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HomeMy WebLinkAbout12-6947~wmmUnawtAL t h OF PENNSYLVANIA COURT OF COMMON PLEAS Judicial District, County Of CUMBERLAND NOTICE OF APPEAL FROM MAGISTERIAL DISTRICT JUDGE JUDGME COMMON PLEAS No. ~ ~ -~~ NOTICE OF APPEAL ;vi Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. rvwu. ups i . rvcz NAME OF MDJ CAPITAL ONE BANK (USA) N.A. 09-3-01 HONORABLE H ANTHONY ADAMS ADDRESS OF APPELLANT CITY STATE ZIP CODE 4851 COX ROAD GLEN ALLEN VA 23060 DATE OF JUDGMENT IN THE CASE OF (Plaintiff) (Defendant)' 10/19/12 CAPITAL ONE BANK (USA) N.A. ~S JOSHUA W HELM DOCKET No. SIGNATURE F APPEL NT O ATTO EY OR CV-190-12 This block will be signed ONLY when this notation is required under Pa. If pe nt s Claimant (se P . R.C.P.D.J. No. 1001(6) in action R.C. P. D.J. No. 10088. This Notice of Appeal, when received by the Magisterial District Judge, ill before a agisterial District udge, A COMPLAINT MUST BE FILED operate as a SUPERSEDERS to the judgment for possession in this case. within twenty (20) days after filing the N~TICE of APPEAL. Signature of Prothorrotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon Name of appellees) (Common Pleas No. appellee(s), to file a complaint in this appeal within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or aftomey or agent RULE: To of appellees) appellees) (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. a 1 Date: . 20 ~~ I ~ b e~ ~ ~~..~ ~`u }W, ~ ~~ '...ru V )'' ~ 1 ... Signature of Prothonotary or Deputy :~~'~ I I t :~~`~ to .! r YOU MUST INCLUDE A COPY OF THE NOTICE ~lUDGMENT/TRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. AoPC s1z-o5 a~.~1~3.~~ a~ C~-~ ~a a ~~ a$~y COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND Mag. Dist. No: MDJ-09-3-01 MDJ Name: Honorable H. Anthony Adams Address: 35 West Orange Street Shippensburg, PA 17257 Telephone: 717-532-7676 Attorney Michael F. Ratchford, Esq. Edwin A Abrahamsen & Associates PC 120 N Keyser Avenue Scranton, PA 18504 Disposition Summary Docket No Plaintiff Defendant MJ-09301-CV-0000190-2012 Capital One Bank Joshua W Helm y~H Notice of JudgmentlTranscript Civil Case Capital One Bank v. Joshua W Helm Docket No: MJ-09301-CV-0000190-2012 Case Filed: 9/17/2012 Disposition Disposition Date Judgment for Defendant 10/19/2012 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. ~~ ~ 9'i~ Date Magisterial District Judge H. Anthony Adams ,:-`~„~ ~. pa!„ , ,~~ ~F"!«I fYMi `~ Wes„"'~~ certi t at t is is a true an correct copy o t e recor o t e procee ings containing t e lu gment. Date Magisterial District Judge MDJS 315 Page 1 of 2 Printed: 10/19/2012 10:27:22AM Capital One Bank v. Joshua W Helm Participant List Plaintiff(s) Capital One Bank Go Edwin A. Abrahamsen & Associates, P.C. 120 North Keyser Avenue Scranton, PA 18504 Defendant(s) Joshua W Helm 149 Newville Road Newburg, PA 17240 Complainant's Attorney(s) Attorney Michael F. Ratchford, Esq. Edwin A Abrahamsen & Associates PC 120 N KeyserAvenue Scranton, PA 18504 Docket No.: MJ-09301-CV-0000190-2012 MUJJ 3"15 Page 2 of 2 Printed: 10/19/2012 10:27:22AM IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. 4851 COX ROAD CIVIL ACTION GLEN ALLEN, VA 23060 : - f:`°' _ ___ Plaintiff "'"' "`~' -- . ? r - "cam JOSHUA WHELM :~:= ~? 149 NEWVILLE RD n. ~-~ :'4 NEWBURG PA 17240-9379 : _" `'`''' Defendant 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 to 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 entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER 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 vs. Plaintiff NO: Defendant COMPLAINT Plaintiff, CAPITAL ONE BANK (USA), N.A. , by and through its attorneys, Edwin A. JOSHUA W HELM 149 NEWVILLE RD NEWBURG PA 17240-9379 ,r. ~~~~:• ~~:~ Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, Capital One Bank (USA), N.A. , (hereinafter "Plaintiff') is a corporation with a principal place of business located at 4851 Cox Road Glen Allen, VA 23060. 2. The Defendant Joshua W Helm (hereinafter "Defendant") is an adult individual residing at 149 Newville Rd Newburg PA 17240-9379. 3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase 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 1725. 5. Use of the Capital One Bank (USA), N.A. credit card was subject to the terms and considerations of the Cardmember Agreement (hereinafter "Agreement"), a copy of which was 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 1725, 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 "A".) 8. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. (See, Cardmember Agreement attached hereto as Exhibit "B.") 9. The Defendant last made payment on October 14, 2011. 10. The total amount due and owing the Plaintiff including interest, is $3,568.87. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $3,568.87 plus costs of suit and any other relief as the Court deems just and appropriate. Edwin ~/Abrahamsen ~( Michael F. Ratchford, squi Attorney I.D. Nos.: 285 120 North Keyser e. Scranton, PA 185 4 mratchford@eaa- aw.com Phone: 570-558-5510 Fax: 570-558-5511 VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff, CAPITAL ONE BANK (USA), N.A. , am 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 r t what's in your willet] JOSHUA W HELM WHOOPS! Platinum Mastercard NEW BALANCE 53,320.58 Credit limit: 53,500.(p Available Credit; ; ~?9.w2 Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT =GOOD CREDIT REFERENCES ' BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) C~ 2(N/l (,alritar Clue. t^apisal (hrr i~ a frr/era(Jy m~isurrd -mrirr rnark. All ri;F a~ re~rrz,ed. It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. Page 1 of 2 1-100-903-3637 i~---------------- lan. 20 - Feb. 19, 2011 31 Da in &li C ' wtllrw.capitalone.com ' n ng ydc ; , ~ , o. ... ;, i~ ., ~\ '~~\ \~\~ MINIMUM PAYMENT WARNING: If yrou i~ crly the minimum paymem uvd, pedad, you wtll pay rme in etereu and R will takr you ron9w m p::y off your balance. Fw esa~fr~ `XXXX XXX1C XXXX 1725 Pa em Amount Each Period If No Ym Appronmate Time to Pay Off E~inatod vit:~i?1:u~•`•i'd:r ~`:a\e .;i;;. .;,Y.. Additional ptxges Are Made Statement Galante Total Cant i ~':` >i: \`u, ' y, v ~ : A1irJrpan PayrrcM ~--_ 70 YCars gg,gac ' ' It you would Ww ir:Fandtron atniA credit sa.•nsrling services, call'. -88fi-32G&'155. LATE PAYMENT WARM NG: d wr tlo not receive your rnnirtecm payrent AY 1yu dur ua[e, C ash Credit Limit: S1,5CO.Gp Y0v^aY Favrwpayal~etxe of up to g35.ai and y:nn APRS r. uy he inneas<d up to Mr Penahy APR of 75.a0°re. Available Credillrx Cash; S'~,?9.42 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance --- - ~ r--~ ~ ---- - i ~ 53,440.27 ~ _ 5200.00 -I- S8D.31 50.00 i ~ ~ I ~ + ( = I _3,320,58 i i I TRANSACTIONS -~ PAYMENTS, CREDITS & ADJUSTMENTS FOR mSHUA W HELM #1725 1 27 :AN Cap 1 DebitCardPhonePmt vtAhQate 21 ~lan (S1 Lb.OGi 2 0~ FER Cap ; GebitCardPhune l'm[ArAhDate 04-Feb (SiCO.GC) FEES i I 1 16 FEE PaA DUE FEE S35.OC i TOtal Fees This Period 535.OC Total Fees Thi<'iear S7C.OG ~'~, INTEREST CHARGED j INTEREST (}iAHGE:?'~JRCHASES 522.70 i '~i iNTtRSTCFIARGEJ+SH 522.55 ' TotallnteiestThis?eriod 545.31 Total Irderest this Year 591.05 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 Armual PercettWge Rabz (APR) is the annual interest rate on your acmvit. T e oT Balance Anretal Pero'ntage Balance Subject to ~ __ Rate (APR) Interest Rate Interest Charge PUrchzses 1 L90°'e P 52,25203 522.76 Cash 24.9C'!b? I S',(16fi.30 I 522.55 R EASE RETl1RN PORTION RECCIW WITH PAYMENT OR LOG ON TO WWW.CAPITALONEC:OM TO MAKE YOl1R PAYMENT ONLINE. 1 5178057658101725 19 332G58010000G192005 ~:i~ Account Number: 5178-057fi-5810-1725 Due Date New Balance ,...,..,,,, ,.. ,.,,, Amount Endosed T - - ~, ~ ~ ---- ----. --- ~ Mar 16, 2011 ~ $3,320.58 ~ .........,. ~_% _ ) ` . JOSHUA W HELR 2576 LINDSAY LOT RD SHIPPENSBURG, PA 17257-b536 lll~rllllrlullrrlllllylrull,rllll,lnllllllllflllllrrrlllrllr Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments • Review account information • Manage your account in privacy aooao6 Capital One Bank (USA), N~A, P~O~ Box 71Gb3 Charlotte, NC 2b272-LD83 nlllllvllrrnld~ll~llllllh~lluhr~llrl~lllrllrrllllllll~hll Please make Breda payable to Capital One Bank {USA), N.A. and mail with this coupon in the enclosed envelope. rbw can I arold paying Interest Charges? Each month you pay your "Ne,v Bala,ce" in fuN, you will have a minimum grace period of 25 lags with rw interest charge on a% near 11 purchases, 21 balance transfers, 3) special purchases and y other charges. If you have been paying your account in full with no interest charges appked ant you M nut pay your next Di% in fu%, prorated interest charges wilt be ass[ssed. mere is m grate period on cash advances. ssxerial transfers, 4r on any ra4w rransartion aanm there h an unpaid balance from a previous bi% How Is the Interest [borne app%ed7 Interest charges accme from the t) date of the transaction, T) date the [ransacdcn h processed or 3) firs; calendar day o! the billing pedod- Interest charges acme on every unpa'sd anwm; until is is paid in fu%. This means you may owe rest charges even H you pay the entire "New-Balance" One month, Dut 6d m; tlo su irx Me previous mm;h. I;npaitl interest charges are added ;o the proper segment of gout Account. Hoavever, we reserve the right r4 not assess interest rhdrges at anq time. [b you asset a MInI ...•.., kans~•r•st Charoi( Yes. A minimum INTEREST 04'sEGE of ED.SD av%I Ise assessed fur each biting period yoir account is wbjet! to an interest .barge. How did you Salculate the IrrterestCharoe7 there are several ralwla;ions that ere aced to deterrMne your total intwest charge. 1. TO get you Caily Baance: Fgr ea[h segmen4 t) Lake the bPgim,ing ba4nce and add m new transacions ant the ptriotlic IMerFSI charge on ;he previous days haiarace-'<j SrxM.ract any payments and crz-dis br!hat segmen! as of Ma! Aay tfie result is :he ttaily balance for each segrtuxd Nmv~•er, if you paid you rxevinus eapr,M's balance in full tnr if you tubnce aws zFro w a credit amountl, neav trzmactkans adlich pus; to your rwrchase or special purchase segments are rot added to the daay W.Wrces. Also, transactions that are wbject to a grace period are not addM to Me daily balances. 2. ID find your Average Daily ealanca f) add thF daily balances together and 21 divide :he wen by the umber cf days in the MIFng rytle. 3- Es[ima:e your Total Interest Charge: 1) multiply Your erage daily Ddance by the daily periorEc rase and 2j multiply the result by Me rorrrber of days ~n the billing period-NOTE:: Due to mantling 4r a minknum interest charge, this calculation may vary fmm the interest charge actually assessed. Floav can my radable Mnual perceMane Rate (APR1 change? Vour APIs may inrrrase or dPrreaye bayen nn One •t seven rtaneard :,dicey repo<!ed in : nF Wxn s.',,:F; ;nlm,ar Tn rrw svhirh index is used fur your accnunr, Inokfur a rode- IP, L, C, 5, U or F) on tl,e front of this statement nett tc the AFMUsi. Then check Me tahfe hPlnav~ Cade nrpd to your Mnual Percemage Raze (APR) Index which your rates are basaed on When yrwr Mnual Percerstage Rats wl% change P OwMYIy Prkna+ margin praviwsly disclosed to yvu The first day ur qua L Ouanerly t.IBOR+ margin pruvimsly disclnsFd b Yas billing peirods That C :;I:ederly CD+ nsergin previmsly disclosed to you ands ' rwwy, April, J" f3ankcard Prime+mvgin preaiously disdosud b you Julp Arid Ockrtxx. D Mmthly Fdma +rcargin previously disdascai b You Thehrst day d each F Mmthly LIBOR + margin pmrtuuay di Ansed m yen mmMly baling O - Bury LIBOR+ margin preciously vLCdos~ to you poriud. Ne there AddlBonal Fees aysoclated wIM ny accouart7 YES, order certain ckcunstarees, may be assessed d La!e m Re[umed Payrrr[vit Fee. You rz,ay dlso be charged ovedkMt fees if perm !ed try laav. 7ue r e the right :c not =_syess fees aviihou: odor no;ir.P ar,tl srf:hnut waiving ou right to assess a similar fee later. Huw ran I Close My AcmtaR"y Ynu mas' [lose Your account hY calling or avd:ing our Gsstomer Relations Deparment. At :hat ;ime, aw trip provide additional details including payment irdvmnation. It yen, use your credit eartl or charges post to roar accnurt after yw ask us to close it, swP can keep your amount open.To avoid paying any appficade mendsershirs }ees, cap to close your amount prior !o the end of :he cycle in avfiich it is scneduled to be baled. Wlya[ happens h nay Acrm,m k 5umerdedT We rt~dy :lose or suspend your acrow: artt! your right to obtain credit at any !kr,e and for am,• reason, even i! you ere not in tle!ault. Art aunt wspenzinn ran tar permanent 4r terrgwrary tl your account is closed ur wspended '~ '; !)stop using year credit card and account, 2) car,rFl all automatic payments, 31 destroy all credit carts and access checks, and 4) pay a1 amounts yw uaam us, even'r. Mey avere charged after Me account was [Ipsed orsuspended- How do I Make Pamaenls7 Payments quo mail !u us avill be cmtlited to your account as of :tae business day err receive it, as Innp era: 1) you send the bonnm portico of this Statemen! and your check in the enclosed rFrni[tance erwebpe, and <) your payrnen: is received in one of our ixccessing centers ty ,pen local time. Please allmv err IPLSt (7) buyiness days fur mail delivtty. Mailed paymFn:s received fsy us a: any other location ur 4, any other form may cwt be credited ay of the day acre receive Mem Do you Pyocess Paper Checks as an nxtrordc Fl~sds Tran4erT When you provide a d,erk as payment, you autf Wr¢e us zrq our agerYS eiMer t4 use ilf4nnation fmm ycv [Erect to ma6Y a one-~rre eleetror:c fund transfer fmm your tleposi! accoun! nr to process Me payment as a checktransaction. When ase use information from your rhe[k to make an electron'[ f,id transfer, funds rnxy ba withdrawn fmm your deposit a¢cunt as soon az [he sartm dap we eve your payment and you wiq not rece've your check back fmm you finarcizl inzzitunoa Your autlwdza[ion is rot lin,itetl b1r the date on :he check We mag reubmit and erectronka%y cogect Me renm,Ftl payments. slWyet M I filefa BenWwtcrT If you are entitled to bardmptcy protection, d,is kation fs for inromaatiun nMy, it is nut an attempt to ro%ect, assess nr receier a dent ur claim Oc trot send us paymen avithout speaking aveth your bankrrsp:<y an4rney or the 6ankmptcy Court. q yw a you atturr,ey avoultl like!o con[a:l our Wnkruptcy claims serrices tsrrty,pleasecontrtCapiblOne PO6nx85tb? Richmund,`:A232345167 ®LLING PoCrFfTE SUMMNtY (pees No! P{,ply to Small Ruainesz :acroun[si What To Oo If You Thkrk You Find A Mistake On Your 3lataarnt 17 you think Lhera is an n Your statemem, ardte to us at Capital One P:J Box 3D2 BS Salt Lakr City, UT 89130-D21C. In your lent., give us the fogowk,g infrntnati4n: Account inionnatiorT Your nxrtse and a¢mm: nunber. ' wrdr axiwpnt: TAP dogar dm4Un; 4f rhP wspectfd Ctmr. Description of Pmblem~ H you Mink there is an error on ynw hal, describe avfiat you be&ye is avrong nrM avhy you beBere it is a rrussake. Y rotor contact us witltin H days a`;er the crier appeared cn your s;a!ement. Y~ must notify uz of any potential errors in avdtirw. vuu may call us or notify aw electmnica%v. but if you ~ eve ere not repaired to irneytigate any potential cows and you may have to pay Me amnrmt in gneytinn Whge we iravesdgate avhPther or riot there has been an error, the to%ovvktgore rose: W'e canner try to collect :he amount in quesien, nr report yon a=_ tlAingrsent on that amcsnt. The charge in ques!ion may remain cn your statement, and we may continue to charge you interest on that amourrt. But, R sve deterrrene that eve made a motake, you avill not have to peg Me amount in question or anq interest or other fees related to that amount. iM,lk yea do not here to pay the amount in qua[iun until we send you a na're dtwut the outcome of au irnesiigarion, you are respunsiblefor the rerreinder of grout balance. We can apply arty ur,p•d amount against your [rest limit. Your PogMs d you Are gssatlsfled WiM Your Credh Card Purchases. H you are tlissatis!ied adth Me goods or seraica that s u have pwrhxsed aviM your cre6t card, and you hate tried k, good fa%h to correct the prodem oath the mercham, gnu maq have the right not to par the 'nk,g amoum duo on MF purchase. To use this dgh; a% pf ;he felloavv,g must be ime t- The p,achase must nave been made in your name stare or within t OI1 miler M your Curren: roofing address, and the puchase prie coos: nave been more than ESD. (Note: Neither of Mese are necessary B you puchase avers based on an adYertisemen! eve mooed ;o you, or if we own Me company Mac sold you Me goods or services.) 2-Yuu r:xnt bare used your credit cant for the purnase. Puchases made avi;h rash advances from an ATh1 ur with a check Mat asesses your credit rartl a[:ount rb not paalify. 3. You must cwt yet have fully paid for the pumhase. If a% of Me critedd above are me; and you are still dissatisfied aritn ;ne purchase, contact us in avdtinn at: Gpi[al (Me P.O Box 30285 Sal[ lake City, UT 89s,3~028: V:hik ore irnestigate, Me same rules apply to the disputed amount as discussed above. After ore tirmh cu irwes!igaocn. eve will tell gnu our decision At that point, if we think you owe an a . u,t and gnu do not pay eve may report you as delklprent. Capital One vapprMS iMmmstion rxn~ary protection: see our avebsite a: svavzv capitalcne tom Upi!al One is a federally registered servile marl[ of Cap'ral One Financial Crnpwra;ion. All dgh:s reserved g. 2Dt D Capital One TC.-ns Dsotno Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ........................................................... Q Alternate Phone ........................................................................................... E-mail ~;~ Address ........................................................................................... Please print address or phone riumberchanges 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.tapitalone.tom Page 2 of 2 1-t100-903-3637 ~~- - -- -- ~I, WWW.CaPitalOrlB.[Om ~ ~- Jan. 20-Feb.79,2071 31 Days inBilirgCyde j caQ c$~~a ~.. •~: ~ A ~~~ ~ ---- i . •, •. Platinum MasterCard • ~ • • •• • , , . Jo0oc-XXXx-X)DOl-t725 Credit limit: 53,500.OC ' I NEW BAL • ' ' Available Credit S7?9.4? I ANCE :1~;; ~1 .. S•t>;c,ci\ : ;:1 ~•iil$; Cash CreditlhniC St,50G.00 i $3,320.58 ~;ti,^^ :cr°t i - ~ _ ~• ~ •• • • ~ Availabe Credit fir Cash. S 1?9.G2 i Previous Balance Payments and Gedits Fees and Interest Charged 7ransaRions i New Balan ' - ~ ce 53,440.27 ; ,. l S2DO.OD + ~ 580.37 ~ + 50.00 ! 53,320.58 i (TRANSACTIONS CONTINUED 'fou ~rcere assessed a past due fev-because your minimum payment r,~as not re:eived by the due date. i o avoid this `:ee in the vture, ~.ve re:ommend that ; ou alln;.~ at fast 7 lwsiness days for your minimum p~aymeni to rea:h fapital One 1 Always at your service ... ~,,r~~.. At Capital One', we're here for you day or night, No holding on the phone. ND waiting in line. Simply choose a service ... • Capital One text messaging--enroll and get the latest on your account • Card replacement-when it's damaged or not working • Travel notification-the easy way to let us know when you go • Pay your bill online-save a stamp, save a check, save the hassle Log into www,capitalone.com to take advantage ofthese and other on-the-go services. 500602 Page 1 of 1 1->f00-rJ03-3637 l~ ---------------, wvuw.eapitalone.eom I Feb. 20 - NIar.19, 2011 18 Days in Bigirg Cyde I MINIMUM PAYMENT WARNING: d ym.~ rrNke only thr rrininum payrnen[ eadt pedotl, you Platinum MasterCard XXXX-)OOCI(-xX)0(-1725 wdl pay rtore in 62tgezt and it will taY.e you longw m pay aN yom balance. For exa+ry~le: paymem Amoum Each Period If No Apprmdmate Time to Pay Off Estimated ~'~ NEwBALANCE MINIMUMPAYMENi DUE DATE AdditionalChagesAreMade Sta[erttentBalance taalCost $3,146.76 $72.00 Apr 16, 2071. htinimumPayrrcnt DYears 58.585 ~ 51'•~ 3'rear; 83,954 rtrasc ras~ ,t tetisr THIS nraatNr Yore estimated savings if you pay off this balance in 3 years: 54,595 j i ~ Credit Urnit: 53,5(1(7.(6 Cash Credit UInR: S1,SC0.0(: If yw noultl Eke irrtamauun afoot ^edit ca~r;eting services, cag'~. 