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HomeMy WebLinkAbout12-2473COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS 9TH Judicial District, County Of CUMBERLAND NOTICE OF APPEAL FROM MAGISTERIAL DISTRICT JUDGE JUDGMENT L COMMON PLEAS No. Aa orc div Ferm NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. CAPITAL ONE BANK (USA), N.A. 09-3-05 MARK MARTIN ADDRESS OF APPELLANT CITY STATE ZIP CODE 425 EAGLE ROCK AVE ROSELAND NJ 07068 DATE OF JUDGMENT IN THE CASE OF (Plaintiff (Defendant)' 03/27/2012 CAPITAL ONE BANK (USA), N.A. V9 SHANNON E L KE DOCKET No. SIGN RE OF APPELLANT OR ATTORNE OR AGENT CV-0000032-12 This block will be signed ONLY when this notation is required under Pa. R.C.P.D.J. No. 1008B. This Notice of Appeal, when received by the Magisterial District Judge, will operate as a SUPERSEDEAS to the judgment for possession in this case. If appellant was Claimant (see Pa. R.C.P.D.J. No. 1001 before a Magisterial District Judge, A COMPLAINT MUST BE FILED within twenty (20) days after filing the NOTICE of APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon Name of appellee(s) (Common Pleas No. appellee(s), to file a complaint in this appeal ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or attorney or agent RULE: To Name of appellee(s) , appellee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. Date: 20 Signature of Prothonotary or Deputy YOU MUST INCLUDE A COPY OF THE NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. AOPC 312-05 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND Notice of Judgment/Transcript Civil r . Case Mag. Dist. No: MDJ-09-3-05 MDJ Name Honorable Mark Martin Address: 507 North York Street Mechanicsburg, PA 17055 Telephone: 717-766-4575 Paul J. Klemm, Esquire, Esq. c/o Nudelman, Klemm & Golub, P.C. 425 Eagle Rock Avenue Roseland. NJ 07068 Disposition Summary Docket No MJ-09305-CV-0000032-2012 Plaintiff Defendant Capital One Bank (USA), N.A. Shannon Edwards Lake Capital One Bank (USA), N.A. V. Shannon Edwards Lake Docket No: MJ-09305-CV-0000032-2012 Case Filed: 2/14/2012 Disposition Disposition Date Judgment for Defendant 03/27/2012 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. l?' ?. Date Magisterial District Judge Mark Ma rtin certify that this is a true an correct copy o the record o the proceedings containing the judgment. Date Magisterial District Judge MDJS 315 Page 1 of 2 Printed: 03/27/2012 9:15:55AM C ? .sl PAUL J. KLEMM, ESQUIRE m NUDELMAN, KLEMM & GOLUB, P.C.n ti 425 EAGLE ROCK AVENUE r...? w --i ROSELAND, NJ 07068 d xW 973-618-0000 ? _?= ID # 92125 ATTORNEY FOR PLA*IFJ 5, CAPITAL ONE BANK (USA), N.A. CUMBERLAND COUNTY Plaintiff(s) V. SHANNON E LAKE Defendant(s) /a- a LI 73 0ivilTerr. COMPLAINT IN CIVIL ACTION NOTICE AVISO 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. USTED HA SIDO DEMANDADO/A EN CORTE Si usted desea defenderse de las demandas que se presentan mds adelente en las siguientes paginas, 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 aqui en contra suya. Se le advierte de que si usted falla de tomar accidn 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. 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 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 I\N THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPTIAL ONE BANK (USA), N.A. ) NO. Plaintiff ) V. ) SHANNON E LAKE ) Defendant(s) ) COMPLAINT IN CIVIL ACTION Filed on behalf of: Capital One Bank (USA), N.A. Counsel of Record for This Party: Paul J. Klemm, Esquire Pa I.D. #92125 Nudelman, Klemm &Golub, P.C. 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. ) NO. Plaintiff ) V. ) SHANNON E LAKE ) Defendant(s) ) COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK (USA) N.A., above named, 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." 2. Plaintiff is informed and believes that Defendant resides at 5116 RAVENWOOD RD, MECHANICSBURG, PA 17055-4836. 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 January 19, 2006 Defendant entered into a written agreement with Plaintiff. The signed application is not accessible to Plaintiff as the transaction may have occurred via telemarketing or the internet. The Customer Agreement is attached hereto as Exhibit "A" and incorporated into evidence. 5. Defendant owes the principal sum of $1,381.39 for credit extended by Plaintiff on account number 4003448683100614, and the reasonable value of goods sold and delivered and/or services rendered. The credit card statements which include an account history with the substance of every adjustment for any debit, credit, interest and/or fee, and the time and place of said transactions are attached hereto as Exhibit "B" and incorporated into evidence. 6. Plaintiff reserves the right to supplement its pleading should additional 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 and reasonable attorney's fees. 8. Plaintiff avers that Defendant breached the agreement and is in default for failing to make payments pursuant to the terms of the agreement on or about August 2, 2008. 9. Plaintiff has demanded payment but Defendant has failed or otherwise refused to pay the aforesaid sum due. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the principal amount of $1,381.39, interest, reasonable attorney's fees and costs with continuing interest thereon at the legal rate from the date of Judgment. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. COUNT II - 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 $1,381.39 on a certain book account, account number 4003448683100614. The credit card statements which include an account history with the substance of every adjustment for any debit, credit, interest and/or fee, and the time and place of said transactions are attached hereto as Exhibit "B" and incorporated into evidence. 12. Plaintiff sues Defendant for goods sold and delivered and/or services rendered by the Plaintiff to Defendant, upon the promise of Defendant to pay the agreed amount as set forth in Exhibit "B" and incorporated into evidence. 13. The Plaintiff sues Defendant for the reasonable value of goods sold and delivered, 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 $1,381.39 on 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 and reasonable attorney's fees. 16. Plaintiff avers that Defendant breached the agreement and is in default for failing to make payments pursuant to the terms of the agreement on or about August 2, 2008. 17. Plaintiff has demanded payment but Defendant has failed or otherwise refused to pay the aforesaid sum due. WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant, in the principal amount of $1,381.39, interest, reasonable attorney's fees and costs with continuing interest thereon at the legal rate from the date of Judgment. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Respec y Submitted: Nu man, Klemm & Go b, P.C Paul J. Klemm, Esquire Nudelman, Klemm & Golub, P.C. 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 ) NO. V. ) SHANNON E LAKE ) Defendant(s) ) VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he is an authorized agent of Capital One Services, LLC, an affiliate of and service provider to Plaintiff herein, and that he is duly authorized to make this Verification, and that the facts set forth in the Complaint in Civil Action are true and correct to the best of his knowledge, information and belief. Dated: April 19, 2012 Richard A Napolitan EXHIBIT A Capital One® Customer Agreement Welcome to Capital One Thank you for opening a credit Card Account with us. This Customer Agreement ("Agreement") contains the terms for your Capital One credit Card. Some Definitions. The meanings of the terms you see in italics appear in the Glossary Section. To make the Agreement easy to understand, we will also use the following personal pronouns: "You," "your" and "yourself" mean each applicant and co- applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. It also includes an Authorized User as defined in the Glossary Section. "We," "us," "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) any Privacy Notices describing our limitations on sharing information about you with others; (5) your Card benefits brochure which describes benefits provided by the Payment Card Network for your Card and Account. The most current version of your Card benefits brochure will replace all prior versions; (6) the "Security" Agreement if you have a secured Card; (7) all disclosures and materials provided to you before or when you opened your Account, including Truth in Lending Disclosures; (8) all other documents and disclosures relating to your Account including those provided online; and (9) any future changes we make to any of the above things. Please read these carefully and keep them for future reference. An image of any of these can be used instead of the original. New Offers. In the future, we might make new offers to you or forward offers from others that we think you might be interested in. These offers may have new or different terms and documentation for these offers will be provided when we make you the offer. If you accept the offer, your previously disclosed terms will still apply except as modified by the offer. Account Information. We need information about you to manage your Account. The information we need includes: (1) your legal name; (2) a valid U. S. mailing address and residential address (if different); (3) your date of birth; (4) your social security number or other government identification number; (5) your telephone number(s); and (6) your employment and income information. You must tell us when this information changes. Please update your address in the manner provided on your Statement. You may also update some of this information by logging onto your Account on our website or by calling one of our representatives at the telephone number provided on your Statement or on the back of your Card. We may require you to provide additional documents that are acceptable to us to verify this information or any changes. We maintain the right to restrict or close your Account if your information cannot be verified or if you do not provide additional information as requested. Credit Limits. When you open your Account, you will receive your credit limits. These will also appear on your Statements, We might also refer to your credit limits as your credit lines. We may give you different credit limits for the different Segments of your Account, For example, you might have a different credit limit for purchases than for Cash Advances. You are responsible for keeping track of your Account balances and your available credit limits. Do not allow your Account to go over any credit limit even if you have authorized us to charge you an overlimit Fee for doing so, as described in the Interest Charges and Fees section. We =ill honor transactions above your credit limits, but our honoring of these transactions will not increase your credit limit. We may also increase, decrease, restrict or cancel your credit limit on any Segment at any time. This will not affect your obligation to pay us. Using Your Account. You promise to follow the terms of this Agreement as long as your Account remains open or has a balance. Please sign the Card immediately when you receive it. The Card is valid during the dates provided on the front. The Card is our property, and you will return it to us or destroy it if we ask. You will take reasonable steps to prevent the unauthorized use of your Card and Account. We are not responsible if anyone refuses to accept your Card for any reason. Also, we may reject any transaction for any reason, Unless we tell you otherwise, we will bill each transaction to the applicable Segment of your Account and apply it against your available credit limit for the Account and Card for that Segment in each Billing Cycle. You may also obtain Cash Advances and Transfers if they are permitted for your Account. Unless we agree, you may not use a Transfer to transfer amounts from other Accounts with us or any other company within the Capital One organization. You must not use, or try to use, the Card for any Internet gambling transactions or transactions that are illegal or not permitted by us. You will still be responsible if you do. In addition, these transactions will be subject to this Agreement, and you might have to reimburse the Payment Card Network and us for all damages and expenses. From time to time, due to circumstances beyond our control (such as system failures, fires, floods, natural disasters or other unpredictable events) our services might be unavailable. When this happens, you might be unable to use your Card or obtain information about your Account. We will not be responsible or liable if this happens. Rewards. Your Account might provide you with the opportunity to earn rewards. If it does, we will separately provide you with all information and terms about your rewards. We will include on your Statements all rewards you have earned. It might take up to two Billing Cycles for your earned rewards to appear on your Statement. Using Your Access Checks. When we provide you with Access Checks, we will tell you whether we will treat them as purchases, Balance Transfers, Cash Advances or Special Transfers. Only the person we designate may use Access Checks. Access Checks may not be used to pay any amount you owe us or any other company within the Capital One organization. We may reject and not pay any Access Check for any reason. Some examples of reasons why we may reject and not pay include: yourAccount is delinquent, charged-off, bankrupt, lost/stolen or closed; our fraud system prevents the offer fulfillment; yourAccount is overlimit; or the checks have expired. Any liability for our wrongful dishonor of an Access Check will be limited to your actual damages and will not exceed the amount of the Access Check. When you use an Access Check, you will have fewer rights to dispute merchant transactions than with other uses of your Card. Please see the "Billing Rights Summary" part of your Statement and your other Truth in Lending Disclosures for more information. Stopping Payment of Access Checks. You may request a stop payment on any Access Check by contacting us as provided on your Statement. We may charge you a fee to stop payment as described in the Interest Charges and Fees section. If you call us to stop payment, you must also send to us a written request within 14 calendar days. We will have a reasonable amount of time after your stop payment request to research the situation and complete it. We will not be responsible if we cannot complete the stop payment because the Access Check was already paid, you do not give us the information we asked for or the information you gave us was incorrect. If we cannot stop payment for these reasons, we may still keep the stop payment fee. Once we complete a stop payment, we do not have to release the stop payment order unless the same person asks us to, If we re-credit your Account after paying an Access Check following a valid stop payment order, you give us all of your rights against the payee or other holder of the paid Access Check, You also agree to help us in any actions we might later take against that person. Using a PIN. We may give you a personal identification number (PIN). For security reasons, you might have to provide the PIN before you are able to complete some transactions using the Card, With a PIN, you may use your Card to: (1) obtain cash from certain automated teller machines (ATM) or (2) make purchases at certain merchant or retailer point-of-sale devices (POS). You may do these things if the ATM or POS requires entry of a PIN and displays the logo of the Payment Card Network on your Card. We will treat all ATM transactions as Cash Advances and all POS transactions as purchases. You should keep your 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 Information Section. We may limit an Authorized User's ability to initiate certain transactions. If we do, we will tell you about these limitations before adding any new Authorized User on your Account. Once we add an Authorized User to your Account, we may discuss your Account with them and provide them with Account information. You will be responsible for the Authorized User's use of the Card and your Account as well as anyone else the?, allow to use your Card or Account. This will be true even iou did not want, or agree to, the use. Removing an Authorized User. If you want to remove an Authorized User from the Account, you must contact us as provided on your Statement and request their removal. We will have a reasonable amount of time after your request to research the situation and remove them. You also must immediately destroy all Cards in their possession and cancel all of their billing arrangements to the Account. We will not do this for you. During this time, you still will be responsible for all amounts they charge to the Account. You will be responsible even if these amounts do not appear on the Account until later. An Authorized User may remove themselves from the Account upon request. We may close your existing Account and/or issue a new Card with a new Account number. Your Promise to Pay. You promise individually and jointly to pay us all amounts due on your Account. This includes amounts where you did not sign a purchase slip or other documents for the transaction. If you use your Card number without presenting your actual Card (such as for mail, telephone or Internet purchases), this will be treated the same way as if you used the Card in person. If you let someone else use your Card, you are responsible for all transactions that person makes. Your promise to pay us will apply to your estate if you die. Statements. We will send you one Statement for all Cards on your Account unless the law does not require or permit us to send a Statement, Statements will be sent at the end of each Billing Cycle when your Account has a debit or credit balance of more than $1.00, or if we have charged any Interest Charges to your Account. Your Statement will show all transactions billed to your Account during the Billing Cycle along with other important Account information. Disputed Transactions. You must inspect each Statement you receive and tell us about any errors or questions you have as described in the "Billing Rights Summary" part of your Statement and other Truth in Lending Disclosures. If you do not notify us as provided in those disclosures, we may assume that all information in the Statement is correct. If you dispute a transaction made by you or someone else on your Account, and we later credit your Account for all or part of the disputed amount, you give us all of your rights against that other person. You also will: (1) give us any merchandise or other purchases you received in connection with the disputed amount if we ask; (2) not pursue any claim or reimbursement from the merchant and that other person; and (3) help us pursue and get reimbursement from the merchant and that other person; your help includes giving us documents that we ask for and that are acceptable to us. Interest Charges and Fees. We will charge7nterest Charges and Fees to your Account as disclosed to you in your Statements and other Truth in Lending Disclosures. In general, Interest Charges begin to accrue from the day a transaction occurs. However, we will not charge you interest on any new balances posted to the purchase Segment of your Account provided you have paid your previous balance in full by the due date. We will treat the following Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if they are provided in your Truth in Lending Disclosures. We may increase your Interest Charges and Fees as described in the Changes to Your Agreement section or in your Truth in Lending Disclosures. • Membership Fee. We may charge you this Fee as early as your first Billing Cycle or the first Billing Cycle after this Fee becomes effective. If it is an annual Fee, we may then charge it approximately once per year. If it is a monthly Fee, we may charge it once in each Billing Cycle. This Fee is payable in advance even if you do not use your Account. • Late Payment Fee. We may charge you this Fee if we do not receive your payment in time for us to credit it by the due date shown on your Statement. • Overrlimit Fee. If you agree, we may charge you this Fee when a transaction causes you to go over or remain over any of your credit limits during any Billing Cycle. We may also charge you two additional Fees if your balance remains over your credit limits as of the payment due date in future Billing Cycles. You will only pay one Fee per Billing Cycle, even if you go over your limit multiple times in the same cycle. • Returned Payment Fee. We may charge you this Fee each time any payment you make to us is not paid by your financial institution for any reason, even if that institution later pays it, • Returned Access Check Fee. We may charge you this Fee if we do not pay an Access Check for any reason, including when your Account is in default, overlimit, suspended or closed. • Stop Payment Fee. We may charge you this Fee each time you request us to stop payment on an Access Check or you renew an existing stop payment order as provided in the Stopping Payment of Access Checks section. • Copying Fee We may charge you a per-page Fee for copies of transaction documents or Statements unless they are required in resolving a billing dispute. • Cash Advance Fee We may charge you this Fee each time you obtain a Cash Advance. This Fee will be treated as a Cash Advance transaction. • Transfer Fee. We may charge you this Fee each time you obtain a Transfer. This Fee will be treated either as a Special Transfer or purchase transaction depending on the Segment in which the Transfer posts. Transactions Made in Foreign Currencies. If you make a transaction in a foreign currency, the Payment Card Network will convert it into a U.S. dollar amount. The Payment Card Network will use its currency conversion procedures in effect when it processes the transaction. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. We do not currently adjust the currency exchange rate or charge any additional currency conversion Fees. No Warranties. Except as otherwise provided in the "Billing Rights Summary" part of your Statements, we are not responsible for any claim you might have regarding the purchases of goods or services made with your Card. Merchant Refunds. If you are entitled to a refund for goods or services purchased with your Card, you will accept these refunds as credits to the purchase Segment of your Account. We do not control when a merchant sends us your refund. We will also have a reasonable amount of time after we receive your refund to process it. Minimum Payment. Your Statement will provide instructions for making payments, including the amounts due and the due date for receiving your payment. If applicable, your Statement will also include a minimum payment amount. To avoid a late payment Fee, you must pay us at least this minimum payment amount by the due date provided in the Statement. If you have agreed to incur Fees for going over your credit limit, be aware that paying only the minimum payment amount might not be enough to avoid an overlimit Fee. In addition to the minimum payment, you may pay all or part of the total balances on your Account. However, you must still pay at least the minimum payment amount each month, even if you paid greater than the minimum on the previous Statement. We will continue to charge Interest Charges during Billing Cycles when you carry a balance regardless of whether your Statement includes a minimum payment that is due. If your Account is 180 days past due, part of a bankruptcy proceeding or otherwise charges off, the entire balance is immediately due and payable. Making Payments. Your payments must be in U,S. dollars from a U.S deposit account and otherwise be acceptable to us. We do not accept cash payments through the mail. You may not make payments with funds from your Account or any other credit account with us or any other company within the Capital One organization. Mailed Payments. You must mail payments to us at the address provided on your Statement or as otherwise instructed by us or our agents. We will credit it to your Account on the day we receive it, if: (1) you send the payment coupon included with your Statement in the same envelope with your payment; (2) you include your Account number on your payment; and (3) your payment arrives at the address indicated on the payment coupon in our processing center by the time indicated on your Statement. If your due date occurs on a day on which we do not receive payments, any payment received the next day which conforms to the above requirements will not be treated as late. Please allow at least 7 days for postal delivery. Unless we or our agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any other form might not be credited for up to 5 days. This might cause you to be charged late payment Fees and additional Interest Charges. Faster Payment Services. We may make services available that allow you to make faster payments through a customer service representative using a telephone, the Internet or other payment system. We will describe the terms for using these services before you use them, You do not have to use these other payment services, and we may charge you a Fee for using them. If we do, we will tell you the amount of the Fee at the time you request the service. We are not responsible if a payment made using our payment services is rejected or not paid. Even if it is, we may still keep the Fee. If you give your Account number or other Account information to someone else to make a payment for you, we may provide Account information to them and process their payment as if you made it. We may refuse to accept any payment made by someone else for our Account. If we accept a payment made by someone else for your Account, you will be responsible for the payment made even if that payment is rejected or not paid. Payment Processing. We may accept and process payments without losing any of our rights. Even if we credit your payment to your Account, we may delay the availability of credit until we confirm that your payment has cleared. We may resubmit and electronically collect returned payments. We may also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle similar issues. When you provide an Item as payment, you authorize us either to use information from your Item to make a one time electronic fund transfer from your deposit account or to process the payment as an Item. We will provide additional information about this process on your Statement or other documents we send you before your payment, You may contact us and ask that we not process your future Items in this way. When you provide an Item as payment, it might also be converted into an electronic image and collected and returned electronically. These electronic images may also be converted to substitute checks. We will not be responsible if an Item you provide has physical features that when imaged result in it not being processed as you intended, How We Apply Your Payments. We apply your minimum payments to lower Annual Percentage Rate balances before higher ones, We apply any portion of your payment, in excess of your minimum payment, to higher Annual Percentage Rate balances before lower ones. Items with Restrictive Words, Conditions or Instructions. All Items that have restrictive words, conditions, limitations or special instructions added (including Items marked with the words "Paid in Full" or similar language) and all accompanying communications must be mailed to and received at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. If you make your payment or send any accompanying communications to any other address, we may accept and process the payment without losing any of our rights. Credit Balances. We may reject and return to you any payment that creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that your payment has cleared. We may reduce the amount of any credit balance by any new amounts billed to your Account. You may contact us as provided on your Statement and request a refund of any available credit balance. If you contact us in writing, we will refund your credit balance within 7 Business Days from our receipt of your written request. Account Default. We may consider you in default of your Agreement with us if: (1) you do not make any payment when it is due; (2) any payment you make is rejected, not paid or cannot be processed; (3) you exceed a credit limit; (4) a bankruptcy or other insolvency proceeding is filed by or against you; (5) you die or are legally declared incompetent or incapacitated; (6) we determine that you made a false, incomplete or misleading statement on any of your Account documentation, or you otherwise tried to defraud us; (7) you do not comply with any term of this Agreement or any other agreement with us; or (8) you permanently reside outside the United States. For certain actions, including changing the rates and fees on your Account, our options appear in our original offer materials when you opened your Account. Remember, payin the Fees charged in connection with a default will not by itself cure the default, in addition, if you are in default, we may take the following actions without notifying you, unless the law says that we must notify you: (1) close or suspend your Account; (2) lower your credit limits; (3) increase your minimum payment; (4) demand that you immediately pay the entire balances owing on your Account (for example, as described in the Minimum Payment section); (5) continue to charge you Interest Charges and Fees as long as your balances remain outstanding; and/or (6) pursue any other action against you that the law allows, which includes the filing of a lawsuit against you. You must pay us all of our collection expenses, attorneys' fees and court costs unless the law does not allow us to collect these amounts. Communications. We may contact you from time to time regarding your Account. We may contact you in any manner we choose unless the law says that we cannot. For example, we may: (1) contact you by mail, telephone, email, fax, recorded message, text message or personal visit; (2) contact you using an automated dialing or similar device ('Autodialer"); (3) contact you at your home and at your place of employment; (4) contact you on your mobile telephone; (5) contact you at any time, including weekends and holidays; (6) contact you with any frequency; (7) leave prerecorded and other messages on your answering machine/service and with others; and (8) identify ourselves, your relationship with us and our purpose for contacting you even if others might hear or read it. Our contacts with you about your Account are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. Unless the law says we cannot, we may modify or suppress caller IQ and similar services and identify ourselves on these services in any manner we choose. When you give us or we obtain your mobile telephone number, we may contact you at this number using an Autodialer and can also leave prerecorded and other messages. We may do these things whether we contact you or you contact us. If you ask us to discuss your Account with someone else, you must provide us with documents that we ask for and that are acceptable to us. Credit Reports. We may provide information about you and the Account to consumer (credit) reporting agencies and others as provided in our Privacy Notices. Information we provide might appear on your and the Authorize Users' credit reports. This could include negative information if you do not comply with the terms of this Agreement. We may obtain and use credit and income information about you from consumer (credit) reporting agencies and others as the law allows. Closing or Suspending Your Account. You may ask us to close your Account by calling or writing us as described on your Statement. Your Statement will provide additional information about this process, and we may also separately provide you with additional details after your request. This might include payment information. If you use your Card or charges post to your Account after you ask us to close it, we may keep it open or reopen it. We may close or suspend your Account and your right to obtain credit from us. We may do this at any time and for any reason, permitted by law, even if you are not in default. A suspension of your Account might be permanent or temporary. If your Account is closed or suspended for any reason, yyou must stop using your Card. You must also cancel all billing arrangements to the Account. We will not do this for you. If we close or permanently suspend your Account, you must also destroy all Cards. You must still pay us all amounts you owe on the Account, even if they are charged after your Account is closed or suspended. Lost or Stolen Card. You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your Card is lost or stolen or if someone else might be using it without your permission, you must tell us at once. You may tell us by calling the telephone number on the back of your Card or on your Statement or by writing us at the address on your Statement. You will not be responsible for charges made to your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made using your Card, you will help us investigate, pursue and get reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are acceptable to us. Changes to Your Agreement. At any time, we may add, delete or change any term of this Agreement unless the law prohibits us from doing so. We will give ou notice of any changes as required by law. If we do notify you of changes, we will send you a separate notice or inform you on your Statement. We may send this notice to you electronically as permitted by law. Our notice will tell you when and how the changes will take effect and describe any rights you have in connection with the changes. Your variable Annual Percentage Rates (if applicable) can go up or down as the index for the rate goes up or down. If we increase your Interest Charges for any other reason we will notify you in writing. If we increase your Fees or other terms of your Account we will notify you in writing and inform you of your options in advance, including the right to opt out of some of these changes. We may increase your Interest Charges for new transactions and your Fees after the first year of the Account. Also, if your payment is not received within 60 days after the payment due date, we may increase your Interest Charges and Fees for existing balances and new transactions at anytime. We may change any other terms of your Account at any time. The Law that Applies to Your Agreement. We make decisions to grant credit and issue you a Card from our offices in Virginia. This Agreement will be interpreted using Virginia law. Federal law will be used when it applies. You waive any applicable statute of limitations as the law allows. Otherwise, the applicable statute of limitations period for all provisions and purposes under this Agreement (including the right to collect debt) will be the longer period provided by Virginia or the jurisdiction where you live. If any part of this Agreement is found to be unenforceable, the remaining parts will remain in effect. Waiver. We will not lose any of our rights if we delay taking any action for any reason or if we do not notify you. For example, we may waive your Interest Charges or Fees without notifying you and without losing our right to charge them in the future. We may always enforce our rights later and may take other actions not listed in this Agreement if the law allows them. You do not have to receive notice from us of any waiver, delay, demand or dishonor. We may proceed against you before proceeding against someone else. Assignment. This Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not transfer your Account or your Agreement to someone else without our written permission. We may transfer your Account and this Agreement to another company or person without your permission and without prior notice to you. They will take our place under this Agreement. You must pay them and perform all of your obligations to them and not us. If you pay us after you are informed or learn that we have transferred your Account or this Agreement, we can handle your payment in anyway we think is reasonable. This includes returning the payment to you or forwarding the payment to the other company or person. Glossary. *"Access Check" means any check we send to you to access your Account. We may also refer to an Access Check as a "convenience check" or a "purchase check." *"Account" means your Card Account with us. *"Authorized User" means one or more persons who may use the Card but is not responsible for the repayment of the Account. -"Balance Transfer" means a Transfer posted to the purchase Segment of your Account unless otherwise described in your Truth in Lending Disclosures. "Billing Cycle" means a period of time that might vary in length but is approximately 30 days. The specific period of time is described on each Statement. However, you will have a Billing Cycle even if a Statement is not required. We will often specify a Billing Cycle by the month in which its closing date occurs as provided on the Statement. For example, a "March Billing Cycle" will have a closing date in March. We may also refer to a Billing Cycle as a "Billing Period." If your Account balance has charged off, we may switch to quarterly Billing Cycles to your Account. -"Business Day" means any day in which Capital One's offices are open for the processing of payments and credits. • "Card" means any Capital One credit Card associated with your Account, which includes all renewals and substitutions. It also means any other access device for your Account we give you that allows you to obtain credit, including any Account number and any Access Check. *"Cash Advance" means using the Card to obtain loans in cash or things we consider cash equivalents. Cash equivalents include wire transfers, travelers' checks, money orders, foreign currency, lottery tickets, gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account and not to your purchase Segment. • "Fees" means charges imposed on your Account that are not based on the Annual Percentage Rates. • "Interest Charges" means any charges to your Account based on the application of Annual Percentage Rates. • "Item" means a. check, draft, money order or other negotiable instrument you use to pay your Account. This includes any image of these instruments. This does not include an Access Check. *"Payment Card Network" means Visa Inc., MasterCard International Incorporated, or any other network provider displayed on the Card. • "Segments" means the different parts of your Account we may establish that are subject to unique pricing, grace periods or other terms. We create these parts of your Account for such things as your purchases, Cash Advances and Special Transfers. -"Special Transfer" 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 Account information including, among other things, transactions made to your Account during a Billing Cycle. We might also refer to your Statement as a "Periodic Statement" or a "Billing Statement." -"Transfers" means balances transferred from other Accounts to this Account and includes Balance Transfers and Special Transfers. -"Truth in Lending Disclosures" means any Account information we provide to you that is required by the federal Truth in Lending Act and Regulation Z. These include your application and solicitation disclosures, Account opening disclosures, subsequent disclosures, Statements and change in terms notices. 2010'_;Otal ors CaFiUI Dr n s a =ed21all,, rsgistE4ed set%kce mark All rights rewi% ci, RV600157 M-99488 BR 165892 Co r alsmmff a„ ,; ors EXHIBIT B FINANCE Previous Balance Payments 8 Credits CHARGE $828.59 % - \ $110.00 J+? $10.32 Nov. 04, 2006 - Dec. 04, 2006 Page 1 of 1 Visa Platinum Account 400144262209.0705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $21.09 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $21.09 Finance Charges (Please see reverse for important information) 1 Balance rate Periodic Corr???? fitting FINANCE applied to rate APR CHARGE Purchases $764.30 0.04356% P 15.90% $10.32 Cash $0.00 0.05751% P 20.99% $0.00 `ANNUAL PERCENTAGE RATE applied this period: 15.90% At Your Service 1800.955.7070 To call Customer Relations a to report a lost or stolen card: Send payments to: Capital One Bank P.O. Box 70884 Charlotte, NC 28272-0884 Send Inquiries to: Capital One P.O. Box 30285 Sall Lake City, LIT 84130-0285 Transactions New Balance Minimum Payment Due Date + $0.00 = $728.91 $21.00 Jan. 03, 2007 "Important Notices' At this time we are unable to provide your Rewards Summary. To review your current Rewards balance or additional Rewards information, please call the number on the back of your credit card. We apologize for any inconvenience this may cause. Payments, Credits & Adjustments 1 04 NOV CAPITAL ONE ONLINE ACH PA YMENT $50,00- 2 25 NOV CAPITAL ONE ONLINE ACH PA YMENT $60.00- 6056 506 1 7 3 C61204 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT New Balance Minimum Payment Due Date $728.91 $21.00 Jan. 03, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ? J 0 4003442622090705 03 0728910060000021003 Capital One Bank P.O. Box 70884 lrlrrlllrrrllrrrrrllrl Charlotte, NC 28272-0684 „irll.rind.llrrrlrrlrlllrnln66,InInll..III Lr411 Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address @ 29033975563686513• MAIL ID NUMBER SHANNON E LAKE 5116 RAVENYOOD RD MECHANICSBURG, PA 17055-4836 nrl lluulrlnlrlnlnilulnrilni6nrrl6llnrlu Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. I . Now to Avoid • Finance Charge. } a. Grace Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new bale me transfers, new special purchases and new other charges l you pay your total "New Balance, in ....dance with the Important Notice for payments below, and in time for it to be credited by your next statement closing date. There is no grace period on cash advarm s and special transfers. In addition, them is rc gram period on any transaction if you do not pay the total "Nevir balance.° b. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) hmh the dale of the traraaction or 2) from the date the transaction is processed to your Account or 3) Iran the first calendar day of the current billing period. Additionally. if you did not pay the *New Balance' from the previous billing Period in fiat, finance charges continue to accrue to you unpaid balance until the unpaid balance is paid in full. This means that you may stkl owe finance charges , even if you pay the entire New Balance indicated on the from of your statement by the next statement dosing dab, but did not do so for the previous month. Unpak1 finance charges am added to the applicable segment of your Account. T c. ktnimum Finance Charge. For each billing period that your account I. subject to a finance charge, a mnimm total FINANCE CHARGE of 50.50 will be Imposed. If the total finance charge resulfng from the application of your periodic ram(s) is less than $0.50, we was subtract that around from the $0.50 rrintim- and the difference will be billed to the purchase segment of your account. t d. Temporary Reduction in Finance Charge. We reserve the right to not assess any or all finance charges for any given bang period. 2. Average Daily Balance (Including New Purchases). Finance charge is calculated by multiplying the daily balance of each segment of you accent (e.g., cash advance, purMam, spatial transfer, and special purohme) by the corresponding dairy periodic rate(s) that has been previously disclosed to you. At the and of each day during the billing period, we apply the daily periodic rate for each segment of your account to the daily balance of each segment. Than at the and of the big period we add up the results of these dally calculations to arrive at your periodic finance change for each segment. We add up the results from each segment to arrive at the coal period finances charge fur your account. To get the daily balance for mch segment of your account, we take the beginning baance for each segment and add my new transactions and any periodic finance charge calculated on the previous days balance for that segment. We than subtract any payments or credits posted as of that day that am allocated to that segment. This gives us the separate daily balance for each segment of your account. However, I you paid the New Be[.-. shown on your previous statement in lull (or 0 your new balance was or a credit amount), new transacions, which post to your purchase or special purchase segments are not added to the daily balances. We calculate the average daily balance by adding all the daily balances together and dividing the sum by the number of the days in the current billing cycle. To calculate your total finance charge, mu" your average dally balance "a daily Pskodc rate and by the number of days in the billing period. Due to rounding on a daily bass, them may be a slight variace between this calculation and the amount of ftrhance charge actually assessed. 3. Annual Perontago Rates (APR). a. The term -Annwl Percaltage Rate' may appear as *APR' on the from of this statement. b. If the code P lOu nterly Rime), L (Quartets LIBOR), C (Quarterly CD), or S (Bankcad Prime) appears on the front of this statement next to the periodic mails), to periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary Wamry and may it.- or decrease based on the stated itlims, as frond in The Wall Street Jounmi plus the margin prevsusy disclosed to you. These ciaages will be effective on the fiat day of you billing period covered by your penod statement ending In the months of January, April, July and October. c. ifthe code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your sater ent nest to the periodic rate(s), the periodic mass ant cormspondinp ANNUAL PERCENTAGE RATES may vary monthly and may Increase or decrease based on the stated indices, as fond in The Wall Street Journal, plea the margin previously disclosed to you. These changes will be effective on the fist day of your billing period each month 4. Asansmant of Late, Overilmt and Returned Payment Fees. Under the terns of your customer agreement we ve the right to waive or not to assess any fees without poor notification to youwhhout wake g our rigntto assess the me or sinilerfem at a latertime. T 5. Removing V Account. If a rnmtbership fee appears on the front of your statement, you have 30 days from the data this satement was milled to you to evdd Paying the fee or to have such fee credited to you If you can-I your amount without having to pay the membership fee. To cancel your account you must notify us by calling our Customer Relations Department and pay your 'New Balance' in full (wolud ing the membership fee) prior to the and of the thirty-day period. 6. If You Close Your Account. You cart request to dose your account by calling our Customer Relations Department. You must destroy your credit cam(s) and accost access checks, cancel ell prmutmdud tiling and ceem using your account. After your request to close, il you continue to transact or do not cancel pmauthoi billing arrangements, we will consider MOW of a charge your authorization to keep your account open. Additionally, your account will not be closed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, pest due fees, walinl fees, resumed Payment fees. msh advance fees And any other fees i ssamed to your account. You are responsible for them amounts whether they appear on your account at the time you request to dose the account or they are incurred subsequent to your request to close the account. This may moult in charges appearing on your accolalt after you have requested the account to be closed. 7. Using Your Account. Your card or account cannot be wed in connection with any Internet gambling transactions. BILLING RIGHTS SUMMARY (In Case of Enom or Questions about Your Bill) If you think your bill is wrong, or if you need more information on a transaction or bill, write to us on a separate sheet as soon as possible at the address for ingru'tes shown on the from of this statement. We must hear from you m later can 60 days aces we sent you the first hill on which the error or problem appeared. You can col our Customer Relations number, but doing so will not preserve your rights. In your letter, give us the following bntomration: your name and account number, the dole amount of the suspected error, a description of the ors and an explanation, if possible, of why you believe there is an error; or t you need mom information, a description of the kem you am unsum abed. You do rot have to pay any amount in question while we am investigating it, but you are still obligated to pay the pants of your oil that are not in question. W Nle we investigate your question, we cannot report you as delinquent or take any action to oolect the amount you question. t, t Special Rub for Credit Card Purchases If you have a problem with the qualiy, ot property or servk:es that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the prop" or services. You have this protection only when the purchase price was more than $50.00 and gat purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases am covered regardless of aunt or location of purchase.) Please remember to sign all conesporoence. T Does not apply to consumer noncmdif card accounts t Does not apply to Was- non-aedd card accounts Capital One supports information privacy protection see our webske at www.cadalone.com. Go" One is a federally registered service mark of Capital One Financial Corporation, All rights reserved. ® 2005 Capital One TC-08 01 BC6056 - 4 - 0588/06 mpwtant Noun: Parma you mat n us d be aediled k, your acre n as of the eueleess coy we rKeid 2 pr kW (1) you wnc me Ootlan paaw d Cke statemam am your Brock m the emdued Barr ance MWlepe and (z) yaw Mymad is revived in our processing came, by 3p.m.ET(12 tmon PT). Reaw aadw at least five(5) wsimes Gayeb postal doWery. Parma reownd by ua at cry alher laaw am any other form may not t>e cradmad as of aya Cry r meeiva meta. Our wsinw days are, NoMay mmugh SMaday, ease dN Imcdoys. Flaw do rot use aWples, paper cips, em. when Mapamg your paymem. Whoa you provide a Mad ae Wyatt, you wI.- us ache, m use idormabn from your dyad m make a onsame ele is NM"maer ham your a owv ab p mea the prymaa as a check toosacbm When em uw MmmWUn from your Mad to make w al cb-ic herd "W.. NMe may M wdW- from your accoum as soon as the same coy we receive your payment, "you sa41 hat mcni your ehed bad from your froma indhemn. FINANCE Previous Balance Payments & Credits CHARGE $728.91 J-? $21.00 J+? $9.58 DDeec. 05, 2006 - Jan. 03, 2007 Page 1 of 1 r Visa Platinum Account 4003.4426.2209.0705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $32.51 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $32.51?J finance Charges (Please see reverse for important information) 1 Balance rate Periodic C' onding FINANCE applied to rate AN CHARGE Purchases $732.83 0.04356% P 15.90% $9.56 Cash $0.00 0.05751%P 20.99% $0.00 `ANNUAL PERCENTAGE RATE applied this period: 15.90% At Your Service 1 800.955.7070 To Call Customer Relations or to report a lost a stolen card: Send payments to: Capital One Bank P.O. Box 70884 Charlotte, NC 282724884 Send inquiries to: Capital One P.O. Box 30285 Sam Lake City, UT 84130.0285 For more information on your Rewards: Viet wxw.CZptalone.corn/cashrewerds Cal: 1-800-22&3001 Transactions New Balance Minimum Payment Due Date +? $0.00 `-? $717.49 $21.00 Feb. 03, 2007 J ?_ J ? JL J? J When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check Uansad ion. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Rewards Summary Previous available balance. $8.66 Earned this period: $0.00 (reflects transactions posted during this billing cycle) Available Balance: $8.66 Payments, Credits & Adjustments 1 03 JAN CAPITAL ONE ONLINE ACH PAYMENT $21.00- 6056 -C6 1 7 3 070103 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT New Balance Minimum Payment Due Date / $717.49 \ $21.00 Feb. 03, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ? J 0 4003442622090705 03 0717490021000021007 Capital One Bank P-0. Box 70664 1111611 L.11.111111111 Charlotte, NC 28272-0884 ?n?r??n?m?r??nr?ulr?llur?nlr?nlnlul?n?n?ul?us?l Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address @ x9000475563686513• MAIL ID NUMBER SHANNON E LAKE 5116 RAVENYOOD RD MECHANICSBURG, PA 17055-4636 nrll6u111... 11 r In I I I u ice I L. I ... Ill. Ill 10.111.11.11111 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. T a. Grace Parlod. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance transfers, new special purchases and new other charges f you pay your total'New Be[-", in accortlance with the Important Notice for payments below, and in time for it to be credited by your next statement closing date. There is no grace period on cash advances and special transfers. In addition, there is no grace period on any transaction if you do not pay the total "New balance.' b. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the date of the transaction or 2) from the date the transaction is processed to your Accohaht or 3) from the first calendar day of the current bring period. Additionally. W you did nor pay the "New Balance' from the previous biting period in full, thane charges continue to accrue to your unpaid balance until the unpaid balance is paid in fuli. This means that you may still owe finance charges, even t you the entire New Balance indicated on the from of you pay statement by the next statement dosing dab, but did not do so for the previous month. Unpaid firance charges ace added to the applicable segment of your Account. T c. Minimum Finance Charge. For each biking period that your account is subject to a hence charge, a minimum total FINANCE CHARGE of $0.60 car be Imposed, If the total finanm charge resulting from the application of your periodic rate(s) is leas then SO-50, we will subject that amount from the $0.50 minimum and the difference call be billed to the purchase segment of your aaaunt. f d. Temporary Reduction in Finance Charge. We reserve the right to not assess any or all finance charges for any given biking period. 2. Average Daily Balance (including New Purchase ). Finance change is calculated by multiplying the defy balance of each segment of your account (e.g., cash advance. Purchase, special transfer, and special purchase) by the arespo ding daily periodic ra*s) that has been previously disclosed to you. At the end of each day during the billing Perim, we apply the daily periodic rate for each segment of your account to the dally balance of each segment. Than at the and of the bring period. we add up the exults of these daily calculation to arrive at your periodic finance charge for each segment. We add up the resugs from each segment to arrive at the total periodic finance charge for your account T get the defy balance far each segment of your account, we take the beginning balance for each segment and add any new transactions and any periodic finance charge calculated on the previous day's balance for that sigma t. We then subtract any payments or credits posted as at that day that are allocated to that segment This gives us the separate daily balance for each segment of your account. However, If you paid the New Bslarce shown on your previous statement in fug (or t your new balance was zero or a credit amount), new transactions, which post to your purchase or special purchase segments are not added to the daily balances. We calculate the average daily balance by adding at the defy balances together and chiding the cam by the number of the days in the current biking cycle. To calculate your total finance charge, multiply your average defy balance by the daily periodic rate and by the number of der in the biking period. Due to rounding on a daily base, there may be a sight va iace between this calculation and the amount of finance charge actually ceased. 