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HomeMy WebLinkAbout13-2007 Supreme Co -,ro Pensylvania Con ; of =Commok n leas For Prothonotary Use Only: Ci ilCiiv r . Sh Docket No: fpp} t Cu 8 RLQN[)''� i t�H County I3 -a o01 l:ivi►Tery The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required by law or rules of court. Commencement of Action: S ❑ Complaint ❑ Writ of Summons ❑ Petition ❑ Transfer from Another Jurisdiction Q Declaration of Taking C. Lead Plaintiff's Name: lead Defendant's Name: T CAPITAL ONE BANK MARGARET S. LORI I Are money damages requested? Q Yes [3 No Dollar Amount Requested: Owithin arbitration limits 0 (check one) ❑outside arbitration limits N Is this a Class Action Suit? Q Yes El No Is this an MDJAppeal? M Yes ❑ No A Name of Plaintiff /Appellant's Attorney: ROBERT D. KLINGENSMITH, ATTORNEY FOR DEFENDANT ❑ Check here if you have no attorney (are a Self- Represented [Pro Se] Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your ! PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution 0 Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle Q Debt Collection: Other Q Board of Elections ❑ Nuisance Dept. of Transportation S [I Premises Liability Statutory Appeal: Other ❑ Product Liability (does not include E mass tort) Q Employment Dispute: ❑ Slander/Libel/ Defamation Discrimination C [3 Other: ❑ Employment Dispute: Other [3 Zoning Board T E3 Other: I ❑ Other: O MASS TORT ❑ Asbestos N ❑ Tobacco ❑ Toxic Tort - DES Q Toxic Ton - Implant REAL PROPERTY MISCELLANEOUS ❑ Toxic Waste Q Other. ❑Ejectment Q Common Law /Statutory Arbitration B ❑ Eminent Domain /Condemnation ❑ Declaratory Judgment ❑ Ground Rent ® Mandamus ❑ Landlord/Tenant Dispute Non- Domestic Relations PROFESSIONAL LIABILITY E3 Mortgage Foreclosure: Residential Restraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental Q Partition ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: 4 Q Medical ❑ Other: ❑ Other Professional: I f Updated 11111011 ORIGINAL r ' COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District, County Of FROM CUMBERLAND MAGISTERIAL DISTRICT JUDGE JUDGMENT COMMON PLEAS No. 13- aM7 & N 1( lerM 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. NAME OF APPELLANT MAG. DIST. NO. NAME "A MARGARET S. LORI CV -33 -2013 ENDA M. KNEPPER ADDRESS OF APPELLANT CRY STATE ZIPCODE 801 GRANTHAM ROAD MECHANICSBURG, PA 17055 DATE OF JUDGMENT a,n, en an 3/22/2013 CAPITAL ONE BANK MARGARET S. LORI DOCKET No SIGNATURE OF APPELLANT OR ATTORNEY OR AGENT CV -33 -2013 ; This block will be signed ONLY when this notation is required under Pa. If appellant was Claimant (see Pa. R.C.P. .J. No. 1001(6) in action R.C.P.D.J. No. 10088. 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 SUPERSEDEAS to the judgment for possession in this case. within twenty (20) days after filing the NOTICE of APPEAL. Signature a Prothonotary or Oepury 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 CAPITAL ONE BANK Enter rule upon appellee(s), to file a complaint in this appeal Name of appellees) (Common Pleas No. 13' ab07 l�IV1ITY ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or attorney or agent RULE: To CAPITAL ONE BANK , appellee(s) ame of appall a (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 MAYBE ENTERED AGAINST YOU. (3), date of service of this rule if service was by mail is the date of the mailin r, jr \J .Date: _JL520/ '. Signature of Prothonotary or Deputy YOU MUST A COPY OF THE NOTICE OF JUDGMENT /TRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. 103.50 PbpTN AOPC 312 -05 8 # 3 q b q G COMMONWEALTH OF PENNSYLVANIA Notice of Judgment/Transcript Civil COUNTY OF CUMBERLAND Case Mag. Dist. No: MDJ- 09 -3 -05 Capital One Bank (USA), N.A. MDJ Name: Honorable Brenda M. Knepper V. Address: 507 North York Street Margaret S Lori Mechanicsburg, PA 17055 Telephone: 717- 766 -4575 Margaret S Lori Docket No: MJ- 09305 -CV- 0000033 -2013 801 Grantham Rd Case Filed: 2/13/2013 Mechanicsburg, PA 17055 -5885 _ — __._______— Disposition Summary Docket No Plainti Defendant Disposition Disposition Date MJ- 09305 -CV- 0000033 -2013 Capital One Bank (USA), N.A. Margaret S Lori Default Judgment for Plaintiff 03/22/2013 Judgment Summary Participant Joint/Several Liability Individual Liability Amoun Capital One Bank (USA), N.A. $0.00 $0.00 $0.00 Margaret S Lori $0.00 $2,511.88 $2,511.88 Judgment"Detail ( " Post Judgment) In the matter of Capital One Bank (USA), N.A. vs. Margaret S Lori on 3/22/2013 the judgment was awarded as follows: Judoment Component