666-326-8055. AvailaUle Credit: 5353.24 Available Credit rur Cash: 5353.24 ~+Tt PAYMENT WARNING: If we do nut retrive your rinirum payrent b} your cue date, '----------- -------------- ----_. you gray have m pay a late tm of up m 535.0) and yes APRs nay be in~easetl up to the j Penalty APR or 29.409E. Previous Balance Payments and Credits Fees and Interest C1larged Transactions New Balance -- ~ . ~ ~ ~ 53,320.53 ~ _ ~------------'~ 5250.00 i + 576.16 ~----- ---------: ~- ~I f + f 50.00 ~ 53,146.76 ~_ RANSACTIONS ~' i PAYMENTS, CREDITS 9 ADIUSTMENTS FOR IOSHUA W HELM #1725 1 18 h'J~R Cap' DebitCardPhonePmtAuihDate 1a-M1.4ar lS250.COi i I FEES I 1 16 PA6.R PAST 9UE FEE 535.00 Total rtes This Period 535.OC ' Total Eees this Yeal 5105.00 '~~ INTEREST CHARGED i INTEREST CHARGE'PURCHASES 5X.43 ' iNTER~TU-iARGECFtSH 520.7G Tote! Interest-his P=rind 541 13 Total interest 11i;'!ear 5132.23 i I You mere aressed a past due `ee betaur yaur minimum payment w•as not receioed by C the du=date. To a.~id dos `ee in thr_ ha0re, sae re;ommend that you allow a[ Isar[ 7 ! business days inr your minimum payment to leach Capital One 300026 Always at your service... Pay your hill online and take advantage cf these and othe• on-tFe-go services: • Capital One text messaging • Card replacemern • Travel notlflwtlon -' r -- Log into www.capitalone.com to take arvanrge ofthese and other on-the-go services. INTEREST CHARGE CALEULATION Your Annual Percentage Rate (APR1 is the annual interest rate WI your acmtrrt. T e of Balance Annual Percentage ~ Balance Subjed to Interest Charge -- Rate (HPR) - Interest Rate Pur:hases 11.9095 P S2, )_43.7? -- 5X.43 Cash 24.90'/o P I 51,0.~i.83 I 520.?C Po_FASE RETl1ftN I'OHTION REI_CNN WITH PAYMENT OR LOG ON TO WWW.CAPoTALONECOM TO MAKE YOUR PAYMENT GNLINE. 1 5178057658107725 19 3146760250000072008 `~a~~ Account Number. 5178-057fi-5810-1725 Due Dete New Balance Minimum Paymart Amouni Endosed Apr 16, 2011 ~ ( $3,146.76 ~ i $72.00 ; PLEASE PAYAT LEAST THIS AMOUNT GO GREEN. SAVE GREEN! Pay online and save money on stamps. Sign up at www.rapitalnne.com JOSHUA W HELM 2576 LINDSAY LOT RD SHIPPENSBURG, PA 17257-8536 Irr~ll~hlr^rllllhll~hrl~l~ll~llrnllll~rl,lnllllllrulrlllll ~'. -V 400008 Capital One Bank (USA), N~A~ P~O~ Box 71063 Charlotte, NC 26272-1083 nlllllrllhrnlllr4~hllllh~lln4~~llrl~lll~ll~rllllllllrhll Please make Breda payahle to Capital One Bank {USA), N.A. and mail with this wupon in the enclosed envelope. How can I avoid paying Imerest Charoes? Each month you pay your "raew Balance" in f,Ak you triY have a minimum grace period of 25 days with nu imerest charge on aN new 1) purchases, 2) balance transten, 3) special puchases end <) other charges. p you have been paying yqur account in full with no interest charges app&ed and you tlo not pay your next bill in fuN, rxora;etl interest charges volt be as=.rssetl. There n ro grace pedod on cash aManca, y,ecial transfer, a qn any nor tmrna:rign whin MPrr is an gnpam balance from a prw.ws biN How Is the lmerest Charoe applted7lnreres[ charges accrue from the 1) date of the trxmavion, 2) date the nansaai4n is pncesutl or 31 first calendar day of [he bBBng pedod. Interco charges acme on every unpaid an,oun: until it is paid in full This means you may owP rest :barges even r.' qou pay the entire ^Nmv BeWnce" rme month, but did not do so f« the I,revinus month. Vrtpaid interest charges are added to the proper segmers; of your Acount. Hntverer, we reserre the right m not assess interest charges ai any time. Lb you assess a Mlnlrnrm k,terest Charnel Vea_ A miNmran INTEREST CHAfGE Of 5656 tvNl be assessed tar each biging period qou account is subject to an interest .barge. Huw did yvu Calculate the Irderest Chame? !here are several calculations that are used to detrrmkre your total interest charge. 1. To yet yow Caily Balance: For each segrrsent, 11 take the 6ngirining Mlxnce and add in new :rrnaaiuns and the periodic inreresr charge on :he previous der j s balance. 2j Sr~,:ract any payments amt credin for that segment as c! Thal Aay. the result is List- daily balance for each uymerst. Huwcver,'d you paid your previous m«rh's baWncr in full (« if y4« balance tors zero 4r a rredi; amount), new transac[igm wfiich post to your purchase or special purchase segmart-, are not added to the daily balances. Also, transaaigns that art sut,ject ro a grace period are no; added w the daily baances. 2. io tied your Average Daily Balance. 1) add the dotty WWnces tngrther and 21 divide the win Dy the number nt days in the t»Ifing r. ycle 3. Estimate your Total Interest Charge: f) multipF/ your erage daily balance M the daily periodic rase and 2j muRipty the rezutt by ;he number of days n the baling pedod. NOTE: Due to mulling or a minimum interest charge, thh calcula!ion may vary from the interest charge acuaNy assessed. Flow can mY vadable Mnual Percantane Nate (APRj change? Vour APR may irrrease nr decrrasa based on nne of seven standard indices reported in The M/ H Sfreetfvmsal. To till which indexe used foryaa account, Inukforac~de!P, t,C S,UOr F)on the front of Mis statement next to the AFWsi. Then check :he toile below: Code nerd to Your Annua! Poruntage Raze (APR) Index which yggr rates erns based on When your Annual Perserrtage Rate will change P Owrterly Prime - margin pnriwsly discbsod [o you Tha first day d flp L C .rterly LIEfGR - margn previously,,^'isckr•ad to you billing periods C~a[ C t,usAurly rx1 ~ rnaMgin pnviqusly disclowd to you and in January, rlphl, S" eankcard Prirne • margin preciously disdoscd to yw July aril Onbber. D tamMly Fnma +nstrgin previously Cisdosad to you Thq fir=_[ day 7 wch F MmMly LN3CR . margin pmtsously disclosed h, yew monthly tiding G arty LN?CXx i margin pressuusly diacbseci b you pndnd_ Are there Ad~tlgnal Fees aaoclated with cry accotast7 yes, antler certain circrmstances. you may De assessed a Late nr Resumed Payment Fee. You may also be charged enredirnit tees it pertnit!etl ly Iota We resen~e the right to not asses: fee=. aviihqu: prior no,rcP and avithnut vaiving our right to assess a similar tee later. Flow [an I Close Mr AccatarN? Vou may close qou! ettnunt try calling or mi:krg our Customer Relations Department. At ;hat time, ve J provide additional details indutling payment inforrnatign. If you use your uedii card a charcps post to your acmrmt after you ask us to elnm it, the can keep yo« account open To awitl paying any appicatde membership tees, cxN w close your account prior to ;he end of ;he cycle in which it is scheduled to be WNed. 4Yltat happerw H ny Ace«.rst Is Sr,scsrr6A? We may :lose or suspend your account arN your right w obain credit at any time and f« anp reason, even i` you are rwt'rr default. A:cuunt suspension can tse pemtanc-nt « rernp«ary Ii your account n rlosetl nr suspended qeu must 1j stop using ynr credit card and a:cnunt, 2) cancel aN automatic payments, 31 destroy all credit card> and access checks, and 4) pay all arrrnurrts you usve us, even h ;hey were charged otter me arcnnnt tray dosed nr suspended. How du I &[ake Pawwds? Payments you rnxd to us tvilf be credited tq your account as of :he business day sr receive it, as long err ')you send the bottom porien of this statement and your :heck in the enclosed remittance em~elope, and 2j your payment is received in nne of our pocening centers by Sprn focal time. Please allow at leas[ p) business Rays for mail deliverq. Mailed pzyrrrtn;s rereiued f % us a. a i other location or in any nMer tarot rnav not be:reditetl as of the day yse receive Mom Uo you Rocess Paper Checks as an Electrordc Funds Transfer?When you provide a check as payment, you auttwrize us and our agena either to use 61f41Tlation from y4r: check ;o make a onetime elecirorlic fund tramtertmm yOUr deposit account nr to pocess the payrrrent as a check transarion When wr use inf«ma:ion from your cMck to make an elrceronk t«,d transfer, funds may he withdrawn hnm qou! tlepos'r, account as soon as the same daq the rve yqur payment and you twN not receive your check back hnm your finarv:ial insti:urine. Vou auModzation n rot Yneted by the date on Me check We may resubrNt and electronically collect Me returtretl pnymc-n;s. What M I Nle for BardOtotcy? tt you are enthleA to Dankmpq• protection, this communkation a /« intormati4n nNy, is rot an at:Pmpt to ;:Wlect, risen or recover a deb: or claim Do !rut send us pxyriemn without speaking with your bankruptcy attorney «the Bankruptcy Court N you «yow attorney twultl Nke to contact our bankmptcy claims servicer Aire; ilY, please contact Capital One ~ PD &,x 36285 ~ SaL• Lake Gty. LlT 841346285 fNLIIhKi PoGF11"5 SUNYNNH (Dees Not Apply !o Small Business A[cnun[sl What To Uo It You Ttrkik Yrw Find A k5stake On Vour Statement It you think ;here is an of Cn yon! sldlPrtlem, txi[e t0 ui at.- Capital One P. p. cox 3tt2B5 Salt Lake City, UT 84'.3Gt)e% In your Letter, rjve us the fnpnv~ infnn _ Account cHOnnation. Vo« n and acco'ur«itt number. Ibllar arrrounr. The dgNdr artWUn: 4f 1hP wspecttd ctmr. fxsvigdon of Rotgerrr tf you Mlnk there is en error on your hill, tlescdbe what you befeve is wrong and tM1y you begweh is a rnb[ake. You must contact us withkt 60 days after the veer appeared on y«n statement. y'rnr must ngNlq us W any potential erron i, wdtinn Vou may rail us or notify us ekrtmrp<aNy, but if You do tr are cwt required to irvestigate any potential en«=. and you may have to pay [he amount in quesik,n. WhNe we imes:gate whether «not :here has been an error, thef Wlosving are tme~ W'e cannot try to cnYect the amount in yues;ten, er repo!: yrou as tlAinquent on that amount. The charTe in questi«, may remain on yew statement, anA we may continue tc .huge you interest on that amrwm. But, rt we determine that the made a mistake, you sill not have to pay Me amain: in question «ary in:rmst nr other fees related to shat amnunr. :Nhile you do not hm to pay the arn«sm in question until we sell you a notice about the nuts«ne of nor im•estigauon, q«r am mspnnsble for the remainder of your halane'e. We can apply arty urtpaid am«am against your credit limit. Yow RIghK d You Are Dlssatlsfletl Wlth Your f~retllt Cant Purchases. N you are dissatisfied wtM M2 gopAs Of f°wkes ihdi y«, have parch2yed arlth y4nr Credtl Card, and yon hdrP tdPd In goad faith to c«rec: [he pmdem with the merchant, you may have:he right not [o pay the remaining amoum due m Mr purchase. To me this dgh;, all of the follotdng must be tmr. 1. The Vuchase must nave been made ks yqur home sta:x or wi:h'm 166 mien of your cunent mating address, and the purchase pd:e coos; have been rngre Man E56. (Note: Weither of these are necessary B yov purchase tors based on an advertisement sae mailed to you, or if we own the company Mat sob qaa the goods or services.) 2. You must have useA your creAit Call for the purchase. Purchases Trade ankh cash advances tmm err ATM or will a check that accesses yous credit card account do rot qualify. 3. v ust not yet haw Ludy paid for the purchase. If all of ;he cmeda above are rrer xntl you ere s;iNrdissatisfietl Stith the purchase, contact us in w=angora Capital One P.O. Box 362% Salt lake City, !lT 84136-G28E Vihde tax investigate, the Sartre rules appy to :he disputed amount as discussed above. After we f ir,ish Our irwestigad4n, we trig Lett you our decision At the; point, if we think you owe an aryrount and you do not pay the may report qou as deinquent_ Capital pot vapports irA«m,[i«, rxkacy protection: s vebsite a; wsrv. capitakme mm Upital One is a federally registered service mark of Capital Una Financial Corlwration. tall dgh;s reserrrd = 201 G capital one T t -0B 6 yD1l1 G Changing Address? Address ................._........................................................................ Home Phone ..................... _-_ Alternate Phone ........................................................................................... E-mail Add ress ....................__........-'-.............-........_................................ Please print address or phone numberchanges 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. ~ r 500006 [~~~;rt.,ay°°r""~~" It could happen to an one. Make sure ou a the amount Y Y P Y JOSHUA W HELM due on your statement as soon as possible. Keeping your credit in good standing can wN~OpS, 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) C) 2(X/) C;aPitai nnr. ('npisnl Chtr u a frdrrv/.7y rccistrrr! rrrz•irr mm k. AU ri;hd~ mrrxv.~d Page 1 of 2 1-BOQA03-3637 ~------------- WWW.CapltalOne.COm Mar. 20-Apr.19,2011 310aysin6iAingCyde ~ ~~~ ~~" ` ~ ~~~~~~ MINIMUM PAYMENT wARNINCt r'tiu make onlythe ninim~m paynuw![ eadi perkrtl, }au 91 i i t d i ill k Platinum MasterCard XXXX-X)000-XXXX-1725 v, pay more n r erest ai w ta e yoi. bnger m pay uFF your balance. For rrarrpk: paymerR Anmum Each Period tt No Approrurrrate Time to Pay Off Ertimated NEW BALANCE .^:;~i+?~i~`i'h~~~~\;~ „~;t;~;~t' Addi[ionalChxgesAreMade Statement Balance Total Cop $3,225.43 _. ; x; ,, ~ ;;~ ~ . w ~ 1 h9inimum PaprreM 2U Years T 38,U48 i If you vwuld kke inFornWion ahorX aedit ccunzeliny sen~zn, cal!'.-8&i-326-8(155. LAtE PAYMENT WARNING: R we co nut receive parr rririmim paynent hY your ~+e dale, '! Credit Umit: 53,5(:0. W Cash Credi[ Ulnit: S 1,5CO.OC y°i ~y have m pay a late fx M ~p to 535.00 artl your APRs nay be irneased up to rFe i Penalty APR of 25.e0M. Available Credi[: S2?4.S ~' ---~---------- Availahle Credit for Cash: 52?4.57 ----------------~---- i Previous Balance i Paymerm and Credits Fees and Interest Charged Tratsactions New Balance 53146.76 - _ __ ___ SD.DO ) {- 578.67 ~ + ( 50.00 ~ c I 53,225.43 ~ • ..... _._ . _.. .... ...... .., I ', - 'irRANSacnoNs PAYMENTS, CREDITS & ADJUSTMENTS FOR JOSHUA W HELM #1725 FEES i 1 •6APR 'AA[Yv~f~t 535.00 Total fees TMs Period 535.00 Total rees This Year 51400C INTEREST Ct1AFtGED i iNTFRESTC}+ARGr.PUP,CHASES 521.43 i j INr~RtsTaAR~~caSH s2z.z4 total Interest this Period S»3.67 i I Total ins?rest ?his Year 5175.9C Help is Available. lust 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 arvlual interest rate on your acmrrd. T e of Balance Anlwal Perceltage Balance Sut)jec! to ~ Rate (APR) Interest Rate Interest Charge Pur:hases 1t.90`YnP 52,12Q92 52L43 Cash 20.90%P ~ S1,CS1.40 522.24 Transactions continue on page 2 Fl_EASE RETl1RN PORTION BELOW WfTH PAYMENT OR LOG ON TO WWW.C-APITALONE.COM TO MAKE YOUR PAYMENT ONLINE. `~ap~ Account Number: 5178-0576-5810-1725 Due Date New Balance ,....._~.... .-._ Amount Endosed May 16, 2011 ( $3,225.43 ~ ~ .._,...,. ~ --_--- , i ~ _. ~~~..s _...,. JOSHUA W HELtI 2576 LINDSAY LOT RD SHIPPENSBURG, PA 17257-8536 rlllilllllllll~Inlrlrlllhlu•nlrll~rlllllrllnrrllllrlhrh 1 5178057b58101725 19 3225430250000182009 Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments • Review account information • Manage your account in privacy aooooc Capital One Bank (USA), N~A. P~O~ 8ux 71063 Charlotte, NC 24272-1083 nlllllrlll^nlllrlrhlluh.llu4~~ll~lrlllrll~~llllllllrhll Please make checks payable to Capital One Bank {USA), NA. and mail with this coupon in the enclosed envelope. liow can I avoid paying INerest Charoes? Each mun!h you pay your "New Balance" in rul4 you will have a mirdmum yrace period o! JS days sviM rw intelESt charge on aW nc v 11 purchases, 21 Wlame transten, 3) special puchases and 4) oMer charges. If you have been paring your attoun: in foil sviih no in:erer, charges applied and you rb nut pay your next bit in full, Ixoa:ed interest rh=.rges soil be as=.esseA. There is rm grace period vn cash advarxes, serer=ia! tranzlers, or on any nets rrznsartion svlserr there is an unpaid halancefrom a prcaiuus bBl. liow Is the INerest rnarue apprled7lnterest charges accme !rom Me t) dale of the trarnactinn, 2) date the transaction is processed or 3j fast calmtlar day o! the billing period. Interest char yes acave on every unpaid arrpun; until it is paid in fuq_ this means you may owe rest charges even "r you pay the en:ire'YJ esv Br.Wnc^" One month, but did no! tlo so for Me Ixeviuut r-ron;h. Vlyaid interest charges art atltlra ;o the prtrper segment o! your A¢ount. Hvwerrr, ore eeserve the right to not assess interest charges at arty [ime. [b you asseu a rWnlman Mferesl Chame7 Yes. A rttirranim INTEREST t7lzsrtGE of SD SU tvkl tx= assessed far each hiNing pedutl you zccoun: is wbjec? to an in:xrest charge. I-Ww did you Calculate the IM est Ch T There are several cakuk:;ions that are used to determine your total interest charge 1. To yeC your Daily Balance: For each segmen?, 1) take Me begiming balxue asd add in new ;rrnsac:ions and Me periodic interact charge on ;he previous day's balance. 2) Sutr;ract any payments and crdin for Mat segmen! as n! [tier? day. 71te re>ult is the tlaiy balarue for each segmerrc Hosvaver, A you paid your previnut months Falance in full fm it you halame tors zero 4r a credit amounn, new hansactiom wfiich post to your purchase or special purchase segments are not added to the daily bclarues. Apo, [ransactivm that are vrbject m a grace period are no: addeA to the dally balances. 2. To find ' wage Daity Balance. 11 add the daily balances rogether and 21 d'witle ;he sum by the umber cf day, in the billing cycle 3. Es[ana:e your Total Interest Charge: 1) mWtiply your. erage daily balance try the tlaiy periodic rate and'<j rnultiply the result by :he number oe days n the Filling period. NOTE Due to rouMirg 4r a minimum interest charge, this calnrla!ion may vary frorn [he interest charge actually assessetl. Fbw can my variable Annual PerceMane crate (AIrW change? vow APR may irlcrea:ear decreasa based on one of seven =.tandard indices reportetl in'he N:ak Street lovnsal. To fintl which index used tut yor unr, bokfo code-(P, L, C, 5, D or F) on the front of Mis statement next :v the APWsi `Then check thertable belwv: [brie nett to Your Annual lsercerrmge Rate (APR) Index vfifch your races are based on When your Annual PerseMage Rate wIk change P Quarterly Prime+r!wgin praviwsly disclosed to you Thefirst day dkie L OuaAerty LN30R -margin Reviwsly discl5ed to You filling periods did C c^,uarlerly Cr.1+ margin previwsly discl4wd [a you md'm Jatwary, Aphl, 5 eankrard Prime+matgin pranousty disdosW ~ pw July and Ociv[rer. D fAmthly Fdrta+mrgin pravioudy disdnsed fo you Thafirst day drvch F Mmthly Lk30R + margin prossousty dixlo d Iv yor mmMly pilling i; ~ raytry LI@OR+ margin pmnvusly disdvsed b ya perod. Are there AdMdonal Fees associated wHrt ny ac[otntT Yef, antler certain circtanzfances, may Fe assetsee a Late nr Retrmed Paymsr Frr von may ahn he cnarged nrerBnic fart if pertni?led M law `lye reserve :he right :4 not assess `ear withpu: prior notice and widtnut svaating our right !u assess a similar fee later. How ran I Clnsr Mr A,rmsrd'r Ynu may dote your account by calling or svri;alg our Customer Relations Department. At Mat timer, sve vsiN provide additional details including payment in'arrratinn. If yen redit raiA car charges post to your account alter you askm to elnse it, the can keep yvurraccvunt vpen.To avoid paying any applicable memheMip fees, caN tv close your account prior to Me end of ;he eyrie in which it is seheduMtl to be tiled. 