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! r p; C t LAW OFFICES OF HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 123 S. Broad Street Suite 1660 Philadelphia, PA 19109-1003 (215) 928-1400 OUR FILE NO. 415069 Attorney for Plaintiff CAPITAL ONE BANK (USA), N.A. 4851 COX ROAD GLEN ALLEN, VA 23060 Vs. MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE PA 17013 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION TERM. No. a` CIVIL ACTION "NOTICE .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 en- tered against you by the court without further notice for any mon- ey claimed in the complaint or for any other claim or relief request- ed by the plaintiff. You may lose money or property or other rights important to you. 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 S BEDFORD STREET CARLISLE PA, 17013 800-990-9108 "AVISO "Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas an Ias piginas siguientes, usted tiene veinte (20) dies, de plazo al patir de la feche de la demands y la notificaci6n. Haoe falta asentar una oomparencia escrits o en persona o con un abogado y entregar a la corte an forma escrita sus defenses o sus objeciones a las demandas an contra de su persona. Sea avisado qua si usted no se defiende, la corte tomari medidas y puede continuer la demanda en contra suya sin previo aviso o notificaci6n. Ademis, la corte puede decidir a favor del demandante y requiere quo usted cumpla con todas Ias provisions de esto demands. Usted puede perder dinero o sus propiedades u otros derechos importantes pare usted. "LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELtFONO A LA OFICINA CUYA DIRECC16N SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CIVIL ACTION 1. Plaintiff CAPITAL ONE BANK (USA), N.A. is a business entity securing or collecting debts, with offices located at: 4851 COX ROAD, GLEN ALLEN, VA 23060. 2. Defendant(s) MICHAEL A KULIKOSKY is/are individual(s) residing at: 229 GRAHAM ST, CARLISLE, PA 17013. 3. Upon application by Defendant(s) a Credit/Revolving Charge Account was established for Defendant(s), which was assigned account number ************8893. 4. Defendant(s) subsequently utilized the aforesaid account to make various purchases and/or receieve cash advances, thereby incurring payment obligations to Plaintiff and/or Plaintiff's predecessor in interest. 5. Defendant(s) defaulted by failing to adhere to repayment terms and in accordance therewith, the entire remaining balance became due and immediately payable. 6. As a consequence of the foregoing there is presently due and owing to Plaintiff by Defendant(s) the following amounts (see Exhibit "A"): Unpaid Balance: Interest: TOTAL DUE: $31,320.96 $.00 $31,320.96 7. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and refused to pay the aforesaid sum. WHEREFORE, Plaintiff demands that judgment be entered against Defendant(s) in favor of Plaintiff in the amount of $31,320.96 together with interest and costs. LAW OFFICES OF /;, HAYT, HAYT & LANDAU, LLC //?/? By: Attorney for Plaintiff 00000) MasterCard Platinum Account 5178.0572.3273.8893 _iNb J Your Account Information • ? REWARDS' TOTAL CREDIT LINE $29,600.00 TOTAL AVAILABLE CREDIT $2,900.72 CREDIT LINE FOR CASH $14,800.00 AVAILABLE CREDIT FOR CASH $2,900.72 ? 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 1-800-955-7070• 500258 Previous Balance Payments & Credits FINANCE CHARGE Transactions New Balance Minimum Payment $26,639.81 - =$804. + $36.71 + =$826.76 = $26,699.28 $303.00 ?? Nov. 02, 2008 - Dec. 01, 2008 Page 1 of 2 _ PLEASE PAY AT LEAST THIS AMOUNT Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $24,771.70 0 00000% 0.00% $0.00 Cash $1,998.46 0.06123% F 22.35% $36.71 !ANNUAL PERCENTAGE RATE applied thls period: 1.65% _ 1 ,At Your Service - Go to www oapitabrie.com to menage your account, or Celt 1-800-955-7070 to report a lost or stolen card or speak to Customer Relatans 0 Pay Online at www.caoitebne.com or mail your payment to: Capital One Bank (USA), N.A. • P.O. Box 71083 • Charlotte, NC 28272-1083 A Send Inquiries to: CaNal One- P.O. Box 30285' Sat Lake City, UT 84130-0285 ® Manage your Rewards online by visiting reMair m fmikcmrardc or Cad: 1-OW-728-3001 ® 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 com7disoules Due Date Dec. 26, 2008 Rewards Summary Previous available balance 17,293 Earned this period. 679 (reflects transactions posted during this biting cycle) Available Balance. 17,972 Congratulations, you've earned 60 additional rewards this month just for shopping with merchants in our preferred network. Continue to take advantage of these special offers by shopping at www.capitalone com. Payments Credits & Adiustments 1 08 NOV YMCA OF CARLISLE CARLISLE PA $5.00- 2 24 NOV PAYMENT $799.00- Transactions _ 3 02 NOV YMCA OF CARLISLE CARLISLE PA $75.00 4 04 NOV ONSTAR SUBSCRIPTION 888-4ONSTAR MI $14.95 5 04 NOV CTI NETWORKS INC 717-9759000 PA $36.27 6 14 NOV COMMERCE BANK165 ASHLAND CARLISLE PA $102.00 7 19 NOV WM SUPERCENTER CARLISLE PA $14.08 8 19 NOV PIZZA HUT #10062610034 CARLISLE PA $12.69 9 20 NOV RITE AID STORE #11M05 CARLISLE PA $59.69 10 22 NOV SHEETZ 00001917 CARLISLE PA $2552 11 22 NOV SHEETZ 00002196 HARRISBURG PA $15.00 12 25 NOV MOTHERHOOD 00017137 CAMP HILL PA $89.89 13 25 NOV MACY'S EAST #0199 CAMP HILL PA $66 00 14 25 NOV GIANT FUEL #112 CARLISLE PA $35.53 15 25 NOV HOT TOPIC 0210 CAMP HILL PA $27.54 16 25 NOV BLOCKBUSTER VIDEO #902 CARLISLE PA $20.00 17 25 NOV THE SHOE DEPT 0443 CAMP HILL PA $18.90 18 25 NOV PIZZA HUT #10062610034 CARLISLE PA $27.06 19 26 NOV WM SUPERCENTER CARLISLE PA $64.19 20 26 NOV HOSS'S STEAK & SEAHOUS CARLISLE PA $2045 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 01 0000000799000303009 Account Number: 5178-0572-3273-8893 Lend a hand. Save the land. Due Date New Balance Minimum Payment Amount Enclosed Manage your account online today- 28 699 2008 $26 26 Dec $303.00 ] =:D it's fast, easy and secure. . , . , 0 Pay online anytime-no more checks, stamps or clutter PLEASE PAY AT LEAST Q Moving? Change your address online or on the back. THIS AMOUNT ® Help save the planet-Go paperless. )y9033708894101450# ® Sign up at www.capitalone.com. MICHAEL A KULIKOSKY 229 GRAHAM ST Capital One Bank (USA), N.A. CARLISLE, PA 17013-3718 li'lilll'II'Illllll„i,Illlilllrrl,Irl, irrllll,lrl,lrl,llilll'Ill P.O. Box 71083 Charlotte, NC 28272-1083 111.. I I Ills I I I Illiii 'I II Il' I'illl till I"ll' 'ill' l"llllilll'llll EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope, Get paid. Twice. Earn a great 1.60% Annual Percentage Yield (APY) PLUS a 10% quarterly bonus on your interest earned with the all-new InterestPlus Online Savings account.! • Great savings rate • 10% bonus on interest earned • Easy online transfers! Learn more and open online at capitalonedirect.com/savel . Please see reverse for important disclosures. FDIC Previous Balance Payments & Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due Date $29,919.10-? $1,179.00 + $316.58 +? 