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Home My WebLink About12-7439COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS Judicial District, County Of NOTICE OF APPEAL FROM MAGISTERIAL DISTRICT JUDGEJ/UD(G,~MEN~T COMMON PLEAS No. I ~ '" ~`7 ~-1 l~lV 1 NOTICE OF APPEAL Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. ADDRE F APPEL CITY STAT ZIP CODE t ~ len v. ~ . z3oc~c~ DATE OF JUDGMENT I HE CASF~ OF (Plaintili) (Gelendant)' ~2'IZ 12. v ~ OC T No. GNATUR APPEL TOR TT NEY OR GENT This block will be signed ONLY when this notation is required under Pa. If appellant as lai a see Pa. .C. No. 1001(6) in action R.C. P. D.J. No. 10086. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial District Judge, A COMPLAINT MUST BE FILED operate as a SUPERSEDERS to the judgment for possession in this case. within twenty (20) days after filing the NOTICE f APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa. R.C.P.D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon idame of appellees) (Common Pleas No. Signature of appellant or aitomey or agent RULE: To , appellees) Name of 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. Date: . 20 Signature of Prothonotary or Deputy ~ ~ :E ad o ~ X30 ~~~~ YOU MUST INCLUDE A COPY OF THE AI~TRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. Q~ ~ ~ AOPC 312-05 n L ~I a ~ ~''r S 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. ~~~~ 5 COMMONWEALTH OF PENNSYLVANIA CbUNTY OF CUMBERLAND Mag. Dist. No: MDJ-09-3-03 MDJ Name: Honorable Susan K. Day Address: 229 Mill Street P.O. Box 167 Mount Holly Springs, PA 17065 Telephone: 717-486-7672 Michael F Ratchford, Esquire, Esq. C/O Edwin Abrahamsen & Associates, P.C. 120 N. Keyser Avenue Scranton, PA 18504 Disposition Summary Docket No Plaintiff Defendant MJ-09303-CV-0000206-2012 Capital One Bank (USA), N.A. Rohan Dookharan Capital One Bank (USA), N.A. v. Rohan Dookharan Docket No: MJ-09303-CV-0000206-2012 Case Filed: 7/26/2012 Disposition Disposition Date Judgment for Defendant 11/27/2012 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. Daf ~ ~~ . ~+.. a true and correct copy o t e recor o t e procee ings Date /~~",~-- Magisterial District Judge Susan K. Day Magisterial District Judge ire ors ~( f'n.,,y Lim ;~~ j' "''~~; ,. ~ ~`\%,~~, ~,~_~~ -- _ -...z... ._,_ ,.__._.._.. _. . MDJS 315 Page 1 of 2 Notice of Judgment/Transcript Civil Case Printed: 11/27/2012 2:13:39PM ~~ I ~ ~S ~i~-) ,~ Capital One Bank (USA), N.A. v. Rohan Dookharan Participant List Private(s) Michael F Ratchford, Esquire, Esq. C10 Edwin Abrahamsen & Associates, P.C. 120 N. Keyser Avenue Scranton, PA 18504 Plaintiff(s) Capital One Bank (USA), N.A. c/o Etfwin A. Abraharnsen & Associates, P.C. 120 N. Keyser Avenue Scranton, PA 18504 Defendant(s) Rohan Dookharan 51 Monarch Dr Carlisle, PA 17015 :~~ ,~.. Docket No.: MJ-09303-CV-0000206-2012 ... ~`'~ ,.... - . Page 2 of 2 Printed: 11/27/2012 2/:13:39PM J 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 Plaintiff ca ~}~, ~ ~ r~` " vs. 1.~ V 1 ~a_-,~3 a ~ ~ ~, NO: - Rohan Dookharan ° ~, "{'~ 59 Regency Woods N Carlisle PA 17015-9064 s c;~ ,,''~ ;.~''~. Defendant ',,,,~ cv ~ 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 HIlZE 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. 4851 Cox Road Glen Allen, VA 23060 vs. Rohan Dookharan 59 Regency Woods N Carlisle, PA 17015-9064 CIVIL ACTION Plaintiff NO: Defendant '~ K COMPLAINT Plaintiff, Capital One Bank (USA), N.A. , by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, Capital One Bank (USA), N.A. , (hereinafter "Plaintiff") is a corporation with a principal place of business located at 4851 Cox Road Glen Allen, VA 23060. 2. The Defendant Rohan Dookharan (hereinafter "Defendant") is an adult individual residing at 59 Regency Woods N Carlisle, PA 17015-9064. 3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase. 4. Defendant applied for and received a credit card issued by Capital One Bank (USA), N.A. with the account number ending in 7972. 5. Use of the Capital One Bank (LJSA), 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 cazd account number ending in 7972, 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 cazd.(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, Cazdmember Agreement attached hereto as Exhibit "B.") 9. The Defendant last made payment on September 3, 2009. 10. The total amount due and owing the Plaintiff including interest, is $4,222.80. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $4,222.80 plus costs of suit and any other relief as the Court deems just and appropriate. Edwin A`. Abrahamsen Michael F. Ratchford sc 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 aze true and correct to the best of my knowledge, knowing that any false statements aze punishable by law pursuant to 18 C.S.A. 4904. EXHIBIT A • Get the growth and convenience of saving money online • FDIC deposit insurance increased to $250,000 (through 1z/31/zo13) • COnVenlent 24f7 aCCOUnt aCCe55 {Routine or unscheduled maintenance may impact accessibility.) MEMBER ~C www.capitalonedirect.com snn,,, Previous Balarke P FlNANCI: ayments & Crests CHARGE Trar>saetierac New Balance Minimtm Payment Due Date $3,437.32 ~- $1 ~ + `` $40. 42 + $Q•ap ~ i $3,377.5fi ' ~ $74.00 j Oct. 12,, 2008 j Aug. 18, 2009 -Sep. 17, 2009 Page 1 of 1 .;. MasterCard Platinum Arxourti s17a•osrzseea.nrz Your Accourd Information TOTAL CREDIT LINE $3 500.Op TOTAL AVAILABLE CREDIT $122.44 CREDIT LINE FOR CASH $3•pOp.gp AVAILABLE CREDIT FOR CASH $172.44 PtFASE PAV AT LFAS? •11154M0UNT Pasmterds• Gredits 8 AdiuattnerEts 1 W SEP PAYMENT S!lp.0~ 1~ ~FinanCe Charges (Please see reverse fa impor;ard iNamation) Balarxxrate Periodic Carespondng FINANCE i applied ro rate hPR CtiARf3E rurchases 53.408.5! 0.03908Ys P 13.904's S40.24 i casr~ sooo oo6R2zgo 24so~ soooi ANNUAL PERCENTAf3E RATE applied this period: 13.80 % ~ 0 At Your SeMce • C o to mrer.~ ca_ m,_,;~abr~„~~an a; made ycur a~ounr, or Cat ? -800-8C3-3837 b repcvt a hsl a s9c~n card or srak b Cusloirer Refaticr:s ® Pay Onirre ar rBWt.caoaaArie a:. x m®Iwxr. payrrent b: Capital Ore Bank (USA), N.A • P.O. Box 71CB3 • Chart4fc-, E!C 262J2~1083 A SendingWriesto: Cay~l Orie• PA. BN: 3C285 • Salt Lake Oy, U' 84?30-0285 ® Hare a question about a charge on your statement? Please refer to the BiNrry Right Surrenary on the bade o' your star.;xnerR or visit ww,v osoital . condds 'ems PLEASE RETURN PORTION BELOW Wfnl PAYMF-NT OR LOG ON TO 44W W.CAPnAIDNE.COM TO MAIQ: YOUR PAYMENT ONLINE:. ~. 1 5178057288807972 77 3377560100000074002 Account Number: 5178-0572.8880-7972 Due Date New Balance Minimum Payment Amount Enclosed ~ Oct. 12, 2009 ~ ~ ~ ~ $3,377.56 ~ $74.00 ------ ~ ---- ~ -J ~~ PlFASE PAYAi LEAST THISANK)UNT #90261993SOSS29ei5# ROHAN DOOKHARAN 2 LILAC DR nECHANICSBURG, PA 17050-3169 IIIII'lllllr~~~~lllllll"I'll{1~~~~ GO GREEN. SAVE GREEN! -- Pay online and save money on stamps. Sign up at www.capitabne.com ~~ Capital One Bank CUSA), N~A~ P~O~ Box 71083 fharlotte. NC 28272-1063 nIIIIIVII~~nhi~4~IIIlIII,~lln4~~ll~l~lll~ll~rllllllllrlnl Please make dtedcs payable to Capital One Bank (USA), N.A. and mail with this mupon in the enclosed envelope. Why open a Direct Banking account? Because it's online, we offer higher rates than many traditional branch banks do on many accountr. What is Capital One® Direct Banking? Convenient and secure certificates of deposit, money market and higher-interest savings accounts. Since you are banking "directly" with us, we can often offer higher money market and savings account rates than traditional branch banks. How do I know my money is safe? Unlike some investment options, your Capital One Direct Banking account is federally insured by the FDIC. For more information about how FDIC insurance protects your savings, visit www.fdic.gov. www.capitalonedirect.com These products and services are offered by Capital One Bank (USA), N.A., and Capital One, NA., members FDIC ~? 2009 Capital One. All rights reserved. 1. How to AvdA a Flnange CRarya e.Cfaras Parlotl. VDU w6 t+flvs : rtenim:m grace pmkd d 25 days wMwt Hence cherya on new purchases, nrw bakrY:e trenafms, new speck) purcheaw end nav of+« disrges rYw pay qo«tael "New Balance', ti eCCDrdenco wph Me tnpodan Ndka for payrtens below, end M ttr,e fur p b is cradpaf L7 yD« te}mrent due rime. Th«e b ro grata pertrJ w cash advances and special tansbrs. h midNkn, (here is ro grace PorL',d on arty trarwadion N You do rv>t pay th9 total °New Belence." b. Accruing Finen~ Charge. Tranxadlons sNSCh are na sub}ad toe grace perod aro assessed pnm,cs charge'} tram the data ante tromedbr, a 2}tom the data Iha tromectlon h proceasetl to ywrAecoun «35 hom Ma Mt cabnd«day ache armait btlling period. Atldpbnepy NYw tlb nd pq the •New Belertco" inNn the pnMws blllk;g period in fut. Potence d,argas ca,pwelo sccrue to ywr w,pek tnknce unttl Ma urpnd balance is paid in full. Thtx means that yw may sli eve Hence charges, even N yw paY Iha Dolts Ner.~ Bekrwe bmwlat a; the irtnt a ywr sldenanl M'the peyrtren due Gate, but did na du so tar llss Ixwbus rtor;lh. Utpeld nuance chmgos ero added b Me applkeMe segment d ywr Acrwnt. c. AMlmum Flmras Charge. F« each btltlrg parbtl tlnl ywr eccteml Is subject to a Mm,ca cherpa, a Mnbum trial FrJANCE CHARGE d 5D:50 rAI De tnM.aetl. d. Temporsry Radretia, b Fbence Charges. Wa reset s the dgtt b nd easass arty or all Mm,ce cMrgas br arry gNen bHk,p perbtl. 2. Average Da/y Bder,ea Qnckrdt,g New Purdrezes). Fbance chmpe is cakuk~ by naNiplybg too daly Dmm+ca d each sagn,anl d ywr aecwn (e.g., :ash advance, WrMasa, sp~kl transbr, end sPeclel Purchases by Me ttlroaporWbg tlnM Derkstlk nte(xl Mm tau beer, pravlwsh tlhcbsed to yw. u Ms end d exh day durkg the bIIMg padoc:, re apply Mo dally Padodc rao /« asM segment of ywr eumun b Me deq haknce d eaM seyment Then at the and a tea dWng pedal, ere add up Iho resuNs d Mase daly cekuktlona t0 arrive el ywr perbdlc Oau,ce charge hrr oath Segued. W'e edU up the rasuNS ham oath segmm,l to uMa al Ma trial PeMdk tlnanca dwrge T« yo« accer:n. To get Ma daly balance for exn segment Mycur accord. wa take Me heginrYy beim;ca breach sagrront er~+ add any new tm,sadlws srl.+ wry pmbdic pnerta Marys cekrdstad on Iha pravkxs day's bakrce f«thal segrtreM Welhen sudrad any paymBlltx Of CrB~S PDSIeO as OTlhet dq that efB allocated to the segment. This gNes us Me sep,mge dopy Dmenca iM erx•h segrnanl W ywr ecewrd However, tl yw pale the Ntw Bmeroe shover. w ywr previous skternent b futl for r yo« new beknce was zero or a crotlN artwntl, new transaclbnx, which post b yro« lumhasa ur spade) purchase segnants Bra nd addatl b t,o daly beknces. We calwleta Ile average daNy balance by acMkg etl Iha dairy balmues krgeMer mid dhldbg the wen by the numD« a the tleys In tie curtertt hANtg cycle. To cskukla yourtdel nuance chartJe, muMptp ywr average ddty hakrce by Ma drab perbdk rate and by the punter d rigs b the bitling Period. Dre b mrridng on a dopy basis a rite b mMirtuni finance Merge:ssessn,ent. Ihero may In s radace Delneen INa cdcuktlon entl the erto,ad d Maraca charge aetuairy assessed. 3. Mraral Percerikaga Rats (APRj_ a. Tire tem,'Armual aaeenage Rate' ray eppe« as ",aPR" un the ImM antis stterta,l D. If Ina code P iO+erlarly Pdrrei L fOUmimly LIBOR), C (Q:eterly CU]f «S Benkcenl PM1rreS eppems w Iha / of INS aklemenl nett) b p,a perfotlk rerafai. ttw petlodk rates end correspor,dbg ANNUAL PERCENTAGE FATES r!'eY vary querlah ar,d nary b«ease «decrease baser) on the stebtl bdkea, as trial) b The Wall grad Jounal. plus the rtrargn parbusty dhdmetl to Yw. TTasa Menges will 6b BNenrrB w Ma nrst rky a Yrwr NNkg Period roveretl by ygrr Perbdc stelwnenl ertling k the months a Jaway. Aprr, Jug entl Odohec c. tf Ihs cotle O r)dalhly Pdrrej, F 1lonllty UBORi «3 (Treasury LIBOR) gVeas un the hat d yo« sktmren • next b Me periotlk rate{sj, the parbdk: wba and corraspontlkg AhMIIiAL PERCENTAGE RATES vary very rromhty entl may Incrmce «decrease beaed on the stria bakes, as twM h The WoN Sired JwmaL Plus the rrergb parbush tlisdased b yw. These cha,ges wN ba ereche w Me sal dry aywrbNMg period each count. t. Aaaaoamant d Lab. OvarMtt and Reh+rr,ed PaYrrrert Fees. lJnder the brrru ayo« cusMnar ~roemenl we reseroa Ma dgM b walYB «rot1D assess arty faeb wtlnod pd«natlkdton 1D yw liNlntA neMrq nra right b:xsass ttie sere «stgNer fees M fl later thrw. S. MsniDarsMp Faa sq Rans.kgl YourAccaat. N e mambashq lea appears on Mls amtmrren, wo wltl cretlplna be r you request b cbse ywr sccouit,YNhb 30 days dthe nmNing d Ihls deterrent. Yw coq cwltwe b use via eccwn tludrg the 30 der) parlotl bdore your roWasl. If you do nd pay ell dmrges owed on Mts ac«es;l rfih in 90 deya, D(p Yw sae ywr ClBdlt Card a aC1:eUM atl9r'Yw regra,.st tD cbse, m,y menrGrrsHp ba Prarlwsh wahotl may be rdrwlmetl b ywrettwm D. CkrWnp Q 9uspanri,g Yorr Aacwt. You may request the Ywr account be dosed by cmpnp «wrrtg wr Cust«ner Rekpws OePadrrert. Al the ttre d ywr request we vdtl prwkb yw witl: adtl6mal delah c,n cbst+g your eccwn. Thk rtey bcbde payr,erN InDrt,reilm. ttyw usa pD« aedN certl «chmges Post b YO,n eccwm spa Yw ask us b dose your aecorrn4 ,va cm, keep your accord span « reopen tl. Yle nBy drag a suslrw:d ywr aa:omfl erW ;err dgN b abkk cratlN We nay do fiia al erry tore end f« soy raasw, gran ryw are rat b tlefarN. A susporwbn d ywr eccwm ten De Pem,erien «terryorory. ryarr account k dosed «suspmated. yw r,ust sbp usNg yo« «edr card and eccornl. Yw oust ekD cencN etl peedlodzotl Ltary enangerrrena b ns ac«lat. Wa wfl nd do Mls fur ya:. If we close «pomarenly wapall You eceoun, Yw must also deslmy eN credq cards end accart access Meeks. Yw must s1W pq :a erromts yw sae us on Me ecwrnl. even N Ihq vsro Harped a•erywreccau,l h cbsatl « susl>onded. y Islekr,g Peyrnants, Payrrrens you mail to us vAtl be cretllled to you accwn ab dttw rosiness tlq werecave N, pnsvided !! i yw send Ora Dopam potbn d ttia sktenlnl end ywr check b Ina encbsatl rflr,ttlar,cu errvabpe end (2) Yu« Daynrenl b racahetl b an procaabg cent« by 3pm ET (12 rtoa+ FT}. Please avow n heel Ibe r"s} business days fcr postal tlatlvery. PeYrr,eris faceivatl G/ us d m,y atwr Iocetlon «b anY ether torn, prey na be crodratl u a ttre daY we recehe Ham O« busbesa data ere Nonaey IhrDUgh D Notice AbaK Electrmle Cheek Cmvasion Nfren yw PrDrkle o Mack as payr,ent, yw erM!ortzo us eNher b use ktgrtradbn horr, yar Mack b n.ke a ana°tYna rota ekxtronk fu«I trenst«imm Ywrdsposk e-caun«to Process Iha pgnent ez a :heck trensedkut When we use Inomepon hom ywr check to make en elacbraic Md tronabr. Mda mry be Wlhtlrowr. fr«n yo«depoai acco,int as sow ax tt,e xere tlq we receha ywr payrten..,d yw wip not recahe ywr deck beak kom your Ib«ickl i,ultldfw. Your auMOdmtlor, 6 nd tlnied Dy the d:b en Me Mack. We rteY nawlrM end ehctrwlcdty :rile;.) reiumm peymm;ls. 9. t3anbuptq. If yw era annfld 1o hartknpkY Mateabrw tar yu« eccourt, Mis mrmunDNYa; k only 1« in«mep«rel purposes. N a rlrl en ellerrpl b coped. escoss a recover a dad «clekn. pond send eq peymen6 dtedh ID us d wNhod sPearkg wM ywr bankrugcy etbmq «Me BertmgcY CwrL r yw watto con~I us eDOd ywv acewn «Ywr ber,krupky prmeedng. please have Ya+r annmay cwlad us. tBILLMGRIGH?S SIAdkAARY (In Case a Ertors or OuesNons ebou Your B~j K Yw MMk yDUr hry h wrong. «ryw need more Id«metlon on a tronsedk,n a hill, aape lD ua on a saperde wheal fls anon as posslhb at Me addma i«Inqutbs clean Dn Ina toe dMis sktarren. Wa rest heereom yw ro Idar Man BD tlga slier v+e sat Yw Me test bpi or: whkl: ttre error «pnobbm aPleeretl Yw ten ceN rwr Cusl«rer Relatlorw iunDs «ndp us M emretl «webstle, do tlaing so wY nd preserve your rgMs. In Ywr )altar.. glue us Me btloadr,g ktanelhn_ Yo«nana ertl eccwnl nurrba. the dotlar mown d Ire susprded Door, e tlascrydb„ dtle mmrend an mrpfanAion. rtsossbka dwhy Yw balkre Mere h en ama; a ryw n®c rreea bfemybq, o rbscdppon aloe pem yw era unsure ehcM. Yw tlo nd hwetn peY aq amours b quoslbn atwe vre era bveslkyalkg Il hUl rw era st® cMlgdetl b pq F.e parts ctYwr bi Tat ere nd b W action- Wtile wa brastkab Ywr grestlUn, wa cmnd report yw as daMgr,an «kke arty ztlw b coped the anent yw W ospa;. f 3podal Rub for Credl Cana PrnYases tt Yw hero a proHam wtlh tle quaMy d pry,erly a savkas Mal Yw purchased wtlh a eratlp card and you haw Irlatl In good IaNh b correct Ma probiertr wpb the merchen yw rney naveMe rlpht rot b Pq the ranebbg anmd due w Me pmpody « saricaa. Vw tame Mis pruleclion any wfen too W rMese erica wee rmra M~ SBD.Ofi and Ile purMese was nsala k your hurtre alder «wlMb 100 miles aywr nopbg address. pf wa awn «oPOrde the memhad. «r wa mWetl Yw Me edv«rsortred br Ilre properly «aervlcea, ail p+mneses ere cwmad mgamkas d amoud «bcdbn d pumhase.l Pbaxe rorrerr6a to sign etl comrsp«,denra. t Cons .vf apply 1n 5usbeas acoo;s;s Capra) One syrpons Idolrtretlon pMacy pnwacthn: sea wr v+eDspe at w,.°.. taNolonac Captlm One is a fedaratly registered serrias Hale a Ceprel One Flnendel Capaatlon. A• dgns rosanvd. C 20D8 CeprW One Changing Address? Address...._ ........................................... .......................................... Home Phone ....................... .......... Alternate Phone .............................. .. ... E-mail Add recs ..................... Please print address w phone nlrttber changes above using blue w 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 emrelope that came with your ~,~ statement. Using a different envelope could delay processing. • Please don't indude any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. B:,aya- sooooa ~~~~r.A.ua„r~u~"rallet) It could happen to anyone. Make sure you pay the amount ROHAN DOOKHARAN due on your statement as soon as possible. W~OOps ~ Keeping your credit in good standing can do a lot mare than you think. GUOD 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) Cr-9 2gllr7 (-.ajrital nnr. ('.apim! (htc• is e fnc(crally rv,.crruni! rnvirr mark. AU ri;fia~ rcrcrtac~ Previtws Babe p aymeMs 8 Credits FINANCE -_~ ~CIir4RC,E ~ Try ansac6ons~ New Balance M;;;,•;•,,,.«; ^,~r„; ~ ~ ~e $3,377.56 ,~ I ,-- $0.00 ) + ~ `\ ~ $38.89 ~+~ $39.00 '-j $3,455.45 ~_ j' ~>.;.ac_ :., } ~----. ' "'" N 11 _ ~ - ---- ~-- - ov. , 2009 i ~ L ~ Sep. 18, 2009 -Oct. 17, 2009 Page 1 of 1 < - -- ~ :~, MasterCard Platinum Account .._ ^..,. _.~,: r..;,..K <:::~ 517&0572.86647872 •':rice....._ :a a•s ..., ii.~..+..es i YourAccourdlnform~on .. ::.<:..........__....._ .... <::;.;~;,.~~~:.~.~;:....:...... TOTAL CREDIT LINE ~ ~ ~ Famtetits• Credrts rS Adjustments TOTAL AVAILABLE i;REDIT CREDIT LINE FOR CASH ' ~ ~'S'' Trxisactions AVAILABLE CREDIT FOR CASH ~~~~~ ~ ~ t 720CT PAST DUE FEE . S39.OD ~Flnance Charges (Please see r_werse for important information) \ Balarxxrate Periodic Carespondirtg FINANCE applied to rate APR CHARGE ~ Purchase; S3 404 08 0.038089; P 13 909s 838 gq ..ash SOHO 0.(1G92296 D 24 9fy/ 50.00 ! ~A.rN~rN~UAL PERCENTAGE RATE t~plled this peNod: 13.8096- J At Your Service . Cx to wxay caoitat;ne can tc manaDz ycur aabunl, or Ctt ? ~MO-5C3-~31 b rvPnrl a bat rn stckn ce!d rn speak to Cuslarier ReLalicns ® Pay Online at vxxtc~sorta6rg rte` ~r mal w>ur pafrtrnt b. Caporal Ona Bank ;USA}, N.A • PA. &x 713 • Charbllc, NC 28212-1v"83 A Send Inquiries to: C~~t~ One• P.O. Box 30285 • Sat Lake Oy, U' 84? 3)-0285 ® Have a question shout a charge on your statement? Pleaserefer to IheBilkrg Righ>r Suramary on thebadc of your statement or visit www rmira c rom7d- r You were assessed a past dre fee because your mirtimum payment was rwt receired bj rte due date To avail this fee n the future: we recommend that you a6ow at least 7 htrsiress days (a your mirrrltrm payment to reach Capital Orre PLEASE RE(URN PORTNJN BELOW WITH PAYMENT OR LOG ON TO IIVNMJ.CAPRALONECOM TO MAKE YOUR PAYMENT ONUNE. 1 5178057288807972 17 3455450100000186006 ~a~. Account Number: 5178-0572-8880-7972 • ~•~ ~ New Balance Minimum Payment Amount Enclosed - ~ BE SAFE ~ , ~ \ ~____~ `- ___--'•~J• $3, 455.45 I $186.00 i ~ ; ----------~ - ~ % . Your trash could bean Tile ntity thiefs J ---- :~:: old. Ma . 4 rage Your account online ..... ,.,.. ~ ~ ~'~ ~ and end the paper trail. #9029199356882962# Sign up at www.capltalone.rnm ROHAN DOOKHARAN 2 LLLAC DR MECHANICSBURG, PA 17050-3169 ~ Capital One Bank (USA), N~A~ I I I I P'~' Box 7EUa3 r Ill~llr I I I I III I 11 II II~~ Ir'I Irr '~'~I ~ III ~~ '~ ' I"~ II~1 ~I 'll ~~I Charlotte, NC 28272-1083 Il~ll~l'lIL'11111'It'~I+~fIL'I~II11"II'I'lll'll"II~I~~I~'~Ilit _ Please make dtedcs payable to Capital One Bank(USA), NA and mail with this coupon in the erKlosed envelope. 1. Hsu to AwM a Flnanee Charge. s. CrarB PBdna- Vuu wYl have : minin:m grace padod d 23 days wpDwt Ynence charge or. ntlrr purchesea, nave balance transfers, new special purcltasBS aIW new oY;a Merges Y yw paY Yourtad "New Bslanca`, b aaadmce rNh Me Irtpod'aM NMke for Payrterts below, antl M the fur p N Da aalna; by yrsr fnynwnt duo doe. Thee k nn grace penal m cash atlvmcas ant special tmrbrs. M atleXkai there Is M grace paled m arty lrartsaMlm p you cID Mt pay 1h9 total °New Balance." b. Acmeng Finance Charge. ?ransadfms wash are nd sub(ad fn a grace pBdotl aro assessed M,mce charge' i Itanthe data MMBfmnsedbr. or 2}kanthe data the ' heraecYmhprocesaea toyer Account a3}fmm Yle Msl cakntlaf tlay dine wpenf bYling pakW. Aalplm p yw ah nd pay MB "Now Bela;ce" from 11g pr~Iws Dllling pedud bi fuK finance cttaNes cmUwe to eccme t ywr unp¢L^~ balance mM Yie urpaJtl Dekrce Is paltl m lug. fik means mat You msy apY awe nitence charges. even Y yw pay the attlre New Beknce bdealea on IhB frtrY M ywr stdematt by Iha peyneM due data, but tlM nM do so br Iha gevlws nonlh. VrpaW famMe charges ere adtlad b mB apppcaWe segrnuM M gauACCVmt. c. tNMmum Koonce Charge For each aXbg pedutl that ywr accou:l Is srDplct In a M1ialw charge, a rWntnum Idol FRJANCE CHARGE M.'pD.3g vAll DB inDnErrd. d. Temparery tietlrautipn it FkrancB Charges. We reserie me ISM b nd e6aaaa ary Or all (nmCe Chatgefi hr alty ghat WNbg padotl- 2 FAVw¢ge ~~ a~akw by rudtigYi!g me ~Y~y). 