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HomeMy WebLinkAbout12-3759COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS Judicial District, County Of NOTICE OF APPEAL FROM DISTRICT JUSTICE JUDGMENT COMMON PLEAS No o_ -- 3 7? ?1 V) l T? 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 District Justice on the date and in the case referenced below. L KA??-' nox? - ----...--- - 3~ b3 I ?-I r?v?raytabc? < u zn Il t.?/ 1 k,l -- 61 -1,56 12- C V- b 600673-Z L ? Z This block will be signed ONLY when this notation is required under Pa. R.C.P.D.J. No. 10086. This Notice of Appeal, when received by the District Justice, will operate as a SUPERSEDEAS to the judgment for possession in this case. vl? X41 If a lent was Claimant (see Pa. R.C.P.D.J. No. 1001(6) in action before a District Justice, A COMPLAINT MUST BE FILED within twenty (20) days after filing the NOTICE of APPEAL. SOwoture of PmUmnamy or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of fonn to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before District Justice. IF NOT USED, detach from copy of notice of appeal to be seared upon appellee. PRAECIPE: To Prothonotary Enter rule upon Name of 8A"# &(S) (Common Pleas No. Ja, within twenty (20) RULE: To aplle, Name of appeNee(s) appellee(s), to file a complaint in this appeal rule or suffer entry of judgment of non pros. or st wney or agent (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 I If ute of ary -D" YOU MUST INCLUDE A COPY OF THE NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. AOPC 312-02 WHITE- COURT FILE TO BE FILED WITH PROTHONOTARY GREEN - COURT FILE YELLOW- APPELLANTS COPY PINK -COPY TO BE SERVED ON APPELLEE GOLD -COPY TO BE SERVED ON DISTRICT JUSTICE PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF ; ss AFFIDAVIT: I hereby (swear) (affirm) that I served ? a copy of the Notice of Appeal, Common Pleas , upon the District Justice designated therein on (date of service) 20 , ? by personal service ? by (certified) (registered) mail, sender's receipt attached hereto, and upon the appellee, (name) , on .20 ? by personal service ? by (certified) (registered) mail, sender's receipt attached hereto. (SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS DAY OF . 20 Signature of official before whom affidavit was made Title of official My commission expires on 20 L? 64 L3 CX_ < 6 +Jr?? z: cQ UJ C-0 p Signature of affiant COMMONWEALTH OF PENNSYLVANIA Notice of Judgment/Transcript Civil COUNTY OF CUMBERLAND Case Mag. Dist. No: MDJ-09-3-03 MDJ Name: Honorable Susan K. Day Address: 229 Mill Street P.O. Box 167 Mount Holly Springs, PA 17065 Telephone: 717-486-7672 Lisa Warner 116 Meals Dr Carlisle, PA 17015-3100 Disposition Summary Docket No MJ-09303-CV-0000073-2012 Judgment Summary Participant Capital One Bank (USA) N.A. Lisa Warner Plaintiff Defendant Capital One Bank (USA) N.A. Lisa Warner Joint/Several Liability Individual Liability $0.00 $0.00 $0.00 $7,882.12 Capital One Bank (USA) N.A. V. Lisa Warner Docket No: MJ-09303-CV-0000073-2012 Case Filed: 3/22/2012 Disposition Disposition Date Default Judgment for Plaintiff 05/17/2012 Amount $0.00 $7,882.12 Judgment Detail (*PostJudgment) In the matter of Capital One Bank (USA) N.A. vs. Lisa Warner on 5/17/2012 the judgment was awarded as follows: Judgment Component Joint/Several Liability Individual Liability Deposit Applied Amount Civil Judgment $0.00 $7,689.64 $7,689.64 Filing Fees $0.00 $158.00 $158.00 Server Fees $0.00 $34.48 $34.48 Grand Total: $7,882.12 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE ,__T, _ CQ1RT OF C4MMQIJ PI?F ANN Q,O FUR„liR PROCE$S_MY BFI t? BY T_ H 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. d\ Date -r Magisterial District Judge Susan K. Day 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: 06/01/2012 7:41:33AM Capital One Bank (USA) N.A. V. Lisa Warner Participant List Private(s) Michael F Ratchford, Esq. c/o Edwin Abrahamsen & Assocs, PC 120 N. Keyser Avenue Scranton, PA 18504 Plaintiff(s) Docket No.: MJ-09303-CV-0000073-2012 Capital One Bank (USA) N;A. do Hayt Hayt & Landau, LLC 123 S. Broad Street, Suite 1660 Philadelphia, PA 19109-1003 Defendant(s) Lisa Warner 116 Meals Dr Carlisle, PA 170155-3100 MDJS 315 Page 2 of 2 Printed: 06/01/2012 7:41:33AM ur I ?{6itv7YY ?'`W7!! PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEA?TH OF PENNSYLVANIA COUNTY OF ss AFFIDAVIT: I hereby (swear) (affirm) that I served Cl V117R'l" ? a copy of the Notice of Appeal, Common Pleas 12'3 V , upon the District Justice designated therein on (date of service) e 20 20 J2--, El sender's receipt attached hereto, and upon the appel ?h, A? 267 , 20 /j, El by pers sender's receipt attached hereto. (SWORN (AFFIRMED) AND SUBSCRIBED BEFORE ME THIS DAY OF 20 ) a•.. Signature of official before om affidavit was made Q.?.t,7, rt Title of official My commission expires on ??(..? O ? 20?_. NOTIIIIIAL SEAL ft"Pvbk T PENNBlfOlq TW... OHISINIILM ONW Mr GuNds q1 Et Ph" j" 11120/6 by personal service Sr by (certified) (registered) mail, lee, (name)1' K , on onal service by (certified) (registered) mail, UOMMONWEALTH OF PENNS COURT OF COMMON PLEAS Judicial District, County Of NOTICE OF APPEAL FROM I DISTRICT JUSTICE JUDGMENT COMMON PLEAS No »'` 1 NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an awl from the judgment rendered by the District Justice on the date ar in the case referenced below. ' Jay y Lj,;& AA (V i-C t Di - ADORE CnY STATE 'I'MieA \>y DATE 'M ? t DDCKE t? U/1 This block will be signed ONLY when this notation is rwored under Pa. if a ant was Claimant (see Pa. R.C.P.D.J. Na 1001(6) in acAm R.C.P.D.J. No. 10086. This Notice of Appeal, when received by the District Justice, will operate as a before a District Justice, A COMPLAINT MUST BE FILED wihin twenty SUPERSEDERS to the judgrnent for possession In this case. (20) days after filing the NOTICE of APPEAL. sook" &PMdWnowyorV@PWy PRAECWE 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 District Justice. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon haf o'V 111 IIA Norm of a) (Common Pleas No. r i/ ) within twenty (20) days a servo RULE: To t) 1)1,4,11 fire INO / 4'' KA? I appell Nerve orOPPOW s(s} appellee(s), to title a complaint in this appeal rule -`suffer entry of judgment of note pros. I I/ (1) You are notifieii #W a rule is hereby entered upon you to file a complaint in this appeal within ice, (20},A?yrs. a>terdt w date of service of this rule upon you by personal service or by cad or regWered Mao. (2) If you do not file a cow lalnt within Ibis time, aJUDGMENT OF NON PROS MAY BE ENTERED 1$T:YExJ. (3) The-date of service iaf this rule: if service was by mail is the date of the mailing. ' Date: 20/a or or 0" YOU MUST INCLUDE A-COPY OF THE NOTICE OF JWXM49NTfTR1 CNRT FORM WVITH THS NOTICE OF APPEAL. AOPC 312-02 WHITE- COURT FILE TO BE FILED WITH PROTHONOTARY GREEN - COURT FILE YELLOW- APPELLANTS COPY PINK - COPYTO BE SERVED ON APPELLEE GOLD -COPY TO SE SERVED ON DISTRICT JUSTICE :. Fir IN THE COURT OF COMMON PLEAS Hi 0 TAY CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. a. D , , t 4851 COX ROAD GLEN ALLEN, VA 23060 vs. LISA WARNER 8 MATTHEW CT CARLISLE PA 17015-4364 CIVIL ACTION Plaintiff NO: 12-3759 Defendant C,"!,"?FRLPJM COUNTY i IL, it LA NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice Defend are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be enter, against you by the court without further notice for any money claimed in the Complaint or for other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 ! , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A CIVIL ACTION 4851 COX ROAD GLEN ALLEN, VA 23060 Plaintiff VS. NO: 12-3759 LISA WARNER 8 MATTHEW CT CARLISLE PA 17015-4364 Defendant COMPLAINT Plaintiff, CAPITAL ONE BANK (USA), N.A. , by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, Capital One Bank (USA), N.A. , (hereinafter "Plaintiff") is a with a principal place of business located at 4851 Cox Road Glen Allen, VA 23060. 2. The Defendant Lisa Warner (hereinafter "Defendant") is an adult individual residing at 8 Matthew Ct Carlisle PA 17015-4364. 3. At all relevant times herein, Plaintiff was engaged in the business of debt and collection. 4. Defendant applied for and received a credit card issued by Capital One Bank (USA), N.A. with the account number ending in 9046.(See, Application attached hereto as Exhibit "A".) 5. Use of the Capital One Bank (USA), N.A. credit card was subject to the terms considerations of the Cardmember Agreement (hereinafter "Agreement"), a copy of which was I % 1 sent to the Defendant along with the credit card. 6. Defendant used the Capital One Bank (USA), N.A. credit card account number ending in 9046, for purchases, cash advances and/or balance transfers. 7. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card. (See, Statements attached hereto as Exhibit "B".) 8. The Defendant defaulted under the terms of the Agreement by failing and to make monthly payments on the account as they became due. (See, Cardmember Agreement attached hereto as Exhibit "C.") 9. The Defendant last made payment on January 13, 2011. 10. The total amount due and owing the Plaintiff including interest, is $7,689.64. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $7,689.64 plus costs of suit and any other relief as the Court deems just and appropriate. Respectfully submitted, Edwin A. Abraham n & Assoc. Michael F. Ratchf d, Esquire Attorney I.D. No .: 86285 120 North Keys r Ave. Scranton, PA 1 504 mratchford@eaa-law.com Phone: 570-558-5510 Fax: 570-558-5511 r VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff, CAPITAL ONE BANK (USA), N.A. , fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. EXHIBIT A - ,:., ' ' offer Expires: o5/ol/2oo4 Please see the enclosed Important Disclosures for rates, fees and Transfer Balances For The Last Tim R L ! I.. eoramr other cost information. 8pp 8.9% Fund APR Upon approval, IF no card design is selected, you will receive our Silver Matrix car ?Yes Would you be mwmsted in blank checks to use for cash advances? This transfer service is free. Act now and get t d h d f d f b W U E ac e ort ms ea (roar forrtans erng a ices se a ) the savings you deserve! !:L: :* Do have any bank accounts? I1VW ledong & Savings 2 ?Gieclong only 3 ?Savings only 4 ?Neither Use the Transfer Request below to apply. exbarthatriwsidasehyappaesJ your ampioyment stat" played (Part-tme o Mime} ? Not Employed To avoid delays, provide all mformation requested Please prlntdearly I black or blue Ink. -"--Social Security Number T Date of Birth yarmn vrv o - I T Home Phone Number pip rmuxaradx7sr) Mother's Maiden Name (rar pam w) ?01b Transfer Opportunity I E-mail Address (optlm+a6 YES' 1 want to transfer the following balance(s) immediately, and agree to r Notice from Capital One' later along with other account information. Maxi eive the Privaty um total transfer i o fee for this amount will be teased on my approved credit line. There s n rvice. _ _ J , Card/Loan Issuer ( ?yp? ?il/j LC (Z r// C v (?r? I C/ u h , If you are enrolled in school, please complete the following section. - Name of School you are attending (noabDrsrlatloirr pracaJ School year ?freshman ?Sophomore ntdum 6 ' C ?dunwr ?Semor ?6raduate Student School Phone Number When do you expect to graduate? (mom w) Spednc Amount to Pay 7 i5 v 0 a Transfer up to 4 additional balances ! have rand and agree to the 1AVVRTANT DISCLOSWO and krms of Offer enclosed mdudhng the provWon and save even morel (see retme) rabhog Aftration You are a to t«heck creditand employment history and school status, It ap 1 wr R I read and agree to the banderhdommatim endosed fil r 8249001574354 012 007 sr re Date 6249-1,6,7 Lisa Smith II 1322 N West St ?11 Carlisle, PA 17013-1454 IIIIII9999'I I 1777 Please cross out and correct name and address if necessary. EXHIBIT B s0oszs important notification 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 C-apM3 in an effort to consistently implement laws that only recently became effective. Page 1 of 3 1-800-903-3637 www.c:apitalone.com sa Platinum NEW BALANCE S7,097.74 Credit limit: 57,600 GO Available Credit: 50.00 XXXX-XXXX-XXXX-9046 DUE' k1111k'1.7i'- Total Fees This Period Total Fees This fear Cash Credit Limit: 57,000.00 Available Credit for Cash: SO. CO r Previous Balance Payments and Credits Fees and Interest Charged Transactions _ New Balance 1111 __ ? ? _ i 50.00 ? + 5127.63 {- f S50.00 i 57,097.74 S6,920.11 ----? L_ - ? ---- `- - 097.74 -------- --- ---------- --- Thank you for choosing elechonic statements,'fou are receiving a paper statement thr, month because mp needed to provide you rifh intormation about your account and warded to make sure you receihwl it in ?atitinq I TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR USA WARNER #9046 TRANSACTIONS FOR USA WARNER #9046 1 04 OCT PA'f?G.:'i- V2008402-93 5-7 7 3 36+ 550.00 ? Total Transactions This Period $%00 Sep. 06 - Oct D5, 2010 30 Days in Killing Cycle i MINIMUM PAYMENT WARNING: N ym rake only the mininum payment earh period, you M11 pay more in interest _ it v.Ill L:#e you Irn,ge1 to payoff ym balarKe. Fot exampk': Payment Amount Each Period If No Apprordmate Time to Pay Off Estimated Additional Charges Am Made Statement Balance Total Cost Minimum Payment --- 25 Years 116,1343 If you wound Ile inf-iion alurA aedh cmuseliig servkes, call 1-!i&5-326-SrY?S. LATE PAYMENT WARNING: If we do not rerc. w your mir"im payment by your due dare, yo, mu:y have to pay a late fee r4 up to $35.00 and your APRs may he inaeased up to rt e Penalty APR of 29.40%. 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 FEES 1 02 !)CT PAST DUF FFF Transactions continue on page 2 S25.001 S25.00 564.00 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 Pruchases 17.90%') 56,976.21 5102.63 Cash 2490%D so.OC SOOO PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CARTALONE. COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362635459046 05 7097740175000372009 Account Number: 4862-3626-3545-9046 Due Date New Balance ?': ;r;raels V,1r'; o)t Amount Enclosed Nov 02, 2010 ( $7,097.74 _ - \ -_ t LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2001 I111'IIIIIEIIIIII""IIII'IllIIIIII'Ilrlllllr,Iplllll'Ilrllrlrll 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 P-O Box 71083 Charlotte, NC 26272-1083 ulllllrltl??nlllrlrhlllllr?llu4r?llrlrlll?ll^Illllhlrhll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Flow -I avoid paying later t Cl,,-,? Each ornnth you pay your "New Balance" in full, you suit have a uifnimurts grace period of 25 days with no interest charge on al its. 1) purchases, 21 balance tramters, 3) special purchases and 4) other charges-If you have been paying your a. court: in full whh no imner. charges applied and you bo net pay your next bit in toll, prorated inlersr charges sail he assessed There is no grate period on cash advances. >n-lal hamsters, or on any new to-:nsauaino When 'he, is an oupaid balance from a prrwious Mil. Hoe, is the Interest Champ applied? Interest charges acnur fmrn the 1) date of the n, 2) date the transaction is processed or 3) first calendar day of the hung period, lum est?chettles acme on even• unpaid anwunt .,,it it is paid in fu& this means you may we y par the ers ire "New Blanc o month, boll did nor do so fur the interest chary, es even if uu pr,vioun ion-h Jr_rpsaid nto-I harges are added to the proper srgm-mil of your Account. However, we resen•e the right 1. trot assess interest charges at any time. Do you assess a Mint-lnterp4 Champ? Yes. A m"- INTEREST CI-lAWF. of 50.50 till he assessed for each biting period you, account is subject to au interest charge. How did you Calculate the Irderest t7taraeI There are several calculation that are used to determine your total interest charge. 1. To get row Daily Balance: For each segment, 1. S take the beginning be4xxe and add in n- transactions and the Iaeriodk interest charge on the previous days balance. 2) Subtract aoy' payments and credits for that segment as of that day the mvAl is the daily balance for ash s.3mermt. However, if you paid your previous month's balance. in full or it yo ur halanxe was -, o credit amounil, new iremarTinos 114101h post m your purchas w usrr;al prnchase segment a?e n>: added to the daffy balances. Also, sacdons that are objert to a grace period are not added to the daily balances. 2. To find .rage Daily Balance: 1) add the daily balarxrs togxthn and 2) divide :he arm by the -Ian of days in the tilling r. rule. 3. Fstime-,e your Total interest Charge: 1) multiply your -age daily balance by the daily M, indic rate and 2) multiply the result by the number of days in the biting period NOTE. Due to rounding ur a minimum' interest charge, This calculation may vary fmrn he interest charge actually assessed. Hose can my vadabie An nual Percentaa. Flat. (APM change? Your APR may krrrease tx decrease based on one of set ?n standard indices rryured in The 1a:afl S•reet;ourmil. To find which index is mend for yaw accent, look for a code (P. I. C. S, D or F) on the front of this Malmuent next to the AFRO. Then cheek the table helowv Coda: next to your Annual Percemage Rate (APR) Index wlsich your rates are based on When your Annual Percenisage Rate will change p 0-ted, Prine+ nnrgio po-iwsty disclosed to you The ffnl day of dto L Ouadecly Llea • margin p,-iwrJy discksed to you baling periods Beat C uadwiy W+ mien gin previously eksclowd to you and in January, April, S &udcard Prior + margin go•iously disdosad to you July and October. D rtmlNy Frtrms + margin praacraely disdosexi to Too The first day oI wish F Mru thly LIBOR + magio pmw usly dia;kaeed to you mthly bieing iu - airy LIBOR + margin proven vaty drecks.- to you period - Am there Addiftio ail Fees assoclated with troy account? Yet, under certain rincumstancm. you mar be assessed a Late or Returned Payment Fee. You may ahe be charged overlimit fees it permitted by law W. rescyw the right to not assess fees widtou: prior .like and without waiving our right to assess a sirniler fee later. Flaw, rcan I Close My Arcorert? Yrxu may close your account by rating or visiting our C stom.' Rekrions Deparunnu. At that time, we will provide additional details including payrrwnt inf. u,matinn. If you osp rout credit card or charges post to your acroo t aft- you ask u, To close it, wve can keep your account open To avoid preying any apgicable merehnihip fees, rail to close your account pow to the end of the cycle in which It is scheduled to be billed. Met happens If ny Arrnunt Is Su rningl.dl We may dose w suspend your corp..: and your tight to obtain credit at any time and fur any reason, even it you are riot in default Account -pension can be permmnent or ternpnrarl If yos r accnuni n ckned w susp e.ded it stop uskg you rtedt card and account, 2) cancel at automatic payments, 31 you most destroy all Ueda cards and access rherks, and 4) pay all artaawts you owe ter, even if they mote charged after the account was closed or suspended. How, do 1 Make Pawrvnts? Payrtems you mail to us will be credned to you account as of :he business day we receive it, as long as t) you send the bottom porion of this statement and your check in the enclosed remittance cri elope, and 2) your payment is received in one of our processing centers by Spm local time. Please allow at least (7) business days Per road defiveo, Mailed payments received by us at any other location or in any other form rnav not he rredired as of the dey we receNe them Do you Aocess Paper Checks as an FJectrwdc Fwtds Trander'I When yuu provide a check as payment, you authorize us rend our agents either to use intormation from your check To make a one-time elac:"nic fund transfer fmrn your deposit account m to process the pTayrneot as a check transaction. Vyhm we use information from your check to make an elements fund tr ant."zr. ftxsds r,uy be -,Athdrawn from your deposit account as soon as the same day the w your payment and you will not receive. row rhpck back fro your financial institution. Your author-atirn is out limited by the date on the check We may resubmit and el,monu a Illy, -11-T the ml-d payments. what B I file for Bankruptcy? If you are entitled to bankruptcy protection, this mmration 4 for iufwma'ion only, it is not an attempt to cotes[, assess or recover a dent or claim. Do not send us pay-- without speaking with your bankruptcy attorney or the Bankruptcy Court. if you or your attorney would like to contact our WrJwptcy claims se vie -r directly. please cons- Capital One" PO Box 85167 Richmond, VA 23235-5167 FULLING RIGHTS SUMMA WY (Does Not Apply to Small Business sSicounts) What To Do It You think You Find A Ntstake On Your Stateneut. It you thick theme is an on your statement. ..'rite to of at Capital One P:). Box 30265 Sal. Lake City, UT 64130-0265 In your letter, give us the following infer "Wit" Account information: Your name and -X.out number. D L,, amount The dollar anwunt of the suspected. ro(. Description of Problem: It you think there is an error on your hill, describe what you believe is wen and wily you believe IT is a mistake YoutMost contact us within tiff days after the enter appeared on your statement. . mirfY us of arc) pxstential c+mxs in writirmo You may call us ur potty rev elertrnnic?Ny, but t you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we inestigam whether or nor there has'seen an error, the following are true: We carwmoi try to collect the announ: in question, to report you as ddinquent on that amcawmt. The charge in question may remain on your statement, and we, may continue tee change you interest at that amount. But, t eve de consine that we made a mistake, you wail cwt have to pay the ait'unt in question or any interest or other fees related to that amount. While you do nor have to pay the amount in question until we send you a notic e atsout the us-me of our investigation, co, ran, respon,;Nz for the reminder of row hak.nc,. . We can apply any unpaid amount against your credit limit. Your Rights B You Are Dissatisfied With Your Credit Card Purchases. B you are dissatisfied with the goods or services that you have purchased with your credit card, and you have Tried in good faith to cosec: 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 fol wSing must be true: 1. The prxchase must have been made in your home Matz w within 10o mies of your urea' mailing address, and the purchase price roust haw been (note than $50. (Note, Neither of these scary if your purchase was based on an adv.-tisement we mated to you, or it we owns the company that sold you :he goods or services.) 2. You most have used your credit card `or the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not W Aify. 3. Yeas must not yet haw fully paid to, the pur,--hasp. If all of the criteria above are met and you are still dissatsfied with the purchase, -Wacl us in svd•ing at: Capital One P O. Box 30265 Sah Lake City, JT 84130-02 Wi While eve investigate, the same rules apply to the disputed anwunt as discussed above. After we finish our investigation, we will tell you our decision. A: that Mint, it we drink you owe an amouflt and you do not pay wr may report you as delinquent. Capital one supports informati:m privary protection: see oar website. at wwnv eapifakare. tom Capital One is a federally regntned service mark of Capital One Financial Corporation. All rights rese+vc-d €i 2010 Capital One t?: DB 0SD1i10 Changing Address? Address.. ......................................................................................... ........................................................................................... Home Phone ........................................................................................... Alternate Phone ........................................................................................... E-mail `O Address ........................................................................... Pl i t dd h b h b i bl bl k i k n ease pr a ress or p one num er c anges a ove us ng ue or n . ac Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. Last but not least, be sure to write your 16-digit account number on your check. IT, r ? 500008 what's rn your walfet7 It could happen to anyone. Make sure you pay the amount LISA WARNER due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) CrJ 2(NIY Capita( Onc. Capital (1nr r, u ?cJcraLy renotrrrU snz•icr mark. AU riphrr rc.mcU. Page 2 of 3 1-800-903-3637 www.capitalone.com Sep. D6 - Clct. OS, 2010 30 Days in Billing Cycle Credit Cnnit: 57,00000 {visa Platinum XXXX-XXXX-XXXX-9046 Available Ciedit: sC OC NEW BALANCE Cash Credit limit: S?,COG 00 57,097.74 :: a•. 