3,37.90 $29,094.58 $607.00 ( Dec. 26, 2009 Nov. 03, 2009 - Dec. 01, 2009 Page 1 of 1 PLEASE PAY AT LEAST THIS AMOUNT MasterCard Platinum Account Rewards Summary -....... ._ --- $178.0572.3273.8893 H * Previous available balance 19,689 Your Account Information ?2 n. REWARDS' Earned this period. 38 (reflects eanseolmsposted dunngthis bilingcycle) TOTAL CREDIT LINE $29,600.00 Available Balance 19,727 TOTAL AVAILABLE CREDIT $505.42 CREDIT LINE FOR CASH $14,800.00 Payments, Credits & Adjustments AVAILABLE CREDIT FOR CASH $505.42 1 06 NOV DIRECT DEBIT PAYMENT $589.50- 2 25 NOV DIRECT DEBIT PAYMENT S589.50- .......-_._...- --- Finance Charges (Please see reverse for important information) I Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $27,259.47 0.03559% 12.99% S281,35 Cash $2,17223 0.05592%F 20.41% $3523 ANNUAL PERCENTAGE RATE applied this period: 12.91% At Your Servlce - Go to www.caoitabne.com to menage your amount, O or Celt 1-800-955.7070 to report a bst or stolen card or speak to Customer Relations 0 Pay Online at www.cepr abne.com or mail your payment to. Capital One Bank (USA), N A. • P.O. Box 71083 • Charlotte, INC 28272-1083 A Send Inquiries to: Capital Om Ore- P.O. Box 30285 • Set Lake Gry, UT 8E130-0285 ® Manage your Rewards online by visiting -lakme or Celt 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 Transactions 3 09 NOV ONSTAR SUBSCRIPTION 888-40NSTAR MI $3790 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 01 0000000589500607005 Account Number: 5178-0572-3273-8893 Due Date New Balance Minimum Payment Amount Enclosed Dec. 26, 2009 $29,094.58 $607.00 PLEASE PAY AT LEAST THISAMOUNT #9033608894101452# MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3716 rlrr1.1,I,IllllllrllllllllII,II.lrlllr11111 lrlLllllllllrlr,rrll 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 26272-1083 Illllllrlllrrlllllrllrlllllllrrllllllrrllrlrlllrllrrllllllllrllll EXHIBIT A 500328 1060 %APY' Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 500360 Log in to Rewards at www.capitaIone.com soon. CapltaJ a Page 1 of 1 1-800.955-7070 www.capitalone.com Feb. 11 - Mar. 10, 2010 28 Days in Billing Cycle MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: MASTERCARD PLATINUM XXXX-XXXX-XXXX-8893 Payment Amount Each Period If No Approximate Time to Pay OH Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $28,632.12 $793.00 Apr 07, 2010 Minimum Payment 38 Years $70,110.50 802 51 $35 r 3 Y , . ea s $994.51 Your estimated savings if you pay off this balance in 3 years: $34,307.99 PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: $29,600.00 Cash Credit Limit: 514,800.00 If you would like information about credit counseling services, call 1-888-326-8055. Available Credit: $967.88 Available Credit for Cash: $967,88 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a $39.00 late fee and your APRs may be increased up to the Penalty APR of 23.15%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 636.20 - 528 5850.001 } '- 5506.92 } 5339.00 528,632.12 I ? ? , - _-_ - - ---- -- - TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 1 24 FEB PAYMENT ($850.00) TRANSACTIONS FOR MICHAEL A KULIKOSKY #8893 1 C1 MAR TRAVEL ADVANTAGE NETWOGLEN BURNIEMD $339.00 11111- Total Transactions This Period $339.00 FEES Total Fees This Period S0.00 Total Fees This Year 50.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $467.95 INTEREST CHARGE: CASH $38.97 Total Interest This Period $506.92 Total Interest This Year 51,498.54 REWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE 19,727 REWARDS EARNED THIS PERIOD 339 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 03/1012010 20,066 For up-to-date rewards tracking,visit www.capitalone.com/milesrewards or simply C,&11Ef5k ressarcW ''... call 1-800-228.3001 INTEREST CHARGE CALCULATION _ Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate 1 $26,352.01 5467.95 Purchases 23.15°/ D Cash 23.15%D $2,194.79 538.97 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW,CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 10 0000000850000793002 Account Number: 5178-0572-3273-8893 Due Date New Balance Minimum Payment Amount Enclosed Apr 07, 2010 J 528,63212 ( $793.00 -? - -l J PLEASE PAY AT LEAST THIS AMOUNT MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3716 II"III'III-IIIIIIII-I'II-II-III'I'III-II'II'II IIII-II'II'II•I-.I GO GREEN. SAVE GREEN! Pay online and save money on stamps. C Sign up at www.capitalone.com Capital One Bank (USA), N.A- P.O. Box 71083 Charlotte, NC 28272-1063 nllll? lII^nhl?h?llllnlr•Ilnlr ll l 111 ll llllllllrllll EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. You asked. We listened. We're making your experience with us even better. We took the great ideas you and other customers gave us and used them to improve our Rewards website. 67;? Take Control with Online Statements Managing your account online is easy: Page 1 of 2 70 31 - WWW.capital RalOnene.c .COm Mar. 11 -Apr. 10, 2010 31 Days s in Billing Cycle MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: MASTERCARD PLATINUM XXXX-XXXX-XXXX-8893 Payment Amount Each Period If No Approximate Time to Pay GH Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total Cost 398.83 $28 $843.00 May 07, 2010 Minimum Payment 38 Year, $69,262.18 _ - + , •?• $982.76 3Yean $35,379.37 Your estimated savings if you pay off this balance in 3 years: $33,882.81 PLEASE PAY AT LEAST THIS AMOUM Credit Limit: 529,600.00 Cash Credit Limit: 514,800.00 if you would like information about credit counseling services, call 1-888-32 6 8055. Available Credit: $1,201.17 .... Available Credit for Cash: 51,201.17 ............ __ ...... .____ LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a $39.00 late fee and your APRs may be increased up to the Penalty . - APR of 23.15%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 528,632,12 ,1 - $793.00 } ?- 3559.71 ?I } -528,398.83 TRANSACTIONS -? PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 1 25 MAR PAYMENT ($793.00) I FEES Total fees This Period 50,00 Total Fees This Year 50,00 . INTEREST CHARGED INTEREST CHARGE: PURCHASES $518.05 INTEREST CHARGE:CASH $41.66 Total Interest This Period $559.71 Total Interest This Year 52,058.25 • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com cap ix- REWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE 20,066 REWARDS EARNED THIS PERIOD 0 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 04/10/2010 20,066 I u??? For up-to-date rewards tracking, visit www.capludone.com/milesrewards QINGMssfe rewards or simply call 1300-228.3001 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 23.15°! D $26,350.08 5518.05 Cash 23,15%D $2,119.03 541.66 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 10 0000000793000843002 Accoun Due Date- New Balance May 07, 2010 $28,398.83 t Number: 5178-0572.3273-8893 Minimum Payment Amount Enclosed $843.00 PLEASE PAY AT LEAST THIS AMOUNT BE SAFE! Your trash could be an identity thiefs . gold. Manage your account online and end the paper trail. Sign up at www.capitalone.com MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17D13-3718 IIII,IIII,I1.0-11111111,111 r1-11111111111111111111111111111,1.1, Capital One Bank (USA), N.A. P.O Box 71083 EXHIBIT A Charlotte. NC 28272-1083 1111111.1n,111I111IrIIIIN11111n1r1111I11111I1??llllllllllnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 0 Q • Spread too thin? Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One' balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Call 1-800-955-7070. 500359 MASTERCARD PLATINUM NEW BALANCE $28,175.26 Credit Limit: 529,600.00 Available Credit: 51,424.74 Page 1 of 4 1-800.955.7070 WWW.Ci3PIt8I0F1e.C0111 Apr. 11 - May. 10, 2010 30 Days in Billing Cycle I MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: XXXX-XXXX-XXXX-8893 Payment Amount Each Period If No Approximate Time to Pay Off Estimated MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $817.00 Jun 07, 2010 Minimum Payment _ 37 Years_ _ . $68,566.53 $971.42 3 Years $34,971.02 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: $33,595.51 Cash Credit Limit: 514,800.00 If you would like information about credit counseling services, call 1-888-326-8055. Available Credit for Cash: 51,424.74 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a $39.00 late fee and your APRs may be increased up to the Penalty APR of 23.15%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 528,175.26 528,398.83 I - I $843.00 t 5535.88 I } 583.55 TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 1 23 APR PAYMENT (5843.00) TRANSACTIONS FOR MICHAEL A KULIKOSKY #8893 1 OS MAY 800-893-8871 EPOCH.COM8008938871 CA $49.99 2 09 MAY GIANT FUEL #112CARLISLEPA 533.56 Ill Total Transactions This Period $83.55 FEES Total Fees This Period 50.00 Total Fees This Year SO.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $495.59 MTERESTCHARGECASH S40.29 Total Interest This Period $535.88 Total Interest This Year $2,594.13 Transactions continue on page 2 CREWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE 20,066 REWARDS EARNED THIS PERIOD 84 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 05/10/2010 20,150 For up-to-date rewards tracidng, visit www.capitalone.com/milesrewards (INoHassile rewards' or simply call 1.800-228-3001 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases I I 23.15%D $26,047.83 1 5495.59 Cash 23,15%D $2,117.41 540.29 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALON E.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 10 0000000843000817004 Cwl Account Number: 5178-0572-3273-8893 Due Date New Balance Minimum Payment Amount Enclosed r ....... -- Jun 07, 2010 $28,175.26 I $817.00 PLEASE PAY AT LEAST THISAMOUNT MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3718 Ill nllnlhn„1IT1'6-II.I-111111... Il'mlllrnl )-1111)))) GO PAPERLESS! The trees will thank you. Sign up at www.capitalone.com 4 400010 J Capital One Bank (USA), N•A- P.O. Box 71883 Charlotte, NC 28272-1083 Illllllr,Ilr'IIIII'Il'Illllllrrllllll"II'I'Ill'll"IIIIIIII'Illl EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Get $50 Open an InterestPlus Online Savings account online with the offer code below and have $10,000 or more in your account on 7/15/2010.** Open an InterestPlus Online Savings account today. Get one of the best Savings rates plus a 10% bonus on your interest 1 .3 5 ". earned. And of course, no fees. o0 PLUS: When you open an account online with the offer code below °0. and have a balance of 510,000 on 7/15/2010, we'll add $50 to your account. Get Paid. Twice. Open your account at capltalonedirect.com/get44 Enter Offer Code: CASH111 DF 500449 Page 1 of 2 1.800.955-7070 www.capitalone.com MASTERCARD PLATINUM XXXX-XXXX-XXXX-8893 NEW BALANCE MINIMUM PAYMENT DUE DATE $27,958.57 $836.00 Jul 07, 2010 ell PLEASE PAY AT LEAST THIS AMOUNT Credit Limit: 529,600.00 Cash Credit Limit: 514,800.00 Available Credit: $1,641.43 Available CreditfoI Cash. 51,641.43 May. 11 -Jun. 10, 2010 31 Days in Billing Cycle MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Minimum Payment 37 Years - $67,846 $960 3 Years $34,574 Your estimated savings if you pay off this balance in 3 years: $33,272 If you would like information about credit counseling services, call 1-888-326-8055. LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a $39.00 late fee and your APRs may be increased up to the Penalty APR of 23.15W Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ,175.26 I - I $817.00 ) f 5556.43 528 1 } (_543.88 J = 527,958.57 l iTR4NSACTI0N5 PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 1 05 JUN PAYMENT ($817.00) TRANSACTIONS FOR MICHAEL A KULIKOSKY #8893 1 31 MAY GIANT FUEL #112CARLISLEPA S43.88 10, Total Transactions This Period $43.88 FEES INTEREST CHARGED INTEREST CHARGEYURCHASES INTEREST CHARGE:CASH Total Fees This Period $0.00 Total Fees This Year $0.00 $514.47 $41.96 Total Interest This Period $556,43 Total Interest This Year $3,150.56 REWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE 20,150 REWARDS EARNED THIS PERIOD 44 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 06/1012010 20,194 For up-to-date rewards tracldng, visit www.capitalone.comimilesrewards (INoHassle rewards' or simply call 1.800.228.3001 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 23.15% D $26,168,17 5514.47 Cash 23.15°h D $2,134.03 S41.96 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 10 0000000817000836003 CW It Account Number: 5178-0572-3273-8893 Due Date New Balance Minimum Payment Amount Enclosed Jul 07, 2010 $27,958.57 I? $836.00 PLEASE PAY AT LEAST THISAMOUNT MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3716 Ill??llnllllrrnlln,I?nlllllllll?mlrrlll?ll?lllu?lurll? ORGANIZATION MADE EASY. Forget the filing. Manage your account online and simplify your life. Sign up at www,capitalone.com 4oo011 Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1063 IIIIIIIrtII^n111rhrIIIIIIIrrIIIIIr II IrIII II Illlllll lNl EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. hat's In your wallet? 500009 LET'S TALK - WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments, We understand. At Capital One® 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. 0 2009 Capital One. Capital One is a federally registered service mark. All rights reserved Platinum MasterCard NEW BALANCE $28,758.81 Credit Limit: 529,600.00 Available Credit: $841,19 Page 1 of 2 1.800.955-7070 it www.capitalone.com - Jul. 11 -Aug. 10, 2010 31 Days in Billing Cycle MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you Will pay more in interest and it will take you longer to pay off your balance. For example: XXXX-XXXX-XXXX-8893 Payment Amount Each Period If No Approximate Time to Pay off Estimated MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $2,138.00 Sep 07, 2010 Minimum Payment 37 Years 869,940 If you would like information about credit counseling services, call 1 898-326-8055. Ft, Ai IFn. T ,t" 1i NI LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Cash Credit Limit: S14,800.00 you may have to pay a $39.00 late fee and your APRs may be increased up to the Penalty APR of 23.15%. Available Credit for Cash: 5841.19 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 50.00 = 528,758.81 528,605,51 ? - 5450.00 } 5603.30 } cur, L•I h-':;u p rni-rts. I t? k f yo,]Lp I ,.n y'rnawi I h tlties urd a<.e ,.i rr um . i 'o help. I.L t 0] to(If k r to Ilnrf a <cr.ir 1 I TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 1 19JUL PAYMENT ($200.00) 2 07 AUG PAYMENT ($250.00) FEES 1 07 AUG PAST DUE FEE S39.00 Total Fees This Period 539.00 Total Fees This Year $78.