41Mat happens H nyy Azrm.M Ic c. a»mbAT `Ne ma V dose or suspend your account and your right m obtain credit et any [erne and for any re even k you are not in default. tiroun: suspension can be permanent 4r ternfxrraryalf your account h cbsetl car wsrrentleA : !j stop using Ynur credit card and account, "<) .antel ai automa?ic payments, 31 destroy ell credit cards and access checks, and 4) pay a8 artrountz you owe us, even rt they were chargeA after the account war closed or suspended. How do I Make Pamtwds? Payments you mail !o us will be credited to you account as of ;he nosiness day we receive it, as long as: 2) you send the Lto?rom porien o' this stxtemen! and your :heck in the encbsed rerni[tance emebpe, and 2) your payment is received in one of our Ixocessin7 censers by 5r>rn weal time. Please zlloty at Irzst Q) business days for mat tlelivery. Mailed payments receivetl fxi w at a t other location or in any other form rna_v tore pe credited as of the day we receive them- Do you Rwess Paper Checks as an FJectroNc Ftmds TrarrsferT When you proritle a [[task as payment, Yots aMttadze us and Dur agents either t4 use information from yore Cteck b mike a vela-:atte ekctroric fund tramierfrom your tleposi! amoun! or to process Me payment as a check transaction. When rw use irrfnrrnation from your check to rmake an electrwrk 1ud transfer, fords may be withdrawn frcxn tour tleposi; account as soon as the same day we ewe your payment and you w+p not receive you check back from yora finarciA arstitution Your authodzalion is trot itrited by the date on ;he check INe may resubmit and ekcror:caay coke[[ Me rearmed payments. Wirt M I file for BaMouptcr7 d you are entitled to bankm p!cy protection, this rication b to adomvs?ivn ordy, i; is nut an z:;empt to collect, assess u recein a deb, yr clxr'rrs Do rot send us pxymmn without speaking tvkh your bankruptcy attortMy yr the earduuptcy Cwrt. k you or you attorney wtwltl fike to contact our bankrttp?cy [berm servicer tlirecily, please rooter[[ ;apical tJne ~ PO 6vx 3g2ti5 ~ Sal: Lake City. UT 8423(121285 PoLLINtG PoCi1i5 SllBakaARY (Dyes No! A{+ply to Small Business Acc:wn[s1 WFwt To Do If You Thkak You FindA Mistake On Your 5tatenerrt If you Mink .Me p art nn your statemens, write to us at Capital One PO Box 3[12&> Salt Lake Chy, OT 84130-D265 In your tarter, give us the !vMwirsg information: Account infonnatiort Your name and account number. DoNar armunT The doWr al-roan; 4f the susprted crmr_ Descrirtinn of Prohlertr Y you Mink [here is an error on Ynur hill, tlesdhe what you bekeve is wrong and vrhY Yw btieve it is a rnbtake. rtan[ contact us witfim B days abet the ener appearad on Ynur stale ant. "w cast no[ilq us of any potential armrs err tvdtirm. You may call ~n cr:iry sn ekctrorsicaky, bu[ h you do tw zre rot required [o imeztigate amp potential errors and you rttzy have to pay the amerce[[ in cpsestkrn. lNhke are im`esdgate tvhethn or not there has been an error, thefolbwing are mr~ W"e canoe[ ry to corett :he amount in question, nr report you as delinquent on that ameunl The charge at grsesfivn may remain 4n rear statement, and we may continue to eFarge you interest on that amount. But, k srE determine tha! tva made a mistake, you will trot have io pay Me ammo: in quesFon w any interest or nMer fees related to that amount. ~Nhile you do not have to par the amount in question until we card you entice about the outcome of ou irwestigation, you are respunsiblefur the rwreintler of your halarxe. We can apply any upaid amount against your crest limit. Your PoghLs d Ypu Are gssaksfled WIM Your Credh Card Purchases. k you are dhsatistied tvidt the goods m carries :ha; you have purchased with yore credR card, and yru bare tied at good faith to cure[;the problem urith the merchant, you may have ;hr right not tv L'iy the remaiMng amount due vn the gachase. To use this fight, xN of Me follwvatg must tx tme 1. Tree pucftase must have been made in your haute state or wi;nin 10.1 rots of pour [anent maikng adtress, and the puchae price roust have been rnore therm 550. (Note: Neither vt Meze are necessary k you purchase seas Wsetl on an advertisertlen? we mated to you, orif we rmm Me company Mat sold yar Me goods or seruics.) 2. Yotl must have used yvu crMh cant for the purThase. Puchass [made tvkh rash advances from an ATM yr with a check drat :[[asses your cre(Tit carcl aecrxrnt do trot quagfq. 3 Yuu rmnt nN yet has? fogy paid for the purchase. If all of Me cdtedz above are met ant you are still dissa;isfietl kith :he purchase, [voter[[ in in~at: Capiul(kte P.O Box 3n2% Salt Lalu City, UT B4!30-02&5 V:hie we awes[igate, the sarme rules apply to the dispu[ed amwmt us discussetl above. After the f iNsh 4u irwstigati4n, we will tell yvu our decision. A; That wint, if we think you assre an amount and yvu do not pay wr may report you as delinquent. Capital One supports information privarv protection: s svebsitu a; anxv eapitakrne rom capital One is a federally registered servae mark o! Capital ~Orre Financial Corporation. AN rights reserved?:; 202 0 Capital One I G08 03rt)ai t 1 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ...................... --. Alternate Phone......- .............._.... .............................................__........... E-mail ~:~ Address ......................_..__................._.................._..................-.. Please print addressor phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope 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 vvww.capitalone.mm Page 2 of 2 1-tlOQA03-3637 ~~ -----? i www.capitalone.com Mar. 20 - Rpr. 19, 2011 31 Days in Bi9irg Eyrie ~ ~ ------------------ ---- i ~~~~~ _ __ I ~ ~`~~~VA~ n . „ ~ ~ v. .,.. a sa. A~\~~~ ~ Credit limit: 53,500.00 ~ i Platinum MasterCard )OOCX-XXXX-X)v~0(-t725 NEW BAUiNCE ~,;~; ~='si~•`• ; ; ~~ \` ~ir ~, ' AvailaNe Credit: ,2?1.57 i `~ ~;~ t ; ~~ ~ Cash Creckt limit: S ;500.00 i $3,225.43 $'i........ ;~;;y' ~: :: S i AvailaNe Credit for Cash: S2?5 S7 . '~, ----------------------- --- - ~------- ----------------- Previous balance Payments and Credits Fees and Interest Charged Transactions New Balance 53,146.76 ! - 50.00 i } ( 578.67 i + 50.00 I 53,225.43 i ~-----' ---------J `----------' -------~ (TRANSACTIONS CONTINUED +uu r:ere assessed a past due fee because yore minimum payment ~r;as not received by die due date. fo asr,~id this gee in the future, .re recommend that ; ou allax at least 7 t~usiness days for your minimum paynrent [o reach capital ~]re Capita/!^-~~- wltaYS in your wa/let7 soooos LET`s TALK -WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One; we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. C~ ?009 C'ap(tal Uur. Capital Une is u frdet~lFy rrgisrrrear seruru mark. AI( right rarrved Page 1 of 2 1-i00A03-3637 ~ -------- ------') wtnrw.capitalone.com Apr. 20 -May. 19, 2011 3D Days in BiAirg Cycle ~ ', i i ~~~~ ' MINIMUM PAYMENT WARNING: It yvu r:~ a;ly the mv!'vnimi payment each perwd yau Platinum MasterCard ,A\ ~ XXXX•xxXX-xxxx-t 725 os,11 pay rme in eaemst and'u vrill take you bnga m pay nFF your balance. For exanple: paymerrt Amoum Each Period D No Aprxordmate Tim to Pay Off Estin&ed NEW BALANCE ,,?~ei ., ai\•;, z`,:,y ~,:~\;' a3"i. u ~T.. Addhional Cha-ges Are Made Staement Balance Taal Coat $3,303.$0 ............. ..,..:\, .. ,11 aliniraan Payrrent r 27 Years -T_ $8,923 i If you ,mwld Gkr. inFexmation ahn~n aeda ca:nseliny servkes, c,tl! t -588-326-&)55. - LATE PAYMENT WARNING: It ve do nn1 rec°hte }our nmirtalrn payr. ent Iry ymr due date, Credit limit: 53,500.00 Cash Credit Utnit: 51,SCO.CL ~' may have to pay a late Fee of uP m g3i00 and your APRs nuy he hsaeased up to the Penahy APR of 29.x096. i Availahle Credit: S ~ 96.50 Available Credil for Cash: S ~ 9650 Previous Balance Payments and Credits Fees and Interest Utarged Transactions -New Balance 53,225.43 ~ _ L------ I 539.OD ~ + S78.D7 _-- ~-- + ~ 539.00 j = ~ 53,303.50 ~ I l .._ ~ ~RANSAtTI0N5 PAYMENTS, CREDITS &ADJUSTMENTS FORIOSHUA W HELM #1725 j 1 C3 ^^A+ FEF C P,EDIT GFFER lS39.OCY '~ TRANSACTIONS FOR JOSHUA W HELM #1725 1 18 ?:~s.'y AD1 FGR FEE CREDiT OrER 539.00 ~ rats Trartsadions !his Period $39.00 ~ i FEES j 1 16 RgAY PAST DUF FEE 535.00 Total Fees This Period 535.00 Total Fees This'iear 5136.00 i INTEREST CHARGED I iNTERESTCHARGEP'uRC~IASES I 521.1C 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 P~cerltage Rate (A.PR1 is the Mtnual interest rate on your acmrrri. T e of Balance Attnual Percentage Balance Subject to YP Interest Charge Rate (APR) Interest Rate PUf:1125e9 1 i.9C?o P S2,"57.8? S2L10 Cash J 24 9041, P 51,073.50 521.97 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITAtONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057658101725 14 33n3snn~5nnnn~o7nn, `~ Account Number: 5178-0576-5810-1725 Due Date New Balance S1i::i:::cr,; ;>>.•;r,,,,, Amount Enclosed Jun 16, 2011 $3,303.50 _........,. j -~ ~! ~~ _, UOSHUA W HELtI 2576 LINDSAY LOT RD SHIPPENSBURG, PA 17257-8536 1rllt~nllll~~~rllrtlnlrrlrlllrtrltrtlll11~1rrIInlltt~Il~rl Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments • Review account information • Manage your account in privacy aoooos Capital One Bank CUSA), N~A~ P~O~ Box 71083 Charlotte, NC 28272-LD83 nIIIII~IIh~nlctrlrhllnl„Ilulr~ll~lrlll~tl^IIIlllll~hll Please make checks payable to Capital One Bank (USA), N.A. and mail with this wupon in the enclosed envelope. OSHUA W HELM liow can I avoitl paying Irder t Charges? Eath month you pay your "liew Berl sce^ in fuN, you svi have a minimum grace period of 25 days with Iw interest charge on err nesr 11 purchases, 21 balance transten, 3) special purchases and 4) other charges. Y yore have been paying your account in lull srhA no in:eres; charyes a{spied and you rb rot pay your nest biN in fwl, rxaated interest charges win rte as~essee There is rw graft period an call advance:. special wanders, ur on any nc-sv transaction svN tr, tMre is an unpai0 Dalarcehum a previous MII. How Is the Interasf tharoe appred? Interest charges accrue from the 1) daze of the Hansa-lion, 2) daft the transaction is prxessed a 3) firs; calendar day of iht biRng period. Interest Charges accue orl even• unpaftl anwun; until i; h paid ks fW. Thn means you oast' awe rest charges even'rf you pay the entire "New Felance" one month, ben dd cwt do so for Me txevious month. Unpaid interest charyes am added to the proper segrtan; o! Yorar Account. Howner, the resewe the right ro nut asuss interest charges ac arty Time. [b you assess a Minimen interest Charnel Yes. A minimum INTEIffST t7lydtGE of SD.Sg soil be assessed for earn Wiring period you account ii subject to an irterezt ~harge- liuuv did you Calculate the Irderes2 Chane? There ere several taktlatrons that are used to determkre your total intnest charge. 1. To yet your Gaily Balance: Fnr each segment, i) lake Mt Mginning Wakxlce all adtl in new :ramac;iuns and the periotlic interest charge un ;he previvu: dxy's balace. 2) Subirac[ goy payments and cretlits fgrthaz segrneni as e} Mat Aay the result is the daiFi balance for each segmalt. Nrnrorver, if you paid you prerinrs: monM'S balamt in full (or f your nalanct sws seen u a credit amount), new namactinm vdrirh post to your purchase m spteizl purchase segrtmnts are not a.•kled to the daft' lukrces. Also, transactions that are suhject to a grace pedod are not atlded tg Me daft' baances. 2. To rind your Average Daay Balancer. 71 add the daily balances mgether antl 21 divide ;he sum by the nunsber of days in the Willing cycle 3. Estimate %nur Total Interest Charge: t)muhip-y your erage daily balance ny the daffy periodic rate and 2j multrdy [Ae result M Me rwsrrsber of days n the baling pedotl. N DTE'.: Due to mulling or a minknun interest charge, Mrs calculation ma% nary from the interest charyt actually assessed. Fbw can my variable Mrwal Percentane Hate (APW change? you APlt rnxq imtase nr decrease based on one of seven =.tandard indices repotted in :rte WaK Street:rsumuy. Ta fintl svtich index h used for ypn arasunt, Inok!u a mtlc- IP, L, C, S, U or F) on the tram of Mis statement next to the APR(s). Then check the table htlosv []stle next toyour Mnual Percerdage Raze (APR) Index which your rates are based on 'A11rerr your Mnual Percerrtage Rate Mr change P Cuattarly Prime+ margin pteviwsly disckssed m you The first day of tlo L Cuarlaly LN?OR+ margin preiiady disdosed 1o you bitlksg periods B•at C ruartarly CD * rwgin previously disckrwd to you md'n Jaraary, April, S eankcad Priliw+margin previousy disclosed b you .iuFy and DcWsber. D tdmMly Fdma + narain previousy disrAosad to you Tha fast day ut m^t. F MmMly LIEIOR + margin pranuusy disclosed M you rrrmMly Ming li 'res6r:ry LIECR + margin pmviausly disclosed b yy psniad. Are there Afiditlonal Fens assochted wIM my accormt? Yes, uder certain unstarces, you may be assezsetl a tare cr Resumed Payment Fee. Vou rwy also Ile asargetl ovrrlknit sees it pennittetl by law 'Ne reserve :he fight io nn[ assess see=, svithmr; prior nose arc) YT.hou[ mlg our fight m assess a vmilar tee later. How ran I Close nav A[CUL.ttY Ynu may dust your accramt by rating or wd;ksg our ystomer RHxtions lkparrnent. At that time, rve will provide additional tle;aih ircluarg payment irtlorrnatinn. If you wt you credit rand u charges post to you accouri after you ask us to rluse it, sve tan keep yaur account open To avoitl paying any appfvabk rr~r.rbershgs tees, ear [a lost your acount pdur !a Mt end of :he cycle in tvhicn it h Sdsedukd to be hied. What happern M my a.~m un Ir a.Q+enrlMq we may cbse or suspend yotx account and your right to obtain aetlit at any tkne and for any reason, even if yw art not is defaWt. hraun; suspension ran he permanent ur temporary If ymu account is ckssed or suspended •~ t ?j stop using your credit card and account, 2) cancel ap autortsstic payments, 31 deU;my ell credit cards and access checks, and 4) pay err amounts ywa otse us, ewn i' Mey were rhzrgeA after Me account was closed err Suspended. How du 1 Intake Pavnxrds? Payments you mxi to us .sill be credited to yore account as of Me Lwsiness day we receive it, as long as: t) you send the bottom pottien d Mis stacement anA your check in the encbsed remittance erwebpe, and 2) pow payment is recewred in one o1' our =Dressing ren:en M Syxn )oral rent. stake some m kart p) aasir„ess days;ormaa delivery. Mailed payme .s rereiued by rn at arty other location a in anY other form rna_v not he: redhed as cl the da% wt receive Mem Do you Rocess Parser Checks as an F1ecb+..+'I When wu provde a check as payment, you authudze us and our agems either to use krfurmarion from you cneck to make a one-tk!re electronic fund trensserfmm you deposit account err to pracess the payrrrtrrt as a check transaction. When ssc use kdrxmatfon from you tMcl to make an elernunk laid transfer, funds mxy b< Ssnthdrxwn tram your deposit accuurt; xs soon as the same day Sve ene your payment and you vise not receive yore tYeck back from yoix tinancial institution. Your authodzadun is of Fs-riled by the date on me cneck lNe may resubmit and ete:tronirally collect :he renxned paymems. What H I flee for BanhuptcrT If you are enacted to hankmptcy Ixn:ac;iwr, Mis nmmunitatrnn is for irtomuhan ndy, i; h rot an at;amlx m ~ olkrt, assess nr rerDrtr a deb; r claim Do oat sentl us payrrcn[s without speakeg with your bankruptcy at;nrney x the Banlvup!cy Court. d you u you attorney would Ike to contact ow banknlptcy claims sewitn directly, please contacT C.idtal Dnt ~ PO Wx 302rK ~ Salt Lake Gtv. tlT 84t3bp2B5 BILLIraG NICAiTS SUMMARY (Gets Not Apply to Small Busines-,accpuntsl What To Do It You Think You Find A 0.fstake On Yaur Statement If you think there h an en your s[atemem, svelte [a us aT Gpi;al one P. D. Bon 3t12&5 Salt Lake City, U7 84'.30-'u285 In yuurlena, give us the lurasving ininmaticn: Acceunt information. Your name and account nrenber. Qgl _r .mo mr. The dorar arwuM, of the suspected error. Lseudation pf PmMem~ If you think there h an ennr on your MB, descrhe svfiat yens believe fs wrong and natty you beliwe it is a rrisuke. V mint Contact us within 6r1 days aY.ertfre error appeared Gn your statement. Yrasn must notify us of any po:endal errors is writim. You may call us or notify us elertmnically, Wt if you tlo w, zre not rsvTaked to iexeitigate arc/ potential enon and you rtey have to pay the amount in question While we irwexiigare whether or nor ;here ha: been an error, the following are mrt_ Vve xnnot try to caNect :he answnt m que sport ya. as tlAinquent on that arnuunt The charge in question may rem n yerrss atemen[, and we may to ue to charge you interest on that amount. But, 'rf Sve deterrtire Mat vve matle a mistake, you will not have to pay the amoran: in question or any in:erot or ndstr fees reWted to that amount. While you do not have to pay the amoum in question umi! we send you a notice about the outcome of nur im•estigation, you are responsMlefur the rerreinder of yaw' nalarxe. W e can apply any unpaitl amount against your mc4't limit. Your Wghis K You Ara Dissatisfkd YInM Yore Credh Card Rsrchases. M you are dissatisfied with the goods or services that Yore have psrchased wkh your credit card, antl you have rded in good fakh to correct the pmbkm with the merAram, you may have :he right not m pay ;he mairxng mount due on Me purchae. To use this right, all of ;tse fcllosving must be ime t. The purehxse must have been rrmatle in your hare start or svRh'm 1 m mies of your rumen; mating address, and the purchase Pict roust haae been more than 550. (NUte: NeiMer ui these are rrecessary H your purchase wa: based on an advertisement the maNetl ;o you, ur if we own Me tympany [hat sold yua ;he goods Or services.) 2. Yuu must have used you crMit call for Me pur:hase. Purhases made will rash advances fmm an ATM err will a check chat accesses your credit call account do cwt pacify. 3. Yuu mini cwt ye; have fuNp paid for the purchase. I' all of :he cdteriz above are met and you are s;i dnsa,rsfkd with the purchase, contact us in wd•ksn at: Upi:el (Mt P.O Box 30'zB5 Salt Lake City, UT 8953D@&+ Vr'lik we investigate, Me same rules apply M Me disputed amount as discussed alcove. After we f Irish our invesiya;iun, we will ter you ou decision. At that point, if we think yea Dive an amount and you do not pay we may repott you as tlelinquent Capital prre suprmrn inforrnsiiar~ Irivary pmtertion: see our website a; wwtY.rapitalonerum Upibl One is a federally regisielrtl servae mark of Capital tare Financial Corpora:ion. All fights reSt,red =.; solo r~raital Dnt T,-oB 03rD1i 1 t Changing Address? Address ........................................................................................... ........................................................................................... Home Phone .......................................................... Alternate Phone .......................................................................................... E-mail Address ..........................._...._..........__.......................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper dip your check to the payment slip. • 6e 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.tapitalone.rnm Ca~p~ifa ~'~, Page 2 of 2 1-300-903-3637 i~---- ---- ------------------ ', www.capitalone.com i APr. za - aNey. ~ 9, zoi t 3o Days in RiNing cycle ~. ~~.., .. ~z:,. ~~~~,~.\ ::,. a `~s~ A ~ ------ ' Credit omit: 53,10G.OC i Platinum MasterCart! xx)oc-pxX-xx2DC-172, i AuailaWeGerii: ;196.10 .NEW BALANCE ~...?'.`.~3i~•~ a a:~ ~`e""\:' ;>~w i,"° j CashCredi[timit: 51,100.OC'' $3.303.50 `:?9?..... -;:~ ', ^ i ' Avai~Ne Credit for Cash. 5196.10 i Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance i i r - , • . 53,225.43 I - 539.00 I .{- ( 578.07 ~ .~ ~- 539.(q c 53,303.50-~~ ~~ , _~ ~_________; ________-__i _____~_____-______J ; i f TRANSACTIONS CONTINUED INTEREST CHARGED {CONTINUED) INTeRfST CHAR6ECGSH 52? 97 Tutal !mrres['his period 543.07 'oLllnterestThis'fear 5218.97 'fou r;;ere assessed a past due fee because your minimum payment ~A~as not receisbd by the due date. To acrid this ?ee in dre suture. •.+•e re:%xnmend that you allo~n at least 7 lxrsines; day; for your minimum payment b rea:h Capital One. GaPifa__-~~ what's in your wa/let7 MAKE A PAYMENT. AND TAKE CONTROL ~'D OF YOUR CREDIT WITH CAPITAL ONE® Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ~ 2009 Gapitul Une. G-apira! Une it a frderrlly rrg~rtrrrd rrmecr mark. ,4Q righd rerrrird Page 1 of 2 T-500-903-3637 - ----~~---------------~ i www.capitalone.com i May. 20 -Jun.19, 2011 31 Days in &pirg Cyde ! i i ~--------------------------------------' i MINIMUM PAYMENT WARNING: If yra~ make onlythe ninim~m payment ead~ perod, yew Platinum MasterCard XXXX-XX)(X-XXXX-9725 will paM more m iraeren and R will rake you longer m µ:y off yaw balance-. For example i Paymam Amount Each Period If No Approxirnata lima to Pay Off fstimaced NEW BALANCE ..ivi....: ~' ~~r\:~\;' "~?t, ~;;AY„ Additional Charges Are Made Statement Balance TaalCmt $3,384.26 S::C: t:.. ... 1 ~ ; S M19inimun Pa rxrd T-- ---T )* n rears 34969 ! I If you wnuld Gkr- erfornution ahurn ~edrt ru:nseling smicn, call?-58ti~376-&155. - LATE PAYMENT WARNING: If we do not rerxive yon nnrirnlm payment by your dur dAr, i Credit Umit: 53,500. W Cash Credit Umit: S9,SC0.00 Ttr' "oN have to pay a late tae of up to 335.OO and your APRs maybe innease.^' upm rte Penahy APR of 29.40°.k Available Credit: 5;15.70 Available Credil iw Cash::;115,~iC Previous Balance ~- -- Payments and Credits Fees and Interest Charged Transactions New Balance -- ~ -1 . ---~ i ~ 53,303.50 i - I 50.00 i t S8D.76 ~ - ~ ~ + 50.00 - 13,384.26 ! f - I „ , ..:. ... j TRANSACTIONS i _ _ _ PAYMENTS, CREDITS & ADIUSTMENTS FOR JOSHUA W HELM #1725 I i i i FEES ! 