5 .......- :•• ... :.•.., --- - - Availahle credit for Cash: - SC OC, - Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance --- `----SO.UO-- + (_- 5127.63 H- S5U.IN)- ----J - -- l --- 5/,091./4_.. -. j J TRANSACTIONS CONTINUED INTEREST CHARGED !Wz REST CHART EPURCHAScS S i0Z63 total oetest'his Period 5102.63 total ,Merest This Tear S1,07.60 eou •r:ere assessed a past due lee because Yonf minimum payment leas not feceived by the due date. TO avoid this tee in the future, we recommend that you allow at least 7 business days fir you minimum payment to reach Capdal One. zooe>> important notification NV of a change in terms to your account We've recently made changes to the following account terms and policies. Please take a minute to read about the changes to ensure you fully understand their impact. Effective December 5, 2010, your Late Payment Fee will change. This change is described in the table below. Please be aware, you cannot decline this change to your Late Payment Fee. Late Payment (Past Due) Fee: I Up to $35. Late payment fees will now be based on the amount of the minimum payment due, and whether the account was late during the previous six billing cycles. Changes to other penalty fees: Consistent with new federal credit card rules, we've revised the following fee policies. In no case will your fees be higher than they were before this change. In some cases, your actual fees may be lower than the maximum amounts below: Over-the-credit-limit Fee: Up to $29. This fee can only be applied to your account if you give us permission to charge a fee when you go over your credit limit. Returned Payment Fee: Up to $35. Limitations on Annual Percentage Rates (APR) Increases: We've recently revised our policy on interest rate increases. These changes include the factors we may consider and notices we send when increasing rates. These changes are based on the new federal credit card rules. We are not increasing your current rates at this time: • We may increase APRs on existing and new balances if your account is 60 or more days past due • We may increase APRs for new transactions after your account has been open for a full year, based on any factors, including your creditworthiness and market conditions • We'll always send a notice that lists the main reasons for increasing your APRs at least 45 days before the increases take effect • If we ever increase your APRs, we'll periodically review your account to see if you're eligible for a rate decrease 500422 Image Card -r Your card. Your choice. For FREE. You're one of a kind. Why should your credit card look like the rest? Without paying a penny, you can personalize your card with your favorite family photo or your child's painting and create a card that is as unique as you. Just visit capitaIone.com/imagecard. - - ------ --------- ---- --- --------- -- -- - - Page 1 of 1 1-800-903-3637 ?-_---- www.capitalone.com Oct 06 - Nov. 05, 2010 31 Days in Rilling Cyr_ie MINIMUM PAYMENT WARNING: gym n eke only the mini-n paymmt each period, •rou will pay more in imrrest aid it vill fie you longer In pay off yrnv balance. for 1.-ple: Visa Platinum XX)O(-)00(X-XXXX-9046 Payment Amount Each Period If No Appmrdmate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Am Made Statement Balance Total Cost $6,907.48 5775.00 Dec 02, 2010 klinin,,m Payrrert 25 Years }16,621 $249 3years $t1,9r9 _- Your estimated savings if you pay off this balance in 3 years: 57,643 ettasEpar gt rEas-1MI5 an, iui Credit Limit: S7,000.00 Cash Credit Link: 57,000.00 If y- would like idorn.avon about oeedit a1, p.seling services, call b558-316-5055. Available Cretin: S92 52 Available Credit for Cash: S92.52 LATE PAYMENT WARNING: R we do Pot receive your mnimum payet by your ore date, _ -- --- -------------- you may have to pay a late tee of up to $35.00 and your APR; may tr.° increased tip W the Penahy APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 57,097.74 5372.00 - - --------------- -- + 510614 + 575.00 = 56,907.48 `----- ' .TRANSACTIONS _ PAYMENTS, CREDITS 6 ADJUSTMENTS FOR USA WARNER #9046 1 06 OCT CAPITA: ONE ONUNE P,'A'TAuthDate 05-(X (5175.001, 2 02 !40V CAPITAL ONE ONCSIE PYl;.;Aul iDale 02-NOV 6197A0) TRANSACTIONS FOR USA WARNER #9046 1 07 OCT ?:irPA!-'i-1AP?003402,9357?330.4 575.00 110- Total Transactions This Period 575.00 FEES Total Fees This Period 50.00 otal Fees This Year 564.00 INTEREST CHARGED INTEREST ?1ARGc PURCHASES 5106.74 Total Interest This Period S106 ?4 Total interest This Year 51,14434 Image Cards ... letting YOU show through. Image r r Card - ?.. Create your own personal masterpiece. Just visit capitalone.com/imagecard. 30oo1T 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 Puicheses 1790%.") S7,02'.58 5106.74 Cash 24.9SIC OC so,m PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362635459046 05 6907480197000175007 Account Number: 4862-3626-3545-9046 Due Date New Balance Minimum Payment Amount Endosed Dec 02, 2010 $6,907.48 $175.00 \ ?- PLEASE PAY AT LEAST THIS AMOUNT LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2001 (1111.1 GO PAPERLESS! The trees will thank you. Sign up at www.capitalone.com 400010 Capital One Bank (USA), N-A P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIII - III -- IIIII - II - IIIIIIIrrIhllr-ll,1-III-II^IIIIIIII-IIII Please make chedcs payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Creating your personal masterpiece is fast, easy and FREE: 1) Log in to your account at www.capitalone.com/imagecard 2) Upload your favorite image 3) Adjust, confirm and create your very own work of art C, 2010 (ItpitalOne. Capital One iy a federally reKisterrdsemi, mayk. ;111 rota -r-d. Flow can I avoid paying Irrterevt Ch.-, Each n oreh you pay your "New Balance" in full, you suit have a irsinimum grace period of 25 drys with no interest charge net all new 1) prrh.mi, 2) balance conifers, 3) special purchases and 4) .,her charges. It you have been prying •yeu, a: count in full evkh e. interest charges apflied and you do rot pay your next bill in toll, prorated interest charges swill be assessed There is no grace period on rash advances. special rassfn or on any rr-w transaction ever- there is an unpaid balance from a I.-iou, Nil Nov, Is the Interest Charge appNedl Interest charges -rue from the 1) date of the transaction, 2) date the transaction is processed or, 3) tint calendar day of the IH)ing period. lism-t charges accrue on eve, unpaid annum until it is paid in full. This ream you may ewe interest charges even is you pay the entire- "New belance" one month, but did not do is for the pevious month. unpaid intemst charges art, added to the Ixopet segment of your Account. However, we reserve the fight to riot essess intemsr charges at any time. Do you asses a Mlnlmm Mtwest Chame,1 Yes. A minimum INTFREST Ob?E of 50.50 will be arse Si, for each yr'lisg period your accnun, i, wbiect to an interest charge. t/orv did you [alculate the IrAerest charge? Iere are -el al cakula:ions :hat are toed i. deter se your total lnenes[ charge-. 1. To ' I your Daily Balance: Fur each segment, 1 I take the beginning Z.nc and add in v , a and the periodic interest charge on :he previous da7', balance 2) Subtract any par?Fnts and cmdinfor that srgnsent as of that day the result is the daily ball rue for each segment l+nwever, if you paid your previous -Th" halame in full (m it your balame was zero co, a credit amount), mw transactions which nowt m your Wirth- or special r.-hose segments are not added to the daily balances Also. ,,an, Ihat are subject to a grace period are not added to the daily balances. 2. To tied -age Daily 6elancc_ 1) add he daily b,larres together and 2) divide the sum by the. -mber of days in the billing r zle 3. Estimate your Total Interest Charge: 1) mohiply your -,age daily balance by the daily periodic are and 2) rmuhiply the result by the number of days in the baling period. NOTE. Due to rounding or o m nimuan inemit charge, this calculation may vary from the interest charge actually assessed. lbw an my radabk Mnnat Percentage Rate (APEO change? I.- APR may increase x decrease based on one of seven etanAad indkrs reported in The Wall Stmer ,oral. To find which index is used for tar accuunr, lookfco a (ode (P, L. C, S. D or F) cot the from rd this Mater, _ next to the APRs). Then check the table below, Code rma to your Annual Percentage Raze (APR) index which your rates are based on Wlwn your Annual Percentage Rats will change P 0. dorly prime f• margin ppcviously 6selosod to you di The first day of the L .iscksed to you Cuarh ly LIBOR - margin pievi-i, billing prorioda r-at C ]uade ly EY3. margin pi-iouusly [ksclosvd to you o rd in Jarwary, Apt, S Bank- Prino. rtargin posiously d)sdosW to you July .rid C,tol r. D Monthly FAme, margin p ivbaudy disdxad to you The first day of each F Monthly LIBOR . c-gk, pevi...IT di-loos d to you monthly billing u ' a stry LIBOR . margin previously d-adored to You piriod. Are there Additional Fees asoclated whh my account? Yet, under [Main cirr.[ms[anrrs, you may be assessed a Late er Returned Payment Fee. you may aloe be charged overlitoil Tres it permitted by lase. We reserve the right to not assess fees without prior notice and svizhout warcing our right to assess a similar fee later. Ibvr ran 1 -lose My Account ? You may close your account by caning or writing our Customer Rela[lons Oeparment. At that t me, we will provide additional details including pay Bust irYfurrratinn. If Your use your credit card or chary,-s Inst to you acrouat ar:er tort ask us to close it, we can keep yw account oP'en To avoid paying any applicable merMstrtsip fee; czll to close your account prior to the end of the cycle in which i! is scheduled to be billed. What harsperes If nay Acrgum Is Sumerrded? We may close or suspend Vow atroun: and your tight to obtain credit at any Time and for any reason, even it you are no! in default. Acrrrwst wspensinn can be permanent or temporary n your -mart is cloud or suslx'nded you must 1) stop ming your credit card and account, 2) cancel all automatic payments, 3) destrq all credit cards and access checks, and 4) pay all amounts you owe in, even if they evert charged after the account was closed or suspended lbw do I Make Parrnerts? Payments you nag to us will be credited to your account as of the hunine, day we receive it, as long as: 1) you send the bottom portion of this statement and your check in the emlosed remittance erwekipe, and 2) your payment is received in one of our processing centers try 5pn local time. Please allow at leas! (7) business days for mail delivery. Mailed payrents received by m at any other location or in any ocher form may riot he uedirnd as of the day sue re. e e them. Do you Process paper Checks as an Clecywric Fwsrls Transfer? When you provide a check as payment, you awhortm us and our agents either :4 use information from Vow cherk to make a one time electronic tund transfer from yw deposit account or to process the payrnent as a check n, n. Wheis we use infer . on fro n your check to rake an elertronic fund tran sfar,funds nay be :withdrawn from your deposit account as soon as he same day we ratei ve out, payment and you vol not receive your ::heck back from your finarrcial institution. Yoe x authorization is not limited by the date on the check. We may resubmit and elemomcally collect the reamed payments. Whit H I fllefor banlvuotcv? It you are entitled o bankruprry pro:.. , :his tion is for intimation only. it is not an attempt to collect a a deht or claim Do not send us pa,-rrT tvithout sNaking with your bankruptcy --ca" or the bankruptcy Court. If you or your alto, n y would like to contact our bankruptcy claims srmvicer direrdy, please contact: Capital Ono PO bur. 85;67 Richmond. VA 23295-5167 FULL ING Mi3WITS SUMMARY (Ones Not Apply to Small Business Accounts) What T. Do It You think You Fired A Mistake On Your Statement If you think there is an on your statement wrote to us at Capital One P.O. W. 30285 Sall lake City, UT 64130-0265 In your letter, give in the following ert.-o .., Account intimation. Yom name and accnun; number. Dollat amount. the dollar arount of the misr,ectc-d eror. Dexrotion of Problem. Y you think there is an error on yew hill, describe what you believe is wrong and 1Mty you believe it is a mistake I.. must contact us avitlsin rift do,, after the error appeared on your sra[ement. y'ou unity us of any potential outs in tir,q. Y•vu neat call us or nu:ity us ele; route ally. but it you do wr are not required to irrvestigaue any potential error: and you may have to pay the amount in question. While we investigate whether co, not there has been an error, thefulkno ing are True We control try 1. culled ;he oulswu 4, ques:ten, or report tog as delinquent is that ...rrru The charge in question may remain on you sween-1, and we may, continue to charge you interest on that amount. But, t we determine that we made a rnistake, you will ,sot have co lay the amour: in question or any ire.- or other fees mlened us that amunt_ While you do not have to pay the amount in question until we send you a notice about the ocatmrr of nor investigation, you are mizinesiblefor the remainder of your balane e. . We can apply any unpaid amount against your crest limit Your Poghbl If You Are Dissatisfled WM Your Cradlt Card ILrchases. If you are dissatis`icd With the goods or services that you have purchased Ivhh your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to riot the remaining amount due on the purchase. To use this right, all of the following must he true: 1. The purchase must have been made in your home state or within 100 miles of your rcrr-t -ling address, and the purchase price roust ham been more than $50. (Note. LJeither of these are necessary N your purchase was based on an advettisement we mailed :o you, or if we ouwl the company that sold you the goods or services.12 . You must have used your credit card for the purchase. Purchases made with rash aAlances trorn art AIM or with a check that acrenes ymr credit card account do not qualify. 3 Y err nor 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 vritinn at. Capital Cum, P.O. &,x 30285 Sal[ Lake City, 1JT 841 3 502 85 While sue investigate, the same rules apply to the disputed amount as discussed above- After eve finish ow investigation, eve swig tell you our decision. At that point, if eve think you owe an a mount and you do not pay eve may report you as delinquent C.spital One supports information piivaev protection: see our bsite or wren, rali[alone rum Capital Une is a federally registered service mark of Capital we One Financial Corporation. All rights reserved y,-, 2010 Capital One K:- rs D-in, /10 Changing Address? Address ................ Not quite ready to make payments online? ....................................... No problem. Follow these simple steps to make sure ........................................................................................... Home Phone ........................................................................................... M. Alternate Phone ........................................................................................... E-mail 00 Address .__ ......................._.................................. Pl i dd h h i bl bl k i k t b b ease pr n a ress or p one num er c anges a ove us ng ue or n . ac we process your payments smoothly: a Don't staple or paper clip your check to the payment slip. a Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. a Last but not least, be sure to write your 16-digit account number on your check. High Car Payments? TAKE CONTROL! Our average refinance customer lowers payments by $494 per year. 'ra3?uurlce -See nweree for important d cJm-a regarding diia offer. Visa Platinum NEW BALANCE 56,834.31 Credit Limit: S7,(X)o W Available Credit: 5163 69 MINIMUM PAYMENT' DUE DATE Additional Charges Are Made $tatement"ance Total Cost 5170.00 Jan 02, 2011 Mir'imt^Payrr nt 25Years 116,44= - $24; -? 3 Years $8,882 - -- r•nrasr ear AT t Ease THIS a+a;rlNr You estimated savings if you pay off this balance in 3 years: 57.563 Cash Credit Limit: 57,000.00 It you -Uld like ir/ur non albout credit cm mefing services, call 1-888-326-8055. Available Credit for Cash: S 1 b5 60 LATE PAYMENT WARNING: It we do not receive your minimum payment by yav due die. -_ --------___- - -_- --------- - -------__-_ _J Vat, may have to pay a late tee of up t0 $35.p) and Ma APRs my h^ increasetl up to the Penalty APP, of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S6,907.48 - 5175.00 ! d- --t 10133 ! + I 50.00 = ` 56,834.31 ---_ _T_RANSACTIONS PAYMENTS, CREDITS 8 ADJUSTMENTS FOR USA WARNER #9046 1 301140V CAPI ALONE ONUNE Pl'"ATAuthOate 30-NOV IS 175 00) FEES Total Fees This Period 50.00 oWFeesThis'feal S64.00 INTEREST CHARGED '.NTEREST CHARGE:?URCHASES 5101.33 Total Interest T his Period S101 33 1 utal interest ?IHS Yeal 5',.246.17 + MORE Credit cards are only part of the equation. Learn about all the ways we can serve your needs at Capitalone.com 300010 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual intereA rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Pwchaws 17 90%D 55,921.78 5101.33 Cash I 24 DO'4v U I 50.00 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.C FALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362635459046 05 6834310175000170005 Account Number: 4862-3626-3545-9046 Due Date New Balance Minimum Payment Amount Enclosed Jan 02, 2011 $6,834.31 $170.00 PLEASE PAY AT LEAST THIS AMOUNT LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2003 111.111 Page 1 of 1 1-800-903-3637 WWW.capitalorie.com Nov. 06-Dec05,2010 30 Days in BillingCyde - ---------- - - - ----- - MINIMUM PAYMENT WARNING: It you make ply the minimum payment each. pcticd, ym 'MII pay Me in interest ;v1d it vill rate you 1011gel to pay o0 your balance. For Kainple: XXXX XXXX XXXX 9046 Payment Amount Each Period If No Approdmate Time to Pay Off Estimated Capital One Bank (USA), N A P.O Box 71083 Charlotte, NC 28272-1083 nlllllrlnrrnlll?ll?611ulrrllnlr?ll?lrlllnll??llllllll?lnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. ORGANIZATION MADE EASY. Forget the filing. Manage your account online and simplify your life. Sign up at vvww.capitalone.com 40001 t Auto Finance 'Yearly payrnen: redueaon %lalm is based on average payment reducfon our customers expe'ience amen d year with their'1ew loan (sarne or is longer term) compared tc their prior yezrly luan payments. Yearly payment 'ecuc'tion may result from a haver interest rate, a onger term or both- Your actual savings may be ddfe•en-_ roz Si tiles ran I avoid paying Irrter t Chances? Each ninth you lacy your "New Balance" in full, you will have a rr invaum grace period u` 25 days with no interest charge ors am new 1) rx,¢hases, '_) 6aHnce Transren, 3) special purchases and 4) other charges. It you have been payiry nun a, count in 4u11 with no inr- charges applied and you do not pay sour nest hip I. loll, prrneted interest rharpes wilt be assessed There is no grace period on cash edvaoc r., special -.sfers, or on any rx-sv rranaac: tiun -- there is an unpaid balance from a sxcvor„ Nil Flow Is the Interest Charge applied? Interest rharges accrue from the 1) date at the , 2) daze the transaction is processed or 3) fin; calendar day of the trilling period. ktte,,T charges accrue on re- unpaid ...,,at unid it is paid in till. TMs means you na r charges even if pay the er,tine "Nov Balance" one month. Nn did - do wfottn, pre io- month .;,> id'arteres: charges are added to the proper uynn , of ,-r Accoas, However, we reserve the right to not assess interest charges at any time. lb you assess a Mini- kder'est Chime? yes. A minimum INTEREST Or WtE of $0.50 will be alleSld!on each Failing p`iiod your a' count is sulsject to an interest charge. rxsyv did you Calculate the laterest Charge? There am several cakuktions that are used to detenrrine yaw total interest charge. 1. To get your Daily Balance: For each segmient, 11 take the begiro7ng hslaac and add in ewe ransactions and the periodic interest charge on the previous day's halanre. 2) Sull,-1 any pavmems and crdi;s for that segment as of the! day The revlt is The daily h,la,ce to. each s13man. Hmves•a, if you paid your pevnus month's balaae in toll (a it your hal,- sous zero or a credit am -), new transactions which roust to ur purchase or special purrh?se segrnenr are roz added to the daily balances. also, transactions the; are subject to a grace period are nor added to the daily balances. 2. To find your gage Daily Balance. 1) add the daily balances together and 2) divide the sons by the larob.•r of days in the billing r yrle 3. Eltim 1e your rural Interest charge: 1) multiply, your wage daily balance by the daily yes 1166 ra. and 2) ox,loply the rxsrlt by he comber of days in Tho NMing period NOTF' Due to rounding c minimum imem,r charge, :his raln,la!ion may vary from the interest charge actually a-acdr a How can rosy variable Annual Percentage Rate (APR) change? your APR may increase or decease based on one of sewn =[andard indices mix red I. The to/ai/.Shle.. )amai. To find which index is used for yore ..ecocvrt, look la, a code IF, L. C. S, D or F) as the front of rhis statement next to the APR(s) Then check the ride below. code next to your Anhual Percentage Rue (APR) Index which your rates are based on VA- your Annual Pelcereage Rate will change p OL, do, . Prime - marginpreviously disclosed to you The first day d Fe L Cuartoly LIBOR - margin prwiously discosed to you billi g periods Fat C euadexly CA+ margin previ-sly clit,clowd to you Dud in Jarwany, April, S Bankc.d prklo : margin preciously disdosW to V. July and October. D --- Monthly Friona ? ma gin previously disdasai To You The Bret day d each F LkxrthlT L IBOR a margin prow uwly dt"ZImd to you imily trilling G - su.ry LIBOR a• margin pmv usly disdosacl To You period. Are there Additional Fees associated with any, account? Yes, and r certain ckcumstanres, may be, assessed a Late c•r Returned Payment Fee. You may ahn be charged ovedirlt fees ?I you permitted by la•.v. We reserve the right to -1 -ms fees without prior notke and witlrout warvkrg our right to assess a similar fee Later. How can I Close My ArcmrstYou may close your account by calling or writing our O.womes WWI,_ Dsparment. At Tat time, we %411 provide additicxral derails including peyment irsforrnafnn. If you use rnus -di, raid or charges post to parr account after yam ask us to ,.into it, sve ran keep your account open To avaid raying any applicable mvrshes hip fees, call to dose your account prior ro ;he end of the cycle in which it is scheduled to be biped. what harpers; B any Arroxst I, S-n,nd d? We may close or suspend your acrount and your right to obtain credit at any Time and for any reason, even it you are not in default A. count suss . skn, can be Plana or !ernptrary. It your ace'nunt is closed or -'periled ycu roust 1j stop using your credit Lard and acrount, 2) cancel are automatic paymaWl. 31 deuray all credit cards and access chocks, and 4) pay all amourits you osve,s, even a they were charged after the account was closed or suspended . Mow do I Make Pavriserds? Payments You nsai to us sill be created to your aL,-t as of the business day eve receive it, as long as: 1) you send the bottom panic of this statement and your check n the enclosed remittance errveMpe. and 2) your paynent is received in one of our processing centers by !rpm local time. Please allow at least (7) business days for mail delivery. Maned payments received by us at arty other location ur in any other form clay not he reedited as of the day sou receive them. ou you process Paper Checks as an Llectraric Funds Transfer'? When you provide a check as payment, you authoriee us and our agents either to use information from your checF. to make a is time -11 mail told native, fmm your deposit account or to process the paynrrent as a ,hack transaction. =- use information from your check to make an demonic fund transfer, funds stay hc• withdrawn from your deposit account as won as the same day sse re your payment and You will not receive you check back from yen financial instinhor,. Your authorization is not limited by the date on the check. We may -.bran and airs tronicalk collect the returned payments. What M I file for Bankruptcy? If you are entitled [a banknupcy protetion, :his ,iralion is for infan,a!ian Dray. is is not an aft:-mpt to creed. assess or rr•crwer a debt r claim. Do not send ms paymrents,vithout =speaking with your bankne-1 -,roey a The Bankruptcy Court. 