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Home My WebLink About12-4807 LAW OFFICES OF HAYT, HAY' & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 123 S. Broad Street Suite 1660 Philadelphia, PA 19109-1003 (215) 928-1400 OUR FILE 90. 422192 (CAPITAL ONE BANK (USA), N.A. 4851 COX ROAD GLEN ALLEN, VA 23060 Vs. HARRY R GOLDEN 139 VIRGINIA AVE CARLISLE PA 17013 r^. ! +t 7 ?f n rUMBERLAND COUNTY PENNSYLVANIA Attorney for Plaintiff CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION TERM. 6v(*1 No. 19- q dv( CIVIL ACTION "NOTICE "You have sued in court. N you wish to defend against the claims s 5 Z in the fogowing pages, you.. aJat take action vviMwn tvwnt 2 days after this complaint and notice are served, by entaring a appearance personally or by attorney and WV in writing the court your defenses or objections to the dsims set forth you. You are warted that if you fail to do so the case may without you and a judgment may be en- tered against by the court without Rather notice for any mon- ey daknsd In the or for any other claim or relief regued- ed by the piskutiff{ You may lose moray or property or other rights important to You.', IF YOU I,ANNO AFFORD TO FIRE A LAWYERTHIS OFFICE MAY BE ABLE TO PRO YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LIG SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO PEE CUMBERLAND,COUNTY BAR ASSOCIATION 32 S BEDFO?D STREET CARLISLE PA, 17013 800-990-9108 "AVISO "Le hen demandedo a usted on Is torte. Si usted quiere defenderse do eStas denwndas expussias on lore pdgines siguientes usted liens veldts (20) dies, de plazo al pack de la fech a de Is demanda y Is notilicaci6n. Hans fake asentar ua oornporencis escrka o on persons o con u? abogado y enbegar a is torte on forma escrita sue defansas o am objsciores a Iw derrwndes on contra de su persons. Sea avisado quo ai usled no se defisnds, Is come tonwri rtwdidas Y Pub oontimmr Is dernendo on contra soya Sin previo oviso o notitiOad6n. Ademis, is cafe puede d"Wir a favor del densndarke y requiem quo usted o unVM con Was IRS provisiorws de esto demands. Listed pus" perder di ero o am propisdedes u otros derechos knportsnt" pare uuted. "LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. 8INOTIENEABOGADO0SINO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRE=6N SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. aV-I 0.3. 9 CJ ff01, 12-4 00-7 S -1 ?z? CIVIL ACTION 1. Plaintiff CAPITAL ONE BANK (USA), N.A. is a business entity, with offices located at: 4851 COX ROAD, GLEN ALLEN, VA 23060. 2. Defendant(s) HARRY R GOLDEN is/are individual(s) residing at: 139 VIRGINIA AVE, CARLISLE, PA 17013. 3. Upon application by Defendant(s) a Credit/Revolving Charge Account was established for Defendant(s), which was assigned account number ************9129; a copy of the account Agreement is attached hereto, made a part of hereof, and marked Plaintiff's Exhibit "All. 4. Defendant(s) subsequently utilized the aforesaid account to make various purchases and/or receieve cash advances, thereby incurring payment obligations to Plaintiff and/or Plaintiff's predecessor in interest under the terms of The Agreement. 5. Defendant(s) defaulted upon The Agreement by failing to adhere to the repaym4nt terms contained therein, and in accordance therewith, the entire remaining balance became due and immediately payable. 6. Plaintiff's predecessor in interest assigned to the Plaintiff all of its 'right, title and interest in and to its account with Defendant(8) so that Plaintiff is now the owner of said account. 7. As a consequence of the foregoing there is presently due and owing to Plaintiff by Defendant(s) the following amounts: Unpaid Balance: Interest: $26,089.44 $.00 T 0 TAI; DUE : $26,089.44 8. Despite repeated demand by Plaintiff, Defendant(s) has/have failed and 'refused to pay the aforesaid sum. WHEREFORE,iPlaintiff demands that judgment be entered against Defendant(s) in favor of Plaintiff in the amount of $26,089.44 together with interest and costs. HAYT By: Attorney for Plaintiff 500250 Q 0 O • Spread too thin Paying bills takes a lot of time: writing checks, addressing envelopes, mailing letters. Get some time back each month with Capital One,, balance transfers. Consolidate your bills and higher-interest payments, maybe even save some money, and then spend your time relaxing, shopping or watching the game-instead of writing a lot of checks. Ready to transfer? See reverse to learn how. Cal 1-800-955-70M Previous Balance Payments 8 Credits FINANCE CHARGE Transactions New Balance Minimum Payment Due Date $7,100.12 - $825.00 + $86.61 + $334.71 = $6,696.44 $153.00 Dec. 08, 2008 Oct. 14, 2008 - Nov. 13, 2008 Page 1 of 1 •: Visa Signature Account 4147•0070d59e•9129 CA t! YourAccount Information REWARDS? TOTAL REVOLVING CREDIT LINE $30,000.00 TOTAL AVAILABLE REVOLVING c rat I I $23,303.56 CRE IT LINE FOR CASH $15,000.00 AVAIOBLE CREDIT FOR CASH $15:000.00 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $7,037.57 0.03970% D 14.49% $66.61 Cash $0.00 0.04397% D 15.05% $0.00 ANNUAL PERCENTAGE RATE applied this period- 14,49% ® t Your Service • Go to www,cwrabne.com to manage your aunt, Car 1-800-955-7070 ID repot a lost or stolon card or sieal(Eo CLslomer Relations ® I'ay Onllne at www.cs itabne.oom or mad your payment b: 2827W2-1083 One Balk (USA), N.A. • P.O. Box 710M • Chabtle, NO 2- A {Send Inquiries lo: tat Orw na? P P.O. Boz 30285 - Sat Lake Ory, UT 84130.0285 ® nags your Rewards online by visiting mmGtibstsaeods Cat 14f00-228-3001 ® )Have a question about a charge on your statement? ;Please refer to the Bung Rights Summary on the back of your statement or visit www.caoitalone.com/dlsoules PUKE PRr AT LEAST THIS AMOUNT Rewards Summa Previous available balance: 43,085 Earned this period: 335 (reflects transactions posted during this biting cycle) Available Balance: 43,420 Payments, Credits & Adiustments 1 07 NOV PAYMENT - $825.00- Transactions 2 06 NOV LOWES #01710' CARLISLE PA $257.56 3 08 NOV HOLIDAY INN CARLISLE PA $77.15 ARRIVE: 1 IAM8 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 6696440825000153002 Account Number: 4147-0970-5586-9129 Due Date. New Balance Minimum Payment Amount Enclosed Dec. 08, 2108) $6,696.44 $153.00 PLEASE PAYAT LEAST THIS AMOUNT N90?1928603155744# HARRYI R GOLDEN 1515 tOMMERCE AVE CARLISLE, PA 17015-9566 I•II"10111111'hII11,-IIIII-nil'•If IrrIIIII.IIIIIIIIII'1111111 Lend a hand. Save the land. Manage your account online today- it's fast, easy and secure. e Pay online anytime-no more checks, stamps or clutter. 0 Moving? Change your address online or on the back. I® Help save the planet-Go paperless. ® Sign up at www.capitalone.com. Capital One Bank (USA), N.A. P.O. Box 73083 Charlotte, NC 26272-3083 HIIIPrIII'-nhl'h'IIIInIrrllnh'rlhl'Ill'II"Ilhlhl'INI?j1Y'?l A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Get paid. Twice. Earn, a great 1.70% Annual Percentage Yield (APY) PLUS a 16% quarterly bonus on your interest earned with the all-new InterestPlus Online Savings account* • Great savings rate • 10% bonus on interest earned • Easy online transfers* Learn more and open online at capita lonedirect.com/saveB 'Please we reverse for important disclosures. 1070°%. 