras closed or suspended. New do 1 MdRbIa WI' PWm U you mail to w will be credited to Your account N of the bhskaw:dRY we MING it a long as: 1) you and the bottom portion of this datament and Your dadlc In she enclosed ---9 oe envelope, And 2) your peymant is Ntairad in one of our Prmm g antes of spin IocN Anne. Please allow at lead (7) business days for mail dNNety. 001 02 :. lted paymen4 teetered by us at arty other bastion or in any otw4omh may not be crtdiw of the dyer" rsesha them. ,.,, Do you Roar Paper Chesks a an Elm •-, 01 you Prov ide a check a PrAnsent. You aAfarW us and our agwnw ai se w kdemwbn tram your dedt to make one-am owdeanc fund traruferfrom yow depart aoanaa orb IN, Hves the petwiset as check treradtion. wfian we are k4wmation from Yow d" to*NWork fund uwsfa, funds may be wpMrmn from yaw deposit aoooutt as soot a the same day we Nana Your PMman and You wM not naM Your elhdt be* from yew fkancW Institution. Yow aufraritetisn Is not Bnsited by the deb on the dwdc. Wt may resubmit and ekxvonicaily collect the returned paymants. What N f NO for AM*UIRW N You ere NOW to Wrili ugcy protection, this commurecaton is for ksortnedoh omy, it is not an attempt to east w saver a debt or dawn. Do not send IN paYmname without apsedeevdsh you peony or the Bankruptcy Court. H you or your atlorrnyhaould No to contact out Balms services directly. Please anted: Capita Ora • PO an Kt t7 • gdxrnord, vA it"tly NLUM AMM RNMOW (Doe Not Apply to Swat twins A®unb) Whet To Do N You Thhtt You Find A Mistake On Your Statement- if you think there Is an error on your statement, write to us at Capita One P.O. BOX 3MIIS sat Lake City, LIT 1141300285 in Wow limp, gm us the following information: Your name and accent number. ORRaugaegat The doles arnourn of the wopKwd error. Qlagailift of • N you Mkhc there in an error on your big, describe what you bekave b wrong arndwty you batters it is a mistake. You mud contact us within 8o days afar the error appeared on Vow ftewm mt. You mr4t mt[fY w of any pptentW arore iniftm : You my al user nottly uselectronically but It you do we are not required to investigate any potential errors and you may have to pay the amount in quettbn. what tae investigate whether or not then has been =g e foare true: • VW cW~ try b collect the amount in question, or a delinquent on Mat amount The Barge In question my remain on your statement and we my continue to dlarge you marl[ on Bat aaount. But, If we decennia that we male i WAWD? you will not hart to pay the Mariam in question or sty inters[ or other fees reload to that -While You do not he" to psY the amount hn question until we send amurn. you a rwtko New ft ouI-nre of our Wwwagatien. you are NrporhNble for to ram i d. eat your hale a. WW ca 40Y any unpaid amount agalra your credit Whit. Your Rights N You An Dhesad~ with yaw calk Cad M you are dksetMied wish tla ghee or senica tort you have puMasd with you r derail[ aid you hid trued in good faith to correct the problem with the reerdnunt you my law t rfgh t hot to pay the mnnhng annum due on the pprdase. To we the right all of the folawt "%a n be ohs: 1. The p saws, must have been made in yaw home sate or with 10p Was of sawomtnt mWWV Address. and to fwtdhaa prior must have been mob than . (NOe;'..NaMar of tihese are Wintery If yaw punchiest was based on an advwtanant we to your or N vve own the cemparyry Bat roil you the goods o senvites.) 2. You rout have your cradit rued for the purchase. PuMwp mat wish cash ad"Mas from an ATM o a dwcdk that atxasea Your eoadk cud account do not quality. 3. You must not yet Ant p Wd for the purchase. If are of the [stark above are mat and you are still dicsatkNed with the mbar", contact us in writing at: Capital one P.O. gat 30285 Salt Lake Cy, ITT /41300215 whhlewe krvestigab, the stole rules apply to the disputed amount as pkc•sed..above. After we fimsh our i"MMU9411on, we will tat you our dso soh. At that pointN we think you owe an amount and you do not pay we may report you as delinquent Capital One supports ktomWtah prway pro on: see our wsbstb?e ti?pt ?www.c:apitelone.com Capita One is a federally registered service mark of Capital One Frarhdal Corporation. AN rights saved O 2010 CAp" One TC43 0501110 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone Alternate Phone ........................................................................................... E-mail Address .............. _................................................. .......................... Place quint address or phone number changes above using Wue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper dip your check to thel payment slip. • Be sure to use the payment envelope that dame with your statement. Using a different envelope coulQl delay processit • Please don't include any additional correspondence. • Last but not least, be sure to write your 16digit account number on your check. (;J Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitakme.com. Page 2of 2 14"S-7070 www.capkalone.com \ Jan. 03 - Feb. 02, 2011 31 bays in Wing Cycle l PatYtdntt MMtraMetard 7000(-X 00(-X)00(-7176 credit Limit. $30,000.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Avall"Credit- $10,168.41 Cash Credit Limit: $15,000.00 $19,931.59 $2,469.00 Feb 27, 2011 \ J \ Available Creck for trash: $10,168.41 J Revious Balance Payments and Credits Fees and Interest Charged Transactions New Balance $19,49726 - $0.00 + $333.73 + $0.00 a $19,831.59 ,TRANSACTIONS CONTINUED ; You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. / \ J 500012 CRW t #NWS!nyowwaliett IT`S STILL NOT TOO LINE. 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 &m check by phone service or speak to an associate by calling 1.800.955.6600. 0 2009 Capiul One. Capita! One u a f-di7wily rrgiswrd service man-. All rigbu rrmnwd r pop 1 of 2 140M5•7070 r ? www.eapitalone.eom Feb. 03 - Mar. 02, 2011 28 Days in BNkng Cyde UNNWAt PAYMENT WARUNG; M you mdse only the minimum pa a nent each pniod, you Pl will pay =M in Interest and it %WI take you longer to pay off you tatrawce. For o ntpie: alinNlNr pI1oallalCard )0O0t-l0D(X-1000(-7l76 Pay 00 Amawnt s At da NNo Ap Tt off NEW BALANCE NNNIIMUM PAYMENT DUE DATE Additional ChrguAre sullement k Total t $20,140.76 $2,979.00 Mar 27, 2011 Minimum Payment 33 Yam $45,887 If you would like information about credit counseling servkes, call 1.8118-3268055. PLEASE PAY AT LEAST THIS AMOLKT 1117E PAYMENT wAL%VM: R we do not waive your minimum Payment by your due dee, Credit limit. $30,000.00 Cash Credit limit $15,000.00 You -h-10 py s l9e fee of up to $35.00 and your APRs may beinumed up to the Penalty APR of 29.40%. Awilable Credit $9,859.24 Available Credit for Cash: S9,859.24, hvvioua Balance Payments and Credits Fen and Interest Charged Transactions New Belem $19,831.59 - $0.00 t $309.17 + $0.00 = $20,140.76 l You're behind five / by payments. If you continue to miss payments your account is at risk of being charged off. Please dont let tlta happen. It you're feeling overwhelmed, (all us at 1.800.955.6600. Well wok with you to resolve this matter. ¦? is Avalhiblk. rnANSACTIONIS i B PAYMENTS. CAM15 B ADJUSTMENTS Fat JAMES D HARLIN 87176 Just pick up the phone. Call 1400.955-6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 18 FEB PAST DUE FEE $35.00 Total Fees This Period $35.00 Taal Fees This Year $105.00 ` l INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CMRGE:PURCtIASES $274.17 Total Interest This Period $274.17 Your Annual Perowkage pate (APR) is the annual interest rate on your amount. Total Interest This Year $866.59 Anwd PaoeMge Bak[Lae S*W 10 Type of Balance Rate t" INtereeI Rod interest Charge Purdlam 17.90%D $19,967.20 $274.17 Cash 24.90%D $0.00 $0.00 Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 02 0000000450002979008 Account Number: 5291-4921-4554-7176 Due Date New Balance Wrillnnim PayMW Amount Enclosed / Mar 27, 2011 $20,140.76 , f $2,979.00 %L JL J? J PLEASE PAYAT LEAST THIS AMOUNT JAMES D HARLIN SOS GREASON RD CARLISLE, PA 17015-9416 II'Il'IIIIIIIIIIi...L1,.II,I.h?ignn,Il,liiiq?h,lin.dluHh Take "vanUp. Take co l uel Manage your account online at www.tapkWone.com Make payments • Review account information • Manage your account in privacy 400006 Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1063 IIIII119II.ru41?h•Illpll.