Joint/Several Liability Individual Liability DeoositApplied Amoun Civil Judgment $0.00 $2,394.38 $2,394.38 Filing Fees $0.00 $117.50 $117.50 Grand Total: $2,511.88 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARYICLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENTITRANSCRIPT 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. Date Magisterial District Judge Brenda M. Knepper o certify that this is a true and correct copy of the record of the proceedings containing the judgment. Date Magisterial District Judge MDJS315 Page 1 of Printed: 03122/201310:33:22AM Capital One Bank (USA), N.A. Docket No.: MJ- 09305 -CV- 0000033 -2013 V. Margaret S Lori Participant List Private(s) Attorney Michael F. Ratchford, Esq. Edwin Abrahamsen & Associates, P.C. 120 N. Keyser Avenue Scranton, PA 18504 Plaintiff(s) Capital One Bank (USA), N.A. 4851 Cox Road Glen Allen, VA 23060 Defendant(s) Margaret S Lori 801 Grantham Rd Mechanicsburg, PA 17055 -5885 MDJS 315 Page 2 of 2 Printed: 03/22/2013 10:33:22AM Ot- THEE p' OF IC's, Q TA 1013 APR 22 .ptl 1: CU PENS Y LVANlq ` PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN(10)DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF D ko ;ss AFFIDAVIT: I hereby(swear)(affirm)that I served a copy of the Notice of Appeal,Common Pleas NO._ _, upon the Magisterial District Judge designated therein on (date of service)'A-I—b,201 ❑ by personal service � by(certified)(registered)mail, sender's receipt attached hereto,and upon the appellee,(name)�P,on �� ,� L- 11,201 ❑by personal serviceLJ by(certified)(registered)mail, sender's receipt attached hereto. (SWORN(AFFIRMED)AND SU SCRIBED BEFORE ME THIS DAY OF l(,20 t Signature of official before whom affidavit was made Signature of 96ant COMMONWEALTH OF PENNSYLVANIA TWp_of official Notarial Seal Gretchen T.DeWitt,Notary Public M commission expires onto 20 Somerset eoro,Somerset County Y P My Commission Expires Oct.15,2016 MEMBER,PENNSYLVANIA ASSOCIAYION OF NOTARIES AOPC 312A-05 RECEIPT U.S. Postal Service-,. CERTIFIED MAIL. rl (Domesti For delivery information visit i Q N Ir sJ4 t S C�VSi{• c �L•� Y L .U S•E l� 1.4G (,-- Postage $ �•�� Co. 3b.tas t s't Certified Fee r� C3 Return Receipt Fee ��� C3 (Endorsement Required) 7°f° ResMcted DelNery Fee _(% add O (Endorsement Required) A _n Total Postage&Fees ra Sent ro TWOS Street, ------.; 1-3 or PO Box No. \ ^ ry�( � P- ----------------I---Q � -- - ..ADZ - � ......... City,State,ZIP+4 PS Form :00 August 2006 f U.S. Postal (Domestic CERTIFIED MAILT. RECEIPT cO Only, . Insurance Coverage r%-- For delivery information visit ur website at Er _a t �1+� 4 S Y 11aP •� A. •11.r v_•.ry jCPPostmark N Postage $CO Certified Fee r 0 Return Receipt Fee `•= �0 (Endorsement Required) �elNery Fee f l.i I�(Endorsement Rquired)-•n Total Postage&Fees $ t .ti nt To M n �[� \ t e]Q_l�ec�._ .:!?f ._!:,J 4C� l1Ji.)..J-..[�J•J�:--------- C3 StieetWpt:Tlo.; O or PO Box No. ( ��, 0— ��d �` o------------ ...... _.._...... -'...................... C State,Zl PS Form :00 August 2006 See Reverse for Instructions U.S. Postal CERTIFIED . RECEIPT (Domestic Ln Only; ru [�- � CIA LJUSE CJ ._.: (%- Postage $ CO f'v.YV Certified Fee r ,a r9 Cl Return Receipt Fee PO p (Endorsement Required) Restricted Delivery Fee 11,I'1 \� O O (Endorsement Required) �' #iJ.ii r14r'i$l�l1i 5' -n Total Postage&Fees $ /-9 ent To ru � or PO Box No. - �~ a-&a.`� 4►3.X11. 1C!�.�------ City,State,Z/P+4 1 lO 'PS Form :0r August 2006 See Reverse for Instructions IN THE COURT OF COMMON PLEAS OF c� CUMBERLAND COUNTY,PENNSYLVANIA Capital One Bank(USA),N.A., rn rn CIVIL DIVISION '. Plaintiff Zo X" o- c3 c5 VS. Margaret S Lori, NO: 13-2007 Defendant CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that I caused a true and correct copy of Plaintiffs Complaint was served via first class United States Mail, postage prepaid on the date set forth below upon the following: Robert D. Klingensmith, Esq. 209 West Patriot Street, Somerset, PA 15501 Edwin A. Abrahamsen & Associates !I Date: April 2* 2013 AMicha 4Ratchford,9quire Attorney I.D.Nos. 86285 120 N Keyser Av nue Scranton, PA 1 504 (570) 558-5510 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 vs. NO: 13-2007 Margaret S Lori 801 Grantham Rd Mechanicsburg, PA 17055-5885 Defendant NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice to Defend are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE ;k LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 X w 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 vs. NO: 13-2007 Margaret S Lori 801 Grantham Rd Mechanicsburg, PA 17055-5885 Defendant COMPLAINT Plaintiff, Capital One Bank(USA),N.A., by and through its attorneys, Edwin A. Abrahamsen&Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, Capital One Bank(USA),N.A., (hereinafter "Plaintiff') is a corporation with a principal place of business located at 4851 Cox Road Glen Allen, VA 23060. 