500328 MEMBER FDIC FINANCE Previous Balance Payments & Credits CHARGE Transactions New Balance Minimum Payment Due Date -,720.28 1- $650.00 + $344.95 + $88.77 -ff $22,504.00 II $569.00 ' (Dec, 08, 2009 -t Oct. 14, 2009 - Nov. 13, 2009 Page 1 of 1 ee. - -----------------?? PLEASE PAY AT (FAST THIS AMOUNT Visa Signature Account 4147-WO.55MO129 Your Account Information ?Nwf AARRDV TOTAL REVOLVING CREDIT LINE $30,000.00 TOTAL AVAILABLE REVOLVING CRT:T $7,496.00 CRE IT LINE FOR CASH $15,000.00 AVAILABLE CREDIT FOR CASH $7,496.00. ----- --i Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponcing FINANCE applied to rate APR CHARGE Purchases $22,690.61 0.04904% D 17.90% $344.95 Cash $0.00 0.06822% D 24.90% $0.00 ANNUAL. PERCENTAGE RATE applied this period: 17.90% At Your Service • Go to www.gttpbbnamm to manage your acwunt, Or Cat 1-W955.7070 to report a bst or Wien cad a speak to Customer Relations ( ay Orrlne at www.cacitabne.com a mai your payment to. ® rnpdel One Balk (USA), N.A. • P. 0. Boor 71OB3 • Charlotte, NC 28272-1083 A Send Inquiries tor: td Ones P.O. Box 30285 • Sal Lake City, UT 84130-0285 ® rage your Rewards Online by visiting Ys?erds gCat 1400-228-3001 ® Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.caDitalone.com/disputes Rewards Summary Previous available balance: 35,473 Earned this period: 89 (rethcls Iransections posted during this ding cycb) Available Balance- 35,562 Payments, Credits & Adiusbnents 1 02NOV PAYMENT $650.00- Transactions 2 26OCT SPP2VEH.SER.CON800-346-5990 IL $88.77 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPRALONE-COM TO MAKE YOUR PAYMENT 0NUNE. 1 4147097055869129 13 0000000650000569006 Account Number: 4147-0970-5586-9129 Due Date New Balance Minimum Payment Amount Enclosed Dec 08 2009) $22,504.00) $569.00 J ---.- - PLEASE PAY AT LEAST THIS AMOUNT #9011828603155746# HARRY R GOLDEN 1515ORnERCE AVE CARLI LE, PA 17015-9586 Lr Jrll`IIII Ix1111111LIILIIIrlllllln'IIIIIIIIIIIIIIIIullllll GO PAPERLESS! The trees will thank you. Sign up at www,capitalone.com 4 Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIIIrIIIrrIIIIIrIIrIIIIIIIrrIIIIIIr - II - IrIIIrIIr - IIIIIIII.IIII ENT-4-1-W6 C A Please make checks payable to Capital One Bank (USA), N.A, and mail with this coupon in the enclosed envelope. Get paid. Twice. Earn a great 1.60% Annual Percentage Yield (APY) PLUS a 10% quarterly bonus on your interest earned with the all-new InterestPlus Online Savings account* Great savings rate • 10% bonus on interest earned Easy online transfers* Learn more and open online at capitalonedirect.com/save8 *Please see reverse for important disclosures. 1m60 %. 500328 MEMBER FDIC FINANCE Previous Balance Payments & Credits CHARGE_ Transactions New Balance Minimum Payment Due Date -- $22,504 00 -? $580.59 ) + ( $342_49 l-( $1,322.28 1=? $23,588.18 ? f $578.00 ( Jan. 07, 2010 J J Nov. 14, 2009 - Dec. 13, 2009 Page 1 of 1 r Visa Signature Account 4147.09703566.9129 Your Account Information ? UWAARDS' TOTA L REVOLVING CREDIT LINE $30,000,00 TOT L AVAILABLE REVOLVING ? CRE IT $8,411,82 CRE IT LINE FOR CASH $15,000.00 AVAII ABI_E CREDIT FOR CASH $8,411.82, Finange Charges (Please see reverse for important information) Balance rate Periodic Correspondng FINANCE applied to rate APR CHARGE Purchases $23,279.48 0.04904% D 17.90% $342.49 Cash $0.00 0.06821% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 17.90% _._....... k------ ---- --....-- ----- -- 0 r SeoB3rvice • Go to www.cwbbno.com to mar age your eooouni, ztCatYou1?55-7070 to report a bst a stolen card a speak Io Orslomer III 0 Pay Online at www.gaulabne.com a mail you paymwd to: One Bank (USA), N.A. • P.O. Box 71083 • Charms, NC 1083 A end Inquiries to: epitd One• P.O. Box 30285 - Sat Lake Oty, UT 84130-0285 anage your Rewards online by visiting 5oarmis or Cat 1-000428-3001 ® !Have a question about a charge on your statement? Please refer to the Billing Rights Summary on the back of your statement or visit www.canitalone.comldsoutes C --a 1 4147097055869129 13 0000000570000578002 Account Number: 4147-0970-5586-9129 Due Date' New Balance Minimum Payment Amount Enclosed Jan---_. 07.., 2010 $23,588.18 $578.00 i PLEASE PAY AT LEAST THIS AMOUNT #901472860315574511 HARRYI R GOLDEN 1515 'rEORnERCE AVE CARLISLE, PA 17015-9586 IrJI'II?III„IrlInIlLlllrlllnrlr,IrrIpIIIIIIInIIUIIIIIhrr ORGANIZATION v MADE EASY. Forget the filing. Manage your account online and simplify your life. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111-11 fill EY14bic'C A PLEASE PAY AT (EAST THIS ANOUHT Rewards Summa Previous available balance 35,562 Earned this period: 1,640 (rd6cis transactions posted during This bring cycle) Available Balance 37,202 Pay ments, Credits & Adiustmerib 1 01 DEC STAPLES 00108704 CARLISLE PA $10.59- 2 09 DEC PAYMENT S570.00- Transactions 3 23 NOV BEST NAILS OF CARLISLE CARLISLE PA $50,00 4 25 NOV SPP2 VEH.SER.CON 800346-59901L $88.77 5 27 NOV TARGET 00020990 CARLISLE PA $206.10 6 27 NOV TARGET 00020990 CARLISLE PA $133.43 7 27 NOV GAMESTOP #4906 CARLISLE PA $307.35 8 27 NOV STAPLES 00108704 CARLISLE PA $21,18 9 27 NOV 0401 YANKEE CANDLE CARLISLE PA $99.54 10 27 NOV BON-TON-CARLISLE #0009 CARLISLE PA $82.33 11 27 NOV BON-TON-CARLISLE #0009 CARLISLE PA $40.25 12 27 NOV MICHAELS #6710 CARLISLE PA $62.24 13 27 NOV MICHAELS #6710 CARLISLE PA $11.02 14 29 NOV TARGET OC021865 HARRISBURG PA $34.44 15 29 NOV CHRISTMAS TREE #7049 SWATARA PA $47.91 16 06 DEC SCALLES INC CARLISLE PA $16.19 17 07 DEC HOLIDAY INN STADIUM PHILADELPHIA PA $97.91 ARRIVE' 1210509 18 07 DEC WAL-MART #2574 CARLISLE PA $12.72 PLEASE RETURN PORTION BELOW WITTH PAYMENT OR LOG ON TO wWW.CAPRALONE.COM TO MAKE YOUR PAYMENT ONLINE. Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 500006 QR? N*at-s in your walistl It could happen to anyone. Make sure you pay the amount HARRY,'R GOLDEN due on your statement as soon as possible. WHOOPS Keeping your credit in good standing can ¦ do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES behind' Vou're 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) (0 2009 Capital One. Capital One it a federally regirrered teruice mark. All rights reremerL FINANCE Previous Balance Payments 8 Credits CHARGE $4,173.17 Transactions Due Date - $Now 28,142 Balance .96 ? $1,241.00 Minimum Payment $23,588.18 $0.00 + + ?1- (Feb 08, 2010) _. - - - C?D .__..._ - / Dec. 14, 2009 - Jan. 13, 2010 Page 1 of 1 ......._._ PLEASE PAY AT LASr THIS AMOUNT Visa Signature Account 4147.WO655Wgl29 ` Your Account Information ? W A Ds TOTAL REVOLVING CREDIT LINE $30,000.00 TOTAL AVAILABLE REVOLVING CREDIT $1,857.04 CREDIT LINE FOR CASH $15,000.00 AVAIBLE CREDIT FOR CASH $1,857.04 Finance Charges (Please see reverse for important information) Balance rate Periodic Corresponding FINANCE applied to rate APR CHARGE Purchases $25,101.66 0.04904% 0 17.90% $381.61 Cash $0.00 0.06822% D 24.90% $0.00 ANNUAL PERCENTAGE RATE applied this period: 17.90% At Your Service . Go b www.c®bbrxa.mm I. manage your aamuni, %T.7 or Cat 14IW955-7070ID regal a bst or satin taro or speak to Otsbmer Re9tims 10 Pay online at www.oacitabne.mm or mail your payment to: Capita! One Banc (USA), N.A. • P.O. Banc 71083 - Chabtle, NC 28272.1083 A (Send Inquiries to: !Capital One• P.O. Box 30285• Sat Lake City, UT 84130-0285 ® +maage your Rewards online by visiting crcat t?BO.228.3tb1 ® Have a question about a charge on your statement? Please refer to the Bilulg Rights Summary on the back of your statement a visit www.caoitakxre.com/dSWIM You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account current. 'Renewal Notice - See both sides of the first page of this statement for important renewal information related to your account. Rewards Summary Previous available balance: 37,202 Earned the period: 5,217 (ratbds transactions posted during this biting cria-) Available Balance: 42,419 Payments. Credits dr Adlustments Transactions 1 15 DEC CVS PHARMACY #1627 C03 CARLISLE PA $27,51 2 20 DEC BOSCOVS 000001 41 HARRISBURG PA $52.99 3 20 DEC NORMAN'S HALLMARK #50 HARRISBURG PA $13.76 4 20 DEC 0401 YANKEE CANDLE CARLISLE PA $81.45 5 20 DEC BATH & BODY WORKS 0343 HARRISBURG PA $46.11 6 23 DEC GIANT FOOD #112 CARLISLE PA $131.34 7 24 DEC JOHN GROSS & CO INC MECHANICSBURG PA $45.55 8 28 DEC SPP2 VEH.SER.CON 800346-5990 IL $88,77 9 29 DEC DS 'VISION DIRECT DRUGSTORE.COM WA $38.97 10 31 DEC GIANT FOOD #112 CARLISLE PA $93.52 11 06 JAN CIESCO,INC 717-232-5825 PA $3,553.20 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPffALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 0000000570001241007 Account Number: 4147-0970-5586-9129 Due Date New Balance Minimum Payment Amount Enclosed L. Feb. 08, 2010) (-$28,142.96 ) 241.00 `PLEASE PAYAT LEAST THIS AMOUNT N9091428603155741# HARRY R GOLDEN 1515 I1COnnERCE AVE CARLL!SLE, PA 17015-9586 III IIII If-IIIII -IIIrnlrrlhhlllllhllrulllrlllr9rlr9-III II PAPERLESS STATEMENTS Stop waiting for the mailman. View up to 13 months of statements anytime-online. Sign up at www.capkalone.com Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIII' II l"IIIII'II'1111111--IIII11"II' I'III'II"I IIIIIII'II II E'L'F-oojq A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. •`?rReW(ards ftp4? rooSQ to snop tP Get a stack of cook,,, b k C'? ? dC 0h ?