•IIn4??II?I?Iih11.-l1lilllhlnl Please make checks payable to Capital One Bunk (USA), NA and mail with this coupon in the enclosed envelope. JAMES D HARLIN Now can I avoid psybtp. MgMLQMW Each month you pay your'Iww Balanca• In full, you will haw a minimum re to Pelted of 25 days with no homes dirge on all new 1) puo6wee, 4) brerhoe hoof nr 3) oodml pwdma and 4) other dogs d you haw bran t i8l?+aieDYrlf illfiAl Md81 M kltYleat dNrpM applied and! you b not pay your met bill In full, pro and lmose dW" tA* be msawd. Then b no gpaa period on adh oden , special tronstes, or on any rote transaction when there is an unpaid balance from a previous bill. How s the JUVOLOM applied? Interest charges accrue from the 1) date of the traa4Wmn, 2) daft 00 transaction is processed or 3) fire calendar day of the being period. Intend changes memo ort swasy, unpills! armajest unsil It Is paid in U. This mum you may Insist hoe eat dlagyn am rid You W9 tie afire ealeme one mMth, but did not do so for the previous mornh.empsld koewKdwga ate added to this proper segment of your Account. Norvssr, we renew the rigynserlylum nut aaaa main duxpa a pry ems. 0 a IN 4 for aKh7jrYim T Ya. A minmrm WTVAST CMABOE of s0.50 Will e period yew amount is subject to an roared charge. ilew /aid yes. T Thee are,MOral cNngatiorr out m used to dnernwhe yaw . 1. Td gas your Daily Balance: For each segment, 1) take thewmus niv OIpr. ared wild in now tralseiios and the Iorio& mMM dow on dim T1 enoull Is day's AKMa M f) $L for each Pals and credits for Out segment a of dot day. them in fed hr B moment. Nowem, If you paid your provios month's. "yon kuietoewet we or a court anounq new "Ism actions which post to yaw punches or spa Wdarchea womeds m not added to the daily balances. Aso, tram ewboms"Old amsublepfo agrow period am not added to the daily balances. 2. To find your Aa@ up Dolly aab w, 1) add the tally balances together and 2) divide the Mum by the number of days in theaging cycle. 3. Eemtmyour Toed merest Charge: 1) muMpy your awrape dally baYnMby theday ieriocc new and 2) muktply the ewk by the number of days in the baling period. ROSE; Dus to rounding or a mnrmum interest charge, this calculation may vary from the intswt dleceactualy awned. tow can nvvwi" fAP1g change? Your APR may increase or dec,am bowl on ww sawn slMrdard l 11, reported in the WaasMrmtiosemal. To find which inches it used for yaw aoms er, look for a code (P, L, C, S, D or F) on the front Of this stasmen reek to the APR&I. Than deer the cable hdow "satBeyar AWWWPm Itab WMt) Ivies wood1 yawn roes tee breed on vYhen yburAsewal p-man KM will details, P OwdwtY Prime• -an forwiouely, dsdaved to you The fist day tithe L Ouateriy LI60M • margin gwrwsly disclosed to you M aino pwoda to tyCO-mew Pfwft* dMdatld to yen and in,MUwary, April. S me" previously d i dosed to you July and October. D 1110" Prig • margin preciously deadaad to you The nee day of each F MOF" LWLMM - mint previously dwcboW toyou Ionti y being G Trsa"UWR • mew Preciously disclosed to you periad. rod with my- wn? Yes, under ovum drcumtMCa, you "W be w R1p,1 ya You itmy also be permitted by law. We etlnm the e1e to not sae s fee without o t prior d notice charged and 1I4A ft fees if wethout waving Our n right ? to ,r a??ss?et a ? u.ngW tea land . New cue 1 a ??,A§aM Vest may dow your account by calling or writing our customer Raiehons Depwthwon. At that tone, tea VA provkM additional deeds Including psym rot Womrbn. d you use your auk card ordMryae pow to youresswuak alter you ark x to does it tine an IMP YO- account open To wood psyug"appaabM members tea, call to close Yaw amen prior to the and of the cycle in which k a scheduled to be baled. Whrt haplwrs a ny We may doe or suspend your scount and Your dqM te obtain *ad at ay tiehe ad for ny Mason, aver d you am not in default Aoosunt eusparakxu an be pariranad or temporary . If your account Is dosed or suspended You nnaT 1) sop xhg YOW ceditcard end account, 2) "noel all automnic paymMs, 3) destroy as crack cards and access checks. and 4) pay an amiss you owe us, and if they wen changed afar the account was dosed " suspended. NOw do 1 ? Pay row you mailo usw 111 b crested W your account asof the business day we passe it, a lag a: 1) you send the bottom portion of this noble ent and yourchedc in the an bead mmitten" amwlepe, and 2) your payment is recelaed in one of our procaahg enters by 5Pm bed time. Please allow at least (?) budneas days or mail daNvery. 001 02 Mailed pgvnans mcesed by mat any other location or in any otherltorm may not be credited as of the day via recahe them. '.. Do you FrooYB Palmer U1esb tl M ?g[l you provide a deck an When W.., You Zftr as x and. yenta al eto use kNohd?Men you Check to make ont•tMr aNetronle fund trarahrfroen vovtt.. aamnak onto the payment as check, transaction. When vre tat pdeerhhation from Your codt to ;MeIpgbadcfund rn* transfer, funds my be wMrdraumfrom your depart agmout a 0*sa w day We noise your payment +nd you will not receive yourchwit bade from finandel msWUtion. Yaw wJdwOeWn is not laded by the date on the chock. We my and 410dra ikdly c~ the mewhad payments. What If Ifoe for for oMy, N you are enddW to bw*n*%y tlw or ecow, a debt communication s it is not an attempt o 784a, or cidn. Do not said us psyne, as withouttptlltmg vvah yar ftrupect, Court it or yaw atunrest, would No d lbwctlt', PbatlaeofkattuCapkM One Box 3024alt halo OW Cis earv7M lDly, BILLM NOWSSU NSARY MMS Not Apply o Small BxInee Aooown s) What Te 00IfYea ThM Yeu ritW A Mtetese On You Stetamrrt:id you think there b an error On you( statement, Wne to M at: C.W One P.O. Bet 3028S Sark Lab pry, In 04130-0205 waor a In Your Moe, give us the foaowvkg Information: Accident infornallon Vow nano and account number. The dollar amount of the expected etmr. N you think there is an error on your bill, describe what you befiene is g and vAyyou belMw k b a ngease. You must contact xMmin m days after the eror appeared on your'eWaMnt. You ntust notiy x of any Potential aors i g. you may call x or notify us electronically, but if you do we m not required to Inhwetgate any potential Mors and you my hew to pay the anoint in question. While we investigate whether or not there has been M error, the 1 *4 true: • elk O rmot try o cohct the amount In question, or Mort you as delinquent an that amount ' the charge In question may nemm on vowstrodrnt, and ids may soma, odoge you imse t on the amount. tart, it we, daandrte the we made a you will not hwe o. pry theamount in giraotien a ay nhterat or other fee related pro the t. •Wfvieyoudo not have to pay the amount in question until we sad a noire about the ohacenr ,f our tea0 tern. you era mp&mR" or the mn*idw your balance. • We can =any unlow amount against yaw crect limit Your Mghte ef You Am gaetlslted Wish Your CN you m dia?with due goods a crake thk you hew purdhacede and You Ihaw tried In good MMhto correct the problem with the mohate riot" not to Pay sow renalrwareunt ca, on the gtachre. To use f the must be true: 1. The Purchase mind have been made in your home soda er w d,4 l mile cif your eerent ffW" address, and the punched Prim must hat been more tier (stew: saeador of these m rrclmrY If Your pechhae was based on an advarebnwnt w q, .. to You, or If we pie the company the seer you the goods or smite L)2. You must hen your crack cad or the purchase. Furch ums made with cash 4dw010111 kern M ATM or a check the at com your Craft card account do not quality. 