1 161L'N PAST DUB FEE 535.00 i Total Fees This Period S35.OC ~,~ Total Fees this Year 5171.OC ''~ INTEREST CHARGEp i iN1ERESTCHARG~-PURCHASES 522.53 ! ~,~ INTEREST CfiARGECFdH 523,18 '~ Rital Irderrst This Period i 545.?6 ~ i Total interest Tis Year 5204.73 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 (APR) is the annual interest rate wl your acmvrt. T e of Balance Annual Percentage ~ Balance Subject to Interest Charge Rate (APR) - Interest Rate -- Pruchases I 1i.9C9`eP 52,7.34.60 522.58 Cash 24.9~/oP I S',096.C? 523.13 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONF.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057658101725 19 3384260250000406007 `M= Account Number: 5178-0576-5810-1725 Due Date New Balance ... .__,-,. , ,--_ Amount Endosed ------ -=--~, r- ------~ 1ul 16, 2011 ~ ~ $3,384.26 ~ I ......-.. ~ j I JQSHUA W HELfi 2576 LINDSAY LOT RD SHIPPENSBURG, PA 17257-8536 III'111111111'I1I111''IIII'Il~(111^'Ill'IIIIII"Illll~lllllyrh Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments • Review account information • Manage your account in privacy aoooo6 Capital One Bank CUSA), N~A~ P~O. Bux 71063 Charlotte, NC 28272-LD83 nlllllrlnr.nld~llrhllllh~lluhr~llrl~lllrll^Illllld~hll Please make dleda payable to Capital One Bank (USA), N.A. and mail with this wupon in the enclosed envelope. JOSHUA W HELM liow can I avoid paying Irkerest Charges? Each month You pay your "hew Balance" in tuB, you will have a minimum grace period of 25 days with m imarest charge on zll new 1) purchases, .)balance transfers, 3) special purchases aM 4) other chages- If you have been paying your accoun: in fun svhh no in:erer, charges appned aM you do nut pay yournext bill n furl, praatea interest chages will be a55.3sed. There is no grace period an cash aManres, special enders, ar on any new rransa;non wnen mere h do urrpaia balance frr,m a prevous bill. liovsr Is the Interest Osaroe appNetl7 interest charges acwe from the 1) date of the tmmaction, 2) date the transa¢ion is Ir«essed or 3) first caleritlar day M the Mlling period Interest cha ges acme wt en'N unpaitl an»uY. until is is Paid in fop. This means you may owe teresr charges even'r%Y a Pay the entire "Nest/ Balance" one month. but did no: do so fur the previous month. Ulspaitl interest charges are addetl :o the proper seyrtarrt of your A¢ount. Hasveser, we reserve the right (o cwt assess interest charges at any since. [b you assess a Mlnlrr~..ss Interest Chame7 Yes. A minknum INTEREST Oi(Vr<E Rf Sg.50 will t+e assessad fur each hiNing perod you accoun; is subjec! to an inizmst charge. How did y«r ale d+fe the Interest Charue7 There are several cakulxtions ;hat are used to detertrrine you total inteest charge. ?. To yet you Uaily Balance: Fur each segment, 11 take Me beginning balance antl atltl in new transactions all Me periodic interest charge un ;he precious day's Fxslance. 2j SuM.rari any payments antl cr~i;s for !hat seyment as et [ha! Aay. the result is the daay balance for each segnrett. Hosrrre, if you paid your previous monthY balance in ion car r your balance Bras :em ar a credit amount), «sY aansarians wni-n post to your puchasr a special perrchase segments are rot added to the tlaily L:la«es. Also, [rensactiom Mat are subject ro a grace period are cwt added to Mr daily balances. 2.7o find ' eraye Daily Balance: 1) atltl the daily balances rogether antl 2) divide the wm by the umber of days in the Mlliry cycle. 3. E:tkrsa:e your Tn;al Interest Charge: 1) multiply your edge daily balance Lry the daily periodic rate antl 2j rtrukiplY thc• result by Me wrMer of days n the billing periutl. NOTE: Due to rouMirsg w a minimum interest charge, [his calcula!ion may vary from Me interest dsarye ac;uagy assessed. How can my vadable Mnual Percentane Hate (APW change? you APR may increase or decrease hasetl on one M seven =.[andarA intlRes rerror!etl in The l^:aB S.hcc::amsal. To find which rode-x o used fur your accoun(, Inukim a code-LP, 1, C, 5, U or F) on LFre free[ of Mis statement next tc the AFMi(sj. Then check the table below: Catle nsud to your Mnual Percerrtage Rate (APR) Index which ywr rates are based wt YJhm ywr Mmral Percerrrage Rate wIB change P puaderly Prim®+ margin gwiwsly disclosed to wu Th¢ first day d Bre L 0uarlsrty L~CA2 - ttwgin geriously,^'isdas^d to you billing Periods peat C c^uarlerly CD+ mrugin getinusly tksdosad to wu and in January, April, J' eankcnd Pdme+ margin q¢viously disdosed m Ya July and Oclnb¢r. D tvlmthly Fdmo +nwrgin goviously disdasod >o yd•' The first efaY d oath F Mmthly L~OR +margin pmsiewdy disnloseC to you mmthly Inuring G sury LIEVR + rtrargn previously discosed b you podod. Are there Atldltlonal Eeec ass«lated wIM cry accwrst? Yes. antler certain cetursstances. ycu maybe assessed a late nr Itetumrd Paymerrt Fee. Vou r,!ay alsc be chargetl wedirnit fees B Frnni!!etl by lase We reserve the right fa not assess fees sriMw: prior notice and without swkring our fight !o assess a similarfee later. How ran I Close Mr Mrount? Vner may [lose your zccarmt by calling or salting our Clrstomrr Reladans neparment. At Mat ;ime,.re wal gnyiee addairmal defaces indueing paymem in'orrnatinn_ If you use your crNii rartl or charges post to roux accnust after yw ask us to close it, sue can keep your account open 7o awitl paying any appicable membership fees, czB to close your account prior ro the end M ;he cycle in which it is scheduled to be billed. Wlsat happens h my Aran mt Ic Susmnr4d?'Ne rtmy close nr suspend your a:rount and your right to obtain credit a[ any ikne and!or any reason, even i` you are cwt in tle!aulc Aro aspens n he pemrar er terrywrarq If you ant n c1asM ur snpeMed you must5lj stnv „i.g ywr credit rere and arraunt, 2) .arK~lran aumma!i; pdyme s 3) tlntmy all credit cards all access checks, and 4) pay a9 arnrxmts you user us, even r'~they scare chary, eA after the account was closed or susprntled_ How da I Make Pamterdc? Payments yw rtud !o us trio he credited to your account as of the business day sue rere've it, as long as' t) S'w Send the tw!!om parien M this statemen! and your check in the encbsetl remittance envelope, antl 2j ywr payrtrent is received in one o` our qucessing censers by 6prn loyal time- %ease zllosv at least (7) business days fur mail tlelivery. Mailed payments received by us a, any ahrr location or in any athec form may Trot Ise:retlked as M the day we receive them. Do you R«ess Paper Checks as an Electmnk Funds TranderT When wu proritle a dick as payment, you aenhar¢e us xM our agents either ;c use information fmm you ched to malx a one-time electronic fuM transfer fmm yore deposi! account ar to process Me payment as a checktransaction. When we use infnrrnation fmm your cMck to make an aiedm.rir fund transfer, fulls may he witndrxn., fmm your deposit account as wan as me same day,re roe your payment and you wi6 not rece've your check back fmm your financial institution. Vwr authodzaton K rot Ikni!etl hY the date on ;he check. We may resubmit and electrwricallp ca6ect dse rebYrted payments. What K 1 Hlef« BardcrlAtcr? If you are enti!led tP bankrugq• protection, tltis cenanurrkation h to irrtomtation only, i; is no[ an a:;amq ro collect, assess «recever a debt x train Do cwt smtl us paymmri without speaking with your bankruptcy a:tamey or the 6ankrup2y Cwri. d you w You attorrcey awultl like to contact ou bankruptcy ckkm service Erectly, lease cnniact: apital One ~ PO box 30265 ~ Sa F. Lake City. UT 84t3tr0285 BILLING PoGH75 SUMMA{TS' (Hers No! Is{iply !o Small Business Ac;ounril What To Do It You Think Yw Find A hNsiake On Your Staterterrt If you think ;Rue a an en your statemrm, wdte tom at.- CapitalOne P.v Box3oza6 Sah Lake Cky, UT Ba',30-0265 In war lette, rjve us the foRuwurg infnnnatiun: Account kdonnatwn'. Your name and accoun: number. Omar amwnt: The tlo9ar ar:wunt cf the wspected crmr. Desrrition M Pmbkm~ h you Mink there is an ertor on your hill, descdbe what you bcieve is vrong all Msy yw bdieve'r, is a mistake. You must contact us within ri0 lags alter the ertor appeared on your sia!ement Yrnr must rotity us of any potential armrs in wdtinn. Vou may call us ore«ify us ekctmttica6y, but it you ~ sw zee cwt repaired to irnestiga;e am po;emial ertors and you rtra) have to pay the amoutt in quesdon. WhYvve imesdgate svfiether x not :hare has been an error, the following are tnae- • Wa canrwt by m co6ect the amount in clues inn, nr ralxrrt yw.l as tlAinpuent on that amount • The charge is pyres!inn may remain an your s:a!emen[, and ssa may continue [a ;hage you interest on that amount But, it sue deterrdne that sm made a mistake, you sill cwt have ;o pay the amountin question «any interns ur other fees related to that amormr. `Whie wu do not have ro pay [he annum in pues[ian until we send you a rw[ke about the nutcare of ore irwesiigatiw, yon are rnlwnsgNet« the remainder of your tsalarce. We can apply arty unpaid amount against your credit limit. Yo« Rlgdits H Yw Are (ASSatlsfled WiM Your Credh CarU Furchases. d you are tlhsatisfied svhh Me goods or services that you have purchased with war credit card, and you hse tried in ycotl faits to c«rect the problem with the merchant, you may hour :hr right not to pay the remairthsg amount due acs Me purchase. To use this fight, aB M Me fcllovsing must be true t. You must blue used ywr cretlit card fu Me purchase. Purchases made sv'rh cash adancn frws an ATAi ar whh a check that acre-ssns your ere-3t card aeronm do not puardy. a. You must cwt yet have fatly paid for the purchase. Ii all of the cri;eda above are reef all you are s:i[I tfnsa:isfied wits the purchase, contact us in wri(ino at: Capital One P O Bux 30266 Sal: Lake Ciry, UT S4L3602~ While we invnY3ate, Mr same- nrks apply to the disputed amwn: as disnrssetl above. After re finbh arc irwestiga:ion, we orill tell you our decision. At that point, if we tNnk ywr osve an amount and you do nn; pay aw may relwrt you as delinpuenr. Capital One supports irdorntatinn RFuacy gatec[ion' s= wehsite at svsvw capitalane cam Capital One is a federally registered service mark of Capital One financial CerPoratian AI! dghta reserved >:.. 2010 Capital One T.-n6 03rD1j 11 Changing Address? Address .......................................................................................... ............................................................................................ Home Phone ........................... ............. Q Alternate Phone ........................................................................................... E-mail Address_.........._......._..__ .............................................................. Please print addressor phone numberchanges 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. t~ ~ 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.tapitalone.tom Page 2 of 2 7-600-903-3637 ~ ----- -- -- -- - ---- WWW.CaFN7r710r1e.COm ~ May. 20-Jrm.t9, 2011 -- 31 Days inBilingCydei - ~ -- ~ Platinum MasterCarrt XXX-YJIXX-XXXX-1725 ~ I Gedd limit -- S3,SOQOC Available Credit: 577534 NEW BALANCE .....;;~?~` b'a:~~•:•~\;' .;4ic u.-x.°.. CashCredi!(imiC S~,SOQ00 ~ $3,350.26 $'7L:"~ t: .iai :3~ 99'i I AvailaNe Credit tur Casb: 517);4; Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ----- -~ -,, --~ 53,303.50 -~ I SD~tNI ,, } ( 580.76 l + 50.00 '~~ 0 53,384.26 ~ I (TRANSACTIONS CONTINUED '/nu were assessed a past due he because your minimum pzyment was not re:eived by the due date. i o avoid this fee m the lutme, .ee re:ornmend that yat allmn a[ least 7 business days for your minimum p-ayrnent [n rea:h fap@al One --~ TAKE CONTROL OF YOUR CAPITAL ONE® ~ ACCOUNT AND KEEP IT FROM BEING what's fn yaw wa0et7 PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. 500011 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. C) 2(111 % (:apiutl Onr. Capita/ Oar 1, a fre(rrally tr~istrrrr! mvirr mark. All nX/ a resm~rr/. Page t of 2 1-800-903-3637 ~------ ------- ------s i www.capitalone.com lun. 2D -1u1,19, 2071 30 Days in Biring Cyde i~ ~------- --- -- -- ------- I ao,tv.m, .., o, \s .O s ~ '..a s~\~\.\ 3 :av ~\ '~~ a~j' MINIMlRd PAYMENT WARNING: If pau coke only the rnnrcnun payvrient each period, you Platinum MasterCard . )ocxx-)oo0c-xxxx-t725 vi>I pay nore in irnrrest and it vill take you bngw ro pay df your balanre. For exanpk Paymem Amourrt Each Period If No Apprmdmete Timo m Pa/ OfF E#imated NEW BALANCE .iiiv> 1i~1 ;:$'\';~ \;' C}~;;; ~;AYa Additional Chagos Are Made Statement Balance teal Caa $3r4G4.57 ,.,• ~~ >i? , ~t t t ~;, as 7 btinimum PayrreM 21 'fears 38,495 i It ynu anuld like irdormatiun ahou oedk cwnseliny service, call ! -88ti-326-8055. LATE PAYMENT WARNING: If u,r do rrot receive your mininaim payrmn[ by you due tlate, i Credit limit: 53,500.4") Casa Credit Utnit: S1,SCD.O(: y;w may havempayalate fee of up to 735.0(r and yore APRS may be increased upmthe Penalty APR of 29.40%, ii Available Credit: 5'S a3 Available Cred[ for Cash: 535.43 Previous Balance PaymelKS and Credits Fees and Interest Charged Transactions New Balance 53,384.26 ~~ - ~ ----------' '; SO.DO t S8D.31 ~-- --- ~ `--- I .{. I SD.00 i = I 53,464.57 ; , ~ -- ! t i rRANSacrloas --~ PAYMENTS, CREDITS &ADIUSTMENTS FOR105HUA W HEIM #1725 FEES 1 '61UL PAS'I:•UeFEF 535.00 i Tutal fees this Period S35.OG Totel gees This fear 5206.00 INTEREST CHARGED IHTEREST (}iARGE.PUBCHASES 522 41 I TNT; P,eST CNARGECASH 522.90 Tutel Interest This Period 545.31 i ToT~Ilntere;iThisYeer 5310.p4 i ~~ Transacions continue on page 2 ! Help is Available. lust pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Yow Armual Percentage Rate tAPR) is the armual interest rate on your acoouM. Type of Balance Annual Percentage Balance Subject to Interest Char e Rate (APR) Interest Rate 9 Pruchases 11.$LM P 52,2$1.66 522.41 Cash 2490%P 5'.,119.10 522.90 PLEASE RETl1RN PORTION BELOW 1NITH PAYMENT OR LOG ON TO WWW.CAPITALONECOM TO MAKE YOUR PAYMENT ONLINE. ~~agflt Account Number: 5178-0576-5810-1725 Due Date New Balance S@i;;i;;:,;:: ;>>,.~; ,.,,, Amount Endosed ,.. j Aug 16, 2411 ~ $3,464.57 ~ ~ -......,.,. , l _ ~ ~\ _. >~ ~• < 1 5178057658101725 14 3464570250000520003 JOSHDA W HELR 2576 LINDSAY LOT RD SHIPPENSBURG, PA 17257-8536 Illillhl'Il'IIII'IIIII1111111'""1111"1i11111'I'Il1rlILIL,rr Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments • Review account information • Manage your account in privacy aoooor Capital One Bank (USA), N~A~ P~Q~ Bax 71063 Charlotte, NC 28272-1083 1111111'11fr'n1d'Irh11111r'Iluhr4lrl'Illrll"11111111'Inl Please make checks payable to Capital One Bank (USA}, N.A. and mail with this coupon in the enclosed envelope. lOSHUAWHELM lipw can I avpid paying Irterest cna.ae:? Eacn n,nntb you wv root •New Balan[e" in full, you wgl have a rtinimum gra[F period ct L5 days with no interest charge un erg nc r t ) purchases, ?) balance transten, 3) special purchases arq 4) other charges. H you have been paying your account in full with no interest charges eppried and you do nut pay yournext bill in full, prorated interest charges wiR bE as=.FSSeA there is no grace period on cash advances, special transfers, or on any new transaction seism there is an ~mpaid balance from a previous txll. liow Is the Irderest Charge app11etl7lnterest charges accrue from the t) date of the transaction, ?) date thr ttansadbn is gxessetl or 3) fkst calendar day W the billing period. interest charges accrue wi everY unpaid amount until i; b paid in fug. TMs means you may owe merest ;barges even H you pay the entirr "N FSV ealanc=" me month, bsr, did not tlo su for the previan momh. Unpaid ktterest charges am added m the proper segment of your Account. Hoverer, we reserve the right ro not assess interest rhargrs at any time. [b you azseic a [dinlmam mterert C.hame7 Yei. A rtdnkmam INTEFfsT OIAIGiE of 5g.5D will tc assessatl tar each billing period your account is wbjec±tu an imarest dyarge. How did you Calcr6ate the Interest Chame? there are several calcss4;ions :hat are used .o determkre yorsr total interest charge. 1. To yet you L`aily Balance: Fur each segment t s take ih¢ begiming txlance and add in nnv :rartsactiuns and th¢ periodic interrst:barge cn :he pres•ious day's balance. e j Suhirad any payments acrd credits for that segment as of that day. Tha result is the daily balance for each segmern. Howwer, if you paid your qev, onth's baance in full (or h your balanr¢ seas zero cr a credit amountl, rs¢w tmnvctiorn svtsirh post to yo[v purchase or special purchase segments are not added to the daily ~Wrues. Also, transadiom [ha; arc subject to a grace period are nu: added io the daily balances. 2. To find your Average Daily Balanr: t) add the daily balances mg¢ther and L) divide ;he wen by the rwmber of days in the billing cycle 3. Estimate yrwr Total Interest Chart,7e: 5) muliply your erage daily balance try the daily periodic rave and L. multiply the revel[ by rise number of days n the bglirsg period. NOTE Due [o romAing or a minknum interest charge, this caL-uHtion may vary fmm the inrerest charge actually assessed. How [an my variable Mnuat Peresvstage Hate (APW chxrgeY Vora-APR may inrrrase or decrFasF based on one of sn•en ttandarA indices resorted in'he 1a/ A5.7aet fo:nrnaf. To find svfiirh indc-xis us¢tl for ycair arcumt, Inukfur a code (P, [, C, 5, U or F) on LM fmni of this statement next :o the APR+si. Then check :he :aria iminw~ Code nerd to your Mnual Porurrtage Raw (APR) Index which your rates ate basrcd sm When your Mnual Perceriage Raze ydg asange P Cuadply Prima+ margin gwiuusly discbsod 4 you The first day d Cie L Cuaderly LIBGR+ rtwgin gwiously ^.iscl~etl 4 yaa billing periods C•at C CuaArxly CLT+mwgin gwimsty discbsod 4 7rou and in Januwy, April, S Bankcard Plrtx+ margin pmvously disdosrd 4 yew July and Ocbber. D fourthly Flrtra + rtYSrgin previously disGazed b you The first day al' [rash F Mmthly LIBOR + margin pmwausly disrlrxsed 4 gnu - mmthly MgkxJ li eas[:ry LgaCR + margin previously dadosed b you porbd. Are there Arldl>fonal Fees awoclated wMS rty accountT YES, mtlssr certain circumstances. ycu may be assessed a Late cr Rewmed Payment Fee. Vou rtwy also be charged overlhni[ tees H Pertnittetl by law We reserve ;he lght to nut assess tee= srithou; prior notice and svFhout waiving ou right to assess a similar fee later. How ran I Close My Mrrn_ v+fy Vou may clu.se your accarm ty calling or svri;ing our nastomer Relaticns [kparment At ;hat iimF, sve vie pmviAe additimal details including payment irrfor nation If pnu use yxi relit card or charges post to your acmvrt after you ask us rn ebseri t, sve can keep your account open To avoid paying any eppl'r_ade membership fee; cxe Co close your account prior to the end et :he cycle in which H is scheduled to be bleed. What happens H rtsy <rrrnnn Ic Gusnerrrbd?'Ne may close Pt suspend your account and your tight to obtain crrdit n[ any !ime and for any reason, even H you are rnt'r~ defeuh. A:coun; susp¢minn can be pemtanc-nt ur ternpuraiy It your account n cbsetl ur wspendeA yen, urns: f) srnv usiry your credit card and account, z) cancel an automatic payment>. a) des:my all credit cards an•J guess checks, and a) pay all arnuunts you osve us, even'r." ;hey were chargeA after the account was rlmM or suspended. Huw do I [Make Pavnaeras? Payments you maa !o us s+rill be <mdited to you account as of Me nosiness day sve roc eive it, as Innq as' ij you send the bot!om ppricn of this slaiemen! and your :heck in the encbsetl remittance envelope, and 2) your payment is received in one of our gocessing centers by 5T>rn xocal time. pease albw at least p)lxrsirsess Aaysfor mail delivery. Mailyd paymEns received by [rs at arty usher location or in arty other form may nor he cr¢dhetl as of the day vex receNe them. Uo you Aocess Paper Checks as an Electmrlk Frnds Trander7 When you provide a check as payment, you avlFwdze us and our creams ether tG use 6sfcrmation from yGUr check fD make a one ;rose Nectmrir fund transfer fmm yorr deposi±account ur to gocess the payment as a check transaction. When ise use infmma;ion from your check to make an ¢lecvunk ford ttansfx, funds may be withdrawn 4um your Aeposii aauunt as won as the same daq we eroe your payment and you mg not receive yo[r check back from Yoix finarxial instiiuriun. Vuur authodzatiun rs not limited by the date on ;he chest We may resubmit and electronealh• cslkd :he renarsed paymc-ns. whet H I flle for BanlPwtcvT If 'Jon dR entltlEd ro barskmgcy pmtrctien, ;his nicetion is for irdmmation prdy, it c nut an aL•Emq to cogect, assess or recover a debt r claim Do not surd us paymHrn wl[Iput Speaking with your bankrulfcy a;;crney or the Bankrugcy Court. H you or you attorney svswltl Ile to contact our Dankmptcy claims servicer directly, please cnnta:t' Wpital On. ~ PO box 3ULft5 ~ 5ah, take City. l1T 84'. 