6dmce d each segntert dywr acwM (B.g., Lvsh ewaMB, purMasa, spacal kansfsr, end spacial pwchase} by ha carBSpondptg 0¢!y pedoac reefs} met hex been prorlwaly tllscbsed N yw. N mB and of eaM tlay dudrtg the blpkg pads; wB appN the dory tedodk vela fa sad; sBgrttml of your eamuM b Fe uely bebnce d each sagmenL Thm el the anU d the aping pBrbd, vna adtl up the resrAts d Mesa tlally cekdal(ons to ertiva el ywr pabi/c Yrtertce charge fw tlflM segnwd. Wa atlc up the rasuna Mom eaM segment to evince at ma (del pedodk finance doge fw gar eccwM. To gel me daily baarn:e Tor Bah segment d gar attwM, wB fate ma beglnntg bdmca breach sagma;l erd atld any new tra,sadlms and ary perbalc nuance Merge cekrrbtsd on Iha prevhsus tley's belaMtl for chat segmml. We Ihat Eugr¢d any paymmk nr crass posted as Of IDs day mat eta alocaed to Msl segrrwrt. TDIS gMes ua Ma separele tleYy balance /or eah sagrrwnl d Ywr eccwM. Mowevw, Y yw paid the hew Balance shown m ywr prevbus sklarrunl b ful (or 1 yax new Datatce veal z»ro or a LmWI emounQ, paw transacpms, which post to your purcMsB or special pumhasa sBgmaes eta nd sdtletl b me deNy belemec. WB calydelethe average dap/ belmce by adakg al Nte rkM balances bgdlwr and tlNldbg Ina sum by Itre number of the tleya In the cunert Ring cycle To cakulae ywrNlel Msnce Lh61ge, rruggy ywreverego tldN balance ty me dMN perbtllc rate antl tw the punter d tlays b Me billing perktd. DIe b remtling m a elegy Dads a due N rMrArwm finmce CDergB assessnBnt, there piny ba a valence bdwe¢rt Ihk caruktlm and the ennunt d Ynence clwrge actr~lN assessed. Changing Address? 1. Mnual Percxrt¢ge Rates (APRj- _- a. The lerrrt "Annual PBmeMege Rates' crag cyrpear as "/VPR cm the front dthk sldenenl. D- Il the rneB P rOuarbrN Prtnej. L (aualedy LIBOR}, C (4ederN COy, a 3 (BenkcaW Rlne)appBere an thBl alMS slatarrenl noel b the pabtlk WN(E/. Ye pedodc rates wtl come6por>r'Mg ANNUAL PERCENTAGE RATE rttaY raj quertaly ant rrtay Mwease or decrease based on I1b at¢btl Mdces, a6 iwM b TDB WBII StfaYt Jound. qus (he rrgagit gBrlousN dkdmea to Yw. Thaw changes wgl DB eYecpve cn Iha first day d yoga Wiling ) pafod eoveretl by Yow pModk alelemenl ending h the moMlts d Jawary. ApY, JuN ant Oddtr r. c. If the xdB D Q,brYhN PdrMj, F fMOnfMy UBORi, a G ~, (Treasury UBORj appears w the fray d your sWtepeM peal b me pabik taterEj, the Mbdk rebs and careEpordbg AhpJUA1 PERCENTAGE RATES p6y very ° mnrehN aro may increase ordeerease based on the state brncea, es twM h The Wap Strad Journal, plru the rnargln perlwslp dladosa! b Yw. These chargBS ant ba eltlcYrB m the Nsl tlay d ywr bplnp padpd each rrd,m. 4. Asses+ment of LaL. Or>arYrnp end Rebimed Prayrrerd Fags. llntlBf the fallnb M your Cualnner CtlrBanB11L rrB reserve Me rklM b weNe w Mt to easesE arty free wphan pda ndYkalm In yw wnhoui weMrtg wr dgM b assess me save a EiriXar EBBS a e Idw Onae 3. tYarnbarsMp Fw erM Rerre¢arrg Your Aecowa. 1 a mamber6ldD tee eppwrs m mis sMerteM, rx vAN cretlp Iha tae 1 you rmtect In close ywr eccomt vhhb 3O days Mlhe maYfng dmk stdar.ent. Yw may cmgnuBlo use Yi0 eccwM dtMg the SB day pedotl before yaw request. If gnu tlo nd pay eY crpvgBa owetl on W s accuad rMh h bd days, or Y yw use ywr crBtllt catl nr account eYeryw request to cbse, my merrbBaMp fee gevlausy weNatl rratY bB rdrssldatl b ywraccant 8 Closkrg a 9usperrdrg Your ALewrd. You may reruesf the ywr account be cloaetl by cdgng wwrltg wr Cuslarer RelaYms DepBdmal. N Ire tktr¢ d Ywr request, as wig pmyWB You w1M adallmd tldalE m cbaing your eccwM. TMs neV bepba paYmBM itlnmetlm. tt you use pow ttBtlp card a Merges poll b ywr a:court apw yw ask us b dose YOwacmuM, we cat keep yea acewM open w reopen t. YJe may drwB a suspend ywr eLSOUM erW yow dgH N oD1aln rndt Wtl rtey do ink at any Itne antl fa aiy raasM, eve; p yw era mN h defeuX. A suspBmbn d ywr eccwM ca, be DemateM wtBntpwary, p ywraccounl k dosed a suspwitled. Yw Host sbp using yow wBtlp card eM accent. Vw m.st also Cancel aY geatAhodZBd bgrYj ertmgwreMa b he acwaN. WB ws nd tlo ink fwyw- If we cbse wpermanertry suafeM Yea eccwM. yai moat oleo desDOy et LYBIW cards end accuart access :Decks. Vw must atNt pay aN emoatk Yw owe ra m me accarM, arm X they ware Merged eYarywreccant k cbatld a suspeMed. ? k7BMnp PttYrrartts. PaYnerYS yin meY to us w11 DB credYed lu yea eccwM as d the Dullness day we receive p, prurWBtl f1 i yw smtl pe hoYOm podfm M mis skterriml antl ywr check h me ertdoaetl rUMt¢ncB emBbpB antl (2} Yow Payrrwnt k recdvBd In ow procecabg career by 3qn ET 't2 nom FTj. Pkeae ekar at pest IIvB f3j Dusiess days frr postal aeway. PaYrreres raDewea M as a my other locabn a k arty doer corm may nd DB credlletl as a the say we rBCeNa tltBm Our business days are Matdey thtagh Sebrdav- mrcwrtan„ r,,.una.. Address ................................. Home Phone ................. .................................................... Akernate Phone ........................ .......... E-mail Please print address or phone number changes above using blue or black ink 8 NoYro Abod EkNmlc Chedr CanvasfaL What yw pmrbe a Mack as payment. Yw edhodzB us oilier N use Mnrrr¢t11on fmm yow chock b meta a melime ~ dedronk fUltd trenbter h'Jfn ywrtlBpo6p eCComl wl0 pro=acs tfe paryrrent es a Check transadbn. Wien we use S iMwma/pn Mom ywr chet~k to make an niedraic fund tranabr. Mtla mty be aNttlrewr, Man ywrtlepwl account fls sum a6 fte sane tlap we receNB ywr peyrrer0. antl yw wIY MI recBNe ymr dteck back tan ywr nnenebl inW dtm. Yow edhMmtim Is nd lin8ed bi fte data m Ma chit. We mcy resutmq and dactrmlrepy coWCt relumed Paytrralk. 9. BaMmytry. If yw are enlplyd to banknydcy prdedbna la yow eccwM. 4ik cormtuMatld; k mth/ fw IrYOrrrpYOnel purposes. t k nd an aYertp N cdbd, essBSx w recover a ea w cklm. Do nd sane enY Da'/mark tlpadry to us d B~RaryPaaCking¢7DywrbenkrugcYelNmayame You wad Io coMan us mod yow attwrt a Yore b¢itkn:gcy prmeedlrg, please hove Ya,r attorney cmtad ub. tBILLpJG Rlpi?S SI.MMARY Qn Cese M Eaurs mOuesYms eb0d You &1) tt Yw Mink your bq k wring. a n yw need crow IMwmeYm m o trerae,-!bn or Mg. ,sypB to us on a s¢garate spear as lain as posalrAe at me address fa Inquika storm m the toot of ink sblamerY. WB ra"st rear form yw M later Mat 80 days aner rte sent yw Me f4a1 bIX On suhkV, the Bow a proaBm e(rteaal Yw cat cal as CuslanBr RBletbns number w ndly ux Dy . venal m wdrspe, but tlofng so wig nd preserve yow dgMs. In Ywr kna, give us the talbvdng Morrrelbn: your name eM accwnl nurMw, the doYa artwM d fte suspedetl amr, a descdpport dthe arer and en argatabn, YposskAB, Mrfiy yw believe mete Is en ertw; a Yyw need pore Mrmidbn, e chscdpYon oTthe gam yw ere unsure shod. Yw tlo not have to feY ary emourt b quesffon wMlo svB era MresYgating 4 put Yw ale stlY MIYgABd to peg me peM1s MYwr t~ met are na in questlon. WhYe wtl InresttpeN Ywr quasYOn, we camel report ya, as deYMreM a lake amJ ecYan h rnlled the ¢ntowl gnu W estbr,. f SpBdal Fa:k fw CredY CeW Prach¢s~ If Yw have: IaoMem valh MB WaYty d prcpedy or services that You purchased rAh a mean catl antl Yw have Uled in goad lath !o torred me prddtm wph the madtert, yw rnry here me dpM rot la peg the rettrebh,g enwuM sue m the prappdy a swviceb. Yw tvve Y,k gdeclbn mry open the wrMesB pore wee rrrore pan tanoo mtl the purMese aes r>Bda b yow lurrn a1dB a wphb 10g mYm of ywr mWNng etlarass. Qf we own a nterete the nradrM, a f wB melBtl yw me advaYterteM M rte IrapaN aEervk;BE, sY purehase6 are coveratl regamless d amount w locallm M pumhasB.} Raase renerr6Br 1u algn all comrspaWmce. f "..vac ,rotaPyyb5usL•ess acmrnrs Copilot me suppods hMOmelkn pdracy prorenlm: sae wr rsDsne at siVaa ceNalone coin Ceppa One is a fridefMN registeretl service crack M Crypd One Ffnatdd Corpaalm. Aa dgMs reswvBtl- b^ 20(18 Ceppal Cne 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. • l;e sure to use the payment envelope that came with your L,~ statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. `rJ- what's in your wailed MAKE A PAYMENT. AND TAKE CONTROL X15 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 fi~+ g check by phone service or speak to an associate by calling 1.800.955.6600. p 20x9 Capixa! Chre. Citpita! Una is a Tderally rc~xisrercd sen~ite mark. Al! righrs ramud. FlNANCE Previrws Nance Payments & Credits CHARD Transactions Nevv Balance ~tar~:;an: ?:~y-s:r>:s Due tote ~ i \ rim ~~•, .,~ : -~ $3,455.45 ~ I -- $0.00 _ I + I $41.13 ~+I $78.00 ~=1 $3,574.58 jf v~^.; i;: ~ Dec. 12, 2009 Oct. 18, 2009 -Nov. 17, 2009 PagB 1 of 1 % MasttarCard Platinum Arxount 51T6.057236t10•rgT2 Your Accourd Information TOTAL CREDIT LINE $3,590.00 TOTAL AVAILABLE CREDIT t;0.00 CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 ~---- -- / ......... ~ s.; .... .r.. w., ... ............ ~:, ... .... ~ a ~:::..,.. As preciously dsciosezi yax pramouonal raie wii expee soon. Pkwse remember that begirnetg ai January the rare that wi apply w balances subjcat to the Fudurse and Balance Transfer rete wll be a variable rate. As o:` 09,25r09 tllis rate was equal to 719%. Payments. Credits 8 Adiustmertts Transactions 1 i t IJOV PAST DUE FEE gag 00 2 1 i NOV DVERLIMIT FEE NOV 17.200.4 gag 00 `Finance Chatpes (Please see rwerse f« important infama?im) \ B~arxxrate Periodic C«respondng FINANCE! applied to rate APR CHAROE Purchases S348408 0.03808% P 13.909: 541.13 Cash 50.00 0.06822°/ D 24.90% 50.00 ~ ANNUAL PERCENTAGE RATE applied this peNod_ 13. At Your SwMee • G: to waM-cadtet=necun re manage ycu! mxwri, or Ca[ t ~&10-503-3637 t rapcn a b51 «SIG~n Ce!d Or spsek r0 Qlalnlrler Rehtk:ns ® Pay Ongae et ratw.caoh~,ne wm or malyou! palm•nt W: Caplal Ona Bank ;USAJ, FJ A • P.O. Bnx 11003 • Charbae, HC 2&2121083 A SendlnqulNesm: t.si1N Ore• P0. B>x 30285 • Sal Lake 0.y. UT 84?30-0285 Nara a questlon about a charge on your siffiement? Plea a refer to the Bileg Rajh~ Summary on the bade a your staremerd a visit www r,•aoitalc.:_ cardr~nstes Your account has gone ovret i~ cretit lend. To avnidad66onal overGnit fees, you shor>!d pay urea than the Merenum Paymeni. Please pay enough to brirg your accarnl Ixalarrx below yax aedt Emit i:rme6atey, and make sure yea account ~rrce rerraels below yow crew; 6mi' Please be are the amount you pay accounts f« any futwe puchases, fees, and fnarice charges. You were assessed a past due fee because your mrinun payment was rat received b! the due date. To a~)ad this fee in the Fuurre we recommend the? you crow at (east 7 baseless rerjs fa your minimun paymerr? to rea:,h Capital One. PLEASE RETURN PORTION RELOW WITH PAYMENT OR LOG ON TO WYNN.CAPnALONE.COM TO MAID VOUR PAYMENT-ONUNE. 1 5178057288807972 17 3574580100000301006 Account Number: 5178-0572.3880-7972 :.>.ie! i'?~~ New Balance Minimum Payment Amount Enclosed =~::::. '.'^i~ ~ $3,574.58 ~ $3 001 0 l ~~~ ~; :>>:. ..... ~~:;~r - f19032299350552965q ROHAN DOOKHARAN 2 LILAC DR nECHAN2CSBUR6, PA 17050-3169 I'PI'Illl'11I111111111'Ill'11111"'I1II111111111111"IIIII'~1111 GO PAPERLESS! The trees will thank you. Sign up at wuvuv.rap'Italone.com Capital One Bank [USA), N~A~ P~O~ Box 710!53 Charlotte. Nt 28272-1083 nIIIII~III~~uld~h~hlPll~~llnlr~ll~l~lll~ll~~llllllll~lnl Please make dredcs payable to Capital One Bank(USAj, N.A and mail with this coupon in the enclosed envelope. ROHAN DOOKHARAN ?. How to Avdd a Flnanca Ctretga. atra® Pedal. You arp hsve : rtinkmm grace pakY d 21;reYs wnhwt Anence charya or. Iew purchases. new bdance IransfaB. Haw apsdal purchases alttl new otl,a [haggis nyou Pay your Idd'lriew Bslatca', h accardanee w7h Me tnpoltaM Ndiee fwpayrteMs blow, and F Ikre br n to ka ctedned by year {eyrtwtt due date. Thera h m grace perkbi w cash advances end spxl3l tensors. t etldnka, fhae Is m grace pedal on any henadlon A you do rot poy the oral "New Bdeme." b. AcmArrg Flrtenca Gringo. Transactbns vMM ere nM subiaa to o grace palod ere assessed Mtarce Merge'} from the tlda d the tmnsactbr. a 2j tom Ina deb the tremectlon s prccessatl b you AcmuM a 31Inm fie Met talents daY dMe outran bnling period. AddNlsnelYa, N Yw did nd pay iha "New Balatee" Imm rte prevloua billing ped;rtl in fW, Mtence titerges catAwe to accrue to ywruipeb bebnce una rie uryatl belarce h paftl a iW. TIs rnaen that you ray sit awe Anance Merges, even tt yw paY Ma a,Are lJaw Balance bd®tetl on tie frteq d pwr stdement by Me payment •we dale, but tlltl nd do so br tM Ireviws month. ttryoki Branca chargos are ached b rie e{gnctrde segment U ywr Account c. NMrlnarm Flrarrp Charge. Fa each WMtp perbtl IhM par eccuwl Is stLied to a Menca charpa, o mfntrum Idol FMANCE CHARGE d'FO.rrg roll he trnrosed. d. Temporay Redrdion Yt Fktance Cheryas. Ws reserve the rtgM b nd assess airy or atl fbarue charges for any ghen dRtg pedotl. 2. Avenge DaAY BWanee Qndutling Now Purerrateaj. Ilya charge n cala,labd M ntltlplylnp Me day bdatce d eaM segntoM d yourxcwM fe.g., cash edvenca, purchase, spacial Irxslar, and spxkl puchasej by rie eorrespondYtg daAY pabdb retelsj Ma hres been prevlway dlscbeed to yw. At ma end a eaM say tlutttg Iha bping pertotl, we eppy Iha dally padodlc rde for each segment d your account to the daft' belenco d oath segma,t Then at the aw dike dfirtg pedou, we vdd up the results d Mesa dally cak;aatbnx to errhe el ywr pwbdlc frtartce chaga for seek segued. N'e atlu up the tesuNa !mm sash. sagneM to erdva a! Ma tdel perbdk fira!ce Msrga (w ywr x[wM- Tn gd rie daft' bdars~e iw each segmaN dynes account, we lake Me teglming baa~ca kx exh segrmnt ors add any new tratsaclbns ere arp palatic Atenco Marge cakulatm on lie prerbus day's Dalflxe ktr Ihd septtenl. Nhe Men wdroa any Payments Pr CI&ps posted es d that tlay that era dbeel0tl 1R the 5agrtNll. TIf1E ghee gib Ma beparda defy babme tar ea^h saymenl dyaa accwM. Huwwa. tt yw pant the Now Balenca shover. on ywr lrevtous sbtenent h fuA ror f you Haw balance was zero or a tTWA arrulnQ, new• Iransedbns, which post to ywu Iurchesa M speda purchase fregnteMS era nd adtletl b P,e dafY bdaxas. We cekdele the avelae dory balatca by atldhr~ W tl:a tsNy Delaues bgdher end dhlding Me sum M the camber d the days In tie wnent ding eyrk. To cWcade yoatdel flnanca Merge, rwtply pwreverage tldy batenee br rie dairy poodle rie and by Me number d days M tls bltng Paiud. Due b mrndntg on a daily bests a duo to ntkdrrsrrt bootee cterga assessment, there rtey le s rerience behvean Ihls cdculdlw end the smart dtnance charge aduslly assessed. 3. Mtnrd ParcenNage Rates (APR). a. The lean "Annual frecadage RetrJ' tiny appear es "APR' ca iha front d Ihls slderrertt. b. II rie mtle P (Cuarbdy PrYrei L loueaerty UBCRI, C yQtadery CDj, aS iBrnkcad PrYm1 rQpears m Me hart of fHa staamatt Wad b MS palodk role(s), Uta parbAc tales and comssporv"bg ANNUAL PEIiCENTACf RATES tiny va7 4+adanY and trey Increase or tlectease basal on the stated Indkas, es tarntl b ma Wall grad Joumat pW the rtergYt pavbusry disclosed loyw. These changes roil bu eNecfve un the nrst Wy d ywr Uitg patotl covaetl by Yorr perkrdk slclemeM arldYtg h Ure neMha d Jewrry, Aprtl. Juy ant E:aehar. t. If Ina ~ D r1Narlhry Pdmei, F (Montlty UBOR't a 6 (Treasury UBORj eppeas un the Irat d your stakared Wad b rie perlodlc tale(s), de pMOdY; reeac end cdtaspoMNtg ANtdUAL PERCEMAGE RATES may very rmrNhry entl rtey Y:craese or datraese bated on the atefad Indkes, as frond b The WW Strad Joumel, pYS the rnergln partway tlisdosed b yw. These Margas tat Aa efecAVa on the Mat day dywr blip perod exh monAl. 4. Asaaaarran[ of Lam. OvsrtYnn std ReWrrred PeYrrrert Fees. LYtda the duns dyaur euatoner agreerrratt era reserve Ma dgM to wake a not to assess any fees srpsrl pda ndlncdlon b yw withwt rreMng our dgM b sasses the Sarre a s Wlar foes d fl lea Mire. 5. Afanrbxatrb Fw and Reneadng YourAteout- f e nnrwerbnb tae appears an rile bblamua, vve win tradN Ma lea tt you request b tloae ywr accornl whthb 3D days dMe mdnng d Mis stdsrwd. You trey conMwe to use rie eccwM durtng Iha 30 der pakrl before ywr requed. gyau do nd pay eN cferym owed on tlds ecwwd w4h h gD days. or A yw use ywr crecnt cW or acaouM alavw ropiest b ebse. any memberahlp be previousN waked say be rdrstded m ywr eccoud B. Clpslrg s 9uspandlltg You Account. You rney rarest Ihd ywr xcornl bs closed by ctilNrtg a ayAtg ror Customer Rdafats Departrtert. N ilia tote d your reposer rva wlN pmvltle yw w1n: addAknd ddaAs on ebaitp you accwnl. 'NS rtrey Include peyrroM Ytlometlm. tt yw use poi aedn cent a Merges yosl b yaw a:couM alayw ask us b dose you accauM, we cat keep your xcwa opal a reopen t VJe may dose a suspentl ywr aaroud aq ywr dgM b dtlad credl We trey do rile a atY IYre entl br airy rasbon, era, N yw are rot b ddxN. A suspenbn d ywr eccwM ten be patmrteM a tarponry. N Yow accwnt is dosed u suspslded, yw Waal abv uaYtg Tar salt cam and xcoum. Yw must also Hated aA geautlnrtzed big ertdtperreMs b rie eccoad. `Ne wlN nd tlo Mis tayw_ If vie close apemenerfry suspas Yotr xcouM, Yw must also destroy aA crerp cads end eocoutt access Meeks. Yw must stNl pay a1 errnurtk Yw owe rs an Ina xcorrd. even f that ware Mapatl eta ywrxcounl is closed a suspased T kAakktg PayneMa. PeyrreMS you mat ro uE roll be tretlnetl to your ettwM av- d tea wslress tlq can recelre n, prarkted l+, i you said Ile bMarll portbn d 1hM s1a18rrent gird ya:r chxk b rie embsed rarMfarica amektpa ant (2j you payrtent b recdved M oa prxecabg cents by 3pm ET j t2 noon FTj. FWase aAuw at bast Nra (bj business days fa posnl tlefvery. PaYmatls recehatl by us d ar%' oMm Ixabrt a b ery oMalwm Hey nd ire cretlfal x d the coy we reeehe 1Mrtr Our loins:s days era Mmdoy Mrough fl Nofke Abou[ ElaNatlc Check Conversion Wtren yw prwkle a chxk as psymatt, yw erdr~ddet u eper to u~ iMwnallat trvn ywr chxk b Wake a anu1M ebdronk furor frensfa frwri ywr tlepost accmM db process the prrynran! es a chxk la,sedkut When w use iMameAwt from ywr chock to make an ataclraMC ltund trmtsbr, hinds nsy be wnhtlnvm from qwr dapoaf anroratt as sus, as the sane day we rwehe ywr peyrrenl, ana you wp not rxehe pea aleck bxk tom ypurtlnarclsl itsN(Mim. Your euthrsmtlu! t nd Nrped M iha dale mite chxk. We tiny resutmn end obarmirdry cafact ratwred payrrra,s. 9. narbuptry. Iryw ors eMnlyd to bankruptcy proledlors M ywr xcwM, Mls unmmuMcatlon k orAy fa Irtrarrtaldre{ purposes. N is nd an afarq to ironed, assess a recover a dad a claim. De nd send any parma,h tlkedy tors wnlgd speokhtg wAn ywr benlwptcy atbmaY a ire Bartkrugcy Cwrt. tt yw wad Io coMxt us about you xcwM ay~ur bankn:pfry Pmceedr~. please haveywr atlomay cwlact us. }BILLING RIGHT'a StIMMARV An Cese dErtus w Otnstlons abod Your Bpi ttyw oink your bIA Is wrong, a tt yw need more iMOmetdn ar 8 7renaalon w bnl. wMa b ua an a 58parda Rhed a3 eCall ~ posslde at Ma adclteas fro Ingtlles sh»m on iha lard otrils sbNareM. We rust h6erfmm yw no Ida Nat Bn dstys ells we sent yw the fYSt dN or. Wtldt the era w problan appwed. Yw cat c W uu Clslaner Reblons rurber a naUy us M anon w a965ne. but daYtg so wp nd presarva you dgds. M Ywr tells. glue us Iha idbrktg IMomelbrt: ynaname and aecwM nurbu, the doter ernouM d rie euspeded errs, o dasabfat dire enorantl en ezpl;ndbn, n poss161q d Wry yw believe Them Is an ena; a tt yw need more IrtfcartWlort s dastrbtlort dike nom yw are urMUe ebad. Vw dO rot ntrvam {ey arty armuM h questlon wMb t;,e ate bvaslfgatYq 4 put yw are sip obNgaed to DeY rie parts d Ywr by rie as oat kt weslion WtAe rrtr rnrestlgeb Ywr quesnon, w9 cans rapod riri as deMtquatt a mks anY xlka b mllea the anoint yw questbn. } Spada) Po:b Iw Credl Cam Practises ttYw heva: prodam tatY tle quelNy d prcOerYt' or strrv&ew fat yw purchased wllh a credo card end you have Irlad In grind rank b correct Me prdrlem wIM iha mercbeM, yw may narerie dgd rot b paY the rentaYtp,g annum due on iha properly a sarkas. Yw have rih prdeclbn any wfrett the Prrcnasa pica roes rtrra rien tSfi.DtY end the purchase was Wade it your Itcxru stag a rArib 7C0 rMes dywr melNny address. Mwu om+ a epaete the rtercheM, a f wa rneAetl yw M aCra6ertent br tie prepay a aaviees, en puttiteses an rnrsad regardless d arrnuM a bcatlan d Iemhase 1 Plaice rerterr6er to sign en terrespontlence. t Cues .rot aPaY b 6usl.•ress acmunrs Cgptlal One srgtpods IMometkm pMecy pmnctkn: ace ror •vabsne m snrrr.eaolalonaeom Cepnal One b e iedaafy regisleretl seMce nark d CepNel Otte Flr!endd Corpadlon. An IIgMS reserved. a~2dgn CepAa One Changing Address? Add ress._ ............. Home Phone Alternate Phone E-mail Address Please pool address or phone ntunber changes above using blue a black ink Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your ~O statement. Using a diffierent envelope could delayprocessing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16-digit account number on your check. - y rafiaYs in your wa(let7 MAKE A PAYMENT. AND TAKE CONTROL ~0°'° OF YOUR CREDIT WITH CAPITAL ONE Your account is temporarity 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. C~3 2009 C:apitay Unr. Capital Unr rr a frdrra![S rrgitrrrrd rrn>irr mark. AB righa rrrcncd FNNANCE Previous Balance Paymads 8 Credits ~ Transactions New Balance A§i;:;; :;sm ^;<yY;;;;;„ pus p~ $3.574.58 ) ~ -~ r---~~-r----~ ,-----~ ~____ JI- $0.00 +' $41.15 ~+i $78.00 I-l $3,693.73~i r ~'~: ;;i ;i;; ;Jan. 11, 2010 Nov. 18, 2009 -Dec. 17, 2009 Pegs 1 of 1 MasterCard Platinum Account 517&05725880.7972 Your Account Information TOTAL CREDIT LINE $3,50!).00 TOTAL AVAILABLE CREDIT $O.pO CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $t).tb ~----- ~Finance Chergt>s (Please see reverse for impatard information) Bakurce rate Periodic Corresponding FINANCE applied to rate APR CNAROE Purchases S360219 0.03808%P 13.909; S411ru; Cash SOHO 006822% D 24.90% 50.00 I I ANNUAL PFRCENfAtiE RATE appllad Ihls peHod: 13.90%_' At YourSeMce•GWtcy~,bma:ralevcuraxouN, a Ca[ ? 