3. You must not yet haw fu paid for the purduae. If as Atha a*&U above m rot and you am nut dksatisged WO the rchase, contact us ar. CAP" One P.O. gar 38285 Silk Lakt Oy, UT 84130-0285 While we investigate, the sail odes apply to the &WOW -as discussed! bow. Ana we finish oil ktihetipation, we will tell you our decision At that poinp d we think you owe an amount and you do not pay we may report you a delinquent Cap" One supports intonnatMn privacy protection: am our webdte at wwW.apltabne.corn Cap" One is a federally registered aenice mark Of Capital One Financial Corporation. Act rights saved ® 2010 Carpi" One TC-0a 05millo 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 dip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope coup' delay processir • Please don't include any additional correspondence. • Last but not least, be sure to write your 16Fdigit account number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.copitalone.com Vag. z of 2 1400-ASS-7070 , ,, wwwxApWone.com Fab. 03 - Mar. 02, 2011 28 Qays in Biting Cyde t> Ir MwbrCwd XXXX-7000(-X)00(-7178 Credit limit $30,000.00 NEW tAtANCE MINIMUM PAYMENT DUE DATE Available Credit $9,859.24 cash Credit Limit: $15,000.00 $20,1410.76 $2,979.00 Mar 27, 2011 Available Credit for Cash: $9,859.24 PMM MS Balance Payments and Credits Fees and Interest Charged Transactions Mew eatarrce $19,831.59 - $0.00 + $309.17 + \ SO.00 c / J ,TRANSACTIONS CONTINUED J l You were assessed a past due fee because your minimum payment was not received by the due date. To avoid ids lee in the future, we recommend that you allow at least 7 business days for your minimum payment to reads Capital One. / ? J C -;;X whars in your wallet? IT'S TIME TO TAKE CONTROL OF 500013 YOUR DEBT. WERE MERE TO HELP. Even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? Please contact us to find a solution that's right for you. You can make a payment with our tm check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due an your statement by the due date to eliminate the risk df being charged off. ® 2009 Capita( Oee. CapUd One is a fedmrlly regiorred service mark. All righa reserved r Page 1 oV2 1-WB•93S.7070 l www.capitalone com Mar. 03 - Apr. 02, 2011 31 Days in BMBng Cycle ...... ? l MWWW PA7 lff 1MMW.: N you make only the minimum p",m eadl period, you Pl0UalNln MYbMtt d W Pay more In Interest and it vM take you bow to pay off your balance, For example: as 100Q(-E000t-)00(X-7176 Payeerrt Anwt Each FWW N No Approcirm a Time to PW ON Enimew NEW BALANCE MINIMUM PAYMENT DUE DATE Additional char6ea An Rode statemam aalanca Total cost $20AU.31 $3,527.06 Apr 27, 2011 Mriinxxri Pe"Ient 33 Years $45,926 If you would like information abort credo counseling serrices, call 1-808.326-SD55. KJ&W PAYAT FAST THIS AMOm1T LATE PAYMENT WARNING. N are do not receive your mawmu n payrriem by your due date, Credit Limit: $30,000.00 Cash Credit Limit $15,000.00 You may have to pay a lets fee of up to $35.00 and your APRs may beiiimeased up to the Penalty APR of 29.40%.. A.hble Credit $9,515.69 Available Credit for Cash: S9,515.69 l l Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $20,140.76 - $0.00 t $343.55 + $0.00 $20,484.31 l You're behind by six payments. N we large off your account due to late or missed , Payments. finance dwges hill continue to scaue. AG now to prevent this from happening. Please. pay the mi hmo ere to payment amount o your statement or give aLis l a * ICr7 Available. call at 1.800.955.6600. We're e here help: Trice control l of your credit with capital one, TRANSACTI(IBtS lust pick up the phone. PAYIVMENT$, CREDITS a ADJUSTMENTS FOR JAMES D HARUN #17176 FEES 1 28 MAR PAST DUE FEE 535.00 Total Fees This Period $35.00 Total Fees This Year $140.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $308.55 Total Interest This Period $308.55 Total Interest This Year $1,175.14 Transactions continue on page 2 Due Date Account Number: 5291-4921-45547176 New Balance M1Nmtnm Payment Amount Enclosed $20,484.31 $3,527.00 PLEASE PAY AT LEAST THISAMOUNT PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 02 00000004500035270013 Apr 27, 2011 J JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015-1416 q.RRy,IE•fy.,•glhllrhhd•ltl••I•n„pgR,iq•yrr••I,l•1 Call 14MO-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Pwmt"e Rape W R) is the amual bnerest rate on your account. Annual Paranntage Type of Balenae Belarnce Subject to Interest Charge Rate WMt) Interedlitialle, Purchases 17.90%D $20,296.45 $308.55 Cash 24.90%D $0.00 $0.00 l Take M.van#age. TAe co ft*. Manage your account online at www.c3p!talone.com Make payments Review account information • Manage your account in privacy 400006 Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1063 nlllh•lfl••uhhlrbllnl••Ihfh••II•l•!I!•H••I!I!lllhitll Please make dmics payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. JAMES D HARLIN ypew can 1 avid paYSg Each month you pay you. -Nava BPlute' In full, you wed hamr a nhnrrmaaarn gr ae3wled of 25 days with no interest charge on Sit new 1) purdww, 2) bOlarrm tramplers, 3)g@cW Padua and y othw dwMw t you hm Gen paying your rlcoart or hill %Mi M Is dWonapplied Ord you ed not pry yaw nee bill M lot PWOW Is War dame well be moped. Then is Je grata period on cash advances, special twmsim won any new tranaction when then ken unpaid belance from a previous bill. How Is the Y aptnied? Interest charges accrue from the 1) dap of the trenation• 2) date tle OsnuWon is processed or 3) fast calendar day of the Inters[ charges boame on away unpaid amount until It k Paid in full. This mom bifiling period. you may awe Interest charge wen it you pay to **he -New, ae' - one month, but did not do so for the ptalhusmonth- upaidinueat dtaAop m MMW o to pmpw soWn$M of you A=mt. However. we native the right to hat mass 0 to clue" at any taw. G a YOU eech 7 Yes.. A rMNmum INTB16T CHARGE of SOSO will 7sYNng period yaw aodeum is shas)ect to an interest ch.". Ibwsad you 7 Them m seaeral calculations that m used to deWrrnhae"womiosest t. TO ger View 0*eahnce: For mdh figment l) take der bepooky Vlelrnca win add in new shrsaobnt and the periodic stems[ charge on the prances dais balance. 2)fuWw any pow" and taedis fed that eagn'eit aeof t at day. The rewbktlhpdaay belanme far each segment. However, if you paid yaw previous momh•s balance in lull (Wit you believe was am or a eladlt amo rhq, new ttassaetlons which post to your purchaai at we" purdwrtsagmerts m not a w b the deity kaiances. Also, trarsactloro Viet AM subject to agram Period m hot added b thedoly bWW 2. To find You Average 004Y BeW w 1) add the decay balanan together and 2) dWkle the sum by the mane. 01 dais ash the bWag cyca. 3. Es mm Vow Total Interest Charge: 1) multiply you amwap it* GWoa by the daily periodic raft and 2) muldply, iit* result by the number of drys lo thre b1Wno period. NOTE: Was to rouMingor a msrnum mtemt charge, this cakulstion may vary from the interest charge adualy maMad. Now can hM w4ble aiXUlibtMMMLIW (1P10 dsarst"? You APR may increase or desasase Geed on ors dawnstandard ardlea reported ash The WON SoeatJoumd. To find which index is mod fw yaw account look for a code (P, I, c, s, D or F) on the front of this Nestle mnt net to the AM). Than dnack the taste below C0?7tNR laygkr Antaai pWO~ Waste OAPR) shwas which you rata webawd on When yalw Annual Pwmnfto Rae P Quantity plane+ mrgin PndPaly disclosed to you The era day of the L Ouwaay IJBOR + masgah MM-My dsdomd to you Mn particle the C OwhbfyCD+ margin phSwWNydepleted to you adin Jaiahy, April. 