3. Annual Percentage Rates (APR). a. The term 'Annual Percentage Rata' may appear as 'APR* on the hint of this statement. to. If the code P (Quarterly Prime), L (Quarterly LIBOR), C (Ouarterly CO), or S (Bankcard Prkne) appears on the hint of Shia statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very quarterly and may n-se or decease based on the stated Mices, as found in The Wall Street Journal. plus the margin previously disclosed tic you. These changes win be ellediue on the fist day of your bring period covered by your Periodic statemad ending in the months of January. April, July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to the periodic rate(s), the periodic rates aid corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated indices, as found In The Wall Sheet Journal. plus the margin previously disclosed to you. These changes will be effective on the first day of your billing period each month. 4. Aeaesereant of Leta, Overimft and Returned Payment Fees. User the terms of you customer agreement, we reserve the right to waive or not to assess any fees without prior notficadon to you wr10utwaiw1g0ur right to assess the same or similarities at a latertime. T S. Renewing You Actium. t a membership fee appears on the front of you statement , you have 30 days from the data this statement was mailed to you to avoid paying the fee or to have such fee credited to you t you motel your want without having to pay the membership fee. To cancel your aunt, you must notify us by calling our Customer Relations Department and pay your"New BalmW in full (mcludhg the membership fee) prior to the and of the thirty-day period. 6, It You Close Your Account. You man request to dose your account by calling our Customer Relations Deparbnent. You must destroy your tact card(s) and account access check, cancal at praeuftdwd biking end mass using your account. After your request to does, t you continue to transact or do not cancel preauthaiznd biking arrangements, we will consider mceipt of a charge your aulhor¢ation to keep your account open. Additionally, your account will not be dosed until you pay all amounts you eve us including: my transactions you have authorized, finance charges, past due fees, overfnnk fees, returned payment fees, cash advance fees and any other fees assessed to your account. You are responsible for these arsons whets they appear on you account at the time you request to dose the account or they are incurred subsequent to your request to close the account. The may result in charges appearing on your accent after you have requested the account to be dosed. 7. Using Your Account. Your cam or account cannot be used in connection with any Internet gambling transactions. BILLING RIGHTS SUMMARY (In Case of Errors or Ouestions about Your Bill) If you think your bill is wrong, or If you need more information on a transaction or bit, wris to us on a separate sheet as soon as possible st the address for inquiries shown on the front of this statement. We must hear from you no later Shah 60 days after we sent you the first bit on which the error or problem appeared. lbu can call our Customer Relations number, but doing so will not preserve your rights. In your letter, give us the following information: your name and account number, the dollar amount of the suspected error, a deaoriptlon of the era and an expenation, d possible. of why you believe them is an errs; or IF you need more information, a description of the hem you are unsue about. You do rot have to pay any amount in question whale we am investigating it, but you are still obligated to pay the parts of your big that are not in question. While we imntigem your question, we cannot report you as delinquent or take any action to cobect the amount you question. S. T Special Rule for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card and you have triad in good faith to cared the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. You have the protection only when tat Purchase price was more than $50.00 and the Purchase was made in your home state a within 100 miss of your making address. (If we own or operate the merchant, or if we mailed you the adve teemerd for the property or services, all purchases are covered regardless of amoum or location of purchase.) Pimse remember to sign ef correspondence. T Does nor apply to rnnsumer noncredH card accounts S Does not apply to business noncredit cad accounts Capital One supports information privacy protection: see our webete at www.cadslaw.can. Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved. ® 2006 Capital One 01 BC6058 - 4 - OSIDM6 IMportsM Nei Payments you mae n us are be aediled b your amount as t the cosiness der we receive d, proAded (y) you sent the Dudom portlah of Inks sbleme t end your dacl in the errtlwM wMenue edi and {2) yew payment is recetred in our dooming mar by3 p.m.ET(c2 noon PT). Please aloes at bent T"(6) was- days for poMM deFSry.".-an ived by us at any.0. bi or In any oNer lam may not oe uediletl as of tlM dry ant recoine InrMm.lN busnese days are Monday Vmgh saYaday,e eking hof0ays. Please W na use sbplea, paper tl4+, are. edmn preparing your payment. When you provide a check as payment, you autorce us entire, b use Infamadon hem you, deck to mks a one-tbne electronic fund bawler ham your kidders or b prams tR payment as a shad twsa lion. When se use nbrmMion hen yew check to make an elacaonb herd barei funds may W witl ices n hen your account as soon as the seine day ae receive your payment. and you coil not racoire your ched bad from your fiances indea on. FINANCE Previous Balance Payments & Credits CHARGE $717.49 - $50.00 + $9.73 Jan. 04, 2007 - Feb. 03, 2007 Page 1 of 1 rise Platinum Account 400144262209-0705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $72.78 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $72.78 Finance Charges (Please see reverse for important information) 1 Balance rate Periodic Care spoRnding CF NANCE applied to rate PP Purchases $720.58 0.04356% P 15.90% $9.73 Cash $0.00 0.05751%P 20.99% $0.00 ?ANNUAL PERCENTAGE RATE applied this period: 15.90% At Your Service 1.900.955-7070 To call Customer Relations or to report a lost or stolen car: Send payments to: Capital One Bank P.O. Box 70884 Charlotte, NC 28272-08M Send inquiries to: Capital One P.O. Box 30285 Sa8 Lake City, UT 84130-0285 Transactions New Balance Minimum Payment Due Date + $0.00 = $677.22 $20.00 Mar. 03, 2007 "Important Notice" At this time we are unable to provide your Rewards Summary. To review your current Rewards balance or additional Rewards information, please call the number on the back of your credit card. We apologize for any inconvenience this may cause. Payments, Credits & Adiustments 1 03 FEB CAPITAL ONE ONLINE ACH PA YMENT $50.00- '" Please Note'" Some of the terms of your account are changing. Please read the enclosed notification. 6056 5C6 1 3 07C203 PAGE 1 of 2 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT New Balance Minimum Payment Due Date % 1r 1 $677.22 $20.00 Mar. 03, 2007 ? J? JL J PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed 0 4003442622090705 03 0677220050000020001 Capital One Bank P.O. Box 70884 1111111lrrrrl1rrtr1611 Charlotte, NC 28272-0884 LrLILrLrrLilrrrlrrLllLrtLrlrlrrlrrltrllrrlrrlrrll,1111 Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Home Phone Altemafe Phone E-mail address @ s9003575563686517e MAIL ID NUMBER SHANNON E LAKE 5116 RAVENYOOD RD MECHANICSBURG, PA 17055-4836 IIIIII1..llluubIIII,lnln1LrlurllrlIll. r,rllrllrr1111 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Chal t e. Girece Period. You will have a minimum grace period of 25 days without finance charge on new purchase, new balance transfers, new special purchases and new other charges t you pay your total "New Balance", in aocortlence with toe Important Notice for payments below, antl in time for it to be credite ! by your nand statement dosing date. There is no grace period on cash advances ale spacial transfers. In addition, there Is no grace period on any transaction if you do not pay the local "New balance' b. Accruing Finance Charge. Transactions which are not subjed to a grace period are assessed finance charge 1) from the date of the transaction or 2) from the date the transaction is processed to your Account or 3) from the fist calendar day of the current billing period. Additonaly, t you did net pay the "New Balance' from the previous billing period in full, finance charges continue to ac- to your unpaid balance until the unpaid balance is paid in full. This means that you may still owe firm ranges, even Of you pay to entice New Balance indicated on the front of your statement by the next statement dosing date, but rid rot do so for the previous math. Unpaid finance carges are added to the applicable segment of your Account t c. Minimum R-- Charge. For each bilkg period that your a¢amt I. subject to a finance charge, a minimum mull FINANCE CHARGE or $0.50 will be imposed, t d. Temporary Reduction in Fiance Charge. We reserve the right to or assess any or all f- charges for any given billing period. 2. Average Dally Balance (Including New Purchases). Finance charge is calculated by multiplying the dairy balance of each segment of your account (e.g., cash advance, purchase, special transfer, and ,pedal purchase) by the corresponding dairy periodic rate(s) that has been previously disclosed to you. At the and of so& day during the billing period, we apply the dairy periodic rate for each segment of your account to the daily balance of each segment. Than at Una and of the billing period, we add up the results of these dairy calculations to arrive m your parodic finance charge for each segment. We add up me results from each segment to arrive at the cal periodic finance charge for your armurt. To get the dairy balance for each segment of your account we take the beginning balance for each segment and add any nee transactions and any periodic finance charge calculated on the previous day's balance for to segment We men subtract any payments or credits pored as of tat day that are allocated to that segment. This gives us the separate daily bean for each segment of your account. However, If you paid the New Balance shown on your previous statement in full (or t your raw balance was or e credit amaum), new transactions, which post to your purchase or special purchase segments aria rot added to the daly balances. We calculate the average dairy balance by adding all the day balancer together and dividing the sum by the number of the days M the wrent baling cycle. To calculate your total finance charge, multiply your average dairy balance by the daily periodic rate and by the number of days in the billing period. Due to rounding on a daily basis or due to minimum finance charge assessment, mere may be a variance between this celwlation and the amount of finance charge actually assessed. 3. Annual Percentage Rotas (APR). a. The tam 'Annual Percentage Rate' may appear as 'APR" on the from of this statement b. If the code P (Guaranty Prime), L (OUartery LIBOR), C (Quarterly CD), or S (Bankcard Prime) appears on the front of this statement mit to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very culinarly and may increase or decrease based an the stated indices, as toad in The Wall Street Journal, plus the margin previously disdosed to you. Those target wil be effective en the first day of your billing period covered by your parodic sfaroment andirg in tie momma of January, Aprl, July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the from of your statement nod to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated indices, as found in The Wall Street Journal, plus the margin previously disclosed to you. These changes vWl be effective on the first day of your billing period each month. 4. Aw assment of Late. Ovrtmk and "a"Oh"d Payment Fees. Under let lems of your wsmman agreement , va reserve the right to valve or not to assoas any face without prior rotificatlono you wither waiving ourright to assess the imihrtees at a latertme. -me or t 5. ReheWng Your Account. t a membership fee appears en the front of your statement you have 30 days from the date this statement was mailed o you to aved paying the fee or o have such tee chatted to you t you cancel your account without having to pay the membership fee. To cancel your account you must noby us by calling our Customer Relations Department and pay your'New Balance' In full (arduding the membership fee) prior to the end of the thirty-day period. 6. If You Close Your Account. Y can request to dose your account by calling our Customer Relations Department. You mum destroy your credit card(s) and account access darks, cancel all preauthorized billing and cease using your account Aftr, your request to close, t you continue to transact or do not cancel pmaulhormd billing arrangements, we will consider receipt d adage your authorizadon to keep your account open. Additionally, your aocoum will not be closed until you pay all amounts you owe us Including: any transactims you have authorized, fiance charges, past due fees, over6mk fees, retuned paymem lees. cash advance fees and any other lees assessed to your account. You are responsible for these amount whether they appear on your amount at to time you request to dose to account or they are insured subsequent to your request to dose the account, This may result In charges appearing on your account after you have requested the account to be dosed. 7. lleMg Your Account Your card or account cannot be used in connection with any Internet gambling transactions. B. Notice About Electronic Check Conversion. When you provide a check as payment you autcrize us either to use information from your check to make a one-erne electronic fund transfer from your bank account or to process the payment as a check transaction. When we use infarmalon from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. BILLING RIGHTS SUMMARY (In Case of Errors or Questions about Your Bill) If you think your NO Is wrap, or If you need more information on a transaction or bill, write to us ch a separate sheet as soon as possible at the address or inquiries shown on to front of this statement. We most hem from you no later than 60 days otter we sent you the first bill on which the error or problem appeared. You ceti our Customer Relations number, but doing so will not preserve your rights. In your letter , give us the following information: your home and account number, the dolor amount of the suspected error, a description of the era and an explanallm, t possible. of wiry you believe tare Is an error: or if you need more information, a description of the item you are unsure about. You do hot have to pay any amount in question while we are investigating it, but you am still obligated to pay the pars of your bill that are not in question. While we invoingate your question, we cannot report you as delinquent or take any action to rolled the amount you question. S. t Special Rule for Credit Card Purchases If you have a problem with the quality of prop" or services that you purchased with a credit card and you have tried in good Path to coned the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. You have this protection only when the purchase price was mom than $50.00 and the purchase was made in your home state or will 100 miss of your mailing address. (If we awn or operate the merchant or it we mailed you the adVBNSam l: V the property or services, all purchases ara covered regardless of mount or location of purchase.) Planes ramembm to sign all correspondence. I Does not apply to consumer noncreda card accounts T Does nor aptly to business rorFCred r Card accounts Capitol One supports information privacy protection. we our wsbsita at wow. amtalone corn. Capitol One s a federally registered service mark of Capital One Financial Corporation. AN rights reserved. m 2006 Capital One 01 BC6056 - 6 - 12066 MpoNd Mupa: Paymnn you Mae b W wM be aediled b your amunt a of the WWM day we receive t. pmvidee (1) you sem the hodmn f.Valon d dka Stalemed SM yod dock In the e1¢MSed a W ft ennlope am (2) you oaymMu s Wet"d in our mcenirq cMaer by3p.m. ET (12 moo PT). Pbn Mow M bet f" (5) l oOm days for pmW d0vary. Paymanb MoWmd by us M airy o lofah. or in any other form may not he cmd"d n d da day we -a Mom.OUb- days are Monday deeuph 5akaday, Wudvq hddays. Please do M un slaples, paper dos, et. when pmpmnp your payment. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $677.22 - $50.00 + $8.24 + $0.00 = $635.46 $19.00 Apr. 03, 2007 Feb. 04, 2007 - Mar. 03, 2007 Page 1 of 1 Visa Platinum Account 4003.4420.220941705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $114.54 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $114.540 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $67545 0.04356% P 15.90% $8.24 Cash $0.00 0.05751% P 20.99% $0.00 ANNUAL PERCENTAGE RATE applied this period: 15.90% At Your Service 1.800.955.7070 To call Customer Relations a to report a lost or stolen card: Send payments to: Capital One Bank - P.O. Box 70884 Chadone, NC 28272-0994 Send Inquiries to: Capital One - P.O. Box 30285 Sall Lake City, UT 84130-M For more Information on your Rewards: Visit v- cal itakxie.caNrash"ards Call: 1-800-228-3001 Rewards Summary Previous available balance: $8.66 Earned this period: $0.00 (refleds transactions posted during this lulling cyde) Available Balance: $8.66 Payments, Credits 8 Adjustments 1 01 MAR CAPITAL ONE ONLINE ACH PA YMENT $50.00- 6056 `.C6 1 3 070303 PAGE 1 of 1 OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT New Balance Minimum Payment Due Date $635.46 $19.00 Apr. 03, 2007 J PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ? J 0 4003442622090705 03 0635460050000019007 Capital One Bank P.O. Box 70664 I,LrIIIrrrLLrtrlLl Charlotte, NC 26272-0664 IrrLiirrlrrrlrllrrrLrLllLrrLrl,LrLrIrrlLrlrrLrlLrrll Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address @ e9006375563666519s MAIL ID NUMBER SHANNON E LAKE 5116 RAVENYOOD RD MECHANICSBURG, PA 17055-4636 rrrrlrlrrl,lrrirrllrrirrrllrr Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Franca Charge. t e. Grace Period. You will have a minimum grew period of 25 days without gnance charge on new, purchases, new balance transfers, new special purchases and new other charges if you pay your total 'New Balance', in aaordence with the Important Notice for payments below. and in time for Itio be credited by your next statement doahg data. There k no grace period - cash advances ant spatial transfers. In addition. there is no grace Period on any transaction if you do not pay the Pull 'New balance' P. Accruing Finance Charge. Transactions which are not subject to a grew period are assessed finance c" 1) from the dale of the transaction or 2) from the date the twmcbon is processed to your Account or 3) from the first calendar day of the current billing period. Additionally, If You did not pay the -New Balance' from the Previous Willing period in full, finance charges continue to accrue In your unpaid balance until the unpaid balance is paid in full. This means that you may still owe finance charges, even if you pay the entire New Balance indicated on the front of your statement by the next statement dosing date, but did not do so for the previous month. Unpaid finance charges ere added to the applicable segment of your Account. t c. Minimum Finance Charge. For each blirq Period that your amount is subject m a finance charge, a minimum trial FINANCE CHARGE of $0.50 witl be imposed. t d. Temporary Reduction in Finance Charge. We reserve the right to not assess any or all finance charges for any given billing period. 2. Average Daly Balance (Including New Purchases). Finance charge is calculated by multiplying the daily balance of each segment of your account (e.g, ash advance, paMase, special barwki and special purchase) by the corresponding dairy periodic rte(s) that has been previously disclosed to you. At the wed of each day during the billing period, we apply the daily periodic rate for each segment of your account to the daily balance of each segment. Than all the and of the Nkrg period, we add up the results of these dairy alculeocris to arrive at your periodic finance charge for each segment We add up the results from each segment to arrive at the total periodic finance Marge for your adaunt To gel the daily balance for each segment of your account, we take the beginning helm for each segment and add any new transactions and my periodic finance charge calculated on the previous days balance fa that sagment. We then subtract any payments or credits posted as of that clay that am allocated to that segment. This gives us the separate daily balance for each segment of your account. However, t you paid the New Bals nor shown on your previous statement in full (or t your new balance was taro or a credit amount), new transactions, which post to your purchase a special purchase segments am not added to the daily balances. We calculate the average dairy be.- by addkg all the daily balances together and dividing the sum by the number of the days In the current billing cycle. To almlate your total finance charge, multiply your average dairy balance by the tlefy periodic rate and by the number of days in the billing period. Due to muMkg on a daily basis or due to minimum finance charge assessment, them may be a variance between this calculation and the amount of finance charge actually assessed. 3. Annual Percentage Rats CAPRI. a. The lam -Anrafal Percentage Rat" may appear as 'APR' on the front of this statement. P. If the code P (Quarterly Prime), L (OUarlarly LIBOR), C (Quarterly CD), or S (Benkeard Prime) appears on the front of this statement next to the periodic ref(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decease based on the stated adiwa, as lewd in The Wall Street Journal, pits the margin Previously distlwed b you. These changes will be effective on the Nst day of your billing period cowered by your periodic statement end rig in the months of January, April, July and October. c. If the code D (Monthly Prime). F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE. RATES may vary monthly and may increase or decrease based on the sated indices, as found In The Wall Street Joumal, plus the margin previously disclosed in you. These changes wit be effective on the first day of your billing period each month. 4. Assessment of We. Gwgmk and Resumed Payment I-. Under the terms of your anbmer agreement, we reserve the right to waive or not to assess any fees without p4ornotthcation to youwlthow waiving our right to assess da same or similar fees et e later time. t 5. Renewing YaurACCOUre. ff a membership fee appears on the front of your statement, you have 30 days from to data this statement was mailed to you to avoid paying the fee or to have such fee credited to you t you cancel your accent W9aA having b pay the membership fee. To cancel your account, you must noty us by citing our Customer Relations Department and pay your 'New Balance' In full (excluding the membership fee) prior to the end of the thirty,-day, Period. 6. it you Close Your Account. You an request to dose your account by calling our Customer Relations Department. You must destroy your credit card(s) and armnrt arcane Checks, encel all preaut prized billing and cease using your account After your request to close, t you continue to transact or do not cancel preauNOri ood billing arrangements, we wel coneder receipt of a charge your autho tuition m keep your account open. Additionally, your account wit not be closed until you pay orb amounts you owe us including: any transactions you have authorized, Kane charges, past clue fees, marimk fees, returned payment fees, ash advance fees and any other tees assessed to your account. You are, responsible for these amounts whether they appear on your scoant at the into you request to dose the account or they are incurred subsequent to your request to dose the amount. This may recut in charges appearing on your account after you have requested the account to be dosed. 7. Using Your Account Your card or account cannot be used in connection with any Internet gambling transactions. 6. Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your Check to make a one-time electronic fund transfer from your bank accent or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial Institution. BILLING RIGHTS SUMMARY (In Case of Errors a Questions about Your [Nil) H you think your big is wrong, or it you need mom Information on a transaction or bill, write to us on a separate sheet ea soon ea possible at the address for inquiries shown on the front of this statement . We must hear from you no later than 60 days after we sent you the first bill on which the enor or problem appeared. You can call our Customer Relations number, but doing w will not preserve yea rights. In your laser, give us the following Inforrnabah: your name are account mother, the dolar amount al the suspected enor, a description of the enor and an explanation, t possible, of why you believe there Is an error. or it you need more information, a description of the item you are unsum about You do rot have to pay any amount in question while we are investigating it. but you are still obligated to pay the parts of your bill thal are not in question. While we invasdgate your question, we cannot report you as delinquent or take any action to tolled the amount you question. x, t Special Rule for Credit Card Purchases If you have a problem with the quality of property or aerviow that you purchased with a credit card and you have tried in good faith to coned the problem with Ife merchant, you may have the right not to pay the remaining amount clue on the property a saMces. You have this protector only when the purchase price was more than 550.00 and the purchase was made in your home stage or within 100 miles of your nv lkg add... (if we crew or operate the merchant, or if we mailed you the advertlsernent for the property or services, all purchases are covered regardless of amount or location of purchase.) Please remember to sign all correspondence, t Does not apply to consumer non-credo card accounts t Does not apply to business noncredir card accounts Capital One supports information privacy protection: see our websne at wAw caoaall;i-oat. Capital One is a federally registered service mark of Caporal One Financial Corporation. AN rights reserved. m 2006 Capital One TC-08 Importank Node: Paymenie you Mal lo ue wW be bested b year ao f as of the ousMeas Gay am moeM It. prowled (1) yea MM the Whom portion of this siMeaent aM your deck in the encloaed mmdlanm envelope aM (3) your payment is termed l our processing cater by 3 p.m. ET (12 eon PT). Rev se abu at lent fine (5) daleas aye for postal deuva'y. PaymeMe received by us a any ode, location or in any other Item may not be credited se of the ay tee moomm Man. our eusinm days are McMay though Soxfty, ew dm hdiays. Please de not ate staples, Paler tlga, etc when preparing ywr payment. FINANCE Previous Balance Payments 8 Credits CHARGE $635.46 \ -/ $25.00 +? $8.59 Mar. 04, 2007 - Apr. 03, 2007 Page 1 of 1 ?isa Platinum Account 40014426.22094705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $130.95 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $130.95 / Finance Charges (Please see reverse for important information) Balance to rate Periodic Corm A Reding CHARGE Purchases $636.40 0.04356% P 15.90% $8.59 Cash $0.00 0.05751% P 20.991/6 $0.00 `ANNUAL PERCENTAGE RATE applied this period: 15.90% At Your Service 1400.955.7070 To call Customer Relations or to report a lost or stolen card: Send payments to: Capital One Bank , P.O. Box 70884 Chadone, Nc 28272-0884 Send inquiries to: Capital One P.O. Box 30285 Sea Lake City, Ur 84130-0265 For more information on your Rewards: Visit www.rapitalone.oomtcashrewards Cal: 1-800-228-3001 Transactions New Balance Minimum Payment Due Date +? $0.00-? $619.05 1 $18.00 May. 03, 2007, J L J L J? JL J Rewards Summary Previous available balance: $8.66 Earned this period: $0.00 (reflects transactions posted during this billing cycle) Available Balance: $8.66 Payments Credits 8 Adlustments 1 31 MAR CAPITAL ONE ONLINE ACH PAYMENT $25.00- 6C56 5C6 1 3 C70403 PAGE 1 of I OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT 0 4003442622090705 03 0619050025000018009 Account Number: 4003-4426-2209-0705 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. $619.05 $18.00 J May. 03, 2007 Address J PLEASE PAY AT LEAST THIS AMOUNT Home Phone Alternate Phone E-mail address @ Amount Enclosed , J e9009475563686514e MAIL ID NUMBER SHANNON E LAKE 5116 RAVENYO0D RD Capital One Bank MECHAN IC SBUR6 PA 17055-4836 P.O. Box 70684 to uI r II I I Charlotte, NC 28272-0684 Its 6ll,1ir1r1.ILrrlrrl.111nrlul,lrrlul1rllul„1.116rrll Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. t a. Grace Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance irenstem, new special purchases and new other charges it you pay your total 'New Balance". in accordance with the Important Notice for payments below. and in fine for it to be credited by your next statement closing date. There is no gram period on rash advances and special transient. In addition, them is no, grace period on any transaction if you do rot pay the towel "New balance." b. Accruing Finance Charge. Transactions which are not subject to a grace period arc sustained finance charge 1) from the date of the transaction or 2) from the dale the Immuedi n is processed to your Account or 3) from the first Calendar day of the Current b9i period. Additionally If you din not pay the "New Balance- from the previous billing period in full, finance charges continue to accrue to your unpaid balance until the unpaid balance is paid in full. This means that you may still owe finance charges, even 1 you pay the entire New Balance indicated on the from of your statement by the next annerneM dosing dote, but did not do so, for the previous north. Unpaid firence charges am added to the applicable segment of your Account. t c. Minimum Fines Chugs. For each piling penof that your account is subject to a finance charge, a Minimum total FINANCE CHARGE of $0.50 will be imposed. t d. Temporary Reduction in Finances Charge. We reserve the tight to not assess any or all finance Charges for any given billing period. 2. Average Daily B. W- (Including New Purchassm. Finance charge is calculated by multiplying the dairy balance of each segment of your account (e.g. cash advance, punchsse, special th rsMr. and specie purchase) by the Corresponding daily periodic mte(s) that has been previously disclosed to you. At the end of each day during the bluing period, we apply the dairy periodic rate for each segment of your account to the daily balance d each segrront. Than at fins end I the billing period, we add up the results of than daily calculations to arrive at your periodic finance charge for each segment. We add up Me resu a from each segment M arrive at the toW Periodic finance Charge for your accorri To gar the daily balance for each segment of you x-art we take the beginning ixslerhm for each segment and add any new trametwons and any periodic finance charge Calculated on that previous days balance for that segment. We than subtend any payments or credits posted in of that day that am allocated to that segment. This gives us the separate dairy balance for each segment of your -nt. Howgwr, If you paid the New Balance shown on your previous statement In full (or if your new balance was zero or a Credit amount), new transactions, which pmt to your purchase or special purchase segments are not added to the daily balances. We calculate the average dairy balance by adding a1 the daily balances together and dividing the sum by the number of the days k) the current billing cycle. To mlmlale your total finance charge, multiPy your average daily balance by the day periodic rate and by the number of days in the billing period. D. b randkg W a day basis or due to minimum finance charge assessment, them may be a variance between this Calculation and the amount of finance Charge actually assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear as'APR* on the from at this statement It. If the code P (Culinary Prime), L (Quarterly LIBOR), C (Quarterly CD), or S (Bankcard Prime) appears on the front of this statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may wry qty and may increase crdecrease based on the staled irdioes, in fond in The Wail Street Jouma, plus the margin previous y disclosed to you. These Charges will be effective on the Est day of your billing period cowed by your periodic statement ending in the mimms of January, April, July and October. c. If the code O (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement net to the periodic raWe). the periodic rates and corespanding ANNUAL PERCENTAGE RATES may vary monthly and nay increase or decrease based on the stated Indices, as food In The Wall Street Journal, plus the margin previously disclosed to you. These changes will be effective on the first day or your billing period each month. 4. Assessment of Late, OvwUmk std Returned Payment Fina. Under the gems of your Customer egraemem, we reserve the right to welw or not to assess any fees without prior notification toyou without waiveg our right to assess the same a sirml.d.es at a Were- t 5. Renewing Your Account. If a membership fee appears on the front of your statement, you have 30 days from the date this statement was mailed to you to avoid paying it,. in or to have such fee credited to you if you Cancel your account wiMcrr having to pay the membership in. To Cancel your account, you must notify us by Calling our Customer Relations Department and pay your *New, Balance" M h1 (excluding the membership fee) prier to the end of the thirty-day period. 6. H You Close Your Account. You Can request to dose your account by Casing our Customer Relabos Department You must destroy your credit card(s) and account access cheicks, cancel all preeuthorized bilking and cease using your account After your request to close, k you continue to transact or do not cancel pmauthorized billing arrangements, we will consider moelpl of a charge your authorization to keep your account open. Additionally, your account will not be Closed until you pay all amounts you owe us including: any tmnsacoons you have authorized, finance charges, pad due fees, ovarlm l fees, retumed payment fees, Cash advance fees and any other fees assessed to your account. You ue responsible for these amounts whether they appear on your account at the time you request to close the account w they are incurred subsequent to your request to dose the account. This may result in Charges swearing on your account after you have requested the account to be dosed. 7. Using Your Account. Your Card or account cannot be used in connection with any Internet gambling hens lc ions. 8. Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a one-lime electronic fund transfer from your bank accent or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may W wlthdrswn from your bank account as soon as tiro same day we receive your payment, and you will not receive your check back Mom your Handal imlitubon. BILLING RIGHTS SUMMARY (In Case of Errom or Questions about Your Bill) M you think your bill is wrong, -f you need mom Information on a transaction or bill, write to us on a separate sheet as soon m possible at the address for inquiries shown w the front of this statemer t We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You Can Call our Customer Relations number, but doing m will not preserve your rights. In your letter, give us the following information: your name and account number, the dollar amount of the suspected error, a description of the amor and an explanation. 6 possible, of why you believe them is an error, or k you need more information, a description of the item you em unsure about You do not have to pay any amount in question while we are investigating 1, but you are ail obligated to pay the parts of your bill that arc not in question. While we investgate you question, we cannot report you a t delinquent or take any action to tolled the amount you question. t, t Special Rule for Credit Card Purchases If you have a problem with the quality of Property or services that you purchased wiry a cretin Card and you have tried in good faith to correct the problem with the Merchant, you may have the right not to pay the remaining amount due on the Property or servlms. You have this protection only when the purchase prim was more than 550.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant or if we malted you the advemsement for tine property or services, all purchases am covered regandlem of ammm or location of purchase.) Please remember to sign all correspondence. I Does not apply to Consumer non-condo Card accounts 2 Does nor apply k) business --.N Card accounts Capital One supports information privacy protection: see our webste, at www.CaOitalone.com- Capital One is a federally registered service mark of Cephal One Financial Corporation. Al rights remmed. ® 2006 Capital One TC-08 01 BC6066 - 6 - 1221106 Inpa Nader:P-% you mud b m wi b aedbd to your s-xon rd the easiness day we reanek WMd I tl you nm One chop, padpn d On .semen end yaw dmae m One .,.Wed mmdbna env bps and (2) ypw payment ¢ reanad on - praoeatng abler by 3 p.m. ET(12-PTJ P-se A-A bat F- 15) daainea days tpr po delwy Prymeda raesiad by us nany.0w b ionain arty doer W. may mt be aedded as d tM day we mane ft.. Ow tweae. days are tpmay nmugn SMh y, eadudng holidays. Please do M use teplee. paper clips, to. when preparing your pay- FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $619.05 $30.00 $8.06 J+? $0.00 J=? $597.11 J $17.00 J `un. 03, 2007) Apr. 04, 2007 - May. 03, 2007 Page 1 of 1\ Visa Platinum Account 40034426.2209.0705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $152.89 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $152.89 Finance Charges (Please see reverse for important information)'` Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $616.97 0.04356% P 15.90% $8.06 Cash $0.00 0.05751%P 20.99% $0.00 ANNUAL PERCENTAGE RATE applied this period: 15.90% At Your Service 1.800.955.7070 To call Customer Relations a to report a lost or stolen card: Send payments to: Capital One Bank P.O. Box 70884 Charlotte, NC 28272-08&4 Send Inquiries to: Capital One. P.O. Box 30285 Sa8 Lake City, UT 84130-M For more information on your Rewards: Visit: vmw.pp8abne.conJrashrewerds Call: 1-800-228-3001 Rewards Summary Previous available balance: $8.66 Earned this period: $0.00 (reflects transactions posted during this billing cycle) Available Balance: $8.66 Payments Credits & Adjustments 1 28 APR CAPITAL ONE ONLINE ACH PAYMENT $30.00- EC56 506 1 7 3 070503 PAGE 1 of I OIBC6056 PLEASE RETURN PORTION BELOW WITH PAYMENT New Balance Minimum Payment Due Date $597.11 $17.00 Jun. 03, 2007 J PLEASE PAY AT LEAST THIS AMOUNT i 1 Amount Enclosed ? J 0 4003442622090705 03 0597110030000017001 Capital One Bank P.O. Box 70884 ?r?rr?rrrj?r?r?rr?rr?? Charlotte, NC 28272-0884 L. Illnlnt?t??ur?n?rIIIrn?n?t?olI I.M.A. Al. 11.1011 Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address @ #9012475563686519# MAID' ID NUMBER SHANNON E LAKE 5116 RAVENY001 RI MECHANICS BUR 6, PA 17055-4836 rr,III,rrillrrrrL11116rl..11.311r1111 1111uri1 116116r Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. t a. Grace Period. You will have a minimum grew perod of 25 days without finance charge on new purchases. new balance transfers, new special purchases and new other charges it you pay your total "New Balance', in eecordence with the Important Notice for payments below, and in time for it to be credited by your need statement closing date. Thee is no gram period on rash advances and medal transfers . In addition, them is no gram Period on any transaction if you do not pay the toml'New balance." b. Accruing Finance Charge. Transacdons which are not subject to a gram period are assessed finance charge 1) from the date of the transaction or 2) from the date the uansection is processed to your Account or 3) from the first .lend. day of the anent billing period. AdditwrWlY il You did not pay the "New Balance' horn the pre-us billing period in fug, Manor charges continue to acwe to your unpaid balance anal the unpaid balance is paid in full . This mean that you may still owe finance charges.. even If you pay the .mitre New Balance Indicted m me front Of your statement by the non statement closing date, but did not do so for the previous month. Unpaid finance charges are added to the appldabm segment of your Acco rd. t c timarum Flnarree Charge, For each billing period that you account it subject b a firance, charge, a minkrwm total FINANCE CHARGE of $0.60 wil be imposed. t d. Temporary Radudten in Finance Charge. We reserve the right to not assets any or all finance charges for any given billing period. 2. Average Dally Bslerrce (Including New Purcheeee). Finance charge is calculated by multiplying the daily balance or each segment of your account (a 9., cash advance, purchase, medal minister, and special purchase) by the corresponding daily periodic remits) that has been previously disdeaed to you. At the and of each day tluring the billing period, we apply the daily pariodlc rate for each segment of your account to the daily balance of each segment. Than at the and of the billing period, we add up me reruns of these daily calculations to arrive at your periodic finance charge for each segment. We add up the resu it from each segment M amw at the total periodic finance charge for your aornumt To get the daily balance for each segment of your aedount, we take me beginning balance for each wonted and add any new transactions and any Periodic Manor charge calculated m the previous day's balance for that segment. We men subtract any paymens or credits posted as of that day that are allocated to that segment. This gives us the separate daily balance for each segment of your account. However, k you pad the Nev, Beane shown on your previous statement in full (m if your new balance was zero or a credit amount), new transactions, which post to your Purchase or special purchase segments are not added to the daily balances. We .lculam the average daily balance by adding al the day bal-call together and dividing the sum by the number of the days in the current billing cycle, To calculate your total francs charge, multiply your average daily balance by the defy periodic rate and by the number of days in the billing period. Due to re-o irg m e daily basis or due to minimum finance charge assessment, there may be a variance between this calculation and the mount of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The tern "Annual Percentage Rate" may appear ate 'APR' on the from of this statement. b. If the code P (Ouartedy Prme), L (Quarterly LIBOR). C (Quaderiy CD), or S (Bmkmrd Prime) appears on the front of this statement need to the periodic rate(s), the Periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may Increase, or decrease based on the stated indices, as found in The Well Street Journal, phis the margin previously disclosed to you. These charges will be efleaive on the first day of your baling period covered by your parodic statement ending in this months of January, April, July and Octobe, c. If the code D (Monthly Prime), F (Monthly LIBOR), ce G (Treasury LIBOR) appears on the from of your statement red to the parodic rate{s), the periodic name and comemontlirg ANNUAL PERCENTAGE RATES may very monthly and may imemse or decease based on the stated indices, a$ found in The Well Sheet Journal, plus the margin previously disclosed to you. These changes will be effective on the fimt day of your billing period each month. 4. Ass n-mam Of Late, Ove rltmR and Returned P"mare Fees. Under the terms of your customer agreement, we .serve the right to welve or not to screw any fees without prior notification to you withmawaivirg ourrpht to assess the same or similar tees a a later time. t 5. Renewing Your Account. H a membership fee appears on the front of your statement, you have 30 days from the dam this mearri m was mailed to you to avoid paying the fee or to have such fee credited to you it you defeat your account without having to pay the membership fee. To cancel your account, you must notify us by.lkg our Customer Relations Department and pay your'New Balance in full (excluding the membership fee) prior in the end of the thuny-day period. 6. R You Close Your Account. You can request to dose your account by calling our Customer Relations Department. You must destroy your credit card(s) and accmm arms clherks, mrcei all preauthonzed billing and curse using your account After your request to dose, d you contkwe to transact m tie not cancel preauthorized billing arrangements, wa will consider receipt d a charge your authortzm6m % keep your account open. Additionally. your amount will not be dosed until you pay all amounts you owe us including: any traneactdna you haw authorized. finance charges, past due fees, overlmif fees, returned payment tees, cash advance fees and any other fees assessed to your account Y are responsible for these amounts whether they appear on your accent al"tome you request to dose fine acaum or they areal subsequent to your request to dose the account. This may result in charges appearing on your account after you have requested the account to be dosed. 7. Using Your Account Your card or account cannot be used in connection with any Internet gambling transactions. 3. Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us ail", to use information from your check to make a one- ime electronic fund transfer from your bank account or to process the payment as a check transaction When we use Information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as an as the same day we mcelw your payment, and you will not receive your cheer back from your financial institution. BILLING RIGHTS SUMMARY (In Case of Errors or Questions about Your Bill) If you think your ail is wrong, or if you need more information on a transaction or bill, write to us on a separate sheet as soon as possible at the address for inquires shown on the front of this statement We must hear from you no lacer than 60 days after we sent you the first bill w which the error or problem appeared. You can call our Customer Relations number, but doing so will not preserve, your rights. In your letter, give us the fallowing information: your name and account number, the dollar amount of me suspected ertor, a description of the anon and an explanation, If possible, of why you believe there is an arm: or If you need mare information, a desorption of the item you am unsure about You do not have to pay any amount in question while we are Investigating n, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report yea as delinquent a take any action to collect the amount you question t. t Special Rule for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card and you have mad in good forth to coned the problem with the merchant, you may have Vine rqM not to pay the remaining amount due on the property or services You have ales protection only when the purchase price wars more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchan( or if we maned you fine advertisement for the property or services, all purchases am covered regardless of amount or location of purchase. ) Please remember to sign all correspondence. t Does net apply to consunror -radt .,it accourds t Does not apply to business non-credit card accounts Capital One supports information privacy protection: we our www caoha ene.cem websne at Capital One is a federally registered service mark of Capita One Financial Corporation. All rights reserved. ® 2006 Capital One NaporlnM Nance: PayrteMs you mat b as win be m dW b your account as of to Wsiness day we receive il. ProvitlN (1) you UM tle Dodmn portion of tlm staOnnMm W your tlreck in the encbYd rend arm envelope arM (2) your payments renewed in our processing Center by 3 p m. ET (12 noon PT). Plea Slow A Nast Fe (5) tarsinen days for PoYel deFey. Payments received by us a["deer 10cmi. ar in a" offer form may Mere madiled as el ft dey we reoi ffem. Our Eusinms days a•e Manoay through SesMday, esdudi g maliftyS Plea do W use staffers, paper clink et. wtw pepamg your paymem. FINANCE Previous Balance Payments 8 Credits CHARGE $597.11 - $75.00 + $9.18 May. 04, 2007 - Jun. 09, 2007 Page 1 of 1 Visa Platinum Account 40054426.2209-0705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $218.71 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $218.71 ? Finance Charges (Please see reverse for important ? informatlon) 1 Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $569.27 0.04356% P 15.90% $9.18 Cash $0.00 0.05751% P 20.99% $0.00 \ ANNUAL PERCENTAGE RATE applied this period: 15.90% J At Your Service 1400-955-7070 To cat Customer Relations a to report a lost or stolen card: Send payments to: Capital One Bank - P 0. Box 70884 Charlotte, NC 28272-0884 Send inquiries to: Capital One P.O. Box 30285 - Sae Lake City, UT 84130-0285 For more information on your Rewards: Visit: www.rapitabne.canlcashrewerds Call: 1400.228-3001 Transactions New Balance Minimum Payment Due Date 1 ? 1 / 1! 1? 1 + $0.00 = $531.29 $15.00 Jul. 04, 2007 J J J' J?-J IMPORTANT INFORMATION ABOUT YOUR GRACE PERIOD: If you pay your balance in full every month by your due date, you will enjoy an interest-free grace period of 25 days on new purchases. Paying by your due date also helps you avoid late fees. Please see the back of your statement for more details and thank you for your business. Rewards Summary Previous available balance: 58.66 Earned this period: $0.00 (rafteds transactions posed during this billing cycle) Available Balance: $8.66 Payments Credits 8 Adjustments 1 25 MAY CAPITAL ONE ONLINE ACH PAYMENT S75.00- 6056 506 1 1 9 C70609 PAGE I of 2 011r16G56 PLEASE RETURN PORTION BELOW WITH PAYMENT New Balance Minimum Payment Due Date $531.29 $15.00 Jul. 04, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ?. J 0 4003442622090705 09 0531290075000015008 Capital One Bank P.O. Box 70664 ?I?rrlrrrl??rr?rr?r?r? Charlotte, NC 26272-0664 lu?r??n?l ulrll url ulrl?lur?n?r?n?u?u?lu lnlullnrl? Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Home Phone Akernare Phone E-mail address @ #901617556368651111 MAIL ID NUMBER SHANNON E LAKE 5116 RAVENYOOD RD nECHAN ICS I, RG, PA 17055-4636 nr???url ?luulrlr rlr?u (u??n ?nr?ln llu urllrllur?u Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. i a. Grace period. You wiN have a minimum grace period of 25 days without finance, charge on new purchases, new balance transfers, new special purchases and new other charges i you pay your total -Now Balance', in accordance with the Important Notice for payments below, and in time for it to be credited by your payment due date. There is no gam period on cash advances and special transfers. In addition, time is no, gram period on any lansaction a you do not pay the total -New balance' b. Accruing Finance Charge. Transactions which are not subject to is gram period are assessed finanm charge 1) from the dale of the transaction a 2) from the date the tmnsadion is processed to your Account or 3) from the first calendar day of the current billing Period. Additionally, s you did not pay the -New Balance- from the previous billing period in U, finance charges continue to accrue to yak unpaid balance until the unpaid balance is paid in full. This means thou you may sfll - finance charges, even N you pay the more New Balance indicated on the Inure of your domment by the payment due date, but rid no do so for the previous month. Unpaid finance charges are added to the applicable segment of your Account. t c Mgnimum Finance Change. For each being period that your account is subject to a finance charge, a minimum total FINANCE CHARGE of $0.50 will h imposed. It d. Temporary Reduction in Finance Change. We reserve the right to not assess any or all finance charges for any given billing period. 2. Average Daily Balance preluding New Purchases). Finance charge is calculated by multiplying the daily balance of each segment of your aaeunt (a g- cash advance, purdese, special transfer, and special Purchase) by the corresponding daily periodic rate(s) that has been previously disclosed to you. At the and of ea h day during the billing period, we apply the daily periodic rate for each segment of your account to Me daily balance of each segrmm. Than at the and of me billing period, we add up the results of them daily calculations to arrive at your periodic finance charge for each segment. We add up the results from each segment to arrive at the total periodic finance charge fix your aocount. To get Me daily balance for each segment of your account, we take the beginning balance its each segment and add any new transactions and any periodic finance page Ulculalad on One previous day's balance for that segment. We than subtract any payments m vedhs posted as of met clay that are allocated to that segment This gives us the separate daily balance for each segment of your account. However, if you paid the New Batanca shown on your Previous statement in full (m if your new balance was a a credit amount), new transactions, which pool to your purchase a special pachase segments are not added to the dally balances. We calculate the average dally balance by adding all the daily balances together and dividing the sum by me number of the days In the current billing cycle. To calculate your teal finance charge, multiply your average daily balance by the dairy periodic rate and by the number of days in the billing period. Due to rounding m a dally basis or due to minimum thence charge saeeasment. there may be a variance between this calculation and the mount of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The tam Annual Percentage Rate" may appear as 'APR' on the front of this statement. b. If the code P (Ouartedy Prime), L (Ouartery LIBOR), C (Quarterly CD), a S (Bernaerd Prime) appears on the front of this statement neat to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may masses or decrease based m the stated indices, as land in The Wall Street Journal, plus the margin previously discloaad to you. These changes will be etfrlctNe m the fors day of your blfikg period covered by your periodic statement endirg in the months of January, April, July and October c. If the code D (Monthly Prkne), F (Monthy LIBOR), a G (Treasury LIBOR) appears on the front of your statement neat o the periodic rate(s). the parodic mass and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may irirxeese or decrease based on the stated Indices, se found in The Well Street Journal, plus the margin previously disclosed to you. Them changes "I be of wkw m the firs day of your billing period each month. 