_?? I? - d crvis aiav.. e Shop tM t over www.capitalone.com Page 1 of 2 14MO-955.7070 -- - - www.capitalone.com Jan. 14- Feb. 13, 2010 31 Days in Billing Cycle J VISA SIGNATURE XXXX-XXXX-XXXX-9129 NEIh BALANCE MINIMUM PAYMENT DUE DATE $27,329.92 $701.00 Mar 10, 2010 PLEASE PAY AT LEAST THIS AMOUNT Revolving Credit Limit: 530,000.00 Cash Credit Limit: S15,000.00 Available Revolving credit; 52,670.08 Available Credit for Cash: $2,670.08 Previous Balance Payments and Credits Fees and Interest Charged r- S28,142.96 - $1,241.00 + 5427.96 + ------------------ 1 RAN ACTIONS PAYMENTS, CREDITS & ADJUSTMENTOR HARRY R GOLDEN #9129 1 0$ FEB PAYMENT (S1,241.00) FEES Total Fees This Period $0.00 Total Fees This Year $0.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES 5427.96 Total Interest This Period 5427.96 Total Interest This Year S809.57 Transactions continue on page 2 Transactions New Balance $0.00 J ! $21,32992 REWARDS INFORMATION PREVIOUS AVAILABLE REWARDS BALANCE REWARDS EARNED THIS PERIOD (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 02,13/2010 For up-to-date rewards tracldng,visit www.capitalor e.com/milesrewards or simply call 1.800-228.3001 Q1NOHM16 reward 42,419 0 42,419 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 0000001241000701009 CROM Account Number: 4147.0970-5586-9129 Due Date New Balance Minimum Payment Amount Enclosed -- ---- Mar 10 2010 $27,329.92 $701.00 PLEASE PAY AT LEAST THIS AMOUNT HARRY'. R GOLDEN 199 VIRGINIA AVE CARLIISLE, PA 17013-1069 "I111911.111-1l-1111111111 -11111[11111111111q.1.11,111.1... I—' GREEN FACT! • 1 tree can be saved for every 13 people that go paperless. Sign up at www.capitalone.com Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111,1111rIIIII-IIrI1111H.,IIIIIIrIII-I llrll ?llllllll 1111 Ev r- fk ? f A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 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 Cq;;;;. Page 2 of 2 14I00.955-7070 www.capitalone.com Jan. 14. Feb.13, 2010 31 Days in Rifling Cyde YISA NATURE XXXX-XXXX-XXXX-9129 Revolving Credit Limit: $30,000.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Available Revolving Credit: $2,670.08 Cash Credit Limit: $15,000.00 1 $27,329.92 $701.00 Mar 10, 2010 Available Credit for Cash: $2,670.08 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 52$,14296---- - $1,241.00 + 5427.96 } $0.00 _ ` - - -- $27329.92 ---- `TRAACTIONS CONTINUED INTER?ST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account Type of Qalance Annual Percentage Balance subject to !Merest Charge Rate (APR) Interest Rate Purchases 17.90%D $28,150.67 $427.96 Cash 24.90%D $0.00 $0.00 5000M "at's in yaw "Het? It could happen to anyone. Make sure you pay the amount HARRYR GOLDEN due on your statement as soon as possible. MIIHOOPSI Keeping your credit in good standing can ¦ do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES Yow"re behind !ty payment. (good BETTER credit INTEREST could RATES mean lower interest rates) www.capitalone.com Feb.14- Mar.13, 2010 28 Days in Billing Cycle MINIMUM PAYMENT WARNING If you make only the minimum payment each Period, you will pry more in interest and it will take you longer to pry off your balance. For example: VISA "NATURE XXXX-XXXX-XXXX-9129 Payment Amount Each Period If No Approximate Time to Pry OH Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Am Made statement Balance Total Cost --- $27,707.69 $1,355.00 r10,2010 Minimum Payment 37 Years (67,421,61 If you would like information about credit counseling services, call 1-888-326-8055. PLEASE PAY AT LEAST THIS AMDU W Revolving Credit limit: 530,000.00 Cash Credit Limit: S15,000.00 Available Revolving Credit: 52,292.31 Available Credit for Cash: $2,292.31 Previolus Balance Payments and Credits Fees and Interest Charged ?- -S27,329.92 J - l-_-_--$0.00 + 5377.77 J + Yo0e behind by one payment. Remember that paying the minimum payment by the dueldate keeps your account Current. So make sure you send in the minimum payme to keep your account current. ?TRAN ACTIONS-___ -J? PAYMENTS, CREDITS & ADJUSTMENTS FOR HARRY R GOLDEN #9129 FEES INTEREST CHARGED IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 7in nrencil. aervlly reguterrd Tcrui-tt - - mark. A11 - rig-- - - r'J 2009 Capital Page One. ne. 1 Capital nne is 1-800-955-7070 Total Fees This Period $0.00 Total Fees This Year $0.00 Transactions New Balance -- ----------- f0.00 1 = r $27,701.69 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, Total Interest This Period 5371.77 INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCNASES S3J7.77 Total Interest This Year $1,187.34 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance subject to Rate (APR( Interest Rate Interest Charge Purchases 17.90% D $27,511.63 $377.77 Cash 24.90% D ? $0.00 50.00 cwft PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 0000001241001355006 Account Number: 4147-0970-5586-9129 Due Date New Balance Minimum Payment Amount Enclosed f Apr 10, 2010 $27,707,69 1 51,355.00 1 PLEASE PAY AT LEAST THIS AMOUNT HARRY. R GOLDEN 139 VIRGINIA AVE CARLISLE, PA 37013-1069 'III'Il0ll'Il"11111'III,I„IIILIIII.I'Illlllllllll'I'1111?-III Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments • Review account information AQ • Manage your account in privacy Capital On. Bank (USA), N. A. P.0• Box 71083 Charlotte, NC 28272-1083 Illllllrlllrrlllllrllslllllllrsllllllr1 llrlrlll-ll -llllllll -llll E? ra lT??' d' A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. what's /n your wallet? 500009 LET'S TALK - WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One7 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. cO' 2009 Capital One. C I ital One is is fcderaldp registered servcre mark. All rrghtt rererued. Page 1 of 1 1400.955.7070 -- www.capitalone.com Mar. 14 Apr. 13, 2010 31 Days in lpRng Cyr MINIMUM PAYMENT WARNING: It you make only the minimum payment each period, you VISA 5 XXXX-XXXX-XXXX-9129 will pay more in interest and it will take you longer to pay off your balance. For example: Payment Amount Each Period If No Approxiinsete Time tc Pay OH Estimated MINIMUM PAYMENT DUE DATE Additional Charges AteMe& statement Balance Total Cost Y 10, 2010 Minimum Pa ment 37 Years - $fi7,427,)0-- $2,060.00 May y If you would like information about credit counseling services, call 1-888.326-8055. PLEASE PAY AT LEAST THIS AMOUNT Revolving Credit Limit: 530,000.00 Cash Credit Limit: 515,000.00 Available Revolving Credit: 51,867.97 Available Credit for Cash: $1,867.97 Previops Balance_ Payments and Credits Fees and Interest Charged Transactions --- S21,707.69 + 5424.34 -J + - -50.00 ---? l 11 _._._._ _..- -- ._ ...-_.._ __...........- 111 You're behind by two payments. Let's talk. If you're having financial difficulties and cant make your minimum payment - we want to help. Lers work together to find a solution. rTRAN ACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR HARRY R GOLDEN #9129 FEES Total Fees This Period $0.00 Total Fees This Year $0.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES S424.34 Total Interest This Period 5424.34 Total Interest This Year $1,611.68 New Balance E $28,132.03 -- -- --] 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 Balarraa Annual Percentage Balance Subject to Rate (APR) Interest Rate Interest Charge Purchases 17.90%D $27,912.54 $424.34 Cash 24.90% D $D.00 SC.D0 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Account Number: 4147.0970.5586-9129 Due Date New Balance Minimum Payment Amount Enclosed May 10, 2010 ( 828,132.03 ) 52,060.00 ? ( - - \ - - PLEASE PAY AT LEAST THIS AMOUNT HARRY, R GOLDEN 139 VQRGINIA AVE CARLISLE, PA 17013-1069 lull•Ill??nlllll?ll?lll•Il?rrll•I?rll?lnl•lldl?lnll•Illnl' Take advantage. Take control. Manage your account online at tnrww.capitalone.com Make payments Review account information AQ Manage your account in privacy Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111'Ill"IIIII'I1'Il lllllrrllll ll"II'I'111'Il"IIIIIIII'Il ll EN1 1 4147097055869129 13 0000001241002060000 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. HARRY R GOLDEN what's in your wallet? MAKE A PAYMENT. AND TAKE CONTROL 500010 OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our &= check by phone service or speak to an associate by calling 1.800.955.6600. 