3 amtkmd Primes + mespin Previously d*dmW to you July and October. D Mm" prime- m slim PNrvroutly aiaelaaStl a you The faithey d each F Manny LMOR + margin pwwbuelypsaaed to you nnoraay billing G TrOoouy LIBOR + magin Paiousy dsobee l to you pied you N or Returned With trig account? Yes, under mum amwruWhea. Payment Poo. You may aim be charged oweriimn feat If Pernuthd by low. We mw" thefight o rm awe lees wtout prior notice all withou waiving our right to awls a similar fee let.. Now can 1 flgpg y kAgppyygt? You may dote your account by ailing or writing our Customer aaiabam Dapartment. M tot tall, we will Pale additional details khdudbg payment inlornhtion. if you ma your auk cad or charge; Pmt to your account ate you ask us to doe ht m can keep your aaoum open.To moil paying any Oploba a membership fees, all to close your account prior to the end of to cycle in which it is xtedulad to be baled. What happens M rM We may doe w suspend your account and your held to obtain credit at anytahe and for any moon, wan if you m not in default. Account monsoon harp be annulment or sarrpoay. if yaw account is closed or suspended you mart 1) stop stag your cmd t card and account, 2) cane f all automatic payments, 3) do" all credit cards are auceo decks, are 4) pay all amounts you owe us, in" if they were surged after the account was load. suspended. How do I ftWm s you mail b in WW be credited to your account as of the busirm d we owWv it as long m 1) you and the bottom portion of this statement and your died[. in the endued wri ttarw a scald, and 2) your payment Is received in oro of our protwsang centers by spin bed the. Plem allow at least (?) trueness days or mall del". AUkad lsalamients ncaiwed by us at any other location or in any oth.torm may not be credited as d to deywo racetAe them. bo you Psooaa paper ChWu as an Jbigiaell Funds ,g 7 Wnwr you "",I, a check n pryment youauthorin us acrd our agave Slow to near fafetrnetpn fiAm yotM chock. make Oneaitre tlKtionk fund wmAe Information oYour deposit yauweMpp the PMiart d a rdeek transaction. Whom fen we use from your ha dhNko an Slearahac tow wash[ funds may be whtdnwn from your dapofn account of a the mine day will reaMeyour payment Orel you will not rewM Your checkbak NOT fbwwxw bu*Uti" Your weheNtmfam is not linked by the date on the cock. We may kffk end electronically waect the returned payments. What If 1 fail fur OokpjRW If you ail entitled to bankruptcy protection, this commuNatlon Is foci fomotlon only, It Is not an a mow ask aoereOr rKaa a debt oreean. Ob ndtaawwpaymena w)tlousspaaldnp with yaw atomywthe Bankruptcy court. If you or yew attorney would kite to contact our dais senicar dkedly, plew plasma= COWA1 One • PO tux 30284 • Sat [Ale Cly, 84130-0285 iRLM MOM M M+ ARY (Does Not Apply to Snell 8usinea Acwyts) YAW TO Da N You Think YOU Find A Mstahe On Your statermm: if you drink then h an error on your imunwm. Write to us at: Capital one P.O. box 30285 San take City, UT 841300285 In yew later. gem us the following information: Your name and account numbs. now The tb5ar arrows of the suspected error. . if you think there is an error on your bill, deacrihe what you be5we is MCI atwraryyasa belleva n b • natake. You moat contact us within m dyer other the evor apposed on your ptaterwnt. You must notify us of arypoamsl whom Vywritina. You may call in or roily us electromcaay, but if you do we we not required to irwmgate any potential amen end you mW hoe to pay the wnourt in question. While we Imentigta whether or not tore has boon an error, the we true: • We cannot try to mod the amount in gnaatbn, w report you as on that amount. The c heap o pratlwn grey remain on you mlemherht are we mnay to ast on thaterhount. 114 t we dstertaeh tat we made a you wed nothive tee pay mtheanouo let quieticin orcry imam or otherlees rs:- otltu you -While you do not ham to pay the amount in guaton urvW era are you a notice about the outcome of our kmOadpation, you m respombk for the remainder of your belanca. • We cam appy any urpoid mount against your credit lank. Your Rigs If You Me Doatsaed With Your Credit Gnd Piarollose . it YOU m dissatisfied with to goo* or rwnwt that you here puMhsad natn ycu aedt ..and you have triad in good filth to comct the problem with the madhm, you may have mYpls not o py tle nim eirsng moum due On the purchase. To use this right all of the It" m%6t G true: t. The purchase must here been made in your home state orwithin tog hift d your current mailing estates, and the purchase prim rust have boon mere ton Mott:. Meitner of these an nose wy H yow Purchase was based On an adaatse are Ire o fpu, w t we own the comp arty that fold you the goods or anus.) 2 law mop lha,r yourasdit cad or two pwChre. Puicfiaa made with cast adwaoas from an ATtA w a deck tot accounts your credit cod amount do not *Wly. 3. You mutt not yes pail for the purdmee. It all at the anwle abOO are met and you m seer dsatsfwd wlhh the pimhaw, contact us in Mdft at: cae P.O. afx gazes San LOW City. Ur 84130-02615 White we anasbgate, to same ruin apply to the disputed amount as domed above. Atw we finish our NWWftabm, we Will tell you ow daason. At that point?I if we think you owe an amount and you do not PRY we may report you a delinquent. capita One s ppo is information PMay protection: sec our vA*??? ?''tc www capihbne.com capita One a a federally regstared sauce mark of Capita One FnrhrwpI Corporation. AN rights reserved O 2010 Capital One Tc-08 03mi/11 Changing Address? Address ............................................................. _............................ ......................................_......................................._.......... Home Phone ........................................................................................... 9 Alternate Phone .................................................................._....................... E-mail Address ............................................................................_............. Please print address or phOne nifinber dlanges above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps t0 make sure we process your payments smoothly: • Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay pfocessn • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. (9? Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.copkalone.com pop 2 of 2 14$•7079 ' www.capMWne.com ? Mar. 03 • Apr. 02, 2011 L 31 bays in Billing Cycle J pFadeaw MsarCard )000(-XXXX-X)00(-7176 Credit limit: $30,000.00 NEW BALANCE AIUNiAl1UM PAYMENT DUE DATE Available Credit $9,515.69 Cash Credit Limit: $15,000.00 $20A"31 $3,527.90 Apr 27, 2011 J ? Available Credit for Cash: $9,515.69 J Previm Baum Paymerhts and Credits Fees and Interest Charged Transactions New Balancte $20,140.76 - $0.00 + $343.55 t r $0.00 ' $20,464.31 ,TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was not received by the due do. To avoid tltis fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. l swia CRW "Ot lour account works d t#y now that you"re 7 payments late. Please see the next page for important account information Page 1 of 2 1400-2wi3319 www.eaphajone.eonVsoNJtions Apr. 03 - May. 02, 2011 30 Days in Billing Cyde ` J IMPORTANTACCOUNT UPDATES tosob reatd 52914921-45547176 Yourfull bakeroe is due. Arty paymern you make will reduce yrar balaiuce and help Pay off NEW RALANCE PAYMENT DUE DUE DATE yew debt faster. The amours you owe may Me 9 youhe erda W kacj a separate paynent $20,822.93 $20,822.93 PAST DUE avemr L Avaihbk Credit $0.00 hevilm Balance Payments end Gedits $20,484.31 - $0.00 + TRAIi'?CTIONS PAYMENTS, CREDM a ADJUSTMENTS FOR JAMES D HARLIN #r7176 Fees and Interest Charged $338.62 + ? J FEES 1 27 APR PAST DUE FEE $35.00 Total Fees This Period $35.00 Total Fees This Year $175.