3lrD285 HLLINCi PoGHTS 5l1MMMY (Ones Ito! AppFy tp Small tiusiness,'urnun[s1 W hat To Do It You Thkrk You Find A fufisiake On your 5taterrertt If you think ;here is an Frier Pn yDUr StalPrtlFn[, wd[¢ tG us at: Capital One P.O. Box 3n2&5 Sal! lake Cily, UT 84?aD-0285 In your IHter, ewe us th¢ fotlowing infprmation Account brformatiort. Your nonce arstl a.-coun: number. P tar amount: The dogar ansca[nt of the wsprted ctru. Decrdwtion M emblem' H you think there is an ertor nn your hgl, describe [Mat you believe is wrong and why you bdiere it is a rnb[ake. enrol roniar[ us svithks 6G days after the ertcr appearFtl on your statement. Yrxi must notify us of any potential scents in selling. You may call us or notify us Flectmricaly, but h you do we are tort required to investigate any potential ermr: and you may have to pay [he amorntin question. N.hik we ksvestigate svfirther x tort there has b+en an ermr, the fdbsving are tme- WE anno[ try to urged the amount in ques;icn, ro-repot, you as delinquent on that amount The charge m question may remain on you statement, and we may cominue m charge ycu interest on that amount. But, H sx determine that we made a mistake, you MII not have to pay the amount in question w any in;erer, or ahrrfees related to that amount. ivhge you do not have to pay thr amount in question until we send you notice about the outcome of our investigation, Poo arc responsgie fur the rerreinder a1 gout halarxE. We can apply arty urpaitl amouirt aginst your credit limit. Your Poghts H Vou Are dssatlsfled With Your CredH Card Purchases. H you are tlrssatisfied with Me goods or service that you have purchased asdth your credit czrd, and you have tried in good faith to correct the prodem ssi[h the merehan;, you may have:he right not 4 pay the remaining amount due ors the q[rzhase To use Mis right, all of ;tse fPllwvasg must he true t You must have used pour credit card fur rise purchase. Purchases made with cash advances fmm an ATks or with a check that accesses your cr¢rii card account Oo nut qualHy. 2. Yuu must iwt yet love fully paid for tfse prachase. If all of the cri;ela above are met and you are still dissadstied with ;he purchase, contact .n i wr'ning err Capital (Me P.U Box 3oL% Salt lak¢ City, UT t4473'JULt55 W hge sve irssmsiigate, the sanx- rules aPSiy to :hr disputed amount as discussed above. After we finnh our irwesdga[ion, we srig tell you our tlecisron. At that point, it sve think ycu owe an err un[ anA you do not pay sve may report you as tlegnquent. Capital One supports irsfurntitim plvacY Rcte[[ion: sr wet%ite at sanvsv capitalonecom Capital One i5 a federally registeietl servke mark of CapiEal One Finmcial Urpuratiun. All rights reserved f• 2Ut U Capital One T,: nB ntY3,;t, Changing Address? Address .......................................................................................... ........................................................................................... Home Phone ....................... ........... ~ Alternate Phone ............................................................ .............................. E-mail Address ......................._.............................._...................-............ Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your 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.tapitalone.tom Page 2 of 2 f-100-903-3637 i~---- ---------------- ----------', W WW.CBpitalon@.COm Jurt. 20 -Jul. 19, 2011 30 Days in Biliral Cyde i Platinum MasterCard ~, ,~, r xx)OC-XXxx-x)ooc-t725 Credit limit: ---_ S3,SOO.OC ' AvailahleCredic S34v3 ' i ; NEW BALANCE ~,;;~ ~~>~~ , ,;~•;;:~: ' 3>?ic gin`,-,_ i ~ Cash Credit limit: 51,540.OC $3,464.57 ,`, ~:?:ice ~Fi:,; ? z, '.. , , I A•railatie Credit fur Cash: Si5.43 i I Previous Balance Payments and Credits Fees and Interest Charged Transactions I New Balance -- --- -~ -, ~ ~ ~ ----- ~'~~ ~ 53,384.26 ~ - i~ 50.00 i 580.31 ~ + {- ~ SD.00 ~ , ., I 53,464.57 i ! , ~ -. --------------- (TRANSACTIONS CONTINUED ~ 'fou were assessed x past due fog because your minonum payment ~r,~as not re:ei~.^zd by the due date. 'u arovid this tee et the iuhne, ~.a~e re;ommend that you ~Im.~ at least 7 Ywsiness days :br your muiimum piyr?ient to rea:h C~ilal One _ TAKE CONTROL OF YOUR CAPITAL ONE® ~`~~. ACCOUNT AND KEEP IT FROM BEING what s rn your wallet? PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. StIODY, 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. Cc7 2(/pJ (itJ iutl Onr. Ca)iiutl Onr is a f r/rrally recinrrc/ xre~re mark. A/1 r:X! rs rr.,erz~rd. -___ Page 1 of 2 2-860103-3637 ) WWW.CapltalOne.COm ~ Ju1.20-Aug. 19, 2011 31 Days inBdlingCyde ~r C T--- --------------- ~--- --- ----- ' ~ ~ ~~~ ~ MINRAUM PAYMENT WARNING: H yw make anlythe rrinirum payment eart prdod, you j i Platinum MasterCard XXXX'X;0(X-XXXX'1725 w)l pay more ~ iraerest and i >nill raY.e you longer m pay art your balance. For exatyk: 1 pa~~ ~m Each Poriod rf No Approdmate time to Pay UfF Estinat¢d NEW BALANCE .,ii3i 4i~;..j'~`;':\:' t>~i„;2-;, Additional (]rages Are Made Statement Balance iual Cent ~ ! $3,475.43 ,...n5 :.. 5~,. , ,. i4 F.*nmra;r PayrreM ~- 7? •rears 38,56> I d yrw Hu9d Eke ifiormarion about um'h ca~nseliny services, cab ?-888-326-8055. LATE PAYMENT WARNING: ff wr do not rersive you ninimrm payment by your c6e dale, i Credit Limit: 53,5('.O.W Cash Credit Limit: S1 SC0.0(? ~'~rhavr to payala~er~nf uP to535.ar and your APRS rvy be inoeasx.^'up to d:e I , Penahy APR of 29.40%. i I Available Credit: 524 Si Available Crectt For Cash: S2C.57 Previous Balance PaymeMS and Credits Fees and Interest Charged Transactions New BalaEtce f----------~ ~~ --~ - -. I 53,464.57 _. i 572.00 i + ~ 582.86 ~ + I 50.00 ~ _ ~ '3,475.43 l- , ; .... _ - ., . . .. , ;.: ; i . . .._. . ..,,. .,. __~ ~ TRANSACTIONS I PAYMENTS, CREDITS & ADJU5TMENTS FOR JOSHUA W HELM #1725 1 13 AUi, Cap ? DebitC~rdPhenePmt.AuthDate 13~Aun i i iS72.Cfi ' I FEES i I, 1 16 AUG PAST DOE EEE 535.00 Total Fees ltlis PetiOd 535.OC ' TrtalFeesThis'iear 5241.00 INTEREST CHARGED i i iNTFREST CHARGE?URCAS'tS 523,?C I! MLEREST!}!ARGE.C1sSN 524.16 Total Interest This r'~, riad i 54? 36 Tata Interest ihis'+ear 535?.9C Transacions continue on page 2 Help is JA~ailable. 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 Amual Percentage Rate (APR) is the annual interest rate on your attoum. Type d Balance An Ram r~~e ~In~terest Rlate to Interest Charge Purchases 11.90'/eP 52,344,91 523.70 Cash 24.9046P I 51,142.62 524.'6 PLEASE RETURN I~RTION RF_LOW 'JVITH PAYMENT OR LOG ON TO VVWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057658101725 19 3475430072000565009 `~a~ Accouret Number: 5178-0576-5810-1725 Due Date New Balance ~'.E;;g,=!cr. E'e••rr:er.? Amount Endosed Sep 16, 2011 ~ ~ $3,475.43 ~ _.,..:~. ,. ~ ~~ L mac..., .,.... ' JOSHUA W HELM 3 E MAIN ST APT 3 NEWBURG, PA 17240-15106 Irr11~1mlllldlrlllrlllllrrlrrllrlllhllllnllllllrllllllrll Take advantage: Take control. Manage your account online at www.capitalone.com • Make payments • Revievv account information - Manage your account in privacy 400006 Capital One Bank CUSA), N_A. P~O~ Boz 71063 Charlotte, NC 28272-1083 nlllllrllh~nldrllrllllnlr~lluhr~ll~lrl Ilrllr~llllllll~lnl Please make checks payable to Capital One Bank {U$Al, N.A. and mail with this coupon in the enclosed envelope. JOSHUA W HELM How can 1 arortl paying Merest Chames> E,:.h n a r -'i SJ, .: E;.n -.:. ul, ,;~; ~:~ h,.' -: rr ,. J::'.-'u7: ].}. :sh ,',r.:.-' txa :,,I 'r. s. , 't. ::, .., .Iw. rur ',. :. 37 F:,I .; h,. -: mJ 4 - N- -R 7:,. :I i, •: to-e .,pry yJ r -, ~,. :toll anh nJ [ t .t,u- ,FFI: ] ,r!] J ]'..,tN},:, ,. r:x .pr.. :e]irx-! t'ha je=.~allt , ... ih..;e J.,<c.-r J]J•:':rh ,• ~.-~:.i-1,1':.-JrJ.,-. ,. ,.t. :~.liJr. ..P:r.N ..,:, ~.t,t, _-h'.--, Fr .i.us[L. Horv is the Imerest Cname app rdt Ir>,.. est :M ~ : - .: Inn ~ , u 7;te n tl: v, r a:6J r..) ],: N: C, , eFr__ _:]_,I-r :. .,,-]:}:A t, tIIIJF-:~.~. '. h.srT-~;u..s sry,nF-,i]';r'_r.rt 41t:,,,r.1~ IT'. .ix'.r-.:h, y:.., rnl uF,, [h. ,: C,e T,es: E.:r,e'.'rJriCl. tnh ]'- N' ~.., d: 14}~ ~.:='C]...t tl. F[JF..r .. Jr. wu!lr•w A:J-ur[ .. Uoyw a»essa MinurumtrRerest Qwru+>Y---A,-,:ur V1FN_sr"Hgk~E 1L:. it-.-.~•-]I~:--~h t-I-il-.'i::]yr '. : s,ti=. 'ix. c.:t'.h-:;j>. How did you Calakle ih Imertst Ovrve7 Tx ., , :,I: I; '.,.:: i ',. u ] r ]ec! ~-rte }•JUr ixil •r h,.'. -. t. "., art gJU: D. Ed-..:'--F:,I =.1 a.-rrt. 11t t M:. t::I rrtil~J rJ,..- ~,r:] ;]i •: ,::y,~ , ,'/,.. -_I] F'JJ'-. :'.f'! ... ,~-Jr,de, Ju..,-. ~.I, ::..,1,_..,--. te,r.p-:. .-,.'~]r ~SC tJI 9 t ~ ':rrt ;s , t ;r d ]~.t 'h: ... : N:. ]u.ly r w 1. =::h ~ :r t h,s...,r ..~ ye.. Fs;] ~ :u F .:.; us the,:;., I:e'r t,l -r~}~u.L .;]'t-.L: u.::.l, L, :u:.ti Jr ,,t h rJ:t;: ,J,rFn:h,;< F....:,I Cw;h J... :L ,:-r, ,..i.. [. th. ., st a.:. %il:_.. - :,, sd',t ::,t-':r .~I, .. 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Coyle next to your Annual Pertrntage Rak X0.1 Jntlex rvhid,ywrrates are used on When yourMrwal Penantage Nate will change I' , rl ~.~ I d !- ]t •.,, ih 11]- ~;,Itl=tiYrnJ I. r~ell. ..ft u sk`:.I:,=:]u}•,u F r...:dy*. rn]ar N!ef L .l}.'r.W,e]n}".;u ,ru;ry~.;i1. 1',Ij r: Eurlk:,Itl reginF =;br=]nrn, J.bt-1- G H:mLN} x rwJ.: ~IJ•ei t. y,u ?:. irH ]~;q,t -,:.h F - M,I,Cd}tlt_N .~i!:~nF clt i-:Iwc]IJ }':'u :nC,!y tilliy Fe u]. 7-,~~ay J . Y rwyin,. u.ly .:: iJ--] i_ }-x, Are there Mainnnal F..a aSSUdatetl WIUI Illy aUD NT ~.,II'.:9 -: -,grretul : y I-,y't" ~~ --~. , r. J~ k.ra rz] 2,. ``J -v t. ,.:. "~..Lr ,.:e, f Frurilp] t; P {.. -av: d'. !ant a n,•`- --, th nom. - i .M',v ...iv J Tht?J ,. .. c,r I.rI',r:- Hoxv rn I Cln - . t} : 1. j „ ..,, k F-,.t-e.L -,C- ....wall.:. 1 ,]~L.x:,..t I yF.:, ,,-ua:,r y_u a:wi : J-> Fu.t ;wx ,h , ,~k ~, c: r - r ,. ,n k ,.,.rt l i., -.ni] F~y'y , n F u..l'. .,I. 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'.. , Jr .,, -yn=bu=W r,ii., •t,u l-, 'tyre 4_Ha r,.r:,,:: ,d ..iw :.lu,:i o.r '.-, .n.r,vilFi.-r:..x:ra. ~--n-:; , Ji.-d:-irdxn';aJ uFr....=s [h-F .n[,se-.t.. k".n ,_uJn. wNt d 1 rKe for Bariwrxv7:1 y.., -,.: '.nun' J t;; ., :quF.s F :e.o' d:.:Crnrw ,o'vr i. to irayr:,a:lr: N'. u:F.' t[, -~II::L ;t - ,7:G.. . r'-UJ •J2 : ]..:. r_:a' :Kona:{-~ki,7 wTh Jw t-n9JUrcy utt JR:. ,~.rkrµc., -a_II .:, -AUr ]Ik r„rt't-c _::.n~Ly'.Lir. s u , ri -. ]i .d't FI•, . -e.rt,-L.,„.,,I. ,: t.l P_x :: i7 rG:nrw., i.i ., .'S7 NIIrING RIGHiS SIMWARY'Oors N:z ;lj,prl~ iv S ,< :. 9 ,i •aru: k<,an,u~ 'AOsat To lM 8 Yw Thin Yau Fat A Mistalx on Ywr yMermnt ' ,.,u [hn:t C--.. n :r.~ .sl {'w nt-G u. 1' ~~ Fi[i ]c ^~F. ..~ J•a I-mr, sliw :, [he bl!J,ara mC+nwi,lc irda.rr ,n:xr. }:,,, :.,rr- ara --:e: Jwn nn,rt:I. ~[-Ix,n n.ra:?k Lllu x: lu.n in ,her]-,.J;. .;-L•n JI PrJtI- :I'y:•. :hirdm ,... 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II }-:u ~,ra 7ias~ti:11-3 ri:', Cre ;;c]:r - --lhw y,~: h_ ,r.r,ei .,my :r:ih:,.d, ], h,.r nr.]r ;JJ]t,m,n .:. tr: Fr:.ht xah N- Iwv, y.x, r: 5,.-merPub -v.J F,, ,h. rs. r~,n J.. '..] -the Fu:h,s _. =ught, .ill :Il N urn: st t. t ... .,,, a--t 1, ari y: - n :,ri b: th l :h.,:-. Pu h r ~,..-: sitn .u-Y. ,h -tart ,': A*M' -•kt ', .hr.kth~ ]i; .w ..J,.t i:rr. Gully: }J..maint~:tr..,v- !idly l,]:;r for l:w Y-u'...I ';ri JlN .err„[: v.. '-t-.~,J..r.al~.:',; ]i:]s. hN-. µ,.t ,s=,:J+R~:t us IlLL"L4Llii' ut Fa-' _ar ,U2 k. n JT AI - .{hd. s.. ~'i.,:9y,t., t}: _. r'. r J OFF S' p the ]:-F...] 'err •u.h . ..':r':~ ~aJ . 41cr :- t,i Jr ';u hza;,h; :. s:. r:.t J.,!J:.4- .,aM,[,:.iuL't,...h'vv.uas-,•.r Jnt-,r..:},J.r x,r, w~rrr; ~F I , a= } 41 re.J:c „k:A _,Fd I :-: ,:.,1 _~u,uer ar,~,< :.rt.. r', t. ,A.ar: TC-0e o7P-op t Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ................... _. Alternate Phone ........................................................................................... E-mail ~~ Address........._......_._ ..._..._ .......................................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper dip your check to the payment slip. • ee sure to use the payment envelope that came with your statement. Using a different envelope could delay prornssing. • 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 accourrt online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: vvww.tapitalone.com Page 2 of 2 1-800-903-~37 ~------ WWW CB ital00@ Wm --------- lu1.20-Aug. 19 2011 -- ---- 31 ~ninBiRirgCyfe I ~r . P . , ~~~~. ._ ... \ ~~~~ ~- Platinum MasterCard xx)DC-XxXX-xx>,7t-1725 Credit limit: S3,SOC, PC i i ° ' ' Availade GediC S?A.57 ~ ~ NEW BALANCE .,3ic> . :>i~• ; ,~:~ i`i'i :iii;i :r?:",. h I i Cas Credit tanit 51,500.00 ii 53.475.43 ~. ~~ii.»v ~s~ •.iai: ~ AvailaNe Credit for Castr. 5?4.57 ~ Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ~ 53,464.57 i ~ -- S720D ~. ~ 582.86 j + ~------~-'' =-- ---' 50.00 ~---------' 53,475.43 i --------J I'~ I TRANSACTIONS CONTINUED ____ _ _~ '', '~uu !^;ere assessed a past due fee because your minimum paymenhxas not rece'r:ed by ~~, the due date. i o av2~id this tee in the tutme, ,+~e re:ommend that ; ou alto;" at basU business days for your minimum pa;rneni [n rea:h Capital rkie 500716 Important Notification about changes to your account terms The way we calculate your minimum payment is changing. For detailed information about this change, please refer to "Important Notification about changes to your account terms" enclosed with this statement. ---- - _--- Page 1 of 3 1~OQ-903-3637 ----t i ~ ~' W W W.CSpItalOOn.COm Aug. 20 -Sep. 19, 2011 31 Days in Billing Cycle ~ MINIM(Rd PAYMENT WARNING: f 1~ make ordythe rmimim payment eadr perod, you ! Platinum MasterCard 1(xJa-~-xxxx-tlzs wDl pay rme in'rterest and i vdl [ate pu banger m pay nff your balance. For example: ! Paymem Amoum Each Period If No Appro>amate iirra to Pay Off Estgriated NEW BAIJ-l~E .,i;3i....i\•;;;~C`i:~~: ,,,uw ~~;-~- • Additional Charges Are Made Staement Balance coal Cost $3,35$.90 i;_&~1 .. ~~Ct F r.~•1. ~ Atinimum Payment 20Years -T 38.779 ! I If yrw usnuld like infornufion ahara ^edi[ ewnseliny zervices, cab ! -8&S- 376-8055. i LAtE PAYMENT WARNING H wedorp rearre you r,inimum payment hY you drir date, Credit Umit: 53,500. W [ash Get6t limit: S I,SC0.0(: Y"" ~'Y have w pay a latr fee of r:p w b35.ar and you AFf6 rray he inrseased up m thr Penalty APR of 29.40%- AvailableCredit: 5142 C0 Available Credd to Cash: 5142.C0 , Previous Balance Payments and Credits Fees and Interest Charged 7ransactiars New Balance ---, ~--. ~ -~ I 53 475.43 _. S20D.00 - - ! + ~ 582.57 J~ .} 50.00 ~ c ';' 53,356.00 f :.:.:::. ;.. r,:..... , .4i~ .... .,. _.... ... ... .., ~ 1. TRANSACTIONS . PAYMENTS, CREDITS & ADJUSTMENTS FOR JOSHUA W HEIlN #1725 I 1 02 SEP Cap 1 DeGtC2rdPhenePmt AuthDate 02~Sep IS1Ln.C(,i j 2 16 SEP Cap ; DrhitCardPFinnePml AuthDate 16-Sep fSt00.C4? ~ FEES ~ I 1 ^~ 6 SEP PAS'- 211. FEE S35.OC Total Fees This Period 535.00 i Tala1 Fees This'iear 5215.00 '; INTERESTCHARGED ! !NTERESTf}!ARGP.P'~JNCHASES S22.gg i iNT~RESTCHARGF.J~SN 524.63 Tntal lntrrest This Period 547,57 i . Total !merest This fear 5405.47 '' Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agcnl will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Atmual Percentage Rate U1PR) is the annual interest rate on your attotrrt. T e of Balance Annual Percentage balance Subject to ~ _ Rate (APR) Interest Rate Interest Charge Ruchas=; t'I,9C9FP 52,266.Cfi 527_.39 Cash 249C9oP I 5i,t67.C3 S24Ji3 Po-EASE RFTl113N PORTION REI.OW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057658101725 14 3358000100000481009 ~.t7le Account Number: 5178-0576-5810-1725 Due Date New Balance ,~..._...... .-._ Amount Enclosed ~ , ~ ---------1 - -~ Oct 16, 2011 ' (` $3,355.00 ~ ~ .........,. ~ --_- I - .%'` ~~~.:., ,,rr<r . ,JOSHUA W HELfI 3 E MAIN ST APT 3 NEWBURG, PA 17240-b L06 rlrlnrlnlllr,mllluglrlll,l~ullllllnlllrllrrllrr,lrlrlrnl Take advantage. Take control Manage your account online at www.capitalone.com • Make payments • Review aaount information • Manage your account in privacy 400006 Capital One Bank (USA), N~A~ P~O~ Bux 71063 Charlotte, NC 28272-1DB3 nlllllrlll~~nldrlrhlllllrrllulr~llrl~lllrll~rllllllll~lnl Please make Leda payable to Capital One Bank (USAI, N.A, and mail with this coupon in the enclosed envelope. Now can I avoitl paying Itterest Chames? E,:h r ,c , :, yJ, '1 : Fyln ' ~ tut., ;~, s.7, h, •_ ~: -i.nir,:c.. ]., :, L}~.d•'.J'.: -.>: Y-a :ra rs .rn.`tr :.u_:kx...l.l-:... Jl y:•:i~,l .h, :. :!:J .d• JI-Jia::. It }JU 1w C. ~l! - a J iJx ,.'!U.It a~ tW 1,im IIJ rCl t I~n~, -J:1:1. .. 1] u ], 'n F'-},., r,s .: 11 `,. ... ...'., ]Ine .:h~,.J..wYt.,"-'.-. thYe ., Jr,.-:.n J_.,,:.:•h •~-:;.t, t't.:u .r: r, a.u::: Y, sd r*.:=-r. .,-.i. t,lx. rnr , Ft.siantl. 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'. r, 111r,.:.x h"u :- .,.. i., of h,v: b F,y Lh- , ., u,hl s.: --.,d , ,X~ , _•t,a m. _x.-...~ , ...,x Z~uOJtTx ,,r.FJ :aH: Ixm --nd, .l5 u, ,.I_- Yaur Righb If You Art Orssriisfietl YWtlI Your Uedit Card Purdtases. it g:u n- is>:`Y 1i-7'..icl C.- 3:.1 :n -s m,t }a:: h • H,x1:F•i s:"tr:5:,w .rvit , ] ,J, h. ,'=ni Lt. ~a.,] Iuith t - m- y:ala: w3h m Faa. ,"x~ h etm:_i[ K F:m=,e ,i m=Fu; :h-~. sryM y7 ,t m I:..%Il rl' _:[ [ t e: i.rxl r -t fN- u:.1 ; .- k ,li I, Iti I.:.h~-,-- la h t ,..: tivth nh ,] -ttxt mA*A1-':.ffi, .'h.:ttht,.. r ]h.'~ .. ,, ~u dY,.: }'., ,,aax;--t ha.-e Ih 1.i7 'J~th'-I. Y-,':-.t ~~li ,lm Yn,-.t.n--. t x,•_,:,.-.r ul i'.:,u li-is nth-. Iu. J.:,,, ~::;x~:t u. jl>~~yL Fitul `r - - ,x 3~~ ~ LhM I, s:.. t.,...vJ_t. Pa: '. Imzs ryFts t: m- :F..a.] ,r u , ..... -. .Jr: :.. 'ri>h J: ~rci.;,t,,rs:%r Ytl ,"x1 x.!ie:nlx'-?lmx,il!• t)..-Jiu S..IJ. ,1.n..u tn.-}JU J. r:t ,,~•,?n-.~,• :le 1 F.rr i, G- {: tFJ t -- t ~ F JI ;,Fd, _a est.^, lyt ,p:ge.J ,kJl _.y ,I _rr,F , :'.,I. t.u,C .T,Y rJttt .,,... 1 <A:x,. r'-::. '~:: 11 Changing Address? Address ........................................................................................... ........................................................................................... Home Phone .................. -- Alternate Phone ........................................................................................... E-mail ~ Address.........._.....__._ .......... .................................................... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • 6e sure to use the payment envelope that came with your statement. Using a different enve/ape 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. --~ in your walret7 TAKE CONTROL OF YOUR CAPITAL ONE® 500D1 ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. We're here to help. You can regain your charging privileges and bring your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. n 2()(/) (:apiutl ~><r. cap;mot nnr ,_ ardually n~irrrrzr/sn~czrc mark. A/1 ngGn rcren~rd. Page 2 of 3 1-SOQA03-3637 C~l~~ www.capitalone.com Platinum MasterCard XiCxY-XXXX-XXb(-1725 NEW BALANCE ~,....,..,i~` ; ,,:~ ~`h~i' ...,.. > i'.. -$3,358.00--------- \s`~;.... iYt_ --- -- , Aug. 20 -Sep. 19, 2011 37 Qays in fSiAirg Cyde i ~ -- -- Crerk[ limit: - , Si,50G.OC i AvailaWeGediC 5741.DG Cash Credit limit: 57,500.00 ' AvailaHe Credit tur Cash: 5142.1)0 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance r 53,475.43 ~ -~ ~ 5200.00 i {. ( 58257 , } SOAD ~ ~ 53,358.00 ~--'' ---------- `----------- ------ -1 ( TRANSACTIONS CONTINUED 'fou mere assessed a past due fee because your minimum payment ~xas not re:e'rzd by the due date. io asuid this ?ee in the future, ~xe recommend that ; ou alln~x at least 7 tWSiner days'or your minimum payment to reach Capital Qre JOSHUA W HELM 200437 Important Notification about changes to your account terms ~- DearJOSHUA'W HELM, At Capital One" we're committed to providing our customers with clear and timely communications. Today we're letting you know that the way we calculate your minimum payment is changing. Please keep reading to find out how this affects your account. Thank you for your business. We look forward to serving your financial needs for many years to come. This chanoe amends your Customer Agreement. All other account terms and conditions remain the same. Please keep this letter for your records. © .'011 Capiarl One. Capita! One is ra federally regis[emd service mark. All rights reserved, ~~~ whaYs in your wallet] MAKE A PAYMENT. AND TAKE CONTROL ~'~ 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. Lets work together to bring your account back to goad standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ~ 209 Gxpital One. Capita! Onc it a frdrrally xegimred rerr~ire mark. All riglid rerm,•ed. Page 1 of 2 7-800303-3637 ~ -------1 www.capitabne.com i Sep. 20 - 0.19, 2011 30 Days in Oirirg Cyde i ~\~ ~\ ` ~ MINIMIMA PAYMENT WARNING: B yu: mtke ordythe rmirnum paymm[each periotl, }art '. ' sell pay more in interest and [ will rake you longw b pay oR you halarae. For exaryile: Platinum MasterCard xxxx-)ooa-XXXX-t 725 paymera Amount Each Period If No Approtdmata idne fo Pay Off Estinated NEW BALANCE .........?