4. Assessment of Late. Ovw*mlt and Returned Paymam Fees. Under the lemma of your customer agreement we maerve the rift to weive a not to assess any fees without pia notification oyouwftout waiving ourrigt to assess the me or simnerteas at a latertime. t S. Renewing Your Account. 0 e membership fee epProm m the front of your statement. YOU haw 30 days from the data this statement was mailed to you to avoid paying the fee or to haw such No credited to you if you cancel your account withoa having to pay the membership fee. To cancel your account, you must notify us by calling ow Customer Relations Department and pay your 'New Balance' in full (excluding the membership fee) prior to the end of the deny-day period. 6. N You Close Your Account. Yal can request to dose your -um by calling our Customer Relations Department. You must destroy your credit card(s) and account arcael, checks, cancel all pmouthohred billing and mace using your account. After your request to close, 0 you continue to transact a do not cancel preauthorimd billing arrangements, we At consider we" of a charge your authorization to keep your account open. Additionally, your account will not be dosed until you pay all amounts you ore us including: any transactions you haw outhal red. finance charges, past due fees, overNmN lees, returned payment fees, rash advance, fees and any other fees assessed to your account. You are responsible for these amounts whether they appear on, your account as the thre you request to dose the account a they incurred subsequent to your request to dose the amount. This may result In charges appearing on your account after you have requested the account to be dosed. 7. Using Your Account Your card or account cannot be used in connection with any Internet gambling trenUctions. 8. Notice About Electronic Check Comrerslon. When you provide a check as payment, you aumoras us either to use Information from your Chad, to make a MB-time electronic fund transfer from your bank account a to process the payment as a cheek transaction. When we use information from yaw check to make an electronic fund transfer, funds may be whhdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. BILLING RIGHTS SUMMARY (in Case of Errors or Ouestims abort Your Bill) If you think your NO is wrong, or if you need more information on a transaction or bit, write to us on a separate Insist as soon as possible at the address for inquires shown on the front of this statement. We must hew from you no later Man 60 days after we sent you the first bill on which the error or problem appeared. You con call our Customer Relations number, but doing so will not preserve your rights. In your letter, give us the following information: your name and account number, the dolor amount of the suspected error, a description of the era and an explanation, if Possible, of why you believe there is an era: or Of you need more information, a description of the item you ere unsure about. You do not have to pay any amount in question while we are Investigadng it, but you are still obligated to pay the parts of your bill that are not in quesim. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. F, t Special Rule or Credit Card Purchases M you have a problem with the quality of property or awiicea that you purchased with a credit card and you have tried in good faith to coned the problem with the merchant, you may have the right not to pay this remaining amount due on the property or services. You haw one protection only when the purchase price was more Men $50.00 and the purchase was made in your home slate or within 100 miles of your mailing address. (If we own or operate Me merchant, or if we maned you the advertisement fa the property or services, all purchases arc covered regardless of aunt or location of purchase.) Please remember to sigh all conespondmm. If Does not apply to consumer non-cedif card accounts Does not apply to IxWness non-ered( card accounfs Capital One supports information privacy protection: son our webeite at wow caoitabne otm. Capital One Is a federally registered service mark of Capital One Financial Corpondi- AN rights reserved. ® 2005 Capital One TC o8 Important Mi Payments you mad to u wil be eredled to you' ootanl Y Of Te Eusinw ay am ano ire A. Pmridtd (1) you Ma the nodom WW of ft statement and your cr m dm endi wittann anrelopt and (2) your Payment it mfwA'ed in our Pmuninp center by 3 p.m. ET (12 noon PTI. PMeae flow %Matl li (5( busman days for postal deanery. Paym rb rewired by us n any odmr location or in any thi Mnn may ne be nediMd n d dm ay w mceii dram. our busnMe ays am tai lmougn Saturday, ...*Q nofdayt. Pleue do rot un aMPln, papa, di etc. r,nen Pmpnind your pay,.,. 1-800-760-2493 FINANCE Previous Balance Payments & Credits CHARGE ! $531.29 -! $40.00 +! $6.74 JJuun. 10, 2007 - Jul. 09, 2007 Page 1 of 1 visa Platinum Account 40011426.2209.0705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $251.97 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $251.97_ / Finance Charges (Please see reverse for important information) 1 Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $515.94 0.04356% P 15.90% $6.74 Cash $0.00 0.05751% P 20.99% $0.00 ?ANNUAL PERCENTAGE RATE applied this period: 15.90% At Your Ser.4co 1.800.955-7070 To call Customer Relations a to report a lost or stolen card: Send payments to: Capital One Bank P.O. Box 70884 Charlotte, NC 282724884 Send inquiries to: Capital One - P.O. Box 30285 Salt Lake City, UT 841300285 For more information on your Rewards: Mist www.pp8alona.ooMcashreyards Call: "00-228-3001 5077 031 091 7572 Transactions New Balance Minimum Payment Due Date 1. r' 1! 1 1 ! 1 ! + $0.00 $498.03 $15.00 Aug. 03, 2007 J L J L. i'? JL J Rewards Summary Previous available balance: $8.66 Earned this period: $0.00 (rellads transactions posted during this billing cycle) Available Balance: $8.66 Payments Credits 8 Adjustments 1 26 JUN CAPITAL ONE ONLINE ACH PA YMENT $40.00- Capital One Home Loans offers a variety of no hassle home loan products, including first "ages, refinance and debt consolidation bans, as well as home equity bans and lines of credit. Our team of experienced professionals understands that your situation is unique so your loan solution should be too. Youl have the one-alone attention of the same personal ban consultant from call to close. Visit www.capitalonehomeloalls.com for more information. Capital One is an Equal Housing Lender. 6C56 5C6 1 07 9 070709 PAGE 1 of 1 01DM6C56 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ON LINE 0 4003442622090705 09 0498030040000015001 New Balance Minimum Payment Due Date ! 1! 1! 1 $498.03 $15.00 Aug. 03, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed J Capital One Bank P•0• 8ox 70684 Charlotte, NC 28272-0664 l ulrllnlnrlrllnrln?l??lu1?1#111 u1uju?lulnlu?lnl?? Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone #9019175563686518# MAIL ID NUMBER SHANNON E LAKE 5116 RAVENYOOD RD rlECHANICSBURG, PA 17055-4836 11#11161. Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. Now to Avoid a Finance Charge, t e. Grace Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance transfers, new special purchases is no new, other charges g you pay your total -New Balance-, in .... ni rice with the Important Notice for payments below, and in time for it to be credited by your payment due date. There is no gram period on cash advances and 'pedal transfers. In addition, acre is no grace period 'New on any tmnsacton a you do not pay the total balance' b. Accruing Finance Charge. Tsnsacdons which are not subject to a gram period are assessed finance charge 1) from the date of Me traneachi c 2) from the date the transaction is processed to your Account or 3) from the fiml calendar day of the current billing period. Addlfici y, a you did not pay the -New Balance- from the previous billing period in full, finance charges continue to - to your unpaid balance until the unpaid balance is paid in full. This '?. means that you may still owe finance charges, even It you pay the entire New Balance indicated on the front of your statement by the payment due date, but did not do so for the previous month. Unpaid finance charges are added to the applicable segment of your Amount. t c Minimum Finance Charge. For each bging period that your amount is subject to a finance doge, a minimum total FINANCE CHARGE of 50.50 wig be imposed. t d. Temporary Reduction in Finance Charge. We reserve the right to not assess any or all finance charges for any given billing period. 2. Avenge Daily BsWoe (Including New Pu-Intia a). Finance charge is calculated by multiplying the daily balance of each segment of your account (e.g., cash advance , pure ass special Bander, and special purchase) by the corresponding daily periodic reels) that has been previously disclosed to you. At the and of each day during the billing period, we apply the daily periodic cote for each segment of your account to the dally balance of each segment. Than all the and of the billing period, we add up Me results of these daily calculations to arrive at your periodic finance charge for each segment. We add up the results from each segment to arrive at the total periodic finance charge for your amount- To get the daily balance for each segment of your accornt, we eke the beginning balance for each segment and add any new transactions and any periodic finance charge calculated on the previous days balance for that segment. We than subtract any portraitist or credits posted as of met day that are allocated to that segment. This gives us the separate daily balance for each segment of your account. However, B you paid the New Balance shown on your previous statement in full (or d your new balance was credit amount), saw maasaceions, which poor to your purchase or special purchase segments are not added to the dairy balances. We calculate the average dairy balance by adding all the daily balances together and dividing the sum by the number of the days in the current billing cycle. To calculate your total finance charge, multiply your average daily balance by the daily periode rate and by the number of days in the billing period. Due to rounding on e daily basis m due to mlrinum finance charge assessment, them may be a variance between this calculation and the mount of finance charge actually assessed. 3. Annual Percentage Rates (APRJ. a. The srm'Annusl Percentage Rate' may appear as 'APR' on the front of this statement. b. If the code P (Quarterly Prime). L (Ouanery LIBOR), C (ouariedy CD), or S (Bankmrd Prime) appears on the front of this statement nerd to the periodic rate(s), the periodic rates and conesponding ANNUAL PERCENTAGE RATES may very quarterly and may increase ter decease based an the stated indioes, as kind n The Wall Street Journal, plus the margin previously disclosed m you. These dtnges will be saecuve on de het day of your billing period covered by your periods: statement endrg in the months of January, April, July and October. c If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to the periodic rate(s), ft periods : mi and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the slated ,not-, as found in The Wall Street Journal, plus the margin previously disclosed to you. These changes wet be effective on the first day of your billing period each month. 4. Assaasment of last, Ovwgmk and Returned Payment Fees. Under the tams of your customer agreement, we reserve the right to wave or not to assin a any fees without prior notification to you without waiving our right to assess the same or similarities at a latertime. t 5. Renewing Your Account. If a membership fee appears on the front of your statement, you have 30 days from the date this statement was mailed to you to avold paying this fee or to have such fee credited to you g you cancel your amarN without having to pay the membership tee. To cancel your amount you mud notify us by calling our Cusmman Rated- Department antl pay your -New Balance in full (excluding the rmmheshlp fee) prior to the and of the thirty-day period. 6. N You Close Your Account. YW can request to dose your account by calling out Customer Relations Dapartmem. You must destroy your c edit card(s) and account amass discid, cancel all preauthorized biling end cesse using your amount After your request to close, it you continue to trimmed or do not cancel preauthorized billing arrsngemens, we will consider recelpl of a allege your authorization to keep your account open. Additionally, your account will not be closed until you pay all amounts you owe us including: any Barsactions you have authorized, finance charger, past due fees, ovedma tau, rotumed payment fees, cash advance fees and any other fees assessed to your account You are responsible for these amounts whether they appear on your amount at the time you request to time the account or they inured subsequent to your request to dose the accuum. art This may result in charges appearing on your account after you have requested the account to be dined. 7. Using Your Account. Your card or account cannot be used in connection with any Internet gambling transaction. 8. Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your check 0 make a one-ante electronic fund transfer from your bank accent or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial Institution. BILLING RIGHTS SUMMARY (In Case of Emors or Questions about Your Bill) if you think your bill Is wrong, or g you need more information on a bensecton or bit. wnte to us on a separate sheet as soon as possible at the address for inquiries shown on the front of this statement. We must hear from you no later than 60 days after we sent you the first bill on which the error or problanl appeared. You can cell our Customer Relations number, but doing so will not preserve your lights. In your letter, give us the following Information: your name and amount number, the dollar amount of the suspected error, a description of the error and an nylanation, if possible, of why you believe there is an error: or if you need more information, a description of the item you are unsure about. You do not have to pay any amount in question while we am investigating h, but you are soul obligated in pay the parts of your bill that are not in question. While we investlgas your question, we cannot report you as delinquent or take any action to collect the amount you question. t, t Special Rule for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card and you have bled in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. You have this protection only when the purchase price was mom than $50.00 and the purchase was made in your home state of within 100 miles of your mailing address. (It we own or operate the merchanS or if we rdded you the advertisement for the property, or services, all purchases are covered regardless of amount or location of purchase.) Please remember to sign all correspondence, t Does not apply to consumer noncredtl card --is S Does nor apply to business non-credit card -is Capital One supports information privacy protection: we our website at www.caoitalone.com. Capital One Is a federally registered service mark of Capital One Financial Corporation. All rights reserved. 0 2006 Capital Ora TC-06 01 DM6056 - i - 0*10/07 bmpavtanl Naha: Payments you mal b m we b. c hed w yw, a m al the Easing day we r W i1 poaiead (1) yw mm the botlan Parson d thu sldtemant aM ywr cnxa In Me eridoee0 mmdlena mrelope and S2) Irow nymad is received n our pmmung oenler by 3 p m. ET (12 noon PT). Please aloes at lent five (5) butts days br posW ddn y. Paymeds received by us at any a bcalbn or in airy Oh., W. may not be crediled n d dm day we mcelve lh- 0. bminms drys are M...y through Saaaday, ea I ft Wdays. Plmn m not use atapl., Paper dq.. et, when PreWing Yaw prymmn- FINANCE Previous Balance Payments 8 Credits CHARGE $498.03-/I $25.00 +r $6.62 Jul. 10, 2007 - Aug. 09, 2007 Page 1 of 1 Visa Platinum Account 4003.4426-22CM705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $270.35 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $270.35) Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $489,97 0.04356% P 15.90% $6.62 Cash $0.00 0.05751%P 20.99% $0.00 `ANNUAL PERCENTAGE RATE applied this period: 15.90% l At Your Service 1400.955-7070 To oil Customer Relations or to report a lost or stolen card: Send payments to: Capital One Bank P.O. Box 70884 Charlotte, NC 28272-0884 Send Inquiries to: Capital One P.O. Box 30285 Salt Lake City, UT 84130.0285 For more information on your Rewards: Visitw .capkakxie.carJcashrewards Car: 14100.228-3001 Transactions New Balance Minimum Payment Due Date 1 ? 1 r 1? 1? 1. J+? $0.00 J ` $479.65 J $15.00 J Sep. 03, 200 7 Rewards Summary Previous available balance. $8.66 Earned this period: $0.00 (reflects transactions posted during this billing Cycle) Available Balance: $8.66 Payments Credits & Adjustments 1 27 JUL CAPITAL ONE ONLINE ACH PA YMENT $25.00- Capital One Home Loans offers a variety of no hassle home ban products, including first mortgages, refinance and debt consolidation bans, as well as home equity bare and lines of credit Our team of experienced professionals understands that your situation is unique so your ban solution should be too. You'll have the one-on-one attention of the same personal ban consultant from call to dose. Visit www.capltalonehomebans com for more information. Capital One is an Equal Housing Lender. 6056 506 1 07 9 070609 PAGE 1 of I O1DM6C56 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4003442622090705 09 0479650025000015008 New Balance Minimum Payment Due Date ? 1i 1! 1 $479.65 $15.00 Sep. 03, 2007 PLEASE PAY AT LEAST THIS AMOUNT / 1Amount Enclosed J Capital One Bank P•0• Box 70884 (rlrrlrr'rlrlrrlrllrr1 Char lotto, NC 28272-0884 I nlrllnlnrlrll nrl ulrlll nrlnlrlnlul u?lnlnlu?lurll Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone E-mail address @ #9022275563686511# MAIL ID NUMBER SHANNON E LAKE 5116 RAVENBOOD RD MECHANICSBURG, PA 17055-4636 11.116IsIIlun661 1r61 6r161 6u161 11n111 11 1 16r,111 Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. Mow to Avoid a Finance Charge. t a. Grace Period. You will have a minimum grace period of 25 days without Manse charge on new purchases, new balance transfers, new special purchases and new other charges N you pay your total -New Balance', in accordance with the knportaM Notice for payments below, and in time for it to be Credited by your payment due date. These is no grace period on cash advances and special transfers . In addition, there is m grace period on any transaction r you do not pay the total 'Now balance' b. Aceming Finance Charge. Transactions which are not subject to a grace period are assessed finance large 1) from the date of the transaction or 2) from the date the trareaction is processed to your Account or 3) from the fast calendar day of the cement Wag period. Addllbnaly N you did nor pay the 'New Balance' from the previous billing paned in full, finance charges continue to accrue to your unpaid balance unfit the unpaid balance is paid in full. This means that you may atNl owe finance charges.. even N you pay the entice New Balance Indicated on the front of your statement by the payment due date, but did not do so for the previous month. Unpaid finance charges are added to the applicable segment of your Account. t c. Minimum Finance Charge. For ash titling period that your o-wo is subject lo a finance charge, a mininum total FINANCE CHARGE of $0.50 with be imposed. t d. Temporary Reduction in Finance Charge. We reserve the right to not ewers any or all finerco charges to any given billing period. 2. Average Daily Balance (Inducting New Purchase&). Finance charge is Calculated by multiplying the daily balance of each segment of your account (a. g., cash advance, purchase, spacial transfer, and special purchase) by the Corresponding dally periodic rate(s) that has been previously disclosed to you. At the and of each day during the billing period, we apply the day periodic rate for each segment of your account to the dally balance of each segment. Then at the and of the billing period, we add up the results of these daily calculations to arrive at your periodic finance charge for each segment. We add up the neaub from each segment to arrive at the total periodic finance charge for your account. To get the defy balance for each segment of your account ' we take the begin ung balance for each segment and add any haw transactions and any periodic firenw charge calculated on the previous days balance for that segment We than subtract any Peymants or Credal posted as of that day that are allocated to that segment. This gives us the separate daily balance for each segment of your account. However, N you paid the New Balance shown on your previous statement in full (o Nyour new balance was o e Credit amount), new trmeacdons, which poet to ymhr purchase or special purchase segments are hot added [o the cialy balances. We wiwlate the average daily balance by adding all the daily balances together and dividing the sum by the number of the days in the current billing cycle. To Calculate your tole! finance charge, multiply your average daily balance by the daily periodic rate and by the number of days in the bring period. Due to rounding on e daily bee's or due to minimum finance charge asse swnent, there may be a variance beaxeen this ralwWtion and the amount of finance Charge actually tae sed. 3. Annual Percentage Rates (APR). a. The whim "Annual Percentage Rao' may appear as 'APR' on the from of this statement. b. If the code P (Quarterly Prime), L (Ouarter y LIBOR), C (Quarterly CO), o S (Bankwrd Prime) appears on the front of this statement rain to the periodic rote(s), the periodic rotes and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based m the stated sdeas, as tpund in The WBII Street Journal, plus the margin previously disclosed to you. Thsea danger will be effective on the first day of your billing period covered by your periodic statement ending in the months of January, April, July and October. c. If the code D (Monthly Prime). F (Mw[Ny LIBOR), or G (Treasury LIBOR) appears on the front of your statement ned to the periodicratit(e), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may inaees , or deoeese based on the stated indices, as found in The Wall Street Journal, Plus the margin previously disclosed to you. These changes will he eeecttve on the first day of your billing period each menth. 4. Assessment of Late, OverlimA and Reamed Payment Fees. Under the terra of your Customer agreamen, we reserve der ngM d we w or not to assess any fees without prior notification to you without weivkg our right to assess the -me or rimier ices at a iatartime. t 5. Rehearing Yow Account. N a membership fee appears on the front of your statement, you have 30 days from the date this statement was mailed to you to avoid paying this fee or to have such fee credited to you if you wheel your account without having to pay the membership fee. To wncel your ooopunt, you must notify us by Calling our Cuemmer Relaeos Department and pay your 'New Balance' In full (excluding the membership fee) prior m tin end of the thirty-day period. 6. N You Class Your Account. You Can request to dose your account by calling our Customer Relations Department YW must destroy your Credit card(s) and account amass decks, Cannel all preauthonized bring and ceaea using your account Attar your request to Close, if you continue to transact or do not wheel preauthodmd billing arrangements, win will consider recall t of a charge your aut horbatkin to keep your account open. Additionally, your account will not be dosed until you pay all amounts you owe us including: any transactions you have authorized, France Changes, past due fees, marking lee, reamed payment fees, Cash advance fees and any other fees assessed to your account. You are responsible for these amounts whether day appear on your account at the rime you request to close the account or they am trimmed aubsequeM to your request to dose the account. This may resuft in diverges appearing on your aawunt after you have requested film account to be dosed. 7. Using Your Account. Your Card or account Cannot be used in connection with any Internet gambling trensadions. 6. Notice About Electronic Check Conversion. When you provide a hack as payment, you authorize us either to use information from your Cheek to make a o e-time electronic fund transfer from your bank account or to process the payment as a heck transaction. When we use Irdomation from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. BILLING RIGHTS SUMMARY (In Case of Emus or Ouastiona about Your Bill) N you think your his is wrong, or if you need more information on a transaction, or bii, write to us on a separate sheet as soon as possible at the address for inquiries shown on the front of this statement We must hear from you no later than 60 days after we sent you our first bill on which thin error or problem appeared. You can Call our Custarar Relations number, but doing so will not preserve your rights. In your letter, give m the following Information: your name and account number, the polar amount of the suspected error, a description of the error and an explanation, N possible, of why you believe there is an erro; or N you need more information, a description of the item you are unsure about. You do not have to pay any amount in question while we are investigating ft, but you are soil obligated to pay the parts of your bill that are not in question. While we investigate your question, we, cannot report you as delinquent or take any action to tolled no amount you question. F. t Special Rule for Credit Card Purcasea N you have a problem with the quality, of property or services that you purchased with a credit card and you have triad in good faith to correct the problem with the merchant, you may have the right rot to pay the remaining amount due on the property or services. You have this protection only when the purchase price was more than S50.00 and the purchase was made in your tame state or within 100 miles of your mailing address. (If we own or operate the mK"nL o N we mailed you the advertisement for the property, or services, all purchases are covered regardless of mount or location of purchase.) Please remember to sign all correspondence. t Does not apply to consumer rcn-cradn Card accourds I Does not apply to business non-credo Card accounts Capital One supports information privacy protection: we our webshe at www cadalone.com. Capital One s a federally registered service mark of Capital One Financial Corporation AN rights reserved. ® 2006 Captal One Q1UM6obb - 1 - w1uluf Important Nopce: Payments you Mal b us Will be crecibE b your account so b to business ay we receive h prodded (1( you on, me bcdom portion of Uft iMCmem moo your check in the endoced hermance envelope and (2) you paymorris received n our processing comer by 7 p.m. ET (12 naon PT). Pease slow M INat five 151 drsiren ay, br pupal r1MNery. Pa(meme raceimtl by us n arty otbmbcetlon m in arry other form may not be credited as of tM ay we receive some. Our basins day, am Wmday trough saWmay, a rcuarg balkfirp Please m rot use staples. paper dips, sec. wmn preparing your p.yr,em. FINANCE Previous Balance Payments 3 Credits CHARGE Transactions New Balance Minimum Payment Due Date $479.65 - $30.00 + $8.02 + $210.52 = $668.19 $20.00 Oct. 05, 2007 Aug. 10, 2007 - Sep. 10, 2007 Page 1 of 1 Visa Platinum Account 4003.4426.2209.0705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $81.81 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $81.81 /Finance Charges (Please see reverse for important information) Balance rate Periodic Come sporiding FINANCE applied to rate APR CHARGE Purchases $575.13 0.04356% P 15.90% $8.02 Cash $0.00 0.05751% P 20.99% $0.00 ANNUAL PERCENTAGE RATE applied this period: 15.90% % At Your Service 1 MO.955.7070 To cal Customer Relations or to report a lost a stolen card: Send payments to: Capital One Bank P.O. Box 70884 Charlotte, NC 28272-0884 Send inquiries to: Capital One P.O. Box 30285 Safl Lake Cily, UT 84130-0285 For more information on your Rewards: Visit w .capitalate.oomrcashrewards Cal: 1-800228-3001 Rewards Summary Previous available balance: $8.66 Earned this period: $3.24 (reflects transactions posted during this billing cycle) Available Balance: $11.90 Payments, Credits 8 Adjustments 1 04 SEP CAPITAL ONE ONLINE ACH PA YMENT $30.00- Transactions 2 24 AUG SLACKS HOAGIE SHA CAMP HILL PA $9.00 3 24 AUG MCDONALD'S F15788 MECHANICSBURG PA $3.49 4 25 AUG GIANT FOOD STORES #120 MECHANICSBURG PA $79.75 5 27 AUG GIANT FOOD STORES #331 MECHANICSBURG PA $61.77 6 27 AUG HUNAN EXPRESS MECHANICSBURG PA $27.51 7 03 SEP PAST DUE FEE $29.00 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. Have a question about a charge On your statement? Please refer to the Billing Rights Summary on the back of Capital One Home Loans offers a variety of no hassle home ban products, including first mortgages, refinance and your statement or visit www.canitalone.comIdisputes. debt consolidation bans, as well as home equity bars and lines of credit Our team of experienced professionals understands that your situation is unique so your ban solution should be too. Youll have the one-on-one attention of the same personal ban consultant from call to dose. Visit www.capitalonehomeloars.cem for more information. Capital One is an Equal Housing Lender. 6C56 5C6 1 C7 9 G; 0910 PAGE of 1 013 6C56 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE 0 4003442622090705 09 0668190030000020002 Account Number: 4003-4426-2209-0705 New Balance Minimum Payment Due Date Please print addreu or phone number changes below using blue or black ink. Address $668.19 $20.00 Oct. 05, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed Capital One Bank P.O. Box 70884 lrlrrlrrlrllrrrllrrlrl Charlotte, NC 28272-0864 lullilt IIt1 ilrrrlulrll6rrpill lilt llnlln6rlirl6l,11 Home Phone Alternate Phone E-mail address @ #9025975563686514# MAII, ID NUMBER SHANNON E LAKE 5116 RAVENVOOD RD MECHANICSBURG, PA 17055-4636 un lrl n J.L. lullnlw llu lluurl l lllnlln Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How, to Avoid a Finance Charge, t a. Greco Period. You MR have a minimum grace period of 25 days without finance charge on new prxchases, new balance transfers, new special purchases and new other charges t you pay your total "New Belanm', in accordance with the Imprtant Notice for payments below, and in time for it to be Credited by your payment due date. Them is no gram period on Cash advances and special transfers. In addition, them is no gram period on any tmneactien if you do rot pay the total "New balance' b. Accruing Finance Charge. Trarrmc{ons which am not subject to a grace period are assessed finance charge 1) from the date of the transaction or 2) from the dale the transaction is processed to your Account or 3) Irom the first calendar, day of the Current biting period. Additionally, V you did not pay Me "New Balance" from the previous Mind period in full, fiance charges continue to accrue to your unpaid balance until the unpaid balance is paid in fut. This means that you may sill owe finance charges, even t you pay the entire New Balance indi aired on the front of your statement by the payment due date, but did not do so for Me previous month. Unpaid finance charges am added to the applicable segment of your Accoui t c tNnimum FInance Charge. For each biting period due your account is sublect In a finance Charge, a minknum total FINANCE CHARGE of $0.50 wit be imposed. t d. Temporary Reduction in Finance Charge. We reserve the right to not assess any or all finane, charges for any given billing period. 2. Average Daily Balance (Including New Purchases). Finance charge is mlw ated by multiplying to daily balance of each segment of your account (a q., Cash advance, purchase, special transits. and special purchase) by the Corresponding dairy parodic rate(s) that has been previously disclosed to you. At the and of each day during the billing period, we apply the daily periodic rate for each segment of your account to the daily balance of each segment. Then at the and of the billing period, we add up the results of these dairy calculations to i m ie at your periodic finance charge for each segment. We add up the mwits from each segment to arrive at the tour periodic finance Charge for your a¢ount To get the dairy balance or each segment of your account, we eke the beginning balance for mch segment and add any new transactions and arty periodic finance charge calculated on the previous days balance for that segment. 'We tree wbitud any payrronb or credits posted as of that day that are allocated to that segment. This gives Le the separate daily balance for each segment of your account. However, If you paid the New Balance shown on your previous statement in full (r t your new balance was or a Credit amount), now transactions, which post to your purchase or special purchase segments are not added to the daily balanem. We calculate the average dairy balance by adding all the daily halances together and dividing the sum by the number of the days In the cement billing cycle. To Calculate your total finance charge, multiply your average daily balance by the daily periodic rate and by the number of days in the biting period. Due M rounding ph a daily bask or due to minimum finance charge assessment, them may be a vanance between this Calculation and the amount of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The am "Annual Percentage Rate" may appear as 'APR' on the front of this statement b. If the code P (Ouarterty Prime), L (Ouarterty LIBOR), C (Ouanerly CD), r S (Bankcerd Prime) appears on the front of this statement next to the periodic rate(s), the periodic rates and Corresponding ANNUAL PERCENTAGE RATES may vary quarterly and my Increase r decrease based on the stated indices, as found in The Wall Street Journal, pits the margin previously disclosed to you. These changes will be effective pin the feat day of your billing period Covered by you periodic statement ending in the months of January, April, July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Tmmury LIBOR) appears on the from of your statement next to the periodic tute(e), the periodic rates and corresponding ANNUAL PERCENTAGE. RATES may vary monthly and may increase or decrease based w the stated indices, as fond In The Wall Street Journal, plus the margin previously disclosed to you. These changes will be effective on the flrat day of your Lolling period mch month. 4. Assessnem of Late, Overtimt and Returned Payment Fees. Under the terms of your Customer agreement, we reserve the rk" to waive or not to asses, any fees without prior notification to youwhhout waiving our right to assess the simile rf.. et a latertime. t 5. Renewing Your Account If a membership fee appears on the front of your statement, you have 30 days from tha date this statement was mailed to you to avoid paying the fee or to have won fee credited to you if you Centel your account without having to pay the membership fee. To Cancel your account you must notify us by Calling our Customer Relations Department and pay Your -New Balance' in fui (excluding the membership fee) prior to the end or the thirty-day, period. 6. H You Clow Your Account. You Can request to Close your account by Calling our Customer Relations Department. You must destroy your credit card(s) and "o"'m across Checks, moral all presuthorized billing and cease using your account After your request to close, if you Continue to transact r do rat uncel pmauthodmd biting arrangements, we will consider receipt of a change your aulhomadon to keep your account open. Additionally, your account will not be closed until you pay all amounts you owe us including: any transactions you have authorized, chance charges, past due fees, overtmit Ima returned payment fees, Cash advance fees and any other fees assessed to your account. Y are responsible for these amounts whether toy appear on your account at the time you request to dose to account or they are inmrrod subsequent to your request In dose the account. This may result in dwgm appearing on your account after you have requested the account to be closed. 7. Using Your Account. Your Cam or accountcannot be used in connection with any Internet gambling transactions B. Notice About Electronic Check Colwarsion. When you provide a check as payment, you authorize us either to use information from your Check to make a one-time electronic fund transfer tram your bank account r to process the payment as a check transaction. When we use information from your Check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. BILLING RIGHTS SUMMARY (In Case of Errors or Questions about Your Bill) t you think your bill is wrong, -f you need more Information on a transaction or bill, write to us on a separate sheet m soon as passible al the address for mcl.ines shown on ten front of this statement We must hear from you no later than 60 days after we sent you the foal bill on which to error or problem appeared. You Can Call our Customer Relations number, but doing so will not preserve your rights. In your letter, give us the otowing information: your name and account number, the dollar amount of the -loaded error, a description of the error and an explanation, if possible, of why you believe them Is an error; or t you need more information, a description of the item you am unsure about. You do not have to pay any amount in question write we am investigating It. but you are still obligated to pay the parts of yon bill mat are not in question. While we investigate your question, we Cannot report you as delinquent or talcs any action to riled the amount you question. Z, t Special Rule or Credit Card Purchases If you have a problem with the quality of property or servkea that you purchased with a Credit Card and you have oed in good faith to Correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property r services. You have this protection only when the purchase price was more than 550.00 and the purchase was made In your home state or within 100 miles of your mailing address. (If we oven or operate the merchant, or r we mailed you the advertisement for the property or services, ail purchases are Covered regardless of cunt or location of purchase.) Please remember to sign all correspondence . t Dom not apply to consumer non-credit Card accounts * foes not apply to business non-reedit card accounts Capital One supports information privacy protection: see our webs". at www_eaoitalone w Capital One is a federally registered service mark of Capital One Financial Corporation. Al rights reserved. ® 2006 Capital One Ot DM6056 - 1 - 04110107 Iepoimma Noun: Payments you mai b us wil be aednd a your a[Mnt as of the Warsaw day we receMe il, provaed (1) you send me teaDm portion of On statement and your deck m the enclosed ramAlann em'empe are (2) your payment is received in DW v RWng C9Me1 by 3 p.m. ET (12 won PT). Plane, allow at least five (5) business days for postal dehery. "aft rehired by us at any a".lontan or in any Mar form may not he milled as of tire day we rewire meas. Our Maness days are Nooday hmupn SAW ay, a aud'rg holidays. Please do ria use stapes, Paper tips et. when prepennp your pay- Call toll free 1-800-760-2607 Reservation Number: 5107 051 054 9093 FINANCE Previous Balance Payments 8 Credits CHARGE $668.19 $20.00 + $8.28 SSeep. 11, 2007 - Oct. 09, 2007 Page 1 of 1 Visa Platinum Account 40034426.2209.0705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $48.60 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $48.60 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $677.14 0.04219% P 15.40% $8.28 Cash $0.00 0.05614% P 20.49% $0.00 `ANNUAL PERCENTAGE RATE applied this period: 15.40% % At Your Service 1.800.955.7070 To call Customer Relations or to report a lost a stolen card: Send payments to: Capital One Bank P.O. Box 708M Chanotte, NC 28272-0884 Send inquiries to: Capital One P.O. Box 30285 Salt Lake City, UT 84130.0285 For more information on your Rewards: Visit wew.apltalone.corNashrewards Call: 1-800-228-3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www. WDitalone.conJdisputes. Transactions New Balance Minimum Payment Due Date 1+? $44.93-? $701.40 $21.00 Nov. 03, 2007 J \? J J'. J?- J Rewards Summary Previous available balance: $11.90 Earned this period: $0.06 (reflects transactions posted dung this billing cyde) Available Balance: $11,96 Payments, Credits & Adjustments 1 06 OCT CAPITAL ONE ONLINE ACH PAYMENT $20.00- 2 05 OCT PAST DUE FEE 3 05 OCT MCDONALD'S F15988 MECHANICSBUR PA $39.00 $5.93 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. EC56 ?C6 1 C1 9 C'1 D09 PAGE 1 of 1 01IN96056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE New Balance Minimum Payment Due Date i 1% 1! 1 $701.40 $21.00 Nov. 03, 2007 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ? J 0 4003442622090705 09 0701400020000021005 Capital One Bank P.o. Box 70684 1rlrrLrllrllrrrlrrrll Charlotte, NC 28272-0664 LrLilrrlrrrlrllrrrlrrLllLrrLrlrLrirrlrrllrrLrlrrlLrrll Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address @ #9028375563686513# MAIL ID NUMBER SHANNON E LAKE 5116 RAVE NWO 01 R1 MECHANICSBUR G, PA 17055-4636 rrrlllrrrllL,rrLIrrlJrrLrllrrLlrlLrlLrrrrllrlLrrl„ Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. Now, to Avoid a Finance Charge. t e. Grace Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance transfers, new special purchases and new other charges l you pay your total 'New Balance', in accordnra with the Important Notice for payments talon, in time for it to be cradked by your payment due date. Thera is no gram period on cash advances and special transfers. In addhon, there is no grace period on any transaction if you do not pay the total 'New balance.' b. Aeeruing Finance Charge. Transactions which are not object to a gram period are assessed finance charge 1) from the date of the transaction or 2) tom the date the transection is processed to your Account or 3) from the first calendar day of the current billing period. Additionally, If you rid net pay the "New Balance' from the previous billing period in full, finance charges continue o accrue to your unpaid balance until the unpaid balance is paid in full. This means that you may still owe finance charges, even M you pay the entice New Balance indicated on the front of your statement by the payment due date, but rid not do se for the previous mash. Unpaid finance charges are added to the applicable segment of your Account. t c. Minimum Finance Charge. For each biing period that your aoxxmt I. subject m a finance charge, a minimum total FINANCE CHARGE of $0.50 will be imposed. t d. Temporary Reduction in Finance Charge. We reserve the right to not assess any or all finance charges for any given ailing period. 2. Average Daily Balance (including New Purchases). Finance cage is calculated by multiplying the daily baanm of each segment of your account (e.g., men advance, purchase, special transW, and special purchase) by the corresponding dairy periodic rate(s) that has been previously disclosed to you. At the and of each day during the billing period, we apply the daily periodic rate for each segment of your account M the daily balance of each segment. Than at the and of the billing period, we add up the results of these daily calculations to arrive at your periodic finance charge for each segment We add up the result, from each segment to arrive at the totai periodic finance charge for your account To gel the dairy balance fa each segment of your--L we take the beginning balance for each segment and add any new transaction and arty periodic finance charge calculated on the previous days balance for that segment. We Men subtract any payments or credits posted as of that day that are allocated to that segment. Thl, gives us the separate daily baance for each segment of your j -nt. However, if you paid Me New Balance shown on your previous statement In full (o H your new baanm was a a credit amount), new the-dons, which post to your purchase or special purchase segments are not added to the daily balances. We calculate Me average daily bak- by adding all the daily Ivil-cm together and dividing the sum by the number of the days in the current billing cycle. To calculate your fetal finance charge, multiply your average daily balance by the daily periodic rate and by the number of days in the billing period. Due to rounding on a dairy basis or due to minimum finance charge assessment, them may be a valance between this calculation and the amount of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The tam 'Annual Percentage Rate" may appear as 'APR' on the front of this statement. b. If the code P (Quenery Prime). L (Quarterly LIBOR), C (Quarterly CD), or S (Bank-rd Prime) appears on the front of this statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES nay vary quarterly and may increase or decrease based an the stated indicate. as found in The Well Sheet Journal, plus the margin previously disclosed to you. These changes will be effective on the Wsl day of your billing period covered by your periodic statement ending in the months of January, April, July and October. c. If the code D (Monthly Prime), F (Monthy LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to the periodic rate(s), the periodic rates and conesponding ANNUAL PERCENTAGE RATES may very monthly and may increase or decrease based on the stated indices, as found In The Wall Street Journal, plus the margin previously disclosed to you. These changes will be effective on the first day of your billing period each month. 4. Assessment of Line, OvergmR and Reti med Payment Fees. Under the terms of your customer agreement, we reserve the right to waive or no to assese any tam without prior notification to youwfhout waivkg ourright to assess the me or simiarfeas at a latertime. t 5. Renewing Your Account. H a membership fee appears on the front of your statement, you hire 30 days from the dale this statement was mailed to you a avoid paying the fee or to have such fee credited to you if you cancel your account without having to pay the membership tea. To cancel your weetim, you must notify us by calling our Customer Reatlons Department and pay your 'New Balance' in full (excluding the membership fee) prior to the end of the W rty-dey period. 6. N You Close Your Account. You can request to dose your account by calling our Customer Relations Department. You must destroy your credit card(s) and account webs, dadks, cancel all presuthonzed billing and cease using your account After your request to close, H you continue to transact or do not cancel preaulhonzed billing arrangements, we wqI mrhsider receipt d a charge your su l-oh lion to keep your account open. Additiaally, your account will not be Closed until you pay all amounts you owe us including: any transactions you have authorized, finance charges, past due fees, merlimft fees, returned payment fees, cash advance fees and any other fees assessed to your account. You are responsible for these amounts whether they appear on your aceaem at the time you request to dose the account or they re incurred subsequent to your request to dose the arco ra. This may result in charges appearing on your account after you have requested the account to be dosed. 7. Using Your Account. Your card or account cannot be used in connection with any Internal gambling transactions. 8. Notice About Electronic Check Conversion. When you provide a check as payment, you audw b!a us either to use information from your check to make a are-time electronic fund transfer from your bank accord a to process the payment as a check transaction. When we use Information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financal institution. BILLING RIGHTS SUMMARY (In Case of Errors or Questions about Your Bill) If you think your bill is wrong, or if you need mom Information on a transaction or bit, write to us on a separate sheet as soon m possible at the address for inquiries shown on the front of this statement We must hear them you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can call our Customer Relations number, but doing so will no preserve your rights. In your letter, give us the blowing information: your fame and account number, the dollar amount of the suspected error, a description of the error and an explanation. H possible, of why you believe there is an error, or if you need mere information, a description of the ham you am unsure about You do hot have to pay any amount in question while we are investigating it, but you are still obligated to pay the parts of your bill that arc not In question. While we Investigate your question, we cannot report you as deknquent or take any action to tolled the amount you question. $, t Special Rule for Credit Card Purchases H you have a problem with the quality of property or services that you purchased with a credit card and you have Mad in good faith to coned the problem with the merchant you may have the right rot to pay the remaining amount due on the property, a services. You have this protection only when the purchase price was mom than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we awn or operate the merchant, cr if we malted you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase.) Please remember to sign all correspondence. t Dees not apply to consumer ran-cedir card accounts $ Does not apply to business non-credit card accounts Capital One supports information privacy protection: see our websHe at www.cauitalongOgm. Capital One Is a federally registered service mark of Capital One Financial Corporation. AN rights reserved. ® 20D6 Capital One TC-08 01DM6056 - 1 - 04110107 hapertaN Xnike: Paymems you mad b us v[d m Credibd b your a-uM ae of the Waneac day ere recahe y provided (1) you send the nddom portion of tlis slaMernenl and ywr check in the enclosed remNence envelope and (2) year paymem -e mcsiv d in our --r g tamer by 3 p.m. ET (11 noon PT). PWeSe aim at Weal five (5) Wmess days for poalal delivery. Paymeres mceied by us an any odr¢r bollon or in any odmr Wean may nol be Created a of the day vce receive prem. Our business days are Mcnasy mwgn Sakeday, eaoutlig wkdays. PWeee de M use slsplee paper cdps, at. when prepermg ywr pay,-, 1-800-760-2493 5117 061 053 1127 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $701.40 - $701.40 + $2.40 + $0.00 - $2.40 $2.40 Dec. 04, 2007 Oct. 10, 2007 - Nov. 09, 2007 Page 1 of 1 Visa Platinum Account 4003.442622094705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $747.60 CREDIT LINE FOR CASH $375.00 ",A VAILABLE CREDIT FOR CASH $375.00 Finance Charges (Please see reverse for important information) 1 Balance mate Periodic Conesponding FINANCE applied to rate APR CHARGE Purchases $163.64 0.04219% P 15.40% $2.40 Cash $0.00 0.05614% P 20.49% $0.00 \\ANNUAL PERCENTAGE RATE applied this period: 15.40% % At Your Service 1.800.9557070 To call Customer Relations or to report a lost or stolen card: Send payments to: Capital One Bank P .O. Box 70884 Charlotte, NC 28272-0884 Send inquiries to: Capital One - P.O. Box 30285 Sall Lake City, UT 84130-0285 For more Infommatlon on your Rewards: Visit: YAYVf.fapnal0rle.WRltWStlRYlefde Cal: 1-800-228-3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.caoitalone.comddisoutes. Rewards Summary Previous available balance : $11.96 Eared this period: $0.00 (reflects transactions posted during this billing cycle) Available Balance: $11.96 Payments, Credits 8 Adiustments 1 18OCT PAYMENT $676,77- 2 19 OCT CAPITAL ONE ONLINE ACH PA YMENT $2463. 6056 C6 1 C7 9 071109 PACE 1 of 1 01DM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE New Balance Minimum Payment Due Date ? r 1? 1 $2.40 $2.40 Dec. 04, 2007 ? J? JL J PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed / 0 4003442622090705 09 0002400024630002406 Capital One Bank B?m?rr?rm??mmr??r?rm?r) P-:-o,70884 Chrlotte, NC 28272-0884 Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Address Home Phone Alternate Phone #9031475563686516# MAIL ID NUMBER SHANNON E LAKE 5336 RAVENY000 RD nECHANICSBUR6, PA 17055-4836 I still 11.1111,11111111 11111111 111111181111 11111 loll 11h.11 1. Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finanu Charge. t a. Grace Period. You will have a mnknum pace period of 25 days without finance charge on new purchases. new balence transfers, new special purchases and new other charges R you pay your total "New Balance", in aceooance with the Important Notice tar payments below, and in time for it to be credited by your payment due data. There is no pace period on cash advances and special transfem. In addition, there is ro grace period on only transaction it you do not pay the total "New, balance' b. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the dale of the transaction or 2) from the dale the transaction is processed to your Account or 3) from the fist calendar day of the curren billing period. Additionally. I you aid not pay Me 'New Balance' from the previous billing period in full, finance charges continue to accrue to your unpaid balance until the unpaid balance is paid in full. This means that you may still own, finarca charges, even k you pay the enure New Balance indicatad on the front of your statement by the payment der date, but aid not do so for the previous month. Unpaid finance charges are added to the applicable segment of your Account. t c. Minimum Finance Charge. For each billing period that your cmuM a subject o a finence orange, a minimum trial FINANCE CHARGE of $0.50 will be imposed. t d. Temporary Reduction in Finance Charge. We reserve the right to not awake any or all finance charges for any given billing period. 2. Average Daily B.I.- (Including New Purchases). Finance charge is calculated by multiplying the dairy balance of each segment of your account (e.g., cash advance. l rchass, special transer. and special purchase) by the corespoding daily periodic rate(s) that has been previously disclosed to you. At the end of each day during the tilling period, we apply the daily periodic to for each segment of your account to the daily balance of each segment. Than at the and of the biling period, we add up the results of these daily calculations, to arrive at your periodic finance charge for seen seprart. Wit add up the results from each segment to arrive ad the total periodic finance charge for your account. To gar the daily balance for each segment of your armnnt. we take the beginning balance for each segnerd and add any new transactions and any periodic finance charge calculated on the previous days balance for that segment. We then subtract any payments - credits posted as of that clay that are allocated to that segment. This gives us the separate daffy balance for each segment of your accotln. However, If you paid the New Balance shown on your previous statement in full (or if your new balance was zero or a credit amount), new transactions, which post to your purchase or special purchase segments are not added to the daily balances. We calculate the average dairy balers by adding all Me daily balances together and dividing the sum by the number of the days In the cement billing cycle. To calculate your total finance charge, multiply your average daily betance by the daily periodic rate and by the number of days in the bilking period. Due to rounding on a daily basis dr due to minimum finance charge assessment, there may be a variance between this calculation and the amount of finance charge actually assessed. 