2. The Defendant Margaret S Lori (hereinafter "Defendant") is an adult individual residing at 801 Grantham Rd Mechanicsburg, PA 17055-5885. 3. Defendant applied for and received a credit card issued by Capital One Bank (USA),N.A. with the account number ending in 2299. 4. Use of the Capital One Bank(USA),N.A. credit card was subject to the terms and considerations of the Cardmember Agreement(hereinafter "Agreement"), a copy of which was sent to the Defendant along with the credit card.(See, Cardmember Agreement attached hereto as Exhibit "A.") 5. Defendant used the Capital One Bank(USA),N.A. credit card account number ending in 2299, for purchases, cash advances and/or balance transfers. 6. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 7. The Defendant last made payment on December 14, 2011. 8. The total amount due and owing the Plaintiff is $2,394.38. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of$2,394.38 plus costs of suit and any other relief as the Court deems just and appropriate. Res ect lly b 'tted Mich ae F. Ratchf d, E quire Attorney I.D. No : 86285 120 N. Keyser e Scranton, PA 1 504 mratchford @e -law.com Phone: 800-503-1665 Fax: 570-558-5511 VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff, CAPITAL ONE BANK(USA),N.A., am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable bylaw pursuant to 18 C.S.A. 4904. AMichaellRatchfrsquire EXHIBIT A Capital One® Customer Agreement Welcome to Capital One.® You may also update some of this information by logging Thank you for opening a credit Card Account with us.This onto your Account on our website or by calling one of our Customer Agreement("Agreement")contains the terms for representatives at the telephone number provided on your your Capital One credit Card. Statement or on the back of your Card.We may require you to provide additional documents that are acceptable to us to Some Definitions. verify this information or any changes.We maintain the right The meanings of the terms you see in italics appear in to restrict or close your Account if your information cannot the Glossary Section.To make the Agreement easy be verified or if you do not provide additional information as to understand,we will also use the following persona[ requested. t . pronouns: Credit Limits. "You," your and "yourself"mean each applicant and co- When you open your Account,you will receive your credit applicant for the Account;any person responsible for paying limits.These will also appear on your Statements.We might the Account;and anyone You authorize to use,access or also refer to your credit limits as your credit lines.We may give service the Account. It also includes an Authorized User as you different credit limits for the different Segments of your defined in the Glossary Section. Account, For example,you might have a different credit limit "We," "us," "our"and "Capital One" mean Capital One for purchases than for Cash Advances. Bank(USA), National Association;and its agents, authorized representatives,successors, and assignees. You are responsible for keeping track of your Account balances and your available credit limits. Do not allow Account Documents. your Account to go over any credit limit even if you have Your Account with us is governed by the following authorized us to charge you an overlimit Fee for doing so, documents: as described in the Interest Charges and Fees section.We ill honor transactions above your credit limits,but our (1)this document; may of these transactions will not increase your credit (2)all Statements; limit. (3)all rewards information and documentation if your Account has rewards, We may also increase, decrease, restrict or cancel your credit (4) an Privacy Notices describing our limitations on sharing limit on any Segment at any time.This will not affect your invormation about ou with others; obligation to pay us. (5)your Card benefits grochure which describes benefits provided by the Payment Card Network for your Card and Using Your Account. Account,The most current version of your Card benefits You promise to follow the terms of this Agreement as long brochure will replace all prior