~••:;~~~`\;' „~ „PYx Addidonal Charges Are Made Statemalt Balance iolal Cost ''~, $3.237.98 ,.r,.... ,. (SOS ` vt1 0.7inimum Payrrent 20 Years $8,80.2 If ynu wnuld 5ke infuns~aion alxan vedh cer:useing seeven, c# !-888-326-BfY.,S. ~'~ LATE PAYMENT WARNING If are do nut rearm yon rmirum payment bT your rLe dale, i Credit limit: 53,5(:0. W Cash Crerht litnit: 51 500 00 fu' r~Y have to pay a 4xe fee of up m $35.IXr and you APRs may he ir:aease.^' up ro rte i Available Credit: S2C,L02 Av , . ailable Credt for Cash: 5262.C2 Penahy APR of 2i.a0°b. j , Previous Balance PaymeMS and Credits Fees and Interest atarged Transactions New Balance I --------- _ -------~ ~ ----, ; -~ i f 53,358.00 i 5200.00 ~ } 574.96 I .} I 50.00 ~ = I 53,237.98 I j `-- ~ _ .. I .. - ... ..... .... .. I Rene:n•al Nntice -See loth side: o? Ore first paye of this statement tnr important I '~, intormatinn alxnat tales and interest :harye :al.ulation. I TRANSACTIONS -~' PAYMENTS, CREDITS &ADJUSTMENTS FOR JOSHUA W HELM #1725 1 30 SFP Cap ` ~~ehitCardPhenePmt AuthDate 30-Sep i,S'~ W.0('+1 2 14 ~ Cap' uebilCardFhnnePmtAuth"vale 14-Oct rS1C0.0(a ' FEES i I 1' UC'' PAST'')Uc F.E S35.OU '~ Total Fees this Period 535.00 i otal Fees This fear 53??.00 Transactions continue on page?_ Help is Available. lust 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 amual interest rate on your accoutt. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchzses 1?.4L%P 52,?C5.1? S2C.54 Cash 24 9096 P S?,'9'!.55 S?4.39 PLEASE RETURN PORTION BELOW '/VITH PAYMENT OR LOG ON TO WWW.CAPoTALONECOM TO MAKE YOUR PAYMENT ONLINE. 1 5178057658101725 19 ~237eRn1nnnnn~o~nn~ `~i~~ Account Number: 5178-0576-5810-1725 Due Date New Balance ..,,,,._.~... , ._.. Amount Endosed ---~ --,, , --------~ 1 .- --~ Nov 16, 2011 ~- $3,237.98 i ~ ._.._ ..._.,. j • :~ c..:~ ,,..,. JOSHUA W HELM 3 E MAIN ST APT 3 NEW9URG, PA 17240-8106 I'I1'Illlllll'I'I'Ill'I1II'IIIII'Illll'Il~lllllll"II111'IIIlllll Take advantage. Take control. Manage your account online at www-capitalone.com • Make payments • Revieev account information • Manaye your account in privacy aoeoo6 Capital One Bank CUBA), N~A- P~O~ Box 71083 Charlotte, NC 28272-L083 nlllllrlll~vlldrlrhlllll~•I(u4rrllrlrllhll^Illlllllrlnl Please make dredcs payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. lOSHUAW HELM liow can I aroid paying Heerest Chames? 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F ,.-:.-. ] nt x _. at n:~ s:•,}: 4:ner ta:l m]-, t l'x :h.?:k nl, r,-m t, nJk - pJ}t.-.,-u out i, ,:: .x ,. ,yet-i, ue tM i ~.,U. •tJ r:k.,, ti:.=a,H-.r-J.~.r ,.aR tu;. t.:;r]J.r -:., x',:u:7 FJ~t,:.:-ut.'4'e rr:r , J.•: m•rttlxp'int .,.,....' m.1',v eu',s'+te.tv.rl~,.tut. Whet fi 1 file for Wriwotv7 d T -.- =n-dei b rx huF •. F'.t- cJ mi :.. u :uU.vr ': In 're r rdJr , ~', n:~ Ft t, :,ll::t. u: ,i. ti :. I,u.C., ,' ] ~: s:m-rut •F.,ki:Jwv`f ..n4auFL}sr Jm:. _.n4uFL} u_'n rn:x 5%u ap'.r :; .IL .. :; rt,n ..'ih UFC}'L:kl. ]ir-:dt FI ,. -. , „:JI,w... • r0 Es 9.::.. :,k i-,k...tt).. -.q 1.:-.,tt; BILLING RIGHr55lIMMARY ,'Dees N:n ~,prio 5a .'Brn••xrss Acr,txti:. wMt To 0o M You TrirJr You Frd A Mistal~ rM Your Statement ,.., m' :: p : n .,... ,~ )-:•x . ecut c }rt,l ar<. ^IF ,Ilk, m . JT ~ 41 s' ; ,u kn:~, Jis~ us m. I,Il;,wiry ird.•rr ,d nc !t ird'nn ,d:tr.l:'ur rune rdu:-:, - untr- .rt.h i-Il~n unit ,y::... ,.. 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Your Rights If You Mt Disaadsfietl Witlr Your Gedrt Card Purfiaes. i1 rJU ua ii:s~,ti 11ei rsU1 p.e ~ ci ,r .nm'd YJ.h+I.u Y:se7 s.kh y-,u•.r.iit ,. td }a, n, re v+.ir. }r.,i t;p,b - tm=Fretl~r vtth M ...1 :x3.)JU-.. h, :nee n:Ar,nq~, F-,y m-r -r-,n.,_r[7 m: l_n:h,s ,::..nrs r~ht. ,:l ',1 m i :.. n u.:t t tr..-- t YJ, u t f.m us-i , u -1& n] i, th. I- Y.u::..'u h n ,.:- ..im a: h• ,i 1,rr:n•A?M, ..I'Jrs'.hckm.t,-v, )•xJr..ik., .- ,.{uuld)•..1J.rt'Jtn.,-rrr,.r !,Ili I.',]Jr tH, l:n t,.. .t-,li ,tm a-t, Jt: v-:-.'t-.i5-,.-.r v17..:.,v 1i-], Mn: Fu,.h,s...,rrr„ u=n•s, a:r, =,t Fk-t 'see Euh. Lukk ;it}•, Ln .4! 3~ :2=5 lh1l . ,. ,J,_t n: -. . ,}.Fly n m• , }... ] Jr .u , ..... ~:: r :. i sl1 ,: ' i..,-,t t.., IL x,. J:. •.-rx. 41 m,; ,.irrJ J!. n. ,~. ,r r,., IJr. }JU J.. :4 ~,~wt n'I,. ._I t) :1!In~uent .,µ, ; ,13-r-J;-r.. -.k,l _,F~ ITe Fern ::,l- F r,Lr...f rijM _~,... I ':~:n- Changing Address? Address .......................................................................................... ............................................................................................ Home Phone ................. Q Alternate Phone ........................................................................................... E-mail r= LL Address..........._......__........._ ......................................................... Please rint address or hone b h b i bl bl k k p p num er c anges a ove us ng ue or ac in . Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper dip your check to the payment slip. • 6e 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 a>r: www.capiialone.com (;;~p~r~- Page 2 of 2 7-SOQA03-3637 i~ ~ I, wterw.eapitalone.com ~ Sep. 20 -Oct 19, 2011 30 Days in Billing Cyde , Credit Limit: S3,SGG.00 , 1 Platinum Mastercard XXXX'X;OC:C')DC~('1725 j ArailahleCredit: 5262.02 i i NEW BAUiNCE .........:~` 'r ~ ~;i~i' ,3:ii..iT.. Cash Credit limit: S1,5CC.OC , ~! $3,237.98 `~~ ~~ ..:R ~sa a, .. t S i AvailaNe Credit iur Cash: S7f 2.02 ~' j i i Ftevious Balance Payments and tredits Fees and Interestdtarged Transactions New Balance ,~ ~ 53,356.00 ~ - ! S2DO.OD ~ } (~ 579.98 I + SD.00 - 53,237.98 I I i `- --' ~---------' '------------- ~---- i -------' -----------J i f TRANSACTIONS CONTINUED ~' INTEREST CHARGED '~,NTeREST CHaRGe.?URCN:aS~S S2G.59 INTFP,EST CNt,R,E~C/.SN 524.39 total interest ibis Period 544.9° Total hNerest Tlris Year 545445 You ~,a~ere assessed a past due tee because your minimum payment •n~as not receispd by the due date. To zwid this fee in the iutme, we recommend drat you allo~,u at least ? business days br youi minimum payment bto reach Capital Qte. TAKE CONTROL OF YOUR CAPITAL ONE® ~~-_~~~ ACCOUNT AND KEEP IT FROM BEING whaYs in your wailet7 PERMANENTLY UNU~4BLE. 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. ~,T 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. CJ 2(X)J C.aJ Tart ()nr. (;apitrt/ ()nr r-< a frclrrally re~irtrrcvl.uraarr mark- All ri~Gta re:.rn~rel. -_ _.. \z Page 1 of 2 f -80QA03-3637 I ~ WWW.CapILaIOOt'.COm Oct. 20 -Nov. 19, 2011 31 Days in BilirtgCyde \ \~ MINIMUi PAYMENT WARNING: M yu: make onlythe rrninum payment eadr p°riod, you • \ ~ ail pay rme r -uterest and'6 will rake you longer to pay orf year balance. For era!pkr: Platinum MasterCard xxXX-XXXx-xxxX-1725 Paymert Amount Each Period If No Approumate Time to Pay lxf Estinatad NEW BALANCE ....:i"^iC:; ~.~~`~\e :?u,. .`;Tt'", Additional Chagas Are Made Staernent Balance Total Cast 53,319.41 -,~@?~: ,. ~,.,; <~; ,. - btiniran Payrrerf 70'lears S&ti3t If you war;M ~ kfam~ion ahoiA aedit cwnseliny services, call ! -5&i-326-8055. - - LATE PAYMENT WARNING: B we co nor recr'rre yon ninimrm payrrnt 6Y your due dale, Creddlimit:S3,SC0W CashCreditUmit:S1,7CQOU Y~mal'havempayakxef~ofuPm535.arandyourAPRSrruyheiraeasx^'upmthe Penally APR d 25. W%. Available Credit: S'~, 50.54 Available Credit 1w Cash: S'~, 80.59 Previous Balance Payments and Credits Fees and Interest dtarged Transactions New Bakvtce i 53,237 98 -- ~ 50.00 t 581.43 ~ + ~ 50.00 _ ~ 53,3-19.41 ~ ~~ , ' , :: _i~ .. .... ... ., ..... _. ..... ,. i I TRANSACTIONS PAYMENTS, CREDITS 8 ADJUSTMENTS FOR JOSHUA W HELM #1725 FEES 1 le Nov PHsT r.•u~ cLi s3s.oo Total Fees This Period 535.00 I ToL~I Fees This fear 5346.00 i INTEREST CHARGED INreRrsT aARCe Pui;eHASFs szo?o i INrer~sT aAR~ecL r szs.?3 Total Irdwesl This Period 5»6.43 i Total irrteres[ This Year 5496.88 '~ Transactions continue on page 2 Help is Available. lust pick up the phone. Call 1-80Q-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE tALCULATION Your Atnlual Percentage Rate {APR) is the annual interest rate on your attovd. Type aF BaLarlce Mnual Percentage iS~ance SubjeB to Interest Cbarge Rate (APW Interest Rafe Plu:frases I 1'.90%P S?,043.26 I S?C.i6 Cash 249CWoP 51,216.61 525.?3 PLEASE t?ETl1RN F'DRTION F3ELOYV WITH PAYMENT OR Ll7G ON TO VVWW.CA%TALCINECOM TO MAKE YOUR PAYMENT ~7NLINE. `~~ Account Number: 5178-0576-5810-1725 Due Date New Balance S+;ri±e;~<~1? e're::.,,t Amount Endosed i De[ 16, 2011 ! ~ $3,31 g.41 i ~ .........,. i ~ _ J .~ 1 5178057658101725 14 3314410100000507008 JOSHUA W HELM 3 E 17dIN ST APT 3 NEWBURG, PA 17240-8106 IIIII'I'Illllllllll'l'Il''Il"111'I"I"'l!'I'I'III"I'I'l'11'Ill Take advantage. Take control. Manage your account online ', at wwW.capitalone.com • Make payments • Review account information - Manage your account in privacy aoooob Capital One Bank (USA), N~A~ P.O. Box 71083 Charlotte, NC 28272-1083 nlllll~lJl•rulllr4rhlllllrrlln4r+Ilrl~lll~l!^Illllhlrhll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 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'11 aprlt•-nr rxe:ri]sra n!t •3'-xr t}-„ reA!iirt Your Rights If You Art Dtssausfied ltdh Yow Credit Cab PurAas!s. it >•,u m- ]i>sati>liei rxl Cr- ~o]a :r .e<Nt)-.n,h u.t ~r-i t'.~eF, r-i4:~x.'. it`.s, hr~-o:.i ,Ju,7 i;aJ•,i - r-:i tlr: tr:dlnr x-rh T -_r.hxa, yx'r' ~ h;w rh- n~rt t ., {:., the e r r .3'nrv t ] -. - ~r {.rF M1, •- L ne tnc ryK. sp ,f m r a 1r.,nT u'rct r. u.,e. ,nu r - x t;.'. a==] } r _'-. r, ad b tti. I- .ta-,. P rt. , n,.::.ah a-r. a7Yx<-ahxr x•A*M i's:,d, ~,'h-. krh.r,_. .r. 7[..x ...xxa 7: nit tul?y. '.. YOr, m.,K mi}-U:,w !ally l.,i]l_r the l: Y',::.!t-,I~,Im 0.r',-t r-^.r -:t-.. .i: 91 , :#:liri ti:h m'. µ.. h-.:r•:.vt;'t u'lllA7jyl;'~t C.'FA'l ..s - s3~.- iukLuk-:iry. UTC!3~ ~:_< ti'hla s.-r raxw., L th -: -e n..- ipy ^,.~ m. {....] x'-.u.r+ .- 5-:.n:'•.. 6,rc :User w-• `rkl; -.,ur .t--t,aCu r. rz 1. ^,[I )-;, r,r Jc =.x.. ?t thxwn It... :lv"k }:u:,v. ,r r.,unl,.luu J.:r ~{.ran'~,; ;,Fax:xs.?;pLdxu xt~,ipnv ;(.u. L.[:..- ,:.ta. ,r. .F_ul~.:. :Fk~.a: na M. aly r:yir-];:rr.' ,-nk:,t _aF ,I.t Fr-x':.:al ,7 r, ;h:n .af ri~x: r-:-•.-,i at 1 ._citl ~rq i:_::' ?':; 11 Changing Address? Address .......................................................................................... ............................................................................................ Home Phone ...................... Alternate Phone ........................... ........................................................... E-mail address ......................_................................_.................- .......... Please print address or phone number changes above using blue or black ink. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope 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 _ ~:., Pege 2 of 2 1-100-903-~37 i~ ~ - wvvw.capitalone.com j Od.20-Nov. 19, 2011 31 ~ysinBilirgCyde ~'r ~-------------------- ---- >~~.:~~ -. ..i:~:A~~ ~ V~ -~.>> r Credit limit: S3,SOG.OC~ Platinum MasterCard xxxx-xxxx-xxxx-1725 AvaitahleCrediL• S[3C59 i NEW BAUiNCE .......'i3~. ,~:~ ~`;i~ »ii;; .:::i',. Cash Credit tinic S?,500.00 i $3,319.41 S?`.'.:•'..`•`.'' ...... _ ~~ ;? AvaitaNe Credit fur Casir. S7kC.59 ~ Previous Balance Payments and Credits Fees and Interest drarged Transactions New Balantt 53,237.98 - ~~ '~~ 50.00 } ( 581.43 ~ } ~ SOAD ! 53,319.41 i ~ ~----------' ---------- `---- ~ --------7 I TRANSACTIONS CONTINUED ~' you ~~;are assessed 2 past due hz because your minimum pzyment ~xas not recer;ed by the due date. ~i o aroT~id this gee in the future, •.ae recrnnmend that you allm« at least 7 horsiness days iur your minimum pa;ment b reach Capita! rkie. -_Jr irs your wallet] IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! 500012 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. (~) 2(1(1) !"apital nnr. (ttlriml Orm i.c a frilerally rrgi.rtcrcd xrvice mark. All rights reserve ~.z Page 1 of 2 ~ ~ Customer Service 1-800-403-3637 Nov. 20 - Dec t4, 2011 30 Days in Billing Cyde j 2L~ www.t'.apitabne.com ~ MINIMUM PAYMENT WARNING: If you nab erly Ne minimum payment each period, yea will pay more in interest andR will take you longw m py off your balance. For example: Platinum MasterCard )OCXX-XXXX-XJCXJ(-7725 Paymem annum Fach Period If Na Approrimate Tima to Pay Off Estimated NEW BALANCE ...... .. ~i\`;;Y\'~?• ;' UkrE u:,Y Additlonal Chagas Are Made Statement Balance Total Cost $3,400.41 -........? ~ .; <, ~, ,~ ^? Nlinimum Payrrara ~ 1 Syears 33,15. If you wnuld like irtarrtation atxriII otr'ii cwnseling srni:,r-s, call 1-5&F-326-&~55. - LATE PAYMENT WARNING: If we do rd receive }roar rnr+imum payrmrt by you due tla[e, Credit limit: 53,5(:0.00 Cash Advance Credit Urni[: S 1,700.00 ya, may have m pay a latrfx of uP to 535.ar:r~d yor, APRs may he iraeased up m the Penalty APR of 25.40%. Available Credit: S99 59 Availahle Credt for CashAdvancrs: 59959 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ~ ~ -- --~ 53119.41 -~ 50.00 t ( 581.00 ~ + I SO.DO ~ _ ~'~ 53,400.41 i (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOSHUA W HELM #1125 I, ~ FEES 1 1p DEC ?AA'vUEfEt S35.OC I Total fees This Period S35.OG I i I INTEREST CHARGED INTEREST CHARGE:?~JRf.HASES 520.58 iNTERESTCHARGE.CJ~SHSDI'ANCES S25.d2 l0tai lnlel est This Period Sao.00 I i ! TOTALS YEAR TO DATE I To[al kes This Y ar 5331.00 ' Total Interest This fear 5542.83 i Tra nsadions mntintte on page 2 ~ Help is Available. lust 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 accolnt. Type aF Balance Annual Percentage Balance subject to Interest Charge Rate (APR) InterestRete Purchase; 11.9CW P 51,104.05 510.58 CashAdoanres ?4.9C4oP 51,241.18 I 515.42 P, I, D,E - VariaNe Rate. See reveae of paye 1 for details Po-EASE RETl1RN PORTION BELOW WITH PAYMENT OR LOG ON TU WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. `~a~ Account Number: 5175-0576-5810-1725 Due Oete New 0alance &1eai;;:;:;r, p`w;;:e; : Amount Endosed ---- r Jan 16 2012 ~~ l $3,4011.41 i ..-.-, ,. _1 j/ ----~I -i ~ l ~ 1 517$057658101725 19 340041010000062200$ JOSHUA W HELN 3 E WAIN ST APT 3 NEWBURG, PA 17240-6L06 rlrlllhl,Lrl~lrlllrlrrllllllrrll4lllllrll,Irld,~uullrlulll Take advantage. Take control. Manage your account online at tvww.capitalone.com • Make payments • Review account information • Manaye your account in privacy aoooo6 Capital One Bank (USA), N~A. P~O~ Box 71083 Charlotte, NC 26272-1083 nlllll~lll^ulllrlrhllnhrllu4r~llrlrlllrll^Illlllllrlnl Please make dledcs payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. IOSHUA W HELM Nor ren I Avdtl Paving Inirest Charges? -.,i J! •;,u F~~~ r.;u; "Ne;'.• F1.t:;= it fu!'a pu v.iE :;~ive ; Wlln ril you Cretlit Mr Pavna!K? [, n.,r~-:rL:,.,,e,::,: sum grrt'•-dM1,-,:n,9 .e,, a, r•~h'r.. ~, Y,,Ier-r, A-1.,31..-:'.I ~Fx r~hr::n-,+-:;:T.Fn:e•asJmtu3r•.i,y'.:.a.:t.,sl'.,:J, .`!, }',.:: ,'_-tSiE.n.F' rr hr-.-~n1:14 .c-.h,1i->. it }' ti•.t-°rF,yiy,,m-,:hn[nid summin:.::l .h,y_: ryFN.7,..7 }~u ,I:.,F,,,srt.-i rf ttc[uvr_-7nK.l:•:s.i.,-:;3 ~. ~.',xi ';.4=[:cu G.aox1,1 Vi: '. .. ,.h :i-„-= r, .r.:Ayra .h-'ka.m. e•: r:-.]:nlRn..,-: ,]„}•-n y„r.. s-ri nn-l;,,r ~. -u L-: -t-::- 1.. ,m, cs. o--. ..-a s.+:.I~: ,n ,r. i.: J7r. , a: -,t,-si-ns [il!. 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C:I.1 ]'rye.h: Clrty I -. .7i[. ...,t m, .. -I :. }-~ -,. nt Tr ,•_~c F,yn J -,. :IiJay nr:i hit f=?, ., rc,.t _,:ta.-.rn, , -.:{.-:, m,: ', I .., -._rxlt ~nJ tw sdS .... ss,a ;.u n.,trl•; IWw ranlrk..a ra~a..,.a ., m:.t _,.t .:c ;:ry::. dls :Ir.. ,.,n--..: It a; rt11 '. +; :'ll-yl -, li'tiV I F`t, ,: a,1t .: tiny t,lull:e F~'i,s.. dra~.au unitl =fir+•.. M-, r_.-tl~u, l,,.a-. .~: -7t .? h~x:e-...+,.'-,.-:~u ,uri.iTu-, Ru v:L_:t+.-:, K.'. ;uul What happens d my Ar a c.D n• a.m +,M1s I =url. t i 5. Pub t tr -] t c-', cr -.,~]I, . :v.l, e. Ayou ,r- ,t .-L,k a..axf c-. r. xr n,t ~1r ..n ,, r..:, u1 •.N u[:>.I'-.7a'..-F ::H ,rt it .><: .r ii„ -,d,. [' _:I -II- 1-.:h'. rS ~.n, 31 ]~G -1:.].:.,.J i .-_"~-:k J4.-,r.~ll-. t+: ).v .,... '. 7 meTs :. nJ:7 r•r ..,1 How tlol Make PartemsT nr ulS'" }: , I. In1 art F-y (the blv :, - t .1 .., ., , ., x1. -.~h. '~: r~ k {: f: ,}er- ] mj?-:: 3„7,,: 7r.,1- 'nj m_a,1x:,n kE.'.M1h-n S.v :ukp~ yh -ntm -..h ,ul ..n:... F. u .m:.r,. ~,:- r,t-n!a:ni .I-_t..nrlr-=r..T~tai~ 1 _rs'auwi ~,: :. ~ ..:7'.n. '1'- -'A- -:Y-,JS-e; 4 P_- :V_ty1 I h: ]s'.:::• ]...- ul.nj ,]7 ri.:.]nam-ta- -, .a 'Im' .:.,C Changing Address? Address ........................................................................................... ............................................................................................ Home Phone .................... ~=" Alternate Phone ........................................................................................... E-mail `:O Address ......................... . .................................................. Pl a i t dd h b h b bl bl se pr n e a ressor p one num er c anges a ove using ue or ack ink. i, ';= 11,3.:;1. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper dip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope 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.tom ... \, P c 2 of 2 ~ 89 ~ Gstnner Service 1-OOOA03-3637 Nov. 20 -Dec 19, 2011 30 Days in Bilirg Cyde www.capitalone.com ~--- - - Cred'R omit: 53,500.(q Platinum MasterCard XXXX-X)OCX-lOQ0C-1725 ' AvailableGedi[: 599.54 i NEW BALANCE ..........i\` : ;y~;;i??° >..,...~~`.`:.. Cash Advanrp Crecfitt limit: 51,500.OC $3,400.41 :?..r. . a... ~:''? i Available Crept for Cash Advances: 599.54 i Previous Balance Payments and Credits Fees and Interest charged Transactions New Balance --- -~ -l , 53,319.41 -~ i 50.00 ~ {- ~ 581.00 ~ + SO.OD c 53,400.41 ~-_- J .______-__-. `---_-__-_J ___-__/ f TRANSACTIONS CONTINUED ~ i I You mere assessed a past due fee because your minimum paynrent ras not re:eised by j the due date. '. o ati2id this fee si the future, sve recommend Ora[ you alfnx~ a[ ~a;t 7 twsiness day. loryoor minimum payment b reach ~:apRal !}re. i , __~-' !n your waflen 500019 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. Atake sure you call a pay the amount due on your statement by the due date to eliminate [he risk of being r:ItargE~d oft. ~ 100) C'rtyira! One. Citfirn( Unr i; a frdnrt!(y rrgirlrrul !rrnire mark. All ~iRht, re;nvrd ...-._.-ma+un~. MINIMl1M PAYMENT WARNING: ff yu: r*Nke onlythe ninirrtm payment ead; perod, lau will pay more n iraerest and H wifl rate ryu longer Ln pay off you balance. For exanple: Payment Anrourrt Each Parind If No Appro>amata Time to Pay OH Euirnatod Addidonal chages Are Made Staenrent Balance Torras Coat 0.9inirnan Papr~em ~ i5'/ea¢ -T 3&14f If ynu wnuld like information shout vecit cwnseliny servicr-s, Cali?-5&5-I326-1+"155. LATE PAYMENT WARNING: If we do nut rerrive you ninimim payment by your We date, qy+ rkty have to pay a late fee pF up w $ 35.OG and your APRs may be inveased up to the Penahy APft of 24.x0%. Fees and Interest Charged i -~ l 583.65 l :} TRANSACTIONS__ _ __ ~----- '~~, PAYMENTS, CREDITS & ADJUSTMENTS FOR IOSHUA W HELM #1725 i i I FEES I~, 1 ? 