11. you or you at,..," -old like to contact our baalo-ptcy claims soon., directly, please contac is Caprtul One - PO Box 85167 Richmond, `.'A ?3255-5167 TOLLING rBCafTS SUMMARY (ones Not Apply to Small Business -auats) What To Do If You Think You Fired A Mistake On Your Statement. if you think :here h an pro' n your statement, write to us at Capital one P.J. bx)x 302&5 Salt lake City, U 184`.30-0265 In your letter, give n The following m1amsa:pun. Account information: Your name and account number. Will ,,out . The duller anwont of the ws;,,,tTd atror. Description of Problem: h you think there is an error on yaw bill, describe lshar you believe is mug and why you believe it is a mistake. vou must contact us sarthin tint days 0m, the error appears) on your sta!ernvst orify us of wry potential rrnxs in ,vri:inn- Yo, aY call a otNy w elec hnracally. brtu if you do w? are not regtixed to irwestigate any potential ernes and you may haee to pay the amount in question. While we kweuigate whether or nor there has been an error, the following are True' We cannot try to coeeo rho anours: in question, err repl,, you a delinquent on that amount. The charge I. quesri rae, remain on yurr statement, and we may rontkve to charge ycu intener on the; amount. But, if. sve determine that we made a mistake, you will sort have It, ray the amount in question or any interest or other fees related to that amount. Whle you des nut have to pay the acrount in quotian until sve and you a notice about ;he nutconrn of our investigation, you are resp,miblefar the rerreinAer of your halal-e. We can apply any Lanpaid amount against your credit limit. Yrwr Flights If You Are DissatiPled With Your Credit Card Irchases. 8 you are dissatisfied wish the goods or services that I- have psrchasad with your credit card, and you hall Tried in good faith to ccs-_t the problem with the merchant, you may have the right not m Pay :he remaining amount due pas The purchase. To use this right, all of the following must be tme.- The purchase must have been made in your home state a within 100 miles of your cunen: nwiing adders, and the purchase price Tors: haw: been enure than Sstl. (Note, tJeirtier sat these ecessany it your purchase was based on an advertisement we mated to you, or if we esw, the company that sold yes) the goods or services.) 2. You must have used your credit card for the purchase. Purchases We with cash edvarces firm an ATM or with a check that accesses your credit card account do not qualify 3 You rant not VT haw fully paid for the pser has,. if all of The criteria above are met and yes) are still dissatisfied with the purchase. contact us _avsitinn at. Capital One P O. Box 30,285 Sell Lake City, ITT 841.350285 While we irwestigate, the some rules apply to the disputed amount as discussed above. After we finish saw investigation, eve will tell you our decision. Ar that point, if sve think You awe an amamt and you do not pay the may report you as delinquent Capital One supports information privacy protection: w our ebsire at www• eadtalane nom Capital On. is a federally regiuc-red service mark of Capital cv One Financial colporaton. All right, .,.awed :8 2010 Capital Doe TC 08 O5J01y,t0 Changing Address? Address.. ................. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ........................................................................................... Home Phone ......................................... ............................................ Alternate Phone ........................................................................................... E-mail ?? Address ........................................................................................... Pl i t dd h b h b i bl bl k i k 0 ease pr n ress or p one num a er c anges a ove us ng ue or ac n . we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. High Car Payments? TAKE CONTROL' our average refinance customer lowers payments by $500 per year. ,`?8p Auto Finance 'See reverse for important dilcl-res regafding this offer Page 1 of 1 1-800-903-3637 www.capitalone.com Dec 06 - Jan. 05, 2011 31 Days in Billing C yde l ---- ---- - ------------------- -- - ------- - - ------- ----- - MINIMUM PAYMENT WARNING: IF Vol, rroke only the ndnirrri payment each period, you will pay rtrne it interest :a,d it '411 t,*e you longer en pay off you bala¢e. For ererple: Visa Platinum XXXX-XXXX-XXXX•9046 Paymem AmountEach Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Chages Are Made statement Balance Taal Cost ------- -_5Yors - - $6,768.31 5171.00 Feb 02, 2011 MirImumPayrrent SYears g) 6,z 16 $244 3'r eais $5,193 r tEasF car AT ritiT THIS Naaxar Your estimated savings if you pay off this balance in 3 years: 57,4:9 Credit Limit: S 7,C00.00 Cash Credit Limit: S7,OOC.OC It Va would like irAamatior about aMit coi meliny services, call -555-326-5055. Available Cretlil: S23' 69 Available Credit for Cash: S23 .69 LATE PAYMENT WARNING: it we do cot receive yan rorimum payrrnt by your due oate, _ ______- ---_ ya: ewy have to pay a latet-of up NS35.d)ard yan APR; may beiraeased up to the Penahy APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - -------------- --- ------ f 56,83431 - S170.00 + 5104.00 1 + 50.00 = S6,768.31 \i ---- ------- - - - ----------- - - -- - -- -- TRANSACTIONS__ PAYMENTS, CREDITS &ADJUSTMENTS FOR USA WARNER #9046 1 29 UK CAPITAL ONE ONLINE P11`%4,TAuth6ale 29-DEC (5170.00) I i FEES Total Fees This Period 50.00 otel Eee?. This,epat 50.00 INTEREST CHARGED WTEREST CYARGE.PURCHASES S104, 00 Total Interest This Peticd 5104.00 Total Interest his Year 5101, W - ----- - --------- - - ---- ----- --------- Image Card' ... letting YOU show through. Image '?Ce Card Create your own personal masterpiece. lust visit capitalone.com/imagecard, 300012 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 (" Interest Rate Hirhase; 17 90% D 56,840.89 S1(14 00 Cash 24 90% D SO 00 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPI TALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362635459046 05 6768310170000171009 Account Number: 4862-3626-3545-9046 Due Date New Balance Minimum Payment Amount Enclosed ? ------? - - - ? ? --------?1 lam--'-----? Feb 02, 2011 $6,768.31 11 $171.00 I? PLEASE PAY AT LEAST THIS AMOUNT PAPERLESS STATEMENTS Stop waiting for the mailman. View up to 13 months of statements anytime-online. Sign up at www.capitalone.com 40000 LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2001 111.111 Capital One Bank (USA), N-A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111,11irr11111,11-ItIIIIlr1I IIIII^11.1-III'II'r1111III1-1111 Please make checks payable to Capital One Bank (USA), NA and mail with this coupon in the enclosed envelope. c Auto Finance *Yearly payrnen. redocion JclitTl is based on average payment reducTon our customers expe,ience over a year with their •lew loan (same or a longer :errn) cornpdred c 1heir pnor yearly Icmn payments. Yearly payment 'ecur.ticri may result Crum a hover interest rate, a anger term o, both. Your actual savings may be (Jitfe•en-. MCI n, How ran I avoid paying Irdenest Chances? Each month you pay your -New eaian:e^ in fug, you will have a uini num grace period of 25 days -In no interest charge of all new 1) purchases, 2) balance transten, 3) sW-iat pw,NS,_s and 4) ocher charges. 1` you have been paying pnor a: coon: in fall with ,w interest charges arpplied and you do rot pay your next bill in tug, prorated interest cbar,- -ill he assesseA The, o grace period . ash edvan yperial [ran, esters, err on any ex-w rr..nsa:-lion sd?rs? mere is an ix,pritl halal. a from a prev,ou. Nil Flow is the Interest Chame applied'? Interest charges accrue front the i) date of the transaction, 2) date the transaction is processed or 3) fkst calendar day of the fining period. Interest [hay,, atcme on ell n• unpaid anx.un: until it is paid in f,01. This means you rnav awe r cbarges w it you pay the entire "Nees ulance" o month, but did .at do s., for the ?sevin.n month. iJnpsd inure,, [ha,W, are added to the proper segm• your croon.. Hawe a re we the dyht to f a! attest interest charges at ally III— no you assess a Minimam Interest c:harne? Yes. A minirnarn INTEREST CHAW-,F. of SC, So will be --d for each billing W'" your arcon: is -No to an interest charge. How did you [alculafe the 1,1-1 charge? Ibele ere several wlu,k:ions :bar are used m determine your total interest charge. 1. To get you, Daly balance: For each segment, 11 take the beginning balance and add in new namacuuns and the periodic interest charge on :he' previous da•I s balance. 2) Subtract any payments and credits for that segment as of Sher! day the muit is the daily balance for each segmer,T Howvevrr, if you paid Yuur !xevinus merruth's halanc_ in fug (or it your haunt . - .. cc I Credit amount), new s whvh p"! rn your parch- special pxchase cegmcrtt ate not added to thdais balan es Alto, transactions that are subject to a grace period are not added to the daily balances. 2. To rind Average Daily Balance. 11 add the daily balances together and 2) divide he sum by the. ,our nxxtber of days in the fining c,-le 3. Estimate your Total Interest Charge: 1) -Ili pFy your erage daily balance by the daily periorkr rate and 2) m,hipiy the result by -the number of days in the billing period. NoTF: Due to rounding or a minimum interest chargge, this calculation may va,y from the interest charge actually assessed. How can my variable Annual percentage Rate (APW rhange? Your APR may increase or decrease hated o .. n standard indices rn-red in The Laval/ Street )nxrai T? find whichindex nusedforyuu ......,bolef;x acuria (P, 1. C, S,Dor F)os the from of this staremml sex[ :o the APWsi. Then check the :able bebw- Code next to your Annual Percentage Rate (APR) Index whkh your rates are bawd on When your Annual Pecentage Raze will change p Ouartuh Rime + margin pt-ip asly disciosod to you The first day d 1h, L Cusdetly LIBOR - margin prwi..Wy.^.iaclossd to you billing pelio.^'s U.at C uaderly CY1+ magin pruv-iwsly rlisclosud to you and in Ja,wwY, Apil, S Ll nkc.d Nil— margin prepiously disd...d to you July a-a October. D Monthly Prima + margin pmvio:Ny to disdo<ed you, The first day of Bach F +ma,gin p ovi a.ly di"Ia..o b yw k,.a,. LIBOR wt"7 billing ii su: y LW OR + - m Vro usly diedos.ct b yw period. Are there Additional Fees associated with my account? Yes, under certain circumstances. you may be as essed a Late ell Returned Payment Fee. You may also be charged uvedinrit tees it pennined by law. We r e the light to not assess fee- wvimmut prior notice and M%- waiving ..,light W asses a sitnilar fee later. raw ran I Close My AccourR? You may close your account by raging or writing our fAmomer Relations Department. At that time, we will provide additional details including payment infer nalio, If you use r Ceti it r-and .r charges post To your accmxtt after you ask un to cl- it. wve can keep your account open To avoid paying any applicable membership fees, rail to close vow account prior to the end of the cycle in which IT is scheduled to be billed. What happens 11 my Annum k cu-,nded? We may close or suspend your and your right to obtain credit at any time- and for any reason, if you are not In default - A count sunpensio, can be pernauect all temporary . IT your account is ;,Led all suspended you must 1) stop using your credit card and account, 2) cancel all automatic payments, 3) destr:py all credit cards and access checks, and 4) pay all amounts you owe us, even if they well, charged after the account was closed or wspended. Iaw do I Make Pawnerks? Payments you trail to us sill be credited to your account as of :he business day we receive it, as long as t) you send the bottom portion of this stamcnent and your check in the enclosed remittance envelope, and 2) your paypnew is received in one of our processing centers by 5prn local time. Please allow at leas,. (7) business days formail delivery. Mailed payments mreiv A by us a! any other' location err in any other form may not he ;',edited as of the day sve re_e,ve them. Du you Prot- Paper Checks ax an Electrum, Funds Trarmier7 When you sxovide a check as payment, you authorim us and our agents either to use information from your heck ro make a une-arne electronic fund transfer+mm your deposit account all to process the Payrnent as a r n. W h- - use infmmadon from you, ccheck to nake an electronic f• iud rhes:k ta fund,may be wvithrim- from your deposit nt as .an as the same day use ve your payment and you wig not Deceive vuur ::hack back fron your financial i-Tizuti- Your is not limited by the date on the check. We may resubmit and rlecrroni,. all, called the rerrnned payments. What it I Ill. for Banlougtcv? If you are entitled to bankmptry p-,ction, this cation is for irdon only, it not an attempt to collect, apse" or recc ve, a d,•ht nDr lain, Do not send as paymems without speaking with your bankruptcy ---y x the bankruptcy Court. 11 you or your a ley would hke to contact our bankruptcy dai, Ds xn?..D directly, please contact- Capital One Fo box 85167 - Richmond. ';A 2 3285-5167 RpLLING MCxHTS SUMMARY (roes Not Apply to Small Business Acm,-) What T. Ib If You TtWr,k You Find A Mistake On Your Staler-t. It you Mink Ih,- n nn n your s!atermant, write I. as of Capital One P.D. Box 307.85 Salt Lake City, U 1 84:30-0285 In your I-,. give us the followag inf.nnati.n: Account intonnariwl Your name and accoum number. Wikr amount. The dogs, amount of the suspected err nor. Description of Problem' Y you think there is an error on your Nil, describe wMar you taaieve is wrong and why you believe it is a mistake. You contact us within 6G days after the error appcared on your s;aten-t. Yana compost ratify us of a-py p,:en!ial vmrs kp wri;inn. You may [all us ur notify us ele:'nnuic..liy, but it you do we are not required to investigate any potential ecc- and you may have It, pay the amount in question. While we In>esTgate whether or at there has been an error, the tolloeving are true'. W'e cannel try to collect the ana.ni in que,aan, .D report you as delinquent urn'bat amrupn' . The charge in r,w Sri,n may rernan an your xta!.vnent. and we may continue t, charge you interest oat that amount But, if we determine that - made a mistake, you wog not have to pay the amount in question or any interest or other fees -Mated to that amount. ,Nhle you d, not have to pay the amount in question until we send you a notice about the putconae o1 o estigation, you are restomiliefar the rerreinden of vuur bolo:: e. WN can apply any unpaid amount against your credit limit. Your rdghb If You Are Dlss ltistied With Your Credit Card Purchases. If you are dissatisfi d with the goods or services that you have purchased with your credit card, and you have 'tied in good faith to collect the problem with the merchant, you may have the right not to pay the remaining amount one on the purchase . To use this right, all of Me following rust be troy `.. The purchase must have been made in you, home ,are or within 1 Ott miles of your current nailing address, and the purchase price roust have been more than 550. (Note. Neither or these necessary it your purchase wvas based an an ddl. tisem mailed to you, or it we ours, the company that sold you :he goods or sewi- ) 2. You runt have used your credit -d fo, the purchase. Purchases made with ca h advances frmn an At Nt or with a check that accesses yo. ,edit and ac now do not cyoalify. 3. Yo, mast not yet have fully paid for the p-hale. If all of the criteria above are met and you are still dissatisfied wi!h the parch-, contact „s wnitinn at. Capital One P.O. Flax 30285 Salt Lake City, UT 84130-62 85 Vihie % investigate, the same tales 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 :epital One support, information privacy 4..t,li?n. s vebsime at wvwwv eapatalane corn Capital one is a federally registered service nark of Capitoltone Financial Conp--inn. Ali rights reserve-d y': 2010 Capital One 1 -08 0)-'01/10 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ................. Q Alternate Phone ......................... .................................... ............ E-mail L? ... Address ....................... .................................... ............................ Pl i dd h b h b i k i bl bl k ease pr nt a ress or p one num er c anges a ove us ng ue or ac n . Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. 500596 High Car Payments? TAKE CONTROL! Our average refinance customer lowers payments by $500 per year. `rap'blarue 'See mverve for important diaclo.- megerding this offer Visa Platinum NEW BALANCE $6,698.94 Credit Limit: 57,000.00 Available Credit: S30' 06 Previous Balance 56,768.31 - Page 1 of 1 1-WO-903-3637 -- - - - - - it: WWW.capitalone.com Jan. 06-Feb. 05, 2011 31 Days in Billing C ie - - ----------- MINIMUM PAYMENT WARNING: It you rake wit the minimum payment eat, pcsiod, y% MI fwy more in irrtereu aid it ui{I t:#e y:r: lunge: to pay ;1Ff your balance. For XXXX-XXXX-XXXX-9046 Paymenl Amount Each Period if No Approximate Time to pay Off Estimated MINIMUM PAYMENT DUE DATE Additional Charges Are Made 5tatement Balance Taal Cost $168.00 Mar 02, 2011. Minimum Pay "'t -- $247 3'rrar, 38, lnfi __ PLEASr PAY AT (EAST This -00Nr Your estim ti d savings it you pay off this balance in 3 years: (ash Credit Limit: S7,000.0(: It You w,oId like ir40rmAlOn about oedit caaselieg services, call l-856-326-155. Available Credit for Cash: 5301 .C6 LATE PAYMENT WARNING: if we do net receive your r inimunpayment y your due _ _ _ ------ __-__ _-_--------__- _---------_-? you rtlay have to pay a laetPP of up to 135.001 and you: APR; may be inaeasetl up to the Penalty APP. of 29.40%. Payments and Credits Fees and Interest Charged S 171.00 + S101.63 -} ----- Transactions New Balance SO DO 56,698.94 TRANSACTIONS _ - ------ PAYMENTS, CREDITS & ADJUSTMENTS FOR USA WARNER #9045 1 13 AN C4PI?AL ONE ONLINE Pl?.!TkuthDate 13-iA.14 (S171.001 FEES Total Fees Thin Period SO.00 T oral FPes This Year S0.00 INTEREST CHARGED INTEREST &ARCE:P'JRCHASES 5101-63 Total Interest This Period 5101.63 Total Interest nlis Year 5205.63 InterestPlus Online Savings on interest earned Learn more and open online at capitalonedirect.com/interestplus 3ooo25 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 PurrhaSP5 17.90%D 56,68521 S101.63 Cash 1 24.90% D I 50.00 S0.0O PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPI TALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362635459046 05 6698940171000168002 Account Number: 4862-3626-3545-9046 Due Daft New Balance Minimum Payment Amount Enclosed I Mar 02, 2011 J ? $6,698.94 t $168.00 l PLEASE PAYAT LEAST THIS AMOUNT LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2001 1111.11 GREEN FACT! 1 tree can be saved for every 13 people that go paperless. Sign up at www.capitalone.com 400005) e Great savings rate • Quarterly Bonus o • No fees Capital One Bank (USA), N-A. P.O. Box 71083 Charlotte, NC 28272-1083 nlllllrlll1.11111rlrhllnlrmllnhr?ll?lrll11111.11111111r1n1 Please make checks payable to Capital One Bank (USA), N.A. and mail with this Coupon in the enclosed envelope. CoiFf _ ce *Yearly payrnen: reducion claim Is based on average payment reductbn our customers expe•ience over a yeerwith their 'hew IOdn (carne or a longer term) compared tc their prior yezrly lo+;n payr'ents. Yearly payment 'ecuCtic ri may 'esuit from a lower interest rate. a Onger term or both. Your actual savings may be ditte•en-, nuz Ns lbw can I avoid paying Inderest Charges? Each month ymu pay your "New Balan• full, you wrill have a rninin om grace period of 25 days with no interest charge cars as new 11 r. purchases, 2) balance gamten, 3) special purchases and 4) other charges. 1f you have beery paying your accoun: in full with no interest charges appliei and you do not racy your next bill in toll, punted mmm,t charges will be asstssed Them is no grace period an cash advances. y>r<ial transfers, g on any nc-sw trans,. Tian wheu there is an unpaid balance from, previous bill How is the Interest Chame applied? Interest charges accrue turn the 1) date of the transaction, 2) date the transaction is processed or 3) tint, calendar ray of the haling period. Intel est that gas accrue on evn• unpaid ,noun: unit f is )said in fulp TTgs means you rnav owe esr ,harges if you pay the entire "New Balance" one month, but did not do v far the presiaus n.uh. Unpaid inmm,t charges arc' added to the lar)p v segment of your Account. Fawes ms •e the right to rot ,suns interest charges at any time. Do you assess a Mlydra??as Interest Charge? Yes. A mirlmpn INTEREST CHAItSE of SO 50 will to assessed fu each tossing period Your account is subject 1n an in%,msf charge. Hovv, del you Calculate the Interest Charge? There are se,reral calculations that are used to determine you total interest charge. 1. To get you Daily Balance: Fu each segment, 1 t take the beginning hakance and add in new . ansacrions and the isetiodk interest charge on The presious day's balar 2) Subtract any payments and creditsfa, that -9meau as f That day. The -At is the daily balance for each s gmer+t However, if you paid you pre-uinus murrh's bill- in full (err it yon, halarre seas zero w a credit ammrm;). new transactions which past to ,our purchase or slerl,l put chase segments ,te nor added to thc- daily balances. Abu. transactions [ha: are su trjecl a a grace period are nor added to the daily balances. 2. To find -rage Daily Balance: 1) Ad the daily balances together and 2) divide the ohm by the four number N days in the billing cycle. 3. Estim to your Total Interest Charge. 1) multiply you erage daily balance by the daily periodic rate and 2) multiply the ,suit by he number o' days n the billing period. NOTE: Due to raunefing a minimum interest charge, this calculation may vary from the interest charge atzily assessed a How can my variable Arrnuat Ptrcentacw Rate (AWO chavi your APR may increase at decrease based on one of seven standard indices reported in The Nyafi Syreey turrmal. To find .which index is used for sox accaum. look fn a and. (P, I. C. S. D or l) on flan front of This statement next to the APRts). Then check the :able below.. [brie next to your Annual percentage Rate (APR) Index which your rates are based on When your Annual Percentage Rate will change P O.interly Prime , mwgin pwiou ,ly disclos-nd to you The first day c{ ere L O-detly LIBOR - mar^„in p,-i-,Iy dsclsed to you billing periods tart C -simly CD a ".gin pi-iously diselosod to you and in JaawmvY, April, 5 &mkctud Prime + mwgin peviously disllosW To you July and October. D Monthly prime . margin priwitrrsly disdoead is yx+ The fist oak of waach F Monthly LIBOR * margin prossgusly disclosed to your monthly billing G - sury LIBOR f margin prrriausly disclosed to you poriud. roe there Addtlorui Fees associated with cry account? Ye=., under certain ckcunstances, may be assessed a Late or Returned Payment Eve- You may a6o be charged overkmit fees 0 permitted by last. YYe reserve :he signs to not assns fees without prior notice and without waiving our right to assess a simlar fee later. Have, ran I Close, My Assures!? Your may close your account by calling or writing our Customer Relations Department. At that time, we will provide additional detain including payment in'. annatio ). If you u + credit card ar charge,., post to your accoun after you ask us to ..lose it, see can keep your gaunt open To aYaid paying any applicahle nuambet hip fee% all to close you account prior to the end of the cycle us which it is scheduled to be baled. What Insists- If rty Acrn+.M is Suaseruleds We may lose or suspend your amours: and your right to obtain credit at any time and fn any reason, even if you are not in default. A-, aunt suspension can be permanent err mmis nary If your account is closed or suspended t 1) stop using your credit card and account, 2) cancel all automatic payments, 3) destroy `At credit cards and access checks, and 4) pay as ,mourns you own us, even r they were charged afar, the account was closed or suspended. lbw do I Make Pawaserds? Payments you assail !o ua .sill he credited to your account as of The busircess day we receive it, as Ivhg as :) you seM the ho!!om fortivn of this stx:emen! and you check in the enclosed remittance ensclose, and 2) your payment is received in one o' au processing centers by 5prn local time. Please allow at least p) business days for mail delivery. Mailed payments received by ass at arty o:he location gr in any other form roar not he c,,di,,d es of the day we receive them. Du You Process Paper Checks as an Electronic Fords Trarmlert W'heir you provide a check as payment, you autharize us and our agents either to use information from your check To make a arm-ocre elecumnic hand transfer from your deposit account as, to process the payment as a check tr'- section. When v, use information, from your check to make an elec-uk fund transfer, funds tire- be willial n from your deposit account as soon as the satire day see mtew Your payment and you will nor eceve you ::heck back from your ti-iA institution. Your awlsoreation is not fir-sited by the date on the check. We may resubmit and elect. ani,a lly collect :he re[.rned paymets. What R I file for Bankruptcy? If you are entitled to bankmpicy protection, this catissn is tar information only, it is not an an-pt to wNect, assess or receve a debt r dui n •Do not send us payments without speaking with your bankruptcy rtiwrney o the Bankruptcy Court. it you or your anon nay -old like to --t uur banknrptcy claims -,ieer directly, please contac'T' Oarrual Om PO &)a 85117 Richmond. `:A 2 32 8551 67 EaLI.ING RIGHTS SUMMARY (Does Not Apply !o Small Bolin- Accounts) What To lb It You Think You Hurt! A Mistake On Your Mate-- If you think :h,- is an n your statement, write to ,n at Capital One P.O. Box 30285 Sal. Lake City, UT 8413(70285 In your fewer, give us the follcmi g info. n.