versions; as your Account remains open or has a balance. Please sign (6)the"Security"Agreement if you have a secured Card, the Card immediately when you receive it.The Card is valid (7)all disclosures and materials provided to you before during 1h d -provided on the front.The Card is our or when you opened your Account, including Truth in rov return it to us or destroy it if we ask. prop' e dates p 11 1 er and you i You wiy Lending Disclosures; I �ake reasownabl e steps to prevent the unauthorized (8)all other documents and disclosures relating to your use of your Card and Account. Account including those provided online;and (9)any future changes we make to any of the above things. We are not responsible if anyone refuses to accept your Card for any reason.Also,we may reject any transaction for Please read these carefully and keep them for future any reason. Unless we tell you otherwise,we will bill each reference.An image of any of these can be used instead of transaction to the applicable Segment of your Account and the original. apply it against your available credit limit for the Account and Car, for that Segment in each Billing Cycle. New Offers. In the future,we might make new offers to you or forward You may also obtain Cash Advances and Transfers if they are offers from others that we think you might be interested permitted for your Account. Unless we agree,you may not in.These offers may have new or different terms and use a Transfer to transfer amounts from other Accounts with documentation for these offers will be rovided when we us or any other company within the Capital One organization. make you the offer. If you accept the offer,your previously disclosed terms will still apply except as modified by the offer. You must not use,or try to use,the Card for any Internet gambling transactions or transactions that are illegal or not Account Information. permitted by us.You will still be responsible if you do.In We need information about you to manage your Account. addition,these transactions will be subject to this Agreement, The information we need includes: and you might have to reimburse the Payment Card Network (1)your legal name; and us for all damages and expenses. (2)a valid U.S. mailing address and residential address(if From time to time,due to circumstances beyond our control different); (such as system failures,fires,floods,natural disasters or other (3)your date of birth; unpredictable events)our services might be unavailable.When (4)your social security number or other government this happens,you might be unable to use your Card or obtain identification number; information about your Account.We will not be responsible or 1,5)your telephone number(s);and liable if this happens. (6)your employment and income information. Rewards. You must tell us when this information changes.Please update Your Account might provide you with the opportunity to earn your address in the manner provided on your Statement. rewards. If it does,we will separately provide you with all i information and terms about our rewards.We will include your request,we will need certain information about the on your Statements all rewards you have earned. It might Authorized User to manage your Account.This will be the take up to two Billing Cycles for your earned rewards to same information you provided about yourself as described appear on your Statement. in the Account Information Section.We may limit an Authorized User's ability to initiate certain transactions. If we Using Your Access Checks. do,we will tell you about these limitations before adding any When we provide you with Access Checks,we will tell you new Authorized User on your Account. whether we will treat them as purchases, Balance Transfers, Cash Advances or Special Transfers. Once we add an Authorized User to your Account,we may discuss your Account with them and provide them Only the person we designate may use Access Checks.Access with Account information.You will be responsible for the Checks may not be used to pay any amount you owe us or Authorized User's use of the Card and your Account as well any other company within the Capital One organization.We as anyone else they allow to use your Card or Account.This may reject and not pay any Access Check for any reason. will be true even if you did not want, or agree to, the use. Some examples of reasons why we may reject and not pay include:yourAccount is delinquent, charged-off, bankrupt, Removing an Authorized User. lost/stolen or closed; our fraud system