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $303.62 Total Interest This Period $303.62 Total Interest This Year $1,47816 Transklons New Balance $0.00 a $10,822.93 J is Ava. Just pickup the phone. Ca81-800.258.9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Paraatage Rafe (APR) is the annual interest rak on your armuht. An Type of Balerrce ead Perwntage BeiMrra Subject to kirlarestCharge Rae (APRs lot~ Rob Purchases 17.90% D $20,637.65 $303.62 Cash 24.90%D $0.00 $0.00 ? J PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COMISOLUTIONS TO MAKE YOUR PAYMENT ONLINE. 1 5291492145547176 02 0000000450000000065 Account Number: 5291-4921-4554-7176 Due Dee New Balence A wwrt Endosed r Past Due J $20,822.93 i JARES D HARLIN 505 GREASON RD CARLISLE, PA 17015-9436 IIIIIIIII??t1141?rhrlh-IIIIIlHlllhhl^rl?lu°?llrll^1111 Manage your account online. Visit www.capkralone.coWsolutions to manage your account online. Have information at your fingertips 2417 without picking up the phone. 400004 Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 26272-1083 uIIIII?AJrnhhhhlNllrrlhrhrllrlrlllrJl°III?IIrhIHI Please make checks payable to Capital One Bank (USA), N.A. and mail with this ampon in the enclosed envelope. Now ran I areid paying JONEI . Each month you pay Yom -Now balance- in full, you WN have a minimum grate poroS of 28 days whh no interest charge on ON new 1) Purchases, 2) balance ov re io s• 3) Nadal Purchases and y other drrgm. N you haw been p rAIV your mama" in full with to it to charges applied and you do not Ply your rwo bill in fiM. prorated iv ice dupes Will be nsusad. Thee is ter grace period on cash advances, transfers, or m any new twrvattlon when them is an unpaid balance from a previow big. "M Is the abigges oppliodT ahrrest charges accrue from the 1) date of the transaction, 2) the traneauon is pmaNad or 3) fine ahrder day of On billing period. Inisse" ? accrue ovem till on wiarY unpaid amount ws1 it is paid in fug. The revers; you may owe you pay the ontks'New bdmm* ore month, but did not do o for the pro0o s month. Un cold interest charges and added to the proper upmerd of your Account. rrwaeer, We raw" tilt right to not aeus hrrea charges at any time. Do your aaaate • T Yes. A mhemrm INTWAST O W M of $0.50 will be amusedfor each. petetl your account Is subject to an moult charge. Now did you gT Thee aw swral coh"tiom them wed to determine your otafit" t. TO gar your Daily felons: Far each segment, l) rNr. the bWw" baWoe and add In new transitions and the porbdk Interest charge on the pro4ow days balance. 2) Subtract any payments and cradl - for that mgmem as of that day. The result's the dely balance for each agnaiM flomrmm, 0 you pad your pmvhuw month's balance in full for if your balance use am or a cod h amount, new tra saetiom which post to your purchase or spade purchase spr earns am not added to she dry balances. Also, transactlons that are shsbject o aBtae tlalod am not added o the daily balances.2. To find yow.AYara¢ D* faience: ')add ftdally bahncesbpethw aid 2) divde the sum by tie numbs of days In the Wang gtXa. 3. liaknhate Vow Total int~ Charge: t) madtiply your savage daily, balance by the daily periodic raft amt 2) multiply the remit by the nun se of days h the b" Period. NOTE: Due to rounding or a minimum Interest charge, this calculation may urn from the interest charge actually aasmd. Is the -Pynsnt Due is BMS T No. All stated amounts are owed on the time of the statement. hotwwr, because imwwt lm charges and other doges might clamps from day to day a Provided in your nmelee agratimem; the amount due on the day you pay may be sryer. Tar eAff*e, N you peYtir amour read in this statement, your account might stilt how a balance after your peynmt is racearad. Abe mote that the amount you owe may citffer if YOUW enrmod into • aparar Payment mengement. Psase call the number an the font of the statement for an exact payoff mount. How CIM MY vmiabh ? (hero change? Yom APR may Increase or dweao bred on one of sewn seardad srdi, reported in The Wag SbamtJOrrnal. To find Which hdmts umd fm your eat MM kok fora code (P 4 C, S, D or F)on the font of this statement mat to the APR(s). Than deck the tabh below: n otoyour AnMma Pwcwftgp a (Apes) Rat Index which your tabs are bard on When year Almost IWa swul mum" P Owrlady Puma * rrwmgih p*jiouay t hesad to you The Net day of the C Ouadely LMM • -" far-teey &$W ad to you Wrong yes. . Bra C Ouwbdy CD • margin pailpwy dsdpaed to you end in Jimmy, April, S Banluoard PMr * magh Mw-J b dfaasuad o you July and October. D Marry Prima • oaphn WWAOLrly drosmd b you The find day of such F MdNMY L WR * margn ppswly do*ood o you rrpmMy pimp G 'r--Y LIBOR ? repro pmlasry 0-bW to you Pared. Am stem 4modsted With cry Socou t? Yes, under certain dreunssamees, you may be ageseed a Laos Itetteried Pays w as Pee. You may aW be ace led overilmlt fees If permitter) by IsW. You wig aio be requksd to pay Of of am actual coNedlon ealrnres, atbmya' few and court Ohs hmiess the law does not allow w to collet these a110wits . We raarve ft right to not amafees without prior notice and wfdnou Waiving our right to estate a elmalar fat late. What happens; N my 7 We may dose or suspend your account and your right to obtain auk at anytime and or any reason, awn It you am rot in default. Account surp rmlon ash be pmtemnt or semporey. N your account Is d I - or ausisto aid You must 1) sop using sow credit card and account 2) cancel all automatic payments, 3) dsby allcrdR card:and access dheas, and 4) pay all amounts you owe us, wen if they were charged otter the account was closed or suspended. 002 p2 Now do f yyy`„ T Payments you mall w err be credited bjyaw account at of the business day" reastsedem, a bog a: t) You send the bteKottw-(;-- this statement arc your cheek in the errdoesd nmNionn emelopt, and 2) year biod in CopW One's Woo" cane by fpm twat time. Phase agawrt adnw days for ntW dol ay. I I I ' Payereceleed by Cophol Oro at any a in any other tommnynatbaa*&Wnaftiwdy*"we @am', ,. Do yen Peckers Paper Checks as art a p4trrrN, you autlhowe w and ouragew aidw to use = Whom you provide • check your, deck to mNr r ore-dame eleovans fund tinder fmmm your depask aaeewn orb pro- on paymentas chock transaction. VA son ewer information from yep drekm -49 an escbomc fund trace, funds may be MNdra m, from your depceNacaouwM as oo a the Name day er radlokr your payment and you wM not make your dock back from firtwhchl ins innrn. Yaw outhorration is nW Wished by the date an the deck. We my it and electronically coiled the returned payments. WhM N I file far MakNOW N you are entitled to bonem pety protection, this communication Is for Watimitlon only, it is not an attempt to cbflact? Amu or mcm er a debt or dam. Do not mid us payments without aprkirig with your b atipti" atbrny or the bankngsy Court. N you hue quessbrr about sow amournar teve Yoke atbmey cetntact w. N you m sow attOmnywadd like ro mxt ow bmWupccyy claims -- Wee dkecdy, please contact: Capital One • PD Nark 3MBS • lt trio City, UT 14130.0285 BLUNO MGWS SUbOAAW (Doe Not Apply to Small IkAhes Accosats) What To Do N You Think You Find A Msaks