-ion: Account Mtormaton: Yo name and -Ctasa ht rwmbY, ' Dialler amount: The dgaar amount of The WSpKtCd el raft Description of Problem' Y you think there is an arm on your bill, describe swhar you beNeve is wrong and why you believe it is a mistake. you most contact us within Ma d"s after the arty appeared an your sta!...ent. You most notify us of any potential owns in swritirg. You may all us ur notify us electronically. but l you do aver are not required to investigate any potential erns and you may have to pay the amount in question While we ivestigate whether or nor there has been an error. The following are lee: ' We ce at try to collect :he amount in question, err report you as ddinci on that arnan,. ' The charge in question may remain on your statement, and we may camerae to charge you interest on chat amount. But, it see determine that - made a untake, you wig or have to pay the an)ount in question n any interest or other fees related to that amaunt_ While you do not have to pay the amount in question until we send you a notice about she outcome o1 our hrn•euigation, you lonsihle far the musainder at you balance. . live can apply any unpaid mount agai esnst your credit limit. Your Rights If You Are Di-ti fled With Your Curti Card purchases. If you are dissatisfied writh 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 :he right no! to pay :he rmkmg amount dire an the purchase. To use ills right, all of the following must be true 1. The purchase . ust have been made in your home ,are or within 1011 miles of your current, mailing address and the purchase pk:e anus! have been more than $50. (Note: Neither at mere are sary if your purchase seas based an an adverffsenen! we mailed to you, ur if see assn the company that sold you :he goods or service.12 . You must have used your credit card for the purchase. Purchases made with rash advances from an AT h1 at with a check that accesses your credit card account do nn: qualify. i. You most rot yet have' fully paid far the purchase. If all of the cri-ie above are tor, and you are still dissatisfied with the purchase, contact us in ,writ nil at: Capital One P.O Box 30285 Sah Lake City, Or 84930-U285 While we investigate, the same rules apply to she disputed amount as discussed above. After we finish au investigation, sv. swil tea you ou decision. At that point, if we think you owe e iscunt and you do no: pay we may report you as delinquent, Capital One supports ird-mati:r. pivary pm[ecibn cwebsita at ware, ralatakne cam Capital One is a federally reghtend service ns+rk of Capital one financial Corporation. All rights reserve-d F) 2010 Carsiral One T C- 08 9-volil0 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ........................................................................................... ?. Alternate Phone ........................................................................................... E-mail GO Address-_ ..........- - .-..................... ......................... bl k i k Pl i dd h b h b i bl ng . ease pr nt a ress or p one num er c anges a ove us ue or ac n Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. 5000W C?@?A?fajixe- ..oats r^yurrc -WM? It could happen to anyone. Make sure you pay the amount LISA WARNER due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS I do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) (1) 20(19 (.alfital Om'. Cal iutl 0- i? a firkrally rrXiim-d i,c mark. All nrhtr -,I. Page 1 of 2 1-300-903-3637 -- _ - www.Capitalone.eom j Feb. 06 - Mm.05, 2011 28 Days in Killing Cycle - ------------ MINIMUM PAYMENT WARNING: 9 you rake orlytho rinim ri payment ea &. period, you will pay.mare it interest and it will t:te you lance, to pay off your hali iw example. vsa Platinum XXXX-)D=-XXXX-9()46 Payment Amount Each Period If No Appmudr a Time to Pay Off Estimated NEW BALANCE ,......,'i k3M S;AYN•`• \E- „uE3 k"A"," Additional charges Are Made Statement Balance Taal cost $6,826.60 A r..... 2€:,.. Minimum Payment 25 Years If you -uld like Wimmation at-A aedil canseiing services, 411 .595-326-&b5. • LATE PAYMENT WARNING: If we do rw re.rrie your ririmim payment by your due dote, 0001)0 Credit Ii S7 Cash Credit Limit: S7,000.00. you may have to pay a laetee of up to $35.00 and your APRs may he iraeasvd up to the , Penalty APR of 29.40%. Available Credit: S! 73.40 Available Credit for Cash: S 173.30 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance j - = 56826.60 56,698.94 - --SU.DD-------- t 5127.66 ,----- /------------, L + 50.00 ----------------- ------------- ------ Renewal Notice - See Wh sides o: the first page of this statement for important intormtion about rate; and interest charge calculation. 1 (TRANSACTIONS j PAYMENTS, CREDIT'S & ADJUSTMENTS FOR LISA WARNER #9046 I i I FEES 1 02 I:':AR PAST DCF -r t S35.00 Total 'Tees Thus Period 535.00 Total Fees This Year 535.00 i i INTEREST CHARGED i INTEREST •-HIAPGE?t1RCHASES 592.66 I Total Interest this Period 592.66 Total :Merest This Year 5298.29 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 -- 11.90%D 56,748.48 592.66 Cash 249 0% D Sc.00 I s0 oo PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE. YOUR PAYMENT ONLINE. 1 4862362635459046 05 6826600171000363000 Account Number: 4862-3626-3545-9046 Due Date New Balance r'pnu: ' Amount Endosed Apr 02 2011 ( $6,826.60 LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2001 111.111 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 Capital One Bank (USA), N-A- P.O. Box 71083 Charlotte, NC 28272-1083 lllllllrlllr.Illllrll?lllllll?rllllll??llrlrlllrll??llllllllrllll Please make checks payable to Capital One Bank (USA), N.A and mail with this coupon in the enclosed envelope. Few can I avoid paying buterest Charges Each month you pay your "Newer Balance" it full, you -M have a ruinimum grace period 25 drys with nu interest charge on all1 -sv 1) purchases, 2) balance r.anshvs, 3) special purchases and 4) other charges. If you have teen paying your a; count in full wish no interest, charges applied and you do not pay yournext bill null, prorated interest charges all bx assessed Them no grace period o ash advan ,perial 11-f- nr on any new lion will. There is a. ..,paid balame from a wrr,.s bill. Flow is the interest Charge applied? Interest charges arcme fmrn the I) date of the irarmartion, _s) date the transaction is processed or ±) first calendar day of me hitting period Interest ehaege-s accrue on even• unpaid amount until it is I.id in full. T his means you may we rest charges even if you Pay the entire- "Nov Balanre'• c.ne month, but did nn! do so tw the previous month. Ur,{aid n[raes; cha,yes arc- added :o the Pn'•sRr scymns; of your Accoun!. H.sveaer, we reserve rise right ro mgt assess in[nes; rharge5 a[ any time. Do you assess a Mini ass Interest Charnel yes. A minim m INTEREST Or:sls,3E of 50.50 will be ass. _s.d for iris hfekg penned your coon, w sobiect i. xn interest charge. How did you C-I,u to the Interest Ch-? There are -111 calculations that are used to determine your total interest charge. 1. To yet yew Daily balance: For each seyrment, 1 I take the beginning balance and add in new temaclions and the periodic interest charge on :he previous dati s ha lance. 2) Sulvra,t all' payments and crrdits for that segment as or till., day The resit is the daily balance fn, each s Ju,errt Hmver•er, it you paid yusa Previous -u m's balance in full (or if your balance was rem u a credit amussin, new transactions which post to your purcha>e or spe-cizl p.,,he- sleTicuts are nut added 1. the dart, b,.Wnces. Ala, ass that are subject t. a grace period are not added t. the daily ballances 2. To Lind your A -ge Daily Balance: 11 add the daily ba)an,,, together and 2) divide the sum by the number of days in the Pulling <,de... Estimate your Total Interest Charge: I. ) muhiply your !.rage daily balance by the daffy periodic rate and 1) multiply the rexrtt by the number of days n the billing period. NOTE: Due to rouchng o mmir m interest charge, this cafrulation may vary from the interest charge actually assessed` a Flow can my ridable Annual Percentage Este (AP1ij change? Your APR may increase or decease haled cur one of n standard indices reported in The Wafl .Yee; lotmaf To find which index is used for your accoum, boll for a L.I. IF, r, C, S, D or F) on the front of this statement next to the APR(s)- Then check the .able below. Cede rrxt to your Annual percentage Rate (APR) Index which your rates am based art When your Annual Pomentage, Rate will h-9. _ P Ouadaly Prim, ma gin pwiously discbwd to you The first day d The L Ouadaly LIBOR margin previously dfacksed to you billing periods *.at C uartmrly CD+ margin pea-i.rslr disclosed to you ad in January, April, 5 Earnk-d P,e»e + margin pmAti.sly disclosed b you July and Oc Wiser. D Monthly Film -iii. pnawinualy dirdosud To ynu The Post day of each F Madsly LIBOR + maugk. pees. ugly discirxaed W you monthly hieing O - sury LIBOR + margin pro-, ugly dfadoseu W you period. Are there Additional Fees associated whh my arc oust? Yes, under certain d,rumsrance, you may be assessed a Late or Returned Payment Fee. You may ahg be charged overliorit lees if permitted by la•.v. We reserve the right to not assess feet wirh.ut prior..tire and without svanng our sight to assess a similar tee Wter. How ran 1 Close raft Account? You may claw your account by calling or miring our Customer Iteletkms Drparmmt. At that time, we will provide additional details including payment inton-tinn. If ynu use r sr cr.dir raid s charges post to yew accmrrt after you ask os t. close it, eve ran keep your account open To avoid paying any applicable mendsership tee; call to close y.wr account prior to me end of :he cycle in which it is scheduled to be!,feed. What happens H my Account Is Gsa+errled? We may close or suspend your a: count and your sight to obtain credit at any tkne all for any reason, even 0 you are not in default. Arrow: suspensrrn, can be perms vent or rernporaty. n your account is closed or Suspended you must 1) stop using your credit caud and account, 2) cancel are automatic payments. 3) destroy all credit cards aid access rhnks, and 4) pay are amounts you, ism us, even if they were . charged after the account was closed or suspended Few do I Make Pavmeri Paytnents you nail to us wall be credited to your account as of the business day sve receive it, as long as- ') you send the bottom purin of this sta nrve r an] your check in the encbsed remittance en,,~e, and 2) your payment is received in one of our processing centers by SPro local time. Please allow at least (7) business days for mail delivery. Mailed payments received by us a. arty o:he location or in any other term rmay ro, be crediled as rout the day we receive them. Do you Proem Paper Checks as an Llectrwsic Funds Trarrsferl Whet you provide a check as payment, you authodre us and our agents either to use information from your checF.:o make a one time elechorwc tend transfer from your deposit account or to process the payment as a check, ni n. When eve use info.. mation from your check to make an elertmnic fund tranrer,f..& ray b-ilhal-, from your deposit as the same day !we a-u-t as . a your F tr ent and you .sill no; receive your ::heck back h xm your fi_,vJ',l inst):urion authorization is not limited by the date on the check. We may resubmit and eteco-scalis• collect -he ,,..ad wrnenn. What B I file for Banpmuotcr? If you are emifled to bankruptcy, protection, this ceders is for k0o,matiun only, it is not an attempt to Loiters, assess or recev., a dr-ht or claim. Do not -it ,, payrments without speaking with your bankruptcy artune, or the Bankruptcy Court . If. you car r you attorney would like eo contact our Wrnkrupty claims setti.er dkectly, please concar ou apitA One PO Rex 3D285 Sat', Ldke City. UT 8413602.RS BILLING MGHTS SiMAMARY (Pom Not Apply to Small Business Accounts) What To Do It You Think You Find A Mistake On Your Staty sent. If you think they. i, au car on your st=_tamem, write t. us at Capitol One P.`J. Box 3028'; Sah take City, U T 84'. i0-D285 In your lerem, give us the folbwvkg inrornat . Account intornatior. Your name and asourt -.be, Wlkm amount. She dollar ansoum of the suspectc-d err.. Deta rimers of Problem- h . you think there is an enor on your hill, describe ,has you believe is .erro rs. and why you believe it is a mistake. ?ccu -1, contact us sAthm lift days after the ermn aplte'ared on your swe-ent. mt'rfY us of any pu:enlial errs in svritbnn. You naY call us ur noYrfy us elecromically. but a you do sve are not required to imestigate any potential error and ycnJ may have to pay the amount in question. While we investigate whether or not there has been an errtr, the following are true: Wa --1 try to collect :he --ut in ques mron: your as delinquent on that arneunt The r. huge in cve,oricin may recrain an yr.resUm _ me.1, and were may -micue to charge you interest on that amount. But, if we determine that we !made a mistake, you call not have to pay the amount in question any interest or ether fees related to that amount. While you do no, have to pay the amount in question until we send you a notke about the owe.- of our irwes6gatiort, you are resp,mnible- fu the remainder of your balance. . We can apply any unpaid amount against your credit limit - Your Right. If You Are Dissatlsfled With Your r_rodh Card Purchases. If you are dissatisfi,c) with the goods or services that you have purchased with yws credit card, and you have Tried in good faith to erect the problem with the merchant, you may have the light not to scar in, remaining amount du, on the purchase. To use this right, all of Me following must be rue t. The writs- must have been made n your home state or within lot) miles of your c us z .,ailing addres , and the purchase price st have been more than $50. (Note. Neirherrot these -re necessary it your purchase was based.. an .,We lhemen! we,maffed to you, or if we own the company that sold yrau the goods or sewkes.l2. You must have -it your credit card :., the purchase. Purchases made with cash advances from an AIM or with a check that acresses 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 dissatissied with the purchase, contact is a. writing at Capital One P.O. B.. 30285 Sah Lak. Ciry, IJT 841 3 0-02 85 While vve investigate, the same rules apply to the disputed amount as discussed abuve. After we finish our investigation, we wal tee you our decision. At that point, d sve think you owe, an a . and yaI do not pay Love may report you as daknquent. Capital One supports irdormation pn•ary protection vebsire at we- capitakne con, Capital One a federally registered service mark .f Capital'One Financial C.P•ra ion. All sight, neservc-d x, 2010 Capital One T, -DR D=Y',l' l1 D Changing Address? Address- .............. Not quite ready to make payments online? No problem. Follow these simple steps to make sure ............................................................... Home Phone ........................................................................................... Q Alternate Phone ........................................................................................... E-mail L? Address ........................................................................................... Pl i bl k i k i t dd h b h b bl er c ove us ng ue or . ease pr n a ress or p one num anges a ac n we process your payments smoothly: a Don't staple or paper dip your check to the payment slip. a Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. a Please don't include any additional correspondence. e Last but not least, be sure to write your 16-digit account number on your check. Take Control with Online Statements Managing your account online is easy: Check your balance and view recent activity View and print copies of past statements Pay your bill online Sign up at: www.capitalone.com -- -- - Page 2 of 2 1-900-903-3637 www.capitalone.com Feb. D6 -Mar. OS, 2011 28 trays in 8111nty Cycle j - _ ! II Limit: 57.000.0C Visa Platinum XXXX-XXXX-XXXX-9046 - Available Credit: S1;.4o ! NEW BALANCE ! ........ . . .............. Cash credit Limit 57,000 OG $6,826.60 :......: ±w; . . ..? Available Credit for (ash: 1? 40 Previous Balance Payments and Credits Fees and Interest Charged ---- -- --- - Transactions -- - New Balance - -- -- ------- 56.698.94 ! - -- -- 50.00 ! } f S127.66 + - -- SOAO-------- J ---- _ 5(1,826,60 -------------------- - TRANSACTIONS CONTINUED You te'ete assessed a past due fee hKause Your mininnnn payment was not received by OF due date 7o avoid this tee in the !aline, we tecommand that you alluw at L=ast 7 business days !ut ynrx minimun w,men[ h) reach :api!61 One 1 r yin your walled] Visa Platinum NEW BALANCE $6,966.22 Credit Limit: S/.000.00 Available credit: SB3 ?3 Cash Credit Limit: 57,000.00 Available Credit for Cash: S3333 ff Previous Balance Payments and Credits r - --' - S0.00 -----S6,826.60__ - - Mar. 06 - Apr. 05, 2011 31 Days in Billing (yde 1 - ---- - -------- ------ - -------- - ---------- MINIMUM PAYMENT WARNING: it you rrateonlythe rrunirnm payment each perioc, you I will pdy more in IMMU a1d it vill t:4t you Imtgel to pay off your balarice. For example: Paymem Amount Each Period If No App r.. amate Time to Pay off Estimated Additional Charges Are Made statement Balance Total Cost Min m, Payneet S'fears }?C,1 ? If you -,dd Gke i0orrrdtion Ahraa ?edit coc,iseling services, call t-6&5-326-FO55. LATE PAYMENT WARNING: If sve co not rersi-ypa rriai-m pdyr,rnt by ytvir,w,e dAte, y,,., may have to pay a late f.?e r-t w to s 35.00 and y wr APRs may he maeas, 6 up to the Penalty APR of 29.40%. _ Fees and Interest Charged } 5139.62 + ?.---- I LTRANSACTIONS _ j PAYMENTS, CREDITS & ADJUSTMENTS FOR LISA WARNER #9006 I j FEES 1 02 APR ?AS1 DUE F535.00 Total Fees Ttris Period 535.00 Total Fees This Year 570.00 I IN JEREST CHARGED i !NTEREST(}iARGE?URCHASFS S144.62 Total Interest This Period 5104.62 Total mterest'bis Year 5402.91 You •r.Tre assessed a past due fee because your minimum payment ?•as not received by j the due date. To amid this fee in the fulure, we recommend that you allot: at least 7 business days tot your minimum payment to reach Capital One i i 500009 LET'S TALK - WERE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital OW- 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 G epital One. Capital One is a federally registered semiee nark. All rightf reserved Page 1 of 1 1-800-903-3637 www.capitalone.com XXXX-XXXX-XXXX-9046 Transactions New Balance ?_ _sooo _! = 56,96622 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 %rchases 1790%D S6,83'.59 104.62 Cash I 24.90%D f 50.00 I S0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPI TALONF.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362635459046 05 6966220171000572004 C -;X Account Number: 4862-3626-3545-9046 Due Gate New Balance T,+ia•is::?. i' _y;;:;:•,; Amount Enclosed May 02, 2011 $6,966.22 ;` - LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2001 1111111 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 Capital One Bank (USA), N-A P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIII-IIIrr111111II-IIIIIIIrrIIIIII'rllrlrlllrlI--IIIIII11,1111 Please make dfecks, payable to Capita10 ne Bank (USA), N.A. and mail with this coupon in the enclosed envelope. LISA WARNER Flow ran I avoid paying luderest Charge, Earh month you pay your -'N'ew Balance" n full, you will have a nnimum grace period of 25 days with .w inters; charge on at new 1) purchases, '_1 tillage o.issteos, 3) special purchases and 4) other charges. it you have been paying your account in full with no interest charges applied and you do not pay your next bill in full, proreted interest rharges still be assessed There is no grace period on rash advanc rs. special o-T. y ar on any tour. transaction .vftn. there is an oupaid balance from a p'evi- till How is the Irderesl Chime applied? Interest charges .-a front the 1) date of the nznsareion, 2) daze the transaction h processed or 3) tint calendar day of The hilling perioi. hfe-T chage, accrue on evnv unpaid an...: until it is paid in full. This me.., you e r clxs q at onset it you pay the entire "New "sure" one month, but didrot do so fa. the prev a nth..,,,pan interest charges are added to the pmlxes scgm , of your Ace own. However'we m-e The right to cwt assess interest rharges at any times Do you assess a Minimum Interest Chance? Yes. A minimum INTEREST CHAWF of $050 ,sill he ass. s5 d for ach tailing pound your a-rou .. subject to an into rest charge. Maw did you Calculate the bode- t (batue? There are several cakuletions that are used to deiesrMne your total interest charge. 1. To get yow Daily Lialance. F each wgmen!, 11 take the beginning balance and and in new :-,actions and the periodic interest,, barge on the p,6- day's falance.'z) Subtract any payments and creditstor that segment as of That day. The ,,,,Az is the daily hula: a for each segment However, if you paid yow previous month's bale fun ter u your balance svgs zero or a credit amount!, Me, transactions wtnieh p.st to your purchas or unreel purchase segnsntts are cwt added to mc- dally balances. Al"" transactions that are subject to a grace period are not added to the daily balances. 