0 200`) Capital One. Capital One is a federally registered senliee )nark. A# rights reserped i VISA Page 1 of 1 14IW955.7070 www.capitalone.com Apr 14 May, 13 2010 30 Days in Riling Cycle MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and A wil take you longer to pay off your balance. For example: XXXX-XXXX-XXXX-9129 PaymentAmount Each Period N No Appraxirnate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges AreMade Statement Balance Total cost ---- -......-------- 528,548.87 $2,762.00 tun 10, 2010 Minimum Payment -? 36 Years 567,4te.4o If you would like information abort credit counseling services, call'-888-3268055. PLEASE PAY AT LEAST THIS AMDUM Revolving Credit limit: 530,000.00 Cash Credit Limit: S15,D00.00 Available Revolving Credit: 51,451.13 Available (rent for Cash: $1,451.13 1 Balance Payments and Credits Fees and Interest Charged Transactions New Balance 2.03 _ 10.(X1 + 5416.84 + So.00 g28548,87 ---.--...... ----? ----- ?- -------___? I -- -- - --1 You're behind by three payments. But you can bring your account current by paying the minimu payment amount on your statement. If you're having financial difficulties and you're fulling overwhelmed - we want to help. Give one of our associates a call at 1.800.95.6600. You'd be surprised what we can do together to work this out. `TRAN ACTIONS - PAYME TS, CREDITS & ADJUSTMENTS FOR HARRY R GOLDEN #9129 FEES Total Fees This Period $0.00 Total Fees This Year $0.00 INTERESlf CHARGED INTEREST CHARGE: PURCHASES S416.84 Total Interest This Period 5416.84 Total Interest This Year $2,028.52 Please rye that in your newly revised Customer Agreement, issued in early 2010, the Arbitration Agreement has been removed. 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 $28,333.00 $416.84 Cash 24.90%0 $0.00 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 0000001241002762001 Account Number: 4147.0970-5586-9129 Due Date New Balance Minimum Payment Amount Enclosed Jun 10 2010 l ( $28,548.87 ) -$2,762.00 (`- _- _ 1 _ ....-- PLEASE PAY AT LEAST THIS AMOUNT HARRY' R GOLDEN 139 VIRGINIA AVE CARLISLE, PA 17013-1069 IIIf IIf 1lf11111-11If I-I.-IIIII11011"I"I-II..... 11'1f1'111'Ill Take advantage. Take control. Manage your account online at wtn/w.capitalone.com Make payments Review account information 46 Manage your account in privacy 400006 Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1063 11IIIII'lII,IIIII1.11.111IfI1..1111110, 1110111-11"1111111111111 Etra?,?R'q-A Please make checks payable to Capital 0 ne Bank (USA), NA. and mail with this coupon in the enclosed envelope. HARRY R GOLDEN 500008 R GOLDEN It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. Keeping your credit in good standing can do a lot more than you think. wer interest rates) APPROVED FOR LOANS (when you want to buy a home or new car) 0 2009 Capital One. Capital One is a federally registered service mark. All rights reserved GOOD CREDIT= GOOD CREDIT REFERENCES e BETTER INTEREST RATES (good credit could mean to IMPROVED CHANCES TO GET Page 1 of 1 1.100.955.7070 ? www.capiltalone.com May. 14 Jun, 13, 2010 31 Days to Billing Cycle l MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you VISA S NATURE X)(XX-XX)X-)O(XX-9129 will pay more in interest and it will take you longer to pay off your balance. For example: NEW BALANCE MINIMUM PAYMENT DUE DATE PaymentAmount Each Period IF No Approximate Time to Pry Off Estimated Additional Charges Are Made Statement Balance Total Cost $26,867.48 $1,349.00 Jul 10, 2010 Minim rnPayment T 36 Yeas 165,301 If you would like information about credit counseling services, call 1-888.326-8055. PLEASE PAY AT LEAST THIS AMDU W Revolving Credit Limit: 530,000.00 Cash Credit Limit: S15,OD0.00 Available Revolving Credit: 53,132.52 Available Credit for Cash: $3,132.52 Previouls Balance Payments and Credits Fees and Interest Charged Transactions New Balance - ----- ---- 528,54887 $2,100.00 + 5418.61 l _ - -------- - - -------- J + $0-00 ? _ $26,861,48 ? (lt JJJ - - - You're bthind by one payment. Remember that paying the minimum payment by the due datd keeps your account current. So make sure you send in the minimum payment to keep your account current. j - ------------- Help is Available. ?TRAN$A CTIONS -- PAYMENTS , CREDITS 8 - ADJUSTMENTS TS FOR HARRY R GOLDEN #19129 Just pick up the phone 1 27 MAY PAYMENT (S2,100.00) . FEES Total Fees This Period Total Fees This Year INTERESt CHARGED INTEREST CRARGE:PURCHASES Total Interest This Period Total Interest This Year $0.00 $0,00 5418.61 5418.61 $2,447.13 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 17,90% D $27,535.49 $418.61 Cash 24.90% D $0.00 $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 0000002100001349003 Account Number: 4147-0970-5586-9129 Due Date New Balance Minimum Payment Amount Enclosed Jul 10 201p l ( $26,867.48 , $1,349.00 PLEASE PAY AT LEAST -- -/ THIS AMOUNT HARRY'LR GOLDEN 139 Vµ RGI NIA AVE CARLISLE, PA 17013-1069 •1.11111111..nl1-lnl.nhl?l,yrlp•n11111111..rllurylllhll 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.0• Box 71063 Charlotte, NC 28272-1083 1111111'111"11111'II'Illllllrrllllll"11'1'111'11"11111111'Il ll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. what in your wallot? c?- what's in your watiet7 MAKE A PAYMENT. AND TAKE CONTROL 500015 OF YOUR CREDIT WITH CAPITAL ONE! Your account is temporarily unusable. The goad news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 2009 Capita/ One. Cupii td Onr is a frdr agv regislered service nzwk. All rightr rnrnrd I VISA Page 1 of 1 14IM955-7070 _ www.capitalone.com Jun 14 JuL 13 2010 30 Days in BiRing Cyde MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example )00(X-XXXX-)VOM-9129 P rymeinAmount Each Period If No Approdnnate Tine to Pry OH Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total cost $27,265.58 $2,019.00 Au 10, 2010 Minimum Payment 36 Years 565,199 If you would like information about credit counseling services, call 1.888-316-8055. PLEASE PAY AT LEAST THIS AMOUNT Revolving Credit limit: 530,000.00 Cash Credit Limit: 515,000.00 Avadabl¢ Revolving Credit: 52,734.42 Available Credit for Cash: $2,734.42 Balance Payments and Credits Fees and Interest Charged Transactions New Balance 7.48 - 1 $0.00 + 5398.10 t $0.00 ---$27,165.58 __.......... ..... -_-----._------.. _._....._--------- ?-----._.------J ._..----- You're behind by two payments. Let's talk. B you're having financial difficulties and cant make yo0r minimum payment - vie wam to help. Lets work together to find a solution. CT?+N li AC T-1 oNS Help is Available. PAYMENTS, CREDITS At ADJUSTMENTS FOR HARRY R GOLDEN #9129 Just pick up the phone. FEES Total Fees This Period $0.0D Total Fees This Year 50,00 INTEREST CHARGED INTEREST CHARGE: PURCHASES S398.10 Total Interest This Period 5398.10 Total Interest This Year $2,845.23 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 I 17.90% D $27,059.41 $398.10 cash 24.90% 0 I 50.00 SO.DO PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 0000002100002019000 Account Number: 4147-0970.5586.9129 Due Date New Balance Minimum Payment Amount Enclosed Aug 10 2010 $27,265.58 $2,019.00 PLEASE PAY AT LEAST THIS AMOUNT HARRYi R GOLDEN 139 VIRGINIA AVE CARLISLE, PA 17013-1069 IIII11111"IIIIIIII IIIIII'lll'Il'Illllll'IIII'Ihl l'll'Il'11111?? 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•0• Box 71083 Charlotte, NC 28272-1083 uIIIPrIIlrrnhlrhrhlPllrrllnhrrllrlrlllrllrrllhlhl'1111 EYIa if,?.r,a` A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. HARRY R GOLDEN ?arjx?llfar??