800-~3-3631 b rapm a bsl a sbEn card or sassk to CuslrHmer F2edtkv s ® Pay Chine armor, malynur parmrmr b: OaPital One Bank iUS0.), N.A • FA. Bnx 71063 • CharbRe, NC 26272~?083 A Sendlnqulrtesto: ~M Gne• PA. Bm 30285 -Sal Lake Oty, U' 84? 30-85 ® Nave a questlon about a charge on your stetemantl Please refer b the Biidrg Right Surnrnary on the hack of your S tat~lerlt IX NSII wwW fyDltalOfle f'Olilf()fa rte= x e P <~ ._. x. , . hs preriously dsclased your promc>batat rate wi8 expge soon Reese remember tf?at begirriq n Jamrery the rate that wi appFy 6o belerrces subject to the Purchase and Balance Transfer rate w8'x a variable rate. As of 1 U2ri!~J9 ttis raie was equal b 22 9?b Pavmt:nts~Cr+edits 6 Adiustrtrents Transactions 1 12 DEC PAST DUE FEE ~ 0D 2 17 DEC GVERLIMIT FEE DEC 17, 2009 ~g rJ0 Your a.munt Eras gone over id cradt tmd To amid addtion~ overfimit fees. you should pay more than the Minimum Payment Please pay enagh to brkR1 you account bebnce below you rxedt ind kmmedatey, and make sueyou account balance romans Mar you raedt limit F'leasebe sue the amour[ you pay accounts fa any tutus pschases, fees, and Fnurce dreryes. Yai were assessed a pas; due fee because your minemun payment was trot receh+ed by Ore due ate. To avoid Ih~ fee n the future: we recammerd that you allow at least 7 business days fa your mmirxm paynnent b reach Capital One. PIl_ASE RETURN PORTpN BELOW WRH PAYMENT pR LOG ON TO wWW.(iAPRAIANE.COM 70 MAID YOUR PAYMENT ONUNE. 1 5178057288807972 17 3643730100000418003 Account Number: 5178-0572-88811-7972 .~ •..?<:? New Balance Minimum Payment Arnount Enclosed `~-• • • - . ,- ( $3, 693.73 ( $a 081 00 ~ ~ ----- ' --------- -- J ,::. -. g90352993505529152lt ROHAN DOOKHARAN 2 LILAC DR IYECHANTCSBUR6, PA 170517-3169 Il~lhlllrlrl~hl~lllll4ll°Ill~rl~~ll~lll~n~hllll~llly,llll ORGANIZATION `~ MADE EASY. Forget the filing. Manage your accourrt online and simplify your life. Sign up at www.np'Ralone.com Capital Dne Bank (USA), N~A~ P~O~ Box 71083 Charlotte, NC 28272-1063 ulllll~llh~u4l~h~llllnl~~llnh~~ll~l~lll~ll~~llb(Ill~hd Please make cheedes payable to Capital One Bank (USA), N.A. and mail with this coupon in the enLiosed envelope. ROHAN DOOKHARAN '. Hrwr to Avdtl a Finenw Charyo. e Ciece Period. You wN rave a rrinhs:m grace perod 9 25 days wrlhwl inanCe Merge w nerc purchases, new balance trensfen, new specWl purchesaE erd new oN,a charges M yw pay poutotel "New Bslanw`, b attouatea tsRh me trrpdtaN !Idles for taaYntaNs bduw, end In Ikrw br N b 6e cradNed by Yrwr tayntanl due dde. Them Is nn space Parkd an each advanc% and spacial tmaWrs. h edanbR Iltae Is ro grece Period on eery trsmxtl«i r you tlo n>t toy the tole! "New Bdence." b_ Accnarrg Finenw Charge. ?ransadions wNch are nd subled to a grace perod ere ass%sed Nnence Merge : t !mm the daa d the tmnsedbr «2. Nom iha data me hemaMon h processed to you AccouN «35 fmrtr me that caland«tley dare ~atnant WNng perbd. AtltlNi«+ep, N yw did nd pay the "New Babrtee' Isom the pnwbus biiN,g lades in fui, t4,ence charges emiwe to accrue to ywr wtpeid 6alancs unity me unpNd balance Is paid In hAl. Tie r. raena Ihel pre may slit owe nmme Chagas, even N Yw Pay the a,Ire New BaWw~e Inriwled «, the frtmi d ywr sldarunt bylha wYnreri due dale, but tlftl nM do so br IK prwiws rtonth. iJnpald fnance Charg% era adtled b ma a{gNCeble segrmM d ywrAccounl. c. Mblmum Flrwrres Charge For each DNNng petlotl ttYal ywr account Ia sraed to a meow charge. a mk!4a~m tdal FNJANCE CHARGE d 70.BD rAl be tnposad. d. Temporary Reducdon 4t Fbenw Cttarges. Wa reserve medgMh, ndessassanyoreifianwchard%f«arty gNan bang perod. 2. Average DaNy Balance PnchrdlW Near PuMhaaea). Fklance Charge is cakulaWtl by m~plying Ms daffy bala,w d eaM segntoN d ywr acewN ie.g., wsh eduence, purchase, specWl IranxWr, antl specfel purchase) by ma e«wspontlltg daNy periodic wte(s i mat tree been Previoush dhcbEed to yes. At me End a each tley durlr~ Iha biXing padre, sva eppry me dory treMdlc rda f« esM segmanl d your eccouN b me defy beWnce d Each sagmaM Than, al the and d iha Nang perbd, wo add up the msrMs d mesa tlaep CekuWtbnx to arrive et Ywr p«bWC 6mrtw charge i« aeeh segnreN. !tie add up the resuia fmm each sEgmaN to anNe W mE idol patodk fira!ca Chsrge f« you seCwN. To ga me daffy bdarse f« exh sespnad of ywr acewN, we take Ma hegimNy bala+w for each segrnant eM add any new tfensedlms aM wry perbiic irgrso Mega cekuWWd on me txwlws day's balance for Nret sepnant. Wa than sudrset airy Paymanix or credNs pmbd as dthat tlq teen ere arocdod to Mel segment. This dues ua Me sepaae daNy baance rcr each segment d Ywr acewN. Howwa, N yes pad the New Belerce sharer, on ywr pwrous slatartrent h fW !« d qwr new haienw was zero or a eredN aruuniJ, new lransoc8nnx, whkh pmt to you purcrasa «spedN Purchase segrtuNE ere rid added b ma defy beleres. We caICUW1e the average Cary Dalatce by atldir~ aline dally bAa,ces bgrAh«end tlhbbg the rem M the number d the days In the curtert hdb!g cycle. To cWeuWte you tae! Ma!ee charge, muMpry Ywr overage defy balance by mE dairy pakdk role and M the numt+erddga In the holing Pabd. Due b r«aid4,9 on a daNy basis «dlse b rrinurrrarr nnenCe charge ass%sr:tad, there rtrey ba a repro+Ca behvwn INs cakulaim and the srrount d Nnanee Charge adualry ass%sed. 7. MnuW Percentage Rates (APRj_ e. The Wrtn'Mnual Percadepe Rata" ntat' eppea es "APR" nn the iron) d Ihh sfaarrenL b_ If me coda P {Ouarbdy Prbu} L (a,enaly LIBCRI, C (Quededy CD'J «3 Bankcad Pdmeleppeaa on the IraN d1Ns statement neon b Ile perbdk iaW(aj, Ute parfrtdic rates and corwsponding ANNUAL PERCENTAGE FATES nsay very yallBlly and Rler be/ease «deClBaaB bi6etl on Ifre xtaletl Intlkes, eb twntl b The YWN Street J«snal. ph:s the tnaslin prerbusry dhcbsetl to yw. Thaw changes will be BrecW a an the fhst rWY d gar bnNrp period covered by `lore paaodic sWlrtrtatl entlitp b the rtuMha d January. Apra, Juy antl tXtoba. c. tMhe Cxe D r[doNhry Pdrttej, F flAOnNNy UBORj, «G (Treasury UBORj aPtteas «, me trod a you slaterreN next b me perlcdk role(s), iM pabdk roles and corresponding ANNUAL PERCEMA(N= RATES rreyvery mnrthry and rrey bcreaxa «deerease based on the staled bdiCm, ea trend b The Wan 31rad Joumai, plus the rnargb pwviwsry diedmed b yes. These chargm wM he anwWe on me MI tley Mywr bitg perbtl each monm. 4. AaEesament d IJasE, OvtarWtil aM RMmwd PaYrfrsN Fees. lJntla the Wrrm d your cusionrer rrrearlenl wa reserve me dpM b wehe «rol to asseaE any teeb wNMu1 pn« ndikdlon to yes wNitai waMng ore dgM b :xssss the sere a aNNhr Wee at a Ida rhos 5. NAambenhlP Fee arM REneaArtp YoraAcmat. r a mambaxMp lee eppearc on mix cmlamwe, rs roll! cradN the fee r you request la close ywr accornl aAthb 30 days dthe rtreiirtg dmlE staerrenl. Vw may cartnwe to use me acewN dudng the aD tley period below Yorr reyuast. If you tlo nd pay ep chanJes awed on mla acarunl rAm b fl0 days, ar Y yes use ywr twat Cad «ecwum aNayw request to dose, wry nrerrderstgp fee Drevlwah sehed may be rdmtaatl b Ywr eccraari D. GosNp a tJlrsperdkrp Your AmsNa. rw may request iha ywr accwnt be clmed by crYlhtg «wNbg wr Cusitma Relatlav oapanmai. N N4a tiro d Ywr request, ere sym pbyltla Yw atth adtlrbnN dAa1s on cbsktp your acewN. iMS may ineLtie Reyrrtatl Wormatlm. Nyou use your ttetlN catl «charges tree! b ywr eecbuN aia yes ask us b dose Your aecwN, wa ca, keep you acewN open « reopat N. YJe nrey dma or suspend ywr etxoutl ad your npH b obieM eredN We may do mM ati atY 16,! and f« any reason. wa, r yes ore rut b derouN. A susperobn dywr acewN ten be pemrened «temp«ary. N ywraccouN h cheep ususpentled, yes must s4rpus4g you oredN cam and ecc«nl Yw oust also Cereal en geaatotlzed bMrg smngurrreNS b me raccoati. We sM nd do mh f« Yw. If -.ve cbse «pemnnaNry suspend you acewN, yes must oho destiny ei cradN cardx end eceoarl access Mocks. Yw must slit pay all ertnraNs yes awe us on me ermatl. wen n Iha/ were charged eta ywr eccoutt Is clmed « suspaded. ? MWkktp Pgmrents. PwmaNa yes met to u~: w11 De eredMtd to your acewN as diha busiwss tley era receive N, provided !+. j you sand Bre bofom portion d INs slatanant and ywr check b ma ertdoaed rari~rtca awekpa end (2j Y~ payment b wcelred b ou PdcesEbg cenla by 3pm ET (t2 noun FTj. Fkese stew at !seal IYre {5j tuskuss days f« pmffiI deWery. PeyrrreNS received by ra at any direr locabrt «In eery cma form nraY nd be creNletl as a iha day: va wwhe mein Cur bminma days ere Mmdey through & Nolfce AbaA Ehrctrmk Chock Cmtwrsbrz When yw tvwbe a check es paymam, yw aalurltu us ether to use YNerrmgon fmrrr you Meck b rttabe a meNre eWdronk turd transfer from ywr tlapost acearaN a b process the paYmatt es a Check iranseuYbrt yylrer: Ere use idarcalbn hom ywr chock to make en elaclrode Mtl tmnsWr. Mdx nrey be wihdrawr. from yo«tlapwN accost! as wa, as iha xere tley se receroe Ywr pamwN, and yw wYl nd reecho your clack back 4ortt yourtetencgl iraadbn. Your eumrafzelkn h nd Wr6ed M Hre dale m me chock. Wa nay wsutma and ebdrankeNy cceact returned peyrratls. 9. BaNOtrptq. If yuu are eriNWtl 1o tsrknpby praactlorsc !« YotN BCCalIN: mis wmm:NCatlat k orry I« ireanttldgi purposes. N Is rrol en eranq b cdWd, essasx «wcwa a nod «clefm. Dona send eery pe/rtrank dkaAy to la wN1uN spearhtg vAh Ywr banlmrptq alloatq «ma BaNauq_ry CwrL r yes watt Io coNan m about ywr ecCwN «y«a Denlm:tMy proceedirg. please freva yorrt aNnmay r.«aact us. }BELLING RIGH: S 3lAAMARV {In Case d Erturs «OuesN«ts shod Your Ben n yes mink your bill Is wnmg. «N yes need rrtore fdanraion on a irersadbn «bm, aria b us on a srtpereb wheel as sprat as posslde at me addrss f« mqu1166 sls».rl nn the fart ofNds stflterlau. We raet heairom Tw ro Isla man trl days eNa we sent yes me 14x1 bNi w whldt me ertar orpwdan atpwared. Yw Cat Cell ou Cuslmrer I~~Ytm rturt8a a ndy ua NY ertreY «wataNe, but tlobg so wNl nd preserve your dgMS. M ywr WNa, She us Iha fdbvArtg idontsellon: your narrte and eccwni numbs, me ddWr amouN d ere suspadad err«, a descrpri«t dtrre awe std en expienelbn, rpossNia dwM yes bdlere Ihae fa en arts; a ryou need rtuw bfrErtrrliarl s rbacdplbn dtr» Nam you as unxue eKx1. Yw 6o nd owe to Frey eery emouN b queslbn white ura are lnreslfgaYlg S OrN yes are slN ud~alod W pay me pats dyne bi mat era tdi b qU%tlw. Wfie we breshgele Ywr quesikat, we camp ra6rett yes es der~ueN a Wke any eclkn b cdlea the amornt yes qumibr,. } Spada! ra:le for CrerM Cana PurChasm Ilyw have: Pwttlam wNh Nre WeNly d fEWerly «sertM.ec Thal yes purchased wNh a credo cad aM you have Bred In goad IaMh to corracl me prodem tvNlt ttu merehera, yes nay nwame tlgM rot to pay the rertre4tltg artrwN due on the prapetly a services. Vw have mix trdedbn any wlwrt me wrchesa peke was rrure mat F60.o0 and Iha purchase sae rtretle b ypr IE,Irer elate a wlitb 1 fA rlliEa aywr nralYng address. Qf we own a Cpaae ltte machaN, or r wE rtrared yes me etlverfaameN bf ma pmparly «sayicea, ao putdrsaa ere covered reyerdlasa d amprN or location a lumhaxe3 Reese rerrrerrear to sign alt coeesp«uanw. } ^ ,xH apply b bu 6sass accv;m!s Caplla (Me sy,pons 4!fortrelbn ptlaaCy probction: see wr weDENa at YAyw.ceNakna edn CepNa Ona is aiedadry wgisteretl serriw rtretk «Capltel Orte Flnentlel Corpurabn. Ap dgMs weaned. ~ 2008 CepNal Coe Changing Address? Address ..........................._.............................................................. Home Phone Akernate Phone E-mail Address Please pant address or phone number changes above using blue ire black ink Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • [)onY staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your L4 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~igit account number on your check. wrrat s ;~ you. aranet7 TAKE CONTROL OF YOUR CAPITAL ONE® 500°„ 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 frig check by phone service or speak to an associate by calling 1.800.955.6600. n 2(NJJ Capiurl Der. Capittrl (7nr u a fcr4raUy reXrrfrmJ rrrerrv mark. All riX! n rrrrrs~rd. Previous Balance Paymonts & Credits HALE Tr~tsactirxrs New Balance M::>v;:urn ^ ~ =>ut~ Due Date `$3,693_73 t ,----- i + `-- J t ~_ \ .. > i):; ,Feb. 11, 2014 r ~,~-' $0.04 ' $43.96 i+~ $78.00' I $3,815.89 l ~•,. ~,~:. ~ \i I Oec. 18, 2009 -Jan. 17, 2010 Page 1 of 1 MasterCard Platinum Account stre.osrzsesarsn Your Account Information TOTAL CREDIT LINE $3,500.00 TOTAL AVAILABLE CREDIT $p.Op CREDIT LINE FOR CASH $3,000.00 AVAILABLE CREDIT FOR CASH $0.00 ~FlOarlce CftargeS (Please see rwerse fa important infomation) ~\i Palaftcerate Periodic Carespond'my FINANCE applied to rate ApR CHARGE Purchases 53723 73 O D38085: P 13 90°~ 543:96 Cash 5000 OD6;422Y D 24.90°/ SD OD ANNUAL PFRCENTA(3E RATE applied Ihts period: 13.gD5'. _l i ® At Your Service • G tc a,w.~ caal^!~~r__c_. tc manage your earourA, a Ca[ ? ?00-5C3-3637 h repcxt a 6s1 nr skkn raid or speak b Customer Fteltlicns Pay fDnNne at wxw-caoiraLne mm or mat your paynrnl b: Capital Orre Bank ;USR), tLA • PA- Bnx 71063 • C~harbttc, NC 26272-1063 Sand Inquiries to: Capital Orz• P 0. B)x 3C265 • Sat Lake t7ry, UT 64?:A-0265 ® Have a questlon about a charge on your statement? Plr.~xse refer to the Bilirg Right Surrenary on the hack o` your statynerd a visit www caoitalare ronddi: tei n ....... w. Vii:?;:. .. As previously dis,rlosed yarr promotional rate will expie soon Please rernam5er that begaaing it January the rate that wi apply to balances subject to the Purchase ~d Pa4mce Transfer rate wi he a variable rate. As of 11/15103 this rate was eglal to 719 'Renewal Notice - See botlr sides of Nte lust page of Iles : latemerd fa impatant renewal nfonnaUOn related ro you ac-amt Payments, Credits 8 Adjustments TPanSar~0n5 1 t 1.J~N PAST DUE FEE ~g DO 2 16 JAN OYERLIMiT FEE JAtd 16 2016 ~ Op Your account has one over its credt limit. To avid addtional aaerrunit fees, you should pay more than dre Minimum Payment. Please pay enough to brig your ac~rrnt balance bebw you aedi rani[ imrtradretely a~ make sue your arcounf balance remairs below you aedt limit. Pkrrse be sue the amour[ you pay accounts fa arty futue puchases fees, and finance charges. You were assessed a past due fee because your minimum payment waa rat rerxnred by dre due ate. To avdd this fee n the future. we lecomrtrend that yai allow at least 7 busiiess days (a }roar mirimurr paymerd to rea;h Capiti>1 Q)e. PLEASE RETURN PORTk)N RELONJ WRH PAYMFENT OR I.OG ON TO wWW.CAPOALONECOM TO MAr~ YOUR PAYMENT ONLINE. " Account Number: 5178-0572-8880-7972 >~:a:?i;te New Balance Minimum Payment Amount Enclosed I a:; , ':^, . ~ $3,815.69 ~ ~~ ,, ~ \ /~ ~ $539.00 ~---------' ~- ---- - -- ~-----J L--- ~ ..... ,..,...i; 1 5178057288$07972 77 3815b9010000053900b #90017993505529b1({ ROHAN DOOKHARAN 2 LILAC DR ItECHANI CSBURG, PA 17050-3169 ~~nllllllnll~lll~lvlilNlllrnhlllllll,ilrrlnlll,nlihuul PAPERLESS STATEMENTS Stop waiting for the mailman. View up to 13 rnorrths of statements anytime-online. Sign up at www.capitalane.com Capital One Bank (USA), N~A~ P~0- Box 71083 Charlotte. NC 28272-1083 nIIIIl2lII11NhI~hrllNllliillnll1111~1~111~11~~11bUll~lill Please make cttedcs payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. ROHAN D4QKHARAN ~. Ha[r to AvoM a Flnanm CMrga a Gram Padotl. Yw rvN Nava : nenkn:m grace perod d 25 days wahwt /nonce Mege on new pun.Meses, now balance iranarers, now Spxl¢I purcltaaea alb non offer dtergas l yes pay gwrlaa "New Balance", h eccaniatce t;Alh Me Impodad Nollceta payreds bdnw, and b time fur Y b M cradYed ty y[ar Feyrtaet tlue doe. There k lxt grace perk d on cash advances end specie fainters. h addtlkn?, Maze W ro grace period on arty tralaadlon f yes do ml pay 1M bid °Rlew Bela[tce." b. AccrWng Finance Ctronte. Tranaadbne Wish are nd suD)ad b e grace pedod ere assessed braise Merge ; j from tM doe ame lranse^Ibr. a 21 tom the date Ms Ireraacaw! 6 pmceaasd to your Accoud a 31 from lie Mt calertda day atM wlrenl Dung perbtl. AddNlnr!ally, %yw did nd pay the "New Baal;Ce" from the prevlwrs achy period in fut. (manse deryes cantlwe to accrue to ywrwtpek Mkrtce tm11 Fe urged balance is pekl Mt IuN_ Tls means Mat yes may sill owe manse charges, oven l Yw paY He enlre Naw Balerce bdlwl~ on IM fnuY d ywr sldanvmt by Ma peprteri :sue data, as tlftl rd do so br IM 1%wlnus math. lhtpeia maiv:e charges ere added b rte atgtlceDb segmsd d your Account. c. Mamum Flnrtm Charge. Fa aaM blNng period Mat ywr account is sriged to a ma,w cMrya, a mbkrum Idol FfeANCE CHARGE a:p0.50 rAl be knposod. d. Tertlpaay Reflation h Finance Charges. We reserve rte agM b na eseoss airy w as mares Mal9es Tor any gWen bWr;p petlod. 2. Avazegr Daly eahnm QndurNng Neyr Purdresea). FYence charge b calwlabd by mi>IUplping Me dairy hoarse d mM sagnsaY d ywr acwd (e.9.. wsh flWence, purchase, sD~isl testa, and apecbt puchase! by fie ttxrespoMtri9 tletly perbdc rore(s i Ihs Ms boat prevbuay dhclased to yes. N Ma end of cant tley doing !ha bNYng garbs:, vre apply the defy perbdlc raa fa cant sagnrad dyour eemud b fie dopy Mbnce a aaM sagmatL The! at the amt a the dabg pedal, vns add up the rea[NS d IMse dory rekurotlona to ertWe dywr pabdc fnarce chage fur each segrreri. W B atlu up Me reaukx from each segmem to arMe at MS Idyl pedodk finance cMrge to your scmud. Toga Me deep bdarse for earn sagrnad d ywrattwd, are lake the bednning bdanw brash sagmatl and add any now tratsedlons ant arp parbdk tlnanca charye cekxiaDro on Me prevlwt5 day a balance br IMt segmem. We Man wdnst any peymems a sterile poste4 as atha day that era etlocoted to Ma aegmenL iTk gNes us M8 separate daRY OabncB ter ea^h segmai of pour accwd. Howes. N yes pad the Naw Baerce shown w ywr laertoua slatarent b tu! .or a your stew Mbnm was zero a a credo amxtnp, nev lransacfons, Wtkh post In you pwcMss nr apeda purchase segrteds ere rot added b Ere datly balances. We calcdele Ire average daay Daatce by aMktg al Me wiry bela;ces bgetltaz and dWldby IM win Dp 1M wrtberd the tleya In tM curtent bllbg cYde. To calculate Yoa total Manse cMrge, mrMpry ywr weroge dory habrtce by Me day parlodk Tale end by tM number d deyx M tM DYNng period. Due b rwntlktg on a daNy Msts a tlue to nirdrtaart frna~ce cMrge:ssesarent. Mars may M e ralatce balrsen His cacuMlnn and the enetml d anence cMrge actustly assasssd_ 3. Mwra Permrllage Rates (APR). a. The lam'Armrlal Pacemepe Rates' ray appea es "APR" cat Ina Iron) dMls slalement. b. H Bte svtla P ?'Cuarbdy Pdrwj. L (OUaled1' IJBOR?, C ft]tedaty C~, a 5 Batkcartl PNrel aFpsas on Me hoot orlNa staenent nab b the perbdk roro(aj, Hie pedodk rates wtl romespanrtbg ANNUAL PERCENTAGE FATES may wry quedaly orb trey Morease or decrease based on Ise stead brKes, as famtl M Tha Wall Sired JwmaL pLS Ilse rttagYt prerbusly dlsdosed to yes. Ttesa denges wll be efactlYe m the that daY d Yurr Utltlng pedod eovestl Dy Ywr pabdE arolemall eMirgl h the months d Jenlay, Atli Juy end Cctoba. c. Itlhe mtle DAAOrtMly Pdrtei, F fAbndip UBOR't a iTreasury LIBOR) appears on the lmri d Your satemed nod b he parlodk roe(s), !M parbdlr. robe and careapondbp ANNUAL PERCENTAGE RATES rosy vaq mndhN ontl reY Increase a decrease based on the sided bdcos, as fwM b The Waa 9frad Jouma, pbs the margin previwsy tlisdwed b you. Thine charges WO M efeoHe on Math day dywrbfNY;p period each rtw;M. 4. AsswameM d Las. OvafYntl and ReWrrrod PWrrera Foes lhtlaz IM lerrrm d your cuabrter a-ureemed, we reseuve Me tlgM b rsWe or nd to assess any lass vvNMUt pda ndlkatlat m Yw waMd weMrgl as dgM b assess the same a aYrYarbes a a later Yme. 5. NJarrrbaraltlp Fw arM Rsnealrtp Your Attaei. N a mambazsNp tae appears m f,ls srotamxi, re W 1 emda the fw C you requeal to ebse Ywr aceamt vfihb :a0 days ame nnding antis stdenent. Vw may cwtkwe to use fie accwd dudrtg IM 00 day period befwe Your le[Nea1. If you do nd pay eN dergm owed on tea eaa~wtl with in 00 aeys, nr H yes use ywr credit card or ecooatl aNeryw request to cbse, sty rtlarbazahlp tw prevlwsW waWrd trey be rdrataetl b Ywr eccolnl 0. Cbsktp a 9usparrdrg Yow Accwm. You meq request the ywr accwd be closed by cdNny a wNing wr Cualemer Reffitlan Depaarenl. N He Ikra d ywrroquest. ere rAl prorkle Yw wilt adtlNMa ddeb wl cbsing Ywr accwM. Thh rreq Mckala peypea Niometlm. tt yes use pour petlN Card a Merges post b ywr a.