3. Annual Percentage Rates (APRJ a. The him 'Annual Percentage Rate' may appear as 'APR' on the hoot of this statement. b. If the code P (Quarterly Prime), L (Quarterly LIBOR), C (Quarterly CD), a S (Bankcard Prime) appears on the hone of this statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the stated indices, as bond in The Wall Street Journal, pals the margin previously disclosed to you. These changes will be effective on the first day of your billing period covered by your periodic sraosmem ending in the months of January, April, July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to the periodic rim(s), the periodic mass and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated indices, as found In The Wall Street Journal, plus the margin previously disclosed to you. These changes will be effective on the first day of your blilfr i period each month. 4. Assessment of Late, OverllmR and Returned Payment Fees. Under the terms of your customer agreement , we reserve the right, to waive or not to assess any fees without prior notification to youwithoutweivirg ourtight to assess the same a wermlerfees at a Warr- t 5. Renewing Your Accourd. If a membership fee appears on the front of your statement, you have 30 days hen the data this statement was mailed to you to avoid paying the fee or to have such fee cradled to you if you cancel your ccount withaul having to pay the membership fee. To our tJ your acmuM you must notify us by calling our Customer Relations Department and pay your'New Boland In full (excluding the membership fee) prior o the end of the Ifi rty-day period. 6. R You Clem Your Account. You can request to dose your account by citing our Customer Relations Department. You must destroy your credit carols) and a-rd access deco, ra 1 all preaudrorized billing and ream using your account After your request to close, N you continue to transact a do rot cancel preauthonzed bitting arrangements, we vAl consider receipt of a charge your auderizadon to keep your account open. Additionally, your account will not be closed until you pay all amounts you owe us including: any thweaction , you have authorized, finance charges, past due fees, overkmk lees, returned payment hoes, cash advankx fees and any other fees assessed to your account You are responsible for them amounts whether they appear on your account se the rime you request to dose the account o they incurred subsequent W your request to does the account. This may result in charges appearing on your account after you have requested the account to be dosed. 7. Using Your Account. Your card or account cannot be used in connection with any Internet gambling mnsaGions. 8. Notice About Electronic Chock Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a ore-time electronic fund transfer from your bank account w to process the payment as a check transaction. When w9 use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not rec lve your check back from your financial institution. BILLING RIGHTS SUMMARY (In Case of Errors or Questions about Your Bill) If you think your NO is wrong, or ff you need more information on a transaction or big, write to us on a separate sheet as soon as possible at the address [or inquiries shown on the front of this statement We must hear from you no War than 60 days after we sent you the first bill on which are error or problem appeared. You can call our Customer Relations number, but doing so will not preserve your rights. In your letter, give us the following Information: your name and account number, the dosar amount of the suspected error, a description of the smar and an explanation. If possible, of why you believe there is an error, or if you need more information, a description of the item you arse unsure about. You do not have to pay any amount in question while we are investigating h, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to culled the amount you question. t, t Special Rule for Credit Card Purchases if you have a problem with the quality of property or se vine that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amt due on the property or services. You have this protection only when the purchase price than $50.00 and the purchase was made in your home swas, mom tate or within 100 miles of your mailing address. (If we own or operate the merchant, or d we mailed you the adveMSement for the property a services, all purchases are covered regardless of amount or location of purchase.) Ptease remember to sign all correspondence. t Does not apply to consumer non-credN card accounts j Does not apply to business non-credit card accounts Capital One supports information privacy protection: see our websile at www.caodaione.cam. Capital One is a federally registered service mad of Capital One Financial Corporation. At rights reserved. ® 2006 Capital One 01 DM6056 - 1 - 08/70/07 Important MWI a: Payments you mai In us will be crnemd n your acrounf as of the business day we recelae s, prmeded (1) you sew tne baemn omaou Nflre da eaund end your Meek in ee enclosed remNance ..I. M and (2) yaw payment is recawed n our pl.-" center by 3 p.m. ET (12 coon PT). Please aMw x least 5w (5) businna days for petal daFVery. Payments recewert by us w any Weer bcaeon or in any ,he, form may riot be credilsd as (ft dry we fecairt earn. 0. bwinase days are tlorday mrauph Saturday. escl Wiq holidays. Please dW rim use staples, paper CKM, et. when prep mg your payment. Call toil free 1-800-760-2607 Reservation Number: 5127 061 049 8768 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $2.40 - $17.40 + $0.00 + $15.00 - $0.00 $0.00 Jan. 04, 2008 ? i ?, J? J L J ?_ JL J? i Nov. 10, 2007 - Dec. 10, 2007 Page 1 of 1 Visa Platinum Account 400344262209-0705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $750.00 CREDIT LINE FOR CASH $375.00 1, AVAILABLE CREDIT FOR CASH $375.00--J Inane Charges (Please see reverse for important information) 1 Balance rate Periodic onding FINANCE applied to rate R CHARGE Purchases $0.00 0.04219% P 15.40% $0.00 Cash $0.00 0.05614% P 20.49% $0.00 ANNUAL PERCENTAGE RATE applied this period: 0.00% At Your Service 1.900.955.7070 To car Customer Relations a to report a kst a stolen card: Send payments to: Capital One Bank - P.O. Box 70884 Charlotte, NC 28272-0884 Send inquiries to: Capital One P.O. Box 30285 Sall Lake City, UT 84130-02B5 For more information on your Rewards: Visit: www apitabne.mNashrewards Car: 1-800-228-3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.raoifalone.mnJdisputes. Rewards Summary Previous available balance: $11.96 Earned this period: $0.00 (reflects traresidors posted during this billing cycle) Available Balance: $11.96 Payments, Credits & Adjustments 1 06 DEC CAPITAL ONE ONLINE ACH PA AuthDate 06-D EC $17.4P 2 04 DEC PAST DUE FEE $15.00 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. 6056 506 1 07 9 071210 PAGE 1 of 1 01D16C56 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE New Balance Minimum Payment Due Date $0.00 $0.00 Jan. 04, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ? J 0 4003442622090705 09 0000000017400000003 Capital One Bank P.O. Box 70884 IIIlrnllrrrllrrrrlrrll Charlotte, NC 28272-0884 IrrLilrrLrrLllrrrlrrLllirrrLrLlrJrrlrrlLr6nlrrllrrrll Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone #9034575563686510# MAIL ID NUMBER SHANNON E LAKE 5116 RAVENYOOD RD nECHANICSBURG, PA 17055-4836 .011111111 11111111 11 1. 11. 11 IM sell 111 ... L. Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. T a. Grace Period. You will have a mninnum grace period of 25 days without finance charge on new purchases, new balance transfers, new special purchases and new other charges l you pay your total 'New Balance', in aaadwr Cain the knportaM Notice fa payments below, and in time for it to be credited by your payment due date. Them is no grace, period on cash advances and special transfers. In addition, time is no grace period on any transaction ri you do not pay the total 'New balance.' b. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the dale of the transaction a 2) from the dale the transaction is processed to your Account or 3) from the first Calendar day of the current bilkg period. Additionally, if you dill nor pay the 'New Balance' from the previous billing period in full, finance charges Caron.. to accrue to your unpaid balance untl the unpaid balance is paid in full. This means that you may 691 owe finance charges, even l you pay me entire New Balance indicated on the hen of your statement by the payment due data, but did not do so for the previous month. Unpaid finance charges arc added to me applicable segment of your Account. t c. Minkmrm Finance Charge. For each biting period that your account is subject 0 a finance chage, a minmum total FINANCE CHARGE of $0.50 will be imposed. T d. Temporary Reduction in Finance Charge. We reserve the right to not assess any or al finance charges for any given billing period. 2. Average Daily Balance (Including New Purchases). Finance charge a Calculated by multiplying the dairy balance of each segment of your account (e. g., cash advance, purchase, special trader, and special purchase) by 11- Corresponding daily periodic roe(s) that has been previously disclosed to you. AI the end of each day during the baling period, we apply the daily periodic rate for each segment of your account to the daily balance of each segment. Than at the and of the billing period, we add up the results of these dairy calculations to arrive at your periodic fiance, charge for each segnam, We add up the results from each segment to arrive an the toed periodic finance Charge for your account. To gas the daily balance for each segment of your -L we lake the bagnning balance for each segment and add any nave transactions and any periodic finance charge calculated On the previous day's balance for that segment. We than subnrad any payments or credits posted as of met day that are allocated to then segment. This gives us the separate daily balance for each segment of your account. However. N you paid the New Balance shown on your previous statement in full (a If your new balance was zoo a a Credit amount), new, ttransactions, which post to your purchase a special purchase segments we not added to the dairy balances. We Calculate the average day balance by adding all the daily balaince , together and dividing the sum by the number of the days in the current billing cycle. To calculate your total firance charge, multiply your average daily balance by the daily per adc rate and by the number of days in the billing period. Due to rounding on a daily basis a due to minimum finance charge sesesament, mere may be a whance between this calculation end the mount of finance charge actually assessed. 3. Annual Perunuga Rates (APft a. The term "Annual Percentage Rate" may appear as *APR` an the front of this statement. b. If the code P (Quarterly Prime), L (Quarterly LIBOR), C (Quarterly CO), a S (Bsikcard Prime) appears an the front of this statement next to the periodic rate(s), the periodic rates and corespondng ANNUAL PERCENTAGE RATES may vary quart and may Increases or decrease based on the stated indices, as Wind in The Wall Street Journal, plus the margin previously disclosed 10 you. These Charges will be effective on he first day of your billing padpd covered by your periods : statement ending in the months of January, April, July and October. c If the code D (Monthly Prime), F (Monthly LIBOR), a G (Treasury LIBOR) appears on the from of your statement ned to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very monthly and may increase or decrease based a the stated indices, as found In The Wall Street J"nal. plus the margin previously disclosed to you. Thane changes wit be effective on the first day of your billing period each month . 4. Aaeessment of Late, OverMmit and Returned Pry-tint Fee.. Under the terms of your Unstomer agreerrnern, vw: rasarve the right 0 waive a not to assess any fees without prior notificationtoyou without walvngour dghtto assess the timilarfees at a latertime. T 5. Renewing Your Account if a membership fee appears on the front of your statement you have 30 days from the date this statement was nailed to you to avoid paying ma ice or to have such fee credited to you 8 you Cancel your accoun without having to pay the membership fee. To cancel your account, you must nobly us by calling our Customer Relations Department and pay your 'New Balance' In full (excluding the membership fee) prior to the and ads thinyday period. 6. H You Close Your Account. You Can request to close your account by Calling our Customer Relations Department- YOU must destroy your credit Card(s) and accamt access docks, Cancel all preauthonzed billing and curse using your account. After your request to close, m you continue to transact a eto not cancel praauthorized billing artangemenN, we will consider receip of a change your authabortlon m keep your account open. Additionally, your accountwill not be dosed until you pay all amounts you owe us induci ft: any mwwscboms you have authorized, finance changes, past due fees, mwhmit ises, ratumed payment fees, Cash advance fees and any other fees assessed to your account. You are responsible for these amounts whether they appear on your accoul at the time you request to dose the account a they am incurred subsequent to your request to dose me accdra. This nay result In Barges appearing on your acraurht agar you have requested the account to be dosed. 7. Using Yaw Account Your Card or account cannot be used in Connection with any Internet gambling transactions. 8. Nodes About Electronic Check Conversion. When you provide a check as payment, you authorize us ether to use information tram your check to make a she-bone electronic fund transfer tram your bank account o to process the payment as a check transaction. When we use hfonn alien ham your Check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financcial institution . BILLING RIGHTS SUMMARY (In Case of Enos a Questions about Your Bill) If you mink your bill is wrong, a l you need more information on a transaction a bill, write to us on a separate sheet re soon as possible at the address for inquiries shown on the front of this statement. We must hear from you no later man 60 days aka we sent you the that bill al which the error or problem appeared. You can mil our Customer Radiations number, but doing s, will not preserve your rights. In your letter, give us the folovnnp Information: your name and account number, the dollar amount of the suspected error, a description of the error and an explanation, it possible- of why you believe them is an era: or d you need more information, a description of the item you am unsae about. You do not have to pay any amount in question while we, am investigating n, but you are still obligated to pay the parts of your bill that am not in question. While we investigate your question, we cannot report you as ddinquen a take any action to collect the amount you question. S. T Special Rule for Credit Card Purchases If you have a problem with the quality of properly Of sevices that you purchased with a credit card and you have hied in good faith to Coned the problem with the merchant you may have the right not to pay the remaining amount due on the property a services. You have this protection only when the purchase price me mom than 650.00 and the purchase was made in your home stale a within 100 miles of your mailing address. (If we own or operate the merchant, a if we malted you the advertisement for the property or services, all Purchases are covered regardless of amount or location of purchase.) please remember to sign all corespondence. T Does not apply to consumer non-Crade card accounts Does nor apply to business non-credit Card accounts Capital One supports information privacy protection: see our webslte al warn caoitalone corn. Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved. 0 2006 Capital One 01 DM6056 - 1 - 04110107 Important MOtICa: Payments you mea to m ad Ea cretitd 0 ymr aooant ea of the OuWm day we teuire d, pno i000 (1) you saw the hohan Pont. d des sUrertmnt end your c-k in Me enrbaed mmittmin envelope arW (2) you payment is racai n our X-asing Gaoler by 3 p.m. ET (12 ram PT). Plow aema al kml We (5) drsinab days tar postal delivery. Paymem r teceived by us M any odw lo l n or in any dhar form may M be nodded as of Me day are weinme 0- Ox ousmm days are Monday Mmugh Saaaday, escludi g Toadays. Please do - use sUoles, paper tips, et. when preparing your paymem. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $0.00 - $53.00 + $0.00 + $860.51 = $807.51 $57.51 Feb. 04, 2008 Dec. 11, 2007 - Jan. 09, 2008 Page 1 of 1 Visa Platinum Account 400344262209.0705 Your Account Information TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $0.00 r Finance Charges (Please see reverse for important infomtati Balance rate Periodic ConWonding FINANCE applied to rate APR CHARGE Purchases $0.00 0.04082% P 14.90% $0.00 Cash $0.00 0.05477% P 19.99% $0.00 ANNUAL PERCENTAGE RATE applied this period: 0.00% At Your Service 14&9557070Your Service 14EOO 9557070 To cal Custortrer Relations a to report a lost a stolen card: Send payments to: Capital One Bank P.O. Box 70884 Charlotte, NC 28272-OM Send Inquiries to: Capital One PO. Box 30285 Sal Lake City, UT 84130-0285 For more Information on your Rewards: Visit www.capitahne.oomicashrewaNs Cal: 1-NO-228-3001 Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.ranitalone.coMdi tes. Rewards Summary Previous available balance: $11.96 Earned this period: $8.57 (reflects trareactora posted during this telling cycle) Available Balance: $20.53 Payments, Credits & Adjustments 1 29 DEC BLEACHER BUMS CAMP HILL PA $53.00- Transactions 2 17 DEC BJ WHOLESALE 0025 WOX HARRISBURG PA $432.45 3 17 DEC TOYS R US #8315 CAMP HILL PA $123.98 4 23 DEC THE SHOE DEPT D443 CAMP HILL PA $54.97 5 23 DEC GERTRUDE HAWK CHOC #15 HARRISBURG PA $30.00 6 23 DEC BLEACHER BUMS CAMP HILL PA $53.00 7 23 DEC BLEACHER BUMS HARRISBURG PA $38.16 8 31 DEC KARNS QUALITY FOOD MECHANICSBURG PA $88.95 9 09 JAN OVERLIMIT FEE JAN 02, 2008 $39.00 6056 5C6 1 07 9 c8c, 09 PAGE 1 of 2 Ol DM6056 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPiTALONE.COM TO MAKE YOUR PAYMENT ONLINE New Balance Minimum Payment Due Date $807.51 $57.51 Feb. 04, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ? J 0 4003442622090705 09 0807510017400057516 Capital One Bank P.O. Box 70884 1111111111.11111111111 Charlotte, NC 28272-0684 1e11111.L.11.11.1.119L111.e1.11,1111eL11L.11.1.11L.111 Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone E-mail address @ #9001075563686510# MAIL ID NUMBER SHANNON E LAKE 5336 RAVENYOOD RD MECHANICSBURG, PA 37055-4836 11111119.11.1.11.1811111114191 I1.d1M.1I1111HJ.. Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. 1. Now to Avoid a Finance Charge. t e. Grace Period. You coil have a minimum grace period of 25 days without fiance charge on new purchases, new balance transfers, new special purdases and new other charges If you pay your total "New Balance', in ...orlon,, with the Important Notice for payments below, and in time for it to be credited by your payment due date. There is no grace period on cash advances and special bansfers. In addition, there is no grace period on any transaction if you do not pay the total 'New balance.' b. Accruing Finance Charge. Transactions which are rot subject to a grace period are assessed finance charge 1) from the date of the transaction or 2) from the date the transsceon is processed to your Account or 3) from the firm calendar day of the current billing period. Additionally If you did nor pay the "New, Balance' from the previous filling period in flat finer" dirges continue to accrue to your unpaid balance until the unpaid balance is paid in tug. This means that you may still owe fin mm, charges, even M you pay the entire New Be.- lindicated on the front of your statement by the payment due date, but did not do so for the previous month. Unpaid finance charges are added to the applicable segment of your Account. t c. Minimum Finance Charge. For each Ngkig period that your account is subject to a finance charge, a minimum total FINANCE CHARGE of $0.50 will be imposed. t d. Temporary Reduction in Finance Charge. We reserve the right to not assess any or all finance charges for any given billing period. 2. Average Daily Balance Qndudirg New Purchases). Finance charge is calculated by multiplying the day balance of each segment of your account (e.g., cash advance, purchases, special bander. and special purchase) by the corresponding day periodic rate(s) that has been previously disclosed to you. At the and of each day during the billing period, we apply the daily periodic rate for each segment of your account to the daily balance of each segment. Than re the and of the bilking period, we add up the results of these dairy calculations to arrive at your periodic finance charge for each segment We add up the results from each segment to arrive at the total periodic finance charge for your accent To get the daily balance for each segment of your account, we take the beginning balance for each segment and add any new bernechons, and any periodic finance charge calculated on the previous day's balance for men segment We then subtract any peyr-me or credits posted as of that day that are allocated to that segment This gives us me sepemle, daily beince for each segment of Your account However, 6 you paid the New Balance shown on your previous statement in full (or If your new balance was or a credit amount), new transactions, which post to your purchase or special purchase segments are not added o the daily balances. We calculate the average dairy balance by adding all the daily balances together and dMdng the sum by the number of the days In the current billing cycle. To calculate your total finance charge, multiply your average daily balance by the daily periodic rate and by the number of days in the biting period. Due to rouMkg on a daily basis or due to minimum finance charge assessment there may be a vadance between this calculation and the mount of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear as "APR' on the front of this statement, b. If the .its P (Ouartedy Prime), L (Quarterly LIBOR), C (Quarterly CD), or S (Bankcard Prime) appears on the front of this statement neM to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the stated indioes, as found in The Wall Street Journal, plus the margin previously disclosed b you. These changes will be effective on the first day of your bigkg period covered by your periodic statement ending In die months of January, April, July and October. c. If the code D (Monthly Prime), F (MontNy LIBOR), or G (Treasury LIBOR) appears on the front of your statement neM to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated indices, as found in The Wall Street Journal, plus the margin preWOUSy disclosed to you. These changes will be effective on the first day of your billing period each month. 4. Aasessmeat of Lela, OverltmR and Ratumad Payment Fees. Under the tens of your customer agreerriml, we reserve the right to weive or not to assese any fees without prior notification toyou without waving our right to assess tiro sumne or similerfees at a latertime. t 5. Renewing YourAccourd. U a membership fee appears on the front of your statement you have 30 days from the date this atonement was mailed to you o avid paying the fee or to have such fee credited to you if you cancel your amount withal having to pay the membership fee. To al your account you mud notify us by "ling our Customer Relationu Department and pay your 'New, Balance in full (excluding the membership fee) prior to the and of the thirty-day period. 6. B You Goss Your Amount. You can request to dose your account by calling our Customer Relations Department. You must destroy your credit cam(s) and account access checks, cancal all preauthorized billing and cease using your account. After your request to close, d you continue to transact or do not cancel preauthorbed biFng arrangements, we will consider recelpl of a charge your aut odzeti n to keep your account open. Additionally, your acoount will not be dosed until you pay all amounts you owe us inducting: any transactions you have authorized, thence charges, past due fees, ovedmk fees, returned payment fees, cash advance fees and any other fees assessed to your account. You are responsible for these amounts whether they appear on your accent at the time you request to dose the account or they are incurred subsequent to your request to dose the account. This may nal in charges appearing on your account after you have requested the axoont to be dosed. 7. Using Your Account Your cam or account cannot be used in connection with any Internet gambling transactions. 8. Noll" About Electronic Check Conversion. When you provide a crock as payment you authorize us either to use information from your check to make a one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use Information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. BILLING RIGHTS SUMMARY (in Case of Errors or questions about Your Bill) If you think your bill is wrong, or If you need more information on a transaction or oil, wine to us on a separate sheet as soon as possible at the address for inquiries shown on the front of this statement We must hear from you no Wier than 60 days after we sent you the first NII on which the error or problem appeared. You can call our Customer Relations number, but doing so will not preserve your rights. In your latter, give us the following Information: your name and account number, the dollar amount of the suspected error, a description of the .nor and an explanation, g possible, of why you believe there is an earl or 0 you need more infomteoon, a description of the item you are unsure about. You do not have to pay any amount in question while we are investigating It, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to coiled the amount you question, t. t Special Rule for Credit Card Purchases if you have a problem with the quality of Property or services that you purchased with a credit rant and you have tried in good faith to tarred the problem with the merchant, you may hove the right not to pay the remaining amount die on the property or services. You have this protection ony when the purchase price was more then $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the merchant, or it we marked you the advertisement for the property or cervices, all purchases are covered regardless of amount or location of purchase.) Please remember to sign all correspondence. t Does not apply to consumer non-credit cam accounts t Does not apply to business noncredit cam accounts Capital One supports information privacy protection: see our website at www.caphellone.com. Capital One is a federally registered service mad of Capital One Financial Corporation- As rights reserved. ® 2006 Capital One 01 DM6056 - 1 - 04110/07 kaporbnt Make- Payments you mat m w we be aeabd lo your aawnt as of the ousileaa day m receive it, pr..d d (1) you rnd the tocttan oerfon Of thre aatemea and your daCk In the etrobaed mniaenn weep! arts (2) yae payment Is reoII ad m nu pmcering Center by 3 p. m. ET (12 noon PT). Please Glow at tart five (S) hrmer says tar postal wry. Payments received by us in any.6. lontion or in any dher form may trot be credeed as of be day -I ban. Ou tanerees days are Monday haough saautlay. eanttding t.k bys. Please m na ur insoles, paper c[pa, et. when crepe.() your pryme n. SHANNON E LAKE 5116 RAVENWOOD RD MECHANICSBURG, PA 17055-4836 SHANNO I D Use by February 29, 2008 Ill1252Wl 1: 25607270 i,:7 50 26 2 2090 70 51I, 6056 5C6 1 C7 9 CEC".09 PAGE 2 of 2 OlDM6056 Dear SHANNON E LAKE, February 29, 2008 SHANNON ELAKE 5v6 RAVENWOOD RD MECHANICSBURG, PA 17055-4836 VOID by February 29, 2008. Don't delay. Use them right away! Use by February 29, 2008 12527 09906-01 09906 12528 09906-01 ,,,I25Hill, i:25607270ii:7 50 2F. 2 20 90 70 511¦ 6.03% APR' 500085 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Home Loan, and most of your options will have a similar rate. But here are some of the ways that Capital One' Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • No-hassle loan process No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2607 or visit www.capitalonehomeloans.com Mon.-Fri. 8am-8pm; Sat. 10am-1 pm EST Reservation Number: 5028 041 047 7246 Advertised annual percentage raze is effecdw as of 12111/2007 and subject to change at any time. APR is based on good aodit history, $200,000 loan amount 80% combined 121 • loan-to-value ratio and a 30-year fixed-rate first-lien mortgage. Monthly payment for this example is $1.203. Additional terms and rectricrions apply. C'Pow 12 (-apital One is an Equal Housing Lendu. Sce rc = for addidoml important information. ? , LENDER Home Equity Loans I Mortgages I Refinancing I Debt Consolidation FINANCE Previous Balance Payments B Credits CHARGE Transactions New Balance Minimum Payment Due Date 1? 1 $807.51 - $57.51 + $9.60 + $39.00 = $798.60 $48.60 Mar. 05, 2008 J an. 10, 2008 - Feb. 09, 2008 Page 1 of 1 e ! V'Isa Platinum Account 40034426.2208-0705 ? Your Account Information ?- REWARDS TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $0.00 Finance Charges (Please see reverse for important information ) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $758.36 0.04082% P 14.90% $9.60 Cash $0.00 0.05477% P 1999% $0.00 \,ANNUAL PERCENTAGE RATE applied this perlod: 14.90%. J 0 At Your Service 1.900.055.7070 To cal Customer Regions or to report a bst or stolen cad 0 Send payments to: Capital One Bank • P 0. Box 70884 - CherbIta, NC 28272-M A Send Inquiries to: Capital One, P.O. Box 30285 - Set Lake City, UT 84130-0285 Cal 1-800-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.caoitalone.com/disputes .•a. PLEASE FAY AT (FAST THIS AMOUNT Rewards Summary Previous available balance' $20.53 Earned this period: $0.00 (reflects transactions posted during this biting cycle) Available Balance: $20.53 Payments, Credits & Adjustments 1 12 JAN CAPITAL ONE ONLINE ACH PA AuthDate 12-J AN S57.51- Transactions 2 09 FEB OVERLIMIT FEE FEB 09, 2008 $3900 Capital One Hare Loans offers a variety of no hassle home ban products, including first mortgages, refinance and debt consolidation loans, as well as hone equity bans and lines of credit. Our team of experienced professionals understands that your situation is unique so your loan solution should be too. You'll have the one-on-one attention of the same personal loan consultant from call to close Visit www.capitalonehomeloans corn for more information. Capital One is an Equal Housing Lender. < PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4003442622090705 09 0798600057510048604 CWi WGW I what's in your wallet?* New Balance Minimum Payment Due Date $798.60 $48.60 Mar. 05, 2008 i?_ J? J PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ? J Capital One Bank P.0• Box 70884 InI111111111I11111n In1 Charlotte. NC 28272-0884 IEII1IIn11,11111n11n11111nr111111111111n11nlulnllnlll Q For More Information on your Rewards r Visit: wwn.cepitahne.mMceshewads Account Number. 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Address Home Phox Ahemate Phone #90041755636865150 MAIL ID NUMBER SHANNON E LAKE 5116 RAVENWOOD RD MECHANICS BURG, PA 17055-4836 u11IIn1IIlunlllnlr 1111111111 111111111111111 11111 It III I Please write your account number on your check or money order made payable to Capital One Bank and mail with this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $370 per month' t Lower average monthly payment claim based on first month's payment on non-purchase loans, exclusive of closing costs, that closed between 04/01/07 and 09130/07. Actual lower payment may vary. In some cases, refinancing to payoff existing debt may extend the term of the debt, possibly resulting in higher overall costs. Offer intended for qualified applicants only. Not all loan products or terms are available in all states. The actual closing times may varybased upon the state in which the property is located. Loans subject to credit approval. This does not represent an offer to enter into a loan agreement. Rates and terms subject to change without notice. ® 2008 Cap iwl Ow Smmicei, Imc. Gpital One ii a federa4 regunered rmnee mark. All righm reserved. Home Equity Loans I Mortgages ( Refinancing Debt Consolidation 1. How to Avoid a Finance Charge. t a. Grew Per1od You will have a minimum grace period of 25 days without finance charge on new purchases, new balance transfers, new special purchases and new other charges a you pay your total "New Balance", in accordance with the important Notice for payments below, and in time for it to be credited by your next statement closing date. Them is no grace period on cash advances and special transfers. In addition, them Is no grace period on any transaction a you do not pay the total "New belanoe" b. Accrukq Fsratae Charge. Transaction which am not subject to a grace period am amassed dance charge 1) from the date of the transaction or 2) from the data the tranuc ion Is processed to your Account or 3) from the first calendar day of the current billing period. Additionally, a you did not pay the "New Balance" tram the previous filling period in full, nnence charges continue to Seem to your unpaid balance unfit the unpaid balance Is paid In full. This mans that you may still owe finance charges, even if you pay the entire New Balance indles ed on the front of your un"' M by the nett statertmm closing date, but did not do ac for the pravbus month. Unpaid prance charges am added to the applicable segment of your Account. t C. Minimum Firm- Charge. For itch bluing period that your account Is subject to a chance charge, a minimum total FINANCE CHARGE of $0.50 will be imposed. It the total finance charge suiting from the application Of your periodic mate(s) is less then $0.50, we will subtract that amount from the $0.50 minimum and the difference will be blued to the purchase segment of your account . t d. Temporary Reduction In Finance Charge.We reserve the right to not assess any or all finance charges for any given billing period. 2. Average Daily Balance pndudktg Plans Purchases). Finance charge is calculated by mualplylllg the dally balance of ach segment of yew account (e.g., Cash advance, purchase, special transfer. MCI special Purchase) by the corresponding dally periodic rate(s) that has been previously disclosed to you. Al the and of each day during the billing period, we apply the daily periodic rate fee each segment of your account to Via deity balance of each segment, Then at the and of the titling period, we add up the results of thecae daily calculations to arrive at your periodic Manes charge for itch segment. We add up the results from each segment to arrive at the total periodic finance charge for your account. To get the defy balance for itch segment of your account, we take the beginning balance for each segment and add any new transactions and my periodic finsrce charge calculated on the previous day's balance for that segment. We than subtract any payments ot cmdla posted as of that day that am allocated to that segment. Tms gives a the separate daily balance for own segment of your account. However, a you paid the New Balance shown on your previous statement in full (a If your new balance uses zero a a credit amount). new transactions , which post to your purchase or special purchase segments am not added to the daily balances. We calculate the overall. aiy balance by adding all the aiy balances together and dividing the sum by the number of the days in the current billing cycle. To calculate your total finance charge, muaipy your average ally balance by the daly periodic rate and by the number of days in the billing period. Due to rotntling on a dairy basis, there my be a slight variance between this calcuiabon and the amount of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The tern'Annusl Percentage Rate" may appear as "APR" on the here of this Statement. b. a the code P (Own" Prime), L (Quartets LIBOR), C (Quarterly CD), or S (Bankcard Prime) appears on the front of the statement next to the periodic rate(s). the periodic rata and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease timed on the stated Indices, as found in The Wall Sleet Joumal, plus the margin previously disclosed to you. These changes will be effective on the find day of your billing period covered by your periodic StatertmM ending In the months of January, April, July and October. C. If the code D (Monthly Pdme), F (Monthly LIBOR), or G (Treasury UBOR) appare on the from of your statement not to the periodic rate(s), the periodic rata and Corresponding ANNUAL PERCENTAGE RATES may vary monthly and may increase or decrease based on the stated indices, a found in The Well Street JOUmat, plus the Mrgln previously disclosed to yW. These change win be effective on the first day of your billing period each month. d. Aaessm ni of Late, Ovemmlt and Returned Payment Fees. Your account wilt be aseaed no mom than three of the two listed ham that Occur during any billing period. Under the terns of your customer agreement. we reserve the night to waive or not to ands any fees without prix notification to you without waiving our right to sums the Game a similar fan at a later gyre. t S. Remaining Your Aomunt. If a membership fse appears on the front of your still~, you have 30 days from the date this statement vies mailed to you to word paying the fee a to have such fee Credited to you if you cancel your account without having to pay the membership fa. To Cancel your account, you must matlty, us by calling our Customer Relations Department and pay your -New Balance' In heal (excluding the memherahlp fair) prior to the end of the thirty-they period. a. If You Cities Your Atoount. You can request to close your soaum by calling our Customer Relations Department. You must destroy your credit card(s) and account acre t checks, cancel all preeUthcdzed billing and Came using your account. After your request to close, it you mane to transact or do not cancel preeutho lzed billing mengemellts, we will Consider receipt of a charge your authodzatbn to keep your account open. Additionally, your account will not be closed until you pay all amounts you caw us Indutling: any transactions you have authorized, finance charges, past due hem, ovrlimit fees. returned payment fen, cash advance fees and any other fees amud to your account. You am responsible fee these amouma whethMthBy appear on your anent at the time you request to else the account or they am incurred subsequent to your request to close the account. This may result in charges appearing on your account after you have requested the account to be closed. 7. Using Your Account. Your card a account cannot be used in Connection with any Internet gambling transaclions. 8. Notice Mold Electronic Check Conversion When you provide a check as Payment, you authorize us either to use information fromi your check to make a one-time electronic fund transfer from your bank account or to process the payment as a check trensectlon. When we use Infomretbn from your check to make an electron: fund transfer, funds may be withdrawn from your bank account as soon as the same dry we receive your payment, and you will not receive your check back from your financial institution. BELLING RIGHTS SUMMARY an Case of Entire or Ouesfions about Your Bill) If you mink your bill is wrong, a it you need room information On a transaction or bill, write to us on a separate sheet as soon as possible at the address for inquiries shown On the front of this statement. We must hear fen you no later then dg [lays alter we sent you the that NII on which the Ma or problem appeared. You can call our Customer Relations number, but doing so will not preserve your rights. In your letter, give us the following intarMron: your name and account number, the dollar amount of the suspected Mon, a description of the ens and an explanation, If possible, of why you believe them is an error, or if you need mom information, a description of the item you are unsure about. You do not have to pay any amount in question while we am Investigating it, but you am still obligated to pay the parts of your bill that am not In question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. I. t special Rua for Credit Cam Purchases If you hew a problem with the quality of property or services that yid pumhaedwith a cmdfi rim and yid have tried in good leash to correct" problem with the merchant. you nay have the right not to pay the remaining amount due on the property or services. You have this protection only when the purchase price was them than $50.00 and the pumhme was made In your home sea or within 100 Miss of your matting address. (If we awn or operate the merchant, a a we mailed you the advMaemem for the property or services. all purchases am covered regardless of amount a location of purchase) Please remember to sign all correspondence. t Does not apply to Consurter noncredit cam accounts q Does not apply to business noncredit card accounts Capital Oft supports information privacy protection: sea Wr websae at www.cadtalons cont. Capital One a a federally registered service mark of Capital One Financial Corporation. All rights reserved. 02006 Capital One TC-0B 01 OM6056 -1 -04/10107 knpaaM Nrtan: Paymwaya.malbwvAbsereded byar acmnlw taw hiahew dry rrc reulNe lt. prwide0 (1)ya and tlw bellem Paden Of ass aebnerd wit your des in as sesdosrO fanklenm 6me p snot (2) ym psyment'a refewid r sac pro mg canter by3p.m.Ef(12-Pf). Plww alwvsofs Mal?kudnwr d.7siapwN depway. Paymwsrwetved bYussery Osier lomamah i y rdm lwm may rid bit oeMW ted caw dy we make awn. of baYwes days saMi day lhms* Sasrdey. wasp hossys Pbew do not uw saplw, PROs CIM we etar prig ryas pymem J Q 10 p • 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 1-877-476-7939• J 500023 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $798.60 - $48.60 + $9.72 + $39.00 = $798.72 $23.00 J Apr. 04, 2008 ` J Feb. 10, 2008 - Mar. 10, 2008 Page 1 of 1 visa Platinum Account 40034426.220944 Your Account Information REWARDS TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $0.00 finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $793.61 0.04082% P 14.90% $9.72 Cash 50.00 0.05477% P 1999% $0.00 ,,ANNUAL PERCENTAGE RATE applied this period: 14.90% J At Your Service l4M955.7070 W To cal Customer Relations or to report a lost a stolan card 0 Send payments to: Capital One Bk(USA).NA - P.O. Box 70884 • Charlotte, NC 28272-M A Send Inquiries to: Capital One P 0. Box 302&5 • Set Lake City. UT 84130-0285 Q For More Information on your Rewards: Visit: www.cgitabne.mmkashrewards Cat 1-000-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.caoitalone.com/disoutes KEASE PAY AT LEAST TM AMOUm Rewards Summary Previous available balance: $20.53 Earned this period: $000 (refWs transeclions posted during this bang cycla) Available Balance: $20.53 Payments, Credits & Adiustments 1 05 MAR CAPITAL ONE ONLINE ACH PA AuthDate 05-M AR S48 64 2 10 MAR OVERLIMIT FEE MAR 10, 2006 $39.00 Your account has gone over its credit limit. To avoid additional overlimit fees, please pay enough to bring your balance below your credit limit immediately, and make sure you remain below your credit limit. Please be sure to account for any future purchases, fees, and finance charges. Whether you're in the market for a home equity ben or you're interested in refinancing, Capital One will find a home ban solution to fit your needs. We offer great rates, no hidden fees, and you will receive the one-on-one attention of the same personal loan consultant from call to close. Visit www.capitalonehomeloans.cem for more information. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4003442622090705 09 0798720048600023003 I C?Q. what's in your wallet?* Account Number. 4003-4426-2209-0705 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. \ $798.72 ` $23.00 J Apr. 04, 2008 J PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ? J Capital One Bk(USA),NA P.O. Box 70884 Iritrlilrrrlnirrnlrlri Charlotte. NC 28272-0664 Inlrliuinrltliurlnlrlllurlnirlniulnllnlnlnliurii Home Phone Alternate Phone F-snail aoV&MS 9 #9007175563686512# MAIL ID NUMBER SHANNON E LAKE 5116 It AVENWOOD RD MECHANICSBURG, PA 17055-4836 nrlllnrlilnulnlulnlulnllulnrllnilnnrllrllntln Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. Transferring balances is easy. Here's how: i. Grab copies of your other credit card or loan statements. 2. Then, grab your Capital One balance transfer checks. Write in the amount you'd like to transfer and mail them off. 3. Or, if you don't have checks, call us at 1-877-476-7939 and ask for a balance transfer. We'll walk you through the process step-by-step. 4. Be sure the total of your transfer requests doesn't exceed your available Capital One credit line. 5. Enjoy the time you'll save! 1. How to Avoid a Finance Charge. t a. Grace Period. You will have a minimum grace period of 25 days without finance charge on new purchases. new balance transfer, new special purchases and new other charges H you pay your total "New Balance", in accordance with the Important Notice for payments below, and In time for ft to he credited by your next statement closing date. There Is no glace period on cash advances and special trarsfes. In addition, them is no grace Period on any transaction t you do not pay the total "New belenoe" b. Accruing Finance Charge. Trinsactioas which am not subject to a grace period am assessed finance charge 1) from the date or the transaction or2) from the date the transaction is Processed to your Account or 3) from the first calendar day of the cunem billing period. Additionally, d you did not pay ttre "New aaronce" from the Previous '.. billing period In lull. finance charges continue to accrue to your unpaid balance until the unpaid balance is paid in lull. This means that you may still owe finance charges, even H you pay the entire New Balance indicated m the from of your statement by the next smarter closing date. i but did not do so for the previous month. Unpaid finance charges am added to the applicable segment of your Amount. t c. Minimum Finance Charge. For seen tilling period that your account is subject to a finance, charge, a minimum total FINANCE CHARGE of $0.50 will be imposed . It the cherge asumng from the application d your total fina=[S pededic ) Is lessrthan$0.50, we wig subtract that emourn from the $0.50 minimum and the diffemnce will be billed to the pumhaea segrtam or your account. t d. Temporary Reduction in FkanOe Charge.We reserve the right to not assess any Or all finance charges for any given billing period. 2. Average Daily Balance pncadhg New Purchases). Finance charge is calculated by multiplying the dairy balance or each segment of your account (eg., cash advance, purchase, special transfer, and special purclaae) by the corresponding daily periodic or(s) that has been previously disclosed to you. At the end of each day during the billing Period, we apply the dairy periodic rate for each segmentof your account to the daily balance or each Segment Than at the and of the billing period, we add up the results of these dally calculations to arrive at your periodic finance charge for each segment. We add up the results from each segment to arrive at the total periodic finance charge for your account . To get the dairy balance for each segment of your accoum. we take the beginning balance for each segment and add any new transactions and any periodic Poance charge calculated on the provlous days balance for that segment. We than subtract any payments or credits posted as or that day that am allocated to that segrtent. This gives um the "parole daily balance for each segment of your account. However, t you paid the New Balance shown on your previous am~ in full (or ff your new balance was Zero or a credit amount), new ttemadioes, which past to your Pumhese or special purchase segments am not added to the daily balances. We calculate the average daily balance by adding all the daily balances together and dividing the sum by the number of the days In the current billing cycle. To calculate your total finance charge, multiply your average daily balance by the daily periodic rate and by the number of days In the billing period. Due to rounding on a daily basis, mere may be a slight variance between this calculation and the amount of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The term *Annual Percentage Rate" may appear as "APR" on the from of this stalemem, b. If the code P (Quarterly Prima), L (Quarterly LIBOR), C (Quarterly CO), or S (Bankcard Prime) appear on the front of this statement next to the periodic rte(s), the pedodM mtas and corresponding ANNUAL PERCENTAGE RATES may vary quavery and may Increase or decrease based on the stated Indices, es found in The Wall Street Joumal, plus the margin pr oviousy disclosed to you. These changes will be effective on the first day or your billing period covered by your periodic statement ending in the months or January, April, July and October. c. If the code D (Monthly Prime), F (Monthly UBOR), or G (Treasury LIBOR) appear on the from or your statement next to the periodic rate(s), the periodic term and cormsponiding ANNUAL PERCENTAGE RATES may very monthly and may increase or decrease based on ihe stated Indices. as found in The Wall Street Journal, plus the margin previously disclosed to you. These changes will be effective on the first day of your billing period each month. d. Asse rd or Late, OvermN and Returned Payment Fees. Your account will be assessed no morns than three of the fees listed hem that Occur during any billing Period. Under the terns of your customer agreement. we reserve the right to waive or not to assess any fees without prior nMlBcation to you without "King our right to awns the same or similar fees at a later time. t 5. Renewing Your Account. If a membership fee appear on the from of your statement you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee credited to you If you cancel your account without having to pay the membership lee. To cancel your account you must nosy us by calling our Customer Reiasons Department and pay your-New Balance' in full (excluding the membership fee) Prior to the end or the thirty day period. 8. if You Close Your Account. You can request to close your account by calling our Customer Relation Department. You must destroy your credit car(s) and account access checks, camel all preaufficrized billing and cease using your amount. Mier your request to close, ff you continue to transact or do not cancel preauthorized billing arrangements, we will consider recelpl of a charge your autlortzaton to keep your account open. Additionally. your account will rot be closed until you pay all amounts you owa ua Including: any trersactions you have authorized, finance charges. Past due leas. overtlmll fees. returned payment fees, cash advance lees and any other fees =sassed to your account. You am responsible for these amounts whether they appear on your account al the time you request to close the account or they are Incurred subsequent to your request to close the amount. This may result in charges appearing on your account after you have requested the account to be closed. 7. Using Your Account. Your card or account cannot be used in connection wan any Internet gambling transactions. 8. Notice About Electronic Check Convention When you provide a Check as Payment, you aulllodZa us either to use Infomation from your check to make a one4lme electronic fund trnslerfrom your bank account or to process the payment ea a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your bank account as soon as the same day we receive your payment, and you will not receive your deck back from your financial Institution. BILLING RIGHTS SUMMARY (In Case or Enos or Questions about Your Bill) If you think your bill Is wrong, or 0 you need mom information on a transaction or bill. write to us on a eepemte shah as soon as possible of the address for Inquiries shown at the from of this statement We must hear from you no later than 80 days ahem we sent you the fist bill on which the error Or problem appeared. You can call our Customer Relations number. but doing so will not Preserve your rights. In your letter, give us the following Information: your name and account number, the dollar amount of the suspected smi a description of the error and an explanation, it possible, or why you believe there Is an error, or H you need MM information. a descripion or the Hem you am uasum about. You do not have to pay any amount In question while we am investigeang tt, but you am still obligated to pay the pads or your bill that am not In question. While we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. _, t Special Rule for Credit Cam Purchases If you have a pmblem with the quality of property or services that you purchased with a credit cad end you have tried In good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Property or services. You have this protection Only when the purchase price was more then $50.00 and the purchase was made in your home stale or within 100 nsss or your milling address. Of we own cr operas the merchem, or If we mailed you the advertisement for fits popery or services, all purchases am covered regardless or amount or location of purchase.) Please remember to sign all correspondence, t Does not apply to consumer noncredft cam accounts ]: Does not apply to business roncredif card accounts Capital One supports infomation privacy protection: see our welbsbe at www ita,5g,sbne core Capital One is a federally registered service mans of Capital One Financial Corporation. Ail rights reserved. 