2. To tind our Av aril ge Daily Balance: ti add the daily balances to gather and 2) divide -,he sum by the cumber of days in the hitksg cycle 3. Estimate ynrn' Total interest Charge: 1) multiply your usage daily balanm by the daily pe,iotic rate and 2y-hply the result by the number o' days in the biting period. NOTE: Due to r od.g or a -.in . interest charge, this calculation may vary lmrn the interest charge actually assessed. Flaw can my variable Aransas Pemesnt.a. Rate (PFrt) charge? Your APR may increase pr decrease based on one of sewn standard ineices reported in The Ia/alt S.Yeet:otmral To find which index is used for your account, look for a code (P, 1, C, S. U or F) on the front of this statement nexl to the APR(s). Then check the table below. Code Land to your Annual Perserdage Rate (APR) Index which your rates aril based on Whaon your Annual Percentage Rage will change P O-d ly Prime + magic 1-imaly disclosed to you The find day d the L 0 rtaly LIE:JR + margin peviously discerned to you billing pm)ods B.at C .uadnly rn+ margin puiously ciaclosad to you end in J,wry, April, S ekwnkcrd Prime + margin previously disclosed to you Joy ar.d Octubar. D Monthly Fdme + -gin pmviouNy disdosad In you The first day of each F Monthly LIBOR + margin previously disrloaac to You untiy biting G - -y LIBOR + margin. pnwiously discloser b you period. Are there Additional Fees aw. mil ted swifh my account? Yes, under certain rkcumsancm. you may be assessed a Late er Returned Payment Foe. You may also be charged ovedirtit fees it permitted by last. We reserve the right to not assns fees without prior novice and without avawng our right to assess a similar fee later. How an 1 Close My Attowct? You may close your account by calling or writing our Customer Relarions C,Marrrent. At that time, eve will provide additional &'.all, including payment inforrratnr If you use tow credit card or charges post to yaw account after yeas ask us to ease it, sue can keep your account open.To avoid Paying any appntaHe membershp tees, call to dose your account prior !o the end of the cycle in which r is scheduled to be billed. Mat h.ppens if my Atrgurn Is s..e..r.ded? we may close or suspend your account and your Light to obtain credit at any time and for any reason, even if you are not in default. Acw suspens s can be Petnw or temporary. If yes .cunt h closed or suspended you oust 1) stop u ing your credit card and account, 2) cancelall automatic payments, 31 destroy all credit cards and access checks, and 4) pay all amwds yore osve us, even h they were charged alter the account was dosed or suspended . Flaw do I Make Pawsards? Paymen[s you "rail to us win be credited to your account as W the business dry ova receive it, as long as: 1) you send the bottom palm,, of this slamusen! and Your check n the enclosed mroittance emebpe, and 2) ;roar peyrtem is received in one of our processing centers by 5pro local time. Please allow at east (7) business days for mail delivery. Matled pay,e eived try as a. any tithe. location or n any other form may not he cmdiled as of the daywe eserve them. Do you Piucess Paper Chvcks as an Flectrunic Funds Transfer/ When you provide a ch,,k as payment, You authorize us and our agents either to use information from your check, to oake a time elecnossic fund transfer from your deposit account or to process the payrnent n a one thistle. transaction. when use use information from your check to make an elertrunir hu.d nanr.'er, funds may be withdrnsn from your deposit account as sown as the wine day ev.• : a your payment and You will not receive your check back from your financial iu%oturion. 'our authorization is nut limited fry the date on the check. We may resubmit and elet L-nualls• collect the ret- ned payments. What H 1 file for Bankruptev? It you are entitled m bankn.prcy protection this i wafion is for infom . - only, it is not an attempt to culled, assess w , a Ich; rcks.. Do not send us payme . without speaking with your baoloup:cy a;:or.ey or the Bankruptcy Court. t you or your attorney would like to contact uw bankruptcy claim, s..•rvi:. ev directly, please cotta:: t: Capital One PO box ±0265 Sah. Lake City. LIT 8413!, 1265 HILL ING MCsHTS SUMMARY (Goes No! Alpply !o Small Business Accounts) What Tu Do It You Thlrrk You Fined A [vastaltr On Yuur Stilt.. rd. If you think these oar o your slate-,. write to us at Capital One P O. Box Stu 65 Salt Lake City, UT 84',30-0285 In your lens, give nn the folloswi g infrnrmatiun: Account information. You. name and account our..ber. tiller asmount The dollar anwunt of the suspected of mr. Description of Problem- t you think there is an -, on row bill, desscribe,sat you beli.=ve is wrong and lvhy you beiwe it is a mistake 'ontact us ndthin «. do,, after [he error appeared on year s:a!emmt. ,nu nnnt rntdy u. of any potential n ssai:in s You .:say rail us"-nofy us'I` tror.ir ally. but a you do we are not required to imvestigate any potential ermn and you may have to pa y the a unt in q-Ti n. While we krvntgate whether or not there has been an error, me t.11-ing are true: We carnet try to collect the i n o-t in quea report you as delinquent not that --.1 The charge n question spay remain on yeurs ae-Ist, and ova may continue tm charge you intetest on that amount. But, it sve determine that we made a mistake, you suit no! have ;o pay the amount in question or arty n erest 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 nutcorre of ono in-,z;g sti.n, you are respo,ibefor the nvoo;nder o1 sow balanc e. We can apply any unpaid amount against your credit limit. Your Rights t You Are Dissads I d With Your C,.dh Card furchases. t you are dissatis!ic'd with the goods or services that you have purchswd with your credit card, and you have tried in good fakh to correct the problem with Me merchant, you may have the right no! to Pay :he remaining amount due on the purchase To use this right, all of :he following mot be true The purchese . us: have been made in your home sale or within I o miles of your c mailing address, and the purchase Wire roust have been more than 55:1. (Note. Neirherorp these r m necessary if your pu.'chase seas based on a. atlvatnamerst we mailed to you, or if we osvn the company that sold you the goods or services.) 2. You mitt have used your credit card for the purchase. Purchases made with cash advapes fra:. an AT'M or wish a check that accesses your credit card accmrsnt do not gooifY 3 You room cwt yet have fully paid for the p-ha se. If ail of the criteria above are met and you are still dissatisfied with the purchase. contact us writing at: Caphal One PO P.. 3D285 Sah Lake City, LIT 84'13'0-0285 While wo investigate, the same rules apply to the disputed amount as discussed above. After we finish ow investigation, eve will tell you our decision. At that point, if eve think you owe an .moon[ and you do not Fay eve may report you as delinquent. CapRal One supports information r iv.ey Fxotection: seenpr-bsite at nnsnv capitalone rum Capital One is a federally registered service nark of Capitol,Ore Financial Co.pora;ion All rigtI:, reserved €: 2010 Capital One 1 L-0-8 03 1)1/11 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ......................................................................................... Alternate Phone ........................_................................................................ E-mail Address....._ ..............................._..................................... -........ Pl i t dd h b h b i bl bl k i k ease pr n ress or p one num a er c anges a ove us ng ue or n . ac 7 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. - Last but not least, be sure to write your 16-digit account number on your check. r__ •in your waiietl MAKE A PAYMENT. AND TAKE CONTROL 500010 OF YOUR CREDIT WITH CAPITAL ONE! Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. fc0 2009 Capita! One. Ctrpital One is a federally registered sera-ice mark. All nglits resenvd. Page 7 of 2 1-800-903-3637 www.capitalone.com Visa Platinum XXXX.XXXX-XXXX-9046 NEW BALANCE $7,104.51 ? S? 92, Credit Limit: S 7,000 00 Cash Credit Limit: 57,00000 Available Credit: 50.00 Available Credit for (:ash: 50.00 - --- - - ------ - ---------------- ------ -- - Apr. 06 - May. 05, 2011 30 Days in Billing Cycle --- - ---- - --------------- -- - - ----------------- -- ---- ----- - MINIMUM PAYMENT WARNING: If you nuke crly the minimum payment each. peria., you will pay mare Jr. irttere5l and it uhll Lte Ya, IrmgPI to pay off yorr bala[e. for example: Payrnerd AmountEach Period If No Approximate rime to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Minimrm Payrrenl M Years $16,44D If yaw would like irimmation abo'd nerd ra -liog services, call'. 6W-316-1:155. LATE PAYMENT WARNING: If vw do nol rvceive your rnnimtm payrenl ny ynrn due d4e• ya, m:y have to pay a late fee of up ro S 35.(Kr and your APRs ray he ir:orase. uPte the Peo3hy APR of 29.40%. Previous Balance Payments and Credits fees and Interest Charged Transactions New Balance ( 56,966.22 - j 50.00 f 5138.29 {- I 50.00 `--- 57,104.51-_ TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR USA WARNER #9046 FEES 1 02 PAST f?UE -FE S35.00 Total Fees This Per od 535.00 Total Fees This Year S105.00 INTEREST CHARGED iNTE'EST CNAR6E' wJ RCHASES S1034 .29 Total Interest This i'eriod 5103.29 Total interest'his Pai 550610 Transactions cDntinue 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 Rai (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Pwrhases 17.90%D 57,020.65 5103.29 Cash 24.90%D 50.00 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 70 WWW.CAPI TALONE.COM TO MAKE YOUR PAYN ENT ONLINE. 1 4862362635459046 05 7104510171000781006 Account Number: 4862-3626-3545-9046 Due Date New Balance Z•?i;;is:::>:;>eY:::rs:: Amount Enclosed ? -------------1 ,--- -----? ?----------.1 rte-------? Jun 02, 2011 ( $7,104.51 r? LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2001 lllnrl Take advantage. Take control. Manage your account online at fAnvw.capitalone.com Make payments Review account information AQ Manage your account in privacy 400006 Capital One Bank (USA), N-A P-O Box 71083 Charlotte, NC 28272-1083 1111111,III-,IIIIIrIL-1111111rrIIIIIr'r11.1rII1.11r 111111111111 Please make checks payable to Capital One Bank (USA), N.A and mail with this coupon in the enclosed envelope. LISA WARNER Ifow can 1 avoid paying lust- t Charges/ Each month you pay your "Nrwr ealsnpce" in !oil, you ,it have a rnkilm-, grace period of 25 days avilh no interest charge on all raw 1) purchases, 21 balance transien, 3) special purchases and 4) other charges. If you have been paying your a: count in'.ulI with no inter.,: charge., applied and you do not pay Your next bill a lull, pi-ted interest eha,gw will be assessed There is no grace period on cash advances, special ',sneers ur on any nc-w trams: tier Men there is an.nplid balance true,. prevn>t,s Mil )-bur Is the Interest Charge appli.d7 Interest charges -rue fmm the 1) date of the I-Sartion, 2) date Th. transaction is p,c-sed nr ) fine calMdar day of the baling period. nn., owe Interco charges accme on even, unpaid amount until it is paid in full. This mns you charges ev if you Pay the entire "Neav Balane e" u month. but did not do - for the. interest I.-'t on11, . linpoid'arteies: charges a - added to 1h,,-p. segrr , of your ..ccoun_. Flotvrver, we resent. the light to not assess interest rhargw at any times Lb you Ies a Minimum Interest Charnel Yes I minimum INTEWST CEAI1,E a! 50.50 will be d 77 each 11rek?g pmicrd yew accounP is subject to an n to esU charge. Hlwv did you Calculate the Intermit Charge? There are several calculations that are Used to determine yaw total interest charge. 1. To get your Daily balance. For each segment, 1 take The beginning balance and add in new -.-duns and the periodic interest charge on the previous day's ballonce. 2j Subtract any payments and credits fur !hat segment as of that day. the resat is the daily balance foil eae h srrymerlt Hrnvev er, if you paid yuu° pc-viuus month's balam. n flip nor it your halrxe was zero or a credit ammarc). new transactions avbkh revs! In ur purchase or ial pucha,e segmevwts are not atldetl ro the daay Also' transactions [hat are subj.,' to a grace period are not added to the daily balances. 2. To tind Average Daily Balarxe. 1) add she daily balances together and 2) divide the sum by the --be, of days in the billing r. ycle. 3. Estknate yr. ,I, Total Interest Charge.- 1) muhiply Vow average daily balance by the daily periodic rate and 2) nminply the result by the number o4 days in the billing period. NOTE: Due to rounding ur a minimum interest charge, his calculation may vary from the interest charge d,wdlly assessed. How can my variable Annual Percentarw Rate (APR) ,hang.? Your AIM may inrrea se or d.crease nosed on one of seven standard indices reported in -he N;a0 5:2e; muf Ta find r tn a r, ook f:x code (P, I, C. S, D or F) on the front of this wbich index se fo yo ,tat enter' next?to the Afili Then check the table beow. Code nrstrt to your Annual PercerRage Rata (APR) Index which your rates are based on What, ywr Annual PorterNage Rate will change p Cuarholy Prima nnwgin I -A-sly disclosed to you Therfast day of tfie L a adtry LIF.OR - margin previou-4y disclosed to you billing periods that C uaderrly CYT+ margin previously disclosed to you erd in,linuauy, April, S BsrMcsad Primo+ magin prosiously disdo.W m you July and Ortuber. D _ fatrdMy Funs + margin puadksllsly disclosed to you The first day of reach F =y I MR + margin pmvio.xly disclosed to you pun Wy billing G' - sr:ry L?OR + margin prove .sly di-lo.. to you pmod. Am them Additional Fees aascelated with my account? Yes, under certain circumstances. you may be assessed a Late a, Returned Payment Fee. You may also be charged -4 it fees h permitted by la•.v. We reserve the fight :o at a,se,s fees without prior notice and without sawing our right to assess a similar fee later. How can I Close hat Ar ant? You may dose your acroum by calling or tvdting our Customer Relations [>Warg.r, At that timr, we SAN provide additional details including payrnent informatisn if you und s .. AiT card or rhargw past to pow ern after you ask us ro close it, wve can keep your cooun, opx To avoid prying any applicable membership fee,, call to close yaw account prior to the end of the cycle in which IT is scheduled to be billed. Who, happens It ny err [ k cd, s,rukd7 We may close or suspend your account and your nigh! to obtain credit at any tkne andfor any reason, even if you are not in If -.1c A,uun' susperwbn can he ppemarxn: a ternporary If ywwr acc'ouni n closed or wslsended yuu 1j stop vain your credit card and account, 2) cancel all automatic payments 3) testrary ?aN credit cards and access checks, send 4) pay all amounts you owve us, even'?.'they +rere charged after the ,count was closed or suspended How do I Make Pont-41157 Payments You IraN to us will be credited to Vow account as of the business day are receive it, a, long as t) you send the bottom portion of this statement and your check in the enclosed remittance envelope. and 2) your payment is received in one of our poces,ing centers by Sprn local time. Pease allow at liar. (7) business days for mail delivery. Mailed payr---n:s r-eiL,d by us at any nthcr location or in any other form may nor he :,edited as of the day we receive them Do you Process Paper Checks as an Llmctrunic Funds Transfer? When yuu provide a chef as payment, you authorim us and our agents either to use information from your check :o make a onetime electronic fund transfer from your deposit account or to process the payrnert us a check bansaction. When we use information from your check to make an electronic `nod transfer, funds may be :vithdrevar, I. m your deposit account as awn as the same day we e your payment and yet will not receive your check tuck from your finarrial its:i;anon Yuur auth-L.Imn is not limited by the date on the check. We may resubmit and ale:tr.ne. afly collect the returned payments. What if I file for Bankruptcy? It yon are entitled to bankruptcy pra,ctiun, this , - ber is for inform only, it is nut an attempt to collect, assess :x rear-veil a dr?ht or claim acaDu no[ Send us payments without speaking with your bankruptcy ar-, or the Bankruptcy Court . If you or your att-ey would like to contact our barauuptcY claims se n•ic. u directly, plea, cnntacn' Capital One PO &sx 30285 Sal: Peke Cty, UT 8413x2851 MILLING MC+-ITS SUMMARY (Dees Rot Apply to Small Business :accounts) What To D. It You Think You Find A Naistake On Your Statenent. It you think then: is nn ^n your statement, write to us ar Capital One P.J. &ax 30285 Soh Lake City, UT 84130.0285 In y[rur letter, give us the following information Account information. Your name and as-purr[ number WILL amount. The dollar arwount of the suspected en not. Description of Problem: If you think there is an error on your hill, describe %,hat you ta,h- is wrong and why you believe it is a mistake. vou -prise' us avitNn 60 days afte, the error apprarerl on your,:alrmawt. note act u ilh pate teal er n vri:inn. Vou may call rn ur no;'ny rn r•le,lrouic all.. butt if you do ew are not required to investigate any potential error: and you may have tai pay the amount in question. While we irnvntigate whether or not there has been an error, the following arc tore: We cannel try t. copier The amount in qua n port your as delinquent on that a owxV. The charge in question may remain un yours,dtem report and we may contirexe to rhage you siteucst on that amount But, 'r. sae Oetem ur a that we made a -hadke, you -IT not. haven, pay the amount in question or any int- or either fees negated to [hat amount. 'While you do at have to pay the amount in question until we send you a .flee about the nurcun a of our i-igatiwu, you a esponsible fur the rt ;ndc-r of your ball-e. Vii can apply any unpaid amoumaagainst your credit limit. Yuur Rights If You Am Dlssatisthad With Your Credit Card P-haws. N you are dissatisfied with the goods of 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 folowing must be true 1. The purchase must have been made in your home state co within 1 Oil miles of your current mailing address, and the purchase price roust have been enure than SSIT. (Note Leith., of these are necessary it yow purchase was based on an advertisement we mailed to you, or if we own the company that sold yotu the goods or seNlcm ) 2. You must have fined your credit [Ertl To, the purchase. Purchases made with rash advances from an AT 0A or with a check that acne,,., your 1. edit card account do not quaaif, 3. You mot not yet have frilly paid for he pu,cha se. If all of the criteria above are me. and you are still dissatisfied astth the purchase. cpn[acl us n at Capital One P O. box 302285 Salt Lake City, iJT 8413x285 VJhNe ewe investigate, the same rules apply to the disputed amount as discussed above. After we finish our ovestig vau.. eve will tell you ow decision. A' , that point, if wve Think you owve an a .punt and you do not pay are may report you as delinquent. Capital One Supports information raid- prote,tiun: see our arebsite at wen, ralitaone -n Capital;ne is a federally registered Service nark of Capital one financial Cmporatjun. All rights msr•wc-d f, 2010 Capital One rC-08 031,01;11 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ................ _......................................................................... -,. Alternate Phone ........................................................................................... E-mail L? Address- ...................................................................................... Pl i t dd h b h b i bl bl k i k ease pr n a ress or p one num er c anges a ove us ng ue or ac n . Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. Take Control with Online Statements Managing your account online is easy: Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com ca,?,_?_ Page 2 of 2 1-800-903-3637 www.capitalorie.com Apr. 06 -May. 05, 2011 30 Days in Billing Cyde - --- ---- --- --- - ------------------------------------------------- Creditlanit: -,?,coo (to Visa Platinum XXX)(-)=X-.X)D(X-9046 A-ilableC;Pdlt: so.10; NEW BALANCE .i\` : s:Y Vii' ,........... Cash Credit [unit: S?,000.(1[ ! I $7,104.51 `s ;.... . Availahlle Gedit for Cash: SC -')C, --.; --------- - ----- ------ Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ! } ( 03819 } 50.00 c SI,tD4.51 66966.22 - So.00 I TRANSACTIONS CONTINUED -- -- ---- -- ------- --- --- - You ware aswe sed a past due fee becarge your minimum payment ?A;as trot reree:ed by the due dale. ro avoid this :Pe in the funne,," recommend that pu allow at L=ast 7 business days for your muririum p:rymerrt to reach,apital One. TAKE CONTROL OF YOUR CAPITAL ONEz SO Il Ca13 ACCOUNT AND KEEP IT FROM BEING what's in your wallet? PERMANENTLY UNUSABLE. F sa Platinum NEW BALANCE $7,248.38 Credit Lirnit: 57,000. W Avaiiable Credit: 50.00 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- C) 2(90 Cupin[l (Inc Capital On, is a frdrru/ly ncisremd saute rnm k. All right, ?-ved. Page 1 of 2 1-WO-903-3637 www.capitalone.com May.06-Jun.05,2011 31 Days in Billing (pie ` ------ - -- -------- -- MINIMUM PAYMENT WARNING: ff ya: n eke Orly the minirnm paynw_n[ each Period, lnu ?• `? x411 pay roue in,rlmsi ad i x41114you longer to pay If your halo[,. rot exanple: XXXX X)(XX XXXX 9046 PaymentAmount Each Period If No Approlamate Time to Pay Off Estimated ,,-.?, •,,9\c„??\`?i\; „?, •, , ?Y„ Additional Charges Are Made Statement Balance Taal Cost iL:; • s Mi imim Pay'renl 75'(ears y16,4tli If yew: x 06 like inhwmation atXNA ariit eoweeiing servi::??s, call 1-tM 316-15.055. -- LATE PAYMENT WARNING: If sve.^'o nIX terrrre yon nerir. n:m paynent by yun ut:e dale, lash credit Link 57,000.00 py' may have. to pay a late fee cif up to q 35.00 and your APRs may he iarrcasn. up to ttr Penahy APR of 29.40%. A"Fable Credit for( ash: SOHO Previous Balance Payments and Credits Fees and Interest Charged S7,104.51 SO.00 j + 5143.87 + I TRANSACTIONS PAYMENTS, CREDITS ® ADJUSTMENTS FOR USA WARNER #9046 FEES 1 021LiN PA.S- C•LF FED 535.00 Total Fees This Period 535.00 Total Fees This Year 5140.00 INTEREST CHARGED NTFR-STCNARGE,PURCHASES 5108 87 Total Interest This Period 5103.57 Talal !merest his Year 5615.07 Transactions New Balance S000 57,248.38 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 Nmhases 17.90%D 57,161.55 5103.87 Cash 2490%D 50.00 SOHO Transactions Continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPI TALONE. COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362635459046 05 7248380171000997001 CRW Account Number: 4862-3626-3545-9046 Due Date New Balance ; Amount Enclosed Jul 02, 2011 $7,248.38 1 LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2001 Illrr,l 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- P.O. Box 71083 Charlotte, NO 28272-1083 nlllll?lllr'nlll'Irhlllll^Iluh??ll?l•III?II?'Illlllll?lnl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. LISA WARNER How ran I avoid payng Interest Charues? Each munch you pay your "New Balance"- in cull, you '01 have a urinimum grace period of 25 days with no interest charge m all new 1) Purchases, 2) balance traintos, 3) special purchases and 4) other charges. If you have been paying your account in fall with no interest charges applied and you do cwt pay yournw bill in full, prorated interest charges will he assesseA. Them is no grace periotl on cash .Mont es, special trarsters, or on any new fran+a; lion ,zhm there ;s art unpaid balance from a ixc-viuus [sill He. Is the Interest Charlie appled1 trim-, charges accma:rein the 1) date of the iramacdon, 2) date the transaction is proressed m 3) fin: calendar day of the tilling period. Interest charges accrue on every unpaid amount until it is paid in full. This means you may owe interest charges even if you pay the entire 'W- e.lanc e" one month, but did nos do so for the prvi.,n month. unpaid interns: chsug=" added to the ,_pr segment of your Account. Fowrver, we mserae the right To not anterest harges at any tine. De you a i-sa is Minlmam Merest Chamri Yes. A minimum INTEREST 01AFCE of 50.50 swill be assessed !o, each billing period your account is subject to an int.... t charge. How did you Calculate the Interest Charoe7 There are several calculations -hat are used to determine Vow total interest charge-. 1. To get your Daily Balance: F each segment, 1) take the beg;nning balance and add;.. new transactons and he periodic immrest charge on ;he pervious day's balance. 2'i Sut-cart any payments and cmditsf., that segment as nt ;hat day. The result is the daily htlance for each segr-t Howmur, if you pad your previous nc>nnrs balance in tint (or it your balance ass zero o ..)it amount), raw transactions whir, h post to vow r-,chase ea si-ial purchase segments are not added to the daily balances. Aso, saction, that am subject to a grace period are not added t. the daily balances. 2. To find your Average Daily Balance: 11 add The daily balances together and 2) divide he sum by the -,-be, of day=. in the billing rycle 3. Estimate you, Total Interest Charge. 