`calM gYerYw ask us b dose yorr:cmunL wa Cat keep Yes xcwd open a raopai t YJe may drse or suspend year accoud orb pour dgM b dMb eredt Ws nay do Mls a1 aryy Itre end to any reason, eve N Yw are trot b defeua. A suspembn d Ywr eccwm cat be pertrened atertyomry. N Ywr account Ls dosed a wapeMed. yes rtust abp using your ar4N wrtl and accoutt. Yw must oho caned ant pwutletlzetl bprtg arratgeneris b Fs ecaaxtl Ws ufl nd tlo MIS h%yes. If we close a pemeremy wsperb ywr accwd, Yw must also desboy e1 credo cards std eccourl eu`wss checks. Yw must st%1 paY aN emotnls Yw owe us on lie accwai, era! % they were Mayed mar ywr accwnt h cased w susPazbed T Maldrp PeYrrtanta. Paymeds yes rtml to us W A be eretlaed to you accwd m dtM Mslress tlq we recdre a. provided r?j you sand Ilse bofom podbn d this stlemant and ywr check F the encbwd ramllanw erwaope ant i2j you payrrwrtl b recaved b oa Itlxwsbg cede by 3pm ET {+"e nom PTj. FWase clue at [east sae (5) W sines days ha pastel tlaYrery. Peyrteric receNed D'1' us at sty olhaz laabn a b a7 dhaztortn meY nd ire credaed es a tM day we remlve teen Ou buslnesa days ere Mwcey Htmugh e Nolke Abwd Elecbmk Chock CmvarsioR `Nhen yes PmrJde a chest es ps`yrlreri, yes a:thorizn us eaMr to uw infomeam Iran yva check b mace a meAtre abtlronk fund transfer Iran Ywr deposY accwa a to process tM payment es a snack transedlnn. ester. wr use iriormalw from ywr check to nroka an elednaic fund Iranster. Mtds troy be w%Mrown fmm ywr depnaf eccowt as soar as tle sere day we receWa Ywr payrted, ana yes vdq nd raceWe your eMck beck tons your mends InslNdkn. Yoia adhndzegut is nd tlnelad bI tM dab on the chick. We may mwtcit and eladranlcaW calHct IAUmed psYr*raib. 9. Bantaryttq. I1Yw are edaled to banknyky prdetlkxs Ia your accwli. MB wmm:awtlw; k w4! tw iitfumabnal q:ryases. a tb na en elerrpl b coxed, assess a rocover e des a dam. Do nd send erry pe/rret6 dkadlY to us wWwd spaekktg wNh Ywr beniuuplcy cooing a th ear#mplry court N you ward to rnmxY ua mod Ywa accoud a yes%bedwp[cy pr4reedrtg. pease Mrs pest aHamay ranlad us. [BILLING RN3FPTS St1kf.1ARV Qn Ceae a Erturs a dleslons about Ywr BN) tt yes Mnk your bat k wag, a %yw need more Idwrrelon on a trensadbn w bpi. was 1n us on a separate aheW as soon as posalhte at Ma address to Inquties storm wt 1M rata of Mls sletarent we teat hearfnmt Yw na later 7~at OD days ale ere sad yes Me fYSt bW on which the arm or probbm appealed. You cal ceU olt custarer RetBttrllts rbmba a nary us by anal a websNe, Dot doing so wi nd preserve yaw a9Ms. In ywr tetra, gWe us Me fallowing IMorrtelim: ywr narte ant eccwm narba. Me dole areud d Me suspected error, a tlesaipl4n dtM era and en expMretbn, l poaslbla, d why yes believe Uere k an emx; a Myw need rtire Merrrelbn, e dascrlptbn d1M aemyw as unsure aMd. Val do nd hwe In feY airy amoud b grestlon wtib we are breslyating k hul yes era sIN ealgeled ro pay rte perk dywr bYl net are nd in quesgon. WMIe we inresti~te Ywr quastlun, we cermd repwt qw es tlakquazi w 4k9 sty ectlnn b c[Nletl IM arteunt yiw wastbn. T Spada Fate Iw Credtl Card PW^MSas If Yw have a proaam waF tle aN~ky d prgsaW or serMCes Mat yes pukhased stets a u'redN cold end you have hkd In goad falh to dosect the prdtbrti wtlh the mercham, you rosy aces the dgM not fa P% He rertranYtp mesa tlue on the propady d savlces. Vw Mva rte pruledbn any Wiazt IM purMese price was rtore Tan F5b.00 std IM purMece wee rtece k you Mr!e alder a wHhb 100 rrtlea aywrrtetlkty atldrxss. (If wa own a tpaae tM marched, aN sea meted yes he a1YBfhelreM bf 1M properly a aerviCea, as palChae9a ale weed regantlesc d amoud alocation d pumhasal Please rerrerrEa to slon a0 carespoMenw. t Cosa ref aplYy b tsrsL'ress acm;mrs CapDa One siQpocs 1lYarretbr. pdvary plobclian: see wr rreDSNe a YAYY.'.csMalone tom Cep%a One is a federsNy ragistarod saMw rterk a Crprad Otte Flnentld Cwpudlon. Aa egos msr%ved..g 2008 Cepael Ona Changing Address? Address._._ ....................._.............................................................. Home Phone._._ ....................._._._._..............................................._._. Alternate Phone._ ..........................._._._............................................_....... E-mail Address._ ..... ......... ...... Please pant address or phone number changes above using blue a black ink Not quite ready to make payments online? No problem. Follow these simple steps to make sure ® we process your payments smoothly: • DonY staple or paper clip your check to the payment slip. • Be sure to use the payment ernrelope that came with your v~ 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. 500014 avharsJn,nau.waf/et7 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 hereto help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. i2J 2(1(ll ('aPital (her. C'alnfal (2ne it arir/rrally rrKirtnerJ rrruice mar{c All nghzc rernaed Page 1 of 2 t-1i00.903-3637 j~ www.capitabne.com i Jar.1B - Eeh.17, 2010 37 Sys in Bung Cyde ~ i ~ - -.' i MASTERCARD PLATINUM NEW BALANCE 53,951.35 LATE PAYMENT 1NARNINCt d we do nu receive your mininum paynent ty your due date, %XXX•X)0(X•XXXX-7972 ~ ~Y bare ~ P~ a 339.001ate tre aid your APRs nay he inveased up m the Pmatry APR of 29.4096. Credit limit: 53,500.00 Cash Credit limit: 53,000.OG Available Credtl: 50,00 Availade Credit for Cash: SOHO Previous Balance r~ ~ 53,815.69 _ ----' Payments and Credits Fees and Interest Charged Teattsactions New Balance i~__~ ..-'' ~__-~ -SD~00 - + 5735.66 J + I SDAO i = 53,951.35 ~ I ~. ,,, ••. ; ,. As previously disdosed your promotional rate has et¢rired. As a reminder, the rate ~ that now applies m new and e>ostira~ Pud)ase & Balance Transfer balarmes is a ~ variable rate anreMly equal to 12.9%. This rate is also disdosed in the'Interest i Charge Caladatimt section of this statement. For more in7ormation on how variable ! rates are calarlaled, please see the hack of you statement i -- ---- i TRANSACT{ONS ___; i PAYMENTS, CREDITS & ADJUSTMENTS FOR ROHAN DOOKHARAN $7972 i I FEES ~ 1 ~ 7 FE8 PAS' [?UE FEE S39.OC j Tutal Fees Tlis Peri,d 539.00 i TotlFeesThis'fear 5177.00 I TransaRions mntirnre on page 2 Help is Available. Just pick up the phone. tall t-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION You Armud Percentage RBDe (APR) is the ararud interest rate on your acrnud. Type of Balance Mnrd Pereentbge Balarroe Subject to Interest C e Rate tAPIt) Interest Rate Pur:hases 29.40%0 53,87G.98 596.66 Cash + 29.40%0 ~ SO.OC I 50.00 PLEASE RETURN PORTION RELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONECOM TO MAKE YOUR PAYMENT ONLINE. 1 5178057288$07972 17 3951350100000714008 `~a Account Number: 5178-0572-8880-7972 Due Date Naw Balerrce tt2;;:=;~;r P4y:rc-;.S Amount Enclosed ~ --- ~ I, ----- ---~ r- r ---~ Mar 14, 21770 j I ~ 53,951.35 I 5; t~ii : l '- :\~~T:\ :C'.'. ROHAN DODKHARAN 2 LILAC DR nECHANICSBURG, PA 17050-3169 •nlullllhl~lll•4111111r~IIIIIIthtlllllll~IIIrIIIIIPrrllllll Take advantage. Take control. Manage your aaount online at www.cap'ttabne.com • Make payments • Review accountinforma6on • Manage your account in privacy Capital One Bank (USA), N. A. P.O. Box 71063 Charlotte, NC 2E272-1083 nlllll~lll••ntll'4'hllul••Ihlhr•II•I•III•tl^Illdld•Inl Please make dledcs payable to Capital One Bank (USA), N.A. and mail with this coupon in the errclosed envelope. ROHAN D40KHARAN Fbw can I avoid paying IMererst Chases? Each month you pay your "New Balance" in 1rJ, you wgl have a rtirnirurm grace peiotl W 25 days sill ro interest charge wr ai new i ) purchases, 2) balance transim, 3) special purchases and 4) other charyes. if you have been paying your a:coun: in full whh ro b:ees: chwges appfed ell ywr do rot pay your nentt b01 in id, pruratetl ksterest charges will bE asznsed. There h ro gate period on cash aAVancn, special transfers, ur on any neat/ trzrnacibn sVhen there h zn repaid Dalarc.e from a ptriuus Isis. IbvV is the lra«ast I]tarrx applledT Interest dsarges accnx from Me t) sate of the nemaction, 2) dare the transaeion h pocessetl a 3j first calendar day M the biinq petioA. Interest cheges accme on Beery unpaid amount until i; b paid in }u1. Thh means you may owe rot charges even B gnu pay the enfnr "Now Baance" one month, but 6d roe do w fur Me prcviuus month. I)rpaid interest charges are added to the proper segrtant o! pour Account. Hwverer, we nssewe the right to m: assess interest rharyes at ang time. [A you assess a htiMsun bter.st flaesr7 Yes. A miMmnm INTEREST GWKE of fD.50 null be assessrtl }or each Cling period yore accourn; is subject to an krerest charge. Fbw did you CalcrYate the Inter t rharoe7 There are several cakrdations:hat are reed to detenrlire you total kntsest charge. t. To ge[ your Dilly &lance: For each segment, 1) take the bgiming balers all add in new aamactions and Me periodic interest charge on ;he precious days balance. 2j Suts:ract anp paymems and cretlhs}or that segment as o! that Aay. The reslsh is the dais balarce frx each segment Hosvrre, if you Paid your prviws morlM's baler n fuB (pr rF your baance was zero w a credR amounO, raw tremxtbm which punt to your purchase or special purchase segments are rot atlded to the daiY balarcn. Alw, iremactbm that are sriyjett to a grace period are not atlded to Me daffy balances. 2.7o fintl veage DaiF7 Balance. it atld the daily balances wgether and 2) divide ;he oven by the number Pf tlay: in the biting cycle. 3. Essima;e your Total Interest Charge: t) mrsltipy your cage daily b~ance by the daffy pebdk rate and 2j mukipFj the result by the ranMrer of days n the bi8irg periotl. NOTE: Dx to mulling w a nlinkmrm imeresi charge, this caisNtion may vary fmm the inrercst charge actuaiy assessed. How can rty variable Mental Percemaoe Nate (APfiy cMnge7 Your APR may inrrcase nr decrease based on one M seen =.tandard indkn repvnetl in The Wa1 street lormal. To!id ssfuch index h used fur yen account, bole f u a code (P, L, C, 5, U or F) on tin front of thh statement next w the APR(s). Then check:he:able below: Gtsde oast to your Mnuaf Pnrserrlape Rate (M1t) Indent which you raoec am based on Wtran your Mrasal Percatstage Rate win chmge P OuaAay Prim+nrrrgin pwiausly dsclo»d wyou Thefast my dflo L Cuartery LROR -magi[ porbugy diaclgcad w you biting periods lhd C ruartarN CD • margin pairody cfisclocad b you and b January, April. S Efrnkcad Pdnra * margin previously dicdocad b you July and October. D MonMly Fdme nagin pevioudy disdosad b you The first doy d wch F MnnMh LIBOR .margin prrrriuvaly diccbcad Cs You rtmMip hT g G ' tsa~ry LIBOR .margin proviourdy diaiosed b you period. Me there asaxlated vvNh my accaed7 Yes, rmdn certain dreunstarces, you may De assessed a Late or Retumetl Payment Fee. You may aiw be asseaetl overBmit fen if you have chosen to accep ;Cam. We reseree the fight to rot assns Errs without pion rotke antl avithout warvirg our nigh[ w assess a sita7ar fee Nter. Fbw can 1 C-lo.. My Mrrs~.sti Ynu may close your accamt Cy railing or wi;ksg our Cantoma Relations [xparmmr At Mat time, we vrd provide adtlhional tle;aih inrludig yyment iMonriatinn. if you use ywr credit eartl ca charge post to your account after you ask sn rn rose it, sue can keep you acronmt opera VYhat happens K try ~7 We may close or suspend you accoun[ and our right to uWain cre~: et awy tktrc antl to any Hewn, even M ypu err rot b defaWt. tvcount suspension can be pemseramt or temporary. if purr account h cb>ed or wspmtled you roust i) stop wing you credit call and account, 2) :ancN a1 auwmatic payments, 3) des*.roy all crerf[ cartls dad accns dsecks, and 4) paq ii anxarms you Dune us, even d MEy were charged after the xcoun; was dosM ar suspendetl. Fksw do I Make PByp~y,7 paymenb you nri to us vii Ce cre4tM to you account as of the busness day we receive it, as long as: tl you nerd the Dotwm wrtbn of this s;atemerrt and your check in :he ercLnsetl reminarce Mvekape, and 21 you payment h received b one of our pncessing centers by 5pm local time. Please allow at least (7) business tlays for roes delivey_ Maard paynxnn rerrkretl M rn at arty o;he loredon or in any oMe fumt may rotbe aadiled as of the dap we remive them Do you Axes Paper CMcks as an FJacnorac f-seak Trasferi when you pmvide a drrclc as wymeM, yw authtsrize us antl our agmn ehher w uu knformatbn from you clack to nsakr a oneefrre ekctrwric ford tranrerfmm you deposit account or to pot ss Me gyment ass check transaction when rrc use iMrnrrration from your duck ro make an ekcoori turd trMS}er, fonds mar he vnitMrcssn from your deposit accosxrt as won as the same day vvr eroe your payrtant and you wit not recewe year check back fmm you finarrdd irstitYtion, Your auModzatbn h not 6Mtetl M the date on Me check We may rnubrMt and ekctmracaiy colect Me rehwiretl paymM:s. Wlart M I file for ~MOSrotM I} you are anthill to barrlwpry protection, Mb comruricetion h for irdomwtion only, r, is rot an attempt to coNect, risen or recover a debt x claim Du rot nerd us payrremn svkhout speaking with your bankrurY.cp attorney u tilt BaMUUpcy Coat. d you a you attorroy swultl kke to contact our banknptcy c4airs sewictt drrcty, please contxt: Opital Orre ~ PO Wx 85167 ~ Richmond, YA 23265511.77 ®w7~ wr,Nrs wMMARr 1Dne:Not apply to smau Bna:,n. Acctwnn) What To Do I} You 11dMC You Hnd A Miyake Dn Vou ftaterrerrU If you Mink flare h an trot on You statemM[, write to rn of Capitalrase P.J. Bpx 3D2&5 Sah uke Gtp, UT 84130-D2~i In ywrlene, give us tfse fobwirg infrmna:ion: Account irtonnatwn Your name and a¢oun: nunber Wllar amount TM dollar ar;rorsni of the wsprtetl error. Description M Problem: ff You Mink there is an error on your hB, describe subs pas brEae is wrong end why you bdine h h a mistake. You rmnt :ontact us sviMin 60 days afar dye error appearetl on yom S:NemeM. You meat notMy us of anp potential anon in writing. You may call us nr rot8y rn by welssite, hln'd yore do we are ro[ required to investigate arty potential errors and you may bare to pay the amoumt kr queuion. While we investigate wfreMe ar ro2 Mere has lyearn an error, Me foiowsng are true: ' We carrot try to colktt Me amoum is tlraatbn. or upon qms as ddnquent on Mat smart. YOU do no; creed ;a pay arty Q pentad amounts and related interest charge or fees umd ere send you a rorke about the outcome of our inveaigation. The charge in question may remain on you statement, antl we rosy continue w charge you interns on Mn arrrwrrt. Bart, i sae tle[errnkr. Met sue mall a rtrhtekr, you sv'd rot hive w pay Me amount in presdar or arty interns; or other fees Mated to :hat amoum. ' yYlsie you tlo not have w pay the amount in questiorr, you are responsisle fur the rerrrairrtler o} yore balance. We can apply try unpaid ar t against your Greif: Gririt. Yow Wglsb M You Mr Dissadsfkd WIM Your Gedh Card Prrchasts. C you are dhsatisfied with the gooM or sealer that you have pudrarrd will pour crsMP, card. and YW Mye irild ks good faith w mmect the probkrn svhh the merclram, you may hive Me Aght not w pay the krirg amoum due on Me purchase. Tu use Miz right. ai oY the foiowing meat br rote t. the pm:hasr neat bare been rtratle in your horse state a witltirl t 00 main of your curers rnaiiny atltlrea, and the puchase pica mu: have Cell more Man f5O. (Note: Neither of these are rocessary if your puchau was bssM on an aMwtisemmt vve mated to you, x it sYt aan Me compemy Met sdtl you the goads or services.) 2. You rtwst have uud you crab[ card Tor Mr purchase. Puchases made with cash advances fmm an ATM Gr will a check drat acreaes your cretft card account tb rot qualify. 3. You must rot yet have t Wy paid for tlr puchase. tf aH of Me cdteda above are treat end you are slip rissatisfied ueM Me purchase, contact ra it wtitirq er fadtal One P.O. Box 30285 Salt Lake Citp, UT 84130-0¢8,5 While ssa investigate, Me same rnJes appFf to Me disputed amount es discussM above. After sx fbhh ou invntigadon, we VvW ter you our decision. At that pobt, if we thiYc you owe an amount Ord you Ao roe pay we may report you es del' quint. capful One srppwh idartrtion privacy pro[ec[ion' see our website at nnnvsapitekrnemm Capital One is a fetlerz8y registered service many of Upital pre Financial Corpwatim. N fights reserved E' 2010 Capital Orne iC ir8 Otr3gl0 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 wee 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 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.capitalone.com ~' Psge 2 of 2 1-800A03-3637 (-- ------ ~ www.capitabne.com I ~ Jan. 18 -Feb. 17, 2010 -- --- 31 Days in Riling Cycle ~ i ! i i MASTERCARD PLATINUM XXXX-XXXX-x)00(-7972 Credit timir. i S3,SCO.CO i f ~ NEW BALANCE :v;>;r#:$~;bcz~v~~; :r~~~".. i ArailableCre~t: SCOCiI Cash Credh lnnit: S3,CCG.CO 53.951.35 ,~',?:#.u :§sr'#a.2?t"fC AvailaNe Credit im Caslc: SC.CC ~ Previous Balance ~- Payments and Credits Fees and Interest atarged Transactions New Balance 53,815.69 1 i ~ i \ 50.00 -, + ( ;135.66 l _ ~} S-- ppp -~ _ ~___ J ,_~ i 53,951.35 i --- TRANSACTIONS CONTINUED ~ INTEI~ST CHARGED ~NTeR.St CHARGE?l!RCHAS~S 596.66 Total !rgerest Tis Periacf 596,66 ?alai !rtterest This Year S ; dC.62 Your account has gone over its vent limit. io avoid additional overlimit fees, you should pay more [hart the M'arimun Paynnerr[. Please pay enough to bring your aaotnrt b~ance bebw your vedit limit immediately, and make sure your acmurd balance rnnains below you vedit limit Pease be sure the amotrd you pay aaounts for arty furore pudtases, fees, and finance charges. You were assessed a past due fee because ynra minimum paymerrt was rmt received by the due date, ro avoid this fee in the future, we retammerd that you allow at least 7 btainess days for your mitamun paymerd to read[ Coital One. wbsCs !» your welfare 500Dt9 IT'S TIME TO TAKE CONTROL OF YOUR DEBT. WE'RE HERE TO HELP. Even 'If we report your acwunt as charged off, you'll still be responsible for paying your debt. So why not call us to see what we ~n do together to keep you from receiving such a serious mark on your credit record? Please contact us to find a solution thaYs right for you. You can make a payment with our fry check by phone service or speak to an associate by calling 1.800.955.6600. Make wre you :all or pay tFe amount due on your statement by the due date tc elimirtate the risk o1 being charged oft. ~ 200'J Cayiral Unr. C'apira/ Urre i; a frdrrallf rrgrsrend rm~in »;ark Ali riglrr. rrmrcd Page 1 of 2 1-t00.90.~-3637 ~--- www.eapitabne.eom ~ Feb. 18 - Mar.17, 2010 28 Days in Rifling Cyde ~I ~ -- MASTERCARD PLATINUM )(XXX-JOOtX-Xx70c-7972 NEW BALANCE :t#:e;,.?tib".• £,A~~;?~;' OUE #tATw $4,OB0.54 ::r".~3,. .~stY,rFv w"<,0. Credit limit: S3,5W.00 Cash Credit Limit 53,000.C~C Available Credd: SO.OC Available Credit for Cash: SO.CO MNiMUM PAYMENT WARNING p yp: make ordythe rminum payrrcent ead; period, ynu ~, rril pay more n ir4erest and i tall take you brge m pay oN your balarKe. Fa exanple; I Payment Ama,m Each Period N No apponraam tree to Pay Off Estinatad Additional Charges are Made s[mmrent Balanrn total cost Minimran Payrrerk 24 Years 19,97,4.52 R you would ilw infwnolion ahoia reedit ca:nsefarg servoes, rap t-988-326-8D55. IAiE PAYMENT WARNING If we do nu reaiw your rrirsrum payrrmt 6Y your are dale, you may have w pay a 339A01ate fee arc your APRs gray be increased up b the Pmaky I APP, of 25.40'6. , Previous Balance Payments and Credits Fees and Interest Cfiatged Transactions New Balance -~ 53 95135 -_ I _ ~ SD.DO II t 5129.19 + I 50.00 I - ~ Sq,p_ gp,Sq .., , ............. ,.... , .. S:iu:;;:.. .........: .a..... ......xf TRANSACTIONS ,i PAYMENTS, CREDITS & ADJUSTMENTS FOR ROHAN DOOKHARAN ;87972 i i j FEES i t ''~ 5 MAR ?AST DUE FEE 539.00 Total Eees This Period 539.00 j Tvtal Fees This Year 5156.00 { r I INTEREST CHARGED ~ INTErTESTCHARGE,PURCHASES i S90.tg i Tnt~ Interest This Perivd 590. i 9 I Tvial Ircerest this'fear 523C.St '~ Transactions mntinrre 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 Arerual Percentage Rate (APR) is the amual arkrest rate on your acootatl. Type d Balance Annual Percentage Ralalwe SubjeoT to Interest C e ~ Rate (APR) Interest Rate Purdrzses 29.40%D 53,993.80 S90.t4 Cash 29.40%D I SC.00 I 50.00 Po_EASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO V1NVW.CAPITALONE.COM TOMAKE YOUR PAYMENT ONLINE. 1 5178057288807972 17 4080540100000883001 `~~- Account Numkrer: 5178-0572,8880-7972 Due Date New Balance Ct:.,......... ;•u:,a... Amami Etrclosed I Apt 14, 201 D SQ,D8D.54 i j ~3;^~ ^. ~ I ::v:..., ....,. ROHAN D04KHARAN 2 LILAC DR hECHANICSBURG, PA 17050-3169 Illllr'Ill'11llllllllllllllhlll~rll'Il'IIIIIIIIIIIIIr111L1nr11 Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments • Review account information • Manage your account in privacy Capital One Bank (USA), N~A- P~0• Box 71083 Charlotte, NC 28272-1083 nIIlPrlll^nld~h~hlllllrrllll4^Ilrl•Illrll°Illdlllrhll Please make ~edcs payable to Capital One Bank {USAI, N.A and mail with this coupon in the enclosed ernelope. ROHAN DOOKHARAN Fbw can 1 ardtl paying IrrweYt CharRes7 Each month gnu pay your "Merv ea6 rce" in fry you wi have a nrirrmum grate prrwd of 25 days ardm no interest charge on a1 nrw t ) purchases, 2) balance tramfm, 3) special purchases and M other charges. tt you have been paykrg ywr account in full with rw irere:t chwges appied and you do roc pay ywr pat bit in fsrB, prorated b[ertst charges will be as=.ased. there h no grace period on cash advances, special transfers, or on arty rrw trama:tion sMen there h an tmpaitl balance from a previws bil. Fbw Is the Interest Oseroe app1ed71nteres[ charges accrue from the 1) date d the ttamaction, 2) date the ttansactlon Is praxssed or 3) tilt cakvdar flay of [he Oiling pedod Intaesl charges a¢we w every unpaid amount until f is paid in fri_ This m ceps yw may owe merest charges eaen'r% you pay [he entire "New Rsknce" one month, br. dd mt do» for the previws month. Urapaitl interest charges are added to the proper segnxnt d your Accrsar[. Naveeer, ave reserve the dght to rent assess interrx rhargrs at any tiro. Da you asses a MlMmrn es~~~n fs.+rv.7 yes. A mininum INTFIfST t]sA~E of SD.SD aHl be as>essetl for each eiirg period yorr accwn; is suDjett m an interest charge. Fbw did gar Calc ate tfra Inr.rrst [hama7 TDere are sevEral cakrAatiom that xe azsed to detemrine your total nteest dsarge. +. To get you Caily Balance: For each segment, 1) take the bepming haMsce and add in peter traroa<tbns and tM palodic iniernt chargr r.re :Ir previws day's halrsce. 