- what's in your wallet? MAKE A PAYMENT. AND TAKE CONTROL 500010 OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our f,= check by phone service or speak to an associate by calling 1.800.955.6600. O 2009 Capital One. Capital One it a falrr4 mgatrmd smdrr mark. All rights rrrervecL Page 1 of 1 14IM955-7070 --- - - - www.eapitalOne.eOm Jul. 14 - Aug. 13, 2010 31 Days in Billing Cycle MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Visa nature )00(X-XXIO(-XXXX-9129 Payment Amount Each Period If No Approximate Time to Pay ON Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Changes Are Made statement Balance Total Cost $27,431.80 $2,459.00 Sep 10, 2010 ......... ---- --- Minimum Payment 36 Years r S65,I754 If you would like information about creditcounseling services, call 1 -888.3268055. PLEASE PAY AT LEAST TH6 AMOUNT Revolving Credit limit: 530,000.00 Cash Credit Limit: S15,000.00 Available Revolving Credit: 52,568. ---------- - 20 Available Cred'n for Cash: $2,568.20 - ----------- Previops Balance Payments and Credits Fees and Interest Charged Transactions New Balance l S27,265.58 - F S250.00 + [:5416.22 ( J + 50.00 - - $27,431.80 You're behind by three payments. But you can bring your account current by paying the minimuril payment amount on your statement. IF you're hasirg finandal difficulties and you're f ling overwhelmed - we want to help. Give one o1 our associates a call at 1.800.955.6600. You'd be surprised what we an do together to work this out. TRAN ACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR HARRY R GOLDEN #9129 1 03 AUG PAYMENT ($250.00) FEES Total Fees This Period $0.00 Total Fees This Year $0.00 INTERESjf CHARGED INTEREST CHARGE: PURCHASES 5416.22 Total Interest This Period 5416.22 Total Interest This Year $3,261.45 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 Salim Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.90% D $27,378.24 $416.22 Cash 24.90% D $0.00 $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 0000000250002459009 Account Number: 4147-0970-5586-9129 Due Date New Balance Mirimum Payment Amount Enclosed Sep 10, 2010 $27,431.80 _)C_ $2,459.00 ? ?_.._ - - - PLEASE PAY AT LEAST THIS AMOUNT HARRYiI?R GOLDEN 134 VIRGINIA AVE CARLISLE, PA 17013-1069 Blur.1111111 .... IIII- Illrhll•Irllllrrl•IIrIIII III I^IIIP-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 IIIIIIIrIIIrrIIIIIrIIrIIIIIIIrrIIIlIIrrllrlrlllrllrrllllllllrllll A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. HARRY R GOLDEN TAKE CONTROL OF YOUR CAPITAL ONE" C*fta ,j7,- ACCOUNT AND KEEP IT FROM BEING what's In your we/let? PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. 500011 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. (0 200-9 Capital On, Capital One it a jidnal y registemd rervicc murk. AU rigbn rescrued. Page 1 of 1 1.1100.955.7070 -- - -- www.capitalone.COm - --Aug 14 Sep. 13, 2010- 31 Days in Billing Cycle MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Visa ?E- NEVIf atu)0=-XX)O(-)XXX-9129 Payment Amount Each Period H No Approximate Time to Pry Off Estimated BALANCE MINIMUM PAYMENT DUE DATE Additional Charles Are Made Statement Wance Total Cost ---- ----- ------ -- $27,851.91 (3,157.00 Oct 10, 2010 Minimum Payment 36 Years 565,059 If you would like information about credit counseling services, call 1-888.325-8055. PLEASE PAY AT LEAST THIS AMOUNT Revolving Credit Limit: 530,000.00 Cash Credit limit. 515,000.00 Availablt Revolving Credit: 52,148.09 Available Credit for Cash: $2,148.09 Previotis Balance Payments and Credits Fees and Interest Charged Transactions New Balance -- - -- - 1 521 431.80 + 5420.11 + $27,851.91 l? J - --- - - ---------- You're behind by four payments. But you can still bring your account current by paying the minum payment amount on your statement. Need help? Give us a call at 1.600.1 5.6600. We'll work together to find a solution. CTRAN ACTIONS_ _ PAYME TS, CREDITS a ADJUSTMENTS FOR HARRY R GOLDEN #9129 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will FEES be happy to help you check your balance and make payments Total Fees This Period $0,00 . Total Fees This Year $0.00 INTEREsrr CHARGED INTEREST CHARGE: PURCHASES 5420.11 INTEREST CHARGE CALCULATION Total interest This Period 5420.11 Total Interest This Year $3,681.56 Your Annual Percentage Rate (APR) is the annual interest rate on your acmunt. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.90% D $27,634.61 $420.11 I i Cash 24.90%D $0.00 $O.DO PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 0000000250003157002 Account Number: 4147-0970.5586-9129 Due Date New Balance Minimum Payment Amount Enclosed Oct 10, 2010 - $27,851.91 $3,157.00 PLEASE PAY AT LEAST --------_/ THIS AMOUNT HARR1 R GOLDEN 139 IRGINIA AVE CARLISLE, PA 17013-1069 IV11I 1111-IIIIIII...II-III?IIIIIIII'Il ll'Illll'h'Illllllrl lhl Take advantage. Take control. 1 Manage your account online at www.capitalone.com Make payments Review account information AU Manage your account in privacy 400006 Capital One Bank (USA), N.A. P.0• Box 71083 fharlatte, NC 28272-1083 IIIIIIIxIIIrr11111'I1.111111h.111111''11'1.111x11"11111111'111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. HARRY R GOLDEN Consistent with new federal credit card rules, we've revised 500513 Recent changes our policies on interest rate increases as well as the factors we to your account may consider when increasing rates. J Limitations on Annual Percentage Rate (APR) Increases 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 Please note that these same changes are being made to both older and newer accounts in an effort to consistently implement laws that only recently became effective. --- -- Page 1 of 1 1.000.955.7070 www.capitalone.com Sep. 14.Oct. 13, 2010 30 Days in Billing Cycle MINIMUM PAYMENT WARNING If you make only the minimum Payment each Period, you wilf pay more in interest and it will take you longer to Pay off your balance. For example: vim 5 nature XXXX-XXXX•XXXX-9129 PaymentAmount Each Period If No Approldmate Tune to Pay DH Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Changes Are Made Statement Balance Total Cost $23,264.59 53,852.00 Nov 10, 2010 Minimum Payment 36 Years j 865,05 If you would like information about credit counseling services, call 1 -888-326-8055. PLEASE PAY AT [EAST THIS AMDUW Revolving Credit Limit: 530,000.00 Cash Credit Limit: S15,000.00 Avadabk Revolving Credit: 51,735.41 Available Credit for Cash: $1,735.41 Previo0s Balance Payments and Credits - Fees and Interest Charged Transactions New Balance _ 527,851.91 $0.00 a - l + 54122 68 ?.. 11 1 + ( $0.00 - 428,264.59 _... --- ---- - --- - -_ -----J _._. You're behind by five payments. If you continue to miss payments your account is at risk of beingtcharged off. Please dDnl let this happen. If you're feeling overwhelmed, all us at 1 800.955 6600. We'll work with you to resolve this matter. CTRANT ACTIONS --------..._._... __) PAYMENTS, CREDITS a ADJUSTMENTS FOR HARRY R GOLDEN #r9129 FEES Total Fees This Period $0,00 Total Fees This Year $0.00 INTEREST CHARGED INTEREST CHARGE: PURCHASES 5412.68 Total Interest This Period 5412.68 Total Interest This Year $4,094.24 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 Rate (APR) Interest Rate Interest Charge Purchases 17.90% D I $28,050.87 $412.68 Cash 24.90%D $0.00 $O.DO PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 0000000250003852000 CIO - Account Number: 4147-0970-5586-9129 Due Date New Balance Mirdmum Payment Amount Enclosed ---- ---------- -- --- Nov 10, 2010 ( $28,264.59 1 $3,852.00 1 PLEASE PAYAT LEAST THIS AMOUNT HARRY R GOLDEN 139 VIIRGINIA AVE CARLISLE, PA 17013-1069 h•II•h?IrrIIIIhIIhhlll•rhI111IhIrIhlrll•II•u•Ihlrrllr 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' Bax 71083 Charlotte, NC 28272-1083 if 11111'III"IIIII'Il'Illilllrrllllll'rll'I'Ill'II"I IIIIIII'Illl ;t'ry' T F` f A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. C Jn your wallet) IT'S TIME TO TAKE CONTROL OF 500013 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 &M check by phone service or speak to an associate by calling 1.800.955.6600. _ Make sure you call or pay the amcum due cn your statement by the due cate to eliminate the nsk of being charged off. C 2009 Capixal One. Capita! One it a federall regirrered servia mark. All rights reserved, Page 1 of 1 14100.955.7070 www.capitalone.com - --- -- Oct. 14-Nov. 13, 2010 31 Days in Billing Cy], MINIMUM PAYMENT WARNING: it o k l th i i Visa lag nature XXXX-XXXX-XXXX-9129 y u ma e on y e m n mum payment each period, you will pay more in interest and it will take you longer to pay off your balance. for example: Payment Amount Each Period If No Approximate Time tc Pry off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total cost $26,697.46 y4,577.00 Dec 10, 2010 Minimum Payment r 36 Years I $65,056 I f you could like information abort credit counseling services, call 1-888-3268055. PLEASE PAY AT LEAST THI5 AMOUNT Revolving Credit Limit: 530,000.00 Cash Credit Limit: 515,000.00 AVailabl, Revolving Credit: 51,302.54 Available Credit for Cash: $1,302.54 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ( S2264.59 - ` - $0.00-? t 5432.87 ) + $D00 -- J c ?