6 JAN PAST DCE FEE 535.00 Total Fees This Period S3i.0C '~, INTEREST CHARGED i !NTERESTCYARGE.PUP,CHASES 521-53 MTEP,ESi (NARGECdSN ADVANCES 526.82 '~~ Total Interest This Period 5.9.65 ~'~, TOTALS YEAR TO DATE total Fees This''ear 535.00 '~, TotalhHerest?his'rezr S4S.65 Transactions continue on page 2 Help is Available. lust 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 attoud. Type of Balance Anmtal Percentage Balance Subject to IntertxL Charge Rate (AP(t) Interest Rate %Irchzses 1'1,90? 52,160.09 S2?.33 CashAdeances 24.9U16P 5'~~,2G9.2S 576.32 P,I,D,= -Variable Rate. See reverse oT pzye 1 for details PLEASE RETl1RN PORTION BELOW WITH PAYMENT OH LCXi ON TO WWW.C-APIIALONE.COM TO MAKE YOl1R PAYMENT ONLINE. 1 5178057658101725 19 3484060100000740007 ~wi~t/t' Account Number: 5178-0576-5810-1725 Due Dete New Balanrn ~^.; s;.,e:r i'aYr :-:':~ Amount Endosed r ~ ,-------------~ i------` --\ --~ ir------- 1! ~ feb 16, 2012 ~ ~ $3,484.06 ~ :.. _...:. ~c:.... ,.... • JOSHUA W HELN 3 E RAIN ST APT 3 NEWBURG, PA 1724 U-8106 I~III,nhllll,lulls„Pr~lulllllvn,l,~~lnlhl,~~lrrllhlr Page 1 of 2 Customer Service 1-800903-36 3 7 Dec 20 - lan.19, 2012 31 Days in &lirg fyde www.capitabne.com ~------------------- ------ Take advantage. Take control. Manage your account online at wiJVw.capitalone.com • Make payments • Review account information • Manage your account in privacy aoaoo6 Capital One Bank (USA), N~A~ P~O~ Box 71083 Charlotte, NC 28272-1083 nlll{I~Ill~~nldrlrhlllll~~lluh^II~I~III~II^Illlllll~hll Please make checks payable to Capital One Bank (USA), N.A. and mail with this wupon in the enclosed envelope. JOSHUAW HELM Now wn I Aeoitl Paeinu In[ertst Chattses? Eu:n n:mm ^ n, ::.T ~ vi 'Nr.: Fuiun:-" in tul, pu •:+I! hrc- ; n-3.,;r F:', :-.}: +.i. olA.,::t .4, ,. rF:h-.:'....I Y,I. r.. t•, r-tl-.3,-.:-,I ,.u ha -=;~i7 4 .C.:. ,r3..r. II ,-u iur t :u I:us a;;u :. ,.nn n t,l', eath r:~ mr i. ur3s ,eFh<7 n.7 y;u 7 'tl,;r„r .,r,ur-u~.,:....rc..:h,3 +alt-.>+rr'.:.m'.-so:,3r...F....',_,.hrt,.-=. Now is the Imrea O,arce apphedr lu[ ct :h, j<s -.: r +n.r II 7,[::d m. L-.r:,:o.n.:) :hB m= un ., us-~-F~.,...7>> ..t -,tr ]r 7s, u:m An. r:r ~7.I .hs::: u.: •a•nr-r-Iy~unF-i_,.n.s. , to '. ::xi'n~ all t'u -n :, .hn,:--.-.rA)•:u p.; the -•i- h:. s, :'..nr. : r.,,m tut _ 7 r a. 7.• •., m rr.+b..s r ..'..4ry-; ., ~ , hn~..-'.. ,.ae7 o d-r p-+, I :.. Jn.n ;I ~..: .;.,nt. ... Do you assess a Mr„~ium I,neres[ Chase? Y-s. A • ,n IN ifPE r,Hak.iF u. A ,., +. II t. ',. .-., i:n xu.h h'A, n:u7 y-.,r, art-: :,_,:....u,i,[r.•:.~-.r3;. Hon• do you Calodate the IMeres[ Chame? l4 , r-e.hu7 -A.. .r.::- [ .; I.. - gin. i ti rec a .e,r ::.:.-] m.. ,.-m:c,, t t -J..,-. *: ;r 7 1 _J:rr:-. :r - ;n •r, v k d' terlnmru t;n=:. „],Y ::.u;r ur-m I..i~]~..t. .:hu 3r n'. M'E: +e tlur :.-. m.l.:; :r~?LUa :} -tii~.-,rj',.rh;::~.'9-r ~I m;I7n r-r::,nism:. ..,M L:tn-,n yr: t. n~+tn4l. ts:U ur {.'-•~„ 'r m: t,lv::; -. Il,i I,uu~L, nr..s r. ]',.;!r:xxd!. .. s.cxc',.a; ~ d`i.hF.t t uw F,r::u=e 4. _'.IFw.li-:' rt-nee:, -r-m>.uF tl- :.:. ~:,,e :u.:xr-m,t,. ,y-.`ru u firs Fe: ~~.:-::ut,77.7:'~m, 9-,ily tl.~~:-:.. N:. .. :u l: 7)~.u + .,'I; F,I .:1 -.77 *.'.-7 , ,1: ~:~ruj~ .,.. :3e. -n J.i 7i•Al rn-, nt; me II W. [PI JI 7tl)3 Ice dle tillcl3 : I:. -r7.,l-:itl6n3 ,. ,-1.t.r r, }.;aln r.h-.r7.;~1:,1 ~.:. ?Ir',IC{.ly)n4s•:3-[•. k_E-,tm~= ,C' _,F-r n.-x'k S+i7eJ.. •1 I.I th-, ,ns.) t~l}Ce ~uA t, m• utzr ul •~Ih: Iraq--. u7 N~1•-..-~.. r.,xd_.3~,r r. u.. r th-~_.-, d•. I'.-,C:..r.-:: ;h:xm. !dr-tl~.r.- , t,-. r r -. .-7. Hosv an my Yariade Ataa,al Penxrdaae 16te IJIPR! change? •!>~x ATI rr',T n.u-:_, , , ]-.. -,::.ss:7 .: t •- i. m: I,Il.n,ir'; : { . 7 r T.. ;•-1. 1 er 1?Ie t'!a• St•rrt .v:v„x b tir7 niu:r 7 x': ,: _ n )uu , sunC . ,k C, , u...,,_ ;.r d:. n~t:i Ih i -~ y, •-ttU ):u Nk'sr. T.. -h:k .^•-r,Y.l-. teC:v' Cade treat [o your APN(sl How do we alalau your APPAs)7 mtlex+margt (Freviousy disclosed to you! When your APa(s) wii d+a q P :': N:c . IDe'::t ]:, ,I thz c. 63 pe(u:]s met t :,'Nrm L'E'N r, 3n. jl e7in!un, A; lulr, nr7>C F I dillECy' 'nm6tN e:bl Are there Anam.,~.l ws assadatetl wrth r,y a®ud? v:= ,n7 tf I u:, s . , .o n-,y L- -.. s:- ~, ~a r=7 :rx l::. .: t , _ ..r. I: `t 0 ': n T_7 t) tus..4 : _rc- tht rdtt t~ nn ' I--+ei;h .. Vr .,.r~:.:.-. a,h.,w .,:rr, 3h... ,:.. . '.'n l.... !'u~r. How unlAvoid Memhershin Fe 7tl :: H L -' A:i~rt-7 ~: m. :r:n[.,: L7 t,t,.r':t ,; :^iJ I.}'., u„ul iF l:.:: ty x,[r3,i;r .,,-th,r 4_7u,e ul.:rd:l,:t 7u, is U:tllry x - I sd t ..-re .: _..t me• :.. I .. ~: ..; pyin3 - r rdhy -rent: rvnq k-, r.t .,.Lr e .:n}*,v -- ., ,h., o I }~.,. •:'._ ~, C ,rrJ s.. +a ~'.~y ,.• r .t xCdy rr -n t- vac !. - How anlr6.. Tm_t•: , ,r,a.,-t :v'..r~-:.m~. ..lo:: y.,,. --_ •nca: d-Iln-.. ,, 'ILq u.]t.; I 'F nit ,..7nra toy a-: Faq t,c. rd.,n ,c:, ,n7 mi Dines. r1... -.ed,~t .:7t r 3- , ,.,,.,!Lr,au;:xu' '.I'::1.ar.-:k...,;~W ,-...;.t uF-:n. What happens imy a„• ~•S; .~,!.m rig m~r:l:,e ~ =ur.rd )-,w i:-:x,nt '~m7 y,ul ri3ht t:, ~tt_~in :rx]It t tL ]r ..~ dyuu Fut. a-::,u. em :•~r- ;-c ,u t c I ] r „ti :::7 t n 'UF , i 3 ,_u: - s d a: xx.C .! suel ' 11 u,a as-. 4, rt. ill=t, -.:]i[:x7 7 .I•.-:k J4, buy all-. nay:. .,+,: :nBmeT,:'y:.u, ,re:..._ gut+:,.~I„_,,,:;,t„:7e7- Flow do I Mahe PavrterusT nt ~n } ~ , tl'-. ir. un F } t, mr b46 u F -i7 C ,:..., , ~ u!:nf i.. : hn'~:!';a'. : yh f: ~),l. ,nr3. ~':. 3»? x.7 ~.ull S; +;i.;-- F:'.4'h-r. t., •';ku F4,r ,s,t -Ham ',.h u'., r:' (,. :..-,-en,y, >fi.. r. <.. 'u: .. f,I+ma:•.. .I'.ur`. (.. }. '.M1 m~•t n." : -t~:... h';;: ,,'. .,. :.-. n4 i:r=,}e rt.7 as -. nun ..o.. rt a= x•.m..,,re p,y,..e 4 <'.t ~. tyr ,I 1,:,].:-s-i..~~.-,Fnj,~i _+;...i uu •1 t:,T r:., .n Im ,_: -.r. Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ........................................................................................... 0 Alternate Phone ........................................................................................... E-mail . (:~ Address ......................._............................._...................... ............ Please print address or phone number changes above using blue or black ink. Whenwil you Uedit AN Pntrert? ~F~ A-am fn :-;im '7, [-Iy •n)-' -- [) Fa . r sl:, {.-„tr. t . , .,1 the iuln. 7,l `. . y :- 11 w n] m:. t!ttr F'ud.x, ~t Unl •r 2:rer.'-^7 {o:xd sl m:. rr ;dr-r ~x..e.r .h..'.,'o ]2; pn F,, .:,. Ye:mxr :a.+ F :: •re:. e, ,. :, nn sl , +, atl , y7 t :: .,y-I>t r-nl ..dv-ty vA ee7,,yt-ne wi[,mar ry m- tixr; ~n ,;th. r r .[t. .le7rt-1'-~ m-},•;4 r .,n irrn. Do you Process Paper CTedo as an Fk¢mnic Funds Transtelt ^,yr d sap t' .: _...... a ::a n. ; +;~,}`-. :4m, •y`.,t:.+i]-, -.k ur Y:-:.ke.tu l-.r:rt. '.k. F,p.':C.~.. ~M-,re. ,.x _.u.j..r•:u:. do- :I er-,n:n•irt ,netAr, a.NUnr -..• :, :,U:'~ I. . uuc ;,.r7 o- '-~Crr r., :t'.-_.-.na t4'-r..,~. ,. ,,.-m: ud.xn 1 .. •m c, -t :~u h k ,n.,.. n. 1NIaA i l Ail for ~gy(y(? 11 r,: , -.Itid-:] t: ~i rtiuF, r lr',I ' C' n. C :' un ao.x, r t,r .rd:un'~ U'.I~ ~Iq'..:nx ur ;C OS.r . ._C-, . ,: _,;.~IU7_:,:,r_,:i,:n, u-{. r, r.'~:.3t.,ut T..akrcy w?;n x tn1u.,Ft; a; the Eunk:,L~ ; ~., rC 7;~ r'ua:`rn-•p 17 't t xd'r t.rn t,nCU{'Cy :lain., -- ~r x.-.dy Fi., nr„ .:.u)R_-. - - r : ,. 3.. uh.uCr :rt,. 4 ..', BILLl16 PIGF{TS SUMMARY;DU~: rw Aeyi,, ,u S~ tx Asnr: ~u; WAat To Do It Y Thick You Ftd A Misteix lh Your 5trtement I' yv mr [ m- - r= n• -:"v n , I ".~+Eu ' - h~, wen-r jw„m-f,l!n~.tr rr rru7 air :r crxr .. +.i.n ] e+p• Vin: L5r Jf A.;th If -uu tNnk m ,r ,; :, ., . II, J.-'rit- ^r-x }uu ..-ter ; ,n n rr o c+u: +.m: ,,.7u)s ut, m- r. -,I:F:._7 ~. ,, n :r,t i rlx. `r +[r::Jy .s d ry{.z:, t;ule ni''+-,;e":. r ru, -:,+I ,: :, r3 ,.--.e;n..,Ay. tutA )-w ].~vr tz :rn rey,az7 o in^- ~r :e ~n„~n+r!d'a ar:u: 'u:d 7:'u n ,; hu:-- r, ruT me ur .,ant kr :ry•-i:nt t4'+ cdll :uliig yuu :4 I +... n..:3i3ut .•ec :r ... rut, . F,: _~:. ~ , .. . •h. •: A:,vF 3'u,. ov=: .t4':-,:n ,tn,T[-; ,II--.L'h-. ,r :.:nf .ry :L-., .:. r~-:. ,;. ,-::--I'.i{u t'. ,m,t,rt :,u rr_ ~rh: hx~: iu 3uct t-t.r ., ,h. r. ::n thst ~rv~-aunt. ECA .]tn:. C.t+, r .., rk.. )-., adr h uJCr-t.xr t:{u. .,., ;r xY~'t. .. u~:4n-r .... rvF,e7r m~x ,r: ,u.._ »r•4~ . ]. ~ h,_. , F,; n, ., t ,t. ... 7 t , r ~ri:.e ,..~. d :a:~:~ _ ,1 ,,r a~,e~r4Y„r.. -F..r: n: l:rm rl,d:..a;,~~,r, r:... !+. '. n. '--_.Idy'en7 n,. ~~:! rv'u,tu'y i rt y.,u: re]f l'::r~,r. !4W'r. v.. '.-ap:d :.:.. {.u >mIR '.-+JF =n1 _o,s.~...~..:µJmrv3:'3 m-t+,. -.;,r.e::•.]m: .rn ,.,'s7~n , ,a,r: •~rp, m~ , .,~.. e...el r. ne til-:..~..- your Idghts If You A,e l>;ssatisfied With Yaur [redh Card PuN,ase 1 y u - ~i=-A•i--]..im m- a-~ .~ n :.: mxpun ,r-.hu:e]wMl) :.dt.,r].-~7 y:n o-.+: u37 ,:n ,im r,- -am: F,,n=rr +:nh m I.-...t u R ,.u 7'::.. me ; i3h, A r, {:',} m- ~ ' 1 _~:r,iux 7:. , d! F:u::Ye , ,:. m = ri3h:_ m- t su u..h-r..: :--7T.:~ t m-1 u:.hr~ n h,-esin7e+.mr-.u:hilr,~r- 1uo,natM.n,;;m: ., r. !'uAn:%}'-:h-,r:IUAy.i]In rtc: Fu•:.h;?. d f'I"! _.mli•,t 'r. s"-t':~I:], r ]r•.r t- m-ne Fm4 s,:u:ei ,rsyi-,c .: Fd- ] ?vh i:k: :ily, uT ;.4s i~-:2 t4sul :,3 t m .n 'F.F t. me J F ] -a ~'.. ] - ~ ~r ,.. en ,nr ~. ,e rA '.) .,r Jr. •.. atm-,: iiM1t tli ;. , .•u~rt ~xr],uu Lr¢,u :.I, tT~ii:'yu-u. C Fp_ .x- v.:r ~s,rrr,u:; ;.rh .,F;.:. ~:. ~-° u.k4?.. +a : F,..-r:.:~t _<~'1 ;;. "I ,xr F , Jre ~•.., ] , , i .. .r_K•V~ h r... rs~7. r-. :. 11:1;1+. 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.tapitalone.tom _-. ~., Page 2 of 2 ~ Castnmer Service 1-800-903-3637 i Dec 20 -Jar. 19, 2012 l 31 Days in BiAirg Cyde 9~E ' it b ~ - ---- www.cap a ne.com ---- ----------- -- Credit limit: 53,50G.CC j Platinum Mastertartl XXXX-X7CXX-XXm(-1725 ! ~ Availa6leCredC S's_9A I NEW BALANCE ..iw c?u~'. 5 9~';i?~i ii?i::;~:°.. ` i Cash Advanm Credit timiC St,50G.CC ' i $3,484.06 ~ ~'^...... .. ~: 3:~, ..t:i I Available Credit for Cash Advan[es: S? 5.94 ~ i Fees and Interest Charged 563.65 f TRANSACTIONS CONTINUED ~' 'you ~.eete assessed a parr due he because your minimum pz}~men['eas not re:er:ed by the due date. io awid this `ee n the future, ~.xe re:anmend that ; ou allnr~ at least 7 busmen da;s !or yoar minimum Ira;men[ b rea;h ~:apilal lk~e sDO7J1,1 You have new payment opportunities available. See the next page for more information. Ca - ~' ~ ---- ~ I ~~, Page 1 of 2 1 i Biti C d i ' Customer Service 1-1100-25&4319 Days n ng y e Jan. 20 - Feb. T9, 2012 3 www.capitalone.com/solutions ~----- ---~ ' i IMPORTANT ACCOUNT UPDATES Platinum MasterCard 5178-0576-5810.1725 Your full ha4rire is due. Any payrrern yar make wiz reduce }nur balance and he1N pay ofF ~ NEW BALANCE PAYMENT DVE DUE DATE your debt Tasoer. The armunt you osse nay diMer A yauve entered into a separate payrtrerx agreement. $3,568.87 $3,568.87 PAST DUE ' ~ Available Credit: SG 00 I i i j Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance . __ 53,464.06 j - so.oo j + s64.61 _ ; + I so.oo ! = s3,s66.67 !' _, , , ~_ RANSACTIONS ~' ~ PAYMENTS, CREDITS 8. ADJUSTMENTS FDR IOSMUA W HELM #1725 i FEES 1 ? 6 FER PAST DUE PEE 535.00 Total Fees This Perked S35.OG INTEREST CHARGED WTEREST CHARGE P!;RCHASES 522.4? iNT[RSi CHARGP.CASHADVANCES 527.4C j intallnle~estThisPednd 549.8? j TOTALSYEARTO DATE ~I Tutal Fees This'/ear S?0.00 i '~~ Total Interest This Year 598,46 i I I Help is Available. lust pick up the phone. Call 1-800-Z58-9319 and a spedally trained agent will be happy to help you chedcyour balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the arurual interest rate on your accoum. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate tAPR1 Interest Rate Pur:frxses 11.9LrY P 52,217.20 522.4 CashAdcarres 24.9056P 51,295.3fi 527.40 P, I, U,F -Variable Pate. See reveae of page 1 fur details PLEASE RETURN PORTION BEI_CriN WITH PAYMENT OR LOG ON TO W WW.CAPITALONECOM(SOLUTIONS TO MAKE YDl1R PAYA9ENT ONLINE. 1 5178057658101725 14 3568870100003568877 `~i~ Account Number: 5178-0576-5810-1725 Due Date New Balance Amount Endosed ~ --------------1 ;-----------------~ ~ Past Due ~ $3,568.87 ~ j~ 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. 400004 JOSHUA W HELM 3 E MAIN ST APT 3 NEWBURG, PA 17240-8106 II'll'I'I'9llll'I'llll"IIIIIIII~II'llll'Illll"lll'Illll'Illlll Capital One Bank (USA), N~A. P~0~ Box 71083 Charlotte, NC 28272-1D83 nlllll~lll°nlll~Irhlllllrrlluh~rll~l~lllrllrrllll Illl~lnl Flnase make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How an 1 AYrdtl Paine Irrterest Chames7 E,:h n' .nth ,JU y;y •:,ul •Nas. E,i`nl:=.• nr tu!I, y'JU rill t':`nx '~, j::~ J],1 ,J .,s:~a~ .L.; :•_t 1_.I ,~. flt '.ha-^, ~?t,al.. C--. ~: r': `I .;. , ,h-,-: ,r741 J1h ,~_~. ~.Is ,.. h. •'I-!)r ~,~ i1t.d, aid, :.rd-.:3. :IJ-'r.l;.. ;n],.u xF,,,',,r-a[dlrtnl,yrnt.r,..r,:n„ alt ;->::.]r:.:;n,;r. F.-..'J•J.'.:sh ],-.:-. ,. , L. :1-;:.. n.,. +.n. ,.. x: +.h" .... r Fi]:vn nJ "a Fr.,J -..;~,. Horv is dle IMertsi Tame appliedr I n '.:.'h .h: '! ]u[ J• t~. o, r,:dx4 :1 .t,t, lh< : J u, ', . .. r=L J. :-.:J. iHiet.-. is L; J']S .Nry ..:.r J... IrM t1:. ;e: '_._r. n.r.ry:n r,'i J•r. un; ,nd -I]In al ?I` r hna _.. "B •JU F.u, th:. erdr - ~•IdI ..n ... ~t iJ ., d5 y:.. .. ,m. Jrµ; 1',n,r h, ;. ;'.1U th-::ruF in .nt Jf ,J n•t. :_, r Dn you assess a YinmsUm frdertst Chame7 Ye•-+. ' t , r h?EF,6r ..'.L.sC :t a.'... a:ll t. r-".,e- J'x ea:h Ib tlrd you C Idatr tb Ime est Chame. S4 c-mJ] II-. ~r-. ~._- [ rly E-i - 'n: lu~.; nr+. :fy z,.., r]--mi- r N ],+'. 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J .,~ : .:.1.-.. ~ ~ , ] ..~} ~ t f [ ' . rite-: k:. vn must :unP,:.t u r;nlin i:- ~.,yp afc r T= <u~! -,{:F",::] an ,JUr st',clr-nt. 5.v ; : t rJ:Ns „ Jt n;y Fx--n¢ 1 zrv,y Y.,, r'„ ,-.I. r dy , 1. _u.,.:i:.~,XT tut A y.a.'.''s:'~ ~r; n,t r: Tun-.o n. n,,t. ,nyF xermd- r..7 r, , h-,.u.~;ym -. _. ru'n. {u.•mn-.... gill. JtA; •, .u a~inr asttwr >J ;-:-it t 'x 1-tt -,a1y 1. -: s:..[aut h: tti.-. :.rnt ih hr .:.:r , ,.h'. t: I,JS,-n; , N'>• _1U11!t 4T U ..Je_I d.~ `nr'JU!If In:dUt"dull, J! r•y:J't ~Jr, •r• 7.1. I.IU%Id ~n L'~~.;!'~nr...nL p•. hn;. r TUB:t'~. j - ~1n x~~xY VrT•'I 1x, 1" }:Jr!ti .t' .<TJ'J ~•Ih'~L Ur;'J'JI:t _ X r r. G [., r.t Jn'tak_ ,JU S,P 1:, ~ v c,, th.: .. :(,._.! } t 1=str Jth=1 -~r thi n.uu t +• hnl. ,J. ~J .n ~ ,. t, ~a) n;= J.: x ir. ~.-s J n ,.:=r:] , r.,... ~. 3 ~, xr - ~ ~:n .c-:ti~~,tim. }~u e.= `rsruntiL•1= lur Ch- renua47er :d y!w tlan-.e. ;; th4 :n'~ yfFly Im': uy:`.i] •T':rnx"]ir t );ur'r=y, Inrit 14!'Y!'. ;: ,i . -:•yt ~~}Jw XR - •ul. :....] J 51,: n:;-;n C .. __;~.E;.- . n,, ¢F.'; , rr>7 u_r--.,LJ dr- ,-n.. s. I'~rs me t'~1~~_.~r-:t Your Nights If You Art Dissafhta!d With Ycur Uetlh GA Purthases. ; -i7sl,... si[!: the ;J,i: x -.ss--s V7at tix: h, :w..Y ~c77 s'.•th T.u '79..,1],li,J. h,, o.-] ,J.7 :7 d.. I: .d`. F:..-us~„th th .I ,nC fJU r " 1 h- ~ N- rigs[ n x U {-n• ttr r- ; ~urx J. 3 ~ Fur.hy'.. '. dh ; I~hC Ih= ruthn..'...}ur r.-]. .,., tx L~-Fu'-h-,.> Cvr n'+]t ath ..h ~9w,r1:.-: t:.r,~Atis9 :,, s'.Th : !h kN t,::::::s y.u .r-3..v] r-- ,mt awlAy; ,n] -. .r rx, •r' ,>t oJr ;:: n>t., r, py y .i] ds dl.. c ,r n,>-- ilP- 3-.ri[.u ~,t ,. Y. :tmd J n. 0 9:s:i l'_silh r^.r Frt:r .,:t , ',:, ,:,;e,,:::,t :. ~hY,,l ?.: ^. J. Ei 44M1 .. ;'t t1:. --Ip z~, I .]..- i _. t. aJ'• --h -.u; ~E;_tl".. .e4t y .,,.]-i' .ad.,tFtr.4t...m.rc,Jr,: r,r..,aur] .iJr.,t,~,,an,}. eFJa,_ a :,. a ir,:IJ:r:L [--.k...7:sur.p.u'IJIJ,tJry, e, Sr J_.nJr-::-: :. Y,'.: ,:a .,, .,, c_:.:-; ~.':I.aHi[I ~n>.-'EN ..t.:+I .. ,I, ..;;=.s-]'.nt.. .r.rk'ill ~t.:r::.r,.... Ei~ 1:; 11~<:: 11 To change or update your address please call 1-800-258-9319 or visit www.eapitalone.com/solutions 200485 You have new payment opportunities available. Your account works differently now that it's 7 payments behind and has charged off. Dear Valued Client, You need to know about important changes to your account now that it has charged off. You are still responsible for paying the full balance on your account. If we continue to send you statements, you will receive them quarterly instead of monthly. We may continue to report the status of your account to the credit bureaus, unless prohibited bylaw. We will also report when your account is paid off. Help is available. The changes to your account include new payment opportunities that may not have been available before. Please review these important changes: 1) Your account is charged off. This is a change in status from past due. You are still responsible for paying your full balance. Z) You won't be charged past due, over limit, or membership fees. 3) You have new payment opportunities available to you now. For instance, we may be able to break your balance up into more manageable payments. Please contact us today at 1-800-258-9319 to find out more about these new opportunities. If a third-party agency is servicing your account, your call will be automatically routed to them. Remember, you can check your balance and make payments any time at www.capitalone.com/solutions. Sincerely, Your Solutions Team Help is available. Call 1-800-258-9319 today for more opportunities. Visit vvww.capitalone.com(solutions to make a payment or check your balance. D1 (~ Take control of your finances today! Call 1-800-258-9319 toget up-to-date information about your account and make payments. It's not too late. Call now to get started. your aaount is being serviced by Capital One Services, LAC 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. NOT!CE: PLEASE SEE REVERSE GDE FOR IMPORTANT IN=ORMAfION ~~j~/"" "'- Page 7 of 1 , - ------------- ~ Customer Service 1-80425!-9379 Feh. 20 - May. t B, 2012 www.capitalone.comisolutions ~------------------ MASTERCARD PLATINUM st7s-os76-sate-t725 IMPORTANT ACCOUNT UPDATES NEW BALANCE PAYMENT DUE DUE DATE Vour full balar~~is due. Arty paymerrt you mice vrip reduce your balance and help pay dt your debt Fester. lbe arnoum yu~ os+e Trey dAFer d yo,i ve entered into a sepaare paynent agreenere. §3,568.87 §3,568.87 Past Due Available Credit: SD.00 Previous Balance Payments and Credits Fees Interest Charged New Balance 53,568.87 ~ - ~ 50.00 ~ + ~ 50.00 ~ '+ 50.00 ~ ° ~ 53,566.87 TRANSACTIONS ~ PAYMENTS, CREDITS & ADIUSTMENiS FOR JOSHUA w HELM #1725 FEES INTEREST CHARGED TOTALS YEAR TO DATE ?o[al Fees this Period SO.GO Total Interest ibis Period SO.GO Total Feet rhi~, real S,O.CO ?o[al Interest This Year S98.c6 Help is Available. Just pick up the phone. Call 1.800-258.9319 and a specially trained ayes! v~ill be happy tD help you check your balance and make payments. I LIT[D[~T fllAD!'[ fAl rill ATIf~Lr Your Annual Percentage Rafe (APR) is the annual interest rate nn yom acmurd. Type of Balanre Annual Percentage Balance Sufryect Interest Charge Rate rpPR) to klterest Rate Nun~lnterestBearing I O.GGG96 53,568.87 I SC.OC PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO UUNNI.CAPITAL0NE.C0MJS0LUTI0NS TO MAKE YOUR PAYMENT ONLINE 1 5178057658101725 18 3568870000003568878 8"ep Account Number: 5178-0576-5810-1725 Due Uafe New Balance Atnrnxlt Endosed ~ ~ ~, (( Past Due ; l §3,565.87 ---- --~i ~--- JOSHUA W HELR 3 E t1AIN ST APT 3 NEWBURG, PA 17240-8106 Manage your account online. Ysit www.capitalone.comisolutions to manage your account online. Have information at your fingertips 24/? without picking up the phone. Capital One Bank CUSA), N-A. P~D~ BOX 71063 CHARLOTTE, NC 26272-1083 ,IIIII,I„roll,nnlllnlu~l,I,l,lllll.,,lll,l,l„Il,u,u,ul Please make Breda payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 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Ntv: !Irk :Jty x H; m',.a ,4. ,. xd }.,u A:.,unt un~l . , 7.tt .,w,•7 {. r n I, x ~ I,n 1}; h:n:.eh:;l7 x sh•! .. =r FxF '.;sl.n it y,, itt-,t~r.rtrt-r'.~rt Ir•,![le ,u •:;!V,e ]et[,,: sl:].S This is an aRerrp to collect a lmrrsurred deft baind. Arsy irinmsTrion obtained w61 be used forthat purpose. r.el:yb,, y i '::-] tT:r,.-, .n .., A-:., rnrr.- r.: , iat:,..:7.: r ,,1). In L:.!s,r,,, ,, y. R,:en-_ .. ::.,,:wr .. F:-::r-n~.y ~r ,. m'.,¢: nl.,:-:: fin wi,-,a:n,i; , ].tt':Ir;r;r. a-1dl„ ..~. ~..:4 ~tf,nr-.I.n I, r.•.m- ...,,x. M .r..•,L:: This rnlledinn agency is icenud pT the Minnnota DeFarhreM o<[ormatu.. m nli, 3 '._ 4 tyr' ,, I rnr I iL.-,:..]'.-,r1,.,-,a,h,r;y. P'-en:IJ N -:n<m F ... s,a 7; ':¢.:1~ M.a.hs-r: NOTICE OF IMPOIIIAN7 ItlGFTfS: YOU HAVE THE Nfi1T TO MAIG A WRITTEN OR URAL PEQUE51 THAT TEIFPHONE GLLS REWPDINGYDUI DEBT N07 RE MADE TO Ybll Ai YDUt PUCE Of EMPIOYMEM. ANYSU71 pUL REALEST WILL BE YAHD PDR ONLY TEN DAYS IMLESS YOU PROVIDE W WTTEN CUNflRMAT10N OF THE REQIESr PORMAAIED OR DELIVERED WITHIN SEVEN DAYS OF SIKH REQUEST. YOU MAYTERMINATE THIS RE(AIEST BY WN71NG TU THE L'REDITOR Pn.:. L .. Im'. ~Ix hd} .