2j Suhaart any payments and credits for Mat segment as of tha! day. the resrrft is the tlaip DaWnce for each segrtrart. Mowaa, p you paid you previous month's Lulartce m tdl rot a you baance vaas zero ur a credit amountr, new ttansactiom whkh post to your puchase a special purchase segments xe rw; added to the daily babnces. AM, trerwaiom that an srrbject to a grace period xe cwt atltlad to the daily halasces. 2 To lid ywr Average Daly eabrsce. 11 add the dairy Gknces rogetha and 2) tlrvide the wen Dy [he rwrnDer of days n the burg cYrk. 3. Esrinate your Total Interest Chargr: t) mrMipiy gar aeaage daffy balance by Me daffy perb6t raft and Zj muhipfy the rewlt by the rnrMa of days in the bprirg period. NOTE Drr to mulling or a minimun interest cturge, fhb calculation may vary from tlse intern[ dsarge actueny assessed. How can rtry radaDle Arxr,ai PerteMaart Hate (gP10 clwaget you APR may increase a decrease based on one d seven snMad in6ces reported in the Wap S;rce; yormal. To lid odvch kMEx h used tut ywr arcosnt, bole for a code (P, L, C, 5, U or F) on tlr front of fhb slatertrnt next to the APRrss. Then rfieck !ha !ahM helnv Qde text to your Mnual Parcersfege Raze (APR) Ntlex which your rare: ere based on 4Nwrr your Anrual Perterpafe Rate sMp chrsga P Ouwkrty Rine + margin paw+wsly disclosed b you The first day d fie L Ouarlaty LIBOR - rtwgin previously discbsatl b you biping Peiods faL C t;~taderty Ca + margin prewirrcly dicckxwd b you and'n Jarwary, Apt, S Etisrkeard Pdma + magin praianfy diedosed b qw JWy xd Ouioben. D Monthly Fdrtr + r, mrgin Pravia+sM disdased b you The fist doY d eacb F IAmthlr L~R + margin previoraly a¢bued b you rramppy Iraiy G Treasury L[+pt+ magin presbusty disdosal b you ptrisd. Me SAM! ApNgnrYl Feex aasocta[!d wltll my a[[oarrt7 Ye; uMer ClRain CiclmRnKa, yw may be assessed a Late or Retumetl Payment Fee. You rosy oho Be charged ovedkrit fees it permitted by law• We reuwe ;he dght to no[ assess tees withw; prior notice and vvidawt swivksg ou right to assess a Grtrilxfee Wter. How can 1 [lose hat arrrr.ee7 Ynu may cbse your accam[ by ralnng a wdikag oru Oaeoma Relations [xgarrrrnc At drat tint, m wi provide adtliti;mal detaih including payment rrrtortnatiort If qou use gar credit card a charges post ro you account aha you ask us to Arne it, vm can keep your account open. What lsapPera N my!~couM Is a•_.r~7 W'e may close or suspend you account and yaa dpht to obtain crtdr, at any tine and fa any rtes»n, coon h yai an cwt in tlefaWt. Account wspemion can tr permarrnt or temporary. M you attwn; b closad or wspentled you roust 1) stop using ywr credit card and accan[, 2 j cartel aN automatic rayments, 3) destroy all credit cards ape a¢ess checks, ape 4) pay cep anwunis yon owe us, atren p may war charged atta the account was closed or suspadud. Froav do 1 hMke Parmwrfs7 Payments yw map to us wfll De aetlhed to you aaamt es of the business day we receive rt, as bog as: t 1 yw send tfr Dotrom portion ut this natement and you check in ;he ersknetl renrittarrce erwekspe, and 2f your payment h received in one of our processing centers by 5pm local time. Mease allow a: least (7) business tlaysfor mat depvery. Mailed payments received by m at arty other bcadon or is arty odser form may r»t be :retlRed as of the deg eie receive [Isom Do you Rotes Paper Chocks as an ~T When you provide a check as payment, you euhodxe us and ou agents eidrer to tae iafrmredon from you check to make a one-titre ekctrorrk Lund tnmfa from you deposit aaount nr to process the payment as a chack;ransarion.W~en vie use idarrotion from roar dreck ro make an Electronk full transfer, fords may tr whhdrean fiam gar deposk accoun as scan as the same day vw recerm your payment and you wif not remve gent chak Dddc from yorr finarrial institupon Your authori:adorr h rot itdted by the date m the check. We may resubmit and ekctranicapp cvpect dre reusmed paymerns. What h 1 Hle for Berpvseotcr7 N you an endnkd to barrkmlm:y protecdon, Mis mrnxrkarwn is for kdarmatkm uriy, r. Drot an attanpt ro coped, asess a recomr a debt a claim Do cwt send us payrtent: avithart speakkrg ariM your Wrrlouptq attorney a [M Bankwptcy Court. p you a you attarrey wwtl l~h ro contact nor bankruptq claims services 6rccdy, pleau cnrlteri: CapitN Orr ~ PO pox p57p ~ Ritdrmnd, YA 2326%167 BILLING RIGHrfi SUhM11(lY (Does Not Appty to Small &nksess Acrwnn} Who[ To 4s If You Thid[ You Flyd A Ml~alte On Yar StatevreRL N you think :rare b an r nn your siatemem, vwite to us at Capital One P.O. Box 302&5 Salt Lake Gtp, UT M'.30-D285 In your IMa, give us the fobwkg information: Ac:oant infomwtiorc Vwr name and eccourt rarnDer. Dnpar amount 7M ddw amwmt of the wsprtetl eRw. Oescdption d Problem: p you :lord[ tlrre is an svror on You IspL tlrsrdbr avhx you bepeve is urrorg and vMy You bepne D h a mistake. Ya, pant aorstact us within fx3 days after the error apperrrd on you sta[arxnt_ You pant notHy m of any pntmrial errors in vvritirag. You tray can us or rwtpy us by rselnite, but p yw do vvr are rot required ro irrestigarc am potential errors and you may have to WY the atrwust is question. W hie wen irwestigate avtrther a mt Mere Ms Dren an mot. dre fotlonhrg art true: Wr Dona[ LeY m rolect the amount ti question, or reyson you es tlenngrunt on that amount. ~Yw tlo no: need :u pay arty deputed amourah and rebted intact charges or fees umn we urd you a rwtke about the vutcnnae d oar:arestigatbn. • TM charge ks question may remain on gar statement, ant we rtray coniirxr to charge pu internt on that arrwurn. But. p aw tletemir that rr rrgdr a rtllahtr, you wa rw; hereto pay Me amourt in ay,esdon a arty intern; or oihafea related to :hat amount. Whie yw do not ham to pay the ara,ust in qurs6oR you am reslmnsaNe to the ranairda of ywr balance YJe ran aptly try unsaid aRwunt agaimt yaa poll[ kmit. Yore PogMs HYou Are Dissatlstkd Whh Year Crrrpt Card F4rdsaa. p you are dhsatis'.iM wiM the goods or urdca that you hem prdus iwidt your crM: caN, and you have Gird in goof fNeh to correct the problem vahh the rrrrdaam, you may hwe the right not to pay the ~reng arwrnt due an the purchax. To me dris dglst, at d dre fvpowing mint De twos t. Tfr puchisr Rlnat haVE been madE in Ywr Dort! wlte a rritlshr 10U fnia n} ywr CUIIC11t nraing atl6es, and the parchau peke mot [save bent more then SSD. (Notts Nehha nt Nose are rrcrsvry p you purhne sws hoed on an adrestbanm; vrt moped to gnu, or if ae own the conparry that »kl you the goods or serrkn) 2. You must have uud you credit card fa the purchau-Purchases matlr with cosh adarces from an ATM a with a deck that ac ses you oedh cab account do cwt quanfy. 3. Yaw must mt yet have ropy paid for the purchau. If cep d the criteria above em met and pas au stA 6ssatisfied with t1r purchase, contact us in writing er Capi:al One P. D. Box 302 Soh Lake Glp, UT 8413D-0245 Whir we investigate, the same raves appy b iDe d'opned amamt as discusud shove. gfta the firmh ou irvestigatior~ yen will tell you oar decDiarr. At that pain, it we th'vslt you ase an amount and you da not paY we may upon you as defnquent. Gpital One supports iraforrtbtion privaq protection: set our wrbsite at awvw_cepitakme.rnm Capital One is a fedaapy eegistered servke mark d Capital Ckr Financial Curpraratirm. All rights rnerm0 Fj 2010 Capital One rc-Da D3AtJto Changing Address? Address ........................................................................................... ........................................................................................... Home Phone ............................................................................... Alternate Phone ..............................._.......................................................... E-mail L~ 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 enrelope that came with your statement. Using a different efrve%pe mold delay processing. • Please don't include any additional correspondence. • last but not least, be wee 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.wpitalone.mm Page 2 of 2 1-OOOA03-~37 lam- ~ wvvw.eapitalone.com ~ Feb. 18-Mar. 17, 2010 18 Days in8iiiryCyde~ ~_-- MASTERCARD PLATfNUM X)OOC-»OCC7t-7000(-7972 ; Credt limit: 53,500.00 ~ I Available Credit: SC 0C NEW BALANCE :t;^r#:rii:r t'~Y~~?~" [:~iw °,. Cash Credit unit: 53,000.00 $4,080.54 5~::..?.,R' "~.:, e C 20f,:^: ` Availatle Creditior CasFr: SC.00 ~ Previous Balance ___ Payments and Credits Fees and Interest Charged Transactions New Balance , 53,95135 ~ - I r--~ 50.00 ~ i f29.t9 + f __ + ~ SOAO o ~ _~ 5,080.54 J _i ~_- _ - (TRANSACTIONS CONTINUED You were assessed a past due fee becnrse your minimum payment was rrot rereived by the due date. To avoid this fee in ttre fuWre, we remmmerd that you allow et feast 7 business days for your minimum payrnerrtto ready Capita! One. Your account works differently now that you're 7 payments late. Please see the next page for important account information. Page 1 of 2 1-100.256-9319 j - ----1 vvww.tapitalOne.corNsohttions I Ma.18 -Apr. 17, 20t0 31 Days in BiingCyde i ; IMPORTANTACCOUNT UPDATES MASTERCARD PLATINUM 5176.0572-888D•7972 ~~ tur ~~ is due. Arty payrter4 you make wiA redu[e your balance and help pay oR NEW BALANCE PAYMENT DUE DUE DATE your debtfas~r. The armum pu ovk may rifler fi you've entered Toro a separace paymrA $4,222.80 50.E PAST DUE agreement. AvailaUle Credit: SG.00 Previous Balance Payme~ Cre~it s Few ,mod Interest Charged Tratuactions Neuy galanR , 54,080.54 ~ _ i SD.00 ~J } 5142.26 ~ ~ I -----~ + 50.00 ! j 54,222.80 ~ TRANSACTIONS _-_~_ PAYMENTS, CREDITS 8ADIUSTMENTS FDR ROH1W DOOKHARAN sM7972 i FEES 1 14 APR PAST CiliE FEE S39.OC Toth ryes This Perbd 539.00 Total Fees This'iear 5195.00 I INTEREST CHARGED INTEREST CHAk6E?URCHASES 5103.26 j 7btal Interest This Period 570_;.26 i Tatal !merest fiis Year 5334.07 i i i L--- ----------- _~I Help is Available. Just pick up the phone. Call 1-SOD-25&9319 and a spedally trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Amual Percentage Rate (APR) is the amr~1 interest rate on your acmurt. Type of Balance Mrural Peromtage Balance Subject to Interest Chu e Rate UPR1 Interert Rate g Pur:has°s 29.40%D 54,735.2? 5103.26 Cash I 29.4096 D ( SC.OC I 50.00 PLEASE RETURN PORTION BELDYV WITH PAYMf_NT OR lOG ON TO WWW.CAPITALONE.COMlSOLUTIONS TO MAKE YOUR PAYMENT ONLINE. 1 5178057288807972 17 4222800100004222803 ~~sl~~fta . Account Number: 5178-0572-8880-7972 Due Date New Balance Amourrt Enclosed ,-- - --, Past Due ; ~ $4,222.80 j ~~~I ~% ` i Manage your account online. Ysit www.capitalone.corMsolutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. ROHAN DOOKHARAN 2 LILAC DR MECHANICSBURG, PA 17DSD-3169 '1111111111111'IIIrIrIIIIIIrIIrIllrllllllll~l-lllllllrlrllrrlrlll Capital One Bank (USA), N~A~ P~0• Box 71D83 Charlotte, NC 28272-1083 nIIII1~I11~~nhl~h~l111111,.I1u1r~11~1~111~1h~Illllhl~lnl Please make dredcs payable to Capital One Bank{USA), N.A and mail with this coupon in the enclosed envelope. Vtow can I avdd Paykag f 7 Each monM You PaY Your'9dew Bal~sce° ks trA, you wi Have a mirimum ¢ace period of 25 days wiM ro interes: charge on ail crew t ) punitases, 2) Wlarre iramfen, 3) special purtMxs and 4) other charges. M you have hero paybg your accouh in full with ro etteresi charges appged and you do rot pay your next Dip in fta, prorated interest charge wig M assessed. ltterc b m ¢ace period on cash advaren, special trmtderC or on any crew traroactbn sshm there h an repaid Mkrcefrom a previous 6111. Flsrv Is the Irrer t e7same app4ed71nxres[ drarges accrue from Me t? tlate d Me transaction, 2) date Me tramactbn b processed « 3) Frst raleraWr 3 y of tfte b7etg period. Interest charges accrete on every repaid artotni omit k R paid et fug. TIr6 means You maY owe unerest charges even k you pay the emeE'Tlety Bzknce° «te month, Drr. Qd hoc do so fur Me prnious monM. Unpaid et[ercst cMrgrs are arkled to the proper segment of yore Arcmm. however, the reserve else ri~tt to rot assess imerest chargex at ary Ikrre. Do you azsex a 7 Yes. A effete um INTEIEST C~E of §U. Yl 4ri M assessed for each 6aetg period yore account's subjec! to an ettemst charge. How ad you [aIc ewe the sntrr.sf Isarer7 There arc xveral ukldatiom that arc used to determete yors rotal internt charge. !. To get Ypss f>dily BaYnu: For nch xgmr+rC 1) take Me begesiing Mkxtce and add in env traroartions and Me periodic imerestcMrge on the previous day's Mlance- 2) SrEsract arty {atymems and cradles for Mat xgment as p! Ma! bay. The resWt is the daffy Mlarsce f« each ugrrtast. Nosrwer, h you paid you previtws monM's Mlame et fWl i« k you Mlame was zero or a cradle amotatt), crew tnroartbm whklt post ro your puchax or special puchase xgmentz are rot atldedto the daay Mlames. Also, RaroacY nx that are srbject to a ¢ace peeled ae m: adtled to dte daily balance: 2. To fsd you Average gaily Baknce: t? atld the da2y balances together and 2) dbide iM oven hY the mriMer of days in ttr. 6ipkg cycle. 3. Estimate your Total Imemt Charge: ?) makipy you average daily Ddencr by Me daly perfoar rate and iy muhipiy the resuh by Me marrber of days m the bating pedud. N OTE: Drx m rotadirg « a rrirtFvun imrres: charge, the ukuladon may eery tram the b. rest charge actualy assnsrtl. Is the °Payrrmt lkce° a Pardf ArrorrtT Nn. N sta:etl anwun;s are owN on Me date pf the start . nt. Novarvw, bxause imeresC late cfiarges and other charges night cNngelmm day [o day as provitled'us you' custorrrer a¢eement. tM amoutt due on Me day you paY rtwy be larger. F« eaarnlde, a you pay [he anorsnr stated is this statement, your acroutt might sti have a Mlence after your pyment b received Also note Mst the arnorm you wye rosy arfn P you've entered arts a xlrarate payrntnt anargrmenr. %rax rap the rarmMr on tM front of ter staternen; t« an exar, payoff amwm.. lbw can my vadabk (APW dsanpe7 Yuu APR may ircrcax or Aecrcase based on one d scorn standard (nd'ees rcponetl in The W~p Street lourrl. TO find wttich irdea 6 uwd for your accotstC belt i« a code (P, 1, C 5, O « F) on the from of Mis statement next ;o the APlt{s). Then chock the table hekrw: t?otle nett toyosr Aroual ParsettEnge Ra[e (APR) brbtt whkh yprr race are M®tl on WMn yore Anmal Peromapa Rate Wp change P Guaraery pdme+ rttrgin geriutsly discband ro you The Best daY d pie L Guadaly Lp3t7R+ rssargin tsroriDt,dy discbsad ro You 6ipirtg psbds Ihaf r GuarLay cG+ rnagb wrndwsly asck>aed to raa wta ~ ~aw+a'r. Mdl. S l3adscsrd Pdrre + margin previorasly disdoaed b Yprr Jdy std Ocrobes. meryin pmkr'akr disdmed b ycxr P The first day d each F ^ Mattld LIBOR + y rTMrgM gewously aklpaad to You mmfNy biig u aaury Lp30R+msrge~ prerbusly diadosed b y perod. we eganonw real awpcratM wIM eery accoumT Yei ceder certain dreUnrtarCYS, You may fr assesseA a Late or Rrtumed payment pee. You may alw be assessed overar;it fees it you MvE chosen to access Mem. You svi oho he regrakM to pay a• of urn actual copsrtion erpens i attorneys' fees and court rnses uriess Me law does rot apow us !o collect tMse amotnb. W e reserve the right to not asses fees without prior notice and whhout waiving ou right :a assess a simaarfr_ later. What happer6 M my arc .nr,~orT W e may clou or suspentl yore account antl your right to obtain credtt at any time and f« arty rezwn, even k you are rot is tlefadt. Accotni suspension can be permanMt « temporary. H your account h cased or wsperded y«~ rmst ty hop usetg your cretlit cad and accwnt 2) cersN ail automz:k pzyr:xalh, 3) destroy all crest cards and cress checks, antl ~ pay a1 amounn you otve us, rum p Mey were charged after the ac; Duet was closeA ur stssprndetl. Now rb 1 T Paymems you mail us will be crctlhed to your accouu as of ilea Ilnvrren my we re-.eire Mem, as long is: t) VDU send Me bottom portion d dip siawrtastt and your dseck er tM endtstetl rrrrtinarce emebpe, and z) your Latynxnt h rttdredo Papal One's pocessesg cemax by Spm local time. Please apow at Itast seven (7? business dsYafaa coat rfeprery. Makd Payments received bY' Capkal One at any o!hn I«asion «et arty dlBv forth may rot br aetlrted as of tM day they are received. Do You Process Paper QseclB as an ElMrorrk Funds TransfwT When you provide a dtack as paymem, you author¢e us and our agents eiMw ;o u ormadon from yore clred m rrw~ a «te-time ekxTroiic ford transfer Conn your depodt account « to pocess the ysayreavR as a check panzldirrrt Whm we usE irrtormadon from your cMck to r:ratE an ek[Irpri trod transrer, fords eery be wkhdrattn from your tleposk accoum as soon as the same day wr recrire your pymmt acre you atip not receive your dteck ado from yore finarrcil imlWUOn. Your aushorizatbn fs rot 4ni!ed by the dale pre Me check We may rnutsrrt and ekeRairapy coped the retterod paymenss. iNfrt K I fllefar Wtrlosotcv7 If you are entitled to bamrupfcx pro!ec!iorC eftb corrsrvsicadort hfor edarmation ody, k is hoc an attempt to copecC assess pr recorw a debe a claim Do ro[ send us peYrtenn ss thou[ speakhsg ssmh your bsskrsryxcy attomeY a Mr g+doupocy Courc M you hwe quntbm about your account or Mrrkrrptcy ttra*earag, please Mve yaar aRarsey COllla[I us If you or your attorney worrM kke ro contact our Dariprpaty ciaerp senior tiracdy, please contact: Capital qre • PO box %t67 ~ Pfchnt«rd, VA29285b167 tiLllNfi NfitfT§ SUkapANY'/ tTwes Not Apply m Small tkrsinrss Arcpunn) 11VIsat To Do M You Thkic You Nnd A Mistake On You StatenFrrt tf you tMtk thew n an en4r Dn ypr.1Tatertrem, write to us at. Upiiai Otte P.O. Box 302 Sah Lakr ChY, UT tMt36p2E§ In you letter, giro m :he foluwing im«mation: Account edomtstbn: Ywr name and accorm[ ntxn6w. boyar arrowtc The delta amount o! the wspected m«. OeauiPtion d Pro6k n: n you Mink three is an enor on you hW, descd6e stftar yes Dafsve is avrtbsg and whq You Depere it is a mhiake. You mus[ contact us within d0 drys aftw de wror apLxaretl on tors sta•.errrnt. You mus: rarity us d arc/ potential errors in turhetg. You may cap rB ar ratify tss by vtebsite, but k You du we are m: required to investigax any Poters6d anon arq you may have ro pay the amourt let question. Wfvge sw ewntigate rrlurlser or rot M re has DEen an error, Me ropowing are tract We umot try ro copecc the amourrt let quesdon, or repot, you as depntpsent on that anourt. YOU da rot need m PaY any disputed pmoumv end rehtetl intwest charges «fees ump vre nerd yda • mike about tM omcome d cos invePaption TM chvge et praation maq remain on you statement, and sve may centime ro charge you mteror on Mae amoum_ &rt, if sve dClerrnere that we made a rzistake, you wi roz haaeto pay Me artorntin quesion «any interest or oMer fen related to that amwm. Whle you do rto: haae to pay the amount in question, you are responsbk f« the remaerder d yosr Mlara. You IBgfyfs M You Are Dlssatlsfled WIM Your Gedk Cartl Hsrdtases. d you are rlrtsarisfed wkn tM gooM pr services Mai yw Mve LwrMsetl wiM Ywr treat rare. arts yon haw Itlld b good faits ro rnmect the prolMem with Me merchem, you may hwe the dgM nos to pry its m:taeing atmum duE on Mr purthax. To we Mis dgitC ep of the fopursirsg must DE bur t. The prscMsr rtapt Mee been made in your home uate or wither t pD mph d your crsrnrt rtwirg atldrcs, end the puchase Lake roust hart been more Man §w. (Nmr. tvekhw of Ihese arc nerexyyy P yore prxchax eras Msed on an advertismtem we r!taied to you, or if we pater Me comparry tM[ saW you Me goods or senkesJ 2. You nwst Mve uxd your cradle card Tor the purtMx. Rrchases made with cash advarrcES from an ATM «wIM a tdteck that acctaec your crest ud accmm tb rot riusky. 3. You must rot pet Mve fray paid for tM nadsex. D ail d dx erherie a6ave are rent antl you are still d'asathfied +MM Me prmMx, contact rain writeg at Capital One P.O. Box 3t72~ Sah Lake Ufy, Ui 891361!'er6 V.'hpe vie kwesYgpte, dte same rules apply ro Me disputetl amount as discussed above Af[w soe finblt w irrrestigation, we trill tats yen our tlecisiurt At that point, if we thept You osvE an amorot and you d4 rot WY we r'taY r port you as deGtprem. I:apital pre supptsrts enormstion prhacy protrcdon: see our websi[e at www.capitabnernm UPMI One is • federapy registered xrvke mark of Uphal One Financial Corporation Ap dghts reserved f 2ptp Capital Orte TC-:p Ot?3c(•tp To change or update your address please call 1-8U0-258-9319 or visit www.capitabne.com/solutions Take control of our fin i y antes 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. Page 7 d t 7-600.256-9319 rte - - -~ ~ 3 www.capitalone.com/solutions i\ mn. z2 - sap. zt, zwo I MASTERCARD PIJ ~TINIIM 5178-0572-8880.7972 IMPORTANT ACCDUNTIJP~AiEi I NEW BALANCE PAYMENT DUE DUE DATE Yourfull hatanrn is due. Any paprert you make w0 reduce pour I balance and he¢ pap dl you debt faster. the amount yrrs uux may §4,690.79 i §4,690.79 PASt DUE direr i you're entered irao a s-paste parnent agrrrrent. I Areilable Credit: SD.OD ----- -- ----- ~ i I i Previous Balance i Payments and Credits Fees I Interest [bargefl New Balance i 54,413.01 - 1 _ ~ SD.W j -J" ~` ( 50 00 + ~ c ~ 1 5277 78 I - ` - . ` . I 54,090.79 ~ ~ I (,TRANSACTIONS ____ j PAYMENTS, CREDITS 6 ADJUSTMENTS FOR ROHAN DOOKHARAN #7972 i i FEES ' Txal kes This Period SO.GO ~ Total Eees Tips Year 57 95.00 i i I INTEREST CHARGED i ! 1 271UL iN`ERESTCH+,RGE SgDr~g 2 z1 auG mTERESr cwaRGE i 593.00 ! 275EP iN~tRESiCH?,RGE Sgg~ i Total iMelest Tips Period 5277.78 I i i Total Interest This rear 5~2.C5 i I --- ------ - - i _ J Help is Available. Just pick up the phone. Call 1-800-258.9319 and a specially trained ages; will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION 'four Anrrual Percentage Rate (APIs is the annual inhrett rah nn you account. Type of Balance Amual PerQntagr Balarrce Subject Rate (APR) to Merest Ratt lrrerest l7targe Irarrest Beararg ! 