- $28 697.46 1 J *-- - You're hind by six payments. B we charge off your account due to late or missed paymen ,finance charges will continue to accrue. Act now to prevent this from happen g. Please pay the minimum payment amount on your statement or give us a Help I S Available call at L. 00.955.6600. We're here to help. Take control of your credit with capital One. '... . Crf?akCACnIoNS_ ?USt pick up the phone. PAYMENTS, CREDITS & ADJUSTMENTS FOR HARRY R GOLDEN #9129 FEES Total Fees This Period $0.00 Total Fees This Year $0.00 INTERES CHARGED INTEREST CHARGE:PURCHASES 5432.87 Total Interest This Period 5432.87 Total Interest This Year $4,527.11 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 Rate (APR) Interest Rate Interest Charge Purchases 17.90% D $28,473.56 Cash 24.90% D $0.00 $432.87 $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 0000000250004571008 Caw" Account Number: 4147.0970.5586-9129 Due Date New Balance Minimum Payment Amount Enclosed Dec 10 2010 $28,697.46 $4,571.00 PLEASE PAY AT LEAST THIS AMOUNT HARRYI R GOLDEN 139 VRGI NIA AVE CARLI LE, PA 37013-1069 Irlllh?hl?lllllr?•?Ihll?rl?llllll?llllll•Il??rvllllll?lllll 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•0. Box 71083 Charlotte, NC 28272-1083 IIIIIIIIIIIrrIIIIILIIrIIIIIIIrrIIIlIIrrIIIITIIILIIIrllllllllrllll EV rack-rT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. HARRY R GOLDEN Q"?W- what's J. your wallet? IT'S TIME TO TAKE CONTROL OF 500013 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 fry check by phone service or speak to an associate by calling 1.800.955.6600. _ Make sure you call or pay the amount due on your statement by the due Cate to eliminate the risk of being charged off. 0 2009 Capital Ont. Capirnl Ow if a ftrltrall rtgtxntd reruin nmrk. All ri8ba rertrned -- - - Page 1 of 2 14100.955.7070 www.capitalone.com Nov 14 Dnc.13 2010 30 Days in Billing Cyde? MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay mom in interest and it will take you longer to pay off your balance. For exar ple: Tvkat nafwre )OD(X-XX)X-)0(XX-9129 Payment Amount Each Period If No Approximate Time to Pay ON Estimated NEVI BALANCE MINIMUM PAYMENT DUE DATE Additional Chai Am Made Statement Balance Total Cost --- $2i8,34D.51 (4,497.00 Jan 10, 2071 Minimum Payment 36 Yean 164,267 If you would like information about credit counseling services, call 1-888.326-8055. PLEASE PAY AT LEAST THIS AMOUNT Revolving Credit Limit: 530,000.00 Cash Credit Limit: 515,000.00 Available Revolving Credit: 51,659.49 Available Credit for Cash: $1,659.49 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 5211,69746 _ $775.00 + S418.05 - --, - + $0.00 $28,340.51 1 --- ---`- - i, You're hind by six payments. R we charge off your account due to late or missed paymen s, finance charges will continue to accrue. Act now to prevent this from happeni g. Please pay the minimum payment amount on your statement or give us a call at 1 11800.955.6600. We're here to help. Take control of your credit with Capital One. Renewal Notice - See both sides of the first page of this statement for important information about rates and interest charge calculation. IRAN ACTIONS PAYME IS, CREDITS & ADJUSTMENTS FOR HARRY R GOLDEN #F9129 1 17 NOV PAYMENT ($375.00) 2 03 DEC PAYMENT ($400.00) FEES Total Fees This Period $0.00 Total Fees This Year $0.00 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 17.90% D $28,415.78 $418.05 Cash 24.90% D 50.00 I $0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.r-APITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 0000000400004497008 C1W Account Number: 4147-0970-5586-9129 Due Date New Balance Minimum Payment Amount Enclosed Jan 10 20111 ) j $28,340.51 ) $4,497.00 l l PLEASE PAY AT LEAST ---------- l THIS AMOUNT HARRY ?I R GOLDEN 134 uIRGINIA AVE CARLISLE, PA 17033-1064 rlllrr?l?IhIIrIII?nprPll•Ilrllllllll^Illllrnlhlrllrlllll Take advantage. Take control. Manage your account online at twFw.capitalone.com Make payments Review account information AQ Manage your account in privacy 101.6 Capital One Bank (USA), N.A. P.O. Box 73083 Charlotte, NC 28272-1083 nlllllrlllrruhlrlrllllnlrrllulrrllrlrlll•Ilrrllhlhlrlul E`rT-11W , A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. HARRY R GOLDEN 1(47? 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 CWii" Page 2 of 2 14MO-955.7070 www,capitalone.com Nov to Dec 13 2010 30 Days in Oiling Cycle Revolving Credit Limb: $30,000.00 Visa 5 nature )0=-XXXX-XXXX-9129 Available Revolving Gent: $1,659.49 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limit: $15,000.00 $2"40,51 $4,497,00 Jan 10, 2011 Available Credit for Cash: $1,659.49 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S2$,697A6 $775.00 - { S41&05 J + $0.00 $78,340.51 J - - i- `- CTRAN ACTIONS CONTINUED J INTEREST CHARGED INTEREST CHARGE:PURCHASES $418.05 Total Interest This Period $418.05 ! Total Interest This Year 54,945,16 cnnaA CAW Your account works differently now that you're 7 payments late. Please see the next page for important account information. Page 1 of 2 I.800.2S84319 - www.capitalone.com/solutions Dec 1a Jan. 13, 2011 31 Days in Billing CydJ IMPORTANT ACCOUNT UPDATES Visa S nature 4147-0970-5586-9129 Your full balance is due. Any payrnent you make will reduce your balance and help pay off NEW BALANCE PAYMENT DUE DUE DATE your debt faster. The amount you owe may differ if you've entered into a separate laayrnern agreement. 16,574.44 $28,574.44 PAST DUE Av-aaiaW Revolving Credit: 50.00 F 1 Balance Payments and Credits Fees and Interest Charged Transactions New Balance l _ 0.51 S200A0+ ?- 5433.93 ....._? + C- _ 50.00..._-? ?.. -$28.574.44 -? ENTS. CREDITS & ADJUSTMENTS FOR HARRY R GOLDEN #9129 13 JAN PAYMENT ($200.00) Help is Available. Just pick up the phone, FEES Total Fees This Period $0,00 Total Fees This Year $0.00 INTEREV CHARGED INTEREST CHARGE: PURCHASES 5433.93 Total Interest This Period 5433.93 Total Interest This Year 5433.93 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 INTEREST CHARGE CALCULATION Purchases 17.90%D $28,543.59 $433.93 Cash 24.90%D $0.00 $O. DO PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WNMJ.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE. 1 4147097055869129 13 0000000200000000008 Account Number: 4147-0970.5586.9129 Due Date New Balance Amount Enclosed _ ...- . - Past Due ) ( $28,574.44 1 HARRY R GOLDEN 139 vIIRGINIA AVE CARLIISLE, PA 37013-1069 nrlrhl?IlPnl^IhPlrllldurlllnllllllgllllrrllll^hlllhh 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. aooaoa Capital One Bank (USA), N.A. P.O. Box 71063 Charlotte, NC 28272-1083 1111111'Ill"IIIII'll'Illllllrr111111"II'I'Ill'Il"IIIIIIII'I1II EvTa bi f A Please make checks payable to Capital 0 ne Bank (USA), NA. and mail with this coupon in the enclosed envelope. Take control of your finances today! Call 1-800-258-9319 to get up-to-date information about your account and make payments. It's not too late. Call now to get started. VISA S GNATURE NEW BALANCE $29,091.59 Availalble Credit: 50.00 Previous Balance S18,574A4 Page 1 of 2 14800.256-9319 ? --- - -- --- -- _-Jan 14 Apr.