1) mutt- yo,x wage daily balance by the daily pet iodc rat and 2) multiply the result toy the ,.,-her of days in the billing period. NOTE_ Due to rounding .r . rminirriwn interest charge, :his rakula!nn may vary fmrn the interest charge actuaay assessed. How can "variable Annual Pprcentarw rate (bait) change? Your AMR may ncmase or rl-- based on one of seven standard indices reported in The 1a1a11 .S,7aer Imarnal 1, find M,irh ;idea is used for your account, nokfm a code (P, I. C, S, D or F) m the front of the statement net :o the A 114s). Then check the .able below,, Code newt to your Annual Percentage Rate (APR) Index which your rates are belied on When your Annual Percentage Rae will change P 0. it., Prime+ margin pc-riwsly disdwed to you The first day of the L Ouadaly LIBOR - marg.. pevimrly disclosed to you billing periods that C Ouamrly CD+ r-* paviously dnelcsad to you rid n January, April, S Bankcsad Prime+mag;n pusi-Ay disdos.d to you July aid October. -- D --- IA-rh, Prima + margin pm iously disd-wi le yen The f ..t day d reach F Monthly LIBOR. + ma,g;n posy .sly diacnsed In yen untbly billing G 7--y LISM+ magi... poa u, Iy disdosect to you period. Ara there Additional Fees associated with my .nowt? Yes, under chain r ..'sure anal. may be, assessed a Late e, Returned Payment Fee. You may oho be charged ovednit fees H permitted by law We reserve he right :o not assn! fees without prior notice and without walking our right to assess a vmilar fee lacer. How ran 1 Close My Mcoud? You may close your account by calling or writing our Customer Relations Department. At That time, was will pmv;de additional details ntisding payment nf- ' n. If you ,use our r redir ea,A .r charges post to yow .-lint after yet, ask urn To close i7= ran keep your account open To avoid paying any applicable meroh ship tee:, call to dose yow account pricer to the end of the cycle in which it is scheduled to be billed. What haipperss H my Ao,gurf is S..eserwd? We may close or suspend ynua n: and your tight to obtain credit at any tine and for any te-ri, even if you arc nor in default. Account suspension can be pemra,ent or ternpwarY It your account is closer) or suslx-nil you must 1) stop ong yew credit card and account, 2) cancel all automatic payments, 3) dl all cre,14 card, and access checks, and 4) pay all amounts you we tin, even if ;hey were charged at,,, the account was dosed or suspended. How do I Make Paarrerits? Payments you ntai to us oil be credited to gout account as u' Mr b-in.ss day we receive it, as long as: 1) you send the bottom maim of This statement and your check in the enclosed remittance envelope, and 2) your payment is received in one .1 our poce"arg centers by :yen local time. Please allow at cast (7) bcuness days for mail delivery- Mailed payments received h, us at any other loration tin it, any orher for., may nor he :reli*ed as n.T the day sou re, ewt, them. Do you Pro— Paper Checks as an Electrunnk Fwuds Trarrsterl When you povde a check as payment, you authorize us and our agents either to use information from Vow check to make a eltttrrrar fund [rooster from your deposit.,count err to pocafs the payment a, a chr, kmans.crion. W her+we erne infumr.aon from your rh-k to make an elecrr.nk fund ntx,t. err, fords u., be •n lhdrawsn from your de-it account e, soon as the lime day sou rve your payment and you willnot receive your check back from your financial in0turi You, awheuizatiun is nut limited by the date on the check. We may rzsubrnii and 0, 1.....rally collect the ml-a cl Wyntems. What H I file for, Bankruptcy? If you are entitled to bankruptcy porecrion this r. a dr h; is for ins onna?ion only, it is not an attempt to culled, assess or re.v r tr).:m?no'- t snit us paymenn without speaking w,ill, your hankup:c•, a::o,neyr. me Bankrupt,, Court. P. you or your artoncy would like !u contact our ban u.,ptcy claim a-n. i -. directly, III— rowan i' C.pa.l One- PO 6- 30285 Salt L.ke Gty. [IT 841 3 0 02 85 MI HWr Id(.HTt SUMNIARY (Does Nor Apo, To Small Business Ac.ounnl What T. D. It You :Molt You Hrul A full On Your State,rent. It you think :het:- is +n n your siatemen[ write t. us at Capital One P_O. it, 30185 Sall, Lake City, UT 84:30-0285 In your letter, give ,n The foliusvig nfonna,ion Account infunnation. Your name and account rw,nber. Dollar amount The dollar al:uoun: of The ausssectcd ct mi. nncrintion of Problem H you think there is an error on your hill, descritte what yon b>I'wve is swong and why you befiwe it is a mistake. vou cast contact us tsithin 60 days after the error appeared on you, s;aternent. oust rotHy us of arty ptte tial c+ ina You may call us use notify a elecmmrir ?Ily, butu it you do we am not required to investigau, -7 potential en- and you may have to pay the amount o question. Whik we investigate whether or not There has been an error, the t.11-ing am True: We neon.) try to collect the amount in ques;i.n, or report yew as delinquent or, that arnnunl The charge in questio may remain on Vow statement, and we -y conrirree 1, charge you inte-t on that amours:. But, if we determine the! we made a n intake, you will net have to pay the amount in question or .cry merest or other fees related to that amount While you do m i have to pay the amount in question until wa send you a notice about the outcome of ow investigation, you am respo-ihle for the nreuinder of sour balance. . We ca .,,sly any unpaid amount against your cued;[ limit. Your Rights H You Are Dissatl fled With Your r_rergt Card Purchases. H you are dissatisfied with the goods or servics That you have p t chased with your credit card, and you have Tried in good faith to correct he problem with rise merchant, you may have :he right no! to P., the remaining amount due on the purchase. To use this right, all of the following rapt be :rue. 1. You most have used your credit card for the purchase. Pecchases made with rash advances Iron arc ATLAS or with a check that accesses your credit Card account do not quality. 2. Y wst no: yet have fully paid to, the purchase. IT all of the criteria above are rnet and you our sal &I,e.- fied w9rh -he pur:-hase, contact us in writno at Capital Due P.O. Bo. 30285 Sall Lake City, 1JT 841 3 0-0285 :hie we investigate, the same odes apply to the disputed amount as discussed above After ve finish ow investigation, We Mil tell your our decision. At that point, if vve Think you owe an .rn unt and you do ra : pay we may r ?tor you as delinquent. Cap;[al One supports infor,natim p;vap pomrtkas wvetxite at wsnvwvcap;:alcmn c.,n Capital One is a federally reg;stcted service mark of Capita; One Financial Co,pu- on. All rights r_sewc-d t+ 2010 Capital one C 08 03t Ot l11 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ................... Q Alternate Phone ........................................................................................... E-mail `? .......... Address ..................................................... ............................ h bl bl k i Pl i dd h b b i k nt a one num er c ng n ease pr ress or p anges a ove us ue or ac . Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. - Last but not least, be sure to write your 1 5-digit account number on your check. Take Control with Online Statements Managing your account online is easy: Check your balance and view recent activity View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com - - - Page 2 of 2 1-800-903-3637 - -- --- - --- - ----- - - --- - - --- ' www.capitalone.com May. 06 -Jun. 05, 2011 31 Days in Billing Cyd. ', ------------------ - - - - -- - - 4 \ - - --- ?? ? \ Credit limit: S?,oIX; oC ' Visa Platinum XXXX-)=X-XXJ?-9046 ! Available, Credit: •,0 o)c j NEW BALANCE ..*z.. Oki` - Cash CreditCinit: S?.GJG011 :1 $7,248.38 Available Credit is Cash: Si; OC Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance - -- -- -, -- - - 57,104.51 - 50.00 + 5?43.87 } 50.00 = 57,248.38 , TRANSACTIONS CONTINUED - ----- --- ------ - --- - - ------------- --- - ------ -- -- - '/au N••ere assessed a past due fee because your mininmrt payment was not received by ilia due date. To avr.•id 65 lee in the iutme, » •e re:ommend that you allrra! at least 7 business & -'Dr gout mininurn 1),yment In reach Capital One. SWOtY IT'S STILL NOT TOO LATE. what's in your wallet) 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. (r-) 2009 Capital Ong. Capital One i; a f L,erlly -g mt,, "I s?-i- mark. A11 rigEar rz• -d.. Page 1 of 2 1-800-903-3637 www.capitalone.com Jun. 06 - Jul. 05, 2011 30 flays in Billing Cycie i - -- - --- ------------- --------- ---- MINIMUM PAYMENT WARNING: It you nuke er•.ly the minimum payrri each prnior-, yo, x will pay rare in otetest ate it will rie you lonye, to pay uR your balance. For example: Visa Platinum XXXX-)0(XX-XXXX-9046 Payment Amount Each Period If No App,ommate, Time to Pay Off Estimated NEW BALANCE ..i ci"? = '`• , zWi ;?\;' „",- „A"„ Additional Charges Are Made statement Balance Total Cost 57,390.85 . ,......... A;t -. ...... , M14nimumPaynrent -----T 75'reans ---? 46"< IF you would fike iritoimAon atxxd uedit cu:nsrling serA:es, call ^ !i&i-376-fii>55. LATE PAYMENT WARNING: It Vier- do riot receive you, m vimtm payment by y:ax cue dl 1, credit Litnit: S i,000. 00 Cash Credit Limit: 571000.0(: y`v' may have to pay a late fm of up to 435.0(, and VD., APRs stay be inneas-<d up to the Penahy APR of 2 9.40%. Available Credit: SO W, Available Credit tot (ash: Si Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance -- - - - 5124238 - 50.00 + 5742.47 + 50.00 = 57,390.85 ----- - ----- - - -- ---- - ---- C i I TRANSACTIONS - PAYMENTS, CREDITS & ADJUSTMENTS FOR LISA WARNER #9046 i I FEES 1 02 UL PAS, Dull FEr• 535,00 Total Fees Tlis Period S3S.00 Total Fees This Year 5175,00 I INTEREST CHARGED iNTERFST Or.ARGF.PURCHAS-S 5107.47 Total Intwest This Period 5107.47 i TrAal Interest 1'Im Year 5722.54 j I i 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 IAPR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rabe Purchases 17.90%D ( 57,304.83 I 5107.47 Cash 2490%D 50.00 so.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LCK ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4862362635459046 05 7390850171001213005 C -;X Account Number: 4862-3626-3545-9046 Due Date New Balance Z•'.i-imk;n Amount Enclosed j Aug 02, 2011 ( $7,390.85 I c.. LISA WARNER 305 RAVEN CT MECHANICSSURG, PA 17050-2001 1111,111111.11,4111•,1,1111.11..11, 1111.1.1111111.11II'lIl11„I 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 P-O Box 71083 Charlotte, NC 28272-1083 II111Ill rIII.-II111rIIr1111111.-1111Ill. I1.1-II1.11-r111111Ill -1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. LISA WARNER lirrw can I mold paying Interest Charges? Each nwmh you pay your "Nrrv Balance" in full, you sv81 haw n grate period o• 25 dey, with no interest charge all rte. 1) purchases, '_) balance unsten, 3) special purchases and 4) Other charges. If yru have been [eying your .. count in full with no interm: [tmcgr, applied and you do not pay Your next bill n fur, laorated interest charges !sill be assessed There is no grace period on [ash z.-e', yarcial tr 0,s s, ur On any new transaction !Mm there is an unpaid balance from a M,vious Nil How is the lmems Charge applied?lnoes[charges active from !be l) date of the transardon, 2) date the transaction is processed or 3p tint calendar day of the hiring period. kueres; has 4, a ,r out c-y unpaid ail r until it is paid in full. This n m you may owe est charges even it y- pay the entire "N- Balance" o month, but did rant do so for the pr!viuus rnomh. rJnpaid inter -. charges a -added to the In-,per serplaut of -,- Arco-, Fo.wever, we rese,s•e the right To not ases mr.e. charges at any time. (trs you assess a Minlrturn Mterest CMrne? Yes. A mininrrrn INTEPEST "of S0.50 trill t assesxd:or each pining [a+iod yrur x[coun; is subject To an interest :barge. Iauw did you Calculate tM Interest Iharge? There are -o cal cakuktions that are used ;o determine your total interest charge. 1. To get your Daily Balance: For each segment, 11 Take the hegav,;ng balance and add in new ro-acti-, and the periodic interest charge on -he previous days hatanre. <'r Suts,,...I any payments and credi:sfor that sagmers! as 01 That day the result is the daily balance for each segment H--, if you paid your pre--virus nunrF, s halan in full (cv it your halarr. credit ,soil, new Tn=.nsar terns which post to your pu',chase prnchase tegment are not added to The daily balances. Also, rn that are subject to a grace period are not added TO The daily balances. 2- To tied add the daily balances together and 2) divide , sum by the cage Oaily Balance: he umber of days in the billing cycle. 3. Estimate you, Total Interest Charge: 1) multiply your ,rage daily balance try The daily Pniodc la, and 2) multiply the result by Me nuintar of days in the birinq pre r iOd. NOTE' Due ...... rung or a minimurm in[eresT [barge, This calculation may vary fern the interest charge actuary assessed. How c an my -61tile Mnual Percentage hate (APR) change? Your APR may increaue or der-mast haled on one of seven standard indices reported in TYSe Welf Size; ,'.-( To fhd ,,Aich index is used for ""s, account, kOOkf. a code (P, L, C, S, D or F) on The from of the statement neat To .he APR(s). Then check in. table below. C.I. rwxt to your Ann" Percerrmge Rate (APR) index which your rates are based on Wirers your Annual Percontage Rate will change P --- Ouaderl• Prince + magin prrrriwsly disclosed to you The first day d lee L Ouarie,ly LIl - magm previously di-lased to you billing periods that C, "-rie,ly CXy+'-pin pras-irwsly disclosed to you end in .•arvav, Apia S Bnnkcad Pum.+ margin pieviusnly disdoxd to you July and October. D lAonthly F,irr++ margin prasiunsly di.d-.d b you Thefirst day or era t, F fA_1thly LIBOR + margin prey usly disckased toy monthly billing G 7 ma-, LLSOR + margin prey usly diadmand to you po riud. Are there Additional ttat ees -orlated with nor arrount? Yes, under certain circumstances. nay be 2111! red a nil Rtumed Payment Fee. You may also be charged overkmii t:yes t< permitted by law. We r e;he,ight to not assn; fees without prior rro.ee and without svaakny our right to assess a similar hue later. How can 1 Clow My Arcou t You my ckeae Your accounr by calling or writing our Customer Relations Department. At that time, we will provide additional tle:aih including payment irs!urrnatinn. d gnu use yaw credit card or charges p'o>t ru you account after ya, a>k us to case sec o can keep your account open To avoid paying any apprrable merobenhipfees, all to close your account prior to The end of :he cycle in which it is scheduled to be Wiled. What happerss h my Arrm...t Is SnmeMed?'Ne may core mil .spend your account and your right to oM.ain credit at any lime and for any reason, even if you are no! in default. A-,o un{ens an sane Pen or ternpurary. If your account is dated or wspr•ndeA maysy) srnP ssirr9 yea cretli 'card and a'count, 2) cancel air autuna[ic payments 3) You cleat all uedit cards and access checks, and 4) pay er amnunts you Ow, us, even ii they ,sere charged aim, the account was rinsed Ors.,-W d_ Flow du I Make Pa.herr[s? posts, rttt Yau ,oar to us ssdr be credfred to your account as of doe Business day we receive it, as long as: 1) you send the tannom portico of :his sta:ensen! and Your check in the ends sed rerninarsse, envekpe, and 2i your Payment is received in one of rum processing centers by 5prn local Time. Please allow at bas! 17) business days for mail delivery. Mailed pay,--., received tw us or any other bran.. or in any other form may no, he ::.,•dV d as of the day sve receive them. Du you Process Paper Checks as an Limtrunlc Frrsds Transfer? When you provide a check as payment, you authorize us and our agents either to use infumatinn from your che,.k To make a one e electronic fund transfer frost, your deposit account or to process the Payment ns a ,heck- rr . When info- u., a from your he,k to make an electronic fund traosfar,fund- nse, be Wth,ko n from your deposit .. as the some day we account a, ve your pay ens and you will nr1 receive your check back in-, your fins a.wl institution. authorization is not limited by the date on the check. We may resub,nit and e,lerronirall• collect the resumed payments. What if I file for Bankruptcy? If you are -tided to bankmptcy p-ec lion this O cation is To information only, it is not en attempt to collect, assess o. reccwes'a debt claimaDo not sand us payment-whout speaking with your hanouptcy anorneyo, the bankruptcy court. If you or your attorney swuId like to contact Our harrkmptcy claims curie ell directly. please contact' Capital One PO & x 0285 Sat. Lake City, UT 84 t3!H0285 teLLlN6 MGHTS SUMMARY (Does Not Apply to Small Business Accou ts) What Tu Ou It You Think You Fired A Mistake On Your St ater,yrnt If you think Thee is an on you, statement, smite to un at Capital one P.D Bo. 30285 Sah lake City, UT 84130928S In your letcr, give us The tolkawing into, .-io, Account information. You, name and account -,.,be, Coll., amount The tlorar anwunt of the suspected semi. Description M Problem: h you Mink there is an error on your hill, describe !,heat you helir've is wrong and why, you believe it is a mistake. you conr contact us within W) days after the eror appeared on your statement. You ws: no'.ify us of any potential ourru writirg. Vasa nmay call us or notify us electronically, Nit r you do we are not requked to inves in tigate any potential eron and you may have to poy The amount in question. While we investigate whether or not There has been an error, the following are Tme: We ca net try to collect The amount in que port nu g as o delinquent n that amcun t. TM1e charge in question may remain on yuu, stateme rent, and we may cominue to charge you interest on that amount. But, 0 we determine that sw made a mistake, you wit not have to pay the amount in queston w eery imeren or other fees related to That amaunr. While you do not have to pay the amount in question until wa send you a notice about The nutcorne of our kwestigatinn, you are res[x,nsihle for the rernaindcr o} your halanre We can apply any unpaid amount agai,.t your credit limit. Your Flights n You A e Dissatisfied With Your Credh Card Purchases. If you are dissatisfied with the goods or services that you have purchased with your credit card, and you hate !tied in good faith to rnrrect the problem with the merchant, you may have :he right not to Peg :he remaining amount due on the purchase. To use this right, all of the f"Ossi ng -"I be :me 1 must have used your outfit laid for the purchase. Purchases made!vith rash atlvances frrnn aa'. All,' or with a cher'k that auze,-your credit card account do not qualfy. 2. Y ant -wt yet have fully paid for the p rchme. R a8 of the criteria above are -net and you au, stir di...Tidied with the purchase, ,0.-1 us in wrilino at Capital One P O. Ik.x 30285 Set-, Lake City, -JT 8413"28S While we investigate, the same rules apply to the disputed amount as dscussed above. After % e finish or invesrigation, sure wall tell you our derision. AT that point, if we think you owe an w a norms and you do no: pay we may report you as derricii-T. Capital One supports information privacy protection: see our webute aT www, capirabne coin Capital One is a federally registered service mark of Capital Due Financial C unn-me All rights reserved F 2010 Capital One 1C )a 0"..'.1/11 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ........................................................................................... _ Alternate Phone ..................................... ................................................... E-mail ?? Address --------------------------------------- ........._......................................... Pl i t dd h h b i bl k i b bl k 0 ease pr n a ress or p one num er c anges a ove us ng ue or ac n , Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. (("- Take Control with Online Statements Managing your account online is easy: Check your balance and view recent activity • View and print copies of past statements Pay your bill online Sign up at: www.capitalone.com Gap?- Page 2 of 2 1-800-903-3637 www.capitalo"e.com Jun. 06 -Jul. DS, 2011 30 Days in Billing [ yde ---------- - -------- - - ------ -------------- i . ?:A:.. Credit IiraiC 57,0,( Co. Visa Platinum )7(XX-XXXX-xxxx-9046 Available Credit: 11C 00 i NEW BALANCE .. r ii;• ,.i'`:iti' :; ei ?''i. Cash Credit limit: `7,coc, 00 $7,390.85 ? .>..... i AvailaNr Credit lm Cash: SC.CG i - ------- -------- - --- --- - ------ --- ---- -- -- Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 57,248.38 {- f 5142.47 } SO.DO o 57,340.85 i - -- ------ ---- i ?---------------- -------------- '-- - ------ TRANSACTIONS CONTINUED -- - - - ------- ---------- ---- - - you •.a•ere assessed . past due he bemuse your minimum pa}ment was not tP;PIVPd by the due date. -o avoid tins iee in the iuFnie, •ne re:ommPnd ihaF yat allow at (Past 7 business days for yorx minimum payment in rea,,h Capital One. ?whars In your waNet7 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 arrount due on your staieme-it by the due date to elirmnatc the risk of being charged oft 0 Vo9 C tpirsl Ont. Cgn.10- ii a fc'4-11y ngsy rrd rm irv mark R7( rgbr, -d Page 1 of 2 1-800-903-3637 -?-/ vvww.capitalorle.com Visa Platinum XXXX-XXXX-XXXX-9046 NEW BALANCE ....i ; ..y:• \'e :?'.. 57,539.11 set i.2 i I I Credit Limit: S7,000.C.0 Available Credit: 5000 Cash Credit Limit ST000-00 Available Credit for Cash: 50.00 -- - --------- ----- - Jul. 06 - Aug. 05, 2011 31 Days in Billing Cycle ----- -- - - -- - ------ ---- ---- MINIMUM PAYMENT WARNING: r you u take only the mnir um payment each period, you will pay ,rcx in itti'wzl and it will tte you Iongel o I my off your balance. Fur ewnple: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made statement Balance Tad Cost M1linimum Payrrenl ? 25'(eart $16 -5&5-i2b-ffir55. If V- world Itkr irfwrretion abort rre^'it crn:nseiing services, c9i1, LATE PAYMENT WARNING: if we do rot -r& yam,Twi-payrnertt by your doe dale, ym may have 10 pay a late fee'A op 10 $ 35.00 and Yuur APPS may be ii!OeaWn up to the Penalty APP, of 2i. () 0. Previous Balance Payments and Credits 57,390.85 r - 50.00 j ------- -------- ---------- Fees and Interest Charged + I 5148.26 + (TRANSACTIONS_ ----------------- PAYMENTS, CREDI TS & ADJUSTMENTS FOR USA WARNER #9046 FEES ! 1 02 AUG PAST DUF FFE 535.00 Tidal lees This Nitod 535.00 Total Fees This Year 5210.00 INTEREST CHARGED NT,-REST 64.ARGEPURCHASES 5113.26 Total Interest This Period 5113.26 iatalinterest?risYear S835.3C Transactions contbwe on page 2 Transactions New Balance SU.00 = 57,539.11 i ----------- `----------- 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 amount. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Pruchases 1790% D 57,450.01 5113.26 Cash I 24.9096 D I 50.00 50.00 PI-EASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONECOM TO MAKE YOUR PAYMENT ONLINE. 1 4862362635459046 05 7539110171001436007 CRW Account Number: 4862-3626-3545-9046 Due Date New Balance Amount Enclosed Sep 02, 2011 ! l\ $7,539.11 -- LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2001 II'Illl'Ill'Illl'Illl" "I11'II'Il"'Illl'Illlllllllrlllllllhlrr 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 Illllllrlnr,nhllrllr1111111.-11114r-llrlrlllrllrrllllllllrlnl Please make dledu payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. LISA WARNER How urn I -id paying Irxe,e. Chen, P :h Alks •,li, y' h 3:1-,1: 1 .5 1-,} .dl'rJ 'Yvy .. , : ,I h,Y::, .I•,. r:: J.r:. > F::.,I a r a!:J I T : iuq-;. t . , 7-11 , lj ; iul O ti, r lip-1 . a ..I:.. l it r, . ] • •::x I:,y , „ -1 bil ] r.t , wall t: J ?h . , j c.r --j ] J,r -h t, f :.: ,. V.•.,.J +'rP ...,,r.. ., r!till. Ebw n the Irderest rherue aq,l etR 1"• st h j ::, a- ! -n t': 11 J;!e et: Jn.;.r, 1 ],:r [h: -1. U „ ]:Cll [M' ; p:. t - die xrt :aJ taJ •k' ,I T ?= r, :,. -x- h, it y,, th..-ra , w,,., t..e no yw a»ess a Mulm,mke- Chaco.' itt, u: NPr H. IT'Hrlt',E X J_ E ,. t:•,-:- -J t_, h t y1y, 11 ,ur. ..,!:, .,: rd. .. -rha jt. How did you Calculate the Irdems[ Qlaroe7 [n d,. Ad,;.. t! )l , .. L ]-T-! " , •': l .:.Fit :Rttk:th.t:-Ji:v, 3 I, Al, :. ,..]-1]rr 1 d A IT ,.. J 'A j -..•t, r m- J,:I, t'l l t, .'r y L ..:r.- s: J F 1 ,,•, F Iu. <:r,. ::w..,:Ail, ' xh t,. F, hu,--. F-:,1 r•n:h -.u,--: ',.J:.... Ih- brn'.-:J, n,11,, r.t:-_!I, -:I:,j '] nw. : by rt 1, e th-? it it j '_L,Jn yJ-: [,rJ::a h j-:1r it ,,j F, 1, ,I':. W:! 1.1,.A;Fl,.,.. !,.i dr'. t dr it- it ill, , X my v aW Mnua1 LT!nt! Pate (APR) dl rp, Y h ] - ,r,,:1,1 Hr1 Tn..e •,h....+ , 1I,rx:J„ : "it 1 .:-J- rr, L• . , , „•.: th r :.t 1hi. , k 1 h '- k'h: , L Code ne,n to your /umwl Perrrtdage Rate (APR; Ind- whidl your rates are t-d on wt.. your A-A Perxxmage 1 .0 dii t''4] it,. il= t tT ,; fi•:IJ•rJ Way„ F.. sit .A 1 it gli r A, G i, [: EP.?:,dd•^xr ,?f o:1:::.1rr 'h-!i:•r 9-y:.l -s:1•. F ht,udl Ll.:rl 'dl; W1 is-xu u.:.,9 .,uA :cv-.j:.J .:: il,,, Am there yfpjFyxMlfias a»oriated with my auuunt7 Y:•. , Tit", - L4 it F-tu:u-] --1t F-: „ 1'.J t- ,: ;:I11. 