On Your StaMnent: If you think therm is an error on your statement, vwhe to w at cap" One P.O.. Bons 30285 Salt Lebo Chy, N 84130.0285 In yaw latter, Ova us the followinii information: Yom name and account numbs. .J469 MOM The dDow amount of the vispeodarm, N you think them is an one ron your big, describe vuhat you h 6 a is wwrgarldw by you bow" It is a mistake. You matt contact us Within OD dys after the ens appeared on Yom ?tasmmt. You mum hotly w of ay patentW tenor 1DMMM.. YoumyuN wior mo* m alenonkagy, but N you do We are not maquird to WmstIpar any Potential amor and you inay yaw to pry the amount in question. While Pat swatter wdrther or not dam his been an mor, the em true: • We cannot try to collet the amounts gmUM Ormis myoua ton thea mount. • The charge in queston may nmrin on yeur ataNrrhernt aedsre me, to darge3ou harem an tlrt anlaunt. But N we daemon that we mkdms nhstass, you will not haw to pay the amountin gwnon or cry sourest m other faro malrtsdo vest aminmt. - While you do not hew to pay the amounts question umNwe tend a notice about the wdoeme of Our Wwodeabon, you are responsible for the tenhashder Yom Zeno. VOW 000 NTw Are daesfld WNh Your Crodit ChM . N you are dissatisfied with the goods m samicat that you hew phsdhaed with your credit end you haw tried in load o correct tineproblem with themedanf, you myr Now right not to pay the W"Ovft ter int duaon the purchase Tom IM night AN of sho mum be true: 1. The Pmdhese mum haw been made in yaw home ace orMphm too rraia of Vow current ntMir4 i W, and Se Purdese prim must hew been . mom them S . (Note: Neither of there am necessary N Pine purchase was bred an an adtaNMnrm sus o you, or N we own tie oelgey olatsold you the goods maarldca.)2. You mast haw your credit tad for She 1w9tem. Phschars mach with cash atsmca from m ATM m a trek that accuse your as* Oud account do not qualify. 3. Youm u not m Few paid for the purchase. If AN of tie erharla above are met and you am CM dssaSSSd with the rchave, contact us )Oamp at Clow one PA. Boa 3121115 Salt UAW city, Ltr 84130.0285 WNW we sratipar, the some rules apply to the disputed amount se docurad above. After We tsseh our WN*sbg ion, rote err tar You ow I "'A . At thatpointy R era think you owe an amount wed you do not pay we may report you n dalsqu mi. Capital Our ttVports information privacy Protection: its our wabalr at wmW.cepitalone.com Capital Ow is a fadaally mg tPrOd aMce mark of CaPrW One Rmuldel Corporation. AN rights reserved ® 2010 Capital One TC-10 0501110 To change or update your address please call 1-800.258-9319 or visit www cap abne cm/sotuutlens 200866 Now that your account is 7 payments past due, the changes detailed below will apply to your account. Hopefully, these changes will make it easier for you to take control of your finances again. Your balance is still due and you'll be contacted soon to discuss options for resolving your debt. You are responsible for paying the full balance on your account as well as any associated collections expenses as provided in your customer agreement, unless the law where you reside does not allow us to collect such expenses. If we continue to send you statements, you'll now receive them quarterly instead of monthly. We may continue to report the status of your account to the credit bureaus, unless prohibited by law. We will also report when your account is paid off. Help is available. We understand that it can be challenging to manage your finances. Here are three important facts about your account that may help make it easier for you to repay your balance: 1) Highest interest balances are paid first: You will no longer be charged past due, over limit, or membership fees. 2) No more compound interest: Future interest charges will never accrue interest-making it easier to pay down your debt faster. 3) Regular paymerrts will resolve your debt: Since your interest doesn't compound, making regular payments will get your balance paid. Call 1-800-258-9319 to discuss your options. If a third-party agency is already managing your account, your call will be automatically routed to them. Remember, you can check your balance and make payments online any time at www.capitalone.com/solutions. is aV`H@. 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. 0 2011 Capita! One. Capital One it a federally rjvmred rein mark. 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(41 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"O"- Page 1 of 1 1-960.2549319 www.capitalone.corNsolutions BfiA9!'D tIAT?UlM 5291-49214514.7176 NEW BAAANCE PAYMENT DUE DUE DATE $21,575.10 $21,575.10 Past Due Available Credit: $0.00 J previous Balance Payments and Credits Fees $20,822.93 - $0.00 , + $0.00 ? J L. J L TRANSACTIONS ; PAYMENTS. CREDITS a ADJUSTMENTS FOR JAMES D MARLIN #y7176 FEES Total Fees This Period $0.00 Total Fees This Year 5175.00 INTEREST CHARGED 1 05 MAY INTEREST CHARGE 516,71 2 05JUN INTEREST CHARGE $259.08 3 05JUL INTEREST CHARGE $250.73 4 01 AUG INTEREST CHARGE 5225.65 Total kderest This Period $752.17 Total Interest This Year $2,230.93 1 May. 03 - Aug. 01, 2011 J IMPORTANT ACCOUNT UPDATES Your full balance Is due. Any payment you make Will reduce Your balme and help payoff yotrdebt faster. The a ra t you ode mey diner r ymm emered imo a separate payment epam m. Interest dullryed New Balance + $752.17 ;21s75.10 J H is Avai . Just pick up the phone.' Call 1400-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTENEST CHARGE CALCULATION Your Amaral Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Su*ct Interest Charge Raze (APR) to Interest Raze Interest Bearing 14.650% $20,822.30 5752.17 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W W W.CAPITALONE.COWSOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 5291492145547176 01 2157510000002157510 Account Number: 5291.4921-4554-7176 Due Date New t1 Amount Enclosed Past Due J $21,575.10 J J BARES D.HARLIN soy GR£ASON RD CARLISLE, PA 17015-9416 Mona" your account online. Visit wwW.capbhM.CWWS0lVd is io manage your account online. Have information atlyour fingertips 24/7 without picking up the phone. Capital One Bank (USA), N.A. P.O. BOX 71063 CHARLOTTE, NC 26272-1063 'II?ILL.I.1111,IIIIIIIIII11.1.1'I'Illll?^Ill.ly.,l?.ll'l1.Ilt Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. L, Now Is do 111RULOM ayplledif Inherest charges accrue from tit 1) data of the transaction. 2) date the transaction is promised or 3) first calendar day of the killing period Interest charges amue on every unpaid amount w d A s paid in full. tenement. we Pointer the right to not acme varest changes at mr one, Have did yw y There are sewma calculation; that we used to demmmme your atal kmarat,darge. 1. To gat you. Daly SeWrm: 1) sale the current balance from when your amoum changed-off. 2) For each day after, Raised the permits, antis, and afuamna a of that day. The revel s the daily oendt bearing balance. 2. To fad you Average Wily former Bs+rn9 Nam: t) add The daily interest low" basin'" for", and 2) dande the sum by to member of days to emrest rate was in elect. 