# h h: r S m- I - : l F .: 1- t r ... I , r.t L., , ,;rc d.F , m: f,i C b~.,E::n.--, ~ -A-.~,al. r,. a ,, .... U,'-.:x.-, Ttu.-,L.. brwi.. +.7e nl'.c•. :,FV.I ^r :ul, .~rd.,•nr : Fri: ., ,:eC4-.. ..-.y.:: :,n:. ..!: _....E,La,.~r. -,FT, s , J-..ellyr 3 rr.] <n,._ .k all `.ht; e,=lv d. 4: e:;c To cf~anc~e or update your address please call 1-800-258-9319 or visit www.~pitalone.comJsolutions EXHIBIT B Capital One® Customer Agreement 1Nelcome 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 #erms you see in italics appear in the Glossary Section. 7o make the Agreement easy to understand, we will also use the following persona[ 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) any Privacy Notices describing our limitations on sharing information about you with others; (5) your Card benefits brochure which describes benefits provided by the Payment Card Network for your Card and Account. The most current version of your Card benefits brochure will replace all prior versions; (6} the "Security" Agreement if you have a secured Card; (7} all disclosures and materials provided to you before or when you opened yourAccount, 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 wilt be provided when we make you the offer. If you accept the offer, your previously disclosed terms will still apply except as modified by the offer. Account Information. We need information about you to manage yourAccount. The information we need includes: (1) your legal name; (7) 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 lagging 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 Accourn if your information cannot be verified or if you do not provide additional information as requested. Credit Limits. When you open yourAccount, you wilt 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 {units. 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 stilt 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 yourAccount 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 wilt 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 yourAccount 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 yourAccount. 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 yourAccount. We will not be responsible or liable if this happens. Rewards. Your Account might provide you with the opportuni#y to earn rewards. if it does, we will separately provide you with all information and terms about your rewards. We wilt include on your Statements all rewards you have earned. It might take up to two Billing Cycles for your earned rewards to appear on yourStatement. 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 anyAccess 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 syystem 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 "Silting 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 l4 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 P1N. 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 da 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 Authonzed User to manage your Account. This will be the same information you provided about yourself as described in the Account In#ormation Section. We may limit an Authorized User's ability to initiate certain transactions. If vve do, we will tell you about these limitations before adding any new Authorized User on your Account. Once we add an Authorized User to yourAccount, 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. Dunng 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 theAccount upon request. We may close your existing Account and/or issue a new Card with a newAccount number. Your Promise to Pay. Yau 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 permEt 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.a0, 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 importantAccount 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: (]}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 Chargges and Fees. We will charge7nterest Charges and Fees to your Account as disclosed to you in your Statements and other Truth in Lending Disclosures. In general, Interest Charges begiri to accrue from the day a transaction occurs. However, we wrll not charge you interest on any new balances posted to the purchase Segment of yourArcount 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. • Membershi~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 PaXment 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. • Coovina Fee. We may charge you aper--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 wi[I 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 r_onversion Fees. No Warranties. Except as otherwise provided in the "Billing Rights Summary" part of your Statements, we are not responsible for any claim you might have regarding the purchases of goods or services made with your Card. Merchant Refunds. if you are entitled to a refund for goods or services purchased with your Card, you will accept these refunds as credits to the purchase Segment of your Account. We do not control when a merchant sends us your refund. We will also have a reasonable amount of time after we receive your refund to process it. Minimum Payment. Your Statement will provide instructions for making payments, including the amounts due and the due date for receiving your payment. if applicable, your Statement will also include a minimum payment amount. To avoid a late payment Fee, you must pay us at least this minimum payment amount by the due date provided in the Statement. If you have agreed to rncur Fees for going over your credit limit, be aware that paying only the minimum payment amount might not be enough to avord an overlimit Fee. In addition to the minimum payment, you may pay all or part of the total balances on your Account. However, you must still pay at least the minimum payment amount each month, even if you paid greater than the minimum on the previous Statement. We will continue to charge Interest Charges during Billing Cycles when you carry a balance regardless of whether your Statement includes a minimum payment that is due. If }your Account is 180 days past due, part of a bankruptcy proceeding or otherwise charges off, the entire balance is immediately due and payable. Making Payments. Your payments must be in U.S. dollars from a U.S deposit account and otherwise be acceptable to us. We do not accept cash payments through the mail. You may not make payments with funds from you r Account or any other credit account with us or any other company within the Capital One organization. Malted Payments. You must mail payments to us at the address provided on your Statement or as otherwise instructed by us or our agents. We will credit it to your Account on the day we receive it, if: (1}you send the payment coupon included with your Statement in the same envelope with your payment; (2) you include your Account number on your payment; and (3) your payment arrives at the address indicated on the payment coupon in our processing center by the time indicated on your Statement. If your due date occurs on a day on which we do not receive payments, any payment received the next day which conforms to the above requirements will not be treated as late. Please allow at least 7 days for postal delivery. Unless we or our agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any other form might not be credited for up to 5 days. This might cause you to be charged late payment Fees and additional Interest Charges. Faster Payment Services. We may make services available that allow you #o make faster payments through a customer service representative using a telephone, the Internet or other payment system. We will describe the terms for using these services before you use them. You do not have to use these other payment services, and we may charge you a fee for using them. If we do, we will tell you the amount of the Fee at the time you request the service. We are not responsible if a payment made using our pa ment services is rejected or not paid. Even if it is, we may still keep the fee. If you give yourAcrount number or other Account information to someone else to make a payment for you, we may provide Account information to them and process their payment as if you made it. We may refuse to accept any payment made by someone else for your Account. ff we accept a payment made by someone else for your Account, you will be responsible for the payment made even i# 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 pa ment has cleared. We may resubmit and electronically collect returned payments. We may also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle similar issues. When you provide an Item as payment, you authorize us either to use information from your Item to make a one time electronic fund transfer from your deposit account or to process the payment as an Item. We will provide additional information about this process on your Statement or other documents we send you before your payment. You may contact us and ask that we not process.your future Items in this way. When you provide an Item as payment, it might also be converted into an electronic image and collected and returned electronically. These electronic images may also be converted to substitute checks. We will not be responsible if an Item you provide has physical features that when imaged result in it not being processed as you intended. How We Apply Your Payments. We apply your minimum payments to lower Annual Percentage Rate balances before higher ones. We apply any portion of your payment, in excess of your minimum payment, to higher Annual Percentage Rate balances before lower ones. Items with Restrictive Words, Conditions or Instructions. All Items that have restrictive words, conditions, limitations or special instructions added (including Items marked with the words "Paid in Full" or similar language) and all accompanying communications must be mailed to and received at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. If you make your payment or send any accompanying communications to any other address, we may accept and process the payment without losing any of our rights. Credit Balances. We may reject and return to you any payment that creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that your payment has cleared. We may reduce the amount of any credit balance by any new amounts billed to your Account. You may contact us as provided on your Statement and request a refund of any available credit balance. If you contact us in writing, we will refund your credit balance within 7 Business days from our receipt of your written request. Account Default. We may consider you in default of your Agreement with us if: {1) you do not make any payment when it is due; (2) any payment ,you make is rejected, not paid or cannot be processed; (3) you exceed a credit limit; (4) a bankruptcy or other insolvency proceeding is filed by or against you; {5} you die or are legally declared incompetent or incapacitated; (6) we determine that you made a false, incomplete or misleading statement an any of your Account documentation, or you otherwise tried to defraud us; (7) you do not comply with any term of this Agreement or any other agreement with us; or {8) you permanently reside outside the United States. For certain actions, including changing the rates and Fees on your Account, our options appear m ourorsginal offer materials when you opened your Account. Remember, paring 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 outstand'sng; andJor {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 (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/serviceond 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 ourse{ves 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 provde information about you and the Account to consumer (credit) reporting agencies and others as provided in our Privacy Notices. Information we provide might appear on your and the Authorize Users' credit reports. This could include negative information if you do not comply with the terms of this Agreement. We may obtain and use credit and income information about you from consumer (credit} reporting agencies and others as the law allows. Closing or Suspending Your Account. You may ask us to close your Account by calling or writing us as described on your Statement. Your Statement will provide additional information about this process, and we may also separately provide you with additional details after your request. This might include payment information. If you use your Card or charges post to your Account after you ask us to close it, we may keep it open or reopen it. We may close or suspend your Account and your right to obtain credit from us. We may do this at any time and for any reason, permitted by law, even if you are not in default. A suspension of your Account might be permanent or temporary. If your Account is closed or suspended for any reason, 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 pa us all amounts you owe on the Account, even if they are charged after your Account is closed or suspended. Lost or Stolen Card. You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your Card is lost or stolen or if someone else might be using it without your permission, you must tell us at once. You may tell us by calling the telephone number on the back of your Card or on your Statement or by writing us at the address on your Statement. You will not be responsible for charges made to your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made using your Card, you will help us investigate, pursue and get reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are acceptable to us. Changes to Your Agreement. At any time, we may add, delete or change any term of this Agreement unless the law prohibits us from doing so. We will give ou notice of any changes as required by law. If we do notify you of changes, we will send you a separate notice or inform you on your Statement. We may send this notice to you electronically as permitted by law. Our notice will tell you when and how the changes will take effect and describe any rights you have in connection with the changes. Your variable Annual Percentage Rates (if applicable) can go up or down as the index #or 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 any time. We may change any other terms of your Account at any time. The Law that Applies to Your A~reement. 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 (imitations period for all provisions and purposes under this Agreement (including the right to collect debt) will be the longer period provided by Virginia or the jurisdiction where you live. If any part of this Agreement is found to be unenforceable, the remaining parts will remain in effect. Waiver. We will not lase 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 any way 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 requred. We will often specify a Billing Cyde 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 Capita! 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, inducting anyAccount number and any Access Check. •"Cash Advance" means using the Card to obtain loans in cash or things we consider cash equivalents. Cash equivalents include wire transfers, travelers` checks, money orders, foreign currency, lottery tickets, gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account and not to your purchase Segment. •"Fees" means charges imposed on yourAccountthat 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 Landing Disclosures" means any Account information we provide to you that is required by the federal Truth in Lending Ad and Regulation Z. These include your application and solicitation disclosures, Account opening disclosures, subsequent disclosures, Statements and change in terms notices. ~c~~1~~' ~: ~~10? ~p;tal C]ra Capt[71 ~~ is a c_'v..erally rregist3r~ Seth a mark A!I r~ghrs re~r,+cc. RVb00157 M-49488 QR t 5589? CGr +'••smr.~ dgrxrnvr a~ L'~[~ ' '' ,~ - ,J J 6 PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST t3E FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA couNTY of CUMBERLAND ; ss AFFIDAVIT: I hereby (swear) (affirm) that I served ® a copy of the Notice of Appeal, Common Pleas No 12-6947-civil, upon the Magisterial District Judge designated therein on (date of service) , 11/19, 2012, ~ by personal service ®by (certified) (registered) mail, sender's receipt attached hereto, and upon the appellee, (name) JOSHUA W HELM , on 11/19, 2012, ~ by personal service ®by (certified) (registered) mail, sender's receipt attached hereto. (SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME T 19TH DAY OF Novembe 2012 Signatu of official before whom affid i as made i Title of official My commission expires on r ~ ~ ~ , 20 AOPC 312A - OS ~I'~; m F ~ nc~~ ~~ ,f q ~ nn ~' r ~ Il .e n.i rl t r p 't it , ~ ~ ~ ~ ~ .~ C`- N [~- .J7 r~ b d d n 0 Ln 0 ~ ~ I;.I~ ''I< 11 ,~'J'~ , o~ ~ ~ '~EI'~E}' m ( ~; . ~ I' ,~~ N C`- N .~ r~ CJ A O O 0 0 ~ i s . OSHt.1A 1~~~ HELM 0 149 NEW~IILLE RD a ~~ Ni?WBLiRCr P~ 17240 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. CIVIL ACTION Plaintiff : -, ~.. ~. 4 vs. ..~ ~ -:~ r -.~ r*~ c JOSHUA W HELM NO: 12-6947-civil f ~ . T ~ T4 r~= ~- T ~ C~ `~ Defendant : `~~ =`- -- r- ,;; CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on November 21, 2012 the below named District Justice received and signed for the certified mail containing the Plaintiff's Notice of Appeal of the District Justice Judgment. District Court 09-3-01 35 West Orange St. Shippensburg, PA 17257 Edwin A. Abrahamsen & Associates, P.C. Attorney Y.D. No.: 8628 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 ^ Complete items 1, 2, and 3. Also complete item 4 if Restricted Delivery is desired. ^ Print your name and address on the reverse so that we can return the card to you. ^ Attach this card to the back of the mailpiece, or on the front If space permits. 1. Article' ssed to: ~~~sg~~ DISTRICT couuT oy-~-o1 ;5 WEST ORANGE ST' SHIPPENSBURG PA 17257 A. Signatu~ X ~ _ ^ Agent _ .:..r _ _ ^_ Addressee B. Rec ' P ' ted Name) C. Rate gf~elivery D. Is delive~ ddress different from item 1~~ `~ Ps~ If YES, enter delivery address below '-7 ho 3~ Sepvice Type Certified Mail O Express Mail Registered ^ Retum Receipt for Merchandise ^ Insured MaN ~ C.O.D. _ 4. Restricted Delivery? (Extra Fee) ~ Yes 2. ArticleNurnber 708 ~5~0 001 67 r'7 2143 (1Fensfer from service labeq PS Form 3811, February 2004 Domestic Return Receipt to<?5ss-o2-M-teao IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. . CIVIL ACTION Plaintiff vs. JOSHUA W HELM NO: 12-6947-civil Defendant _ ~. ~. .> .~ ~`; ~.~ ~._ .~> c.a ~,~ _ o :: -~, -~ ~,:> ~, == ~ r> c,~ .. --~ CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on November 23, 2012 the below named Defendant received and signed for the certified mail containing the Plaintiff s Notice of Appeal of the District Justice Judgment and Complaint. JOSHUA W HELM 149 NEWVILLE RD NEWBURG PA 17240-9379 Edwin A. Abrahamsen & Associates, P.C. • ~ U~ ~ ich el F. atchford, Attorney I.D. No.: 862 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 ^ Complete items 1, 2, and 3. Aiso complete item 4 if Restricted Delivery is desired. ^ Print your name and address on the reverse so that we can return the card to you. ^ Attach this cans to the back of the mailpiece, or on the front if space permits. 1. Article Addressed to: A. Sign ure l X ~,~ ~~,~~` ~i~. ^ Agent _ L ^ Addressee B. R ived by (Printed a e) C. D to of slivery . ~~, - ~~ e ~, z3~'~.-- D. Is delivery address different from item 1? ^ Yes If YES, enter delivery address below: ^ No UA~6~fb~ JUSht1A W HELM s,s~Icerype 149 NEW VIL:LE RD J~Q certified Maa ^ Express Mail NEWBURG PA 17240 `o ~s ^ Realm Receipt for Merchandise ^ Insured Mail ^ C.O.D. 4. Restricted Delivery? (Extra Fee) ^ Yes Miol~iJumber- 7008 05~~ 007, 6777 7,634 'ihrr~farfinm servloa iabe~ _ __ __ _ _ _ _ __- Form 3811, February 2004 Domestic Return Receipt X02595-o2-M-i