11 it 1.1 t, I Now can 1 rk.`" x., A .,t ty aA.y , w•t a ., , P. At 1: [n1-:...c Ms,r,r-.. ,.. rd I- I 12t:x?r t4.: ItZia, .'.. t„ , 11 21 J!, >F,:! .:;ur I -A ! -Rw-:n ,u[ k•II ,..?iJF .. .j ?:y 4L "1-l 0' ti;ii `1 "hl ;1l What happens if rq Arm, i, Susp=A.d, •:q•- :; :,y -u:t-n1 y,w ,,,:R nel -,u :i3h'r k-', -:. A -1; V+.. Ill -.:,y: ', y;., n J,',, 1-!, k H.-:, n. yu-1' cHn •,n t.-. :- .,5 '.x I ;.d u.inj w -lit .,lx.; :?:J!4. ', .I ull t'n,,... ?;,'r ni 1r:a..} , --1 ]: ana ,• It k. n, 4; -Al w p .l .» . l I I".; A_ lh- 1-i Xow do I Make Pax snisr } t- r I- it -y, 1 _lfrlui, y J v 112 r :!'i l,i-r .. ,,:,z. t, „W.j l31, 7.; ,:..,! _w r:3 d!" ti zl *s.:ih,. ,. ; r,k- , h...- "` -` M ',.h j"! it j .:.. - +.,:: ?.>:, nh. r,ee u• I nrr y,. H -lra:x 1. dr[ r I t i.L•cJ it t, rk,...., rd n,- ,, t. s.h6-nl+urr , w hark 7.7:: -,il ,,. 'r t t. ,,a A:-:rt: 4, f-,;,-,a. t: ;,1 1: '."j ti- L' I-L"t' F-',Wn,-,:, :h. ?,^.m: 't..'':.: ?-lrm-IJI,a, _,•3 tl JI:. 1,, It- N -.I .71 .J Tyr,:, ,yAre, IJ.,,.. „ :Ini Do you Process Paper Meno, as n EMorronk Funds Transter7 vnr- Al st= lr, , .m=i:rl'rr'Ail t rt-t ,? -,r., N1e1 if 1 file for Wriwpd7 I , •: me J I- k,F['.y E x? it tit . tr , ,1 t, 11P- 1, A , , 5 -ft , Witt . J 'h .,nu:Etynr l.., t^- s 1...,.u_ I ,. , w ,.k: .,t ,I ..y-I•:, fti li'! 2-5 19 901IM6MMS SUFAMARY '1- 1-1Andv R.i- 4'i,r. E. What To Do It You 7N,* You find A reistalte on your Stal- wnl :, - ,u. E,r, .x, ..• _,, a E ?AL LA. 7, T 4 Y, -:, - a: I.xnn. 3.,.. ,. [h:. I,L,..w i i d.x ,,A , .'.x, t:,. _J'x 4P-tl. I.,uJ, M1th. ,u ,,, ..,. _ .. ,, I ,: n:i ?',: ;:' J , h„ ^ - ;,:;..k.: ,:.] :,: cur •r. r na. x 17 -it I'l !l h?l 11 L ii "I fit - Ai' 41- A 1 !11 ill 4 r hje itj .n, ' w+ 1-r•I In tL w....-.] .., lit th- .,,V^yJ,., r.itLl d, "! v1 I „r... +4... +shF'I• , .1p A •.n,r j? 1. ::. 1t.u;i `. 'TJ Ywr Ri.ID It You Are Dissatisfied With Your Credit Card Purdhases. !I t'.h .n-.I,-j with,.., r-.jit ,r7-J,h !-I ill yJ::]1?r Tth- E .rz. i ;ht d• , r.hunt„ , Ii-_ Crr j it. ],.. r.x.,., iTh4; l •r.,, ••.. u I.:,'.u ::-Jrv,... r,..,,IW,.. ,?.::r:: ,r ,, ,.r c117 lh luJ-A •:i tn•. r,;' ::t F •?,x 3J2= iJk<Jity, UT 3 '7= 1•xl- - t. utt µp, e [h ji:m .1,J ul : ,:.h :•,n •,c;.r, w. sax.! ,, I . J'.. 4 IV if - :hi,!, , 3- m^ I )T ir , 't .t, fu 'I-,.r:C:::. illt :itch"- 7 -98 Ini:uitt Changing Address? Address ......................................................... ........................... ........................................................................................... Home Phone .................. R Alternate Phone ........................................................................................... E-mail Address ........................................................................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. Last but not least, be sure to write your 16-digit account number on your check. Take control with Online Statements Managing your account online is easy: • Check your balance and view recent activity View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com _ Page 2 of 2 1-800-903-3637 - WWw.Capitalone.COm Jul. 06-Aug. 05, 2011 31 Days in Billing (yde CaPltd?' ??`"` Credit bruit: S7,000.00 Visa Platinum )(XXX-)=X-XXXX-9046 Available Credit: SC.CC NEW BALANCE •...... . f\•1 , AY.M,,',\i- .->.. Al Cash Credit Link: S?,CQO.CC $7,539.11 .. ; ?> .-... z?? .. ;? Availehle Credit 1w Cash: SC Co ------------ ---- ----------- - -- --------- Previous Balance 57,390.85 - Payments and Credits Fees and Interest Carped Transactions New Balance 50.00 } f 5148.26 } 50.00 51,539.11 -- ----- - ----- TRANSACTIONS CONTINUED '(Du were assessed a past due fee hKause your minimum payment was rot received by rbe due dete.."o acrid [hes gee in dre iutme, se recommend Otat you allox at least 7 t>usines> da;. for yrwr minimum p;mera to loco, ±apit-al One. 00 el3 Your account works differently now that you're 7 payments late. Please see the next page for important account information. Page 1 of 2 1-808-258-9319 w w w.capitalone.c om/so lutio ns -- --------- - - Aug. 06 - Sep. 05, 2011 31 nays in Bilhny Cycle IMPORTANT ACCOUNT UPDATES Visa Platinum 4862-3626-3 545-9046 Yom full batairn is due Airy pay-4 you make trill reduce your halance and help pay off NEW BALANCE PAYMENT DUE DUE DATE your deb faster. The arrount you owe rr ri diMer iF y??'ve ern nee into a s paia?e fryr.rt ayreerient. $7,689.64 $7,689.64 PAST DUE l Available Credit: SO 00, Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ---------------- S7,539.11 - 50.00 - t 5150.53 - - - ! + I 50.00 ! S7 069.64 ---- -------- --- - / TRANSACTIONS -------- --------- ----- PAYMENTS, CREDITS & ADJUSTMENTS FOR USA WARNER #9046 FEES 1 02 SEP RIW CUE FEF 535.00 Total Fees Tlvs Period 535.00 Total `_°e; Tius'real 5245.00 INTEREST CHARGED i INTEREST CNARGEPLIRCHASES 5115,53 Total Interest This Period 5115.53 j Total interest ihis'feal 595133 I i i i i ? I - ------------ - - -------- Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. 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 Ii.90% D I 57,599.37 I 5115.53 Cash 0.00%D 50.00 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONECONVSOLUTIONS TO MAKE YOUR PAYMENT ONLINE. 1 4862362635459046 05 7689640171007689645 CqW Account Number: 4862-3626-3545-9046 Due Date New Balance Amount Enclosed Past Due $7,689.64 1 ?l LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2001 i`IIIIIrI -TIIIIIIIII - It I I I III IIt 11,-Ilrnl,llillh111111lrllll1 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. 400004 Capital One Bank (USA), N A P.O. Box 71063 Charlotte, NC 28272-1083 Illlll1-III, -nlll`II-It III". - 11 III Ii`Ilil`Illrll` IIIIIIII`IIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this wupon in the enclosed envelope. INTEREST CHARGE CALCULATION flow on I avoid Paying Im ma Ch,-? r.- J..r. lY ;- [:} j :a,; - 1 AI. ,. - t . 1.., a u.:,., :, ..1 - Ii'Llid _, ... 1_,. gyn.. How h the 44-9 Ch- appl m h ,! I t' 1) :1:1- t}. d ') ]':t- f- ]:: ,I::.. 11:1.,.3:-,1 m . h-,,,,` '..1 63 ,1 III- z VI 11 L,:: a1 m` pt :61L , rlt, Dot- assess a MiN-, Mtemst QW..? Y- 1 ... v T: k.JT -5, r. ,:- ..3 ltow did you Calculate the Interest Clsarve7 1 r n.,: j-r yin 14, F.- „1:-: F, 1A 1,1 . _. 13 11 r .nx -1 l .ha, I:, . w C, 1 t1, t . s h nt. N 1 F . - 1,111h-: ,.,., c. 'r LA d,.. t'l,1 C:..n -p • 1s .1 'A3-] I, Ifo 3 'S a 1.: T a-:: I;: _ F:d ..t :]]=]: ]n., _.:;•r n.a .j['x411. 11-]3 tn- V,_ :•.e.' ty t t.- -.1t-' . 1 - Ui , r, T AA IIF ,. j,l tl`-1a,+rt '1 J"'. III •ts 11.:::',7. J`F.:a-C1., ,'j 1'a , 1•':.da r ,.::', -„ ,1,:1 .n 1t-e-1 :. J :,:9c K It, "Paym+m Du" a Payoff Amount? ". 411 ] 1 -n: the I d1:. - r rL Ih. .1 30.. t , FI: j-! . tf. t-„ t th:'. It, I:x sl ,:..,,. flow can my +ariaM+ Antenl Ptrce 4- It (A.PRr d-91? Ya 1 AM r1•A' n rrea,e ot ^e-1. v ..one M serer ".,n Hold i-i-s re t PUre?l i ?, l 'u•.:t?err e:?. TI lmd s41d, index is -6 tot l:l'us --m rer• m ;tt a.Pk(si. auau t I ok for o ccKl. f(• i. + ` D of F o1 the t t o'l M., dad. the,ahln help':.. Calte. - To you An I Pertemage Rate (API) Index which y-r rate, are tared u1t When your A-1 P.-M.q+Bate will d- T h:-!ir.l 3,,,t the ? I, _C . ,y 11 •• 4e-k..-3 W •. •v., I, Ay E TN if, f M,nItN F ?,p y iytll F,: i'J. Are m Add i t ssnuid with ma o m7 3 . t - ]': .1::] 1.1a.- ,, A:;. t- 1 )1'641 It 1!?, tF "I t;, Yli: 191 A' .J.,.-., -A :d,•. ..Al:.:a,: 1 .le.s to-1 .i., :.,l,i,, „t -: if 1.% .1.:-th:t Mr ,t,:--11 th-. t:.,1-,:dh, .::jhtz .. , What haPpem if -1 A-1 is Susvnded7 iu?lt.rd •r,U ,.:1t ,1 . ,::e 1 jr. v : trAr. .. .n]-: s,,, -I - It Jr •.:3 h•:s_., 1.. 4, Fry--A1!-_o•,. r,u n: it drcy u u. .1 Ibw do I MA, Pavmmts7 ";n:'- a 111 !r;3- 11. •:- t,y wt t,, r:•„•.:::f,::i :» Ili] , rj, k. F -'- ty ' k1j 1 -7'T; jit" 1Ni,t-.n t-?::k 1n1_: ,..: 1j1:.1I-FP• :..,-r n,,t r ,:,77,: r Vi-J'. ;, x:0;T ,.'..1 V, , :I 4iv-4.11,y: M. ,1 n t-:-:. :C:. ,5.:::),7, .. F•"+3: 11 C1-1 :;.,. n [:- ] f AN .- ;n - Ih. t,i fs 3 ..,. it, .3 V t•::'tn it x13 , f. , „I F''p. ,,:3 I .-n Do yun Vraa» Paper fhnks s an FLdlorlix Furds Transfer P- ,:ill r, y. ., 3' [ . .t. r,k }I 1 ,,,h - 1J., , .. F,, - - t S:.1 , ., ,m-i:4.. t, . t -n h- LT. ,::?1,,1 What it l file for R-lu,a,v? 11 -,i!I', V 1 ,M-- a'::: -1,1 :•1o'.;t 'x:.:.tG IT, L ,:.-.., 11 -t,1 ,1 r"1:.::1.J ,.... ,s, i,C.A ,..,1-.413 -. BIttIKs NIGHTS SENtatt"y -1 A,:'r,'. I,,., '.; 5ivv A--1, Wrest To Do It You Turk You Frd A Mistake 0. Y„ur Std-.t. , . tY..:. 1. -Va z,ft . t _.ly'U1 4 n lil-, j:,, u: the CdL:cMg LS,::r,lbu: it I?l C -. tn, ??d 1. h- :tl y_, d•. m-r'-::. :.Nil,] 't .der yo .I - .: .,q .h; •??: f - it is , :, i-r,k:•. _:,y. 1y)-r-rt 1 x 111 , itY ,-I IT 'It I`? Jty - tu1:7 .?. it I? it! v. r ,I •:td-,:: r ,,::1:,:., :F •yv: a!-q>or o.l h,t.. ::. P. 13:- i{ e.I t 1: 'u h s ..• E,t.1 -]:t:. 1 m I,.: ..-,! k At. l r ,,.. ,,..,d :: a., 2,n r- ...I A1,;:. 7- -. ,A ,,.. t, F.. a. ,.u - _,. J:- A :•,:: F.• :tl I, m. 1 . :.0,t' Your Right, If Y- A. Dissatisfied With Y.ur Otdit Card Purd,a,es.:1 ,u ai- :!::,l-l:-3 [h r'1- vi ?? .nt, h h- Mti 3 3 h ri,-,] 1 r. tt'1-h,II,,,. ,n. th J-, ,.. F,y .,, 'init'j .!heF J1, .zhl lla,,'. ?•:. .n„nj st h< ; ,-: 1- '1;,e . ] '. ]a 17 t r the p. n n, - r.,L .. .irn :,.?n ,h ,Tni : liry h ITT __: Al : .r, .. ih[A In tY pu r,:..l o: ALh Mra,G ,. .,, I-AAi?l ,,att•t, F:, r. ,.,.. 1B? rot =i 9 k:- IT ?41 1. .STi:. j,t,R1-:,: q:Fy d xy o[9 'e b,,a.i . Nr-: ktn, - 1J.Ik?jlll IN ,r- x,3s-:, ,F ': Ck" I, ly It -4 .l' -.1, .1:. Fr .1- To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions 200666 CD Now that your account is 7 payments past due, the changes detailed below will apply to your account. Hopefully, these changes will make it easier for you to take control of your finances again. CaPitajtJlV_ Your balance is still due and you'll be contacted soon to discuss options for resolving your debt. You are responsible for paying the full balance on your account as well as any associated collections expenses as provided in your customer agreement, unless the law where you reside does not allow us to collect such expenses. If we continue to send you statements, you'll now receive them quarterly instead of monthly. We may continue to report the status of your account to the credit bureaus, unless prohibited by law. We will also report when your account is paid off. Help is available. We understand that it can be challenging to manage your finances. Here are three important facts about your account that may help make it easier for you to repay your balance. 1) Highest interest balances are paid first: You will no longer be charged past due, over limit, or membership fees. 2) No more compound interest: Future interest charges will never accrue interest-making it easier to pay down your debt faster. 3) Regular payments will resolve your debt: Since your interest doesn't compound, making regular payments will get your balance paid. Call 1-800-258-9319 to discuss your options. If a third-party agency is already managing your account, your call will be automatically routed to them. Remember, you can check your balance and make payments online any time at www.capitalone.comisolutions. W Help is available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance, make a payment and answer any questions you may have. 0 2071 ( spiral Ow. (. spiral One it a frdrrally rrgi o7rd rmytrr mark. All rights mwmed. 01 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. Cav?- Pagel of 1--? - _- Customer Service 1-800-253-9319 Sep. 06 - Dec. 04, 2011 i www.capitalone.com/solutions VISA PLATINUM 4962-36263545.9046 IMPORTANT ACCOUNT UPDATES NEW BALANCE PAYMENT DUE DUE DATE Yoe,, filll b.ia"ce k dux. Any payment you In;rke will reduce your balame and help Pay crft yoga debt taster. The.-,-r4 ym owe -y $7,964.31 57,964.31 Past Due dAFer "rt y--vc mterrci iron a separate paprent agreerrl>t. Available Credit: 50.00 Previous Balance Payments and Credits Fees Interest Charged New Balance 57,669.64 - W.00 + I 50.00 j + 5274.67 I = I 57,964.31 -------- --- - ------------- - - - ----- - - ------ ---------- ------ ----- -- - - - - --- ----- - -- ----- ------------ ---------------- I,TRANSACTIONS - ----- _----- i PAYMENTS, CREDITS & ADJUSTMENTS FOR LISA WARNER #9046 -1 j FEES Lttal Lees This Period so CIO j INTEREST CHARGED 1 03 SLP N ^REST CN1+.RGE S6.17 2 03oU INTERESTCHkRGE 592,59 j 3 08NOV NTcRESiCN1kRGE 59'i67 i 4 04 DEC ;N :RrST CHkRGE 530.24 Total !nlerest ?his Period 5274,67 i r TOTALS YEAR TO DATE Total Yes This Year S24S.OO i I Total Interest This 'fear 51,226.00 j j i i j Help is Available. Just pick up the phone. Call 1-800-258-9319 and a Specially trained agen( 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 accourd. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) to Interest Rate Interest Eearinct 14650% 57.689-12 I S274 67 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVVW.CAPITALONE.COMISOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 4862362635459046 04 7964310000007964314 Account Number: 4862-3626-3545-9046 Due Date New Balance Amount Enclosed Past Due $7,964.31 I 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. LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2001 Capital One Bank (USA), N.A. P-0. BOX 71063 CHARLOTTE, NC 28272-1083 rlllllrlr'1'IIILIIIIIIIIIIIIJrlrlrlllllr"Illrlrlrrllrll'ILIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this Coupon in the enclosed envelope. No, k the IraercY Charge agdied ? -,: , :1t- ,l m Hon, did you Calmlate dle IrrWeY (Cha d,-J t, i? 1,11 1- t.'-1: „F,', '.: -,'F ??i all :,a .hx3'.:• A'Fh,-,-.. 1 , -t,. . F- w.. dle Vey ,t I) a P 14 An tnd 7 N a -.1 "• :-1 h'-;11 t . I:rt- i m 1 ht h I 1) ., 1 v:u n I,, 1r. ,`:.a .--•. Are there Additional Res...mated ruith rrry act ,- r:..i. - , Ill. t --- ...... 11 r...1 e a :.. .-1 p. :1 ,1 ., 2 t, I't Mon It. l Maly Davner. 2 -,Ert,: a •ill t- -J.Z:JU , -"_ot ,r m- , m J. a. A _,- d- _,a:a: , A,li n :?I,t-n>::t .a-:, t . .. At.,, ..,il ; is t r,p: 'd• I: Do you Pmcass Paper Checb as an Eleriro lic Ful Transfer 7 u Wlvt M l file for Bsknumun 71!s',r,,. [ J r,, , ,, A -7y -.11) k:. t, .:''11 l L k ., s : •; Ji "y 'I KILL ING KIGHFS SUMMARY :0- 1r-.4 a,-4, io 1-r:.0: 4--,5 Aic- L. What To1). It You Think You Find A Mistake On Y.. ttaternerr..! T.u i, ,..,._,.. ?'G 1 -r, 'v .,. r,tl ,x. ma,kU r , ?, q....._ .h1t ,.oL.l-•?. i? 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To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions 0' (?t Take control of your finances today! Call 1-800-258-9319 to get up-to-date information about your account and make payments. It's not too late. Call now to get started. Pagel of I Customer Service 1-500-258-9319 www.capitalone.com/solutions t)ec. 05 -Mar. D4, 2012 I VISA PLATINUM 4862-3626-3545-9046 IMPORTANT ACCOUNT UPDATES NEW BALANCE PAYMENT DUE DUE DATE boo full 6atance is doe. Any paynreru yin m,#e will recurs your balance and help pay riff you debt Faster. The -mr4 yoo mw rrey $7,689.64 57,689.64 Past Due ditter'd you've entered iron d setpararc Fap!ent agrreyreau. Available Credit: 50.00 Previous Balance Payments and Credits Fees Interest Charged New Balance ---- F 57,964.31 1 - ---- 5398.11 + ( 50.00 I + S123,44 = I S7,69.9.64 CTRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR LISA WARNER #9046 1 29 JAN 'NiERESTCHARGEAvIUSIMEW 1S39811i FEES Tnlal FepS This Period 50.00 INTEREST CHARGED 1 04 JAN :YTERESi CHl•.RGE S93.67 2 14 JAN tNTcREST CHARGE S2737 Tnt-alintereaThis Period 5123.44 TOTALS YEAR TO DATE Total reel This Year SO.GO Total Interest This Year 5123.44 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained ages! will be happy to help you check your balance and -lake payments. INTEREST CHARGE CALCULATION 'four 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 Inteies[ Bearing 14.650% 57,688.67 I 5123,44 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SOLUTiONS TO MAKE YOUR PAYMENT ONLINE 1 4862362635459046 04 7689640000007689642 Account Number: 4862-3626-3545-9046 Due Date New Balance Amount Enclosed F Past Due $7,689.64 ---- LISA WARNER 305 RAVEN CT MECHANICSBURG, PA 17050-2001 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. Capital One Bank (USA), N-A P.O. BOX 71083 CHARLOTTE, NC 28272-1083 .IIIII'1"I'IIII,Illlll111111rlrlrl'lllll"'III'I'I"llrllrII-III Please make dtedcs payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Nor:11th,IM114 Charu, appk.d?I:ti-r..-t-r-j-'.A-Att., It .c,n r. J-,.:.h=s, ,1 :F.,:- Jn,!:..a J,.%,,..h•.. .,7. I.. .. ,r I - t h, ,. ... 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Ynur Rights It You Ar, IN%AM,d With Ywr C,edi Card N-h-.'. ,- -3:-A4i-7 s: r. •h T .':, . ,,,. h,+'-., .:-.:J. h -Ci_•J h,t i:. j_,j ,. t, h l-,:.1'.r rmh m- sh-s:. 3..-:iTr I ;1: t-• 1-n •1.11 J1 TO T" V,-wn.. 0.1!i ?it!, FIT, I:Fr.j.u.t-l•: c•: N'!u ,.h,s=.a=J ]¢P-I:::h,-- .IT - ' s.+ ,iv- ..,445,, vah Y.1-',T , Jt a .. . ,tiruhjlm^. 1.117 Ft-t, *ir.. LF[jI P. E -,n k 1, T •.sm... ...i?:.Y "'4F,.; .h .'r:,t- •]-k,•c. utt-r r,- :;I=e,?. ?--:x:r -Lit, -11 ? 11 I'V nll: h ...r,..]- To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions EXHIBIT C Capital One" Customer Agreement Welcome to Capital One Thank you for opening a credit Card Account with us. This Customer Agreement (`Agreement") contains the terms for your Capital One credit Card. Some Definitions. The meanings of the terms you see in italics appear in the Glossary Section. To make the Agreement easy to understand, we will also use the following personal pronouns: "You," "your" and "yourself" mean each applicant and co- applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. It also includes an Authorized User as defined in the Glossary Section. "We," "us," "our" and "Capital One" mean Capital One Bank (USA), National Association; and its agents, authorized representatives, successors, and assignees. Account Documents. Your Account with us is governed by the following documents: (1) this document; (2) all Statements; (3) all rewards information and documentation if your Account has rewards; (4) an Privacy Notices describing our limitations on sharing infyormation 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 otter, your previously disclosed terms will still apply except as modified by the offer. Account Information. We need information about you to manage your Account. The information we need includes: (1) your legal name; (2) a valid U.S. mailing address and residential address (if different); (3) your date of birth; (4) your social security number or other government identification number; (5) your telephone number(s); and (6) your employment and income information. You must tell us when this information changes. Please update your address in the manner provided on your Statement. You may also update some of this information by logging onto your Account on our website or by calling one of our representatives at the telephone number provided on your Statement or on the back of your Card. We may require you to provide additional documents that are acceptable to us to verify this information or any changes. We maintain the right to restrict or close your Account if your information cannot be verified or if you do not provide additional information as requested. Credit Limits. When you open your Account, you will receive your credit limits. These will also appear on your Statements. We might also refer to your credit limits as your credit lines. We may give you different credit limits for the different Segments of your Account. For example, you might have a different credit limit for purchases than for Cash Advances. You are responsible for keeping track of your Account balances and your available credit limits. Do not allow your Account to go over any credit limit even if you have authorized us to charge you an overlimit Fee for doing so, as described in the Interest Charges and Fees section. We may still honor transactions above your credit limits, but our honoring of these transactions will not increase your credit limit. We may also increase, decrease, restrict or cancel your credit limit on any Segment at any time. This will not affect your obligation to pay us. Using Your Account. You promise to follow the terms of this Agreement as long as your Account remains open or has a balance. Please sign the Card immediately when you receive it. The Card is valid during the dates provided on the front. The Card is our property and you will return it to us or destroy it if we ask. You will take reasonable steps to prevent the unauthorized use of your Card and Account. We are not responsible if anyone refuses to accept your Card for any reason. Also, we may reject any transaction for any reason. Unless we tell you otherwise, we will bill each transaction to the applicable Segment of your Account and apply it against your available credit limit for the Account and Card for that Segment in each Billing Cycle. You may also obtain Cash Advances and Transfers if they are permitted for your Account. Unless we agree, you may not use a Transfer to transfer amounts from other Accounts with us or any other company within the Capital One organization. You must not use, or try to use, the Card for any Internet gambling transactions or transactions that are illegal or not permitted by us. You will still be responsible if you do. In addition, these transactions will be subject to this Agreement, and you might have to reimburse the Payment Card Network and us for all damages and expenses. From time to time, due to circumstances beyond our control (such as system failures, fires, floods, natural disasters or other unpredictable events) our services might be unavailable. When this happens, you might be unable to use your Card or obtain information about your Account. We will not be responsible or liable if this happens. Rewards. Your Account might provide you with the opportunity to earn rewards. If it does, we will separately provide you with all information and terms about your rewards. We will include on your Statements all rewards you have earned. It might take up to two Billing Cycles for your earned rewards to appear on your Statement. Using Your Access Checks. When we provide you with Access Checks, we will tell you whether we will treat them as purchases, Balance Transfers, Cash Advances or Special Transfers. Only the person we designate may use Access Checks. Access Checks may not be used to pay any amount you owe us or any other company within the Capital One organization. We may reject and not pay any Access Check for any reason. Some examples of reasons why we may reject and not pay include: your Account is delinquent, charged-off, bankrupt, lost/stolen or closed; our fraud system prevents the offer fulfillment; your Account 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 they allow to use your Card or Account. This will be true even if you did not want, or agree to, the use. Removing an Authorized User. If you want to remove an Authorized User from the Account, you must contact us as provided on your Statement and request their removal. We will have a reasonable amount of time after your request to research the situation and remove them. You also must immediately destroy all Cards in their possession and cancel all of their billing arrangements to the Account. We will not do this for you. During this time, you still will be responsible for all amounts they charge to the Account. You will be responsible even if these amounts do not appear on the Account until later. An Authorized User may remove themselves from the Account upon request. We may close your existing Account and/or issue a new Card with a new Account number. Your Promise to Pay. You promise individually and jointly to pay us all amounts due on your Account. This includes amounts where you did not sign a purchase slip or other documents for the transaction. If you use your Card number without presenting your actual Card (such as for mail, telephone or Internet purchases), this will be treated the same way as if you used the Card in person. If you let someone else use your Card, you are responsible for all transactions that person makes. Your promise to pay us will apply to your estate if you die. Statements. We will send you one Statement for all Cards on your Account unless the law does not require or permit us to send a Statement. Statements will be sent at the end of each Billing Cycle when your Account has a debit or credit balance of