3. Fis mae your Trial Internal Charge: t) multiply your a cage daily balance by the dalf periodic rate and 2) multiply the retire by the number of days the merest rate was in effect NOTE: Due to round", balance adjusorieos, or returned payments, ths aakuabon may wry from the interest charge amaNy, seemed. a Yw'Fig rwat OW a bodAMMW No. AN seed imums are owed on the date time statement. fare, because aiti lee charges and titer large might lunge from day to day as preakd in your customer agreement, the amount de on the day you pay may be argot. For mmple. N you pry the annum stated in this "s"ent, per account might sUN Mw a balance ear per payment 6 momm. Aso note bra the amount you owe may darer N wil maned into a sepaaa pavement arrangement Please oar the =ftr on the front of der statement for m mmer eve of amount. M straw ,E,amotdaaiwalls my ammo Yes, wrier certain dnwsanas, you may be asseeeda arm rmd Farm, fee. You will also be requited to pay us aN of our actual collection ea banes. attorneyf fees and court was unea the law rises not Mow us to coley date revenues, We rearm the right to not saes fees without Prot node xd wnaut vamrg ow right to nee a similar fee later. Now like 7J T Pam a may be made in sti ways: 1.Ordne by going as wmw.cepitalom.mm and bgging ft) per aumunt 2. Teephom Mace hepomr Spam by dialing 1 aM955-2070 and intoning the else prompts. Werra you mob aphone payim it through sur we response system, pu a~lt w m instils an KTiot eecgomc popmi at will be debted from your bwre adUUnt Fords may be wilydaewn from your bank saqunta anti as the rem day we prow your Wrem. 3. Calling our telephone Wei number 1400*54070 and prowling your adomatiern on am call canner rep ire ramew. 1. Per ry" by mall should be semen dre meting addree provided on the botaTm Portion of this seem nt Papants will Wcmftd to your account • Fur Milne. wow The plains a of ihebuimadaywe receim it as long a they are made by 5 PM FT • For masted parsers a of tit brines day we meter R as king as: t) you send the bottom portion of this swement &to you Check in the endured rmnawe envaid e, and 2) your payment 6 hived in one of our procuring arms by 5pm lister time. Pam able at eat (7) bunks days for mail delmry. Mailed payments received by a at any other location or in my odor form may not be cmdiied a of the day re remhe them. Do roe Pit hprChads a we MINININUmskjamW Payments will be processed in one of two ways: When Pont Move* a chart or check memotion m dale a papmm, you authoda us or our agents to use the rommamnlo male, a one time ACt "weather or tiler electronic fund transfer from your delete account. We may also we the aturmtiun at pamsthe papmre a a check transaction. OWN 1 are Lr; 7 t you are enbW m bankruptcy protection, this communication is for information only, n is rot m..Ptto elect mains or mot er a debtor claim. Do mrsend us payments without spell wit, you bmkiuptty wormy or the Bankruptcy Court. If you haw quewions about your account or bankruptcy pr rcencl ng peaty have your attorney iron us. If you or your amsney woad kill m cony s our bankruptcy claims server dmectly. pease contactCapita One PO Box 30285 Salt Lake City, UT &1360285 MtltN6 NIMMS SUMk W (Dues root AWp v to Anal BMa A¢qunhJ YAW To Do MYwu Thlink Wo IMA MiakieNa On wowSk%wAnt If you thmkthere is w error on your Stmemem, writs m it, ate Capital Oft P.O. Boa 30285 San Lab City, UT 89130-0285 In vow faster, give us me fohowing information: • A=unt uimmNOn: You rank and atmwk number. • DDW amount The. dolor wow of the suspected error. • Distillation a Problem if you think mem is an error on put bill, describe wha You belark is wrong and why you below it is a mawale. You mute contact us warm 60 days after the error appeared an your firmamnt. You must notify us of my potential mars in wdit You may can us, her d you do we are nor required m im esogme any potential encmand you may haw to pay the arrourn in question. Whig we krveAyaae whether or not there hes been an error, the fofbwirg am out • We cemottrym coNeatha amount in question, or report pu as deiirpumt on to amount. • You do not need at pay myd"apukd amounts and reared intensity charges or fees until we send you a notice about the outcome d our nmgtigaon. • The charge in question may remain on you smmnam. and we maycom ue at charge you interest on mat amount IAA Nwe dewrame that we made a mistala, you van not law to pay the amount in quesddn or any interest or otter fee selaad m twtamount • VVi you do not hew to pay the amount in question until we send you a nonce about ark outcome of our inwwigaoon, you are mVioronie for tlw remainder of you balance. your 0$6IfVawAn CbsdW With Year CwA[Cod Priebe. iyour are dissuaded with to goods or BermKa that you have puthwd with your credit Card, and you haw tried in good tares m+mctt the probe. wNh the merchant you may hie the fight rotm pay the remaning amount due on the pwchaw To use th6 right all of the following must be tie: 1. You ends hum used your credit mid for the pinchaw. Purchases rmde with cash ad," 5 an ATM or with check that acceses you credit ofd account do not quality. 2. You must not p1 haw furry paid for tle purchase t an of the of elm above are meted you are all disai sfed with the purchase, correct us in wring at Capital One P.O. Box 30285 Sak (ale City, UT 84130-0295 While we imestigae, the -rules apply to to disputed mom as discussed abow. Aftiri we finish our Investigaton, we will tell you ow decision. At that point N we think you own, an amount and you do not pay we may report you as delinquent Capita One supports information priwry prmancrn: see ow webshe at www.capitakine.mm Capital (k,e s a federalty registered semi nark of capita One Fimntial Corporation. NI fights referwd O 2011 Capri oar To change or update your address please call 1-800-258-9319 or visit www.fapitalone.com/solutions 01 4 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. Pagel of 1 1.860.251IM19 www.Eapfta lone.com/BolUtfolls MUTWOSS 5291-49214554.7176 NEW BALANCE PAYMENT DUE DUE DATE 322,343.99 $22,343.99 Past Due Available Credit: $0.00 ? J Previous Balance Payments and Credits Fees $21,575.10 J - $0.00 J + $0.00 ,TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JAMES D HARLIN #7176 FEES Total Fees This Period $0.00 Total Fees This Year $175.00 INTEREST CHARGED 1 01 SEP INTEREST CHARGE $259.08 2 01 OCT INTEREST CHARGE $250.73 3 Ot NOV INTEREST CHARGE $259.08 Total interest This Period $768.89 Total Interest This Year $2,999.82 1 Aug. 02 - Nov. 01, 2011 J IMPORTANT ACCOUNT UPDATES Your full balance IS due. Any pymaR you mda wB reduce tour balance ad help pay off your debt faster. The arum you 0«r may drfer E you've entered into a sepaax payment W-- Interest Charged NOW Balance ` + ` $768.89 J = $22,343.99 J J l IS Avail Just pick up the phone.' Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (AP10 is the annual irnerest rah on your account. Annual Percentage Balalce Subject) Type of Balance Rate NPR) to Interest Rate' Interest Charge Interest Bearing 1 14.650% 1 $10822.44 $768.89 J PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COIWSOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 5291492145547176 01 0000000000000000000 a _;x Account Number. 52911-4921-054-7176 Due Dare New Balance Amount Enclosed / Past Due / $22,343.99 , r ? JL J L ? J JAMES D HARLIN 505 GREASON RD CARLISLE, PA 17015-4416 Manage your account online. 