02008 Capital One TC o8 01 DM6056 -1-04110107 IOPaeot NOam: Pymams you mai to usw be cradled to yes seam of of ft bvess day we receive it, Provided (1) you sad tie bot in portion of ISS a sail and yas diedi in tle rxJSed ranasice move ¦d (2) you palevat a reoeNtl in ax processing Onew by 3 p.m. ET (12 noon PT). Pleas slow r led be (5) lamas drys panel delrey. Porn" leriled by us at ay offer lontian a In ay Ow lam may rat be ceded as of se day ae receive them. 0w bedew d p re Monday thrag h Saturday, arlidrg holders Ptsse do not use, staples, papa dips, Sic when prepakg your prrment . SHANNON ELAKE 5116 RAVENWOOD RD MECHANICSBURG, PA 17055-4836 PayTo The Order Of SHANNON E LAKE VOID Date Use by April30, 2008 Richmond, VA Memo Purchase Check 200363 12531 68-727012560 09908-01 ? I Cardholder Signature ,in L 2S3 Lul 11: 2 S607 270 0:7 SO 26 2 2090705118 Dear SHANNON E LAKE, What makes the attached checks* worth writing? How about no transaction fee for starters. And the same rate you have on purchases. Those two reasons alone are why using these checks is simply using your head. • • Cash In with these checks ...with No Transaction Fee! Enjoy a little extra cash What's in your wallet? If it's a bit light, why not cash these checks? They're extra spending money without the hassle and absolutely not like cash advances that could charge much higher interest rates and hefty cash advance fees. No way. Experience savings and convenience Looking for an easy way to save? How about using the checks to transfer higher-rate credit card and loan balances to your Capital One* account? Or slip them into your wallet for those times when credit cards aren't accepted. You can use them just like personal checks-for car insurance, tuition, gifts-the list goes on. Just be sure the total of your transactions doesn't exceed your available credit line. If you do plan to use the checks, be sure to do it by April 30, 2008. And why shouldn't you reward yourself with a little extra cash? After all, you deserve it. Thanks for your business, P. Taylor Jamison, Director of Accounts P.S. Perfect gift hints: a big screen TV for watching the game or a new wardrobe. Don't forget to use the checks by April 30, 2008. *Please see the reverse for important information about using these checks. SHANNON ELAKE 5116 RAVENWOOD RD MECHANICSBURG, PA 17055-4836 PayTo The Order Of VOID Date Use by Apr#30, 2008 CW Richmond, VA Memo Purchase Check 09908 200363 12532 68-7270/2560 09908-01 SD Cardholder Signature ,ill 2S32o I: 2S60? 27011:7SO 26 2 209O?OS11l 0 D O M Z No M? M F M a o? Om M N T_ Y Z ; D V Z O n 9 D N 2 O V Z H co .{ m C r ? O OF Z C = ur m m r • z M Pkirdwse Chedis Q: What Is the annual percentage rate (APR) for using my checks? A: The same APR you currently enjoy on purchases made with your credit card. That's why it makes sense to cash one for spending money. Q. Is there a transaction fee? A: Nope! There's no fee, no kidding. Q. What can I use my checks for? A: You could save money by transferring higher-interest loans and credit cards to your Capital One account (except from other Capital One accounts). Oryou can cash a check and get extra spending money. Why not deposit one into your checking account to use for anything-contractors, tuition, car insurance or new clothes? It's your choice! Q. Are these checks hassle free? A: Absolutely! They're accepted wherever you'd normally use your personal checks. Plus, you can even use them at places that don't accept credit cards. Or you can cash one. Talk about convenient Balance Transfers Q: Why would I want to transfer balances? A. You could save money! Transferring higher-interest-rate balances to your Capital One card at your current purchase APR and consoli- dating your debt could also save you time, by giving you fewer monthly payments. Q. What kinds of account balances can I transfer? A. Almost any except balances from other Capital One accounts. This includes personal loans, student loans, auto loans, home equity loans and other similar loans. Plus balances from MasterCard' Visa! American Express' Discover* and retail credit cards. Q. How do I transfer balances from other accounts? A. It's easy! lust use the enclosed checks to make payments on your other accounts (up to your available credit line). Or call 1-877-476-7939 to make transfers by phone. Capital One will then place a charge on your credit card account representing each transaction. Purchase Checks: (i) Will be treated as purchases according to the terms and amendments of your Customer Agreement (z) May 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 ifyour 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) Cannot be used by authorized users. And authorized users can- not request transfers. (8) Qualify as using your account. (9) 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. Any trademarks mentioned herein are solely owned by the respective entity. All rights reserved. Capital One has no affiliation with and does not endorse these non-credit card entities or products. 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, charged-off, bankrupt, lost/stolen or closed; our fraud system prevents the offer fulfillment; your account is overlimit; 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. Q 2008 Capital One Services, Inc. Capital One is a frderaUy registered service mark. All rights reserved 0 ao M Z mo D ~ < F M y o-4 O m D W _T Z r D 9 Z O n a ? m z Z mZ -+ m -1 m C OF ZX c= N N M r * Z m Capita Dear SHANNON E LAKE Introducing the new face of Capital One... ..AAA Your credit card company is growing and evolving. To celebrate this exciting era, we're changing our image. Watch for the new face of Capital One' in the coming weeks: • Bright red and blue colors. • Dynamic new logo. • Fresh new look. In addition to our new look, you can now count on us for more financial solutions. Auto loans. Home equity loans. Personal loans-even banking products and services. You'll continue to get great value without the hassle. That promise to you will never change. Thank you for your business. We look forward to serving you for many years to come. Sincerely, P. Taylor Jamison Director of Accounts © 2008 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved Auto Loans I Banking I Credit Cards I Healthcare Finance I Home Loans I Personal Loans I Savings I Small Business Ilk Visit www.capitalone.com to explore all of our No Hassle products and services. Capg were evolving to keep up with you. Capital One Auto Buying'. 5001 makes car-buying easier. Because you're already a Capital One°° customer, you qualify for special, low, No Hassle pricing on a huge selection of new and used cars at exclusive partner dealerships near you. Less time at the dealership, a quick buying process, and a great low price all add up to our No Hassle promise when you buy your next car. Low, No Hassle pricing No negotiating needed Huge inventory of new and used vehicles FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $798.72 -1 _ $23.00 J + $8.58 + $78.00 = $862.30 $25.00 May. 05, 2008 Mar. 11, 2008 -Apr. 09, 2008 Page 1 of 1 r visa Platinum Account 40034426.2200.0705 // Your Account Information C RR EWARDS TOTAL CREDIT LINE $750.00 TOTAL AVAILABLECREDIT $0.00 CREDIT LINE FOR CASH $375.00 \,AVAILABLE CREDIT FOR CASH $0.00 finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $809.09 0.03534% P 12.90% $8.58 Cash $0.00 O.D4929%P 1799% $000 ANNUAL PERCENTAGE RATE applied this period: 12.60% J 0 At Your Service 1.800.955.7070 To cal Customer Relations a to report a bst a stolen cad 0 Send payments to: Capital One Bk(USA), NA - P.O. Box 70884 • Charlotte, NC 28272-0884 A Send Inquiries to: Capital Ow P.O. Box 30285 • Set Lake City, UT 841340285 Q For More Information on your Rewards: ' Visit www.capitabris hrEwards Cat 1-8W228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.cepilalone.com/disputes PLEASE PAY AT LEAST THIS AMOUM Rewards Summary Previous available balance: $20.53 Earned this period: $0.00 (eflecls trarswbons posted during this taring cycle) Available Balance: $20.53 Payments, Credits & Adjustments 1 08 APR CAPITAL ONE ONLINE ACH PA AuthDate 08-A PR S23.00- Transactions 2 04 APR PAST DUE FEE $39.00 3 09 APR OVERLIMIT FEE APR 04, 2008 539 .00 Your account has gone over its credit limit. To avoid additional overlimit fees, please pay enough to bring your balance below your credit limit immediately, and make sure you remain below your credit limit. Please be sure to account for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One Whether you're in the market for a home equity loan or you're interested in refinancing, Capital One will find a home loan solution to fit your needs. We offer great rates, no hidden fees, and you will receive the one-on-one attention of the same personal loan consultant from call to close. Visit www.capitalonehomek)ans.com for more information. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4003442622090705 09 0862300023000025005 capnwc '1e' what's in your wallet?- Account Number: 4003-4426-2209-0705 New Balance Minimum Payment Due Date Please print address or phone number changes below using blue or black ink. $862.30 ( $25.00 May. 05, 2008 Aaeres: PLEASE PAY AT LEAST Home Rhone A7temate Friona THIS AMOUNT r E_ma11 address rig 1 Amount Enclosed ? J Capital One Bk(USA),NA Irlrrlrrr??Ir?rlrllrl? P.O• Box 70884 Charlotte. NC 28272-0884 Inllllulnr?rl?nrlnlrl?lrnlulrlululullnlnlnllnlll #9010175563686517# MAIL ID NUMBER SHANNON E LAKE 5116 RAVENWOOD RD MECHANICSBUR6, PA 17055-4836 url?lurll?nulllu?rln?nllu?nlllullnnrl?E?INIIn Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance CM. t e. Grace Period You vAll nave a rgsmlMmum grace period of 25 days without finance Charge on new purcnases, new balance transfers, new spacial purchases ana new abet Charges n you pay your total "New Balance", In aeconlance with the Important Notice for payments babes, and in time for it to be credited by your nood statement closing date. There is no grace penal an Cash advances and special transfers. In addition. there Is no grace period on any transaction g you do not pay the total "New balance." b. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the date or the transaction m 2) lrom the deft the transaction Is processed to your Account W 3) from the first calendar day of the CumM billing period. Additionally. if you did not pay the -N" 8819OW from the previous billing period in full finance chaw continue to accrue to your Unpaid balance until the unpaid balance in paid in full. This means that you may still ows finance charges, even if you pay the antira New Balance Indicated on the front of your sletement by the nett statement closing date, but did not do so for the previous month. Unpaid finance charges are added to the applicable segment of your Account T C- Mfnbum Finance Charge. For each biking period that your account is subject to a finance charge. a minimum teal FINANCE CHARGE or $0.50 we be Imposed. Ii the total finance charge raeumltq Isom iM applcalbn of your perlodlC roe(s) s less then $0.50, we wig subtract that amount from the $0.50 rrunlmum and the dnrererce will be billed to the purchase segment or your account f it Temporary Reduction In Fiance Chorge.We reserve the right to not amass any or all finance charges for any given billing period. 2. Average Dolly BelenCe Qneludhng New Purchases). Finance charge Is caiculasd by multiplying the dally balance of each segment of your account (e.g., Cash advance, purchase. specie transfer, and special purchase) by the Corresponding daily parodic male) that has bear previiausly disclosed to you . At the and of each day during the billing period, wm apply the dairy periodic rate for each segment of your account to the dairy balance of each segment. Then at the and of the billing period, we add up the results of these dairy wlanMiors to arrive at your periodic finNCe charge for -Ch segment. We add up the results from each segment to arrive at the teal periodic finance charge for your account. To get the daily balance for each segment of your account , we take the beginning balance fa each cement and add any new Immesaiom and any periodic Iftionce charge Calculated an the previous days balance for that segment We than subiraor cry payments or credits posted as of Met day that are allocated to mat cement. This gives us the separate daily balance for each segment of your account. However , n you paid the New Balance shown co your Previous aslarreM In lull (a h your new balance was zem a a credit amount), new transactions, which post to your purohesm or spsael purchase segmans are nor added to the daily balances. We ceoume the average daily balance by adding all the dairy baroness together and dividing the sum by the number or the days In the curets billing cycle. To calculate your total finance charge, multiply your average dally balance by the dairy periodic rate and by the number of days In the bluing period. Due to roundup on a defy basis, there may be a slight variance between this calculation and the amount of finance charge acutely assessed. 3. An nual Percentage Rates (APR). a. TM term `Annual Percentage Rate" may appear as "APR" on the fray of this statement. b. If the code P (Ouartery Prime), L (Quarterly LIBOR), C (Ownary CD), or S (Bankcard Prime) appears an the front of this statement nexl to the periodic rate(s), the periodic raise and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the aimed Indices, as found In The Well Sheet Joumel. Plus the margin previously disclosed to you. These Changes will be effective an the first day of your billing Period Covexea by your periodic statement ending In the months a January. April, Juty and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appeals on the front of your staton*m next to the Periodic rate(s), tM pet is rates and corresponding ANNUAL PERCENTAGE RATES may vary monihty and trey increase d dacraasa based an the stated indices. as found In The Wall Street Journal, plus the margin previously disclosed to you . Time changes will be effective on the first day Of your billing period each month. a. Assessment of Late, Ovanlmk and Returned Payment Fees. Your account will be assessed no then then three or the fees listed here that oauf during any billing period. Undarthe terms of your customer agreement. we reserve the right to waive or not to assess any fees wnheut prior modification to you without waiving our right to assets the acme or slimier rem at a Wer lice. t 5. Renewlrrg Your Account. If a membership fea oppears on the front of your staterteM, you have 30 days from the date this statement was mailed to you to avoid paying the fee or to have such fee Credited to you 0 you cancel your account without having to pay the membership lee. To Cancel your account, you must notify es by calling our Customer Relations Department and pay your "New Balance' in full (excluding the membership lee) prior to the end of the thirty-day period. 6. If YOU Clow Your Account. You can request to close your account by Calling am Customer Relations Department. You must destroy your credit card(s) and account access checks, cancel an prselithorized biithp and cease using your aCcowd. After your request to close, N you Conlin" to transact or do not cancel geauthonied billing arrangements, vie will Conskle masks of a charge your suthmizatlon to keep your account open. Additionally, your account will not be closed until you pay all amounts you Oft Ira Including: any transactions you have authorized finance charges, past due fees, ovedlmit lees. returned payment lees. cash advance fees and any other faro assessed to your account. You am responsible for these amounts whether they appear on your account at the tine you request to close the account or they are Incurred subsequent to yaw request to close the account. This may result In charges appearing an your accoum after you have requested the account to be closed. 7. Using Your Account. Your cant or account cannot be used In cannectlon with any Internet gambling transactions. 8. Zits About Electronic Check Conversion When you pnwlde a check as payment you authorize us either to use information from your check to make a one-time electronic turd transfer from your bank account or to process the payment as a check transaction. When we me Information from your check to make en electronic fund transfer, funds may be withdrawn from your bank account as soon as the Barre day we racelve your payment, and you will not receive your check back from your financial institution. BILLING RIGHTS SUMMARY on Case of Errors or Owsaons abort Your Bill) If you think your bill is wrong, or If you need more Information on a transaction or bill, wnte to us on a separate sheet as soon as possible at the address for inquiries shown on the front of this statement. We must hear from you no later than BD days after we said you the first bill on which the error a problem appeared You can call our Customer Relations number, but doing so will not preserve your rights. In your letter, grim us the following information: your name and account number, the dollar amount or the suspected error, a description of the error and an explanation, u possible. Of why you believe them is an errs, or If you reed norm Information, a description or the nom you are unsure about. You do not have to pay any amoum In question while we are investigating it, but you mom still obligated to pay the pars of your bill that am not In question. While we Investigate your question, we cannot report you as delinquent or take any action to Collect the amours you question. _, t Special Rule for Cretin Card Purchases If You have a problem with the q"Ilty of property or services that you purchased with a cretin cad and you have tried in good faith to Correct the problem with the merchont, you may have the right not to pay the remaining amount due on the property or Servlcea. You have this Protection only when the purchase Once was more then $50.00 and the purchase was meld In your hone stns or within 100 tulles of your meaning address. Of we own or operate the merchant, or 0 we mulled you the advertisertent for the property a servkxs, all purchases am covered regardless of amount or location of purchase.) Please rernernber to sign all Correspondence. t Does not apply to consumer non<redft Card accounts I Lines nor apply to business noncredit card accounts Capnal One supports infomretion privacy protection: see our websne at wwty codsbna corn. Capital One is a federally registered service mant of Capital One Financial Corporation. All rights reserved. 02006 Capita One TC-08 01OM6056-1-04/10107 kapertaM Hahn. payments you mill to r will beandled toyor amass as of it* budner dry we rw&e it praidwit) you fend rim titl potion of ft stimaient and your deed In M enclosed minkti mm*Wand(2) your palmed srambled In air pr-M auras by 3 p.m. ET (12 noon PT). Plesse aim at sea No (5) business dais far postal delver. Pgmens mmived by us at any dhs smaan aft .y other lam may not be-1W r of M dry ww recdve them Dr bueher days me Marley through Saki dsy, mdu3 ig h.IdW. Plane do not re MO. paper dips, atc. Wmn Pepsis your prymem. Capital One Auto Buying. 50°188 makes car-buying easier. Because you're already a Capital One* customer, you qualify for special, low, No Hassle pricing on a huge selection of new and used cars at exclusive partner dealerships near you. Less time at the dealership, a quick buying process, and a great low price all add up to our No Hassle promise when you buy your next car. Low, No Hassle pricing No negotiating needed Huge inventory of new and used vehicles FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $862.30 - $236.58 + $8.00 + $0.00 = $633.72 $19.00 Jun. 03, 2008 Apr. 10, 2008 - May. 09, 2008 Page 1 of 1 visa Platinum Account 4003-44262200-0705 ??,// Your Account Information 0ARREWARDO?SS/e S TOTAL REVOLVING CREDIT LINE $750.00 TOTAL AVAILABLE REVOLVING CREDIT $116.28 CREDIT LINE FOR CASH $375.00 I AVAILABLE CREDIT FOR CASH $116.28 Inance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $754 69 0.03534% P 1290% $8.00 Cash 50.00 0.04929% P 17.99% $0.00 ANNUAL PERCENTAGE RATE applied this period: 12.90% 11 At Your Service 1406955.7070 To cal Customer Relations or to report a lost a stolen card 0 Send payments to: Capital One Bk(USA) NA - P.O. Box 70884 • Chalons, NC 28272-M A Send Inquiries to: Capital OrxY P 0. Box 30285 - Sall Leke Ory, UT 64130.0285 Q For More Information on your Rewards: r Visit:-iiN capi4abne.mmlcashrewads Cat 1-BW-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement a visit www.cag)italone.com/disputes PLEASE PAY AT (FAST TMS AMOUNT Rewards Summary Previous available balance : $2053 Earned this period: $0.00 (reflects transactions posted during this ding cycb) Available Balance: $20.53 Pay ments, Credits & Adiustments _ 1 04 APR LATE PAYMENT FEE ADJUSTME NT $3900- 2 09 APR PURCHASE FINANCE CHARGE A DJUSTMENT $8,58- 3 09 APR OVERLIMIT FEE ADJUSTMENT $39.G0- 4 05 MAY CAPITAL ONE ONLINE ACH PA AuthDate 29-A PR $150 DO- PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPfTALONE.COM TO MAKE YOUR PAYMENT ONLINE. l./w I whaYS In your wallet?' 0 4003442622090705 09 0633720150000019005 New Balance Minimum Payment Due Date $633.72 $19.00 J Jun. 03, 2008 J PLEASE PAYAT LEAST THIS AMOUNT j 1 Amount Enclosed Capital One Bk(USA),NA P.O. Box 70884 Inllrlnrnllr1r[pill lrl Charlotte, NC 26272-0884 LILILrLrrLILIJrrLIILrrIPILIrnIrrLIILPIrrIrrlLrrll Account Number. 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Home Phone A7temate Phone #9013175563686514# MAIL ID NUMBER SHANNON E LAKE 5116 RAVENWOOD RD MECHANI CSBURG, PA 17055-4836 all 1111111111 111 11 111111111111111 11111111111 Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. 1. How to Avoid a Finance Charge. T a. Grata Period You will have a minimum grace period of 25 days without finance charge on new purchase, new balance tremfent, new special purchases and new other charges If you pay your total "New Bakence". in accordance with the Important Notice for payments below, and In time for it to be credited by your next statement closing date. There Is no grace period on cash advances antl special whalers. In addition, More is no grace period on any transacbn if you do not pay the total "New balance." 0 AcmwV Finance Charge. Transactions which are not subject to a grace period are assessed dance charge 1) from the date of the transaction or 2) from the date the transaction is processed to your Account or 3) from the first calendar day of the current billing period. Additionally. If you die not pay the "New Balance" from the Previous billing period in full, finance charges continue to accrue to your unpaid balance until the unpaid balance is paid in full. This meant that you may will owe finance charges, even If you pay the entire New Bela" Indicated on the front of your statement by the ned statement cbaing date, but did not do so for the predous month. Unpaid finance charges are added to the applicable segment of your Account, t c. Minimum FNmance Charge. Fm each billing period that your account Is subject to a finance charge. a hilnimum total FINANCE CHARGE of $0.50 will be Imposed, if the total finance chamga MuMrg hom tlho epplbation of your periodic rate(s) is less 'hen $O. So. we win auarect that amount from the $0.50 minimum and the diReranoe will be billed to the purchase segment of your account. t d. Temporary Reduction In Finance Charge. We reserve the right to not assess any or all finance charges for any given billing period. 2. Average Dally Balance (tnduding New Purchases). 1 Finance charge is Calculated by multiplying the daily balance of each segment of your account (e.g., Cash ad+aros, purchase. special transfer, and special purchase) by the Corresponding day periodic mm(s) that has been prevbusy 11 disclosed to you. At the end of each day during the billing Period, we apply the airy periodic rate for each segment of your account to the dairy balance of each segment. Then at the and of the billing period, we add up the nesuea or these dally cebulatbm to arrive at your periodic finance change tea each negmmt. We edd up the reaups from each aegmeM to arrive at the total periodic finance charge for your account. ?'. To get the daily balance for each segment of your account , we take the beginning balance for each segment and add any new minsacbns and any periodic finanCa charge Calculated on the previous days balance for that segment. We than subtract any payments or credits posted as of the day that am allocated to that segment. The gives Us the . separate dairy beans for each segment of your account However, R YOU Paid the New Balance shown on your previous statement In full (o n your new balance was zero or a credit amount), new transactions, which post to your purchese or special purchase segments are not added to the dairy balances. We Calculate the average daily balance by adding all the daily balances together and dividing the sum by the number of the days in the current billing cycle. To calculate your total finance charge, multiply your average bialy balance try the only periodic rate and by the number of days in the billing period, Due to rounding on a daily bole. there may be a slight variance between this calculation and the amount of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The tens "Annual Percentage Rate" may appear as "APR" on the front of this staterreM. b. If the code P (Quarterly Prime), L (Quarterly LIBOR), C (Own" CD), o S (Bankcam Prime) appeals on the from of this Statement next to the periods: rate(s), the periodic rates and cones pondsng ANNUAL PERCENTAGE RATES may very quarterly and my increase or decrease basso on the stated Indicate, as found in The Wall Street Journal, plus the margin previously disclosed to you. These charge w Ali be effective on the first day of your billing period covered by your periodic statement ending in the months of January, April. July and October. c. If the code D (Monthly Prima), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement nerd to tie periodic rate(s), the periodic: rates and comenpondlrg ANNUAL PERCENTAGE RATES may vary monthly and may Increase or decrease based a the stated Indices, as found in The Wall Street Journal, plus the margin previously disclosed to you. These changes will be affective on the first day of your billing period each month. 4. ASaeesment of Late, Overfills and Returned Payment Fees. Your account will be assessed no, more than three of the fees listed hens that occur during any billing period. Udder the terms of your customer agreement, we remove the right to wane or not to assess any fees without prior notification to you without waning our right to eases the same or similar fees at e later time. t 5. Renewing Your Account. If a membership fee appears on the front of your statemhent, you have 30 days from the date the statement was maead to you to avoid paying the fee or to have such fee credited to you a you cancel your account without having to pay the membership fee. To Cancel your account. you must notify us by Calling our Customer Relations Department and pay your "New Balance in full (excluding the membership fee) prim to the end of the thiry4lay period. 6. 11 You Clow Your Account. You Can request to close your account by ailing Our Customer Relations Departure t. You must destroy, your credit carols) and exOUrd access Checks. Cancel all preauthorized billing end cease using your accurst. After your request to close, it you continue to transact or do not anal Praeuthorized billing arrangements, we will Consider receipt or a charge your authorization to keep your -nil open. Additionally, your account will not be closed until you pay all amounts you eve ue including: any trameaoa you have authorized, finance charges, past due fees, overilmit fees. returned payment fees, cash advence fees and arry other fees assessed to your account. YOU am responsible for these amounts whether they appear on your sctoum at the time you request to close the account or they are Incurred subsequent to your request to does the account. This may result in charges appearing on your account after you have raqueated the account to be closed. 7. Using Your Account. Your card or account canna be used in connection with any Internet gambling trarlsactkms. S. Notice About EMdroni : Check Convention When you provide a check as payment, you authorize us either to use Infurtmtion from your check to make a one-time electronic fund transfer from your bank account or to process the payment as a check transaction. When we use information from your Check to make an electronic fund transfer, funk may be withdrawn from your bank account a BOOM as the Same day we receive your payment, and you will rot rem" your check back from your financial Institution. BILLING RIGHTS SUMMARY (In Came of Emmet or Questions about Your Bap If you think your bill Is wrap, or d you need more information on a IMn$MM o bill, write to us On a separate sheet as soon as possible at the address for Inquiries snows on the front of this statement We mast hear from you no later then rig days after we sent you the that bill on which the error o problem appeared. You ken cell our Custarlar RNatbm numbw, but doing so will not pmeserve your rights. In your WW,, give us the following Infamafim: your name and account number, the dollar amount Of the suspected amor, a descdptbn of the error and an ekplanatbn, it Possible, Of why you believe then Is an error, or if you need more Information, a description of the Rem you are unsure about You do not nave to pay arty amount in question while we are investigating 1, but you ant still obligated to pay the pant of your bill that are not in question. While we Investigate your question, we Canna report you es delinquent or take any action to collect the amount you question. 2. t Spa" Rule for Credit Card Purchases 1 you have a problem with the quality of property or services that you PwMnad With a credit cam and you have tried in good faith to correct the problem With the merchant, you may have the right not to pay fie remaining amount due on the property or aenloes. You have this protection Only when the purchase price was moms then $50.00 and the purchase was metre in your hone stale o within 100 miles of your malfing address. (If we own a operate the merchant, o it we mailed You the edverfis~ for me property o services, ad purchases are covered regardless of amount or location of purchase.) Please remember to sign all Correspomds- t Does not apply to consumer noncredit cam accounts 2 Does not apply to business noncredit cam accounts Capital One supports arlmha ton privacy protection. am our websae at wfYrL1 .ffim. Capital One e e federally registered service mark of Capital One Financial Corporation. All rights reserved. 02006 Capital One TC-05 01 DM6056 - 1 - 04/10107 ImpaWNNoau: Payments you mar buswa beaeaad byar aooard as of theWaeeday weraosive it proiim(1)yau sent tie bolbm portion of the abtmem ant yam dean the errdowd re dW= ernekpe and (2) your pymeMls rerkwd In our proossawk, case by 3 p.m. ET t12 noon PT). Rene doe a lea Me (5) Wawa days for poeal deAwy. Paymena reoeied by to leery Other boson or in I y and ram may nit be aadMe as of fie day we moeive then. Our Walla days tie Monday efampn Sake, eicluiling holidays Pl tie do nit use staples, Wpa ape, tie when prepekp your t yrra t capital It could happen to anyone. Make sure you pay the amount soo?6 what's in your wallet? due on your statement as soon as possible. SHANNON E LAKE Keeping your credit in good standing can do a lot more than you think. WHOOPS! GOOD CREDIT= GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) behind You're IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) by I payment. Waking on your tax stimulus check-and looking for a smart way to use it? Pay off your debt and help bring your Capital One account back to good standing. 2008 Capital One Services, Inc. Capital One is a,kderally registered service mark. All rights reserved FINANCE Previous Balance Payments rD Credits CHARGE $633.72 - $0.00 + $7.08 May. 10, 2008 - Jun. 09, 2008 Page 1 of 1 Visa Platinum Account 40034426-22CM705 (,/ Your Account Information `?? REWARDS TOTAL REVOLVING CREDIT LINE $750.00 TOTAL AVAILABLE REVOLVING CREDIT $70.20 CREDIT LINE FOR CASH $375.00 11AVAILABLE CREDIT FOR CASH $70.20 Fnance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $645.90 0.03534% P 12.90% $7.08 Cash $000 0.04929% P 17.99% $000 ?NNUAL PERCENTAGE RATE applied this period: 12.90% J Alh At Your Service 1400.955-7070 To cal Customer Relations a to report a lost or stolen card 0 Send payments to: Capital One Bc(U5A),NA • P.O. Box 708M • Charbne, NC 28272-M A Send Inquiries to: Capital Ores P 0. Box 30285 • Sal Lake City, UT 841300285 .© For More Information on your Rewards: e Visit. wxw.capitelxeovnkasfrewards Cat 1800.228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalone.corn/disputes Transactions New Balance Minimum Payment Due Date J+? $39.00 $679.80 ` $39.00 J Jul. 04, 2008 J PLEASE PAY AT LEAST THIS AMOUNT 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. Rewards Summary Previous available balance $20.53 Earned this period: $0.00 (reflects ansec8ons posted during this biing cycle) Available Balance: $20.53 Payments, Credits 8 Adjustments Transactions 1 03 JUN PAST DUE FEE $3900 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. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. OW, I what's in your walleV' 0 4003442622090705 09 0679800150000039006 New Balance Minimum Payment Due Date $679.80 $39.00 1 Jul. 04, 2008 PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ? J Capital One Bk(USA),NA P.O. Box 70864 lilt 11111 11111 11111111 Charlotte, NC 26272-0884 III 111111 11111111 It 11111 1111111 111 11111 111 1111111 111 if 1 1111111 Account Number. 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Home Phone Alternate Phone #90162755636865194 MAIL ID NUMBER SHANNON E LAKE 5116 RAVENYOOD RD MECHANIC SBUR,, PA 17055-4836 III 11111111In11111111111111111u1n111n11111111111111a111 Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. 1, How to Avoid s Finance Charge. a. Grace Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance transfers, new, special purchases and new other charges it you pay yourlotel'New Balance", in accordance with the Important Notice for payments below, and in time for it to be credited by your payment due date. Thera is no grace period on cash advances and special tronsters. In addmon, them is no grace period on any transaction a you do not pay the total 'New Balance." b. Accruing Fmenoa Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the date of the tree6ction or 2) from the date to transaction is processed to your Account or 3) from the first calendar day of the current billing period. Additionally, if you did not pay the "New Balance" from the previous billing period in full, finance charges continue to accrue to your unpaid balance until the unpaid balance is paid in full. This means that you may sbit owe fiance charges, even it you pay the errs New Balance Indicated on the from of your statement by to payment due dale, but did not do so forte previous month. Unpaid finance charges are added to the applicable segment of your Account. c. Minimum FYwnce Charge. For each billing period that your account Is subject to a fierce charge, a minimum total FINANCE CHARGE of $0.50 will be Imposed. d. Temporary Reduction in Finance Charges. We reserve the might to not assns any a all finance charges for any given billing period. 2. Average Daily Balance (Including New Purchases). Finance charge Is calculated by multiplying the dally balance of each segment of your account (e.g., cash adverce, purchase, specie( transfer, and special purchase) by the corresponding daily periodic rate(s) that has been previously disclosed to you. At the and of each day during the billing period, we, soppy the dairy periodic rate for each segment of your account to the defy balance of each segment . Than at the end of the billing period, vve add up the resits of ten dairy cacuWions to arrive at your periodic finance charge for each segment. We add up the resue from earn segment to arrive at the total periodic fierce charge for your account To got the doily balance for each segment of your account, we take the beginning balance for each segment and add any new transactions and any periodic: finance charge calculated on the previous days balance for that segment. We than subtract any payments or credits posted as of that day that aka allocated to that segment. This gives us the separate dairy balance for each segment of your account. However, it you paid the New Balance shown on your previous statement In full (or a your new Deane was zero or a credit amount), new transactions, which post to your purchase or special purchase segments are not added to the defy balances. We calculate the average dairy balance by adding all the dairy balances together and dividing the sum by the number of the days in the current billing cycle. To calculate your total finance charge, multiply your average dairy helence by the dairy periodic rate and by the number of days In the billing period. Due to rounding on a daily bass or due to minimum finance Merge asse urnient there may be a "name between this calculation and the amount of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The tarts "Annual Percentage Rate" nay appear as "APR" on the from of this steterrwg. b. 11 the code P (Clow(" Prime), L (Quart" LIBOR), C (Quarterly CD), or S (Bankmrd Prime) appears on to front of this statement next to the periodic rate(s), the periodic; raps and conasponi ing ANNUAL PERCENTAGE RATES may vary quarterly and may Increase or decrease based on the stated Indloas, as found in The Wall Street Journal, plus the margin previously disclosed to you. These changes will be egectne on the first day of your billing period covered by your periods ; statement ending in the mormM of January, April, July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the from of your statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very monthly aid may increase or decrease based om the staled indices. as found In The Wall Street Journal, plus the margin previously dlsckned to you. These changes will be effective on the fine day of your billing period each month. d. Assessment or Let., Overture! and Returned Payment Fen. Under Me terms of your customer agreement , we reserve the right to warm or not to assns any fen Without prior noaficstion to you without waving our right to assns the some or elmtlar fees at a lster line. 5. Membership Fee and Renewing Your Account. If a membership f« appears on this statement, we Wit cmdh the fee If you request to close your account within 30 days of the making of this statement. You may continue to use the account during the 30 day period before your request. If you do not pay all charges owed on this sccoum with in 90 days, or il you use your credit card m account after you request to close, any membership fee previously waived may be reinstated to your account. 6. Closing or Suspending Your Account. You may mqunt that your account be closed by calling or writing our Customer Relations Department. At the time of your request, we will provide you with oddhbral details on closing your account. This may include payment infami loss. If you use your credit card or charges post to your account after you ask us to close your account, we can keep your account open or reopen A. We may close or suspend your account and your right to obtain credit We my do this at any time and for any rsa6 , ern it you am sat In delaua. A suspeelon of your account an be pem simm or temporary. It your account Is closed m suspended, you moral stop using your en dh cam and account. You must also cancel all preauthoriumul billing arrangements to the account. tit wit( not do this for you. If we close or permerwmly susperd your account. you must also destroy ell mdd cards and account access checks. You must still pay all amounts you owe, us on the account , even a they were cheged allsryour accabm is closed or suspended. 7. Making Payments. Payments you mall to us will be credited to your account as of the business day we receive It, provkfad (1) you sae the bottom portion of this statement and your check In the enclosed remmance envelope and (2) your payment is received In our processing comer by 3pm ET (12 noon PT). Please @how at least five (5) business days for postal delivery. Payments received by us at any other location or In any char form may not be credited as of the day cos receive them Our business days are Monday through 8. Notice About Electronic Check Conversion. When you provide a check as payment. You authorize us either to on Information from your check to make a one-time electronic fund transfer from your depose account or to pool the paynam as a check transaction. Whim we use Information from your check to make an eleclmnk fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Your authorization is not limited by the date on the Check. We may resubmit and electronically collect returned payments. 9. Bankruptcy. If you are entitled to bankruptcy protections for your account, this communication is only for Informational purposes. It is not an attempt to collect, assess or recover a debt or calm. Do not send any poymame directly to us without speaking with your bankruptcy attorney or the Bankruptcy Court. If you Went to contact as about your account or your bankruptcy proceeding, please have your attorney contact us. tBILLING RIGHTS SUMMARY (In Case of Error or questions about Your Bill) If you think your bill is Wrong, or If you need more information on a tmeactlon or bill. Write to us on a separate sheet as soon as possible at the address for Inquiries shorn on the front of this statement We must hear from you mo later than nd days after we item you the first bill on which me anon or problem appeared. You can call our Customer Relatbe number or nolity us by small or webee, but doing so will not pmewe your rights. In your lamer, give us the following information: your name and account number, the dollar amount of the suspected error. a description of the error and an explanabon, it possible, of why you believe them Is an error, m it you need more Information. a description of the item you aka unsure about . You do not have to pay any amount in question while WB are investigating R. but you are still obligated to pay the parts of your bill that aka not in question. While we investigate your question, We cannot report you as deinguent or take any action to collect the amount you question. 1 Special Rule for Credit Cam Purchases a you have a problem with the quality of properry or services that you purchased with a credit cam and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay it* remaining amount due on the property or swim. You have this Protection only When the purchase once Was Mn, than $50.00 and the purchase was made in your home state or within 100 roles of your meling address. Of we own or operate tie merchant, or a we mailed you the advertisement for the proper or services. all purchases aka covered regardless of amount or location of purchase.) Please remember to sign all cotrespondenca. 1 Does not apply to business a unrs Capital One supports Information privacy prolection: see our weblike at Capital One warmcaptalons. Is a federally registered service mark of Capital One Financial Corporation. All rights reserved. 02008 Capital One ksporl"Nonce: Painuor u Mal bud be uadad symaatmadsot twbieiawdy wereoeMeit prmdeed(1)ym avid to hobo person of the SMWNM andyaa dad h tlo a60W ramaavemvd*e and (2) ymr payment Is ra" in eu P-sing c.xa br 3 pm. ET (12 nom PTt. Pease atom st less live(s) besaee deys for postal d&wy. Pyrensmosved by us at ay after aselon a b ay rime far ry not b Ceded as of e. dy we n celve lawn. OW buskww days and Mudy savgh Savdy. mddsg holders. Plum do not use staples. paper dps. do when pro ing you wyrsx 6.02% APR* 500205 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Mortgage. And here are some of the ways that Capital One" Home Loans takes out the hassle: • Customized loan amounts from $20,000 to $500,000 • Guaranteed FIXED payments • Personalized Loan Consultant from start to finish No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2493 or visit www.capitalonehomeloans.com Mon.-Fri. 8am-8pm; Sat. 10am-lpm EST Reservation Number: 5078 041 262 7426 Advertised annual percentage rate is effective as of 05/19/2008 and subject to change at any time. APR is based on good credit history, S300,496 loan amount, 80% combined * loan-to-value ratio and a 30-year find-rate first-lien mengg?aggee. Monthly payment for this example is $1,805. Additional terms and restrictions apply. awK Capiral One ism Equal Housing lender. Sec mersc for addirinral important information. LENDER Home Loans I Mortgages I Refinancing I Debt Consolidation Home Escorts FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $679.80 - $679.80 + $3.80 1+? $0.00 1=? $3.80 1 $3.80 Aug. 04, 2008 Jun. 10, 2008 - Jul. 09, 2008 Page 1 of 1 Visa Platinum Account 40034426-2200-0705 ??,// Your Account Information ?-? REWARDS TOTAL REVOLVING CREDIT LINE $750.00 TOTAL AVAILABLE REVOLVING CREDIT $746.20 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $375.00 Inane Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $36527 003466%P 12.65% $180 Cash $0.00 0.04860% P 17.74% $0.00 ?NNUAL PERCENTAGE RATE applied this period: 12.65% J Q At Your Service 1-800.955.7070 To cat Customer Relations a to repot a lost a stolen cad ® Send payments to: Capital One BkfUSA),NA • P.O. Box 70884 • Charlotte, NC 28272-OBU A Send Inquiries to: Capital Ow P.O. Box 30285 • Sat Lake City, UT 84130-0285 .© For More Information on your Rewards: Visit: waw capitebne.corrikestxeaads Car 1-M228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the hack of your statement or visit www.cal)italone.com/chsi)utes RASE FW AT LEAST M AkCLM Rewards Summary Previous available balance : $20,53 Earned this period: $0.00 (raf ecfs traisections posted during this bang cycle) Available Balance: $2053 Payments, Credits i3 Adjustments 1 26 JUN CAPITAL ONE ONLINE ACH PA AuthDate 26-1 UN $67960} Whether you're in the market for a home equity ban or you're interested in refinancing, Capital One will find a home ban solution to fit your needs. We offer great rates, no hidden fees, and you will receive the one-on-one attention of the same personal loan consultant from call to close. Visit www.capitalonehomeWns.com for more information. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPFrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0W' I what's in your wallet?- 0 4003442622090705 09 0003800679800003803 New Balance Minimum Payment Due Date $3.80 $3.80 Aug. 04, 2008 ? JL J'? J PLEASE PAY AT LEAST THIS AMOUNT Amount Enclosed ? J Capital One Bk(USA),NA (111111r111111111111I1 P.O. Box 70884 Charlotte, NC 28272-0884 11113111111111111111If I IIIIIIII[nl111111 1ullnln1u11n111 Account Number. 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Home Ph~ Alternate PYEene Email addrers 9 #9019275563686516# MAIL ID NUMBER SHANNON E LAKE 5116 RAVENWool' RD NECHANICSBURG, PA 17055-4836 nrll1nr111nuIr1u11InInllnln111nllnntl1111n1In Please write your account number on your check or money order made payable to Capital One Bk(USA),NA and mail with this coupon in the enclosed envelope. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $175 per month` • Lower avenge monthly payment claim based on first month's payment on non-purchase loans, exclusive of closing costs. That dosed between 10/01/2007 and 03131/2008. Actual lower payment may vary. Refinancing to payoff existing debt may extend the term of the debt, possibly resulting in higher overall costs and increasing the total amount paid when compared to your current situation. Offer intended for qualified applicants only. Igor all loan products or terms are available in all states. The actual dosing times may vary based upon the state in which the property is located. Loans subjecT co credit approval. This does not represent an offer to enter into a loan agreement. Rates and terms subject to change without notice. Producer and seraira off red by Capital One Home Loans, LLC. 0 2008 Capital One. Caporal One is a fedrmUy rrgirrrrrd mein mark. All ngbu mi-d. Home Loans I Mortgages I Refinancing Debt Consolidation i. Mow To Avoid a ekratet9 UMF90. a. Grace Period. You will have a Minimum grace Period of 25 days without finance charge on new purchases, new balance transfers, new special purchases and new other charges t you pay your total "New Balance", in accordance with the important Notice for payments below, and 0 done for it to be Cradhed by your peyment due date. There is no grew period on cash advances and special transfers. In addMon, there is no grace period on any transaction if you do not pay the total "New Bel nee.' b. ACcri ft Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the date of the transaction or 2) from the date the transaction is processed to your Account or 3) from the first Calendar day tithe currand billing period. Additionally, d you did not pay the "New Balance' from the previous billing perlod in full, finance charges continue to accrue to your unpaid balance until the unpaid balance Is paid in wit. This main that you nay still owe Man charges, .an it you pay the entire New Balance indicated on the frail of your statement by the payment due date, but did rat do so for the previous month. Unpaid chance charges am added to the applicable segment of your Account . c. Minimum Finance Charge. For each billing Period that your sacrum is subject to a chance charge, a minimum total FINANCE CHARGE of $0.50 will be Imposed. d. Temporary Reduction In Finance Charges- We reserve the right to not mama any or all finance charges for any given billing Paned. 2. Average Daly Balance (Including New Purchases). Finance charge Is calculated by multiplying the dally balance of each segment of your account (eg., Cash advance, purchase, special transfer, and spacial purchase) by the Coresponding daily periods; rate(s) that has been previously disclosed to you. At the and of each day dung the billing period, we apply the dairy Periodic rate fa each segment of your account to the daily balance of men segment. Than at the end of the billing period. we add up the results a Ise defy Calculations to arrive at your Periodic finance charge for each segment. We add up the resuas from each segment to arrive at the total Periodic finance charge for your account. To get the dairy bean for each segment of your account, we take the beginning balance for each segment and add any new transactions and any periodic firer charge Calculated on the previous days balance for Met segment. We than subtract any payments or credits Posted as of that day that am allocated io that segmnt. This gives es the separate defy balance for each segment of your account. However, a you paid the New Balance shown on your previous statement in full (or t your new belan weezeroora eredr amunt), new transactions, which post to your Purchase or special purchase segments am not added to the daily balances. We Calculate the average dally balance by addblg all the daily belaneas together and dividing the sum by the number of the days In the current billing cycle. To calculate your total firer charge, mpaply your average dally balance by the deity Periodic rate and by the number of days In the timing period. Due to rounding On a dairy basis or due to minimum firers charge assessment, them may be a variance between this calCalatpon are the amount of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The tens "Annual Percentage Rate' may appear as "APR' on the front of this statement. 0 If the code P (Quarterly Prim), L (Quarterly LIBOR), C (Ouartery CD), or S (Bankearo Prime) appears on the front of this statement next to the Periodic rate(s), the psriodio rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the stated Indices, as found in The Well Street Journal, plus the begin pneviolisy disclosed to you. These changes will be effective on the first day of your billing period covered by your periodic statement ending In the months of January, April, July and October. c. If the coda D (Monthly Prim), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the from of your statement next to the periodic rate(s), the Periodic rates and Corresponding ANNUAL PERCENTAGE RATES may vary monthly and may Incmesa a de reass based on the stated Inds es, as found In The Wall Street Journal, plus the begin previously disclosed to you. These changes will be effective on the first day of your billing period each month. 4. Aseaeernem of Leta, OenMlfri and Returned Payment Fees. Under the teases of your customer agmm-, we mserve the right to waive or not to assess any fees without poor notification to you without waiving our right to assess the same or almilar fees at a later tim- 5. Membership Fee and Ranewag Your Account. If a membership fee appears on this statement 'we will credit the Me ff you request to close your accmim within 30 days of the mailing of This statement. You may continua to use the -m during the 30 day period before your request. B you do not pry ell changes owed w this account with in 90 days, or t you use your cmdh Card or account after you request to close, any membership fee previously waived may be mihetated to your account. e. Closing or Suspending Your Account. You may request that your accourd be closed by Calling or writing Our Customer Relations Department. At the see of your request we will provide you with additional details on closing your account. This may include psymnerd Intomation. 11 you use your credit Cam or Charges post to your account after you it us to close your account we can keep your account open or reopen n. We may close or suspend your account and your 49M to obtain credit We may do this at any time and for any reason. even a you are nor in default. A suspension of your account Can be permanent or temporary . It your account M Closed of Suspended, you must stop using your credit wee and account You must also cancel all prmutberized billing arrangements to the account. We will not do this for you. If we close a parm nsndy suspend your Steel you most also destroy all credit cards and aceoum access checks. You most sell pay all amounts you owe us on the account , even h they were charged after your account is closed or suspended . 7. Mating Payments Payments you mil to us will be credited to your account as of the business day we receive h, provided (1) you sand the broom portion of this star~ and your check In the encased remlttade envelope and (2) Your payment Is received In our processing tamer oy 3pm ET (12 noon PT). Paine allow at least Me (5) bialmas days for postal delivery . Payments received by us at any other location or in any other form may not be credited as of the day we receive them. Our business days am Monday through 9. Notice About ElaGtonk: Chock Conversion. When you provkle a check ea payment, you aualedze us either to use Information from your Cheek to make a one-ante electronic fund transfer from your depose account or to Prows the payment SS a Check transaction. When we use Information from your check to make an electronic fund transfer, funds may be withdrawn from your depose account a soon as the Sam day we receive your payment and you will not receive your check back from your firendal institution. Your authorization Is not limited by the date on the cheek. We may resubmit and electnxnwly collect returned payments. 