25.100% ~ 53,22246 ~ 5271.73 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 70 NAMN.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE 4~~ Account Number: 5178-0572,8880-7972 Due Date New Balance Amazed Errdosed Past Due ~ $4,690.79 ~------ ---- ~ ,1 1 5178057288807972 21 4690790000004690796 ROHAN DODKHARAN 51 RONARCH DR CARLISLE, PA 17015-7303 Manage your account online. Ysit www.capitalone,wm/solutions to manage your account online. Have information at your fingertips 24/? without picking up the phone. Capital One Bank (USA), N~A~ P~0• BOX 71083 CHARLOTTE, NC 26272-1Oa3 rlllllrlryrllllrnnlllulllrlrl,rrlpllrrrlll~l,lrrllrnrurln Please rrwke dleda payable to Capital One Bank (USA), N.A and nail wkh this coupon in the enclosed envelope. FMw is the Interest CJrara applied? Irderest charges accrue from the 11 date o`: the hanszdinq 2; dale pre transaction is pocrssed or 3) first calendar day of tlr biting pedod. !Merest drargec 2ccnm wi airy unpaid arnoutd ut61 it is paid in fill. Fiovveva, we reserve the right to rent assess interest ctrarges a[ arty time. Flow rid you Calcriate tFre trlerrst Urarne? There err srxral calculations that are used to determine your total interest charge. 1 To get you r3aily Balance 1i take the current balarrce front when yax accrwnt charged-ori. 2i fw each day after, wbiract the payments, credits, arul adjustments as of that day. the result is the daffy interest bearing tralance. 2. To frctd your Averegr Deity Interest Bearing Balance.: ':)add pre daily interest bearing 6alartces mgwtter and 2; wide the sum by the number of days the interest rate was in effect. 3. Estimaar your Total Interest Qiarge: 1 J multiply you average daily balance by ifre wily perioric rate and 2; Rarliply the rewlt try the number of dayx pe intereN rate was in effect. NOTE Due to rouiding, balance adjustments, or retuned payments, pas calculation may vary from the interest :barge actually assessed. Is the °Payment Due' a doff Amount? No. AJI stMed amounts err owed on the dent of the statemerl. Hova'ever, because merest. late charge and Mttn charges might change from day ro day as povided'n your astxter agreement, the arrrrant de on pre day you pay may be larger. Eor erarrrple,rf you pay the amain stated in this statement, yrnu acoount might still have a balance after you payment is received. Also note tlut pe amoul you an'e may diftn it you`ve entered into a separate payment arrangement. Please :all the number ort Ihr 1mnt of the sratrment for en react payoff smoud. 0.re there Additiorul lees associated with my aaouM? Yes, uder mtain bcrunstan- ces, you may be assessed a Retuned Faymertt Fee. You Trill also be regaled to pay rg dl of ou actual collection e>;prrses, aporneys' fees and court costs uNess the law does not albw us to tolled these amours. We reserve the right b not assess fees wihnrA pia rwticr and withml warring ou riyM to assess a similar tee lath. How do I Make Ferments? Payments you mail b Capial Cne wit be credited b you account as of the business day ttry are receixd, as long as: 1 }you send flee bottom portion of ids statement and you check fr~ pie enclosed remilarKe emebpe, and 2) yore pzpment is received in Cali[al One's pacrssiny centers by 5 pre local time. %ease allow at least seven Q) bsir~ss days .*oi mdl delivery. lrailyd Payments receixd by Capita! Ore at any Miter location or in any dher form may not be cradled as of the day they are receixd. Do you Fyocess Paper t]redcs as an Electronic fords Transfer? .h'hen you povide a check as payment you aulltwize us and our agents either b use information from you .heck b make a orre-time electrortic turd hansfer from your deposit accnrrrf rx b pocess the payment as a check trartsadion. Nr'hen we use kriormation hour yrwr ched to make an elechorac laid trartsfn, funds may 6r witukawn fiom you deposit account as soon as the same day we receix your payment and you •niN rent receive you click back from ycux fnarrcial ins!tu6on.'iou au<hwizaEon'r> not limited by the dace on the cluck We may resubmit and electronially toted the reWrrced payments. robe! if I file for 6 c ? It you are errGtled to bankruptcy potectbn, this comrnuNc- atirm is far information only, it is rcR an artemp b toted assess w recover a debt or Jain. Do not seed us paymentz'nithout speNdng'ndth you ixulorgrhy attorney a pie 5artkruptcy Curt. I! you have grrstiuis about you acmul a bankruptcy pocee3rg, please ha're your ahomey contact us. If you m you atbrriey world like b contact ou Ixnkruptcy cl=_ims servicer directly, please contact iapital Qre Pv BoG 85 i h7 BicMnond, VA 232355 i 67 61WNG RI6NT5 SUMMARY !Does Not Apply b Snell Business AccourHS) yYFu[ To [b tl You Tlarrk You Fred A 16s[ake On Yov Statement: if you parrk three is an ernx on yvrx statement. write h us at: Caplet One PA. Boz 30285 Soh take Gty, UT 841360285 ~n your letter, gix trs the foNonirg in1aR®tiwr: • Account irrfwmation: Your rtame and xcourt nunber. • Dollar amoul: The dollar armunt of pre suspected enor. • Description o? Bodeen: K ywr prink th_xe is an errs on your bill, descrbe wtraA y~rr believe is wrong ant why you !relieve a is a mistake. 'fou must conact us wiMin 60 deyt after per error appeared err you sYekment. You must notify us of arty potential enors in vnitatg. Ynu rrray cab rs, but if you do we are rent required to imestigak airy pokntial enors and you may hex to pay tfe amour[ in question. '/Uhile ire irxsYgat vvhelher a not there has been an error, the tdlorvirg are true: • 'rHe canrmt 6y b tolled the amoral in question, or report you as deknquent on pear arrour[ • You do no[ need to pay arty disputed amouns and related interest cFrarges a fres uli 'xe send you a notice aba>t pie oucome of ou investigation. • The charyr in rprstinn Reap remain on you statement, anrJ ore rosy cnrdnue to clw0e you interest on that amount. But r we dNermire prat Ke made a mistake, rou will rent hex b pay the amoul in question a eery interest or oprer tees related to !feat anrotnt • :Yhik you rb rot freve b pay the amourd in question until wr seed you a notice about the orlconre of ou irwestigation, you are responside for tlae remeirrkr of you balance. You IGghts N You Are tlissarisfied NRih You Credt Card Purdrases: if you are dissatisfied with the goods a services prat you t~ve puchased with your dell card and you hex hied in good faits to carecttfre podem wish Ihr rtrrrchzr0. you may have [he right not m pay pre remaiNrrg senora!! due on the pucfta,e To use this right, al of pre trlbwmg must be here: 1. The puchase must have been made in you home spte or nipan t OC males of yntl tenant mailirg address. and pre purdtase pica must hex been more than S50 !Noce; NeIM of prase are necessary'rf you prchase was hosed on an advertisement we mailed b you. or it we own [he compatty peat sdd you the goods or senues.} 2 You Rr16I hex used you credit card for pre purdtase. Puch~es made'nrith cash edsances fiom an ATM rx wipe a check prat accesses your cedrt card account drt rwt qual'rfy. 3. You mast rot yet have fully paN for the puchase If all of the criteria above are met ard you are >tiIl dissatisfied rith the pxdrasr, contaK us in ~nnitirg at Capial One P.O. Bnx 30285 SaR lake Gtp, UT 8313C-0285 .'vfiie ar inveNigate, the same rntes apply to the 3sputed amoutt as rfiscussed ahox. Afaer we fiNsh cwt irmsiigatioq m wit tell you ou decision. At prat point, 'l we think you ox's an amotnt and you ~ not pay we may report you as delingrreM. Capial One wpports knformation pdwcy poMCtion: see our w'ebsite at vrww.capitalore.cun Capital Ore is a federaly regi~ered service mark of Capital Ore Finarrial Corpuation. AJI rights reserved ? 2010 Capial Cre To cftange or update your address please call 1-8D0-258-9319 orvisit www.capitalone.com/solutions (~ Take control of our fi ~ y nances today. Call 1-800-Z58-9319 to get up-to-date information about your account and make payments. It`s not too late. Call now to get started. Page 7 of 1 7-t0o-25ti-9319 i -~1 www.capitalone.com/solutions i nec•22'rotar•21•mll MASTERCARD PLATINUM NEW BALANCE PAYMENT DUE $5,390.29 $5,390.29 Available Credit: 50.00 Previous Balance Payments and Credits r~ ~. 55,118.55 ~ - ~ SD.W s + l ----- / --- \ ---- ~ 5178-0572.8680-7972 IMPORTANTA[CAUNT DPDATFS DUE DATE Your fuA Mlance is due. Arty paymera }rou make wit redrxe your balance and ~ pay dr imu debt raster. the annum you owe Hey Past DUE dher i YuUwe mrered into a sepaate paynrnt agreencN. Fees Ilrttxesi [barged New Ba{anoe -~ !- r I` _~SO.OD I 'r- \ 5271.74 = ~ 55,39029 I TRANSACTIONS ___ ____ J PAYMENTS, CREDITS &ADIUSTMENTS FOR ROHAN DOOtOrARAN X7972 i FEES Txal Fees This Period 50.00 ' i Total fees Tfys Y=ar 50.00 INTEREST CHARGED 1 21JaN INTERESiCHaRGE i S93fi0 2 21 fE6 INTFRESTCH:tRGE 59350 i .. 21 F.dAR INTERESiCHARGE Sg4.S4 Total interest This PeriorJ 527 i .74 ; i Total Interest This fear I 5271.74 t I ----------------- - --- I I I J Help is Available. Just pick up the phone. Call t-8Q0-258-9319 and a specially trained agent Hill be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APRj is the arrmal interest rate on yore accornt. Type o1 Balarree Amvwl Percentage Balance Sut;etl Interest Chsrge Rate (APR) to hNerest Rate Interest Bearerg ~ 25.10[°!, I 54,22244 I 5271.74 .«..~~ ~ ~ unit rvr,r lulu 6eww vvr r H YAYMtN I DR LC1G ON TO NAMN.CAPITALONECOfW50LUTIONS TO hMk;E YOUR PAYMENT ONLINE ~aiapr~ Account Number: 5178-0572-8880-7972 Due Date New Balanrr Amount Endosed j Past Due i ( 55,390.29 I~~' 1 5178057288807972 21 5390290000005390298 ROHAN DOOKHARAN 51 NONARCH DR CARLISLE, PA 17015-7303 Manage your accoun# online. Ysit WvtnRr.capitalone.com/solutions to marage your octant online. Have information at your fingertips 24/? without picking up the phone. Capital One Bank [USA), N•A~ P~0• BOX 710b3 CHARLOTTE, NC 2b272-1083 rlllllrlrrrllllrnulllnlnrlrlrlrlllll^rlllrl~l~rlrllrnrnl Please make dtedcs payable to Capital One Bank (USf~, N.A. and mail with this coupon in the enclosed envelope. How is the Interest CFuroe allied? Interest charges accrua from the !)date o`: the transadian, 2.} date the [ran action i; pocassed or 3) first calendar clot of the billing period. merest charges accnre ai every unpaid amount urfil l is paid in lull. Hovvew, w'e rest-eve. the right to nW assess interest charges at arty time. How drd you Calcriate tFre kleres[ t}urae? there are sevaral calculations that are used to determirr. your to[W interest charge. 1. To gel you Drily Balance: 1; take the parent balance front when yarn account charged~off. 2i Fur each day after, wbtiact the payments, credits, and'edjustnrents as of that day. The result is tix daly interest beazirg balance. "o fnd your Avtraga Daily Interest Bear'ag Balance: 11 add th daily interest bearing balances bgether and 2} rivirle tlrt sum ay the number W days the interest rate eras in etiec[. 3. Estimate yax Total Interact Ctrarge: 1! mukiply you average daily balance by the daily periodic rate grid 2) mukiply the rewlt by ttc number of days the interest rate Was in effect. "DOTE Drre to rounding, balance adjusmrents, a returned payments, this calarlatian may vary (ran tlra interest charge actually assessed. Is the "Payment Due' a Payoff Amount? No. WI shed amounts are owed ar the date of the statemerl. However, ~cmrse interest, hate drazges and other charges might change from day t« day as povided in your customer agreement, [he amaxrt due an the day you pay may be lazger For eram~a, h you pay the amount stated in this statement, you account might still have a aalance oleo you payment i; recei.red. Also rata tlu[ the amount you Dore may Affer if you've entered into a separate payment azrangenreM. Pkasa call the number an the from of the s[ztemerl fir an aract payoff amaxl. Are there Additional lees assariated with my amount? Yes, under cntain arcumsun- ces, you may be assessed a Retixnerl ?aymenl Fee. You will also be required to pay rrs all of our artital collection expenses. atlaneys'tees and court colds untess the law does nW allow us fo tolled theca amounts, 14'e raservt tfre right b not assess foes wi[M~A pia nonce and withaR warring ou rigtl to assess a similar tea later. How ~ I Make Pavments? PaymwAS you mail h~ Captors One will be credited to your account as of the busirwss day [fry are received as long as: t i you send the bomim pnrtian of tlis stakment and you check fit tha enclosad remitlarne emebpe, acct 21 you paymerl is received in Capital One's pocessing centers by 5 pm local time. %ease allow at least seven 7) btrsiness day; fur mail delivery. s,+,~led PaymerrLc received try Capital Ckre at any Whet location a in azry other form may not be cradled as of the day they are receivtrl. Do you ftocess Paper Ortks as an Electronic W s lYarsfer? :b'her, you povide a :heck ac payment, you aulforize us and our agents either to use inormaton ham your .heck to make a oce-fime eledranic had tianshr from you deposl account or m pocess the payment as a checkhartsadbn.':Jfren we use iiformationhorn your checkm male an electronic ford hansfe, fends may tx wlhdrawn from ytrrr deposit account as;oon as the same day 'm receivt yon payment azrd you wiA rrk receive yrxx ctreck back Sam you financial instlution. You authorizatian'r, not limited by the data on the check. 5U'e may resubmit and eledranically coked the reNrned payments. What if I file fix 6 c ? if you are emitted to bankrupcy potedbn, this comnxrric- ation i> for information only, it is nR an attempt to coked, assessor recovar a rJebt or claim. Do nW send us paymems withal spea{drg with you Dantiuptcy attorney or the 5ankrr{Ncy Girt. I! you have questions abort you ucourl a bankruptcy poceedirg, please bast your attorney contact us. N you or you atorney world lika ro contact ou b=_a*ruptcy claims seracer diedly. phase contact Capial Orre Pu^ 30~• 30281 Salt fake City, LET 841360285 BIWNG RIGHTS SUMMARY tpoes NW 4pply to Small Busiress Accarnts) What To Uo li You Think You Fnd A M6sfake CM You 5[atemenL if you tfer~kthe-re is an errcx on y2xx statert~ent, write to us ~: Captors One ?.0. Box 30285 ktt Lake Gly, llT 84130-C285 hr your letter, give us the fuBoxirg intamahon • Account irYamatbn: You name acct account nrmber. • Dollar amard: Ttie dollar anrourl of the suspectad error. • Desdipian of RoWem: N. you think there is an error an your till, describe what ymr believe is twang and why you 6elie•.t it is a mistake. You must contact us withn fiO days aker the errs appeared on you statemem_ You must rmtify ra of arty paantial emxs in writing You «ey tall ra, hrrl if you do wa are rot mgrired to imestigeae eery potential errors and you map love to pay tfre amount b question. 'N7ile wre itvesligate ~niretlrer a not there has been an errs, the toilanirg are true, • We anrot by to called tha artrount in question, or report you as definquerl on Drat amoal. • You do not nred to pay any dgpled amounts and slated interest charges a fees uli we send you a notice about Lha oucome of ou imestigatian. • The charge in grrestlon Wray remain an you Statement, anrJ xre may continua to drerge you interest an that amard. But, if we determire tlat we made a mistake, rou wilt not have In pay the amouk in questian a any interest or other fees related to that amoral. • :Yhik you do oat freve b pay th arnorxl in grras[ian until we card you a notice sbou the rxlcome of our imesfigation, you are responside inn the remairxkr of yorx balance. Your (tights If Yau Are Dissntisfied With You Credit Card Purduses: if you are dissatisfied with tJre goods or services (hat ;ou fray purdrased with your dedit card, azrd you hx~ ufed in gcrod faith to correct the poblem witlt the merchznt, you may have tJre right trot to pay th remaining amrxrnt Are on [tre purfrase. To use this rytl, al of th fdbwinft must be hue: 1. 'hr pufiase must have been made in you home state or Within 1OC miles of you curers malirg address, and the purchase pica must have been more than S5C !Note: Neither of tlrese are rrecessary if yoax purchase w•as fused on en advertisement we mailed m ycw, or it xre own tft company that sold you tha goods or sevices.) 2. You mast have taxd you credt card for the purchase. Puctresas made pith cash adsances fiom an ATM or with a check that accesses you cradit card account do trot gaul'dy. 3. 'far must mt yet have filly paid for the puchase .f all W the cdteria above are me[ and you ara still di;satistiad with the purcttase, contact us in ~nniting at Caplal One P. t:. Roz 30285 Salt lake City, UT 8413C-0285 :tirike ore investigate, the same ales apply to ttre di;pled amount as dscussed about. After we finish ou imes[igaticxr, we wll tall you raa rkcisian. At that point, B we think you owe an a«roul and you ~ trot pay we may report you as delirrprent. Captors Ona wpports information pivacy potection: sae our welxita at wryvw.capitalore.mm Capital r;~ is a federaly registered service mark of Capital Ckre Pinarxizl Corpuatinn. A71 rights resered r~ 201 i Capihrl Cane To dlange or update your address please call 1-800-~ 58-9319 or visit www.capitalone.comjsDlutions (~ Take control of o ~ y ur finances today. Call 1-800-258-9319 to get up-to-date information about your account and make payments. It`s not too late. Call now to get started. Page 1 of 1 1-x1062511-9319 ~------ ---'~, www.capitalone.com/solutions i Mar.zz•Jrn.2J,2011 MASTERCARD PIATINUM NEW BALANCE PAYMENT DUE $5,668.07 $5,668.07 Available Credit: SD.DO Previous Balance Payments and Credits ,~ --; SS,39029 ___i - r 5p,p0 JI + 5178-0571.8680.7972 IMPORTANT ACCOlM7T UPDATES DUE DATE Your rWl balanre is dur.. Are/ paymcertt 1rou make wdq redr[e port balance and help Pay dt you debt facer. the annum ya owe rtey Past Due diFrt 7 youve entered into a sepaate payment agreermrq. Fees Interest Charged New Balantx I 50.00 I i' ~ ~ 5277.7i} = I! 55,668A7 i i \ J ~. 'i ~TRANSACTIONS_--~ PAYMENTS, CREDIT59ADJUSTMENTS FOR ROrL4N OOOKHARAN #7972 ' i j FEES Taal Fees This Period 50.00 Total Eees This Year 50.00 ~''~ INTEREST CHARGm i i 1 21 APR INTERESiCHARGE 593b0 I 2. 21 had~Y :NTERESTCHARGE S90_r~ 3 2111itJ iN1ERESTCHARGE 593Fi0 , Total ir~Rrest TFris PeriorJ 5277.78 ~; i Total Inicvest This'fear _ 5549.52 i I ~---------- ----- - i I J ~ Account Number: 5178-0572,8880-7972 Due Date New 6alarrre Amount f»dosed Past Due I ( 55,668.07 J ~-` ~------ ROHAN DOOKHARAN 51 MONARCH DR CARLISLE, PA 17015-7303 Help is Available. Just pick up the phone. Call 1-800-258-9379 and a specially trained ages; will be happy to help you check your balance and make payments. IN TEREST CHARGE CALCULATION Your Amual Percerda¢ Rate (APR} is the annual interrsl. r to on you accoW. Type of Balance Annual Percentage Balance Sut>jeC IntersKl Char Rate (APR) to Interest Ra[e ¢ ir~rest8earira ! ze.1oD~ ! s4,zzz4a I Szn.la --• -~- •w ~.-~.~~ ....,,,,.~~. U~wvr rn i n nvrm~n i ~rc cw clly to YVWW.CAPITALONE.CC)Ni/SOLUTIOtJS TO MAKE YOUR PAYMENT ONtJNE 1 5178057288807972 21 5668074000005668070 Manage your account online. Ysit www,capitalone.comisolutions to marage your account online. Have information at your fingertips 24/7 without picking up the phone. Capital One Bank CUSA), N~A- P•0• BOX 71083 CHARLOTTE, NC 28212-1083 'llllrl"1'1llIdIIIIIIlIIILlrlyyllll1°III~JrIr'IIrllJhul Please make checks payable to Capital One Bank (USA), N.A and mail with this coupon in the encbsed envelope. Fbw is the Interest Glare applied? IraerF# charges accrue fram the 1) date of the hansadion, Z} date the transaction is processed m 3,' hr# calendar day of tlr biting period. imne# clralgPS 2C:rUP art P'Rly UI~d aR101i1t unrl It IS paid In full. Hawevn, w'P resole. IhP fight b na a55PSS lntne# cferges 81 ally fimE. How did you Calculate the kxeres[ 6aerar? There are seseral calculations [teat are used to detFrmire your total irxse# charge. t i o get you Gaily Balance: 1 i take Me crarert balance from when yax accrwnt charged-aif 2y Fm each dap after, wbtrad the paymEns, cre3ts, and adju#rrents as of that day. Te resell is the daffy interest beairg balance. 2. i o find your AveragF Daily Interest tlearirg Balarxe: t) add Or daily interest blaring balarrces bgntrr and Z) divide tee sum by the nuntrr of days [he interest rate was n ehec[. 