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $521.35 INTEREST CHARGE.CASH $42.95 Total Interest This Period 5564.30 Total Interest This Year $4,252.80 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percerrtage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 23.15%D $26,517.96 552135 Cash 23.15%D $2,184.69 S42.95 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 10 0000000250002138008 W Account Number: 5178-0572-3273-8893 Due Date- New Balance Minimum Payment Amount Enclosed Sep 07, 2010 $28,758.81 2,138.00 PLEASE PAY AT I FAST rHISAFnourrr MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3718 I"I"'ll'I''I'lll'll'IIIIIIIIIIIII-IIIIII'IIIIII-I-IIIIII•-II-I- Take advantage. Take control. Manage your account online at www.capitalone.com ? I Make payments Review account information Manage your account in privacy 400006 Capital One Bank (USA), I P.O. Box 71083 Charlotte, NC 28272-1083 EXHIBIT A nlllll,In,.nlll?lrlllllllr?Ilnlr+ll?l?lll?ll??lllllhl?lnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MICHAEL A KULIKOSKY Capita M- what s in your wallet? MAKE A PAYMENT. AND TAKE CONTROL 600010 OF YOUR CREDIT WITH CAPITAL ONE! Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2009 Capital One. Gcpital One is a federally registered rrruire mark. All rights reserved. Page 1 of 2 1.800.955.7070 www.capitalone.com i`--- Aug 11 - Sep 10, 2010 31 Days in Billing Cycle MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Platinum MasterCard XXXX-XXXX-XXXX-8893 Payment Amount Each Period If No Approximate Time to Pay off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance_ Total Cost $29,354.69 $3,027.00 Oct 07, 2010 Minimum Payment 32 Years $70,096 If you would like information about credit counseling services, call 1-888-326-8055. PI: - PAS A- rrn.sl 1r 1r roc,n r LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Limit: 529 600 00 Cash Credit Limit: 514,800.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the , . Penalty APR of 23.15%. Available Credit: $145.31 Available Credit for Cash: 5245.31 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance -----...._._...... - 528,758.81 - $0.00 1 + 5595.88 J + I $0.00 = 529,354.69 h< b u-rer rn.. cc+ 6io mt ca`I [)I r.q 0 t a:.coard a ie!tt :r; paJinq the m mi_ ens dims ' m . nr* r. [.-nrent. F YQ a ns nq f rni nifl ti. -+nc .on ?e i? ter :h-l P r P, -nit to I lO -i& )111 "1 OU , i iv ) 'all ai .. 1 rr qn :ec ,I ?TRAN5ACTl0N5 __ PAYMENTS. CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 FEES 07 SEP PAST DUE FEE 525.00 Total Fees This Period S25.00 Total Fees This Year $103.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $527,08 INTEREST CHARGE:CASH $43.80 Total Interest This Period $570.88 Total Interest This Year $4,823.68 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 23.15°! D $26,809.18 5527.08 Cash 23,15%D $2,228.05 S43.80 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE, 1 5178057232738893 10 0000000250003027000 W Account Number: 5178-0572-3273-8893 Due Date - New Balance Minimum Payment Amount Enclosed -Oct 07, 2010- 1 $29,354.69 ( $3,027.00 - l PLEASE PAY AT LI AS1 J THIS ANIOUNi MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3718 III I111'11.111111'III III -Iif "It,III-IIIILII IIIIIH•I IL III Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information AQ Manage your account in privacy 400006 Capital One Bank (USA), N.A. Ch Box 71083 EXHIBIT A Charlotte, NC 28272-1083 IIIIIII?III?•nhl?lrlllllllr.Ilnlr•II•I?III?II??IIIIIIII?IHI Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MICHAEL A KULIKOSKY important notification 500525 of a change in terms to your account Please refer to the Important Notification of a change in terms enclosed with this statement. It explains in detail how, consistent with new federal credit card rules, we've revised the following account terms and policies: • Late Payment Fees • Other Penalty Fees • Limitations on APR increases Please note that these same changes are being made to both older and newer accounts Capes/ in an effort to consistently implement laws that only recently became effective. Page 1 of 3 1.800.955-7070 l www.capitalone.com Sep. 11 - Oct. 10, 2010 30 Days in Billing Cycle MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to payoff your balance. For example: Platinum MasterCard XXXX-XXXX-XXXX-8893 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $29,450.74 $3,417.00 Nov 07, 2010 Minimum Payment 37 Years b69,575 If you would like information about credit counseling services, call 1 888-326-8055. ;esr rra,v ifnsr r?ls nran(:mr LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Limit: 529 600.00 Cash Credit Limit: 514,800.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the , Penalty APR of 23.15%. Available Credit: $149.26 Available Credit for Cash: 5149.26 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 529,354.69 - $48600 } 5582.05 } 50.00 0 529,450.74 b?lr.c F, :F"T ac ca'i Ucry o u coanl t i p pdjln? [hr q nnr ' r 1r ;!^x m ,. r tome t 11 yru , Fa,inq iir +r ,i 7 cifh CU [, ...?nc ?ftrel Ir ,iiool ?ida ef.- i t..?..: u I?Ir r(all al , .. , i. i ? .I vrdr tcrrtl t-::, I I „ Help is Available. iTRANSACTIONS Just pick up the hone. PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULI KOSKY #8893 1 17 SEP PAYMENT ($386.00) 2 29 SEP PAYMENT ($10000) Call 1-800-955-6600 and a specially trained agent will I be happy to help you check your balance and make payments. I FEES 1 07 OCT PAST DUE FEE 525.00 Total Fees This Period Thi Y l 525.00 S1280C INTEREST CHARGE CALCULATION ear Tota Fees s Your Annual Percentage Rate (APR) is the annual interest rate on your account. INTEREST CHARGED Annual Percentage Balance Subject to Interest Char e T e ol8alance I INTEREST CHARGE:PURCHA$ES 5513.83 g yp Rate (APR) Interest Rate Purchases 23.15%D 527,006.81 $513.83 Cash 23.15%D 52,271.55 543.22 Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 51780572 32738893 10 0000000100003417000 W Account Number: 5178-0572-3273-8893 Due Date New Balance Minimum Payment Amount Enclosed Nov 07, 2010 / (\ $29,450.74 J ( $3,417.0( J, -- - l PLEASE PAY AT LrAST THItiAMOUNI- Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information Manage your account in privacy 400006 MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3718 .1111 r n I l l' l l' l 1111' I' I l l"III"I l l l l l' I l l"1"I I"111.1 1. l l l l Capital One Bank (USA), N.A. P.O. Box 71083 EXHIBIT A Charlotte. NC 28272-1083 1111111111••IIIII'll'Illllllrrllllll"II'I'Ill'll"Illlllll'Illl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. TAKE CONTROL OF YOUR CAPITAL ONE® Cmwa- ACCOUNT