1;a Visit www.opitalone.com/sWudmi to manage your account online. Have information at your fingertips 24/7 without picking up the phone. Capital one Bank (USA), N.A. P.O. BOX 71063 CHARLOTTE, NC 26872-1063 .I?i?l,l„I'IHI,IIII??ill?lld,ly,l?l?l,,,lt?'I'P'II,ILtI'111 Please make Ched(s payable to Capital One Bank (USA), N.A. and mail with this Coupon in the enclosed envelope. New Is do "Iffil6ShM aI Iedt Interest dreaps accrue from to 1) claw of the traisacrbn, 2) data to intimation is prowsee I an 31 fast calendar day of the blaug period. Interest derges socn a on eery waved amount until a a paid in fu6: Ietveet, we rwrw that"to not aces aaeret charge at any time. Hew w yore iWNjSKjhLVA"gjftW There are several calculations that are used to deternwfe your tend! merest charge: I. To gat your Daily etbnto: t) tale the current belance from when your amount dearged-off. 2) For each day ant, subbad tle primaries, credits, and adpmments a of that day. The result a the daily namat bearing balance 2. To fad Vow Menage Dal ROW Ba!as9. Balance: t) add the daily aaNeat beating balance together and 2) divide the arum by the marten of dayMTlw truest TO was in effect 3. Eemae your TAI Mast Charge: 1) multiply you awrage ddy balm by the dolly, pedddit saw and 2) muNply the insult by the number of days de merest make wine e8em NOTE: Dw to rouWrg,.balana adjustments. or returned payments, that calculation may very from the natestdarge artwlly assessed. Nile-PwlwvDue likeelfif pNo. Apr shad amounts am owed on the date of the statement However, became merest late dwges and that charges might doge from day to day as provided in yaw customer agce inerm, de amount due on three day you pay a" be larger. For eample, B you pay the amount steed in this staemeM, yaw a orunt mgt sM have afNlMr! afar pun peyaent is received. All now that the amount you owe may differ 4 paw entered him a separate payment magaent Pease call the number on to hoe of the Statement for m tact pyo8 amount M thew( ,W aleWwad wkhmy MANN Yes, under certain dmumSaricers, you may be awssed a Returned ApperH In. You will also be redwood b pay us all of our aMwl collection expenses. moroeys' fee and rout ousts wiles arm low does rdt allow us to called dwsa amounts M name the right o not asses lees without prey ntoam and wawa warring our right to awn a simiW ate later. Now de Iii Payment may be made in several ways: 1. Online by gong W www.capiwbne.mm and tugging wW put adsaaa 2. telephone Yoh Kemal System bydewg 1{100955-7070 and fodoswg the sob prompt. When you MOW a phone payment through our wu response system, you authorial us m avtae inACH or electronic psyoenedart will be dmMd from your bated: amount Fwak may be wiWkavm from your bank amount as soon as the sama day vve process Vow paynerrt 3. Callug owleephone mar number IMD-955-7070 and providing your informal to our call center representative. 4. Paymerab by mar should be set a to me" adder provided on tle boom portion of TS statenent Papers will be cackled m Vow acco0fR For &&A. or oat the owns as of the business day we recent it as long a they, am made by 5 PM ET • For mmletl payments a of the baiyess clay we mow it as long a: 1) you send the fiction portion of this stalment and your deck in the enclosed .. mmNance enebpe, and 2) your payment is revived in one of our proceal arrwrs by 5pm local time. Pease allow at east (7) banes days er mail delivery. Mailed payments received a' w at ergs other location or in any other teem may not be credited a of to day we revive them. Do Vow yeeara PeperCall a M MUMMUMMUR&W PapnMS wlI be processed in one of two ways: When you provide a check or dedt nervation to make a payre d, you aum free us or our agent to we ire worms on to MAW a one time ACH taaaraon or eder eevoec fund transfer from Vow deposit account We may also use the adamatWn w Process; the payeee a a deck uansacaon. Wild d 1 fie far j f If you ate entitled to bank uplry protection, pas communication is for information only, a is not an aoertrct to mMed, asses or mover a debt or claim. Do not send w payments without spealiN with yaw banbugry akiM or the embupby Court. d you hoe questions; about your acccurr or banknlptcy proceedir peas haw your eaorney mnttad w. n you in your atoroey veuld Ida to ranted our baMwpKy claims servitor well pease comas Capita One PO Box 30285 - Salt Lake City. UT &130.0285 KING YBN1M Kv w (Oates' Not Apphyto Jima 8ca2rtesf Acicow bc) M MYo Do NYerriW %v MdAMYOWonYw SMm*at It you think there is an error on your sndM11lM, wine m us M Capital One P.C. Box 30285 Sat Lain Cry, UT 8 41 3 0 0285 In yuw kter, give wthe fol" ademeeon: • Account nMrmadon: Your naafi and account number. •Dollar mot The does mot of to suspected error. • Description of Problem: t you hftthea van error on your bill, describe what you bereve a wrong and why you believe r is a nmmin. Yw must conduct us waft 60 days atlerde mor appaarldon your jaevent You must no* us of any poetical errors in well You may call us, bur d you do we am not "wed to mYe0gaw my paeraal errors and you may haw to pay the amount in question. While we Investigate whether or not them has been an error, the following we true: • We cannot try m collect the ampwr in question, or report you a deknquent on that amount • You do not need m pay 4" dlspued amounts ant rotated irrerest charges or farm urril wk send you a rrotoe about the outcome of ow inestgeen. • The charge in question may remain on your staenel and we may omwwe m dual rest on that amount But If we deMmire that we merle a meal you will not have to pay to amount in quesbdm me or any interest or other fees review M the amount • While you do not have to paytle amount in question oral i e fend you a notice about tit owcame of our kmaagawn, you am responsible for to remainder of your balance. Your 0190 If year M Dbo*AW Wth YOwCwa Cad Padwea. If you am dasat ied with the goods or services that you have purdewd wan Vow credit card and you have find in good farm mcsmedte problem with the merchant, you may have the fight not to pay the mine" amount der on the Purchase'. To we this rk)tr, ed or the following must be true: t. You must haw used your credit card for the pwchee. purchases made with cash advermun, from an ATM or with a check that vocal your credo card account do not quray. 2. You must not yet have fully pod for the purchase If all of the criteria above ate met and you are oil daaaased wilt the purchase, contact us in wrong m Capri One P.O. Bea 30285 Salt LOW Cry, UT W 30 0285 While we anesagae, the same rules apply to the disputed amount as discussed above. A ten are fmah our Invetigatbrv we will ell you ow decision. At that point if we think you owe an amount and you do not Pay are may report you a delinquent Capital One supports information Privacy Protection: see ow vel at www.caphtalore.com Captl Ohm a a federally reg named seance mark of Capita One Fmndal Corporation. AN rights reserved O 2011 Capital One To change or update your address please call 1-800-258-9319 or visit www.capblone.com/solutions PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB li. -OFFICE 425 EAGLE ROCK AVENUE 1E PROTHONOTA ROSELAND, NJ 07068 973-618-0000 QIZ JUL 26 PM 140 ID #92125 CUM ND OfTNORNEY FOR PLAINTIFF RILASYLVA CAYrrAL ONE BANK (USA), N.A. CUMBERLAND COUNTY COURT OF COMMON PLEAS Plaintiff(s) V. JAMES D HARLIN Defendant(s) NO. 2012-2019-CIVIL CERTIFICATE OF SEgWCE I, Katherine Dieterle, hereby certify that a true and correct copy of the Plainti s Notice to Defend and Amended Complaint was served this date by first class U.S. Mail, postage prepai upon the following: JAMES D HARLIN 505 GREASON RD CARLISLE PA 17015-9416 Date: NN107448 Respectfully Submitted: NUDELMAN, KLEMM & GOLU% P.C. Ai4e4-'(A" e Dieterle, Legal Assistant 425 le Rock Avenue Roseland, NJ 07068 (973) 618-0000 ROBERT L. BAROSKA, III, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND,NJ 07068 973-618-0000 ID #306728 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK(USA),N.A. CUMBERLAND COUNTY COURT OF COMMON PLEAS c ' MCC yam„ tTB� V. NO. 2012-2019-CIVIL , CD JAMES D HARLIN r` -cam -c, - zc) cam° Cn ORDER TO DISCONTINUE AND END WITHOUT PREJUDICE Zn 7j. TO THE PROTHONOTARY: Kindly mark the above-captioned matter as discontinued and ended without prejudice upon payment of your costs only. Date: May 9, 2013 Respectfully Submitted: NUDELMAN, KLEMM& GOLUB, P.C. - Robert L. Baroska, III, Esquire 425 Eagle Rock Avenue Roseland,NJ 07068 (973) 618-0000 NN 107448