-12 2011- www.capitalone.com/solutions 4147.0970.5586.9129 IMPORTANT ACCOUNT UPDATES PAYMENT DUE $29,091.59 Payments and Credits $485.19 + DUE DATE Your full balance is due. Any Payment You make w+ll reduce your balance and help pay off your debt faster. The amount you owe may Past Due differ I you'm entered into a separate payment agreement. Fees SO.DO + -?.------------------- - --- I IRAN CTIONS---------- ---- ------- PAYMENTS, CREDITS & ADJUSTMENTS FOR HARRY R GOLDEN #9129 1 24 FEB PAYMENT (5285.00) 2 25 FEB INTEREST CHARGE REVERSAL (50.11) 3 24 MAR PAYMENT (5200.00) 1 4 25 MAR INTEREST CHARGE REVERSAL (SO.08) FEES Total Fees This Period $0.00 Total Fees This Year $0.00 INTEREST CHARGED 1 16 JAN INTEREST CHARGE $22.93 2 16 FEB INTEREST CHARGE 5355.53 3 25 FLB INTEREST CHARGE $91.75 4 16 MAR INTEREST CHARGE 5227.09 5 25 MAR INTEREST CHARGE $90,83 6 12 APR INTEREST CHARGE 5214.21 Tran5aclions continue on page 2 Interest Charged New Balance -- 51,002.34 1 = (?---- 529,091,59 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. T of Balance Annual Percentage Balance Subject y? Rate (APR) to Interest Rate Interest Charge Interest Bearing 1 14.650% 1 $28,378.38 1 $1,002.34 rr.tA?t Kt I urcN rUH I IUN tStLUVV col I N PATMtN I OH LOU ON TO WWW.CAPITALONE.COIWSOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 4147097055869129 12 0000000000000000000 Caipl Account Number: 4147-0970-5586.9129 Due Date New Balance Amount Enclosed Past Due $29,091.59 HARRYi R GOLDEN 139 VilRGINIA AVE CARLISLE, PA 17013-1069 Manage your account online. AQ Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. Capital One Bank (USA), N.A. P.O. BOX 71083 CHARLOTTE, NC 2&272-10.3 rlllll'I"1'Illl,llllllllllll'I'1'1'11111"'111'1'1"II'ILllrlll A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. (1 Take control of our finances y 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. rage Z m Z 1-au0-Z511,9319 www.capitalo ne.com/solutions Jan. 14-Apr. 12, 2011 YISA GNATURE 4147-0970-5586-9129 Available Credit: $0.00 NEW BALANCE PAYMENT DUE DUE DATE u g,091.59 $29,091.59 I Past Due J Previous Balance Payments and Credits Fees Interest Charged New Balance 18,574.44- - 1 C---$485.19 + ?^ - - 50.00 ) + ?- $1.00294-- J = i ` 529,091.59 TRANSACTIONS CONTINUED Total Interest This Period S1,002.34 Total Interest This Year 51,436.17 '.. E.'`1k T Take control of our finances today. Call 1-800-258-9319 to get up-to-date information about your account and make payments. It's not too late. Call now to get started. Page 1 of 2 I-SM-258-9319 i-._---------._....._----._.-----....._----.....------- -----_---------- - www.capitalone.coRl/solutions Apr. 13 - Jul. 12, 1011 J l_------------.-......... ---- VISA MGNATURE 4147-0970-5586-9129 IMPORTANT ACCOUNT UPDATES NEW BALANCE PAYMENT DUE DUE DATE Yaur roil balance Is due. Any payment you make will reduce your balance and help pay off your debt faster. The amount you awe may $129,505.48 $29,505.48 Past Due d ff. I you've entered into a separate payment agreement. Available Credit: 50.00 Preliious Balance Payments and Credits Fees 5!19,091 59-/I - ?-$60014 + l? SO.00 -E PAYMENTS, CREDITS & ADJUSTMENTS FOR HARRY R GOLDEN #9129 1 25 APR PAYMENT ($200.00) 2 26 APR INTEREST CHARGE REVERSAL (50.08) 3 23 MAY PAYMENT ($200.00) 4 24 MAY INTEREST CHARGE REVERSAL (50.08) 5 23 JUN PAYMENT ($200.00) 6 24 JUN INTEREST CHARGE REVERSAL (50.08) FEES Total Fees This Period $O.DO Total Fees This Year $0.00 INTEREST CHARGED 1 26 APR INTEREST CHARGE 5146.55 2 12 MAY INTEREST CHARGE 5190.29 3 24 MAY INTEREST CHARGE 5113.13 4 12 JUN INTEREST CHARGE 5222,27 5 24 JUN INTEREST CHARGE 5122.25 Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMFNT nR I nG nN M- wvuw reor Interest Charged New Balance $1,014.13 529,505.48 Help is Available. Just pick up the phone. Call 1.800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on Your account. T of Balance Annual Percentage Balance Subject T? Rate (APR) to Interest Rate Interest Charge Interest Bearing 14.650% 1 $27,765.63 1 $1,014.13 -ALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 4147097055869129 12 nnnnnnnnnnnnnnnnnnn Account Number: 4147-0970.5586-9129 Due Date New Balance Amount Enclosed Past Due J, $29,505.48 J ?- - HARRYi R GOLDEN 139 VIRGINIA AVE CARLISLE, PA 37013-1069 Manage your account online. rQ Visit www.capitalone.com/solutions to manage your account online. Have information at your 'ingertips 24/7 without picking up the phone. Capital One Bank (USA), N.A. P•0• BOX 71083 CHARLOTTE, NC 28272-1083 ,Illllrlr,LIIILIIIIIIIIIIII.LI'I'I1111?"I11'I'I'ylrll'Ilrlll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Take control of our finances today! Call 1-800-258-9319 to get up-to-date information about your account and make payments. It's not too late. Call now to get started. Gapl- -- - -- - Page ] of 2 1i00.258A319 ------ - -- --- www.capitalone.com/solutions \\\ Apr. 13 1ul 12, 2011 VISA GNATURE 4147-0970-5586.9129 Available Credit: $0.00 NEW BALANCE PAYMENT DUE DUE DATE 1x9.505.48 $29,505.48 Past Due Previous Balance Payments and Credits Fees Interest Charged New Balance ?__ ____ .__._.._.-----._....., S?9,091.59 j ----_ ._....-- - ------------ - 4600.24 4- 50.00 t $1,014.13 --- = 529,505.48 TRANSACTIONS CONTINUED 6 12 JUL INTEREST CHARGE $209.63 Total Interest This Period 51,014.13 Tot allnterest This Year 52,450.40 4 Take control of our finances today. Call 1-800-258-9319 to get up-to-date information about your account and make payments. It's not too late. Call now to get started. - --------------- Page 1 of 2 14100.256.9319 www.capitalone.com/solutions Jul. 13 - Oct. 12, 2011 ----- VISA # GNATURE 4147.0970.558&9129 IMPORTANT ACCOUNT UPDATES NEW BALANCE PAYMENT DUE DUE DATE Yourfull balance is due. Any payment you make will reduce your balance and help payoff your debt faster. The amount you owe may $29,908.40 $29,908.40 Past Due dBer t youwe entered into a separate payment agreement. Available Credit: SO.00 Previous Balance Payments and Credits Fees Interest Charged New Balance S12950548 l - 5600.40 + 50.00 + $1,003.32 _ 529,908.40 (TRANSACTIONS PAYMENTS, CREDITS $ ADJUSTMENTS FOR HARRY R GOLDEN #9129 1 1 25JUL PAYMENT ($200.00) 2 26 )UL INTEREST CHARGE REVERSAL (50.08) 3 23 AUG PAYMENT ($200.00) 4 24 AUG INTEREST CHARGE REVERSAL (50.08) 5 23 SEP PAYMENT ($200.00) 6 265 EP INTEREST CHARGE REVERSAL (50.24) FEES Total Fees This Period $0.00 Total Fees This Year $0.00 INTERETj CHARGED 1 26 JOL INTEREST CHARGE 5143.43 2 12 AUG INTEREST CHARGE 5197.15 3 24 AUG INTEREST CHARGE 5120.48 4 12 SEP INTEREST CHARGE 5217.45 5 26 SEP INTEREST CHARGE 5141.34 Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on Your account. T of Balance Annual Percentage Balance Subject Type Rate (APR) to Interest Rate Interest Charge Interest Bearing 14.650% 1 $27,171.08 1 $1,003.32 r- nt i unrv rvn I rUn atLUVV VVr I n YAYMM I OH LO(s ON 10 WWW.CAPITALONE.COWSOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 4147097055869129 12 2990840000002990844 Account Number: 4147.0970.5586-9129 Due Date New Balance Amount Enclosed Past Due ( $29 908.40 HARRY R GOLDEN 139 VIRGINIA AVE CARLISLE, PA 17013-1069 Manage your account online. 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 71063 CHARLOTTE, NC 28272-1083 rIIlllrlrrl'IIIIrII1111i11111rLlrlrIl111rrrIllrlrlrr11rIIr1l,lll EVT4bVT A Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. (1 Take control of our finances y today. Call 1-800-258-9319 to get up-to-date information about your account and make payments. It's not too late. Call now to get started. Page 2 of 2 1-800.256-9319 - -- _.-- - -.-- - l www.capitalone.com/solutions ( Jul 13 Oct12 2011 \.------------._.._.. ----_ _----- 111 VISA GNATURE 4147-0970-5586-9129 Available Credit: $0.00 NEW BALANCE PAYMENT DUE DUE DATE $ 9,908.40 $29,908.40 Past Due Previlous Balance Payments and Credits Fees Interest Charged New Balance ' - V9,505.48 $600.40 + 50.00 + I 51,003.32 529 908 40 - - \ - . - - --' 1.--........