9. Bankruptcy. If you are entitled to bankruptcy protections for your account, this communication Is only for Informational purposes. It is not an eaempt to collect, assess or recover a debt or claim. Do not send any payments directly to us without speaking with your bankruptcy attorney or the Bankruptcy Court. If you went to contact us about your account or your bankruptcy proceeding, Films have your attorney Contact us. tBILLING RIGHTS SUMMARY (In Case of Emes or Questions about Your Bill) If you think your bill is wrong, or 4 you need Mra information on a trensactlon or bill, write to us on a separate shoat as sow as possible at the address for inquiries shown on the from or this statemm. We most hear from you m later then 80 days after we sent you the first bill on which the error or problem appeared. YOU con Can our Customer Relations number or notify us by ems or websae, but doing so will not preserve your rights. In your What, give us the following Information: your name and account number, the dollar amount of the suspected snor, a description of the error and an explanation, if poeside, or why you believe them is an error, or If you need mom Inforrretion, a description of the item you am unsure about You do not have to pay any amount In question while we are immbgMirg 9, but you am still obligated to pay the pans or your rill that am not in question. While we investigate your question, we Cannot report you as delinquent or take any action to collect the amount you question. t Spada) Rule for Credit Card Purchases If you have a problem with the quality of prop" or Services that you purchased with a credit Cam and you have tried in good faith to corm rt the problem with the mncham. you my have the right not to pay the remaining amount due on the properly or services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 melee of your mlfing address. Qf we own a operate the merchant, or a we mtied you the adverllssmm for the property or services, all purchases am Covered regaiflesa of amount or location of W chess.) please remember to sign alt conesponden. • t Does not apply to business accounts Capital One supports Information privacy protection: sea our webeae at wowcapitalow win Caphal One is a federally registered servos bent of Capital One Financial Corporation. All rights hammed. 02008 Capital one MnpabA Nafce: Payments you anal kris will be m(Me b your actont as of M tsaeass day we moeNe s, provided (1) you text sr button paint of Vis eatamant and your Thick In the sndosed renkMna erwelope and (2) your payment Is realvd In our proesnkg teas by 3 pm. ET (12 nom Pr). Plsse aim al lase be(5)busnes days for psW deNSy. Payments reacted by es Many olnar loafs or In dry finer form may M be eadld s of she day as heave tam. Our business days are Mmdsy ewo gh SOx*, aatkedrg hofdit" Plese do rid ere aapbs, pow dips, sle. when preparing your per ent 6m65% APR* 500205 (We printed this big because we know it matters to you.) APR is obviously a very important factor when looking for a Fixed-Rate Mortgage. And here are some of the ways that Capital One" Home Loans takes out the hassle: • Customized loan amounts up to $1,000,000 • Guaranteed FIXED payments • Personalized Loan Consultant from start to finish No Hassles From Call To Close. Your Personal Home Loan Consultant Will Handle Everything. Call toll free: 1-800-760-2607 or visit www.capitalonehomeloans.com Mon.-Fri. Bann-Bpm; Sat. I Oam-1 pm EST Reservation Number: 5088 041 250 5409 Advertised annual percentage rate is effective as of 06123/2006 and subjecr to change at any time. APR is based on good credit history, 5300,490 loan amount, 80% combined * loan-to-valuc ratio and a 30-year fixed-rate first-lien mortne. Monthly payment for this example is $1,929. Additional terms and re,,triaions apply. EwA ?quaare Capital One is an Equal Housing lender. Ste rrw x for additional important information. LENDER Home Loans I Mortgages I Refinancing I Debt Consolidation ? ,,. me FINANCE Previous Balance Payments Ili Credits CHARGE Transactions New Balance Minimum Payment Due Date / $3.80 / $3.80 1 + $0.00 +? $0.00 $0.00 $0.00 1 Sep. 03, 2008 Jul. 10, 2008 - Aug. 09, 2008 Page 1 of 1 r visa Platinum Account 40034426-7208.0705 QA!!HaS* Your Account Information REWARDS TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $750.00 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $375.00 finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $0.00 0.03466% P 12.65% $0.00 Cash $0.00 0.04860% P 1734% $0.00 \,?ANNUAL PERCENTAGE RATE applied this period: 0.00% J AT-h At Your Service - Go to www.caoitabrte.com to manage your account, a Cat 1-804956-7070 to report a lost or stolen card or speak to Customer Relations ® Pay Online at wativ d rione.com a met your payment to: Capital One Bank (USA), N.A. • P.O. Box 7DS84 • Cherbtle, NC 28272-0884 A Send Inquiries to: Capital One P.O. Box 30285 - Sat Lake City. UT 841340285 PLEASE Fn AT LEAST THIS AMWNT Rewards Summary Previous available balance: $20.53 Earned this period: 50.00 (ref acts trrisec6ats posted during this billing cycle) Available Balance: $20.53 Payments, Credits S Adjustments _ 1 02 AUG CAPITAL ONE ONLINE ACH PA AuthDate 02-A UG $3.80- Manage your Retards online by visiting :Cale 1-80422&3001rawerd, ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement of visit www.capitalone.com/cisputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 4003442622090705 09 0000000003800000000 CROWOne' what's in your wallet?* New Balance Minimum Payment Due Date $0.00 $0.00 1 /Sep. 03, 2008 PLEASE PAY AT LEAST THIS AMOUNT i 1 Amount Enclosed Capital One Bank (USA), N.A. P.O. Box 70884 Charlotte. NC 28272-0884 1111111111-1111111'111111111fiIIIIIIINIIII'Il'I'Illll'I1111'11 Account Number: 4003-4426-2209-0705 Please print address or phone number changes below using blue or black ink. Address Home Prone Alternate Rhone E-mail address rte #9022375563686519# MAIL ID NUMBER SHANNON E LAKE 5116 RAVENWOOD RD MECHANICSBURG, PA 17055-4836 I I IIIIruIllII III ln1rlIs lIII IIIIIIIlnllnnr11111ur1u 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. Don't forget you can use your home's equity to make home improvements, consolidate debt or have cash on hand for unexpected expenses. Our customers lower their payments an average of over $250 per month' • Lower average monthly payment claim based on (first month's payment on non-purchase loans, exclusive of closing costs, that closed between 11/01/2007 and 04/30/2008. Actual lower payment may vary. Refinancing to pay off existing debt may extend the term of the debt, possibly resulting in higher overall costs and increasing the total amount paid when compared to your current situation. Offv intended for qualified applicants only. Not all loan products or terms are available in all states. The actual closing times may vary based upon the stare in which the property is located. Loans subject to credit approval. This does not represent an offer to enter into a loan agreement. products, arcs and terms subject to change without notice. Prodacn and seraira offem[ by Capita! One HOW Loam, LLC ® 2008 Capr'ral One Capita( One tr a federally regifterrd -ce mark. All righn rer-d Home Loans Mortgages I Refinancing I Debt Consolidation 1. How to Avoid a Finance Charge. a.Grace Period. You will have a minimum grace period of 25 days with= finance charge on new purchases, new balance transfers, new special purchases and new other charges a you pay your total *Wm Balance"% in accordance with the Important Notice for payments below, and in him for It to be credited by your payment due date. There is no grace period on cash advances and special transfers. In addition, there i5 ro grace period on any transaction if you do not pay the total 'New Balance.' b. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finsinca charge 1) from the date of the transaction or 2) from the date the transaction is processed to your Account or 3) from the first Calendar day of the current billing period. Additionally, If you tlo not pay the "New Baanc r" from the previous billing period In full, dance charges continue to accrue to your unpaid balance until the unpaid balance is pad in fun This mail that you may still owe finance charges, even it you pay the entire New Balance Indicated ch the from of your atatenan[ by the paymam due date, but did not do so for the previous month. Unpaid finance charges are added to the applicable segment of your Account. c. Minimum Finance Charge. For each billing period that your account is subject to a firaxe charge, a Minimum total FINANCE CHARGE of Soso will be Imposed. d. Temporary Reduction in FMrce Charges. We reserve the right to not assess any or all finance charges for any given billing period. 2. Average Daily Balance (Indrrdhrg Now Purchases). Finance charge is Calculated by nuaipying the dally balance of each segment of your account (a. g., cash advance, purchase, special transfer, and special purchase) by the Corresponding daly periodic rate(s) that has been previously disclosed to you. At the and of aeon day during the billing period, we apply the dairy periodic rate for each segment or your account to the dairy balance of each segrtent. Than at the end of the billing period, we add up the muffs of these dally Calculations to arrive at your periodic finance charge for each segment. We add up the results from each segment to arrive at the total periodic finance charge for your account To gat the dally balance for each segment of your account, we take the beginning balance for each segment and add any new transactions and any periodic finance charge Calculated on the previous day's balance for that segment. We than subtract arty Payments a credits posted as of that day that are allocated to that segment This gives us the separate daily balance for each sagmerd of your account. However, If you paid the New Balance shown on your previous sttlemam in full or If your new balance was zero or a credit amourd), new transactions, which post to your purchase or spedel purchase segments ere not added to the daily balances. We calculate the average daily balance by adding ati the dairy balances together and dividing the sum by the number of the days In the current billing cycle. To Calculate your total finance charge, muhipy your average daily balance by the dairy periodic rate and by the number of days In the billing period. Due to rounding on a dally base or due to minlmum finance charge eaea66rtl,nt, there may be a variance between the calculation and the artaum of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage ROW may appear ss "APR" on the front of this statement. b. It the code P (Quarterly Prime), L (Ouarteoy LIBOR), C (Quarterly CO), or S (Bankeard Prim) appears on the front of this statement nail to the periodic rabi(es). the periodic raise and corresponding ANNUAL PERCENTAGE RATES may vary quartery and may Increase or decrease based on the stated Indkea, as found In The Wall Street Journal, plus the margin previously disclosed to you. These changes will be effective on the fine day of your billing period covered by your periodic statement eliding In the months of January, April, Juy and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to the panddlo rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RAZES may vary monthly and may Increase or decrease based on the stated Indices. as found In The Well Street Journal, pus the might Previously disclosed to you. These changes will be effective on the first day of your billing period each month. 4. As meat of Late, Ovemma and Returned Payment Fees. Under the ems of your customer agreement, we reeerv, the right to waive or not to assess any fees without Pita noraleelion to you without waiving our right to assess the same or similar fees at a later came. 5. Men*enhlp Fee and Renewing Your Account it a merMership fee appears on this Maternal wit will rndit the fee If you request to close your account within 30 days of the her ling or this slatemerd. You may continue to use the account during the 30 dry Period before your request. it you do not pay all Charges owed on this account wan in 90 days, or a you use your credit Cam or account after you request to close, any membership fee Previously will may be reinstated to your account. 0. Closing cur Suspendin ; Your Account. You may request that your account be closed by Calling or writing our Customer Relations Department At the time of your request we will Provide you with additional details on closing your account . This may Include payment Information. If you use your credit Cam or charges post to your account after you ask us to close your account we Can keep your account open or reopen it We may close or suspend your account and your right to obtain Credit. We may do the at any tame and for any meson. even a you are not in detauti. A suspension of your account Can be penrenem or temporary. If your account is Closed or Suspended, you met stop Ming your Credit cent and account You must also cancel all preauthaized billing arrangements to the acooum. We will not do this for you. If we close or pxmmemy suspend your account, you must also destroy all credit cards and account reclls cheeks. You must still pay all amounts you owe US on the account, even M they were charged after your account is closed a Suspended. 7. Making Psymarnls. Payments you mail to US will be credited to your account ea of the business day we receive ft, provided (1) you $antl the bottom portion of this Statement and your check In the ancosed remmance envelope and (2) your paymeat Is recelvea in our processing caner by 3pm ET (12 noon PT). Please allow at least five (5) business days for postal delivery . Payments received by us at any other location or In any other form may not be credited a of the day we receive them Our business days are Monday through B. Notice About Electronic Check Conversion. When you provide a check as payment you authorize us either to use information tram your check to make a one-time electronic fund transfer from your depose account or to Process the payment as a check transaction. When we use intonation from your check to make an electronk: fund treater, funds may be withdrawn from your deposit account as soon ea the sane day we receive your psymat, and you will not receive your check back ft= your financial Institution Your authorization is not limited by the dale on the check. We may resubmlt and slectronlcely collect retuned Payments. 9. BankruplCy. If you are emitiea to bankruptcy promotions for your account, this communication is ony for informational purposes. It is not an attempt to collect assess or remver a debt or claim. Do not sera any payments direcly to us without speaking with your bankruptcy attorney or the Bankruptcy Court . a you want to Contact us about your account or your bankruptcy proceeding, pease have your attorney' comsct us. tBILLING RIGHTS SUMMARY (In Case of Enact m Questions about Your Bill) If you think your bill is wrong, or a you reed more imonaton on a trensaCtiai a bill, wme to US on S Separate sheet Sir soon as possible at the address for Inquires sham on the from of this statement. We Must hearirom you no later then 60 days afar we sent you the first bill on which the error or problem appeared. You can call our Custoner Relations number or notify us by small or webehe, but doing so wig not preserve your rights. In your letter, 9W0 us the following intonation: your name and account number, the dollar amount of the Suspected error. e description of the error and an explanation, a possible, of why you barren, there is an error, or a you reed more Information, a description of the from you are unsure about. You do not have to pay any amount in question while we are investigating a, but you are sdll obligated to pay the parts of your bill that are not in question. While we Investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. t Special Rule for Credit Card Purchress, If you have a problem with the quality of property or services that you purchased with a credit Cam and you have tried in good faith to correct the problem with the merchant. you may have the right not to pay the remaining amount due on the property or smlcft. You have this protection only when the purchase price was nuns than $50.00 and the purchase was made in your from stem or within 100 roles of your mailing address, Of we own Of operate the merchant, or it we melted you the advertisement for the property or services, all pumhm are covered regardless of amount or location of purchase.) Please remember to sign all correspondence. t Does not apply to business accounts Capital One supports information privacy protection: sea car websae at AMACIa ,SAID Capital One is a federelly registered aerviCa mark of Capital One Financial Corporation. All rights reserved. 02005 Capital One kapahra NOdcs: Payrrri you at a us wit bit aadtad s par avant as Of teWall-dry we r-6. it prow w(1)you sad Ire bsknr lardan Of cis answers ero Your dad In am antlered malfte o aadope and (2) your poireard Is moeNed In as processing cake bt9p.m.Ef(t2trotPT). Please tlo, stlraeve(5)bueaedate for posul debpy. Psysenrimamedby or starry War location am cry ahw rum may Moe ceded as od to dry arimosve clam. Our hshma drys are Mondry draph Sskrdw, aiddrg haidaya. Phase des trot use aapn. Paps dpw etc. Mari prtprig your psymant 1 CYCLE # 09 CAPITA CNE CYCLE FACSIMILE REPORT 08/10/2008 - 09/09/2008 PAGE 7640 ACCT-ID: 026220907C5 CARD# 4003442622090705 STMT-TYPE: ENGLISH REWARDS: Y FEE-FOR-BALANCE: N PREV-BAL: $C.CO PAYMENTSCREDITS: $0.00 FINANCE CHRGS: $0.00 TRANSACTIONS: $0.00 NEW-BALANCE: $0.00 MINIMUM PAYMENT: $0.00 LATE FEE: $0.00 DUE-DATE: 10042008 CREDIT-LIMIT: 750 CREDIT-AVL: 750.OC CASH-LIMIT: 375 CASH-AVL: 375.00 OVERALL-APR: 0.000 TPC : VP HOLD: 000 CL CSE-DATE: COB: N MISS-ADDR: N WATCH: CRDT-REV: N CL: CO PD: 00 CTC IND: INS: PC: 0000000001 ARCH: N REASON: OC HARDCOPY: 01 NEW: N EBPP: N SERVICE-OWNER: 000023 SAC-PGM: CLOSE: CHARGED-OFF: XFER: FRAUD: BK-HOLD: NBANKRUPTCY: N CHARGEOFF: N LEGAL: N FRAUD: N TRANSFER: N CTC-CHG-IND: PROBE-IDS: LINE: DELQ: CVLM: AUTH: REIS: PROD: PRIC: USR1: USR2: ::SR3: MESSAGE-IDS: PAST-DUE : INSURANCE: TRIAD M1: TRIAD M2: TRIAD M3: XFR: TBAL C/I BALANCE AMOUNT RATE CORR APR FINANCE CHARGE SHANNON E LAKE Purchases 0001 02 0.00 00.0346600 0012.650000000 O.CO 5116 RAVENWOOD RD Cash 0002 02 0.00 00.0486000 0017.740000000 0.00 MECHANICSBURG PA 17055483616 US TRANSACTION DATA NO TRANSACTIONS THIS - - - - - - - - - - - CYCLE - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 500251 - important notification 41080 of a change in terms to your account Please see the important notice included with this statement. It details changes to the: • Minimum monthly payment calculation This change will take effect starting with your December billing period. You cannot decline this change. • Fees applied to your accountp This change will affect fees billed to your account after January 25, 2009. Carr` You can decline this change. FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date ? $0.00 ?-? $0.00 1 +r 1 r 1? 1? 1 r 1 $0.00 + $0.00 = $0.00 $0.00 Nov. 03, 2008 Steep. 10, 2008 - Oct. 09, 2008 Page 1 of 1 Visa Platinum Account 40034426.2209.0705 Your Account Information `-? REWARDS TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $750.00 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $375.00 ` inanee Charges (Please see reverse for important informaton) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases WOO 0.03466% P 12.65% $0.00 Cash $0.00 0.04860% P 17.74% $0.00 \?NNUAL PERCENTAGE RATE applied this period: 0.00% J Al-h At Your Service - Go to www.ceoitabne tom to manage your aomura, or Cat 1-800.9557070 to report a lost or sbbn cad or speak to customer Relations Pay Online at www.ceoitalone.com or mail your payment to: Capital One Bark (USA), N A. • P.O. Beat 71083 - Charlotte, NC 28272-1083 A Send Inquiries to: Capital One• P 0. Box 30285 • Sat Lake City, Ur 84130MB5 .© Manage your Rewards online by visiting r or Cat 1-800.228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement of visit www capitalone tom/disputes .•a. KEW PAY AT UAM THIS AMOUM Rewards Summary Previous available balance. $20.53 Earned this period: $0.00 (ref ix is transactions posted during Dus billing crb) Available Balance $20.53 Pgmments, Credits & Adjustments Are you interested in refinancing your current mortgage? Capital One can help. We offer great rates, no hidden fees, and you will receive the one-on-one attention of the same personal loan consultant from call to close. Visit www.capitalonehomebans com for more information. PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003442622090705 09 0000000003800000000 clona- Account Number: 4003-4426-2209-0705 Due Date New Balance Minimum Payment Amount Enclosed Nov. 03, 2008 / $0.00 $0.00 1 1 L /? i? JL J PLEASE PAY AT LEAST THIS AMOUNT #9028475563686511# SHANNON E LAKE 5316 RA VENYOOD RD 11ECHANI C SBURG, PA 17055-4836 IIIIIIIIIII'II'II'11'IILIIIIIIIII"IIIIIIII1161111""11'11'1'1 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 8 Pay online anytime-no more checks, stamps or clutter. Q 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 71083 Charlotte, NC 28272-1083 111'11"I",VIII"hl'1lhlln„Irltl'111'1"Ilnh'nh'Irlht Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. CaE;Hi - 1. How to Avoid a Finance Charge. a.Graee Period. You VIII have a rMhunum grace penod of 25 days without finance Onerge on hew purchases, new balance transfers, now special pUrcheses and new other charges 0 you pay your totel'New Balance", in accordance with the Important Notice la payments ... and in tine for 11, be credited by your payment due date. There s mo grace period on cash advances and special immure. In addition, there Is no grace period on any tramactlon If you do not pay the total 'New Selena.' b. Accruing Finance Charge. Transactions which am not subject to a grace period are Seemed finance charge 1) from tan date of the tramactlon or 2) from the date the transaction is processed to your Account or 3) from the first calendar day tithe cumin billing period. Additionally, e you did not pay the "New Balance" from the previous billing period In full, finance charges continue to accrue to your unpaid balance until the unpaid balance s paid in full. This cleans that you may still owe ftmnce charges, even a you pay the entire New Balance Indicated on the from of your statement by the payment due clefs, but did net do SO for the pmlous month. Unpaid finance charges are added to the applicable segment of your Account. c. Minimum Finance Charge. For own billing period that your account s subject to a finance charge, a mnlmum total FINANCE CHARGE of $0.50 will be Imposed. d. Temporary Reduction In Finance Charges. We reserve the right to not Same any a all finance charges for any given billing period. 2. Average Dally Balance QnckrdkV New Purchases). Finance charge is calculated by multiplying the daily balance of each segment or your account (e.g., cash advance, purchase, special transfer, and special purchase) by tan corresponding dairy periodic rite(s) that no been previously disclosed to you. At the and of each day dung the billing period, we apply the dally perodic rate for each segment of your account to the dally balance of secn segment. Than at the and of the billing period, we add up the resum of these daily calculations to arrive at your period is finance charge for own segment. We add up the results from each S09MM to arrive at the total periodic finance charge for your account. To gat the dally balance for each segment of your account, we take the beginning balance for each Segment and add any new transactions and any periodic finance charge calculated on the pravlous days balance for that sagment. We then subtract any payments or credits posted Ss of that day that are allocated to that segment. This gives us the separate dilly balance for men segment of your account. However, R you paid the New Balance shown on your previous statement In hull (or ft your new balance was zero or a credit amount), new transactions, which post to your purchase or special purchase segments ere not added to the defy balances. We calculate the average defy balance by adding all the daily balances together and dividing the sum by the number of the days in the current billing cycle. To calculate your total finance charge, mumply your average daily balance by the daily periodic rate and by the number at days In the billing Period. Due to rounding on a dally bass or due to nnimum finance charge assessment, them may be a variance, between this calculation and the amount of finance charge actually assessed. 3. Annual Percentage Rates (APR). e. The tens "Annual Percentage Rate" may appear as "APR" en tna from of this Statement. b. If the code P (OUanerty Prime), L (Quarterly UBOR), C (Quarterly CD), or S (Bankcanl Prime) appears on the front of this statemsN next to the periodic rate(s), the periodic rates and conaspondirp ANNUAL PERCENTAGE RATES may vary quarterly and may increase or decrease based on the stated Indices, as found in The Wall Street Journal, plus the margin previously disclosed to you. These changes wIH ba eftactlva on the fist day ot year billiag period covered by your periodic statement ending in the moms of January, April, July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the front of your statement next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very monthly and may Increase, or decrease betted m the stated Indices, as found in The Wall Street Journal, pus tn. margin previously disclosed to you. These changes will be effective on the first day of your biking period aeon month. 4. Assessment of Late, Over11nd and Retuned Payment Fan. Under the toms of your customer agreement, we reserve the right to waive a not to sasses any teas without prior nollncetbn to you without weNing our right to assess the same or Similar fees at a later time. 5. Membership Fee and Renewing Your Account. If a membership fee appears on this Statertent. we will credit the fee ft you request to close your account within 30 days of the mailing of this statement. You may continue to use tan account during the 30 day period before your request. If you do not pay all charges owed an this account with In 90 days, or R you we your credit card or soccurt after you request to close, any membership fee previously waived may be reinstated to your account. 6. Closing or Suspending Your Account. YOU may request that your aaourd be closed by calling or writing our Customer Relations Department, At the ate Of your requ"L we will provide you with additional details on closing you accourR This may include payment information. If you use your credit card or charges post to your account after you ask us to close your account, we can keep your accoure open or reopen ft. We may close or suspend your account and your right to obtain credit. We may do this at any time and for any reason, even R you are not In default. A suspension of your account can be permanent or temporary. If your sCCOUM is closed or suspended, you must stop using your credit aid and account You must also anal all pMuthahzed billing arrnim eft to the accourd. We will not do this for you. If we Nose or permanently suspend your account, you nut also destroy all credit cards and account access checks. You most Sell Pay all amount you owe US on the SOOOUM, even R they wee charged after your account s closed or Suspended. 7. Making Payments. Payments you mail to a will be credited to your account as of the business day we receive ft. provkled (1) you send the bottom Portion of its statement and your check In the anclosed renlMena "slope and (2) your payment is received in our processing center by 3pm ET (12 noon PT). Please allow at most We (5) business days for postal delivery. Payments received by us at any other location or in ary other form may not be credited as of the day we receive them. Our business days are Monday through & Notice About Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a onadime electronic fund transfer from your depose aaouM or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer. funds may be withdrawn from your depose account es soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Your authorization Is not limited by tan date on the check. We may resubmit and electronically collect retuned payment 9. Bankruptcy. If You are On ftled to bankruptcy protections for your account, this communication is only for Intort alional purposes. It s not an attempt to collect, mass or fooover a debt or claim. Do not send any payments directly to m without speaking with your bankruptcy attorney or the Bankruptcy Court. if you wean to contact us about your account or your bankruptcy pmcaeding, please have your attorney contact Us. TBILLING RIGHTS SUMMARY (In Case of Emra or Questions about Your Bill) If you think your bill is wrong, a If you need more information on a transaction or bill, wane to us on a separate sheet as Soon as possible of tan address for inquiries shown on the front of this statement . We must hear from you no later than 110 days after wit Sent you the first bill on which the emr or problem appeared. You can call our Customer Relations number or holly us by arnail or webafte, but doing so will no preserve your rights. In your letter, give Us the following Information: your name and account nurroar, the dollar amount of the suspected error, a doompten of the error and an axplanation. R possible, of why you belsve there is an error, or e you need more information. a description Of the Rem you are unsure about. You do not have to pay any amount in question while we am investigating ft. but you are still obligated to pay Me Parts or your bill Mat are not in question. While we Im-tigate your question, we cannot report you as delinquent or take a" action to collect the amount you question. t Special Rule for Crean Can Purchases R YOU have a problem with the quality of property or services that you purchased with a credit cad and you hat tried In good faith to coned tan problem with tan merchant. you may have the right not 10 pay the remaining amount due on the property or services. You have this protection only when the purchase price was mom then $50.00 and the purchase was made In your no" state or within 100 MW of your mailing address. (If wit own or operate the merchant, or If we nailed you the advertisement for the property or servlces, all purchases are covered reganflass of amount or location of purchase.) Please rertember to sign all correspondence. T Does not apply to business accounts Capital One supports IntomaMn privacy protection see our webefte at wwo capitakno, corn Capital One is e federally registered service mark of Capital One Financial Corporation. All rights reserved. 02009 Capital One O1OMa05B-1 Changing Address? Address ................ Home Phone........ Alternate Phone........ E-mail Address........ Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure © we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. 200564 41080 SHANNON E LAKE important notification Your Minimum Payment Calculation The following change will take effect starting with your December 2008 billing period: If your new statement balance is $15 or less, your minimum payment will be equal to your balance. Otherwise, we calculate your minimum payment by adding any past due amount to the rg eater of: $15; OR • The total of 1% of your new statement balance, plus new interest (periodic finance charges), plus new late payment fees. This minimum payment will be required for every statement with a balance, even if you paid more than the minimum payment or made multiple payments in a previous billing period. Please note that this change in how your minimum payment is calculated could result in a higher minimum payment than you're currently paying. For example, if you pay late or have missed a payment, it's likely that your minimum payment will increase. A The above policy change is required by federal banking regulators and cannot be declined. A V You have the right to decline the following fee change (please see the back for details). V Your Fees The following change will affect fees billed to your account after January 25, 2009: Cash Advance Fee 3% of your cash advance amount or $10, whichever is greater. 200564 see reverse for more information, including how to decline changes to the fees on your account. > Please note: You are not eligible to decline changes to your minimum payment calculation. of a change in terms to your account The changes detailed in this notification amend your Customer Agreement. All other account terms and conditions remain the same. Please retain this notification for your records. C --7 af~ W- if you decide not to accept these terms You can choose to decline the changes to your fees and close your account. To decline the fee changes, call our automated system at 1-800-226-4119 by 8:00 p.m. ET, December 14, 2008. Please have the following information available when you call: your account number, this notification, plus the last four digits of your social security number. If you decline, we will close your account on January 25, 2009. After that date, you: • Will not be able to use your card • Must cancel any scheduled payments you have set up for automatic billing • Will forfeit any rewards you have accumulated, so please be sure to redeem them before January 25, 2009. If you decline, you will be able to pay down your balance at your existing terms. Please keep in mind that any transactions you make prior to January 25, 2009 will still post to your account. We will consider your account paid in full as soon as you receive a statement that shows a $0 balance and no pending transactions. For the hearing impaired: Telecommunication Device for the Deaf (TDD) To access our TDD line, please dial 1-800-206-7986. Please have your account number, this notification, plus the last four digits of your social security number available when you call. Please send questions or concerns related to this change to: Capital One Bank (USA), N.A. P.O. Box 30285 Salt Lake City, UT 84130-0285 We cannot process your payment, nor can we process your request to decline these changes if mailed to this address. Our federal banking regulator is the Office of the Comptroller of the Currency. © 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. SHANNON E LAKE 5116 RAVENWOOD RD MECHANICSBURG, PA 17055-4836 Pay to the order of SHANNON E LAKE Vie-IrIC 200552 12759 68-7270/256o 41059.1. $F Dollars Richmond, VA Memo Purchase Check Date Use by December 19, 2008 Signature ,in 127 S911• e: 2S607270 D: ?SO 26 2 209070 Sill just write a Capital OneO Dear SHANNON E LAKE, P h Ch k! You have things to do. And now you have an easy, convenient financial tool to help urc ase 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 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 ? \\ Consolidate your bills SRp"As, K P. Taylor Jamison o Get cash for things you Director of Accounts T want and need P.S. You can use Purchase Checks just about anywhere! Please remember to use them by December 19, 2oo8. Want to transfer a balance now? Call 1-800-955-7070 or go online to hops.&transferbalances.capitalone.com/offers. Please see the reverse for important information about using these checks. 41059 200552 SHANNON E LAKE 1276o 5116 RAVENWOOD RD Dote 68.7z7o/z 41059.1. 1. MECHANICSBURG, PA 17055-4836 Use by December 29, 2008 Pod to the order of VOID Dollars Purchase Check Richmond, VA Memo Signature 11'1276011' 1:2S6072701,:?SO 262209070S11• O n O m = N O :0 ~ G O S T ~ 0 7 D N _T > Z ; D 9 Z O n 9 >v 2 O N Z ? m C m C r ,O Of Z + c = N 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 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 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"? 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. 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. © 2008 Capital One. Capital One is a federally registered service mark. All rights reserved. a :0 o m Z N O D m F oa T ~ O m D W Z a Z D a Z O n a ?N zn N = IN 1 m C I ? O Of Z -+ c x N N M r ?F Z m I CYCLE # 09 CAPITAL ONE CYCLE FACSIMILE REPORT 10/10/2008 - 11/10/2008 PAGE 985 ACCT-ID: 02622C90705 CARD# 4003442622090705 STMT-TYPE: ENGLISH REWARDS: Y FEE-FOR-BALANCE: N PREV-BAL: $0.00 PAYMENTSCREDITS: $0.00 FINANCE CHRGS: $0.00 TRANSACTIONS: $0.00 NEW-BALANCE: $0.00 MINIMUM PAYMENT: $0.00 LATE FEE: DUE-DATE: 12052008 CREDIT-LIMIT: 750 CREDIT-AVL: 750.00 CASH-LIMIT: 375 CASH-AVL: 375.00 OVE_RAIL-APR: 0.000 TPC : VP HOLD: 000 CL CSE-DATE: OOB: N MISS-ADOR: N WATCH: CRDT-REV: N OL: 00 PD: 00 CIO IND: INS: PC: 0000000001 ARCH: N REASON: 00 HARDCOPY: Cl NEW: N EBPP: N SERVICE-OWNER: 000023 SAC-PGM: CLOSE: CHARGED-OFF: XFER: FRAUD: BK-HOLD: NSANKRUPTCY: N CHARGEOFF: N LEGAL: N FRAUD: N TRANSFER: N CTC-CHG-IND: PROBE-IDS: LINE: DELQ: OVL.M: AUTH: REIS: PROD: PRIC: USR1: USR2: ::SR3: MESSAGE-IDS: PAST-DUE: INSURANCE: TRIAD M1: TRIAD M2: TRIAD M3: XFR: TBAL C/I BALANCE AMOUNT RATE CORR APR FINANCE CHARGE SHANNON E LASE Purchases 0001 02 0.00 00.0346600 0012.650000000 0.00 5116 RAVENWOOD RD Cash 0002 02 0.00 00.0486000 0017.740000000 0.00 MECHANICSBURC PA 17055483616 Us TRANSACTION DATA NO TRANSACTIONS THIS - - - - - - - - - - - CYCLE - - - - - - - - - - - - - - - - '- - - - - - - - - - - - - - - - - - - - - -' - - - - - - - - - - - - - - - - - 500016 amh Capital One® does credit cards-and then some! Need a home loan? A car loan? A savings account? A personal loan? Financing for braces or glasses? Capital One can handle it all. Hassle free! Visit capitalone.com for a complete list of products and services and to manage your account online. 12 MEMBER r~ LENS FM CAF?h !n your wallet? FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $0.00 - $0.00 + $0.00 + $368.62 = $368.62 $15.00 Jul. 06, 2009 May. 10, 2009 - Jun. 10, 2009 Page 1 of 1 PLEASE PAY AT OAST THIS AMOUNT Visa Platinum Recount Rewards Summary 4003448&8310-0814 (A tmw* Previous available balance : $20.53 Your Account Information REWARDS- Earned this period: $513 (reflects Tansections posted during this billing cycle) TOTAL CREDIT LINE $750.00 AvailabeBaance: $25.66 TOTAL AVAILABLECREDIT $381 .38 CREDIT LINE FOR CASH $375.00 P a rp nts, Credits & Adjustments AVAILABLE CREDIT FOR CASH $375.00 _ Transactions 1 16 MAY TOYS R US #6423 NEW YORK NY $2166 ?FInanCe Char es Please see reverse for im ortant information) 2 16 MAY BILLABONG TIME SQUARE NEW YORK NY $138.50 g ( p 3 18 MAY SHEETZ 00001958 MECHANICSBURG PA $234 Balance rate Periodic Corresponding FINANCE 4 24 MAY GIANT FOOD #005 MECHANICSBURG PA 53017 applied to rate APR CHARGE 5 26 MAY SHEETZ 00001958 MECHANICSBURG PA $4.65 Purchases $0.00 0029B6% P 1090% $0 .00 6 29 MAY GIANT FOOD #005 MECHANICSBURG PA $6 91 15.99% $0Z Cash $0.00 % P 7 29 MAY CHICK-FIL-A #02167 MECHANICSBURG PA . $5.25 ANNUAL PERCENTAGE RATE applied this period: iod: 0.0076 J 8 29 MAY HOLIDAY HAIR MECHANICSBURG PA S4776 9 29 MAY SUNOCO SVC STATION MECHANICSBURG PA $20.00 Q At Your Service - Go to wew.cmitebne.mm to manage your account, 10 30 MAY SONIC DRIVE IN #5744 PALMYRA PA $11 83 or Cat 1 800 955 7070 to spot a lost o stobn card o speak to Q stoma . Relations 11 01 JUN WEGMANS #45 MECHANICSBURG PA $23.34 12 L7 JUN SHEETZ 00001958 MECHANICSBURG PA $380 0 Pay Online at w capdakrlecom or mail your Mmem te: 13 03 JUN SHEETZ 00002014 MECHANICBURG PA $2.61 Capital One Bank (USA), N A. • P.O. Box 71083 • Chari NC 14 03 JUN KARNS QUALITY FOOD MECHANICSBURG PA 53818 28272-1083 15 05 JUN SHEETZ 00002014 MECHANICBURG PA $1162 A Send Inquiries to: Capital Ow P.O. Box 30285 • Sat Lake City, Ur 84130-0285 .© Manage your Rewards online by visiting octet t-egane-3oo1 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitelone.com/cbsputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003448683100614 10 0368620003800015004 Account Number: 4003-4486-8310-0614 Due Date New Balance Minimum Payment Amount Enclosed Jul. 06, 2009 $368.62 $15.00 PLEASE PAY AT LEAST THIS AMOUNT #9016272237838006# SHANNON E LAKE 308 CHESTNUT ST HARRISBURG, PA 17101-2707 ?IrIIPIIIrhIIrII?u11111r11111nrrrl111rnrr111,i1riil,nnlrrl Lend a hand. Save the land. Manage your account online today- iYs fast, easy and secure. le Pay online anytime-no more checks, stamps or clutter. © Moving? Change your address online or on the back. ® Help save the planet-Go paperless. ® Sign up at wvvw.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1063 IIIIIIIrI11rr11111.11.111111h.111111--11.1 IIIrllrrllllllllrl111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. A quick glance at what Capital One can do for you. Home Loans Refinance your existing mortgage or purchase a new home. Auto Loans Buy a new or used car, or refinance the one you already have. Banking Free online Savings accounts with one of the best money market rates in the nation. Personal Loans Consolidate your bills, buy what you need or have extra cash on hand. Healthcare Finance Braces, laser eye surgery, and more-we can bring medical costs into focus! Visit capitalone.com to learn more! Products and services offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A., members FDIC. Capital Oric is an Equal Housing LCndcr ® 2008 C pi,al One. Capim[ One h a f &nrk5 r gu-,d-r a marts. All ighu raeeard 002 10 1. How to Avoid a FMnca Charge. OGrece Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance fierier, new special purchases and new other charges If you pay your total "New Balance", in accordance with the Inlisosant Notice for payments below, and In time for 1 to be credited by your payment due date. Trier is nw grace paned on cash advances and special transfer. In addition, there is no grace period on any transaction If you do not pay the total 'New Balance.' b. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the date of the transaction or 2) from the date the transaction Is processed to your Account or 3) from the f!rat calendar day of the Cunent billing period. Additionally, If you did her pay the "Now Balance- from the previous billing period in full, finance charges continue to accrue to your unpaid balance until the unpaid balance is paid In full. This means that you may still owe finance charges. even it you pay the entire Now Balance indicated on the front of your statement by the payment due date, but did not do so for the Pevlous month. Unpaid finance charges are added to the applicable segment of your Account. C. Minimum Finance Charge. For each billing period that your account s subject to a finance charge, a mnimum total FINANCE CHARGE of $0.50 will be imposed. d. Temporary Reduction in FMnce Charges. We reserve the right to not assess any or all finance charges for any given billing paned. 2. Avenge only Balance (Including Now Purchases). Finance merge s Calculated by Millpying the dairy balance of men Segment or your account (e.g., man advance, purchase, special transfer, and special Purchase) by the corresponding day periodic rte(s) that has been Previously disclosed to you. At the and of awn day during the billing period, we apply the dally Periodic rate for each segment or your account to the day balance of each Segmeft. Than at the end Of the billing Period, we add up the rebuts Of these miry calculations to arrive at your periodic finance charge for each segment We add up the much from each segment to arrive at the total Periodic finance charge for your account. To get the dairy balance for each segment of your account, wis take tic beginning balance for each segment and add any new transactions and any Periodic finance charge calculated m the previous days balance fathat segment. We than subtract any pSynae is or credits Posted as of that day that are allocated to that segmm. This gives US the mPerte dairy balance for each sagnlent of your account. However, If you paid the New Balance shown on your previous Statement In full (or if your new balance was zero or a credit amount), new tenactione. which pmt to your purchase or special purchase segments era not added to the dairy balances. We Calculate tha average day balance by adding all the dairy balances together and dividing the sum by the number of the days in the current billing cycle. To calculete your toe, finance charge, multiply your average dairy balance by the dairy Periodic rote and by the number of days in the boring paned. Due to Mnding on a day mss or due to MINIMUM finance change ses SMM, there may be a va ence between this Calculation and the ameunt of finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear as "APR" on the front of this statement. b. If the code P (Quarterly Prime), L (Quarterly LIBOR), C (Ouenerry CD), or S (Bankcard Prime) appeaB on the from of this statement hard to the Periodic rte(s), the periodic rtes and corresponding ANNUAL PERCENTAGE RATES may very quarterly and may Increase or decrease basso on the stated Indices, as found in The Well Street Journal. plus the margin previously disclosed to you. These changes will be eftactlve m the flit day of your billing period covered by your periodic statement ending in the months of January, April. July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (treasury LIBOR) appear on the front of your statement Mid to the periodic rte(s), the periodic rates and corsponding ANNUAL PERCENTAGE RATES may very menthly and may Increase o decrease based on the stated indices. as found in The Wall Street Journal, plus the margin previously disclosed to you. These changes will be effective on the fret day of your billing period each month. 4. AW mrt of Late, Overgma and Returned payment Fees. Under the terms of your customer agreement, we reserve the right to waive or no to assess any fees without prior notification to you without waiving our right to assess the sarta or slnklar fees at a louder tuna. 5. Membership Fee and Reneweg Your Account. if a membership fee appears m this statement, we win credit the fee 0 you request to dose your account within 30 days of the malting of this statement. You may continue to use the account during the 30 day Period before your request. If you do not pay all charges owed on this account with in 90 days, a 0 you use your credit cad or account after you request to close, any membership fm previously waived may be reinstated to your account. B. Closing or Suspending Your Account. You may request that your account be closed by Calling or wining our Customer Relations Department At the time of your request we will provide you with additional details on closing your account. This may inelude payment information If you use your credit Cad or changes post to your account alter you ask us to close yow account, wa Can keep your account open a reopen t. We rtay close a suspend your account arid your fight to obtain credit. We my do this at any time and fa any reason. evan it you are not in Celauft. A suspension of your account Can be permanent or temporary . If your account Is closed or suspended, you must stop using your C"dR card and account. You must also cancel all peauthorized billing arrangements to the account. We will not do this for you . If we dose or permanently suspend your account. you mgt also oestrey all Credit Cads and account access checks. You must still pay all amounts you owe us on the account , even if they were charged after your account is closed o suspended. 7. Maklag Payments. Payments you mail to us will be credited to your account as of the business day we receive ft. provided (1) you send the broom poem of this statement and your check In tic enclosed remittances antelope and (2) your payment Is received in our processing center by 3pm ET (12 meson PT). Plmee allow at least five (5) business days for Poste) delivery. Payments received by us at any other locatim or In any other form may not be credited as of the day we receive them Our Wanness days are Monday through 8. Notice Mora Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use Imormati- from your check to make an electronic fund transfer. funds may be withdrawn from your depose account as soon as the Same day we receive your payment, and you will not receive your check back fron your financial institution Your authorization Is not lunged by the date on the check. We may resubmit and electronlCaty collect returned payments. 9. Bankruptcy. If you are entitled to bankruptcy protedrons for your account, this communication Is only for Informational purposes. It is not an attempt to collect, aeaan or recover a debt or claim. Do not send any payments directly to us without speaking with your bankruptcy attorney or the Bankruptcy Court, it you want to Contact us about your account or your bankruptcy proceeding. please have your attorney contact us. tBILLING RIGHTS SUMMARY (In Case of Eras m Questions about Your Bill) If you think your bill IS wrong, a t you need more information on a tenecam or bill, write to us m a separate sheet as Soon ore possible at the address for Inquiries shown on the front of this statement. We must hear from you no later than 00 days after we sent you the first bit m which the enor m problem appeared. You Can call our Cuatomer Relations number a holly, us by snail or webete, but doing so will not preserve your rights- In your attar, give us the following InhrmaOm: your name and account number, the dollar amount of the suspected error, a description of the error and an es p(aratim, g Possible, of why you believe there is an eror, or If you need them information. a description of the gem you are unsure about. You do not have to pay any amount In question while we are Investigating 11, but you am still obligated to pay the parts d your bill that am not in question. While we investigate your question, we Cannot repro you es delinquent or take any action to collect the amount you question t Special Rule for Credit Car Purchases If you have a problem with the quality of property or services that you purchased with a credit Card and you have tried In good faith to Correct the problem with the merchant, you may have the fight not to pay the remaining amount due on the property or servkaS. You have this protection only when the purchase price was tar than $50.00 and the purerme was made In your home state a within 100 mles of your milling address. (It we own a opeete the merchant, or g we mind you the advmsement for the propeM or services, all purchases are Covered regardless of amount m location of purchare.) Please minamber to sign all correspondence, t Does not apply to business accounts Capml One supports information privacy protection: we our webste at Capital One is e federally registered service man of Capital One Financial Corporation. All rights reserved. 02008 Capital One 01 DM6056 - 1 - Changing Address? Address ........................................................................................... Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink Not quite ready to make payments online? No problem. Follow these simple steps to make sure © we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `O statement. Using a different envelope could delay processing • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. ?wh t 5WO08 s in your wallet? a It could happen to anyone. Make sure you pay the amount SHANNON E LAKE due on your statement as soon as possible. WHOOPS! Keeping your credit in good standing can hi k h n . an you t do a lot more t GOOD CREDIT= GOOD CREDIT REFERENCES You're • • BETTER INTEREST RATES (good credit could mean lower interest rates) by I payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) © 2009 Capital One. Capital One is a federally registered service mark. All rights reserved FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $368.62 - $0.00 + $6.01 + $480.04 = $854.67 $68.00 Aug. 04, 2009 Jun. 11, 2009 - Jul. 10, 2009 Page 1 of 2 Visa Platinum Account 4003-44868310-0614 Your Account Information ARDS' TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $0.00 i ?Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $670.79 002966% P 10.90% $6.01 Cash $0.00 0.04361% P 15.99% $0.00 ,ANNUAL PERCENTAGE RATE applied this period: 10.90% O At Your Service - Go to wwa.c®itabne.com m manage your socoum, - a Cat 1-800.955-7010 to report a lost a slolon card a speak to Orsbaier Relations 0 Pay Online at www.cadtabne.com a mail your pe/ment to: Capital One Bark (USA), NA . • P.O. Box 11083 • Charlotte, NC 28272-1083 Send Inquiries to: Capital One P.O. Box 30285 - Sat Lake C7ry UT 8, 4100285 Q Manage your Rewards online by visiting • or Cat 1900-2283001 PLEASE PAY AT (FAST THIS AMOUNT 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. Rewards Sum Previous available balance: $25.66 Earned this period : $5.96 (reflects transom orts posted during this biling cycb) Available Balance: 531.62 Pam ts, Credits & Adjustments Transactions 1 10 JUN WM SUPERCENTER MECHANICSBURG PA $4315 2 10 JUN TACO BELL KFC 00231423 CAMP HILL PA $2.20 3 10 JUN YUMMY JAPAN # 3 CAMP MILL PA $540 4 17 JUN GIANT FUEL #120 MECHANICSBURG PA 943.77 5 18 JUN PALUMBO'S ITALIAN EATERY HARRISBURG PA $1882 6 19 JUN DA-VI NAILS MECHANICSBURG PA $2500 7 20 JUN KARNS QUALITY FOOD LEMOYNE PA $21.41 8 20 JUN SNACK BAR PA-711390036 SOUTHEASTERN PA $448 9 20 JUN TURKEY HILL #0736 Q69 MECHANICSBURG PA S2001 10 20 JUN TURKEY HILL #0236 069 MECHANICSBURG PA $8.51 11 20 JUN SUNOCO SVC STATION CAMP HILL PA $274 12 21 JUN GEMINI WILDWOOD NJ $105.00 13 21 JUN THE ORIGINAL FUDGE KITCH WILDWOOD NJ $972 14 21 JUN SUNOCO SVC STATION HAMMONTON NJ S5152 15 21 JUN FOOD COURT AC-10865707 YARDVILLE NJ $800 16 23 JUN SHEETZ 00001958 MECHANICSBURG PA $3.70 17 24 JUN AUTOZONE 01883 MECHANICSBURG PA $2861 18 06 JUL PAST DUE FEE S39.00 19 10 JUL OVERLIMIT FEE JUL 10, 2009 S39.00 is Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalone oomidsoutes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003448683100614 10 0854670003800068006 Account Number: 4003-4486-8310-0614 Due Date New Balance Minimum Payment Amount Enclosed Aug. 04, 2009 $854.67 $68.00 L i? J? J? J PLEASE PAY AT LEAST THIS AMOUNT 119019272237838003# SHANNON E LAKE 308 CHESTNUT ST HARRISBURG, PA 17101-2707 IIIII?II?INIIInIhlll?hll^?II?mll?h?4?1^r?hl?hlllllh Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. a Pay online anytime-no more checks, stamps or clutter. © Moving? Change your address online or on the back. ® Help save the planet-Go paperless. ® Sign up at www.capitalone.com. Capital One Bank (USA), N.A- P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIIIrill„IIIII-II-IIIIIII,.IIIIII--II-I-III-II--IIIIIIIIrIIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 1 1. How to Avoid a Finance Charge. a. Grace Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance transient new apeciel purchases and new other charges a you pay your total "New Balance", in accordance with the Important Notice for payments below, and in time for It to be credited by your payment due 0110. There is no grace period on cash advances ant special transfers. In addition, there is no grace period on any transecbn d you do not pay the total 'New Balance." b. Accruing Finance Charge. Transactions which ere not subject to a grace period are assessed finance charge 1) from the data of the transaction or 2) from the date the tmnsachon is processed to your Account or 3) from the first calendar day of tha cunaM billing period. ACEitbnally, if you did nol pay the 'New Balance' from the previous billing Pedod In lull, finance charges cominue to accrue to your unpaid balance uel the unpaid balance Is paid In full. This means that you ray 9011 owe finance charges, even If you Pay the entire New Balance Indicated on the from or your staemant by the payment due date, but did not do so for the previous month. Unpaid finance charges are added to the applicable segment of your Account. c. Minimum Finance Charge. For each billing period that your account Is subject to a fiance charge, a minimum total FINANCE CHARGE Of 80.50 will be imposed. d. Temporary Reduction In Finance Charges. We Nerve the right to not assess any or all fiance charges for any given billing panne. 