3. Estimate your Total Irdertsl Qrarge: 1) mutiply you average daily baame by the daily periodic rate ar~d Z? rnuBiply dr resuR by the number of days tlr interest rate ores in effect. NOiE: Due to raun3ng, baanre adjustrnsits, m retured payrens, this caculation may sary fiam tlr inttre# cfurge actually assessed. Is the °Payment Due" a pyFyotF Amour? too. A71 staed smounts art awed on the date of the #ahmnrt. Hvwevrr, ~carrse interest, fah charges and other charges might charge from day b day as provtled in you customs agreerred, the amount due an the day you pay may 6e larger. kx e~mplF, -d you pay dle amours stated in Ws slalemerx, you auount might still base z tralance sits yrxr payment is recei ved. Also note tlrzt tlr amount you owl nay ddfer d you've entered into a separate payment anangertrnt. PkasF call the number nri Iht front of the #altment fir an exact payoff amount. Are there Additiord Fees asso6ated with my amount? Yes, uder certain ucunsbn- ces, you maybe assessed a Returned ?ayment Fee.'fou will also 6e regtrired to pay us al of ou arnral calledion expenses, atlomeys' fees and court co#s unless Brt law does rot allow us to tolled these amours. VY'e resnve the rigfx b oat assess fees witha~A piw rotrce arld without waiting tar ryhl to assFSS a similar feF fain. Flow ~ I Make Pavmerxs? Payments you mail b Capital Che will be credited b ycvx account as of tlr twsirrss day they are receisrd, as long as: 1 i you send tfr botbm pr!rtion oT die statement and you chnk ~ It1F enclosed remitlame emelapP, and 2? you payment is receised in Capital Ore's processing cFntns by S pm local time. Please albw al lea# sewn .,7) business days fat mat defisery. Mated Payments received try Capital Ore at any nther Iacatian or in any othn form may not be credited as of the day they are receisrd. ~ you Process Paper Chris as an Electrorrc Weds Trarrster? When you provide a :het as payreFnt You authorize us and our agents Fills b use irdormatron iron you check bmake sore-time eltchoric fixed harrshr Nom your deposit account rx b process the payment as a check trarrsactian.:Nhrn we use nlormation from yan check to make an electrorie fold tr~sfn, Tads may be wittdrewn fmm yaw deposit account as scan as the same day sir receive pom payment and you c5'il rat receivF you check back. Nom you filancial ins[itution.'fau ardMxizztion s rat limited by the date on the check We may resuFxnit arld e~chonicaly cased the rebrred payments. What if I file for Bardutatty? If you are erdtled [o bankruptq potection, ttus comrnuric- atirxl is tar inbrrnation ordy, it is and an ntempt to cotled. assFSS or recovn a debt err lain. Da not send us payments without speaking x'ith you bariauphy atrorrey or the Barluuptcy C~eat. If you have questiom about you account w banWupky proceeding, please hat you albrney carxad us. H you err you atlorrey would like b mrxact ou Ixnkrupicy cblirx >ervicer diredFj, please mrxact Capital Orr PO Box 30285 Salt fake Gty, Ui 341360285 BILLING RIGHTS SUMMARY!Does "dot Apply b Small Susiress Accourxsl What 70 [b It You Tlrrrk You Fed A Mistake On You Statement: tl yDU Ihnr; tlrfP IS 8n prrrx Dn yax #aletrrnt, w11fP Mi US ~: Capita QIE ?.O. Sos 30285 S.ri lake Gly, UT 841340285 .n your letter, grip ~ the following irdarmation: • Accarrx irdormation: Your name and arcount number. • Dollar amount: T FK ddlzr amount of the suspected enw. • Desaplian of Pralem: If you tfink drew is an ens on your Lill, descrbe'n•FceA you believe is wrong and why you beliesr it is a mistake. You mIW roNact us wiihn 60 days arias the error appeared on you statement. You must ratify us ai am1 pdtrxial enors in writing. Ynu rrey cab ra, fax if you do we are nd regrind to irnestigah any potential ertors and you may tease to pay ter amour! n qua#ion While w'e ilsrstigale whether or not there has been an error, the tdlonirg are true: • We cannot by b colleR the arriount in question, m report you as dtinquent an (teal snout • You du rot need to pay any disputed amounts and related irdere# charges or tees unti we send you a notice aMeA the autcome of our imrstigation. • TFr drarge in question may remzin on you #ahmert, sent vee may continue b clwge you irrhle# on that amwnt. But, if ere detamire that we made a misblr, you will rot base b pay the amour in grrestian m arty interest or oBln fees related b that anount. • Whle you rb no[ tease b pay the amour in question until we send you z notice about the ueKane ai our irwestigatian, you are responsible irx the remanler of you balance. You Itiglrbl R You Are Dissatisfied With You Credit Card PurQuses: ff you are dissatsfied with ter goods a services Ihat you base pudlased pith your Qedtl teed, amt you ha R Uied in gaod faith to correct the pohknl with Bee rrerdrant, you may have tlr right rot to pay the reneairdrg amount due on the pucfrese io use this right, a9 of dr fabwina must be uue: 1. You mu#hasr used your credit card for tM purchase. Purchases made wi61 cash adsarxes ham an Anvt a witfl a check tlwt ac cessts you nedt card ttcouit der nd quaky 2. You must rot yet have fulFj pad br the pladease If aN of the criteria above are met and you are still dissatisfied with the r~urchase. contact us in wrung at Capial One P.O. Bare 30285 Sari lakF City, Ui 8413G-0285 Whie we irnr#igate, the same rules apply b the disputed amrnnt as discussed above. After wF fnish ou imp#igation, we wit tell you au decision. W that parr, it nt tblric you rm'e an amour and you der rot pay we may report you as delnquerx. Calrita One suppoxs n(ormation pdsacy protection: see ou websih at www.capimbre.com Capital One is a tederaly regi#ned service mark of Capital Orr Finare'ral Corporation. All rights reserved ,y~ 2011 Capital Gre TG dtange or update your address please call t-8D0-Z 58-9319 or visit www.®pitalone.comJsolutions (~ Take control of our ~ ~ y 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. Page 1 ad 1 7-1Da291-9379 It ---'~ www.capitalone.com/sohJtions i tun.2z-Sep.zl,zoll I `~_- MIISTERCAARD PLAifldUM 5178-0572-8880.7972 IMPORTANT ACCOUNT IROATES NEW BALANCE PAYMENiDUE DUE DATE Ymrhdlbalarmisdue.prrypaymnayoum#ewiredureyour batante and help pay alt your debt faster. The amowa you o»c trey §5,945.85 §5,945.85 Past Due diner i you'sre emend hao a sepaare payment agTerrer4. ~ Araila6le Credit: 50.00 I Previous Balance Payments and Gedits Fees Interest aarged New Balmtce ~ SS,G68A7 - ( SD.00 ~ t ~-s ~~ = I~ \ ~ ) l\ Jj I SOAO /I ~- 5277.78 55,945.85 ~ TRANSACTIONS _______ J I PAYMENTS, CREDITS&ADJUSTMENTS FOR ROHAN DOOKHARAN X7972 i FE6 'mal Fees rnis Period so.GO ! Total Fees This Year 50.00 i I INTEREST CHARGED i I ? 2? JUL. IN'ERESTCNAkGE 59058 Z? AiJG !NTERESi CHARGE 593.60 2? SEP N~RESi C'H.ARGE 59360 I Total iraeres[ This Period 5277.78 i i i Total Interest This fear 532730 I I i Help is Available. Just pick up the .phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATIdN Your Annuad Percerda¢ Rate GAPR) is the anraml interest rate on you account. T of Balance Annual Percentage Balarrce Srl~ed y~ Rate {APR) to Fateres[ Rate Interest Qrer¢ Imerest8earirg i 26.1(10% I 54,2224fi I ;277.73 • «-~-~~ ~w ~..~... ~..,,..v.. or:wvr un i n nvrrtntrv I Vrc LW (AV t0 YVNrw.G4P1TALONE.COM/SDIUTIONS TO MAKE YCR1R PAYMErdT ONLINE 4ai- ~'""" Account Number: 5178-0572-H880-7972 Due Date Pkw Balarrrt pmpm y,a~ f Past Due ~ ( 55,945.85 1 5778057288807972 21 5945850000005945850 ROHAN DOOKHARAN 51 tIONARCH DR CARLISLE, PA 17D15-73D3 Manage your account online. Ysit wvvwr.capitalone.com/solutiorts tD manage your account online. Have information at your fingertips 24/? without picking up the phone. Capital One Benk (USA), N. A. P.0• BOX 71083 CHARLOTTE, NC 28272-1083 rglh,lrvrllllrllulllnlllrl,l,lrlpp,„III,I,Ir,Ilrn,nrtll Please make decks payable to Capital Or)e Bank (USA), N.R. and mail with this coupon in the enckued envelope. I@vev Ir the Isdero[ enaroe appiem I~! ,n,g-= ,..r;,= t~xr m- t: ;,:::+ me n,:,:',:wr!, ~r xt= m: p,r., la:y;u:._J!3; ^a,de,d isnth-tikir;Fyo:Lr-re3 h'. ;.-: ,::.L. J, ts•rp ur p,tl en.,uut ., :Gia Fsirr; lu@. HJS ...rv: M' I}ntb!IJtr - dreI:hvr~. ',t vlglar e. Ilwv 6d Tv'+ Calodte the Iretnest Charve] met- xa ' I I:"hiif w~ ,re ue7 G stern xe• {x,l rJr ~a t.tM 1 •; -@ E'<v t ,k C,"a.rrDl' t ~n x'r:se }'xa v,:JU['s fi~ll.2i Fx ..:.h i- trc -C': N. F-}m t' i i ij V• n"JI Ih-[i: T I['Wytl eNe.iP-tn~ ;tu i ixa as. ,}-.,r7; ~~f E ~y ~l t']'h iIG tt l it -t.fthe ili p tm trJti p t' t,r r gE4 ry Tx>l a 't hv;. tt '1rbp ;.--: i-ly t t -- t N J 1 y'-i. t ' 1 It~:ly m -'u2 tt [ '4 : p- r!t~ , ar p h rE u 7 ~ c Ln..: iJ-., •ut, x u n:.i {.',,.'-ns, tn- .v..,4,tiun r Is the "Paynrsd Due' a PavviF Mnursr7 N-. JI .!:,ci .. 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Page 1 d 1 ~- -- -- -~ Castanet Service 1-!04256.9314 I Sep. 22 - Dec. 21, ZOl t i www.capitalone.com/solutions ~--- ---- MASTERCARD PLATINUM 5178-0572.8880.7972 IMPORTANT ACCOUNT (1PDATFS NEW BALANCE PAYMENT DUE DUE DATE Yourfull 6alanrn is due Arty payrnent you make vdl reduce pour bala+ce and help pap dt you debt fasts. ]he anDUnt you owe rrcay 56,220.61 §6,220.61 Past Due d8rrr a you've entered into a sepaate paprem agreertert. I Available Credit: SO.OD I Previous Balance Payments and Credits Fees Irtterest Charged New Balance ~' - -,, r----- -- -- - ; ~ -- SO.OD J I SO.DO I ~" ~ 5374.76 ( 56,220.61 '---------------------- \~ f TRANSACTIONS -~ ~-------- -- --- i PAYMENTS, CREDITS & ADJUSTMENTS FOR ROMAN DOOg1ARAN #7972 j FEES I iota! tees This Period 50.00 INTERESiCHARGED ~ 1 21 ~xT INiEkESi CiJA.?GE 590.58 I I 2 , ?JOY ~NiEREST C~AkGE 593.60 i 3 21 Dc'C NTEkESi C^U~?i,E 590.58 Total Ifltefeit RYS PerlDd 5214.76 j I TOTALS YEAR TO DATE iota! tees Tids'fea 50.00 I Total Inteest This Year S1, i 02.06 j I Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained ages: will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION ~~. ...•....~.. mwnayr nor yirry o ue errtNlal mlere$[ rate Dn yDU eCCOllyd. T of Balattr Amusl ~~~ Balance Subject T~ Rate UtPRj to Inerest Rate Interest Charge Interest 9earng 25.10C% I 51,222.5 I S27C.76 .~~.+.,~ n~ ~ ~,,,. n,n I rvrv navvy YYI r n rnrn~tN I (1H L(Xs CMI TO YUWIN.CAPITALONE.COA475(7LUTIOr4s TO MAKE YOUR PAYMENT ONLINE 1 51780572$8807972 21 622061000000b220614 ~aa Account Number: 5178-05728880-7972 Due Date Nesv balance Amant Fndosed I Past Due ~ 56,220.61 ROMAN DOOKHARAN 59 REGENCY MOODS N CARLISLE, PA 17015-9064 Manage your account online. Ysit WWVV.c~Jitalone,comisolutions to marage your account online. Have information at your ?ingertips 24J3 without picking up the phone. ~_ Capital One Bank (USA), N•A- P•O~ BOX 71063 CHARLOTTE, NC 28272-1083 ,llglrlllroll,nnlllnln,Irlrlrlllprrrlll,lrlrrltrurllrul Please make dled(s payable to Capital One Bank (USA), N.A and mail with this coupon in the enclosed envelope. 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W4r v;e lin •h sur rf .~ - Atells 7.- 4NS V:,ir t A<rnc~ n. m,r .n[ :r ]ln,] .t; yv,. n:~;r txtrw u: ]::iu,e:t _atdal Jnr st{:prt iN;xn ucr:rirsl Frxa'aor;: -• ; u ezts[- at rn~.v: _uFda,nrv: un' L~.. +. _..FTA Irw.'aNl~d'Y - r7naA}• J -7•-,+i:- kN h;. ra."n--]. 1'., ,tl To change or update your address please call 7-800-258-9319 or visit www.opitalone,com/solutions (~ Take control of our fi - y nances 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. Page t d 1 i --- -~ I Castmrer Service t-e0425>;-!3T! j Dec. 22 - Mar. 2t, 2012 ? i ~~ j www.capitalone.com/solutions ~ -- ---- MASTERCARD PLI1TBfIlAN 5178A5J2.88847972 rMPORtANr AcCDUNr UPDATES NEW BALANCE PAYMENT DUE DUE DATE Y41f ~ bdat~ rs due A"Y ~1'T"~ You make wdl reduce your bztarrz and help pay aR yna debt faster. the arrwwm yap u~+e rrey §6,495.37 $6,495.37 Past Due drier i Y""''T entered inm a s=paste payment agreenent. I Available Credit: 50.0(1 I Previous Balance Payments and Credits Fees Interest Charged New Balance ~- -~ ~ ' 56,120.61 - ~ SO.OU J + I` SO.DO ji ~' ~ 5274.76 = I -- ~ ~ \ ~ \ 56,49537 I j~RAMSACTIONS___~ i PAYMENTS, CRmITS i4 ADJUSTMENTS FOR ROIUW DOOIWARAN #7972 i ! FEES i I Total Fees This Perio4 50.00 I INTEREST CHARGm j 1 21 JAN INTERESTCHAitGE 593.60 i 2 2? FEB WiEfiESTCHA.RGE 593.60 ; 3 21 P/itiR INiERE5TCH4.RGE 587.56 ~ roFal Interest This ?eriod 5274.?6 TOTALS YEAR TO DATE tots lees This Yeaz i 50.00 i Total Interest This Yeaz 5274.?6 i I i Help is Available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to heap you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR} is the ar;mral interest rate on your accovt. T of Balarr[e Armuel Percentage Balance Subject YPe Rate {APR) fo kr[erest Rate Interest Qrxge Interest Bearng ! 26.100% 51,222.15 I 5271.76 ,~~~c nom. unrv curt non eecvw m r ti vAYMtNt DR LOG INJ TO W1NW.CAPITALONE.COMy50LUTlONS TO MAKE YOUR PAYMENT ONLINE 1 5178Q57288807972 21 6495370Qt)0006495372 ~~ Account Number: 5178-0572,8880-7972 Due Date New 8alancr Amount Endnsed Past Due $6 495.37 I ~----~~ ,, ROHAN DOOKHARAN 59 REGENCY MOODS N CARLISLE, PA 17015-9064 Manage your account online. Ysit wvvw.capitaione.tomisolutions to manage your account online. Have ittformation at your fingertips 24J? without picking up the phone. Capital One Benk (USA), N~A- P~0• BOX 71083 CHARLOTTE, NC 28272-1083 rlllh,lr,roll,nulllnlurl,Irlrlllll,rrlllrl,lrrllrnrn,nl Please make cheda payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. smn• s the dnlerest cllame appliM 7 Harr-.i.E,-,~; s_;u> h:•Ir m= r i-,e A?n. c,r;;,ab~.l it 7te de¢ 'u,imi; Fri :e7a:lin>::inr,M 7,T ]I :ne ti14r3.4: i~7. Irrsres: :h-nr-r,.. ury-,i7urr:ardurpl it i. d:~ni;dl. 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N -:-:h, ..:.liar :x, arRt a -nh -~.h::k R. ._ , ]rt , 7 -,__.,.,r¢ ] r A { .BT ~,rd :I Yal ¢:n rpt 4 h m 1rAly F,i! to Nz Fw:h.s-. n•,r ~'R-,e>,~,r<¢::.rdr ,.,4I]:,nti-]rihm, :h,ee.:a,.; ~. -~dn' ut'41 firer S~dt Lwke'iT. ~i'_41~ ~:_'i rieii: s.e irrwsd~,:-. dr- =xre uile -,FETE U N< :isFirt: S ~in:+nf. ss S.:rc_-] =t;,w. !d[. w InAh our gear- d[Ey ]r-' n.mnf~:t.rtr?dirx Tu- ,mirr :xxd -n 7yu9 n,~s.: x:Tr.Fat rx,-,. 7:.nl~R! ,.Fdyl Jrwt~_rc irdanatiai pk• •.rateom:s-: _urw{>'t-',t rxv:..uFV~Lsr..:ar g, i':7. _:tF I ire. ~-W T? i! .,;-7,uk} rr fx,.!:]-:ru:r n and N:i~M,s rer-.m]. 1t;2~+it To change or update your address please call 1-800-258-9319 or visit www.opitalone.com/wlu[ions EXHIBIT B Capital One® Customer Agreement Welcome to Capital One.® Thank you for opening a credit Card Account with us. This Customer Agreement ("Agreement") contains the terms for your Capital One credit Card. Some Definitions. The meanings of the terms you see in italics appear in the Glossary Section. 7o make the Agreement easy to understand, we will also use the following personal pronouns: "You," "your" and "yourself" mean each applicant and co- applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. It also includes an Authorized User as defined in the Glossary Section. "We," "us," "our" and "Capital One" mean Capital One Bank (USA), National Association; and its agents, authorized representatives, successors, and assignees. Account Documents. Your Account with us is governed by the following documents: (1 }this document; (2} all Statements; (3) all rewards information and documentation if your Account has rewards; (4) 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 witl replace all prior versions; (6} the "Security" Agreement if you have a secured Card; {7) all disclosures and materials provided to you before or when you opened your Account, including Truth in Lending Disclosures; (8) all other documents and disclosures relating to your Account including those provided online; and (9) any future changes we make to any of the above things. Please read these carefully and keep them for future reference. An image of any of these can be used instead of the original. New Offers. In the future, we might make new offers to you or forward offers from others that we think you might be interested in. These offers may have new or different terms and documentation for these offers will he 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; (2) a valid U.S. mailing address and residential address (if different); (3} your date of birth; (4) your social security number or other government identification number; (5) your telephone number{s}; and (6) your employment and income information. You must tell us when this information changes. Please update your address in the manner provided on your Statement. You may also update some of this information by lagging onto yourAccount on our website or by rolling one of our representatives at the telephone number provided on your Statement or on the back of your Card. We may require you to provide additional documents that are acceptable to us to verify this information or any changes. We maintain the right to restrict or close your Account if your information cannot be verified or if you do not provide additional information as requested. Credit Limits. When you open your Account, you will receive your credit limits. These will also appear on your Statements. We might also refer to your credit limits as your credit lines. We may give you different credit limits for the different Segments of your Account. For example, you might have a different credit limit tar purchases than for Cash Advances. You are responsible for keeping track of your Account balances and your available credit limits. Do not allow your Account to go over any credit limit even if you have authorized us to charge you an overlimit fee for doing so, as described in the Interest Charges and Fees section. We may still honor transactions above your credit limits, but our honoring of these transactions will not increase your credit limit. We may also increase, decrease, restrict or cancel our credit limit on any Segment at any time. This v+rill not affect your obligation to pay us. Using Your Account. You promise to follow the terms of this Agreement as long as yourAccount remains apen or has a balance. Please sign the Card immediately when you receive it. The Card is valid during the dates provided on the front. The Card is our property and you will return it to us or destroy it if we ask. You will take reasonable steps to prevent the unauthorized use of your Card and Account. We are not responsible if anyone refuses to accept your Card for any reason. Also, we may reject any transaction for any reason. Unless we tell you otherwise, we will bill each transaction to the applicable Segment of your Account and apply it against your available credit limit for the Account and Card for that Segment in each Billing Cycle. You may also ob#ain Cash Advances and Transfers if they are permitted for your Account. Unless we agree, you may not use a Transfer to transfer amounts from other Accounts with us or any other company within the Capital One organization. You must not use, or try to use, the Card for any Internet gambling transactions or transactions that are it{egal 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 our rewards. We will include on your Statements all rewards you have earned. It might take up to two Billing Cycles for your earned rewards to appear on your Statement, Using Your Access Checks. When we provide you with Access Checks, we will tell you whether we will treat them as purchases, Balance Transfers, Cash Advances or Special Transfers. Only the person we designate may use Access Checks. Access Checks may not be used to ay 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/stvlen or closed; our fraud ssyysstem prevents the offer fulfillment; yourAccount is overlimit; or the checks have expired. Any liability for our wrongful dishonor of an Access Check will be limited to your actual damages and will not exceed the amount of the Access Check. When you use an Access Check, you will have fewer rights to dispute merchant transactions than with other uses of your Card. Please see the "Billing Rights Summary" part of your Statement and your other Truth in Lending Disclosures for more information. Stopping Payment of Access Checks. You may request a stop payment on any Access Check by cantactmg us as provided on your Statement. We may chharge you a Fee to stop payment as described in the Interest Charges and Fees section. If you call us to stop payment, you must also send to us a written request within 14 calendar days. We will have a reasonable amount of time after your stop payment re uest to research the situation and compete 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. I# we cannot stop payment for these reasons, we may still keep the stop payment Fee. Once we complete a stop payment, we do not have to release the stop payment order unless the same person asks us to. If we re-credit Your Account after paying an Access Check following a valid stop payment order, you give us all of your rights against the payee or other holder of the paid Access Check. You also agree to help us in any actions we might later take against that person. Using a PIN. We may give you a personal identification number (PIN), Por 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 P05 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. !f ou lose your Card or believe that someone has gained unauthorized access to your PIN, you must contact us immediately. Authorized Users. You may ask us to add one or more Authorized Users with additional Cards on your Account. If we agree to your request, we will need certain information about the Authorized User to manage your Account. This will be the same information you provided about yourself as described in the Account Information Section. We may limit an Authorized User's ability to initiate certain transactions. if vve do, we will tell you about these limitations before adding any new Authorized User on yourAccount. Once we add an Authorized User to yourAccount, we may discuss yourAccount with them and provide them with Account information. You will be responsible for the Authorized User's use of the Card and your Aaouni as well as anyone else they allow to use your Card or Account. This will be true even if you did not want, or agree to, the use. Removing an Authorized User. If you want to remove an Authorized User from the Account, you must contact us as provided on your Statement and request their removal. We will have a reasonable amount of time after your request to research the situation and remove them. You also must immediately destroy all Cards in their possession and cancel all of their billing arrangements to the Account. We will not do this for you. During this time, you still will be responsible for all amounts they charge to the Account. You wilt be responsible even if these amounts do not appear on the Account until Eater. An Authorized User may remove themselves from the Account upon request. We may close your existing Account and/or