AND KEEP IT FROM BEING what's In your wallet) 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. Q 2009 Capital One. Capital One is ofederally registered service mark. All rigbts reserved. Platinum MasterCard NEW BALANCE $29,868.19 Credit Limit 529,600.00 Available Credit: $0.00 Page 1 of 2 1.800-955-7070 www.capitalone.com Oct. 11 - Nov. 10, 2010 31 Days in Billing Cycle -- MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: XXXX-XXXX-XXXX-8893 Payment Amount Each Period If No Approximate Time to Pay off Estimated MINIMUM PAYMENT DUE DATE Additional Charges Are Made statememBalance Total Cost $4,133.00 Dec 07, 2010 Minimum Payment 37 Years $69,841 if you would like information about credit counseling services, call 1-888-326-8055. y,•.8 Pt,r AT LEAST T, 11 r.r.mr Nr LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Cash Credit Limit: S14,800,00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 73.15%. Available Credit for Cash: $0,00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 529,450.74 - $200.00 l } 5617.45 } 50.00 = $29,868.19 l:, it Bat - u ?xi stlil bring t a 1:;i_o'ir, -n nl h, l•_,; ^iq - ennur?on vo.r s,aterm,ni t c yip: '., v e r tall el t l i th,:r find a suiu'.u, TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 1 25 OCT DIRECT DEBIT PAYMENT ($200.00) FEES 1 08 NOV PAST DUE FEE S351GC Total Fees This Period $35.00 Total Fees This Year 5163.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $536.92 INTEREST CHARGE:CASH $45.53 Total Interest This Period $582.45 Total Interest This Year $5,963,18 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance subject to Interest Charge Rate (APR) Interest Rate Purchases 23.15%D $27,309.90 5536.92 Cash 23.15%D $2,315.90 545.53 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 10 0000000200004133000 Account Number: 5178-0572-3273-8893 Due Date New Balance Minimum Payment Amount Enclosed Dec 07, 2010 $29,868.19 $4,133.00 }} PLEASE PAY AT EAST THIS AEAOUNI MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17033-3718 rrllll•IIIIIIIIIIIIIrrII-III'Ill•IIII•IIIIIIIrlrrllr•IIIIIIIIIIII Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information AQ Manage your account in privacy 400006 Capital One Bank (USA), N. A. EXHIBIT A P.O. Box 73083 Charlotte, NC 28272-1083 nlllllrlnrrnhlrlrlllllllr•Ilnhrrllrlrlllrlhrllhllllrlnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MICHAEL A KULIKOSKY Capola what's In your wallet? TAKE CONTROL OF YOUR CAPITAL ONE" 500011 ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2009 Capita! One. Capital One is a federally registered service mark. All rights reserved Platinum MasterCard NEW BALANCE $29,868.19 Credit Limit: S29,600.00 Available Credit: $0.00 Page 1 of 2 1-800.955.7070 Www.capitalone.com Oct. 11 - Nov. 10, 2010 31 Days in Billing Cycle (MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: XXXX-XXXX-XXXX-8893 Payment Amount Each Period If No Approximate Time to Pay Off Estimated MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $4,133.00 Dec 07, 2010 Minimum Payment 37 Years ! $69,841 If you would like information about credit counseling services, call 1 888-3768055. 'st er,; n1 LFns1 rr.is nnrnrr?r LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Cash Credit Limit: 514,800.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 23.15%. Available Credit for Cash: SO 00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ?? -- S29,450.74 - $200.00 } -- 1617.45 l $000 1 529,868.19 t = --- ui r? hel i,d b Gat ;u_a1 ?ti bpi goer aCaIr gent bs ,arin9 .. °r n r,uri .n rr----,: statem,1t. pa rd F-I % 6. r r + all zi °n.:..: lu%,Jr, fr.d.lsoli. ITRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 1 25 OCT DIRECT DEBIT PAYMENT ($200.00) FEES 1 08 NOV PAST DUEFEE $35 AO Total Fees This Period $35.00 Total Fees This Year 5163.00 INTEREST CHARGED INTEREST CHARGETURCHASES $536.92 INTEREST CHARGE:CASH $45.5: Total Interest This Period $582,45 Total Interest This Year $5,963.18 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 23.15%D 527,309.90 $536.92 Cash 23.15%0 $2,315.90 545.53 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALON E.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 10 0000000200004133000 Cw""7 ""? Account Number: 5178-0572-3273-8893 Due Date New Balance Minimum Payment Amount Enclosed Dec 07, 2010 ? ? $29,868.19 $4,133.00 .? N EASE PAY AT LEAST THIS AMOUNI MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3718 11 I111 'IIIIIII1111I1"II'lll'III-III1 •I111111-I-.l l••IIIIIII'llll Take advantage. Take control. Manage your account online at w1Arw.capitalone.com Make payments Review account information Manage your account in privacy 400006 Capital One Bank (USA), N.A. P.O Box 71083 Charlotte, NC 28272-1083 Illllllr,ILrII?II'll'lllllllrrllllll"II'I'lll'Il"IIIIIIII'Illl EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MICHAEL A KULIKOSKY TAKE CONTROL OF YOUR CAPITAL ONE" ACCOUNT AND KEEP IT FROM BEING what's In your wallet? 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. (c) 2009 CapitaI One. Capital One is a federally regi tered service mark. All rights reserved. Page 1 of 2 1-800.955-7070 I? www.capitalone.com i`- -- Nov. 11 -Dec. 10, 2010 30 Days in Billing Cycle MINIMUM PAYMENT WARNING: If you make onlythe minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example; Platinum MasterCard XXXX-XXXX-XXXX-8893 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total cost $29,910.90 $4,474.00 Jan 07, 2011 Minimum Payment 37 Years $69,496 ?.• If you would like information about credit counseling services, call 1-888-326.8055. Pi ,_c on, Al [AST T-is Ara011,Nr LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Limit: 529 600.00 Cash Credit Limit: 514,800,00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the , Penalty APR of 23.15%. Available Credit: $0.00 Available Credit for Cash: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $29,868.19 5562.00 + S60471 + 50.00 _ I 529,910.90 - -----J --- --- ire 6PI i it b 4Jr :. 1`n?-. uW „u •,i I brua ci I i ;,ur it Nrit l:; rays iq , 11 11 1 in i n- m,.irt:, m .tat?re„.tr t. PdI IP r i ?II -?n ?_ 'ie1l. F >LI'?-r' tndzsolu: of RANSACTIONS_____-_J 1-f PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 1 19 NOV DIRECT DEBIT PAYMENT ($250.001 2 09 DEC DIRECT DEBIT PAYMENTAuthDate 09-DEC ($312.00) FEES 1 07 DEC PAST DUE FEE $35.00 Total Fees This Period 535.00 Total Fees This Year 5198.