more than $1.00, or if we have charged any Interest Charges to your Account. Your Statement will show all transactions billed to your Account during the Billing Cycle along with other important Account information. Disputed Transactions. You must inspect each Statement you receive and tell us about any errors or questions you have as described in the "Billing Rights Summary" part of your Statement and other Truth in Lending Disclosures. If you do not notify us as provided in those disclosures, we may assume that all information in the Statement is correct. If you dispute a transaction made by you or someone else on your Account, and we later credit your Account for all or part of the disputed amount, you give us all of your rights against that other person. You also will: (1) give us any merchandise or other purchases you received in connection with the disputed amount if we ask; (2) not pursue any claim or reimbursement from the merchant and that other person; and (3) help us pursue and get reimbursement from the merchant and that other person; your help includes giving us documents that we ask for and that are acceptable to us. Interest Charges and Fees. We will charge Interest Charges and Fees to your Account as disclosed to you in your Statements and other Truth in Lending Disclosures. In general, Interest Charges begin to accrue from the day a transaction occurs. However, we will not charge you interest on any new balances posted to the purchase Segment of your Account provided you have paid your previous balance in full by the due date. We will treat the following Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if they are provided in your Truth in Lending Disclosures. We may increase your Interest Charges and Fees as described in the Changes to Your Agreement section or in your Truth in Lending Disclosures. • Membership Fee. We may charge you this Fee as early as your first Billing Cycle or the first Billing Cycle after this fee becomes effective. if it is an annual Fee, we may then charge it approximately once per year. If it is a monthly Fee, we may charge it once in each Billing Cycle. This Fee is payable in advance even if you do not use your Account. • Late Payment Fee_ We may charge you this Fee if we do not receive your payment in time for us to credit it by the due date shown on your Statement. • Overlimit Fee. If you agree, we may charge you this Fee when a transaction causes you to go over or remain over any of your credit limits during any Billing Cycle. We may also charge you two additional Fees if your balance remains over your credit limits as of the payment due date in future Billing Cycles. You will only pay one Fee per Billing Cycle, even if you go over your limit multiple times in the same cycle. • Returned Payment Fee. We may charge you this Fee each time any payment you make to us is not paid by your financial institution for any reason, even if that institution later pays it. • Returned Access Check Fee. We may charge you this Fee if we do not pay an Access Check for any reason, including when your Account is in default, overlimit, suspended or closed. • Stop Payment Fee. We may charge you this Fee each time you request us to stop payment on an Access Check or you renew an existing stop payment order as provided in the Stopping Payment of Access Checks section. • Copying Fee. We may charge you a per-page Fee for copies of transaction documents or Statements unless they are required in resolving a billing dispute. • Cash Advance Fee. We may charge you this Fee each time you obtain a Cash Advance. This Fee will be treated as a Cash Advance transaction. • Transfer Fee. We may charge you this Fee each time you obtain a Transfer. This Fee will be treated either as a Special Transfer or purchase transaction depending on the Segment 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 merchant sends us your refund. We will also have a reasonabl 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 du date provided in the Statement. If you have agreed to incur Fe 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 you paid greater than the minimum on the previous Statemen We will continue to charge Interest Charges during Billing Cya when you carry a balance regardless of whether your Stateme? includes a minimum payment that is due. If your Account is 1 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 payment! with funds from your Account or any other credit account wit us or any other company within the Capital One organization. Mailed Payments. You must mail payments to us at the address provided or Statement or as otherwise instructed by us or our agents. will credit it to your Account on the day we receive it, if: (1) you send the payment coupon included with your Statem 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 conforn to the above requirements will not be treated as late. Please allow at least 7 days for postal delivery. Unless we or of agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any ott 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 the 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 pa men' services is rejected or not paid. Even if it is, we may still keep Fee. If you give your Account number or other Account informatio 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. Sox 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 yourAccount, our options appear in our original offer materials when you opened yourAccount. Remember, payingg 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 yourAccount are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. Unless the law says we cannot, we may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose. When you give us or we obtain your mobile telephone number, we may contact you at this number using an Autodialer and can also leave prerecorded and other messages. We may do these things whether we contact you or you contact us. If you ask us to discuss your Account with someone else, you must provide us with documents that we ask for and that are acceptable to us. Credit Reports. We may provide information about you and the Account to consumer (credit) reporting agencies and others as provided in our Privacy Notices. Information we provide might appear on our and the Authorize Users' credit reports. This could include negative information if you do not comply with the terms of this Agreement. We may obtain and use credit and income information about you from consumer (credit) reporting agencies and others as the law allows. Closing or Suspending Your Account. You may ask us to close your Account by calling or writing us as described on your Statement. Your Statement will provide additional information about this process, and we may also separately provide you with additional details after your request. This might include payment information. If you use your Card or charges post to your Account after you ask us to close it, we may keep it open or reopen it. We may close or suspend your Account and your right to obtain credit from us. We may do this at any time and for any reason, permitted by law, even if you are not in default. A suspension of your Account might be permanent or temporary. If your Account is closed or suspended for any reason, you must stop using your Card. You must also cancel all billing arrangements to the Account. We will not do this for you. If we close or permanently suspend your Account, you must also destroy all Cards. You must still pay us all amounts you owe on the Account, even if they are charged after your Account is closed or suspended. Lost or Stolen Card. You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your Card is lost or stolen or if someone else might be using it without your permission, you must tell us at once. You may tell us by calling the telephone number on the back of your Card or on your Statement or by writing us at the address on your Statement. You will not be responsible for charges made to your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made using your Card, you will help us investigate, pursue and get reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are acceptable to us. Changes to Your Agreement. At any time, we may add, delete or change any term of this Agreement unless the law prohibits us from doing so. We will give you notice of any changes as required by law. If we do notify you of changes, we will send you a separate notice or inform you on your Statement. We may send this notice to you electronically as permitted by law. Our notice will tell you when and how the changes will take effect and describe any rights you have in connection with the changes. Your variable Annual Percentage Rates (if applicable) can go up or down as the index for the rate goes up or down. If we increase your Interest Charges for any other reason we will notify you in writing. If we increase your Fees or other terms of your Account we will notify you in writing and inform you of your options in advance, including the right to opt out of some of these changes. We may increase your interest Charges for new transactions and your Fees after the first year of the Account. Also, if your payment is not received within 60 days after the payment due date, we may increase your Interest Charges and Fees for existing balances and new transactions at 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 an 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 Ionger 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 s 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. aA ter, * 2010 t apital oree -pital 7ru is a `e __talty rogiistgrj seruce mart all tiaras resprww. R'V600157 M-99488 BR165892 COr ruskunm jrxrnnr rim I • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A., CIVIL DIVISION Plaintiff VS. LISA WARNER, NO: 12-3759 Defendant CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that I caused a true and correct copy Plaintiff's Complaint was served via first class United States Mail, postage prepaid on the set forth below upon the following: LISA WARNER 8 MATTHEW CT CARLISLE PA 17015-4364 Edwin A. Abrahamsen & Associates, P.C. Date: July 2, 2012 Michael F. Ratchfe Attorney I.D. Nos.: 120 N Keyser Ave Scranton, PA 185( (570) 558-5510 85 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. CIVIL DIVISION , Plaintiff ? rr r _ vs. ` G: LISA WARNER r_ +µ; 116 MI-AL,S DR ? r `? NO: 12-3759 :-, - CARLISLE PA 17015-4364 -- ?? Defendant PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO THE CLERK OF JUDICIAL, RECORDS: Kindly enter judgment by default for failure to respond to PlaintifFs Complaint in the amount of $7.689.64. Notice of the intent to file a default judgment was served upon the Defendant on December 06, 2012. A copy of the Notice of Intent to Take Default Judgment is attached hereto and marked Exhibit "A." Edwin A4Abrahamsen & A., ciatest P.C. Attorney I.D. No.: 86285 Attorney for Plaintiff / JUDGMENT AND NOW, this. ol e day of ?aR , 2013, Judgment is hereby entered in favor of the Plaintiff, CAPITAL ONE BANK (USA), N.A. and against the Defendant, LISA WARNER in the amount of $7,689.64 for failure to respond to Plaintiff's Complaint. PROTHONOTARY J. #1L.5d PQ ATr/ CIP x5801 e?a8s?98 ? ,? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITA1, CNF 13ANK (USA), N.A. b's. LISA WARNER 1 16 MEALS DR CARLISLE PA 1 70 1 5-4364 Plaintiff CIVIL DIVISION : NO: 12-3759 Defendant CERTIFICATE OF SERVICE 1, Michael F. Ratchford, Esquire, hereby certify that on the date indicated below. I served a copy of the Praccipe for Entry of Default Judgment in the above captioned matter by mailing the same via Fast Class United States mail, postage prepaid addressed as folloxvs: 1,1SA WARNER 116 MEALS DR CARLISLE PA 17015-4364 Date: January 25. 2013 Edwin A. Abrahamsen & Associates, P Michael F. Ratchford, Attorney I.D. No.: 86., 120 N. Keyser Avenu Scranton, PA 18504 (570) 558-5510 CAN] AL (-)NI -BANK (USA), N.A. Plaintiff In the Court of Common Pleas of CUMBERLAND County, Pennsylvania Civil Division vs. LISA WARNER 116 MEALS DR CARLISLE PA 17015-4364 NO: 12-3759 Defendant AFFIDAVIT UNDER SOLDIERS AND SAILORS RELIEF CIVIL RELIEF ACT OF 1940 AS AMENDED State of Pennsylvania County of CUMBERLAND SS: Michael F. Ratchford. Esquire being duly sworn according to law deposes and says that the above named defendant(s): LISA WARNER is(are) not in the military service of the United States of America as defined by the Soldiers' and Sailors' Civil Relief .Act of 1940 as amended; Yhat the defendant(s): LISA WARNER is(are) older than eighteen years of age; That the employment status of the defendant(s): LISA WARNER is(are) unknown. Subscribed before me this day of 20 ti? V Notary Public E IANIN A. 4RRAH AMsm MICHAEL F: RATCHFORD NINA ME?IICHELU THE LAW OFFICE. OF WWW.EAA=IAW.COM December 7, 2012 LISA WARNER 8 MATI'IfEW CT CARLISLE PA 17015-4364 Re: CAPITAL ONE BANK (USA), N.A. v. LISA WARNER CUMBERLAND County Civil Action No.:12-3759 Our file No.: NAI20933/AFS Dear LISA WARNER: Enclosed, please find the Ten Day Notice of Intent to Take Default in regard to the above- noted matter. Please act accordingly. If you have any questions or wish to discuss your outstanding account, please contact me at (570) 558-5510. Edwin A. Abrahamsen & Associates. RMichae Enclosure This is a communication from a debt collector in an attempt to collect a debt. Any information will be used for that purpose- 120 N KEYSER AVE SCRANTON, PA 18504 (P)570.558.5510 (F) 570.558.5511 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. : CIVIL ACTION Plaintiff vs. LISA WARNER : NO: 12-3759 Defendant TEN DAY NOTICE OF INTENT TO TAKE DEFAULT .I UDGMENT To: LISA WARNER 8 MATTHEW CT CARLISLE PA 1 70 1 5-4 3 64 Date of Notice: December 7. 2012 IMPORTANT NOTICE PURSUANT TO PA R C P 237 1(a)(2) YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER AN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. Plaintiff vs. CIVIL ACTION LISA WARNER : NO: 12-3759 Defendant CERIFICATE OF SERVICE 1, Michael F. Ratchford, Esquire, hereby certify that on December 7, 2012 1 served a copy of the Ten Day Notice of Intent to "fake Default in the above captioned matter by mailing the same via First Class United States mail, postage prepaid addressed as follows: LISA WARNER 8 MATTHEW CT CARLISLE PA 17015-4364 Edwin A. Abrahamsen & Associates, P.C. "BYE `'///V Michael atchI d, E ui Attorney I.D. No.: 862 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 Department of Defense Manpower Data Center Status R i 1, Pursuant to Servicememlers Civil Relief Act Last Name: WARNER First Name: LISA Middle Name: Active Duty Status As Of: Jan-25-2013 Results as of : Jan-25-2013 07:46:39 SCRA 2.3 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA - No NA This response reflects the individuals' active duty status based on the Active Duty Status Date Left Active Duty Wiiltm 367 Days of Active Duty Status Date " Active Duty. Start Date Active Dt* End Date Status Setvice Component NA NA No NA This response reflects where the individual left active duty stakm wiltwn 367 days preceding the Active Duty Status Date The Member or HiarFier Unit Was Noulied of a Future Call-Up to Active Duty on Active Duly status Date Order Notification Start Data Order tJotifration End Date Status Service Component NA NA No NA This response reflects whether the individual or h-ber unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely-Dixon, Director Department of Defense Manpower Data Center 4800 Mark Center Drive. Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PC09SLDR.htmi, If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARS), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service cr the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have riot actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: PFHOOUGN27 CAI'l -I AL ONE: BANK (USA), N.A In the Court of Common Pleas of Plaintiff CUMBERLAND County, Pennsylvania Civil Division Va. USA WARNER 116 MEALS DR CARLISLE PA 17015-4364 NO: 12-3759 Defendant NOTICE OF FILING JUDGMENT Notice is hereby given that a money judgment in the above-captioned matter h been entered against you in the amount of $??_(a? - --- -- --- on ---- /- ------ BV.- If you have any questions regarding this notice, please contact the filing party: Edwin A. Abrahamsen & Associates 120 N. Keyser Avenue Scranton, PA 18504 Telephone: (570)-558-5510 (Notice is given in accordance with PA Supreme Court Rule of Civil Procedure No. 236) PRAECIPE FOR WRIT OF EXECUTION—(MONEY JUDGMENT)RULES PA.R.C.P.3252,3111 (a) CAPITAL ONE B_ANK(USA),N.A. In the Court of Common Pleas of , "Plaintiff CUMBERLAND County,Pennsylvania Civil Division Co rq-�' VS. t LISA WARNER 116 MEALS DR NO: 12-3759 CARLISLE PA 17015-4364 =a C�c Defendant N ---V ro vs. PRAECIPE FOR WRIT OF EXECUTION AND ATTACHMENT PNC BANK 331 BRIDGE ST NEW CUMBERLAND,PA 17070 Garnishee (MONEY JUDGMENT) To the Prothonotary:TO SATISFY THE JUDGMENT,ISSUE WRIT OF EXECUTON IN THE ABOVE MATTER (1) Directed to the Sheriff of CUMBERLAND County,Pennsylvania; (2) Against:LISA WARNER (3) And against:PNC BANK 331 BRIDGE ST NEW CUMBERLAND,PA 17070 (4) and index this writ(a)against Defendant(s)(b)against PNC BANK 331 BRIDGE ST NEW CUMBERLAND,PA 17070 Garnishee(s), as a lis pendens against the real property of the defendant(s)in the name of the Garnishee(s),any and all accounts of the defendant(s),in the possession of Garnishee,including but not limited to savings account balances;checking account balances;Certificates of Deposit;Money Market Accounts;contents of Safety Deposit Boxes.Defendant's SSN(s): ***-**-2428; (5) Judgment Amount $7.689.64 Interest $.00 Payments $ Clerks Fee $ Sheriff $ Poundage $ Total $ Date:April 12,2013 �'� \ n chael ateh ord, Es ire L` Vl Edwin A.Abrahamson& ssociates,P.C. Attorney for Plaintiff mratchford @eaa-law.c m i�Q - G� lc u 1 qq. a a.as ►fie 4�, WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 12-3759 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CAPITAL ONE BANK(USA)N.A.Plaintiff(s) From LISA WARNER, 116 MEALS DRIVE,CARLISLE,PA 17015-4364 (l) You are directed to levy upon the property of the defendant(s)and to sell You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: PNC BANK,331 BRIDGE STREET,NEW CUMBERLAND,PA 17070,ANY AND ALL ACCOUNTS OF THE DEFENDANT(S),IN THE POSSESSION OF THE GARNISHEE, INCLUDING BUT NOT LIMITED TO SAVINGS ACCOUNT BALANCES; CHECKING ACCOUNT BALANCES; CERTIFICATES OF DEPOSIT; MONEY MARKET ACCOUNTS; CONTENTS OF SAFETY DEPOSIT BOXES. and to notify the garnishee(s)that: (a)an attachment has been issued;(b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s) and from delivering any property of the defendant(s)or otherwise disposing thereof; (2) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due$7,689.64 Plaintiff Paid$ Interest Attorney's Comm. % Law Library$.50 Attorney Paid$149.`00 Due Prothonotary$2.25 Other Costs$ Date:May 10,2013 14Wdt�C`1�J �A.' r, David D.Buell,Prothonotary t ` Deputy REQUESTING PARTY: Name: MICHAEL F.RATCHFORD,ESQUIRE Address:EDWIN A.ABRAHAMSEN&ASSOCIATES,P.C. 120 N.KEYSER AVENUE SCRANTON,PA 18504 Attorney for: PLAINTIFF Telephone: 570-558-5510 Supreme Court ID No. X CAPITAL ONE BANK(USA),N.A. In the Court of Common Pleas of Plaintiff CUMBERLAND County,Pennsylvania Civil Division vs. LISA WARNER 116 MEALS DR NO: 12-3759 CARLISLE PA 17015-4364 Defendant' cx� vs. , �-- PNC BANK rp 331 BRIDGE ST: Ca '0 ca-� NEW CUMBERLAND ,PA. 17070 Zo r1a Garnishee Praecipe for Entry of Appearance Kindly enter my appearance on behalf of CAPITAL ONE BANK(USA),N.A. in the above- captioned matter. Date:April 12,2013 Signatur Print e: Michael F.Ratchf d Esquire Address: 120 North Ke ser Av nue Scranton PA 1850 Telephone No: 570 558-5 M 0 Ext. 120 Supreme Court ID No: 862k5 CAPITAL ONE BANK(USA),N.A. In the Court of Common Pleas of Plaintiff CUMBERLAND County,Pennsylvania Civil Division vs. LISA WARNER 116 MEALS DR NO: 12-3759 CARLISLE PA 17015-4364 Defendant `4 Praecipe to Dissolve the Attachment m vs. Garnishee -' r-n rr PNC BANK `°' �y --- 331 BRI.DGE ST = A NEW CUMBERLAND , PA 17070 CD CD Garnishee -i To the Prothonotary of CUMBERLAND County Pennsylvania: Please enter the above Praecipe to Dissolve the Attachment against Garnishee. Thank you, Michael F. Ratch rd, Esquire Edwin A. Abra msen&Associates, P.C. Lawyer ID # 8 85 CL* Salo ?`� SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson t i THE PRO THDNU , A, Sheriff Jody S Smith xx x t r,a� eft 2013 JUN 2 I AM 10: 32 Chief Deputy , . Richard W Stewart CUMBERLAND COUNTY Solicitor = f PENNSYLVANIA Capital One Bank(USA) N.A. Case Number vs. 2012-3759 Lisa Warner SHERIFF'S RETURN OF SERVICE 05/17/2013 10:11 AM -William Cline, Deputy,who being duly sworn according to law, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the Defendant, in the hands, possession, or control of the within named garnishee, PNC Bank, 105 Noble Blvd, Carlisle Borough, Carlisle, PA 17013, Cumberland County, by handing to Tyler Negley, Customer Service Associate, personally three copies of interrogatories together with three true and attested copies of the Writ of Execution and made the contents there of known to him. The writ of execution and notice to defendant was mailed on May 20, 2013 to Lisa Warner at 116 Meals Drive, Carlisle, PA 17015. SHERIFF COST: $86.53 SO ANSWERS, June 20, 2013 RONR ANDERSON, SHERIFF c Aso;+. • • SHERIFF'S OFFICE OF.CUMBERLAND COUNTY RonnyRAnderson F. EE)-OFFICL Sheriff 1' �ral�Lcrf� i it THE PR0THcNO BAR i Jody S Smith Chief Deputy "� 3013 DEC -9 PM 3: 14 1 Richard W Stewart t;4.7 CUMBERLAND COUNTY Solicitor OF-FICE OF L' K=R'Fr PENNSYLVANIA Capital One Bank(USA) N.A. Case Number vs. Lisa Warner 2012-3759 SHERIFF'S RETURN OF SERVICE 05/17/2013 10:11 AM-William Cline, Deputy, who being duly sworn according to law, attached as herein commanded all goods, chattels, rights, debts, credits, and monies of the Defendant, in the hands, possession, or control of the within named garnishee, PNC Bank, 105 Noble Blvd, Carlisle Borough, Carlisle, PA 17013, Cumberland County, by handing to Tyler Negley, Customer Service Associate, personally three copies of interrogatories together with three true and attested copies of the Writ of Execution and made the contents there of known to him. The writ of execution and notice to defendant was mailed on May 20, 2013 to Lisa Warner at 116 Meals Drive, Carlisle, PA 17015. 12/06/2013 Ronny R.Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is returned as ABANDONED. No action on writ in over 6 months. SHERIFF COST: $89.19 SO ANSWERS, • December 06, 2013 RON R ANDERSON, SHERIFF P--// (c)Coun:tySuite Sheriff,Teleosoft,Inc. WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) NO 12-3759 Civil COUNTY OF CUMBERLAND) CIVIL ACTION—LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due CAPITAL ONE BANK(USA)N.A.Plaintiff(s) From LISA WARNER, 116 MEALS DRIVE,CARLISLE,PA 17015-4364 (1) You are directed to levy upon the property of the defendant(s)and to sell You are also directed to attach the property of the defendant(s)not levied upon in the possession of GARNISHEE(S)as follows: PNC BANK,331 BRIDGE STREET,NEW CUMBERLAND,PA 17070,ANY AND ALL ACCOUNTS OF THE DEFENDANT(S),IN THE POSSESSION OF THE GARNISHEE, INCLUDING BUT NOT LIMITED TO SAVINGS ACCOUNT BALANCES; CHECKING ACCOUNT BALANCES; CERTIFICATES OF DEPOSIT; MONEY MARKET ACCOUNTS; CONTENTS OF SAFETY DEPOSIT BOXES. and to notify the garnishee(s)that: (a) an attachment has been issued; (b)the garnishee(s) is enjoined from paying any debt to or for the account of the defendant(s) and from delivering any property of the defendant(s)or otherwise disposing thereof; (2) If property of the defendant(s)not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee,you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due$7,689.64 Plaintiff Paid$ Interest Attorney's Comm. % Law Library$.50 Attorney Paid$149.:0© Due Prothonotary$2.25 Other Costs$ Date: May 10,2013 I t I _ David D. Buell,Prothonotary (St Ea l i Deputy REQUESTING PARTY: Name : MICHAEL F.RATCHFORD,ESQUIRE Address: EDWIN A. ABRAHAMSEN &ASSOCIATES,P.C. 120 N.KEYSER AVENUE SCRANTON,PA 18504 Attorney for:PLAINTIFF Telephone: 570-558-5510 Supreme Court ID No. TRUE COPY FROM RECORD In Testimony whereof, I here unto set my hand and the seal of said Court at Carlisle,Pa. This r.lo_dayof ,1 201 Prothonotary (""...-Att) kte 0. 10(.0&'° a l a