_ ------- TRANSACTIONS CONTINUED, 6 12 OCT INTEREST CHARGE $183.47 Total Interest This Period 51,003.32 Total Interest This Year 53,453.72 EVr-81 FT A Take control of our finance y s today. Call 1-800-258-9319 to get up-to-date information about your account and make payments. It's not too late. Call now to get started. Page 1 of 2 Customer Service 1.800.2539319 Oct. 13 - Jan. 12, 2012 www.capitalone.com/solutions --........ --- VISA JIGNATURE 4147-0970-5586-9129 IMPORTANT ACCOUNT UPDATES NEW BALANCE PAYMENT DUE DUE DATE Your full balance is due. Any payment you nuke will reduce your balance and help pay off your debt faster. The amount you owe may $30,289.01 $30,289.01 Past Due differ T youve entered into a separate payment agreement. I Availqble Credit: 50.00 Prellious Balance Payments and Credits Fees Interest Charged New Balance S?91908.40 - $600.56 + 50.00 +' 5981,17 = 530,289.01 -- J--------J ?- -- ---_ ) PAYMENTS, CREDITS & ADJUSTMENTS FOR HARRY R GOLDEN #9129 1 24 OCT PAYMENT ($200.00) 2 25 OCT INTEREST CHARGE REVERSAL (50.08) 3 23 NOV PAYMENT ($200.00) 4 25 NOV INTEREST CHARGE REVERSAL (50.16) 5 23 DEC PAYMENT 4200.00) 6 27 DEC INTEREST CHARGE REVERSAL (50.32) FEES Total Fees This Period $0.00 INTEREST CHARGED 1 25OCT INTEREST CHARGE S129.51 2 12 NOV INTEREST CHARGE 5203.53 3 25 NOV INTEREST CHARGE 5128.54 4 12 DEC INTEREST CHARGE 519137 5 27 DEC INTEREST CHARGE 5148.84 6 12 IAN INTEREST CHARGE 5179.38 Transactions continue on page 1 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially [rained 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. T of Balance Annual Percentage Balance Subject y? Rate (APR) to Interest Rate Interest Charge Interest Bearing 1 14.650% 1 $26,571.23 5981.17 RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COMISOLUTIONS TO MAKE YOUR PAYMENT ONLINE Ctpi Account Number: 4147-0970-5586.9129 Due Date New Balance Amount Enclosed Past Due l $30,289.01 J 1 HARRY, R GOLDEN 139 VI[RGI NIA AVE CARLISLE. PA 17013-1069 Manage your account online. AQ Visit www.eapitalone,com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. Capital One Bank (USA), N.A. P•O• BO)t 71083 CHARLOTTE, NC 28272-1083 'Illll'I"I'IIII?IIIIIIIIIIIIJ.1'1'11111"'111'1'1"Ilrllrll'Ill E? rat?r?' A 1 4147097055869129 12 0000000000000000000 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. I Take control of our finances today. Call 1-800-258-9319 to get up-to-date information about your account and make payments. It's not too late. Call now to get started. Customer Service 1 -B00.258A319 Oct. 13 - Jan. 12, 2011 www.capitalone.corW GNATURE 4147-0970-5586-9129 7 Available Credit: $0.00 V, BALANCE PAYMENT DUE DUE DATE 00,2B9.01 $30,289.01 Past Due Previous Balance Payments and Credits Fees Interest Charged New Balance X29,908.40 - ( $600.56 ) + 50.00 + 5981.17 - - = r 530,289.01 TRANSACTIONS CONTINUED Total Interest This Period 5981.11 TOTALS YEAR TO DATE Total Fees This Year $0.00 Total Interest This Year $981,17 '.. Page 2 Of 2 solutions a NOTICE: PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION - - Page 1 aF 1 -_ ? 1 Customer Service 1.800.2511.9319 ( tan 13 Apr. 12, 2012 J www.capitalone.cam/solutions -- - --- - - --- --- VISA 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. Your account is being serviced by Capital One Services, LLC unless you've been notified otherwise. Please note, if your account is being serviced by a third party, then your call will be automatically routed to them. EMI BALANCE P6,089.44 Available Credit: SO.00 4147-0970-5586-9129 IMPORTANT ACCOUNT UPDATES PAYMENT DUE DUE DATE Your full balance is due. Any payment you make will reduce your balance and help payoff your debt faster. The amount you owe may $26,089.44 Past Due differ 7 you've entered into a separate payment agreement. Previous Balance Payments and Credits Fees Interest Charged New Balance S30,289,01 54,210.12 + 50,00 + 5111.55 116.089.41 ?TRA?CTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR HARRY R GOLDEN #9129 1 23 JAN PAYMENT ($200.00) 2 09 APR INTEREST CHARGE ADJUSTMENT ($4,010.12) FEES INTEREST CHARGED 14 JAN INTEREST CHARGE TOTALS YEAR TO DATE Total Fees This Period $O,DD $10.55 Total Interest This Period $10.55 Total Fees This Year $0.00 Total Interest This Year 5991.72 ;"'r` Account Number: 4147.0970-5586-9129 Due Date New Balance Amount Enclosed Past Due $26,089.44 1 J - - HARRY'. R GOLDEN 139 VaRGINIA AVE CARLISLE, PA 17013-1069 Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION I ?- vsrnr n - annum mterea rare on your account. T of Balance Annual Percentage Balance subject yPe Rate (APR) to Interest Rate Interest Charge Interest Bearing I 14,6509/6 $26,284.98 510.55 rLrax Pit I UKN rUn r ruN tstLUVV VVI I M PAYMtN I ON LOG ON TO VVM.CAPITALONE.CDWSOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 4147097055869129 12 0000000000000000000 Manage your account online. AQ Visit www.eapitalone.coNsolutions to manage your account online. Have information at your fingertips 2417 without picking up the phone. Capital One Bank (USA), N.A. CH- BOXTE T 71N083 CHARLO, C 28272-1083 'Illll'I"I?Illlrllllllllllll'I'1'1'11111"'Ill'I'I'91r11'IL111 E??rai??r'I?A Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. y . r ° W ID O M O ° ? ? O ? O O O O M I rn r o C7m r q* O O O 0 o q C t!} H a m O O O M I O U V' Lf N (? M H I N r-1 r E U} N L} 01 H m H V O H N 'r V} 0) H N > o a W ID m \ H Q a a O El .. , W m W N W OD W U a a E?-I 4 o o z `" `n ° U N r a p r o d a) r ° O 0i ul .. .. 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E o m o o C a? wl H 0 z ° W A W W A U I H I NN C 00 04 04 o U) >1 E- W E. a w ° m qqnn ro E U E F U U Cw9 U) 1.14 F E. a E A FC a a U[ p U U W ? H M E z E kl m U U N a O a U U 1 u m E E a U A E E- E H w w H o W W U Ln z w a H 0 A E a W E F-I a IX a H x z a u H CY) F o ?W o u H r H 'W 0 0) m 0 m a d j C o N m O ,z, .• ) p FC H o v U d m v 0 m o aQ 1 o xH x m m m mm yr q aaI o w U) EI w I 121 yr O r o PQ Ln 0 p x r o U (N rq A ° Ln W I m a •• r W kD m w I N A z z U Z H z o w z o aA a° A F Q a 1 iD 00 A w a w° o wmou8w m W r-I M 0 -_ a a 0 cwu w H «mT. O w ' a m oA a' W a a N a Z I Ulu OH 'mi H u rz? H U w H C) A C7 Z O as [a? rRRE?:: I 41- Q Nr? 7 FO EO H E, I Z 3 H, a IX w o r? w ? r? E? w r x E '•+ x H E 14 o H cQ FFtt E E W .7 z .. a ? o r? o FC o w7 W ]C '• U E a a H W m W Q W m u w a a o 0 a °; Q Fa' U FC z U a H "X o 9 H U a p z E o z z z E o I Y , * CAPITAL ONE BANK (USA), N.A., Plaintiff, V. HARRY R GOLDEN Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that I am an authorized agent of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, that I am duly authorized to make this Verification, and that the facts set forth in the attached Affidavit are true and correct to the best of my knowledge, information and belief and is based upon information which Plaintiff has furnished to counsel. I understand the attached Affidavit will be incorporated by reference into the Complaint in Civil Action filed in this matter. The language in the Complaint is that of counsel and not of Plaintiff. To the extent that the contents of the Complaint are that of counsel and are relevant to this Verification, Plaintiff has relied upon counsel in making this Verification. Dated: -6-'90- 12 N00000040234944 124179318 A088 HAYT, HAYT & LANDAU .. /3. ??6 Brian Ritzler SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff?1`t?,, Jody S Smith Chief Deputy L012 SEP -6 AM 10: 13 Richard W Stewart CUM09RLANo CQIJNTY Solicitor nl`r PNtSI'LyANf Capital One Bank (USA) Case Number vs. 2012-4807 Harry R. Golden SHERIFF'S RETURN OF SERVICE 08/27/2012 07:3$ PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on August 27, 2012 at 1935 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Harry R. Golden, by making known unto himself personally, at 139 Virginia Avenue, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the me time handing to him personally the said true and correct copy of the same. LTSHALL, DEPUTY SHERIFF COST: $34.45 August 28, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF (c) CountySuite Sheriff, Teleosott. Inc.