issue a new Card with a new Account number. Your Promise to Pay. You promise individually and jointly to pay us all amounts due on your Account. This mdudes amounts where you did not sign a purchase slip or other documents for the transaction. If you use your Ca-d 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 ou 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 al! Cards on Your Account unless the law does not require or permit us to send a Statement. Statements will be sent at the end of each Billing Cycle when your Account has a debit or credit balance of more than $1.00, or if we have charged any Interest Charges #o your Account. Your Statement will show all transactions billed to yourAccount during the Billing Cycle along with other important•4ccount 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 yourAccount, and we later credit yourAccount for all or part of the disputed amount, you ggive us all of your rights against that other person. You also will: (1) give us any merchandise or other purchases you received m 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 begin to accrue from the day a transaction occurs. However, we vwll not charge you interest on any new balances posted to the purchase5egment of your Account provided you have paid your previous balance in full by the due date. We will treat the following Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if they are provided in your Truth in Lending Disclosures. We may increase your Interest Charges and Fees as described in the Changes #o Your Agreement section or in your Truth in Lending Disclosures. • Membership Fee. We may charge you this Fee as early as your first Billing Cycle or the first Billing Cycle after this Fee becomes effective. If it is an annual fee, we may then charge it approximately once per year. If it is a monthly fee, we may charge it once in each Billing Cycle. This Fee is payable in advance even if you do not use your Account. • Late Payment Fee We may charge you this Fee if we do not receive your payment in time for us to credit it by the due date shown on your Statement. • Overlimit Fee. If you agree, we may charge you this Fee when a transaction causes you to go over or remain over any of your credit limits during any Billing Cycle. We may also charge you two additional Fees if your balance remains over your credit limits as of the payment due date in future Billing Cycles. You will only pa one Fee per Billing Cycle, even if you go over your limit multiple times in the same cycle. • Returned Payment Fee We may charge you this Fee each time any payment you make to us is not paid by your financial institution for any reason, even if that institution later pays it. • Returned Access Check Fee We may charge you this Fee if we do not pay an Access Check for any reason, including when your Account is in default, overlimit, suspended or closed. • Stop Payment Fee. We may charge you this Fee each time you request us to stop payment on an Access Check or you renew an existing stop payment order as provided in the Stopping Payment of Access Checks section. • Copying Fee. We may charge you 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 will be treated either as a Special Transferor purchase transaction depending on the Segment in which the Transfer posts. Transactions Made in Foreign Currencies. If you make a transaction in a foreign currency, the Payment Card Network will convert it into a U.S. dollar amount. The Payment Card Network will use its currency conversion procedures in effect when it processes the transaction. The conversion rate in effect on the processing date might differ from the rate in effect on the transaction or posting date. We do not currently adjust the currency exchange rate or charge any additional currency conversion fees. No Warranties. Except as otherwise provided in the "billing Rights Summary" part of yaur 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 vviU accept these refunds as credits to the purchase Segment of your Acmunt. We do not control when a merchant sends us your refund. We will also have a reasonable amount of time after we receive your refund to process it. Minimum Payment. Your Statement will provide instructions for making payments, including the amounts due and the due date for receiving your payment. If applicable, your Statement will also include a minimum payment amount. To avoid a late payment Fee, you must pay us at least this minimum payment amount by the due date provided in the Statement. If you have agreed to incur fees for doing over your credit limit, be aware that paying only the minimum payment amount might not be enough to avoid an overlimit Fee. In addition to the minimum payment, you may pay a!I 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 Statemern. We will continue to charge Interest Charges during Billing Cycles when you carry a balance regardless of whether your Statement includes a minimum payment that is due. If your Account is 180 days past due, part of a bankruptcy proceeding or otherwise charges off, the entire balance is immediately due and payable. Making Payments. Your payments must be in U.S. dollars from a U.S deposit account and otherwise be acceptable to us. We do not accept cash payments through the mail. You may not make payments with funds from your Account or any other credit account vath us or any other company within the Capital One organization. Mailed Payments. You must mail payments to us at the address provided on your Statement or as otherwise instructed by us or our agents. We will credit it to yourAccount on the day we receive it, if: (1}you send the payment coupon included with your Statement in the same envelope vvith your payment; {2} you include yourAccount number on your payment; and {3} your payment arrives at the address indicated on the pa ent coupon in our processing center by the time indicated on your Statement. If your due date occurs on a day on which we do not receive payments, any payment received the next day which conforms to the above requirements will not be treated as late. Please allow at least 7 days for postal delivery. Unless we or our agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any other form might not be credited for up to 5 days. This might cause you to be charged late payment fees and additional Interest Charges. Faster Payment Services. We may make services available that allow you to make faster payments through a customer service representative using a telephone, the Internet or other payment system. We will describe the terms far using these services before you use them. Yau do not have to use these other payment services, and we may charge you a Fee for us'sng 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 your Account number or other Account information to someone else to make a payment for you, we may provide Account information to them and process their payment as if you made it. We may refuse to accept any payment made by someone else for your Account. If we accept a payment made by someone else for your Account, you will be responsible for the payment made even if that payment is rejected or not paid. Payment Processing. We may accept and process payments without losing any of our rights. Even if we credit your payment to your Account, we may delay the availability of credit until we confirm that your pa ment has cleared. We may resubmit and electronically tolled 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 mfarmation 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 hems 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. Haw 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. Stems 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 302$5, 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 yourAccount. 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; (b} we determine that you made a false, incomplete or misleading statement on an)+ of yourAccount 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 our original offer matenals when you opened yourAccount. Remember, paying~ the Fees charged in connection with a default will not by rtsel# 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 yourAccount; (2} lower your credit limits; (3) increase your minimum payment; (4} demand that you immediately pay the entire balances owing on yourAccount (for example, as described in the Minimum Payment section); (5) continue to charge you lntenast Charges and fees as long as your balances remain outstanding; and/or {6) pursue any other action against you that the law allows, which includes the filing of a lawsuit against you. You must pay us all of our collection expenses, attorn~s 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 vve choose unless the law says that we cannot. For example, we may: (1) contact you by mail, telephone, email, fax, recorded message, text message or personal visit; (2) contact you using an automated dialing or similar device ("Autodialer"); (3) contact you at your home and at your place of employment; (4) contact you on your mobile telephone; (5) contact you at any time, including weekends and holidays; (6) contact you with any frequency; (7} leave prerecorded and other messages on your answering machine/serviceond with others; and (8) identify ourselves, your relationship with us and our purpose for contacting you even i others might hear or read it. Our contacts with you about yourAccount are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. Unless the law says we cannot, we may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose. When you give us or we obtain your mobile telephone number, we may contact you at this number using an Autodialer and can also leave prerecorded and other messages. We may do these things whether we contact you or you contact us. If you ask us to discuss your Account with someone else, you must provide us with documents that we ask for and that are acceptable to us. Credit Reports. We may 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 yourAccount and your right to obtain credit from us. We may do this a# any time and for any reason, permitted by law, even if yyou are not in default. A suspension of yourAccount might be permanent or temporary. If yourAccount 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 yourAccount 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 notifyy 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 !aw Our notice will tell you when and how the changes will take effect and describe any rights you have in connection with the changes. Your variable Annual Percentage Rates {if applicable) can go up or down as the index for the rate goes up or down. If we increase your Interest Charges for any other reason we will notify you in writing. If we increase your Fees or other terms of your Account we will notify you in writing and inform you of your options in advance, including the right to apt 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 Agreement. We make decisions to grant credit and issue you a Card from our offices in Virginia. This Agreement will be interpreted using Virginia law. Federal law will be used when it applies. You waive any applicable statute of limitations as the law allows. Otherwise, the applicable statute of limitations period for all provisions and purposes under this Agreement (including the right to collect debt) will be the longer period provided by Virginia or the jurisdiction where you live. If any part of this Agreement is found to be unenforceable, the remaining parts will remain in effect. Waiver. We will not lose any of our rights if we delay taking any action for any reason or if we do not notify you. For example, we may waive your Interest Charges or fees without notifying you and without losing our right to charge them in the future. We may always enforce our rights later and may take other actions not listed in this Agreement if the law allows them. You do not have to receive notice from us of any waiver, delay, demand or dishonor. We may proceed against you before proceeding against someone else. Assignment. This Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not transfer your Account or your Agneement 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 var)r in length but is approximately 30 days, The specific period of time is described on each Statement. However, you will have a Billing Cycle even if a Statement is not required. We will often specify a Billing Cycle by the month in which its closing date occurs as provided on the Statement. For example, a "March Billing Cycle" will have a closing date in March. We may also refer to a Billing Cycle as a "Billing Period." If yourAccount balance has charged off, we may switch to quarterly Billing Cycles to your Account. •"Business Day" means any day in which Capital One's offices are open for the processing of payments and credits. •"Card" means any Capital One credit Card assoaated with your Account, which includes all renewals and substitutions. It also means any other access device for your Account we give you that allows you to obtain credit, including anyAcmurn 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. • "ttem" 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 Bilfrng Cycle. We might also refer to your Statement as a "Penodic Statement" or a "Billing Stafement." •"Transfers" means balances transferred from other Accounts to thisAccount and includes Balance Transfers and Special Transfers. •"Truth in Lending Disclosures" means anyAccount information we provide to you that is required by the federal Truth in Lending Act and Regulation Z. These include your application and solicitation disclosures, Account opening disclosures, subsequent disclosures, Statements and change in terms notices. ~~iinf~t~~ ' 2610 CaEztal ore ~aptt3l {1n~ is a #er'a_ragy r~gistg2~ serer-e mark. A!I rsonts resrru+rc. RV600157 hA-99488 8R 165892 car !u:inner byrxrnnr: ria IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CAPITAL ONE BANK(USA),N.A. C-) Ga CIVIL DIVISION - Plaintiff U)� N Cn C r vs. - r p 'l ROHAN DOOKHARAN y..,C:: 77 59 REGENCY WOODS N ; NO. 12-7439 CIVIL = CARLISLE PA 17015-9064 Defendant PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO THE CLERK OF JUDICIAL RECORDS: Kindly enter judgment by default for failure to respond to Plaintiff's Complaint in the amount of$4,222.80. Notice of the intent to file a default judgment was served upon the Defendant on February 14, 2013. A copy of the Notice of Intent to Take Default Judgment is attached hereto and marked Exhibit"A." Edwin A. Abrahamsen&As es, P.C. a F. Ratchfo quire Attorney I.D.No.: 6285 Attorney for Plai tiff JUDGMENT AND NOW, this oJ10 day of Mara , 20j,2.�, Judgment is hereby entered in favor of the Plaintiff, CAPITAL ONE BANK(USA),N.A. and against the Defendant, ROHAN DOOKHARAN in the amount of$4,222.80 for failure to respond to Plaintiff's Complaint. PROTHONOT J. 4 16.50 po ATry P'W a88aol N'Net Ma�lec� CAPITAL ONE BANK(USA),N.A. Plaintiff In the Court of Common Pleas of CUMBERLAND County,Pennsylvania Civil Division vs. ROHAN DOOKHARAN NO: 12-7439 CIVIL 59 REGENCY WOODS N CARLISLE PA 17015-9064 AFFIDAVIT UNDER SOLDIERS AND SAILORS Defendant RELIEF CIVIL RELIEF ACT OF 1940 AS AMENDED State of Pennsylvania County of CUMBERLAND SS: Michael F. Ratchford, Esquire being duly sworn according to law deposes and says that the above named defendant(s): ROHAN DOOKHARAN is(are)not in the military service of the United States of America as defined by the Soldiers' and Sailors' Civil Relief Act of 1940 as amended; That the defendant(s): ROHAN DOOKHARAN is(are)older than eighteen years of age; That the employment status of the defendant(s): ROHAN DOOKHARAN is(are)unknown. /Uicda(l F. E uire N i Subscrib ed before me this day of Of C-0 a�e. pub 1 anne E.Rupp= ynra GountY 1�0 Notary is o s�Nip �i�zu.... °1:--� IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CAPITAL ONE BANK(USA),N.A. Plaintiff CIVIL DIVISION VS. ROHAN DOOKHARAN NO: 12-7439 CIVIL 59 REGENCY WOODS N CARLISLE PA 17015-9064 Defendant CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on the date indicated below, I served a copy of the Praecipe for Entry of Default Judgment in the above captioned matter by mailing the same via First Class United States mail,postage prepaid addressed as follows: ROHAN DOOKHARAN 59 REGENCY WOODS N CARLISLE PA 17015-9064 Edwin A. Abrahamsen&Associates, P.C. Date: March 22, 2013 ichael F. Ratchford,gEhuill Attorney I.D.No.: 862 120 N. Keyser Avenu Scranton, PA 18504 (570) 558-5510 4 120 N.KE•YSER AVE. FD1'IN A.ABRA1.1AMSEN SCRANTON,PA, 18504-9701 MICI IAEL F.RAM IFORD (P)1-800-503-1665 ffl 570-558-5511 SCOTT J.BEsi, PAl'R1CIA A.COBB RJr T11RN SERVICE REQUESTED THE LAW OFFICE OF EDWIN A.ABRAHAMSEN&ASSOCIATES,PC W W W.EAA-LAW.COM February 15, 2013 ROHAN DOOKHARAN y 59 REGENCY WOODS N CARLISLE PA 17015-9064 Re: CAPITAL ONE BANK{USA),N.A. v. ROHAN DOOKHARAN CUMBERLAND County Civil Action No.:12-7439 CIVIL Our file No.: NA 117594/DMM Dear ROHAN DOOKHARAN: Enclosed,please find the Ten Day Notice of Intent to Take Default in regard�to the above- noted matter. Please act accordingly. If you have any questions or wish to discuss your outstanding account, please contact me at(570)558-5510. 1 Edwin A. Abrahamsen&As es, ichael F. Ratchfo , E uire Enclosure This is a communication from a debt collector in an attempt t collect a debt. Any information will be used for that purpose. 120 N KErSEI AVE SCRANTON,IA 18504 (M 570.551.5510 (11 570.5513511 I - IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(USA),N.A. CIVIL ACTION Plaintiff vs. ROHAN DOOKHARAN NO: 12-7439 CIVIL Defendant TEN DAY NOTICE OF INTENT TO TAKE DEFAULT JUDGMENT To: ROHAN DOOKHARAN 59 REGENCY WOODS N CARLISLE PA 17015-9064 Date of Notice: February 15,2013 IMPORTANT NOTICE PURSUANT TO PA.R.C.P. 237.1(a)(2) YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER AN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER,THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE,PA 17013 717-243-9400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(USA),N.A. CIVIL ACTION Plaintiff vs. . ROHAN DOOKHARAN NO: 12-7439 CIVIL Defendant CERIFICATE OF SERVICE 1, Michael F. Ratchford, Esquire,hereby certify that on February 15, 2013 1 served a copy of the Ten Day Notice of Intent to Take Default in the above captioned matter by mailing the same via First Class United States mail, postage prepaid addressed as follows: ROHAN DOOKHARAN 59 REGENCY WOODS N CARLISLE PA 17015-9064 Edwin A. Abrahamsen & Associates, PIC. 'Y. Mi ael tchford, E wire Attorney I.D.N 0 . 86 120 N Keyser Avenu Scranton, PA 185 (570)558-5510 i I Results as of:Mar-22-2013 09:56:07 Department of Defense Manpower Data Center SCRA 3.0 ��ya�,Y � �tu+F� J y rL�to S Ci1� 1W Aud Last Name: DOOKHARAN First Name: ROHAN Middle Name: Active Duty Status As Of: Mar-22-2013 , x Eft n. r This response s Date NA NA This response rellects left _ Status Date e NA ,,, - , c. NA This response relkcls whether unit figs b report for active duty 4 Upon searching the data banks of the Department of Defense Ma on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. a Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility Reporting System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 et seq,as amended)(SCRA)(formerly known as the Soldiers'and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently on active duty"responses,and has experienced only a small error rate. In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherwise entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil"URL:httpJ/www.defenselink.miVfaq/pis/PC09SLDR.htmi. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification,punitive provisions of the SCRA may be invoked against you. See 50 USC App.§521(c). This response reflects the following information: (1)The individual's Active Duty status on the Active Duty Status Date(2)Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date(3)Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC§101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard,this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC§502(f)for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve(AGR)members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves(TARs),Marine Corps Active Reserve(ARs)and Coast Guard Reserve Program Administrator(RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration(NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC§101(d)(1). Many times orders are amended to extend the period of active duty,which would extend SCRA protections.Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore,some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted,but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name,SSN/date of birth,and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: W29CZA 1 3405B 140 CAPITAL ONE BANK(USA),N.A. In the Court of Common Pleas of Plaintiff CUMBERLAND County,Pennsylvania Civil Div sion vs. ROHAN DOOKHARAN 59 REGENCY WOODS N CARLISLE PA 17015-9064 NO: 12-7439 CIVIL Defendant NOTICE OF FILING JUDGMENT Notice is hereby given that a money judgment in the above-captioned matter has een entered against you in the amount of$ /{ aaa,SO on i/a ` j By: If you have any questions regarding this notice,please contact the filing party: Edwin A. Abrahamsen&Associates 120 N. Keyser Avenue Scranton, PA 18504 Telephone: (570)-558-5510 (Notice is given in accordance with PA Supreme Court Rule of Civil Procedure No. 236)