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $524.79 INTEREST CHARGE:CASH $4492 Tota I Interest This Period $569.71 Total Interest This Year $6,532.89 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 23,15%D $27,582,66 $524.79 Cash 23.15% D 52,361.12 $44.92 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 10 0000000312004474002 Account Number: 5178-0572-3273-8893 Due Date New Balance Minimum Payment Amount Enclosed Jan 07, 2011 $29,910.90 54,474.00 PLEASE PAYAT LGA ST THIS AMOUNT Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information A;a Manage your account in privacy 400006 MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3718 I,y..I„L,.,..II,111111'Il,,,r,nnr,l.lllnl?lll?lllnlrulh• Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 IIIIII?'1I?"II?II'Il'IIII?I?"llll?l"II'?'Ill'Il"Illlllll'Illl EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MICHAEL A KULIKOSKY 500012 ` n?Inyour 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. All rights reserved. Fees and Interest Charged 5628.01 i i. I , h r : N vc, lnue lu r , n Fius 11 21, _ ni.u_ +. ris4. iged "tl",t rralpen f iii. "11] ,I ,r. , aso've5lm i l?ltl, (TRANSACTIONS _ PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 1 05 JAN PAYMENT ($200.00) FEES 1 01 JAN PAST DUE FEE S35.00 Total Fees This Period S35.00 Total Fees This Year 535.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES $545.68 INTEREST CHARGE:CASH $47,33 Total Interest This Period 5593.01 Total Interest This Year $593.01 Transactions continue on page 2 Transactions SO.00 _ Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 23.15%D $27,755.75 $545.68 Cash 23.1 S% D $2,407.22 S47.33 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALON E.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 10 0000000200005205000 will C --m Account Number: 5178-0572-3273-8893 Due Feb 07, Date 2011 ( $30,338.91 New Balance - ? Minimum Payment Amount Enclosed 1 5,205A0 J ??-- PLEASE PAY AT LEAST !HIS All slid-I MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3718 .,rill,rnlrrlllhlllllhlllrllurllrllplllnlr,Irrlllhl,ll,n rage 1 oT e??-»>•??.? www.capitalone.com '.. Dec. 11 -Jan. 10, 2011 31 Days in Billing Cycle _ MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, yor will pay more in interest and it will take you longer to pay off your balance. For example: XXXX-XXXX-XXXX-8893 Payment Amount Each Period If No Approximate Time to Pay Off Estimated 'MENT DUE DATE Additional Charges Are Made statement Balance Total Cost 1 Feb 07, 2011 Minimum Payment 1 37 Years $69,392 If you would like information about credit counseling services, call 1-888-326-8055. ararn.ur LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Cash Credit limit: $14 800.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the , Penalty APR of 23.15%. Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information Manage your account in privacy 400006 Capital One Bank (USA), N.A P.O. Box 71083 Charlotte, NC 28272-1083 EXHIBIT A nlllll?lll^nhlrlrllllnlrrllull^Ilrl?lllrllrrllllllllrlul Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MICHAEL A KULIKOSKY Capita what's in your wallet? Page 1 of 2 1.800.955-7070 www.capitalone.com ?l, Jan. 11 -Feb. 10, 2011 31 Days in Billing Cycle - MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, yot will pay more in interest and it will take you longer to pay off your balance. For example: XXXX-XXXX-XXXX-8893 Payment Amount Each Period If No Approximate Time to Pay Off Estimated 'MENT DUE DATE Additional Charges Are Made Statement Balance Total Cost Mar 07, 2011 Minimum Payment 1 37 Years $69,618 If you would like information about credit counseling services, call 1 888-326-8055. ,,r.+ ^''y r LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Cash Credit Limit: 514,800.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 23.15%. Fees and Interest Charged 563636 ?i „r 1 k • <I;a 11, li s,,, h3 -1e ofi your aCCUnt dtr t Idle r.r rinsed ncme?.r i?an?e drab - . I'. -cn-.nu to armie.: a nn;m ro pIr 1 m? frrm ,appenviq _e payteniin nirr ?1 neM amotn ;u, [?'.atr ment cl qil all zt I R a5 .F7e I _re, I , p "ago- nntrol i %nut wrh Capital One TRANSACTIONS _= PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 1 04 FEB PAYMENT ($205.00) j FEES 1 01 FEB PAST DUE FEE 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 sine you call or pay the amount due on your statement by the due date to eliminate the risk of being charged off. D 2009 Capital One Capital One is a federally registered service mark. Ali rights reserved. Total Fees This Period Total Fees This Year INTEREST CHARGED INTEREST CHARGE: PURCHASES INTEREST CHARGECASH Total Interest This Period Total Interest This Year Transactions continue on page 2 S35.00 535.00 570.00 5553.09 $48.27 $601.36 $1,194.37 Help is Available. Just pick up the phone. I Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. - ------------ -- - INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate 5% D Purchases 223 3.15q D S28455 00 5458 027 9 Cash PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALON E.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 10 0000000205005944001 Account Number: 5178-0572-3273-8893 Due Date New Balance Minimum Payment Amount Enclosed Mar 07, 2011 $30,770.27 $5 ,g44,00 J PLEASE PAY AT LEAST rHISAMOINI MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3718 I'nl"(III'nr4rl"Ilrlr'Ili^t•thrllnlrrl°?II•Illhl Take advantage. Take control. Manage your account online at www.capitalone.com Make payments Review account information AQ Manage your account in privacy 400006 i Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIII.,n"uhlrh'IIIPII• Ilnh' II'? III II"Illllld Inl EXHIBIT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. MICHAEL A KULIKOSKY 500343 Ca?n?- Page 1 of 2 1.800-258-9319 www.capitalone.colm/solutions Feb. 11 - Mar. 10, 2011 28 Days in Billing Cycle IMPORTANT ACCOUNT UPDATES Platinum MasterCard 5178-0572-3273-8893 your full balance is due. Any payment you make will reduce your balance and help payoff NEW BALANCE PAYMENT DUE DUE DATE your debt faster. The amount you owe may differ if you've entered into a separate payment agreement. $31,320.96 $31,320.96 PAST DUE Available Credit $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - 530,770.27 I - 1535.00 - l } 5585.69 J } 50.00 1 = 531,320.96 TRANSACTIONS ?I PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 16 FEB Hardship Courtesy Fee Waiver (S35-00) Your account works differently now that you're 7 payments late. Please see the next page for important account information. FEES 1 07 MAR PAST DUE FEE Total Fees This Period Total Fees This Year 535.00 S3SoC $70 OC INTEREST CHARGED INTEREST CHARGEPURCHASES INTEREST CHARGE'. CASH Total Interest This Period Total Interest This Year $506.27 $44.42 $550.69 $1,745.06 Help is Available. Just pick up the phone. Call 1-800.258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 23.15%D $28,509.91 5506.27 Cash 23.15% D $2,501 35 54442 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALON E.COWSOLUTION5 TO MAKE YOUR PAYMENT ONLINE. 1 5178057232738893 10 0000000205000000003 CPO V- Account Number: 5178-0572-3273-8893 Due Date New Balance Amount Enclosed Past Due $31,320.96 MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3718 ,111111"IIIIIIII'Illlll'Ill,,III„III,II,IIIrrI,IIII111L11„111 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. 