2. Average Daley Balance (Including New Purchases). Finance charge Is calculated by mulipying the dairy balance of each segment of your Account (ag, cash advance, purchase, special transfer, and special purchase) by the corresponding defy periodic rte(s) that has been previously disclosed to you. At the end of each day during the billing period, we apply the daily Periodic rate for each segment of your account to the dairy dance of each segment. Than at the end of the billing period, AN add up the results of these daily alculalMS to arrive at your periodic fiance charge for each segment We add up the Nua from each segment to arrive at the total pedwe fiance charge for your account. To get iha dairy balance for '.. each segment of your account, we take the beginning balance for each segment and add any haw transacbns and any periodic fiance charge calculated on me previous days balance arthe segment. We then subtract any payments or credits posted as of that day that an allocated to that segment. This gives us the seporas daily balance la each segment of your account. However, a you paid the New Belena shown on your previous statement In full (or h your new balance was zero or a credit amount), new tansachan, which post to your purchase a special purchase segments an rat added to the airy balances. We calculate the average dairy balance by adding all the daily alanas together and dividing the sum by the number of the days in the currant billing cycle. To alcuate your total finance charge, multiply your average airy balance by the dairy periodic rate and by the number of days In me billing period. Due to rounding on a daily base or due to rrinimum fiance charge Assessment, mere may be a vararce between this calculation and the amount of fiance charge actually assessed. 3. Annual[ Percentage Rates (APR). a. The tarts -Annual Percentage Rate" may appear as "APR" on the front of this statement. to. If the code P (Quarterly Prime), L (Quarterly LIBOR), C (Quarterly CD), or S (Bwkaad Prime) appears on the front of this statement next to the periodic rate(s), the periodic raise and corresponding ANNUAL PERCENTAGE RATES may vary quadMy and may Increase or decrease based on the stated indices, as found in The Well Street Journal, plus the margin previously disclosed to you. These changes will be effective on the that day of your billing period covered by your= k: statement ending In the months of January, April, July and October. c. If the code D (Monty Prime), F (Monthly LIBOR), or G (Treasury LIBOR) appears on the fiord of your statement next to the periodic rate(s), Bit periodic rates and corresponding ANNUAL PERCENTAGE RATES nay vary monthly and may Increase a decrease bond on the sated indices, as found In The Well Street Journal, plus the margin previously disclosed to you. These changes will be effective on the fine day of your billing period each In". 4. Assessment of Late. OvedW* and Returned Payment Fees. Under the tens of your customer agreement we reserve the right to waive or not to assess any foes without prior notlficatlon to you without walving our right to assess the some or similar fees at a later fima. 5. Membership Fee and Renewing Your AecouM. If a membership fee appeals on this statement, we will credit the fee 0 you request to close your account within 30 days of the molding of this statement. You may continue to use the account during the 30 day period before your request. H you do not pay all charges owed on this account with In 90 days, a If you use your credit card or account after you request to close, any membership fee previously waived may be reinstated to your account. 8. Closing or Suspending Your Account. You may request that your account be closed by calling or writing Our Customer Relations Department At the are of your request we will provide you with additional details on closing your account. This may Include payment Information. It you use your credit card or charges pat to your account after you Oak us to close your account, we an keep your sccount open a reopen ft. We my close or suspend your account and your right to obtain credit. We may do this at any time and for any mason, even If you an not in dafeuft. A suspension of your aoCOUM an be pemrham or temporary, If your acco urd Is closed a suspended, you must stop using your credit ant and acwkmt You must also cancel all Prcauthefized billing aangements to the socouM. We will not do this for you. If we dose o permanently suspend your account, you eat also destroy all credit ads and aCOOUM sweet checks. You mua $till pay all amounts you owe us on the account , even d they wan charged after your account is closed or suspended. 7. Making Payments. Payments you mall to us will be credited to your account as of the business day we receive k, provided (1) you send the bottom pomon of this statement and your check in the enclosed remittance envelope and (2) your payment is received In our processing center by 3pm ET (12 noon PT). Please allow of Most flue (5) business days for postal delivery. Payments received by us at any other location or In any other ions may not be credited as of the day we race" them. Our business days are Monday through Changing Address? Address... ............. Home Phone........ Alternate Phone........ E-mail Address........ Please print address or phone number changes above using blue or black ink. 8. Notice About Electronic Check Comm n. When YOU Provide a check as payment you aumonze us either to use information from your check to make a one-time electronic fund transfer from your deposit account "to Prcdess the payment as a check transaction. When we use Informalbn from your Check to rake an electronic fund transfer, funds may be withdrawn from your deposit account as anon tie the earra day we receive your payment and you will not receive your check back from your anarkclal Institution. Your authorization is not Imsled by the date on the check. We may mo ubmil and electronically collect returned paymeots. 9. Bankruptcy. If you are emitted to bankruptcy promotions for your Account, this communkatlon Is any for Informational purposes. It is not an attempt to collect, assess or recover a dad or calm. Do no send any payments directly to us; without speaking with your bankruptcy attorney or the Bankruptcy Court . a you wen to correct es about your account a your bankruptcy proceeding, please have your attorney contact us. tBILLING RIGHTS SUMMARY (In Case of Enron a O ellons about Your Bill) if you think your bill is wrong, or M you need non Information on a transaction or bill, write to us On a separate shoe as soon as possible to the address for inquiries shown con the front of this s 1~. We meet hear from you no later then 80 days after we sal you is fin bill on which the am a problem appeared. You can call our Customer Relations number or notify us by Armed a webete, but doing so will not pruerve your fights. In your leper, give us the following Information: your name and account number, the dollar amount of the suspected ear, a description ot the am and an explanation, it possible, of why you believe then is an error: a h you need mo s Information, a description of the ham you an unsure about. You do not have to pay any amount in question while we an investigating ft, but you an still obligated to pay the parts of your bill the are not in question. While we investigate your question, we canna report you as delinquent or take any action to collect the amount you question. t Special Rule for Credit Cam Purchases It you have a Problem with the quality of property a services that you purchased with a credit card and you have tried In good faith to correct the problem with the merchant. You may have the right not to pay the remaining amount due on the properly or services. You have this Protection ony wizen the purchase Price wes non than $50.90 and the purchase was rtade In your horns state or within 100 miles of your mailing address. Of we own "operate the merchant or ft wit malad you the advertisement fame property or services, all purchases am conre0 regardless of amount a baton of Purchase.) Please nnember to sign all correspondence. t Does not apply to business accounls Capital One supports Information privacy protection: see our webaa at Capitol One Is a federally registered service mark of Capital One Financial Corporation. All rights reserved. O 2008 Capital Oa Not quite ready to make payments online? No problem. Follow these simple steps to make sure © we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. r • Know your credit limit and the amount of credit available for your use. • Maintain a good credit history... it affects more areas of your life than just your ability to get a credit card. • Use a budget to help you see what you can afford to buy now and to help you save for the future. • Understand that the cost of credit includes fees as well as interest. • Request a copy of your credit report from a credit reporting bureau regularly. 500017 FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due late $368.62 - $0.00 + $6.01 + $480.04 = $854.67 $68.00 Aug. 04, 2009 Jun. 11, 2009 - Jul. 10, 2009 Page 2 of 2 / Yisa Platinum Account \ PLEASE PAY AT LEAST THIS AMOUNT 4003-448&MOM14 Your Account Information 1tEYIfARCS Your account has gone over its credit limit. To avoid additional ovetimit fees, you should pay more than the Minimum Payment. Pose pay enough to bring your account balance below your credit limit TOTAL CREDIT LINE $750 immediately, and make sure your account balance remains below your credit limit. Please be sure the AVAILABLE CREDIT TOTAL $$0* 00 amount you pay accounts for arty future purchases, fees, and finance charges. CREDIT LINE FOR CASH 00 $375 AVAILABLE CREDIT FOR CASH $0.00 , You were assessed a past due fee because your minimum payment was not received by the due date. To '•? j' avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. capft7aj]?. whairs In your wallet) LET'S TALK - WE'RE HERE TO HELP. 500009 Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital Ones we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. © 2009 Capital One. Capital One it a federally registered service mark. AU rights reserved FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $854.67 - $0.00 + $13.22 + $78.00 = $945.89 $129.00 Sep. 04, 2009 Jul. 11, 2009 -Aug. 10, 2009 Page 1 of 1 Visa Platinum Account 40034496.83104614 Your Account Information ARDS' TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $0.00 finance Charges (Please see reverse for important information) Balarce rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $669.80 004904% D 17.90% $13.22 Cash $0.00 0.06822% D 24.90% $0.00 ?NNUAL PERCENTAGE RATE applied this period: 17.90% J Q At Your Service • Go to www.caoitabne.mm to menage your account, «Cal 1-M955.7070 to report a bst ar stolen cad a speak to customer Relations 0 Pay Online at wwwceoitabne.com a mail your payment to: Capital One Bork (USA), N.A. • P.O. Box 71083 • Charbtk, NC 28272-1083 A Send Inquiries to: Capital One P.O. Box 30285 • Set Lake aty UT 8, 41 00285 Q Manage your Rewards online by visiting • « Cat 1-800-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.ce6talone.com/dsputes C Due Date PLEASE PAY AT (FAST THIS AMOUNT You're behind by two payments. Lets talk. If you're having financial difficulties and can't make your minimum payment - we want to help. Lets work together to find a solution. "Important Notice- Under the terms we previously disclosed to you, your account is now eligible for an increase in Annual Percentage Rates (APRs) effective immediately. However, Capital One has elected not to raise your APRs at this time. Please be advised that if you fail to keep your account in good standing, Capital One reserves the right to raise your APRs in the future Rewards Summarv Previous available balance: $31.62 Earned this period: $0.00 (reflects vmsectiorts posted during this dMg cych) Available Balance: $31.62 P_Mgmts, Credits & Adjustments _ Transactions 1 04AUG PAST DUE FEE $3900 2 10AUG OVERLIMIT FEE AUG % 2009 $3900 Your account has gone over its credit limit. To avoid additional ovedirrt fees, you should pay more than the Minimum Payment Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days f« 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 4003448683100614 10 0945890003800129008 Account Number: 4003-4486-8310-0614 New Balance Minimum Payment Amount Enclosed Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. 10 Pay online anytime-no more checks, stamps or clutter. Q Moving? Change your address online or on the back. ® Help save the planet-Go paperless. ® Sign up at wvvw.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111, I I I„11111,11,11111 l l„111111,,11,1,111,11„11111111,1111 Sep. 04, 2009 $945.89 J $129.00 J J PLEASE PAY AT LEAST THIS AMOUNT #9022372237838006# SHANNON E LAKE 308 CHESTNUT ST HARRISBURG, PA 17101-2707 11111111'11'Ill'Ill,Ill. -III 0,1111111111.Jri1lr,ll,l'111 111111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. SHANNON E LAKE I. How to Avoid a Finance Charge. a. Grew Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance transient, new special purchases and new other charges t you pay your total "New Balance', In accordance with the Important Notice for payments below, and in time for it to be credited by your payment due date. There a no grace period on cash advances and special trenele s. In addition, there Is no grace period on any transaction t you do not pay the total "New Balance." b. Accruing Finance Charge. Transactions which are not subject to a grace Period are assessed finance change 1) from the date of the transaction or 2) from the date the transaction is processed to your Account or 3) from the first calendar day of the current billing period. Additionally, if you did not pay the "New Balance" from the previous billing parod in full, finance chaps continue to accrue to your unpaid balance until the unpaid balance is pad In full. This means that you may still owe finance charges, even if you pay the entire New Balance Indicated on the front of your statement by the payment due date, but did not do so for the previous marsh. Unpaid finance Chagas are added to the applicable segment of your Account. c. Minimum Finance Change. For each billing Wod that your account is subject to a finance Charge, a rNnimum teal FINANCE CHARGE of $0.50 will be Imposed. d. Temporary Reduction in Financial Charges. We reserve the right to not assess any a all finance charges for any given billing period. 2. Average Daily Baanee (Indudkg New Purchases). Finance charge is Calculated by multiplying the dairy balance of each segment of your account (e.g., ash advance, purchase, special transfer, and special purchase) by the corresponding dairy periodic hoe(s) that has been previously disclosed to you. At the end of each day during the billing period, we apply the airy periodic fete fa each segment of your account to the daily balance of each segment . Than at the end of the billing period, we add up the results of these daily adulaaons to arrive at your periodic fiance charge for each segment. We add up the resuts from each segment to arrive at he trial periodic finance charge for your account. To get the dairy balance for each segment of your Sccount, we take the beginning balance for wen segment and add any new transactions and any periodic finance charge calculated on the previous days balance for that segment. We then subtract acy payments or credits paled as of that day that are allocated to that segment. This gives us the seperete dairy balance for each segment of your account. However, t you paid the New Balance shown on your previous staten*M in full (or t your new balance was zero or a credit amount), new transactions, which pat to your purchase or spedel purchase segments are not added to the airy balances. We calculate the average dally belence by adding all the ally balances together and dividing the sum by the number of the days in the current billing cycle. To calculate your total finance charge, multiply your average dairy balance by the dairy periodic rate and by the nurturer of days in the billing period. Due to rounding on a dairy base or due to minimum finance charge assessment, here may be e vnnence between the calculation and the amount of finance charge actually assessed 3. Annual Percentage Rates (APR). a. The term "Anrruel Percentage Rate" may appear w "APR" on the from of this statement. b. If the code P (Quarterly Prime), L (Ouarierty LIBOR), C (Quadery CD), or S (Bankcaro Prime) appears on the from of this statartlMt next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary quarterly and may Increase or decrease based on the stated Indices, as found In The Well Streat Journal, plus the margin previously disclosed to you. These changes will be effective on de ant day of your billing period covered by your periodic statement ending in the months of January, April, July and October. C, If the code D (Monthly Prime), F (Monthly LIBOR), a G (Treasury LIBOR) appears on the front of your statement real to the periodic rate(s), the Periodic rot" and corresponding ANNUAL PERCENTAGE RATES may vary monthly and may Indrease or decrease based on the stated Indices, as found in The Well Street Journal, Plus the margin previously disclosed to you. These changes wtl be effective on the first day of your biting period each morth. a. Assessment of Late, Ovemme and Returned Payment Fees. Under the terns or your customer agreement, we reserve the right to waive or not to assess any fees without prior notacatlon to you without weaving our right to assess the same or slmfar fees at a later time. 5. Membership Fee and Renewing Your Account. If a mertbership fee appeals on this statement, we will credit the fee t you request to dose your account within 30 days of the mailing of this statement. You may continue to use its accoiml during the 30 day period before your request. If you a not pay all Charges owed on this account with in fA days, or lt you we your credit Card or account after you request to close, any membership tee previously waived may be reinstated to your account. e. Clo" or Suspending Your Account. You may request that your account be closed by calling or writing our Customer Relations Department. At the time of your request, we will provide you with adtlhbal details on closing your account . This may Include payment information. If you we your credos Card or cages pat to your account after you ask w to close your account, we Can keep your account open or reopen lt. We may close or suspend your account and your right to obtain crWM, We may do this at any time and for any ressa, even t you art not In default. A susperalon of your account Can be permanent or temporary. m your account Is closed or suspended, you m uld stop wing your credit Cant and account. You must SOW arneal all Prsaurhorized billing arrangements to the account. We will not de this to you. If we claw or permanently suspend your account. you oust also destroy all credit Cards and account access checks. You must still pay all amounts you owe a on the account. even if they were Charged after your account Is closed a suspended. 7. Making Payments. Payments you mail to us will be credited to your account a of the business day we receive t, provided (1) you send the bottom portion of this statement and your check In the enclosed rentlttance envelope and (2) your payment Is received in our processing caller by 3pm ET (12 noon PT). Plate* allow at least five (5) business days for postal delivery. Payments received by us at any other locaffon or In airy other form may not be credited as of the day we receive them Our business days are Monday through Changing Address? Address .......................... Home Phone ..................... Alternate Phone ..................... E-mail Address ..................... Please print address or phone number changes above using blue or black ink. 8. Notice About Electrons: Check Conversion. When you pmvlde a check as payment, you authorize us ether to use information from your check to make a one-time electronic fund transfer from your depose account or to Process the payment ad a check transaction. When we use Information from your check to make an electronic fund transfer, funds may be withdrawn from your depose account as soon as the Same day we receive your payment, and you will not receive your check back from your financial institution. Your authorization is not limited by the date on the check. We may resubmit and electronically collect returned Payments. 9. Bankruptcy. If you are eMted to bankruptcy protechons for your scoomt, this communloatlon is only for informational purposes. It is not an attempt to collect, assess or recover a debt or claim. Do not send any payments directly to us without speaking with your bankruptcy attorney or the Bankruptcy Court. If you want to contact us about your account or your bankruptcy proceeding, pease have your attorney contact us. TBILLING RIGHTS SUMMARY (In Case of Errors or Ouesbons abet Your Bill) if you think your bill Is wrong, or t you need more information on a trammotion or bill, write to us on a separate sheet as soon as possible at the address for inquiries sham on the front of this statement. We must hear from you no star than 80 days after we sent you the first bill on which the srtor or problem appeared You an all our Customer Relations number or notify us by email or webahe, but doing so will not preserve your rights. In your IWter, give us he following information: your name and account number. the dollar amount of the suspected error. a description of the error and an wolanalen. it possible, of why you believe mere Is an error; or t you need more Information. a description of the tom you are unsure about. You do not have to pay any amount in question while we am investigating R. but you are still obligated to pay the parts of your bill that are not in question. While we imestigete your question, we Cannot report you as delinquent or take any action to collect the amount you question. t Spec at Rua for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card and you have tried In good faith to correct the problem with the trenchant, you may have the right not to pay the remaining amount due on the property or services. You have this protection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 MISS of your mailing address. Of we ten or operate the merchant, or 0 we mailed you the e(lvwtls~ fa the property or services, all purchases are Covered regardless of amount or location of purchase.) Please remember to sign all comespoMence. t Does not apply to business accounts Capital One supports Information pmacy protection sea our "bate at mID .cati teigN.ggm Capital One Is a federally registered write -mark of Capital One Financial Corporation. Al rights reserved. 020D8 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 L? statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. MAKE A PAYMENT. AND TAKE CONTROL wnatsfnyourwa„et? 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 f= check by phone service or speak to an associate by calling 1.800.955.6600. © 2009 Capital One. Capita! One is a federalo registered s m4ce mark. All rights reserved FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $945.89 - $0.00 + $14.62 + $78.00 = $1,038.51 $193.00 Oct. 05, 2009 Aug. 11, 2009 - Sep. 10, 2009 Page 1 of 1 Visa Platinum Account \l 4003.448&8310-0814 Your Account Information C AROS' TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $0.00 'Finance Charges (Please see reverse for important information) Balance fate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases 596170 0.04904% D 1790% $14.62 Cash $0.00 0.06822% D 200% $000 \ANNUAL PERCENTAGE RATE applied this period: 17.90% Q At Your Service - Go to wwx.ceoitabne.com to manage W acmum, or Cat 1-800-95&7070 to report a bst or stolen card or speak to Customer Relations 0 Pay Onlltte at www.caoitabne.com or met your payment to Capital One Bank (USA), N.A. - P.O. Box 71083 • Chrrbtte, NC 28272-1083 A Send Inquiries to: Capital One, P.O. Box 30285 • Sat Lake City UT 84130.0285 .© Manage your Rewards online by visiting ===-H. PLEASE PAY AT LEAST THIS AMOUNT You're behind by three payments. But you can bring your account current by paying the minimum payment amount on your statement. If you're having financial difficulties and you're feeling overwhelmed - we want to help. Give one of our associates a call at 1.800.955.6600. You'd be surprised what we can do together to work this out. Rewards Summa Previous available balance: $31.62 Earned this period. $000 (reflects transactions posted during this Ming cycle) Available Balances $31.62 Payments, Credits & Adjustments Transactions 1 04 SEP PAST DUE FEE $39.00 2 10SEP OVERLIMIT FEE SEP 10, 2009 $3900 Your account has gone over its credit limit. To avoid additional overlimit fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past dice 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. ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalone.com/chsputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONUNE. 1 4003448683100614 10 1038510003800193009 CWM Account Number: 4003-4486-8310-0614 Due Date New Balance Minimum Payment Amount Enclosed Oct. 05, 2009 $1,038.51 $193.00 PLEASE PAY AT LEAST THIS AMOUNT GO GREEN. SAVE GREEN! Pay online and save money on stamps. Sign up at www.capitalone.com R9025472237838001t1 SHANNON E LAKE 308 CHESTNUT ST HARRISBURG, PA 17101-2707 nth,1,IrI,ILlllllllrrrrlllll'IllhllydllllllrlLrLrhlrlrlll Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIII -III -IIIII -II -hIII'Irrllltllr?llrl lllrfl?rllllllllrllll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. SHANNON E LAKE 1. How to Avoid a Finance Charge. a.Grace Period. You will have a minimum grace period of 25 days without finsrce charge oti new purchases, new ... initiative, new special purchases and new other charges d you pay your total "New Balance", in accordaos with the Important Notice for payments below, and in time for ft to be credited by your payment due date. Theis is no grace period on cash advances and special transfers. In addition, there Is no grace period on any transaction if you do not pay the total "New Balance." b. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the date of the transaction or 2) from the date the transaction is processed to your Account or 3) from the first calendar day of the current billing period. Additionally, d you did not pay the "Now Balance" from the previous billing period in full, finance charges continue to accrue to your unpaid balance, until the unpaid balance is paid in full- This means that you may still owe finance charges, even it you pay the smile New Balance Indkwted on the from of your statement by the payment due date, but tla rot do so for the previous month. Unpaid finance charges ale added to the applicable segment of yourAccc m. c. Minimum Finance Charge. For each billing period that your accoum Is subject to a finance charge, a minimum total FINANCE CHARGE of 50.50 will be Imposed. d. Temporary Reduction In Finance Charges. We reserve the right to not assess any a all finance charges for any given baling Period. ?'. 2. Average Daily Balance (Including Now Pulchome). Finance charge Is calculated by multiplying the dally balance of each segment of your account (e.g., cash advance, purchase, special transfer, and special purchase) by the corresponding daily periodic rate(s) that has been previously disclosed to you. At the and of each day during the billing period, we apply the dairy periodic rate for each segment of your account to the daily bahmoe of each segment. Than at the and of the billing period, we add up the results, of these dally calculaacns to arrive at your Periodic seance charge for each segment. We add up the results from each segment to Arrive at the total periodic finance charge fa your account. To get the dally balance for each segment or your account. we take the beginning balance for each segment and add any new tlensectbrs and any periodic finNCe charge calculated on the previous day's balance for that segment We than subtract any payments w credits posted se of that day that ale allocated to that segment. This gives a the separate daily balance la each segment or your account. However, a you paid the Nev, Balance shown on your previous statement in full (or if your new balance was zero a a credit amount), new transactions, which post to your purchase w special purchase segments an not added to the daily balances. We calculate the average dairy balance by adding all the dairy balances together and dividing the sum by the number of the days In the currant billing cycle. To calculate your total finance charge, mudipy your average daily balance by the daily periodic rate and by the number of days in the billing period. Due to mantling on a dally basis w due to minimum finance charge asessmem, there may be a variance between this calcu" on and the amount of finance charge actually aaessed. 1 Annual Percentage Rates (APR). a. The ton "Annual Percentage Rate" may appear as "APR" W the front of this statement. b. If the code P (Quarterly Prime), L (Quarterly LIBOR), C (Quarterly CD), or S (Bankcard Prime) appears on the front of this statement nest to the periodic: rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very quarterly and may Increase or decrease based on the stated indices, as found in The Wall Street Journal, plus the margin previously disclosed to you. These changes will be effective on the first day of your billing period covered by your periodic statement andmi; In the months of January, April, July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), a G (Treasury LIBOR) appears on the front of your staternem nerd to the periodic rate(s), the periodic raise and corresponding ANNUAL PERCENTAGE RATES may very monthly and may Increase w decrease based on the stated indices, a found in The Wall Street Jimmal, plus the margin previously disclosed to you. These changes will be affective on the first day of your billing period each month. 6. Ass aksma it of Late. Ova"" and Returned Payment Fees. Under the terms of your customer agreement, we reserve the right to waive m nor 10 assess any fees without prior nobflMion to you without waiving our right to assess the same w similar fees at a aer time. 5. Membership Fee and Reviewing Your Account. If a membership fee appears on this statement. we Wit credit the tee It you request to dose your account within 30 days of the mailing or this statement You may continue to use the account during ins 30 day period before your request. If you do not pay all charges owed W this account with In 90 days, a If you use your credit cam w account after you request to close, any membership fall previously waived may be reinstated to your acCOUM. e. Closing or Suspending Your Account. You may request that your account be closed by calling or writing our Customer Relations Department At the time of your request, we will provide you with additional details on closing your account . This may mouths payment intomafon. If you use your credit card a charges Post to your aoc.rd an. you ask us to close your account, we can keep your account open w reopen it. We may close or suspend your account and your not to obtain cnedd. We may do this at any time end for any reason, even d you ale rot In defsuft. A suspension of your account can be permanent or temporary . If your account N closed w suspended, you must stop wing your credit card and account. You must also cancel all preauthorized billing arrangements to the socoum. We VIII not kit this for you. If we cane a permanently suspend your account, you must also destroy all credit tends and account access checks. You meet still pay all amounts you owe us on the account even If they were charged after your account is closed a suspended. 7. Making Paynnefft Payments you mail to us will be credited to your account as of the business day we receive ft. provided (1) you send the bottom portion of this stelerrlem and your deck in the encksed remittance envelope and (2) your payment is received In our processing center by 3pm ET 112 noon PT). Please allow at least five (5) business days for postal delivery. Payments received by us at any other location w In any other form may nit be credited a of the day we receive them. Our business days are Monday through Changing Address? Address ................ Home Phone .......................... Alternate Phone .......................... E-mail Address .......................... Please print address or phone number changes above using blue or black ink. B. Notice About Electronic Check Conversion. When you provide a check as payment. you authodze us either to use Intometlon from your check to make a one-time electronic fund transfer from your deposit account a to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receive your payment, and you will not mosWe your check back from your financial institution. Your authorization Is nor limited by the date on the check. We may resubmit and electronically coned returned payments. 9. Bankruptcy. It you are entitled to bankruptcy protections for your account. this communication is only for Infommtional purposes. It is not an all mpt to colec. assess m recover a debt w claim. Do not send any payments directly to us without speaking with your bankruptcy attorney or the Bankruptcy Court. if you want to contact a about your account a your bankruptcy proceeding, please have your attorney contact us. tBILLING RIGHTS SUMMARY On Case of EmNa w Questions about Your Bill) if you mink you bill is wrong. m If you need more information on a transaction or bill. write to us on a separate sheet a soon as Possible at the address for Inquiries shown on ins front of this statement. We moat hear from you no laterthan 80 days after we sent you the first bill on which the error or problem appeared. You can call our Customer Relations number w notify us by email or webete, but doing so will not preserve your rights. In your leder , give us the following Information: your name and account number, the dollar amount of the suspected am. a description of the error and an explanation, it possible, of why you believe there is an error, a if you need mom Information, a description of the Item you are unsure abouL You do not have to pay any amount in question while we ale investigating h, but you ale still obligated to pay the parts or your bill that are not in question. While we lm istigate your question, we cannot report you as delinquent w take any action to tolled the amount you quaetIon. t Special Rule for Credit Card Purchases If you have a problem with the quality or property w services that you purchased with a credit card and you have triad In good faith to correct the problem with the merchant, you may have the right not to pay me remaining amount due on the property w it"l ss. You have this protection only when the purchase price was more than $50.00 and the purchase was made In your home state or within 100 roles of your nailing address. Of we own w operate the merchant. a a we railed you the advertisement for the property W services. all Purchases are covered repato 4 d amounta bcetion ol purchase.) Please remember to sign all correspondence. t Does not apply to business accounts Capital One supports information privacy protection: sea our weosde at vnim, capkelone= Capital One Is a federally registered earvloe mark of Capital One Financial Corporation. All righa reserved. 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 `O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. TAKE CONTROL OF YOUR CAPITAL ONE" your wallet? ACCOUNT AND KEEP IT FROM BEING whaCs !n PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. 500011 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 0 2009 Capital One. Capital One is a federally registered service mark. All righn reserved. FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,038.51 - $0.00 + $15.50 + $39.00 = $1,093.01 $258.00 Nov. 04, 2009 Sep. 11, 2009 - Oct. 10, 2009 Page 1 of 1 Visa Platinum Account 40034488-8310-0614 Your Account Intomtation ? WARDV TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $0.00 ' Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,053.73 0.04904% D 17.90% $15.50 Cash $0.00 006822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 17.80% J AlVh At Your Service - Go to www.caoitabne.oom to manage your sowunt, O or Cat l-M955-7070 to report a lost a stolen cad or speak to Customer Relations 0 Pay Online at www.owiteltne.com a mail your payment b: Capital One Bank (USA), N.A. • P.O. Bm 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: Capital Onir P.O. Box 30285 • Sat Lake Cry, UT 84130-0285 Q Manage your Rewards online by visiting • a Cat 1-800-228-3001 Pu"A" PAY AT LTAST THIS AMOUNT You're behind by four payments. But you can still bring your account current by paying the minimum payment amount on your statement. Need help? Give us a call at 1800 955 6600 Well work together to find a solution. Rewards Summa Previous available balance. $31.62 Earned this period. $0.00 (reflects malsac6ms posted during this bitng cycle) Available Balance: $3162 Payments, Credits & Adjustments 05 OCT PAST DUE FEE $39.00 Your account has gone over its credit limit. To avoid additional ovedimit fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One is Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www caps italone com/disputes PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003448683100614 10 1093010003800258004 W Account Number: 4003-4486-8310-0614 Due Date New Balance Minimum Payment Amount Enclosed Nov. 04, 2009 $1,093.01 $258.00 PLEASE PAY AT LEAST THIS AMOUNT #9028472237838008# SHANNON E LAKE 308 CHESTNUT ST HARRISBURG, PA 17101-2707 It 11,11 BE SAFE! Your trash could be an identity thief's et) gold. Manage your account online and end the paper trail. Sign up at www.capitaione.com Capital One Bank (USA), N.A. P.O. Box 710&3 Charlotte, NC 28272-1083 1111111-III 11111-Il-IIIIII1hhIIll1I -lint III 11 IIIIIIIl?l111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. SHANNON E LAKE I. How to Avoid a Finance Charge. a. Grace Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance tensfers, new special purchases and new other charges 9 you pay your toot'Naw Balance", in accordance with the Important Notice for payments below. and in bone for it to be credited by your payment due date. There is no grace panod on cash advances and special ministers. In addition, there Is no grace period on any transaction 9 you do not pay the total New Balance." I. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the date or the transaction or 2) from the date the Iransectbn is processed to your Account or 3) from the (fret Calendar day of the current billing period. Additionally, If you did not pay the "New Balance" from the previous billing period in full, finance charges continue to accrue to your unpaid balance until the unpaid balance is pad In full. The means that you may still owe fiance Charges, even it you pay the a if. New Be[.- indicated on the front or your statement by the payment due des, but did not de so for the previous month. Unpaid finance charges are added to the applicable segment or your Account, c. Minimum Fire- Charge. For each billing period that your account Is subject to a firence charge, a minimum total FINANCE CHARGE or $9.50 will be imposed. it Temporary Reduction in Fiance Charges. We reserve 'i. the right to not assess any or all fiance charges for any given billing period. 2. Average Daily Balance pnctudlog New Purchases). Finance Charge IS alculated by multiplying the dally balance of each segment or your account (e.g., Cash advance, purchase, special safer, and Special purchase) by the corresponding daily periodic Me(s) that ha been prevdusy disclosed to you. At the and of each day during the billing period, we apply the airy periodic rate for each segmem or your account to the daily balance of Won segment. Than at the and of the billing period, we add up the resutla or these airy calculations to arrive at your periodic chance charge for each segment We add up the rasute from earn segment to arrive at the total periodic fine- charge for your account To gat the daily balance for itch segment of your account. we take the beginning balance for each Segment and add any new tnuescilons and any periodic finance charge Calculated on the previous days balance for that segment we than subtract any payments or credo posted as of that day that are allocated to that segment. The gives us the separate airy balance for each segment or your account. However, t you pad the New Balance shown on your previous statement In full (or if your new balance was zero or a credit amount), new transactions. which post to your purchase or special purchase segments are not added to the defy balances. We adulate the average airy balance by adding leg the dally balances together and dividing the sum by the number Of the days In tin current billing cycle. To Calculate your total file- charge, muiliply your average dally balance by the dairy periodic me and by the number of days in the billing period. Due to rounding on a daily base or due to minimum fine" charge assessment. there may be a valence between this actuation and the amount of finance Charge actually assessed. 3. Annual Percentage Rates (APR). a. The term "Annual Percentage Rate" may appear as "APR" on the from of this statement. b. If the code P (Quarterly Prime). L (Own" LIBOR). C (Ouartery CD), or S (Bankcam Prins) appears on Ina from of this stMerrem next to the periodic rate(s), the periods rotes and corresponding ANNUAL PERCENTAGE RATES may very quay" and may increase a decrsesa based on the stated indlees, as found in The Wall Street Jwmsl, plus the margin previously disclosed to you. These changes will be effeMiva on the first day or your billing period coversd by your periodic statement ending in the months of January, April, July and October. c. If the code D (Monthly Prime), F (Mordhly LIBOR), or G (Treasury LIBOR) appears on the from or your statemert next to the periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may vary monthly end may Increase a decease based On the stated Indies, a found In The Well Street Journal, pus the margin previously decdsed to you. These charges will be effective on the first day of your billing period each month. 4. Asseasm ni of Late, OveranN and Returned Panniers Fees. Under the lama of your customer agnemert, we reserve the right to waive or not to assess any fees without prior motf 0lon to you without weMng our right to Mesas the same a similar fees M a later time. 5. MsmbaMlp Fee and Reaming Your Account. It a membership Ica appears on this Statement, we will credit the fee If you request to cane your account within 30 days of the mailing of On statement. You may continue to use the acco M during Me 30 day Wool before your request. "you do not pay all charges owed on the account with In 90 days, or it you use your credit Cam or account after you squat to close, any membership fee previously waived may be reinsMed to your account. 8. Closing or Suspending Your Account. You may request that your scccum be closed by Calling or writing Our Customer Relations Department. At the Mme a your request, we will provide you with additional details on closing your account. This may include payment information . If you use your mdd Cam or charges pmt to your account sifter you ask us to clone your ecoourd, we Can keep your account open or reopen it. We may close or Suspend your account and your right to obtain cfWIL We may do this at any time and for any reason, even If you are not In defeum. A suspemnlon of your account Can be permanent or temporary. If your account is closed or suspended, you mat stop using your credit Cad and account You must also anal ON pmeauthodzed billing aanganrems to the account. We win not do this for you . If we close or partronw" suspend your account, you must also destroy all credit Cara and arobowtt access checks. YOU must suit pay all amounts you own us on the account, even 9 they wake charged after your account Is closed or suspendad. 7. Making Payments. Payments you mall to us will be credited to your account es of the business day we receive it, provided (1) you send the bottom portion of this statement and your check In the enclosed munifience envelope and (2) your payment a received In our processing toner by 3pm ET (12 noon PT). Pane Meow at least five (5) business days for postal delivery. Payments received by us at any other location or In any drier form may not be credited a of the dry we receive them. Our business days ate Monday through Changing Address? Address ........................................................................................... Home Phone Alternate Phone E-mail Please print address or phone number changes above using blue or black ink. 8. Notice About Electronic Check Conversion. Wham you provide a check a payment. you authorize us either to use Informs ion from your check to make a on"me electronic fund transfer from your deposit account or to process the payment a a check transaction. Wham we use Imormalbn from your check to make an electronic; fund transfer, funds may be withdrawn horn your deposit account as soon as the sarre day we receive your payment, and you will not receive your check back from your fiancial institution. Your authorization is not limited by the date on the check. We may resubmit and electronically Collect returned payments. 9. Bankruptcy. If you are embed to bankruptcy pm9actions for your account. this communication Is only for Informational purposes. It Is not an attempt to collect, assess or recover a debt a claim. Do not send any payments directly to ua without speaking with your bankruptcy attorney or the Bankruptcy Court. 9 you want to Contact us about your account or your bankruptcy proceeding, pesse have your attorney Contact us. tSILLING RIGHTS SUMMARY (In Case of Effort; or, Questions about Your Bill) If you think your bill is wrong, or If you need more information on a transactor) a bill, wnte to ue on a separate sheet as soon as possible at the address for inquiries shown on the front of this am~. We mind hear from you no Mar than 80 days Sher we Sam you the find bit on which the ens or problem appeared. You Can Cell our Customer Relations hunker or notify us by email or websfle, but doing so will not preserve your rights. In your later. give us the following Inform: your name and account number. the dollar amount of the suspected error, a description or the error and an explanation, 9 possible, or why you believe there a an senor, a 9 you need more Information, a description of the Rem you are unsure about. You do not have to pay any amount in question while wit era imatgOrig it. but you are still obligated to pay the parts of your bill that are not in question. While we Investigate your question, we Cannot report you as delinquent or take any action to Collect the amount you question. t Special Rue for Credit Cam Purchases If you have a problem with tie quality of property or services that you purchased with a credit Cam and you have tried in good faith to correct the problem with the merchant. you may have the right not to pay the remaining amount due on the popery, or services. You have this protection only when the purchase price was more than $50.00 and the purchase wit men In your home sale or within 100 miles of your mallig address. (It we own or operate tiro merchant, Of 9 we mailed you the advertisement for the property or services, all purchases are Covered regardless of annum or location of purchase.) Please remember to sign all correspondence. t Dow not apply to bmfnesa accounts Capital One supports information privacy protection: sea our wsbaite at wypygamtab?Bil.gglfl Capital One Is a federally registered service mark of Capital One Financial Corporation. All rights reserved. 020D8 Capital One 1 - 0328/08 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: Q • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your `O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. 5WO12 what's In your wallet? IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 0 2009 Capital One. Capital One is a federally registered service mark. AU rights reserved FINANCE Previous Balance Payments 8 Credits CHARGE Transactions New Balance Minimum Payment Due Date $1,093.01 - $0.00 + $16.87 + $78.00 = $1,187.88 $325.00 Dec. 05, 2009, ? /? J ? J L J L J? J? J Oct. 11, 2009 - Nov. 10, 2009 Page 1 of 1 Visa Platinum Account ?. 4003.4488.8310.0814 Your Account Information WARDS' TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $0.00 Fnance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,109.91 0.04904% D 17.90% $16.87 Cash $0.00 0.06822% D 24.90% $0.00 ?NNUAL PERCENTAGE RATE applied this period: 17.9011 J O At Your Service - Go b www.caodabne.oom to manage your account, or Cat 1-800-955-7070 to report a bst a sbbn card a speek to OAbmer Relations Pay Online at www.cao tebm com a mail your payment b: Capital One Balk (USA), N.A. • P.O. Box 71083 • Charttle, NC 26272-1083 A Send Inquiries to: Capital One, P.O. Box 30285 • Sat Lake City, UT 84130-0285 Q Manage your Rewards online by visiting • a Cat 1-800.228-30M ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www caoitalone com/dsoutes PLEASE PAY AT LEAST THIS AMOUNT You're behind by five payments. If you continue to miss payments your account is at risk of being charged off. Please don't let this happen. If you're feeling overwhelmed, call us at 1.800.955.6600. We'll work with you to resolve this matter. Rewards Summa Previous available balance: $31.62 Earned this period: $0.00 (reflects transactions posted during the b ling cycle) Available Balance. $3162 Pater _nts, Credits & Adjustments Transactions 1 04 NOV PAST DUE FEE $3900 2 10 NOV OVERLIMIT FEE NOV 10, 2009 $39.00 Your account has gate over its credit limit. To avoid additional overlimit fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for 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. Account Number: 4003-4486-8310-0614 Due Date New Balance Minimum Payment Amount Enclosed Dec. 05, 2009 $1,187.88 $325.00 PLEASE PAY AT LEAST THIS AMOUNT 1 4003448683100614 10 1187880003800325006 #903157223783800011 SHANNON E LAKE 306 CHESTNUT ST HARRISBURG, PA 17101-2707 Illlrll - rllrlhIIIIIPPrlrHlrIIIII I IIIInnlllrrnr.I I II..IIII I GO PAPERLESS! The trees will thank you. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 73083 Charlotte, NC 28272-1083 tllllltrlllrrltlll?llrlllllltrrllllltrrllrlrlllrllrrllllllllrllll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. SHANNON E LAKE I. How to Avoid a Finance Charge. a. Grace Period. You will have a minimum grace period of 25 days without finance charge on new purchases, new balance transfers, new special purchases and new other charges it you pay your total'New Balance", in accordance with the Important Notice for payments below, and In time for tt to be credited by your payment due dale. There a no grace period an cash advances and special transient. In addition, there is no grace period on any transaction it you do not pay the teal "New Balance." b. Accruing Finance Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the date of the transaction or 2) from the dale the transaction is processed to your Account or 3) from the first calendar day of the current billing period. Additionally, it you did not pay the "Now Balance" from the previous billing period in full, finance charges continue to accrue to your unpaid balance until the unpaid balance is pad In full. This means that you may still owe Me- charges, even it you pay the entire New Balance indicated on the frond of your statement by the payment due dale, but did not do so for the previous month. Unpaid finance charges are added to the applicable segment of your Account. c. Minimum Finance Chergs. For each billing period that your account is subject to a ficena charge, a ranimum total FINANCE CHARGE of $0.50 will be Imposed. d. Temporary Reduction in Finance Charges. We reserve the right to not assess any or all finance charges for any glm billing peda& 2. Average Call Balance Qncludi g New Pumhases). Finance charge is calculated by multiplying the dairy balance of each segment of your account (e.g., cash advance, purchase, special transfer, and special purchase) by the conesponding dairy periodic male(s) that has been pmlio sly disclosed to you. At the are of each day during the billing period, we apply the duty periodic rate far each segment of your account to the dally balance of each segment. Than at the end of the billing period, we add up the issues of these dairy calculations to arrive at your periodic finance charge far each segment. We 000 up the results from each segment to arrive at the total periodic finance charge for your account To gat the dally balance for each segment of your sotou n, we take the beginning balance for each segment and add any new transactions and any periodic finence charge tabulated an the previous day's balance far that segment We then subtract any payments or credits posted as of that day that are allocated to that segment. This gives us the separate dairy balance tar each segment of your account. Howev-, it you paid the New Balance shown on your previous statement in full (or it your new balance was zero or a credit amount), new transactions, which pmt to your purchase or special purchase segmens are not added to the daily balances. We calculate the average dairy balance by adding all the dairy balances together end dividing the sum by the number of the days in the current billing cycle. To calculate your total finance charge, multiply your average dally balance by the daily periodic rate and by the number of days in the billing period. Due to rounding on a dairy basis or due to minimum finance charge assessment. in" may be a variance between this calculation and the amount of finance charge actually assessed. 3. Annual Percentage Rata (APR), a. The term "Annual Percentage Rate" may appear as "APR" on the from of this staternaM. b. It the code P (Quarterly Prime). L (Quarterly LIBOR), C (Quarterly CO). or S (Bankcam Prime) appears on the from of this stet-hard next to the periodic mate(s), the periodic miss and corresponding ANNUAL PERCENTAGE RATES may vary quartady and may Increase or deerease baited on the stated Indices, as found in The Well Street Journal. plus the margin previously disclosed to you. These changes will be effective on the first day of your billing period covered by your periodic statement ending In the months of January, April, July and October. c. If the code D (Monthly Prime), F (Monthly LIBOR), or G (Tressury LIBOR) appears on the front of your statement nits to the perlodle rhe(a), the periodic retail and ears-pmding ANNUAL PERCENTAGE RATES may very monthly and may Increase or decresse based on the stared Indian. as found in The Wall Street Journal, pus the margin previously disclosed to you. These changes will be effective on the fiat day of your billing period each month. 