40000 Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 nlllll?lll nhlrlrlllllll? Iluhrrllrl III Il rlllllldrlnl FMINT A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 01 ', 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. Caplt - Page 1 of 1 1-800.258.9319 www.capitalone.com/solutions MASTERCARD PLATINUM 5178-0572-3273-8893 NEW BALANCE PAYMENT DUE DUE DATE $32,857.82 $32,857.82 Past Due Available Credit: $0.00 J Mar. 11 - Jun. 09, 2011 1 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. Previous Balance Payments and Credits Fees Interest Charged New Balance - --- + -I' 51,536.86 _ 432,857-82 431,320.96 - 50.00 50.00 TRANSACTIONS ) PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 FEES INTEREST CHARGED 1 13 MAR INTEREST CHARGE 2 13 APR INTEREST CHARGE 3 13 MAY INTEREST CHARGE 4 09 JUN INTEREST CHARGE Total Fees This Period $0.00 Total Fees This Year 570.00 534,15 $529.36 $512.29 $461.06 Total Interest This Period 51,536.86 Total Interest This Year $3,281.92 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) to interest Rate Interest Bearing 19.900% $31,32071 S1,536.86 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COW/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 5178057232738893 09 0000000000000000000 W"- ""` 7 Account Numbe r: 5178-0572-3273-8893 Due Date New Balance Amount Enclosed Past Due $32,857.82 MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3718 Manage your account online. AQ Visit www.capitalonextim/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 EXHIBIT A CHARLOTTE, NC 28272-1083 'Illll'I"I'Nllrllllllllllll'I'1'1'11111"'111'1'1"II'Il'II?III Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 01 ( 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 nn 10 sep. 09, eon ) MASTERCARD PLATINUM 5178-0572-3273-8893 IMPORTANT ACCOUNT UPDATES NEW BALANCE PAYMENT DUE DUE DATE 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 $34,428.83 $34,428.83 Past Due differ if you'w entered into a separate payment agreement. Available Credit: $0.00 Previous Balance Payments and Credits Fees Interest Charged New Balance $32,857.81 - ` 50,00 + ( 50.00 + ( 57,571.01 $34,428.83 TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 FEES Total Fees This Period $0.00 Total Fees This Year $70.00 INTEREST CHARGED 1 09JUL INTEREST CHARGE $51219 2 09 AUG INTEREST CHARGE $529,36 3 09 SEP INTEREST CHARGE $529.36 Total Interest This Period $1,571,01 it Total Interest This Year $4,852.93 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject Type of Balance Interest Charge Ra[e (APR) ____ to Interest Rate__ _ ------ interest Bearing 19.900% $31,320.66 S1,571,01 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALON E.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 5178057232738893 09 0000000000000000000 G Account Number: 5178-0572-3273-8893 Due Date New Balance Amount Enclosed Past Due $34,428.83 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. MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3718 Capital One Bank (USA), N.A P H O - BOX 71883 EXHIBIT A CHARLOTTE, NC 28272-1083 '11111'1"I'111LI11111i11111'11'1'11111'"111'1'1"II'Il'II,III Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 0' 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. CaMp?- Page 1 of 1 Customer Service 1.800.258-9319 Sep. 10 - Dec. 09, 2011 www.capitalone.com/solutions -- -- MASTERCARD PLATINUM 5178-0572-3273-8893 IMPORTANT ACCOUNT UPDATES NEW BALANCE PAYMENT DUE DUE DATE Yourfull balance is due. Any payment you make will reduce your balance and help pay off your debt faster. The amount you owe may $35,982.77 $35,982.77 Past Due differ if you've entered into a separate payment agreement. I Available Credit: $0.00 1 Previous Balance Payments and Credits Fees Interest Charged New Balance i $34,428.83 l $0.00 + $0.00 H ( -51,553,94 --'? 535,982.77- - -- -- -J ?- -- ------ - - TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MICHAEL A KULIKOSKY #8893 FEES Total Fees This Period $0.00 INTEREST CHARGED 1 09 OCT INTEREST CHARGE $512.29 2 09 NOV INTEREST CHARGE $529.36 3 09 DEC INTERESTCHARGE $512.29 Total Interest This Period $1,553.94 TOTALS YEAR TO DATE Total Fees This Year $70.00 i Total Interest This Year $6,406.87 Help is Available. Just pick up the phone. Call 1.800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Type of Balance Annual Percentage Balance subject Interest Charge Rate (APR) to Interest Rate _ Interest Bearing 19,900% $31,320 79 51,553.94 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.CONVSOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 5178057232738893 09 0000000000000000000 W"I Account Number: 5178-0572-3273-8893 Due Date New Balance Amount Enclosed j Past Due $35,982.77 L_ Manage your account online. AQ Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 2417 without picking up the phone. MICHAEL A KULIKOSKY 229 GRAHAM ST CARLISLE, PA 17013-3718 Capital One Bank (USA), N.A. P.O. :TT 71883 EXHIBIT A CHARLOTTE. NC 28272-1883 JIIII,L'I'IIIIJIIIIIIIIIIIJrIrl,Illllrr,lll,lrlrrll,llrll'Ill Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 1 CYCLE # 10 CAPITAL ONE CYCLE FACSIMILE REPORT 02/11/2011 - 03/10/2011 PAGE 5225 ACCT-ID: 10009548702 CARD# 5178057232738893 STMT-TYPE: ENGLISH REWARDS: Y TPC: MP HOLD: 000 SAC-PGM: PREV-BALANCE: $30,770.27 PYMTS&CREDITS $35.00 INTR CHRGS $585.69 TRANSACTIONS: $0.00 NEW-BALANCE $31,320.96 MINIMUM PYMT $6,842.00 LATE FEE $35.00 DUE-DATE 04/07/2011 CRETITT_T.TMTT. 79Fi(1n rRFnTT-AVAIL, 0.00 CASH-LIMIT 14800 CASH-AVAIL 0.00 RPAY-TOTMTHS: 439 RPAY-TOTCOST $69,725.67 36MA-MTHPAY: $1,109.07 36MA-TOTCOST: $39,926.45 INTEREST-CTD: $550.69 INTEREST-YTD $1,745.06 FEE-AMT-CTD: $35.00 FEE-AMT-YTD $70.00 HIGH-LATEFEE: $35.00 HIGH-PNLTY-APR: 23.15°% OVERALL-APR: 0.000 CLOSE-DATE . CHRGOFF-DATE: OOB: N MISS-ADDR: N BK-HOLD: N BANKRUPTCY: N LEGAL: N CTC-CHG-IND: NEW: N EBPP: N ARCH: N REASON: 00 HARDCOPY: 04 ACTIVE WATCH: WO CRED-RVK: PD CUR-PD: 07 CTC IND: INS: RETURN-MAIL: CLOSE: CHARGED-OFF: XF ER: FRAUD: OL: 01 MULTI-IND: S PROV-ID: 000001 US PROF-CNTR: 0000000001 COB SERVICE-OWNER: 000023 Superprime OL-OPTIN-IND: TBAL C/I BALANCE AMOUNT RATE CORR APR INTEREST CHRGS MICHART. A KTTT,TT(n9KY Purchases 0001 01 28,509.91 00.0634200 0023.150000000 506.27 229 GRAHAM ST Cash 0002 01 2,501.35 00.0634200 0023.150000000 44.42 CARLISLE PA 17013371829 US TRANSACTION DATA SUMMARY NAME: MICHAEL A KULIKOSKY CUST TYPE: 0 PRINT AREA: 001 NUM OF CREDITS: 00001 AMT OF CREDITS: $35.00 NUM OF PYMTS : 00000 AMT OF PYMTS $0.00 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER 02162011 00006965644 Hardship Courtesy Fee Wai ver 35.00 02162011 C 5178057232738893 NAME: MICHAEL A KULIKOSKY OUST TYPE: 0 PRINT AREA: 020 NUM OF DEBITS 00000 AMT OF DEBITS $0.00 NO DEBIT TRANSACTIONS FOR THIS CYCLE NAME: MICHAEL A KULIKOSKY CUST TYPE: 0 PRINT AREA: 070 NUM OF DEBITS 00001 AMT OF DEBITS $35.00 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER 03072011 PAST DUE FEE 35.00 03072011 D N 5178057232738893 NAME: MICHAEL A KULIKOSKY CUST TYPE: 0 PRINT AREA: 090 NUM OF DEBITS : 00002 AMT OF DEBITS : $550.69 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER 03102011 INTEREST CHARGE:PURCHASES 506.27 03102011 D ? 5178057232738893 03102011 - - - - - - - - - - - - - - - INTEREST - - - - - - CHARGE:CASH - - - - - - - - - - - - - - - - - - 44.42 03102011 - - - - - - - - - - - - D E - - - - 5178057232738893 - - - - - - - - - - to 0-4 CAPITAL ONE BANK (USA), N.A., Plaintiff, V. MICHAEL A KULIKOSKY 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 I am an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, that I am duly authorized to make this Verification, and that the facts set forth in the attached Affidavit are true and correct to the best of my knowledge, information and belief and is based upon information which Plaintiff has furnished to counsel. I understand the attached Affidavit will be incorporated by reference into the Complaint in Civil Action filed in this matter. The language in the Complaint is that of counsel and not of Plaintiff. To the extent that the contents of the Complaint are that of counsel and are relevant to this Verification, Plaintiff has relied upon counsel in making this Verification. Dated: l? [l lo`Z Ava Tuc er N00000039875676 957765969 A088 HAYT, HAYT & LANDAU SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor 40"0 o1 L 31117 ?/ ,,rte . 3'1 Capital One Bank (U.S.A.) N.A. vs. Michael A. Kuliskosky 8. 2 DE Rt 110 J i. F> ' t'1SYt-VA,NIA Case Number 2012-3112 SHERIFF'S RETURN OF SERVICE 05/21/2012 05:38 PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on May 21 2012 of 1738 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Michael A. Kuliskosky, by making known unto himself personally, at 229 Graham Street, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. S A SHALL, DE J? SHERIFF COST: $34.00 May 22, 2012 coy SO ANSWERS, RON R ANDERSON, SHERIFF CAPITAL ONE BANK (USA), N.A. : COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. No: 12-3112 Civil Term MICHAEL A. KULIKAUSKAS, f/k/a MICHAEL A. KULIKOSKY, Civil Action - Law Defendant NOTICE TO PLEAD t.? To: Capital One Bank (USA), N.A. - `' - c/o Arthur Lashin, Esquire Law Offices of Hayt, Hayt & Landau, LLC CD x- 123 S. Broad Street, Suite 1660 =b Philadelphia, PA 19109-1003 You are hereby notified to plead to the enclosed Preliminary Objections within twenty (20) days from the date of service hereof or a default judgment may be entered against you. Datee ? Respectfully,.Submitted, Michael J. Pykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 (717) 975-9446 Attorney for Defendant Michael J. Pykosh, Esquire I D # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone - (717) 975-9446 Fax - (717) 975-2309 movkoshCa)dplglaw,com Attorney for Defendant CAPITAL ONE BANK (USA), N.A. COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. MICHAEL A. KULIKAUSKAS, f/k/a MICHAEL A. KULIKOSKY, Defendant No: 12-3112 Civil Term Civil Action - Law DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, comes the Defendant, Michael A. Kulikauskas, by and through his attorneys Dethlefs-Pykosh Law Group, LLC, by Michael J. Pykosh, Esquire, who files his Preliminary Objections to the Plaintiff's Complaint, and avers as follows: 1. Plaintiff filed suit against Defendant alleging that Defendant owes money to Plaintiff arising out of an account issued by Capital One Bank (USA), N.A. of which Plaintiff Claims to be the Original Creditor. Comp. 11 and 3. 2. The Complaint was filed on May 17, 2012. First Preliminary Objection- Pa. R.C.P. No. 1028(a)(4)- Demurrer 3. The Plaintiff has failed to allege facts sufficient to maintain a cause of action for Breach of Contract and Account Stated. Second Preliminary Objection- Pa. R.C.P. No. 1028(a)(3) 4. The Complaint contains only a general assertion of the amount the Plaintiff claims is owed by the Defendant. It provided no detail as to the date(s) on which the debts were incurred, the amounts incurred on each date, the dates or amounts of payments, nor dates of accrual and amounts of interest charges and other fees. 5. Pa. R.C.P. No. 1019 and Pa. R.C.P. 1028(a)(3) require that the above detail be included in a Complaint of this type. 6. By not including the requisite detail of the account, the Complaint fails to conform to an express rule of Court. Third Preliminary Objection- Pa. R.C.P. 1028(a)(2)- Failure to conform to rule of court (failure to state whether agreements is oral or written, state its terms, and/or attach written contract upon which the claim is based) 7. The Complaint avers the existence of some type of contract pertaining to a credit card between the parties. 8. Pursuant to Pa. R.C.P. 1019(h), where a claim asserted is based upon an agreement, the pleading must state whether the agreement is oral or written. 9. The Complaint does not indicate whether the agreement is oral or written. 10. Pursuant to Pa. R.C.P. 1019(1), if the agreement is written, it must be attached to the pleading or, if not, the pleader must explain its absence and set forth the substance of the agreement. More specifically, Plaintiff has failed to attach the original Loan/Credit Agreement signed and dated, including both original and amended terms and conditions applicable to the credit card agreement. Asset Acceptance, LLC v Margaret Madden dated March 18, 2009, No. 2912 of 2008 GD (Fayette County 2009) citing Atlantic Credit & Finance, Inc. v Guiliana, 829 A.2d 340 (Pa. Super. 2003). Plaintiff has also failed to attach "other periodic mailings detailing changes to the terms of the contract Remit Corporation v Miller, 5 Pa. D&C 5th 43, 45 (Centre Cty., 2008) 11. The Plaintiff has failed to describe the terms of the agreement, nor has it attached a copy of a written agreement or explained its absence. WHEREFORE, the Defendant respectfully requests that her Preliminary Objections be sustained, and that Plaintiff's Complaint be dismissed with prejudice. Respectfully Submitted, Date :_w / 7 Michael J. Pykosh, Esquire I. D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 (717)975-9446 Attorney for Defendant CAPITAL ONE BANK (USA), N.A. Plaintiff V. MICHAEL A. KULIKAUSKAS, f/k/a MICHAEL A. KULIKOSKY, Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA No: 12-3112 Civil Term Civil Action - Law CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Defendant's Preliminary Objections to Plaintiff's Complaint, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: Capital One Bank (USA), N.A. c/o Arthur Lashin, Esquire Law Offices of Hayt, Hayt & Landau, LLC 123 S. Broad Street, Suite 1660 Philadelphia, PA 19109-1003 Date: _k / Respectfully Submitted, Michael J. Pykosh, Esquire I. D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 (717) 975-9446 Attorney for Defendant iLEt- Fig TAI, LAW OFFICES OF ??tt HAYT, HAYT & LANDAU,ZffilJoh 21 By: Arthur Lashin, Ell*-torney ,10 Identification No. 2? 123 S. Broad Street Suite 1660 Philadelphia, PA 19109-1003 (215) 928-1400 OUR FILE NO: 415069 ?APITAL ONE BANK (USA), N.A. VS. MICHAEL A KULIKOSKY for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION No. 12-3112 CIVIL PRAECIPE TO DISCONTINUE WITHOUT PREJUDICE TO THE PROTHONTARY: Kindly discontinue the above captioned matter witho t prejudice. LAW OFFICES OF HAYT, HAYT & LANDAU, LLC By: ARTHUR LASHIN Attorney for Plaintiff