0. Assessment of Late. Overaral and Returned Payment Fees. Under the tertns of your custom- agnse"'d we reserve the right to wale or not to stakes any fees without prior notitlcall0n to you without waling our right to assess the some or similar fees of a War time. 5. MemEarelMp Fee and Renewing Your Account. If a mambaBhlp fin appears on this statement. we will credit the fee it you request to close your account within 30 days of the calling of this statement. You may continue to use the account during the 30 day period belong your request. If you do not pay all charges owed on this account with in W days, or it you use your credit card or account after you request m close, any membership fee previously waled may be reinstated to your account. d. Closing or Suspending Your Account . You may request that your account be closed by calling or writing our Customer Relations Department. At the firm of your request, we will provide you with additional details on closing your account . This may Include payment IMarm ition. It you use your croon card or charges post to your account after you ask us to else your account, we can keep your account open or reopen it. We may close or suspend your account and your right to obtain credit We may do this at any time and for any reason, even it you am not In defaua. A suspension of your account can be permanent a temporary. If your account is closed of suspended, you must stop using your cradn card and account. You must also cancel all pr iouthonzeo billing arrangements to the account. We wall not do this for you. It we class or permanently suspend your account, you must also destroy all credit cards and a xc u n esmsa checks. You must still pay ad amounts you owe us on the account , even it they were charged alter your account Is aimed or suspended. 7. Making Paymnts. Payments you mall to us will be credited to your account as of the business day we receive it, provided (1) you send the bottom portion of this statement and your check in the warmed mnmame envelope and (2) your payment is received in Our processing center by 3pm ET (12 noon PT). Please allow at least me (5) business days for postal delivery. Payments received by us at any other location or In any older form may not be credited as of the day we receive them. Our business days are Monday through Changing Address? Address ................ Home Phone...... Alternate Phone...... E-mail Address...... Please print address or phone number changes above using blue or black ink. S. Notice About Electronic Check Conversion. When you provide a check as payment. you authorize us either to use information from your check to make a one-time electronic fund transfer from your deposit account or to process the payment ae a check ministration. When we use information from your check to make an electrons : fund tremfer. funds may be wind nth from your deposit account es soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Your aulhodiatlon Is not limited by the date on the check. We may resubmit and electronically collect returned payments. 9. Bentouplcy. If you are emitted to bankruptcy protections to your account, this communication Is Only for informational purposes. It is not an attempt to tolled, assess or recover a debt or claim. a not sand any payments Wmcty to us without speaking with your bankruptcy attorney or the Bankruptcy Court. A you went to contact us about your account or your bankruptcy proceeding, pleese have your attorney contact us. tBILLING RIGHTS SUMMARY (In Case of Errors a Questions about Your Bill) If you think your bill Is wrong, ar it you need fom imortnatlon on a transaction or bill, write to us on a separate sheet as soon as possible at the address for inquires sham on the from of this stabllmaM. We must heat from you no later than 80 days after we earn you the first bill on which the error or problem appeared. You can call our Customer Relations number or notify us by email or weosite, but doing so will not preserve your rights. In your after. give us the following information: your name and account number, the dollar amount of the suspected error. a description of the error and an explanation, it possible, of why you believe there is an offal or it you need more Information, a description of the item you are unsure about. You do not have to pay any amount In cant while we are investigating it. but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question. we canna report you as delinquent or take any action to colked the amount you question, t Special Rule for Credit Card Purchases n you have a problem with the quality of property or services that you purchased with a credit card surd you have tried in good fain to correct the problem with the merchant. you may have the right not to pay the remaining amount due on the property or services. You have this protection any when the purchase price was more than $50.00 and the purchase was made in your torte stare or within 100 miss of your making address. (If we Own or operas the narchao, or it we trolled you the advertisement for the property fir services, an purchases are covered regardless of amount a location of purchase.) Please remember to sign all correspondence - t Case not apply to business accounts Capital One supports information privacy protection see our website at ymoa.capildiflons ad, Capital One Is a federally registered senior mark of Capital One Financial Corpo aloe. Ad rights reserved. 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 `O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. 0 • Last but not least, be sure to write your 16-digit account number on your check. - what's in your wallet] 500013 IT'S TIME TO TAKE CONTROL OF YOUR DEBT. WE'RE HERE TO HELP. Even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by the due date to eliminate the risk of being charged off. ® 2009 Capital One. Capital One it a federally registered rervire mark. AM rights remved FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date \ $1,187.88 -` $0.00 i +? $17.72 J+? $78.00 $1,283.60 J? $394.00 J `an.04,2010J Nov. 11, 2009 - Dec. 10, 2009 Page 1 of 1 r/ Visa Platinum Account 4003.4488.8310.0814 Qftas* Your Account Information ARDF TOTAL CREDIT LINE $750.00 TOTAL AVAILABLE CREDIT $0.00 CREDIT LINE FOR CASH $375.00 AVAILABLE CREDIT FOR CASH $0.00 r rInance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $1,204.17 0.04904% D 17.90% $17.72 Cash $0.00 0.06022% D 200% $0.00 ANNUAL PERCENTAGE RATE applied this period: 17.90% J Q At Your Service - Go to www.caoitabrle.com to marage your acmurd, or Cat 1800-955-7170 to report a lost or skilen cad or apeek to Wsbma Relations 0 Pay Online at www.ceoitebne.com ar mail ym payment to: CepiW One Benk (USA), N.A. • P.O. B. 71083 • Chabile, NC 28272-1083 A Send Inquiries to: Capital One- P.O. Box 30285 • Set Lake City. UT 84130-0285 O manage your Rewards online by visiting e air Cet tA00.22&3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.capitalone.com/disputes PLEASE PAY AT LEAST THIS AMOUNT You're behind by six payments. If we charge off your account due to late or missed payments, finance charges will continue to accrue. Act now to prevent this from happening. Please pay the minimum payment amount on your statement or give us a call at 1.800.955.6600. Were here to help Take control of your credit with Capital One. Rewards Summary Previous available balance: S31.62 Earned this period: $0.00 (reflects trenswitorw posted during Ns ding cycb) Available Balance: S3162 Payments, Credits & Adjustments Transactions 1 05 DEC PAST DUE FEE $39.00 2 10 DEC OVERLIMIT FEE DEC 10, 2009 $3900 Your account has gone over its credit limit. To avoid additional ovedimit fees, you should pay more than the Minimum Payment. Please pay enough to bring your account balance below your credit limit immediately, and make sure your account balance remains below your credit limit. Please be sure the amount you pay accounts for any future purchases, fees, and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for 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. C01110 W- Account Number: 4003-4486-8310-0614 Due Date New Balance Minimum Payment Amount Enclosed Jan. 04, 2010 $1,283.60 $394.00 PLEASE PAY AT LEAST THIS AMOUNT 119034572237838007# SHANNON E LAKE 306 CHESTNUT ST HARRISBURG, PA 17301-2707 nrlilr,nllrlrrl,lhl IIrIIIIrIUnnl?Irl9rIPIIIIPIhII???? 1 4003448683100614 10 1283600003800394007 ORGANIZATION MADE EASY. Forget the filing. Manage your account online and simplify your life. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 28272-1083 IIIIII1-Illrrlllll-ll-lllllllrrllllll-rll-I.IIII II ?IIIt IIIFIIIl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. SHANNON ELAKE 1. How to Avoid a Finance Charge. a. Grace Period. You will have a minimum grace period of 25 days Without finance Charge on new purchases, now balance transfers, new special purchases and new other charges if you pay your total'Wew Balance", in accordance with the Important Notice for payments below, and in time for a to be credited by your payment due dale. There a no grace period on cash advances and special transfers. In addition, there is no grace period on any transaction it you do roll pay the total "New Balance." D. Accruing Finance. Charge. Transactions which are not subject to a grace period are assessed finance charge 1) from the date or the transaction or 2) from the date the transaction is processed to your Account or 3) from the first calendar day of the current billing period. Additionally, it you did not pay the "New Balance" from the previous billing period in full, finance charges Continue to accrue to your unpaid balance until the unpaid balance is paid in full. This means that you my still owe finance charges, even it you pay the entire New Balance Indicated on the front of your statement by the payment due date, but did not do so for the previous month. Unpaid finance charges are added to the applicable segment or your Account. c. Minimum Finance Charge. For each billing period that your account is subject to a finance charge, a minimum total FINANCE CHARGE of $8.50 wile be Ir posed. d. Temporary Reduction in Finance Chagas. We reserve the right to not assess any or all finance charges for any given billing Period. 2. Average Daly Balance (including New Purchases). Finance charge is calculated by multiplying the daily balance of each segment of your account (e.g., Cash advance, purchase, special transfer, and special purchase) by the Corresponding daily perbtllo rate(s) that has been previously, disclosed to you. At the and or each day Curing the billing period, we apply the daily periodic rate for each segment of your account to the daily balance or each segrtant Than at the end of the billing period. we add up the moults of these dally coculaeons to arrive at your Periodic finance charge for each segment. We add up the results from each segment to arrive of the total Periodic finance Charge for your account. To gin the daily balance for each segment of your account, we mks the beginning balance for each segment and add any new transactions and any periodic firence charge calculated m the previous days balance for that segment. We than subtract any payments or cmdfm posted as of that day that am allocated to that segment This gives us the separate ally balance for each segment of your account However, V you paid the New Balance shown on your previous statement in full (or e your new balance was zero or a credit anount), new transitions. which post to your purchase or special purchase segments am not added to the dally balances. We calculate the menage daily belence by adding all the dally balances together and dividing the sum by the number or the days in the current billing cycle. To calculate your total finance charge, multiply your merage daft' balance by the daily periodic rate and by the number or days in the billing period. Due to rounding on a dally bass or due to minimum finance charge assessment, them may be a verience between this calculation and the amount or finance charge actually assessed. 3. Annual Percentage Rates (APR). a. The tens "Annual Percentage Rate" may appear as "APR" on the front of this statement. b. It the code P (Quarterly Prime), L (0-telly LIBOR), C (Quarterly CO), or S (Bankcard Prime) appears on iM front of this statement meld to the Periodic rate(s), the periodic rates and corresponding ANNUAL PERCENTAGE RATES may very quarterly and may Increase or decrease based on the stated Indices, as found In The Well Street Journal, plus the margin pravlousy disclosed to you. These Changes will be effective on the first day of your billing period covered by your periodic: statement ending In the months of January, April, July and October. c. If the code O (Monthly Prime), F (Monthly LIBOR), a G (Treasury LIBOR) appears on the from of your "Verner" nand to the Perlotc roe(s), the periodic rates aid cortasponding ANNUAL PERCENTAGE RATES may very morahy and may Increase W dWM" based on the stated Indices, n found in The Well Street Journal, plus the margin previously disclosed to you. These changes will be effective on the rust day of your billing period "on month. 4. Assessment of Late, Onallmll and Returned Payment Fees. Under the terms of your customer agreement. we reserve the right to walve or no to sessions any fees without prior notification to you without walving our right to assess the some or similar fees at a later Vme. 5. Membership Fee and Ramming Your Account. It a membership fee appears on this statement, we will Credit the fee d you request to close your account within 30 days or the mailing of this statement. You may continue to use the account during the 30 day period before your request. If you do not pay all charges owed on this account with In 90 days, or V you we your credit Card a account alter you request to close, any membership fee prsvloWly warned may be reinstated to your account. 8. Closing or Suspending Your Account. You may request that your sdcount be closed by Calling or writing our Customer Relations Department. At the firms of your request, we, will provide you with additional datees on closing your account . This may Include payment Information . If you use your credit cad or changes post to your account offer you ask us to close your account, we can keep your account open or reopen a. We may close or suspend your account and your right to obtain credit We nay do this at any time and for any reason, man V you am not In default. A suspension or your account Can be permanent or temporary. If your account is closed of suspended, you most stop Wing your cmdR Card and account. You must also Cancel all preau[hodnd billing arrangements to the account. We wilt not do this for you. It we dose or permanently suspend your aCCOUnt, you must also destroy all credit Cards and 9eCOUnt access checks. You must still pay all amounts you owe us on the account ' men If they Were charged after your account Is closed or suspended. T. Making Payments. Payments you malt to us will be credited to your account se or the bustrau day we receive a, provided (1) you send the bottom portion or this statement and your check In the enclosed mo iftence srrvelope and (2) your payment Is received In our proaesbg center by 3Pm ET (12 noon PT). Please allow at least five (5) business days for postal delivery. Payments received by us at any other location or In any other form may not be credited as or the day we receive them Our business days am Monday through Changing Address? Address ................ Home Phone...... Alternate Phone...... E-mail Address...... Please print address or phone number changes above using blue or black ink. 81 Notice About Electronic Check Conversion. When you Provide a check as payment, you authorize us either to use Information from your check to mks a onetime electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use irdormatlon from your check to make an electronic fund handler. funds may be withdrawn from your depose account as soon as the same day we receive your payment, and you will not receive your check back from your financial irefir~. Your authorization is not limited by the date on the check. We may resubmit and electronically tolled returned Payments. 9. Bankruptcy. If you are emitted to bankruptcy protections for your account, this communication Is only for Informational purposes. It is not an attempt to coiled, assess or recover a debt or dsim. Do not send any payments directly to w without speaking with your bankruptcy attorney or the Bankruptcy Coun. V you want to contact m about your account or your bankruptcy proceeding, plane have your attorney Contact os. tBILLING RIGHTS SUMMARY On Case or Errors or Questions about Your Bill) If you think your bill Is wog, or 0 you reed more information on a transaction or bill, wine to us on a separate sheet as soon as possible at the address for Inquiries shown on the front of this statement. We must hear from you no later than 80 days after we nerd you the first bill on which the am or problem appeared. You can call our Customer Relations number or notify us by email or webshe, but doing so will not preserve your rights. In your letter, give us the following information: your harts and account number, the dollar amount or the suspected error, a description or the error and an explanation, d possible, of why you believe theta Is an error, or e you need room information, a description of the item you am unsure about. You do not have to pay any amount In question while Ws am Investigating ft. but you am suit obligated to pay Vre pars of your bill that am not in question. While we investigate your question, we cannot report you as delinquent or take any action to coped the amount you question. T Special Rule for Credit Card Purchases V you have a problem with the quality or properly or services that you purchased with a credit card and you have tried in good faith to connect the problem with the merchant, you may have the right not to pay the remaining amount due on the properly or services. You have this protection ony when the purchase price was nom than $50.00 and the purchase was made In your tams sate or within 100 miles of your melling address. (If we own or operate the merchant. or e we healed you the advertisement for the papery or services, all purchases em covered regardless of amount or location of purchase.) Please remerrnher to sign all Correspondence. t Does rot apply to business account; Capital One supports information privacy protection: see our walnuts at wavy distillations co Capita One is a federally registered service mark of Capital One Financial Corporation. All rights reserved. 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 `O statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. I CYCLE # 10 CAPITAL ONE CYCLE FACSIMILE REPORT 12/11/2009 - 01/10/2010 PAGE 6170 ACCT-ID: 02622090705 CARD# 4003448683100614 STMT-TYPE: ENGLISH REWARDS: Y FEE-FOR-BALANCE: N PREV-BAL: $1,283.60 PAYMENT&CREDITS: $0.00 FINANCE CHRGS: $19.79 TRANSACTIONS: $78.00 NEW-BALANCE: $1,381.39 MINIMUM PAYMENT: $466.00 LATE FEE: $39.00 DUE-DATE: 02042010 CREDIT-LIMIT: 750 CREDIT-AVL: O.OC CASH-LIMIT: 375 CASH-AVL: 0.00 OVERALL-APR: 17.900 TPC : VP HOLD: 000 CLOSE-DATE: OOB: N MISS-ADDR: N WATCH: WO CRDT-REV: PD CL: 06 PD: 07 CTC IND: INS: PC: 0000000001 ARCH: N REASON: 00 HARDCOPY: 04 NEW: N EBPP: N SERVICE-OWNER: 000023 SAC-PGM: CLOSE: CHARGED-OFF: XFER: FRAUD: BK-HOLD: NBANKRUPTCY: N CHARGEOFF: N LEGAL: N FRAUD: N TRANSFER: N CTC-CHG-IND: PROBE-IDS: LINE: DELQ: CVLM: AUTH: REIS: PROD: PRIG: USR1: USR2: :;SR3: MESSAGE-IDS: PAST-DUE: INSURANCE: TRIAD M1: TRIAD M2: TRIAD M3: XFR: TBAL C/I BALANCE AMOUNT RATE CORR APR FINANCE CHARGE SHANNON E LAKE Purchases 0001 01 1,301.91 00.0490400 0017.900000000 19.79 3C8 CHESTNUT ST Cash 0002 01 0.00 00.0682200 0024.900000000 0.00 HARRISBURG PA 17101270799 USA TRANSACTION DATA TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D PC CARD NUMBER 01042010 PAST DUE FEE 39.00 01042010 D N4003448683100614 01092010 OVERLIMIT FEE JAN 09, 201 0 39.00 01092010 D N4003448683100614 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Take control of your finances today! (1 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. Page 1 of 1 1-800-258-9319 www.ca pitalo nexom/solutions VISA PLATINUM NEW BALANCE PAYMENT DUE $1,516.70 $1,516.70 Available Credit: $0.00 L 4003-4486-8310-0614 DUE DATE Past Due Previous Balance Payments and Credits 51,465.89 - $0.00 + ? ? J L TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR SHANNON E LAKE #0614 cap?ff- ] Jun. 14 - Sep. 13, 2010 J IMPORTANT ACCOUNT UPDATES Your full balance is due. Any payment you make will reduce your balance and help pay off your debt faster The amount you owe may differ if you've entered into a separate payment agreenrem. Fees Interest Charged New Balance $0.00 + $50.81 = $1,516.70 J FEES INTERESTCHARGED 1 13 JUL INTEREST CHARGE 2 13 AUG INTEREST CHARGE 3 13 SEP INTEREST CHARGE Total Fees This Period Total Fees This Year Total Interest This Period Total Interest This Year 50.00 $78.00 $16.57 $17.12 $17.12 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. 550.81 $155.10 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) to Interest Rate Interest Bearing 14.600% $1,380.71 $50.81 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 4003448683100614 13 0151670000000151674 Account Number: 4003-4486-8310-0614 Due Date New Balance Amount Enclosed Past Due $1,516.70 L J? J ? J SHANNON E LAKE 5316 RAVENWOOD RD nECHANICSBURG, PA 17055-4836 Manage your account online. AQ Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. J Capital One Bank (USA), N.A. P.0• BOX 71083 CHARLOTTE, NC 28272-1083 'IIIIPI„PII11. 111111111111. 1,1,1,11116„I11,1,1 11 11.11. 11.111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How is the Interest Charge applied? Interest charges accrue from the 1) date of the transaction, 2) date the transaction is processed or 3) first calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in full. However, we reserve the right to not assess interest charges at any time. How did you Calculate the Interest Charge? There are several calculations that are used to determine your total interest charge. 1. To get your Daily Balance: 1) take the current balance from when your account charged-off. 2) For each day after, subtract the payment, credits, and adjustments as of that day. The result is the daily interest bearing balance. 2. To find your Average Daily Interest Bearing Balance: 1) add the daily interest bearing balances together and 2) divide the sum by the number of days the interest rate was in effect, 3. Estimate your Total Interest Charge: 1) multiply your average daily balance by the daily periodic rate and 2) multiply the result by the number of days the interest rate was in effect. NOTE. Due to rounding, balance adjustments, or returned payments, this calculation may vary from the interest charge actually assessed, is the 'Payment Due' a Payoff Amount ? No. All stated amounts are owed on the date of the statement. However, because interest, late charges and other charges might change from day to day as provided in your customer agreement, the amount due on the day you pay may be larger. For example, if you pay the amount stated in this statement, your account might still have a balance after your payment is received. Also rote that the amount you owe may differ if you've entered into a separate payment arrangement. Please call the number on the front of the statement for an exact payoff amount. Are there Additional Fees associated with my account? Yes, under certain circumstan- ces, you may be assessed a Returned Payment Fee. You will also be required to pay us all of our actual collection expenses, attorneys' fees and court costs unless the law does not allow us to collect these amounts. We reserve the right to not assess fees without prior notice and without waiving our right to assess a similar fee later. How do I Make Payments? Payments you mail to Capital One will be credited to your account as of the business day they are received, as long as: 1) you send the bottom portion of this statement and your dick in the enclosed remittance envelope, and 2) your payment is received in Capital One's processing centers by 5 pm local time. Please allow at least seven (7) business days for mail delivery. Mailed Payments received by Capital One at any other location or in any other form may not be credited as of the day they are received. Do You Process Paper Checks as an Electronic Funds Transfer? When you provide a check as payment, you authorize us and our agents either to use information from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. Your authorization is not limited by the date on the check. We may resubmit and electronically collect the returned payments. What if 1 file for Bankruptcy? If you are entitled to bankruptcy protection, this communic- ation is for information only, it is not an attempt to collect, assess or recover a debt or claim. Do not send us payments without speaking with your bankruptcy attorney or the Bankruptcy Court. If you have questions about your account or bankruptcy proceeding, please have your attorney contact us. If you or your attorney would like to contact our bankruptcy claims servicer directly, please contact: Capital One PO Box 85167 Richmond, VA 23285-5167 BIWNG RIGHTS SUMMARY (Does Not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must ratify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • You do not need to pay any disputed amounts and related interest charges or fees until we send you a notice about the outcome of our investigation. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, 'd we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. Your Rights H You Are Dissatisfied With Your Credit Card Purchases: R you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or H we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One P.O. Box 30285 Salt lake City, UT 841300285 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do rat pay we may report you as delinquent. Capital One supports information privacy protection: see our website at www,caotalone.com Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved © 2010 Capital One To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions 0 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. Page 1 of 1 1-800.258.9319 www.capitalone.com/solutions VISA PLATINUM 4003-4486-8310-0614 NEW BALANCE PAYMENT DUE DUE DATE $1,566.96 $1,566.96 Past Due Available Credit: $0.00 Previous Balance Payments and Credits $1,516.70 - $0.00 + TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR SHANNON E LAKE #0614 Sep. 14 - Dec 13, 2010 \ i IMPORTANT ACCOUNT UPDATES Your full balance is due. Any payment you make will reduce your balance and help pay off your debt rater. The amount you owe may differ If you've entered into a separate Payment agreement. Fees Interest Charged New Balance 50.00 J + $50.26 J = $1,566.96 J FEES INTEREST CHARGED 1 13 OCT INTEREST CHARGE 2 13 NOV INTEREST CHARGE 3 13 DEC INTEREST CHARGE Total Fees This Period $0.00 Total Fees This Year $78.00 Total Interest This Period Total Interest This Year $16.57 $17.12 $16.57 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. $55.26 $205.36 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) to interest Rate Interest Bearing 14.600% $1,380.77 $50.26 i PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 4003448683100614 13 1566960000001566968 CRW Account Number. 4003-4486-8310-0614 Due Date New Balance Amount Enclosed / Past Due / $1,566.96 1 / 1 SHANNON E LAKE 5116 RAVENYOOO RO NEC HANI CSBURG, PA 17055-4836 Manage your account online. Visit www,capitalonexcim/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. Capital One Bank (USA). N.A. P.O. BOX 71083 CHARLOTTE, NC 28272-1083 ,11111,1„1'1111,11111111111. 1. 1,1.11111...I11.1y„11,11'11,111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How is the Interest Chase applied? Interest charges accrue from the 1) date of the transaction, 2) date the transaction is processed or 3) first calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in full. However, we reserve the right to not assess interest charges at any time. How did you Calculate the Interest Chase? There are several calculations that are used to determine your total interest charge. 1. To get your Daily Balance: 1) take the current balance from when your account charged-off. 2) For each day after, subtract the payments, credits, and adjustments as of that day. The result is the daily interest bearing balance, 2. To find your Average Daily Interest Bearing Balance: 1) add the daily interest bearing balances together and 2) divide the sum by the number of days the interest rate was in effect. 3. Estimate your Total Interest Charge: 1) multiply your average daily balance by the daily periodic rate and 2) multiply the result by the number of days the interest rate was in effect. NOTES Due to rounding, balance adjustments, or returned payments, this calculation may vary from the interest charge actually assessed. Is the 'Payment Due' a Payoff Amount? No. All stated amounts are owed on the date o' the statement. However, because interest, late charges and other charges might change from day to day as provided in your customer agreement, the amount due on the day you pay may be larger. For example, if you pay the amount stated in this statement, your account might still have a balance after your payment is received. Also rate that the amount you owe may differ if you've entered into a separate payment arrangement. Please call the number on the front of the statement for an exact payoff amount. Are there Additional Fees associated with my account? Yes, under certain circumstan- ces, you may be assessed a Returned Payment Fee. You will also be required to pay us all of our actual collection expenses, attorneys' fees and court costs unless the law does not allow us to collect thlrse amounts. We reserve the right to not assess fees without prior notice and without waiving our right to assess a similar fee later. How do I Make Payments? Payments you mail to Capital One will be credited to your account as of the business day they are received, as long as: 1) you send the bottom portion of this statement and your check in the enclosed remittance envelope, and 2) your payment is received in Capital One's processing centers by 5 pm local time. Please allow at least seven (7) business days for mail delivery. Mailed Payments received by Capital one at any other location or in any other form may not be credited as of the day they are received. Do you Process Paper Checks as an Electronic Funds Transfer? When you provide a check as payment, you authorize us and our agents either to use information from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. Your authorization is rat limited by the date on the check. We may resubmit and electronically collect the returned payments. What if 1 file for Banou ? If you are entitled to bankruptcy protection, this communic- ation is for information only, it is not an attempt to collect, assess or recover a debt or claim. Do not send us payments without speaking with your bankruptcy attorney or the Bankruptcy Court. If you have questions about your account or bankruptcy proceeding, please have your attorney contact us. If you or your attorney would like to contact our bankruptcy claims servicer directly, please contact: Capital One PO Box 85167 Richmond, VA 23285-5167 BIWNG RIGHTS SUMMARY (Does Not Apply to Small Business Accounts) What To Do d You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: d you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors arid you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • You do not need to pay any disputed amounts and related interest charges or fees until we send you a notice about the outcome of our investigation. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. Your Rights U You Are Dissatisfied With Your Credit Card Purchases: If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Capital One supports information privacy protection: see our website at www.caotalone.com Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved © 2010 Capital One To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions C 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. Page t of 1 1-WO-2569319 www.capitalone.com/solutions VISA PLATINUM 4003-4486-8310-0614 NEW BALANCE PAYMENT DUE DUE DATE $1,616.67 $1,616.67 Past Due Available Credit: $0.00 Previous Balance Payments and Credits 51,566.96 - $0.00 + ? J L J L TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR SHANNON E LAKE #0614 Dec 14 - Mar. 13, 2011 i IMPORTANT ACCOUNT UPDATES Your full balance is due. Any payment you make will reduce your balance and help pay off your debt faster. The amount you owe may differ 9 you've entered into a separate payment agreement. Fees Interest Charged New Balance 50.00 ' + $49.71 51,616.67 / FEES Total Fees This Period Total Fees This Year INTEREST CHARGED 1 13 JAN INTEREST CHARGE 2 13FEB INTEREST CHARGE 3 13 MAR INTEREST CHARGE Total Interest This Period Total Interest This Year $0.00 $0.00 $17,12 $17.12 S15.47 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. $49.1 f49.771 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) _ to Interest Rate Interest Bearing 14.600% $1,380.83 $49.71 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 4003448683100614 13 1616670000001616678 Q"W, Account Number. 4003-4486-8310-0614 Due Date New Balance Amount Enclosed Past Due $1,616.67 SHANNON E LAKE 5116 RAVENNOOD RD MECHANICSBURG, PA 17055-4636 Manage your account online. Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. J Capital One Bank (USA), N.A. P.O. BOX 71083 CHARLOTTE, NC 28272-1D83 lllll,L.IyIILIIIIIIIIIIILIrIrlylllLrrlllrl,l„IIrIIJlyll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How is the Interest Charge applied? Interest charges accrue from the 1) date of the transaction, 2) date the transaction is processed or 3) first calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in full. However, we reserve the right to not assess interest charges at any time. How did you Calculate the Interest Charge? There are several calculations that are used to determine your total interest charge. 1. To get your Daily Balance: 1) take the current balance from when your account charged-off. 2) For each day after, subtract the payments, credits, and adjustments as of that day. The result is the daily interest bearing balance. 2. To find your Average Daily Interest Bearing Balance: 1) add the daily interest bearing balances together and 2) divide the sum by the number of days the interest rate was in effect. 3. Estimate your Total Interest Charge: 1) multiply your average daily balance by the daily periodic rate and 2) multiply the result by the number of days the interest rate was in effect. NOTE: Due to rounding, balance adjustments, or returned payments, this calculation may vary from the interest charge actually assessed. Is the "Payment Due" a Payoff Amount? No. All stated amounts are owed on the date of the statement. However, because interest, late charges and other charges might change from day to day as provided in your customer agreement, the amount due on the day you pay may be larger. For example, if you pay the amount stated in this statement your account might still have a balance after your payment is received. Also rate that the amount you owe may differ if you've entered into a separate payment arrangement. Please call the number on the front of the statement for an exact payoff amount. Are there Additional Fees associated with my account? Yes, under certain circumstan- ces, you may be assessed a Returned Payment Fee. You will also be required to pay us all of our actual collection expenses, attorneys' fees and court costs unless the law does not allow us to collect these amounts. We reserve the right to not assess fees without prior notice and without waiving our right to assess a similar fee later. How do I Make Payments? Payments you mail to Capital One will be credited to your account as of the business day they are received, as long as: 1) you send the bottom portion of this statement and your check in the enclosed remittance envelope, and 2) your payment is received in Capital One's processing centers by 5 pm local time. Please allow at least seven (7) business days for mail delivery. Mailed Payments received by Capital One at any other location or in any other form may not be credited as of the day they are received. Do you Process Paper Checks as an Electronic Funds Transfer? When you provide a check as payment, you authorize us and our agents either to use information from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. Your authorization is not limited by the date on the check. We may resubmit and electronically collect the returned payments. What if I file for Bankruptcy ? If you are entitled to bankruptcy protection, this communic- ation is for information only, it is not an attempt to collect, assess or recover a debt or claim. Do not send us payments without speaking with your bankruptcy attorney or the Bankruptcy Court. If you have questions about your account or bankruptcy proceeding, please have your attorney contact us. If you or your attorney would like to contact our bankruptcy claims sevicer directly, please contact: Capital One - PO Box 30285 Salt Lake City, UT 84130-0285 BILLING RIGHTS SUMMARY (Does Not Apply to Small Business Accounts) What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your letter, give us the following informatiom • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • You do not need to pay any disputed amounts and related interest charges or fees until we send you a notice about the outcome of out investigation. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. Your Rights R You Are Dissatisfied With Your Credit Card Purchases: R you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this fight, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must rat yet have fully paid for the purchase It all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Capital One supports information privacy protection: see our website at www.capitalone.com Capital One is a federally registered service mark of Captal One Financial Corporation. All rights reserved © 2011 Capital One To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions Take control of your finances today! I 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. Previous Balance Payments and Credits r ! 1 51,616.67 - 50.00 + TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR SHANNON E LAKE #0614 Fees Interest Charged New Balance 50.00 + $50.81 1 = 57,667.48 FEES Total Fees This Period Total Fees This Year INTEREST CHARGED 1 13 APR INTEREST CHARGE 2 13 MAY INTEREST CHARGE 3 13 JUN INTEREST CHARGE Total Interest This Period Total Interest This Year $0.00 50.00 $17.12 $16.57 $17.12 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. Caplfall?- Mar. 14 - Jun. 13, 2011 i IMPORTANT ACCOUNT UPDATES Your full balance is due. Any payment you make will reduce your balance and help pay off Vow debt faster. The amount you owe may differ I youve entered into a separate payment agreement. $'0 81 5700.52 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) to Interest Rate Interest Bearing 14.600% $1,380.71 $50.81 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 4003448683100614 13 1667480000001667482 Account Number: 4003-4486-8310-0614 Due Date New Balance Amount Enclosed 1? 1 ? 1 Past Due $1,667.48 SHANNON E LAKE 5116 RAVENWOOD RD nEC H ANICSBURG, PA 17055-4836 Page t of 1 1-NO.2589319 www.capitalone.com/solutions VISA PLATINUM 4003-4486-8310-0614 NEW BALANCE PAYMENT DUE DUE DATE $1,667.48 $1,667.48 Past Due Available Credit: 50.00 Manage your account online. Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. Capital One Bank (USA), N.A. P.O. BOX 711183 CHARLOTTE, NC 28272-1083 'Illll'I"I'IIILllllllllllll'IrI'I'Illll"'111'1'1"II'ILII'Ill Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How is the Interest Charge applied7 interest charges accrue from the 1) date of the transaction, 2) date the transaction is processed or 3) first calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in full. However, we reserve the right to not assess interest charges at any time. How did you Calculate the Interest Charge? There are several calculations that are used to determine your total interest charge. 1. To get your Daily Balance: 1) take the current balance from when your account charged-off. 2) For each day after, subtract the payments, credits, and adjustments as of that day. The result is the daily interest bearing balance. 2. To find your Average Daily Interest Bearing Balance: 1) add the daily interest bearing balances together and 2) divide the sum by the number of days the interest rate was in effect. 3. Estimate your Total Interest Charge: 1) multiply your average daily balance by the daily periodic rate and 2) multiply the result by the number of days the interest rate was in effect NOTE: Due to rounding, balance adjustments, or returned payments, this calculation may vary from the interest charge actually assessed. Is the "Payment Due' a Payoff Amount? No. All stated amounts are owed on the date of the statement. However, because interest, late charges and other charges might change from day to day as provided in your customer agreement, the amount due on the day you pay may be larger. For example, if you pay the amount stated in this statement, your account might still have a balance after your payment is received. Also note that the amount you owe may differ if you've entered into a separate payment arrangement. Please call the number on the front of the statement for an exact payoff amount. Are there Additional Fees associated with my account? Yes, under certain circumstan- ces, you may be assessed a Returned Payment Fee. You will also be required to pay us all of our actual collection expenses, attorneys' fees and court costs unless the law does not allow us to collect these amounts. We reserve the right to not assess fees without prior notice and without waiving our right to assess a similar fee later. How do I Make Payments? Payments you mail to Capital One will be credited to your account as of the business day they are received, as long as: 1) you send the bottom portion of this statement and your check in the enclosed remittance envelope, and 2) your payment is received in Capital One's processing centers by 5 pm local time. Please allow at least seven (7) business days for mail delivery. Mailed Payments received by Capital One at any other location or in any other form may not be credited as of the day they are received. Do you Process Paper checks as an Electronic Funds Transfer? When you provide a check as payment, you authorize us and our agents either to use information from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receive your payment and you will not receive your check back from your financial institution. Your authorization is not limited by the date on the check. We may resubmit and electronically collect the returned payments. What if I file for Bankruptcy ? If you are entitled to bankruptcy protection, this communic- ation is for information only, it is not an attempt to collect, assess or recover a debt or claim. Do not send us payments without speaking with your bankruptcy attorney or the Bankruptcy Court. B you have questions about your account or bankruptcy proceeding, please have your attorney contact us. If you or your attorney would like to contact our bankruptcy claims servicer directly, please contact: Capital One PO Box 30285 Salt Lake City, UT 84130-0285 BILLING RIGHTS SUMMARY (Does Not Apply to Small Business Accounts) What To Do H You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: Capital One P.O. Box 30285 Salt Lake City, UT 84130-0285 In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: ff you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • You do not need to pay any disputed amounts and related interest charges or fees until we send you a notice about the outcome of our investigation. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. Your Rights If You Are Dissatisfied With Your Credit Card Purchases: R you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 2. You must not yet have fully paid for the purchase N all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Capital One P.O. Box 30185 Salt Lake City, UT 84130-0285 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do rot pay we may report you as delinquent. Capital One supports information privacy protection: see our website at www.caotalone.com Capital One is a federally registered service mark of Capital One Financial Corporation. All rights reserved © 2011 Capital One To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions c 'r 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. Previous Balance Payments and Credits 51,667.48 - $0.00 , + ,TRANSACTIONS ; PAYMENTS, CREDITS & ADJUSTMENTS FOR SHANNON E LAKE #0614 Fees Interest Charged New Balance 1 $0.00 / + \ $50.81 j = S1,718.29 / FEES Page 1 of 1 1-NO.258.9319 www.capitalonexorn/solutions VISA PLATINUM 4003-4486-8310-0614 NEW BALANCE PAYMENT DUE DUE DATE $1,718.29 $1,718.29 Past Due Available Credit: $0.00 ? J INTEREST CHARGED 1 13JUL INTEREST CHARGE 2 13 AUG INTEREST CHARGE 3 13 SEP INTEREST CHARGE Total Fees This Period $0.00 Total Fees This Year $0.00 Total Interest This Period Total Interest This Year $16.57 ., $17.12 $17.12 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. Jun. 14 - Sep. 13, 2011 J IMPORTANT ACCOUNT UPDATES Your full balance is due. Any payment you make will reduce your balance and help pay off your debt faster. The amount you owe may differ if you've entered into a separate payment agreement. $50.81 $151.33 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) _ to Interest Rate Interest Bearing 14.600% 1 $1,380.71 j $50.81 J PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COANSOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 4003448683100614 13 1718290000001718296 Account Number: 4003-4486-8310-0614 Due Date New Balance Amount Enclosed 1! 1 r 1 Past Due $1,718.29 SHANNON E LAKE 5116 RAVENYOOD RD nECHANICS BURG, PA 17055-4636 Manage your account online. AQ Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. Capital One Bank (USA), N.A. P.O. BOX 71063 CHARLOTTE, NC 28272-10A3 ,IIIIIrLrI'IIILIIIIIIIIIIII'I'I'I,lllll'rrlll'IYryI.IIrILIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How le the Idanst Change appliadt rmeres: charges accrue from the '.) dare of the transaction, 2) care the Transactron is Occessed or 3; first 'sender cay of me b Furog period. Interest charges accrue on every unpaid amount until it scald in lull. However, we anew Ihe Tight to net assess Interest charges atanytime. How did you Calculate the Imannt Chile There are several calculators that are used top determine your toml interest charge. T To get you, Da,y Balance:'.) take the current balance horn when your account charged-off. 21 For each day after, subtract the payments, oaths, and adjustments as of that day. The result is the daily interest (seating balance. 2. To hie yer:r Average Dairy .tares Bearing Balance: I) add he daily interest hearing balames together and 2) dude the sum try the number of days the interest rate was in effect 3. Estimate your Total Interest Charge: 1) muhrply your average ca.ly balance try the cl i y pekadic rate and 2) multiply the result by the number of days the .merest rate was m effect. NOTE: Due to ro,mi balance adjustments, FIT returned payments, this calculator, may vary!rgm Me inw est charge actual y assessed. Is the'Paymed Due' a PaaoR Amgure! No. All stated amounts are owed on the data of the statement. However, because interest. Late charges and omen charges might change from day to day as provided in your customer agreement the amount due on me car ru pay may be larger. For example, if you pay the arnoure stated in this statement your account might A I haw a dzlance after your payment Is race-cl. Also note that the amount you owe may differ H you've ente-ed ?ntn a secarate oayment arrangement Please call the number on the front of the statement or an eves catch amount. An there Addltionai Fan arewdaeed with my auourAT Yes, order certain crcumorarri you may be assessed a Returned Payment Fee. You will also be recurred OF pay us all of our aaual collection experell attorneys' fees and court costs unless the law dues not allow us to collca Mesa amounts. We reserve the right a not assess fees wall pray nctice and wthout waivers our rigs m assess a similar lee later. How do I Malt Paemmb7 Payments may W made in several ways: 1. Online by gong to www.caprta 0nexchn and logging into your account 2. Telephone Voice Response System by oil 1.800.955-7070 and followng the voice prompts. Wner r, make a phone payment through our voice response system, You authors us to initiate an ACH or electonrc payment chat will be decried from your bank account Funds may be wmdrawn hots your tank account as soon as the same day we process your Payment 3. Calling our telephone center number '-800955-7070 and providing your mformaoon a our call center ,epresen¢the. 4. Payments by marl si be sent to the mairng address provided on the bottom portion & this statement. Payments call be credited 'D your account,: • For online, or over de phone as of the business day we receiw it as long as they are made by 5 PM ET • For mailed payments as of the business day we receive It as long as: t) you send the bottom pomon of ;his statement and your check in the encased remmance envelope, and 2) your payment is received in one of Bur pro<essirg centers by 5pm local time. Please aloes ar least (7) Business days for mail delivery. Mailed payments eceiwd by us ar any Infer location or r any other form may hot be credited as of the day we receiw mem, Do you Pmcns PaperChedo as an Elas4ork Fonds Tramk/7 Payments will be processed in one of hAO ways: When you provide a check or check information to make a payment you authoris us or our agents ro use the nformavon to make a one Time ACH ransactal of otne, electronic fund :ranter from your deposit account We may also use Me micrmaocr to pr- the paymerrt as a check nansactan. wllrat R I file For bpi for If you eye ennlec to bankruptcy protection, this commumick ion is for Information only, it s not an apempt to cgllect assessor recover a deb; or claim. Do not send us payments without speaking with your bankruptcy attorney or me Bank, "Try 'cum II yog have questions about your account or bankruptcy yon dmg, please haw your attorney collar us. If you at your attorney would hke to contact our bankruptcy claims se?vrcer directly, please Tonia, Capital Cne - PC Box 30285 Salt Lake City, UT 84130-0285 M WMG RIGHTS SUMMARY (Does Not Apply to Small duainess Accounts) What To Do IF You Think You Find A MW,-&h On You Statement if you think there is an enor cn your statement write to us at Capital One P.O. Boa 30285 Salt Lake City, UT 84130-0285 In your all give us the following informa art: • Account iMormaoon: Your name and account number. • Dollar amount fire dollar amount of the suspected error. • Description of Problem: If you think there is an ego, on your bill, describe what you believes wrong and why you believe fit a mistake. You muss comas us within 60 days after the error appeared on your statement. You most Toffy us of any potential errors in wring. You may call us, but If you do we are rat required to investigate any potential enorsard you may have to pay the amount in question. While we investigate whether or not Mere has been an error, the following are true: • We cannot try to Collett the amount in quench, or report you as delinquent on tat amount. • You do Trot need ro pay any disputed amounts and related interest charges or fees until we send you a notice actor th* oupome of our investigation. • The charge in question may remain on your statement and we may continue to charge you interest on that amount. But R We determine that we made a mistake, you with not haw m pay the amount in quasnem or acy intoner, or cther fees related to that amount. • While you do not haw to pay the amount in gr.estron until we send you a notice about the outs Far of cur inwstigalf you are responsible for the remainder of your balance: Your Rights If You An Diumttslled With YourCmdit Cad Pumha if you are dsaami with the goods or services that you have purchased with your Credit card, and you have tried in good faith To correct the problem won the merchant you may have the right not to pay the remaining amount due on the purdase. To use mrs right all. of the following must be true: 1. You must haw used your credo card for the purchase. Purchases mace with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 2. YOU most not yet nave fully paid for tire purchase if all of the aiterla abow are met and you are still dssansfled with Me purchase, a lMt us in witng ar Capital Ore P.O. Bo: 30285 Salt Ube City, UT 841300285 While we imesager the same rules apply to the disputed amount as discussed above . Alter we finish our mvesfigadon, we wll tell you our decisan. At that point d we think you Oman amount and you do not pay we may report you as delinpuent Capital One supports information privacy prolectrar: see our website at www.capoalcne.com Capin One is a fede,a ly registered service mark of Cxpibl One Flan Corporation. All rights reserved 02011 Capital One To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. t 1. _ t l_To 425 EAGLE ROCK AVENUE ( i ROSELAND, NJ 07068 973-618-0000 # L 11 ? y- 2 P h ID #92125 U BERLi% f.,FOR PLAINTIFF CAPITAL ONE BANK (USA), N.A. CUMBERLAND COUNTY COURT OF COMMON PLEAS V. SHANNON E LAKE Plaintiff(s) Defendant(s) NO. 12-2473 CIVIL TERM CERTIFICATE OF SERVICE I, Katherine Dieterle, hereby certify that a true and correct copy of the Plaintiff's Notice to Appeal, Notice to Defend and Complaint was served this date by certified and first class U.S. Mail, postage prepaid, upon the following: SHANNON E LAKE 5116 RAVENWOOD RD MECHANICSBURG PA 17055-4836 And a true and correct copy of the Plaintiff's Notice to Appeal, Notice to Defend and Complaint was served this date by first class U.S. Mail, postage prepaid, upon the following: District Court 09-3-05 507 N. York Street Barclay Building Mechanicsburg, PA 17055 Date: Respectfully Submitted: NUDELMAN, KLEMM & GOLUB, P.C. Ka 'ne Dieterle, Legal Assistant 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 NN 109049 PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 M L. ED-OFFICE ?j;! THE PROTHONOTA;r M 2412 JUN 29 PM 2: 44 CU MMIL AN-U-N-T EY FOR PLAINTIFF CAPITAL ONE BANK (USA), N.A. V. SHANNON E LAKE CUMBERLAND COUNTY COURT OF COMMON PLEAS NO AFFIDAVIT OF SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND 12-2473 CIVIL TERM I, Paul J. Klemm, attorney for Plaintiff, CAPITAL ONE BANK (USA), N.A. , being duly sworn, depose and say that a true and correct copy of the Plaintiff's Notice to Appeal, Notice to Defend and Complaint was served upon the Defendant, SHANNON E LAKE, by regular by first class U.S. Mail, postage prepaid and certified mail on April 30, 2012. The certified mail has been returned as unclaimed however to date the copy served by regular first class U.S. Mail, postage prepaid has not been returned. SWORN TO AND SUBSCRIBED BEFORE ME THIS ?'4-- DAY OF r 2012. N Y,, PAUL J. KLEMM, ESQUIRE Attorney for Plaintiff M:ATHERINE E. OIETERLE Commission # 2332033 NN 109049 Notary Public; State of New Jersey My Commission Expires July 27, 2015_ I