prevents the offer If you want to remove an Authorized User from the Account, fulfillment;yourAccount is overlimit;or the checks have you must contact us as provided on your Statement and expired.Any liability for our wrongful dishonor of an Access request their removal.We will have a reasonable amount of Check will be limited to your actual damages and will not time after your request to research the situation and remove exceed the amount of the Access Check. them.You also must immediately destroy all Cards in their possession and cancel all of their billing arrangements to When you use an Access Check,you will have fewer rights to the Account.We will not do this for you. During this time, dispute merchant transactions than with other uses of your you still will be responsible for all amounts they charge to the Card. Please see the'Billing Rights Summary" part of your Account.You will be responsible even if these amounts do not Statement and your other Truth in Lending Disclosures for appear on the Account until later.An Authorized User may more information. remove themselves from the Account upon request. Stopping Payment of Access Checks. We may close your existing Account and/or issue a new Card You may request a stop payment on any Access Check by with a new Account number. contacting us as provided on your Statement.We may charge you a Fee to stop payment as described in the Interest Your Promise to Pay. Charges and Fees section. If you call us to stop payment,you You promise individually and jointly to pay us all amounts due must also send to us a written request within 14 calendar days. on your Account.This includes amounts where you did not sign a purchase slip or other documents for the transaction. i We will have a reasonable amount of time after your stop If you use your Card number without presenting your actual payment request to research the situation and complete it. Card(such as for mail, telephone or Internet purchases), We will not be responsible if we cannot complete the stop this will be treated the same way as if you used the Card payment because the Access Check was already paid,you do in person. If you let someone else use your Card,you are not give us the information we asked for or the information responsible for all transactions that person makes.Your you gave us was incorrect. If we cannot stop payment for promise to pay us will apply to your estate if you die. these reasons,we may still keep the stop payment Fee. i Statements. j Once we complete a stop payment,we do not have to release We will send you one Statement for all Cards on your the stop payment order unless the same person asks us to. Account unless the law does not require or permit us to If we re-credit your Account after paying an Access Check send a Statement.Statements will be sent at the end of following a valid stop payment order,you give us all of your each Billing Cycle when yourAccount has a debit or credit rights against the payee or other holder of the paid Access balance of more than $1.00, or if we have charged any Check.You also agree to help us in any actions we might Interest Charges to yourAccount.Your Statement will show later take against that person. all transactions billed to yourAccount during the Billing Cycle along with other important Account information. Using a PIN. { We may give you a personal identification number(PIN).For Disputed Transactions. security reasons,you might have to provide the PIN before You must inspect each Statement you receive and tell us you are able to complete some transactions using the Card. about any errors or questions you have as described in the"Billing Rights Summary" part of your Statement and With a PIN,you may use your Card to:(1) obtain cash other Truth in Lending Disclosures. If you do not notify us from certain automated teller machines(ATM) or(2) make as provided in those disclosures,we may assume that all 1 purchases at certain merchant or retailer point-of-sale devices information in the Statement is correct. {POS).You may do these things if the ATM or POS requires entry of a PIN and displays the logo of the Payment Card if you dispute a transaction made by you or someone else on Network on your Card.We will treat all ATM transactions as your Account,and we later credit your Account for all or part Cash Advances and all POS transactions as purchases. of the disputed amount,you give us all of your rights against that other person.You also will: You should keep your PIN secure and not write it down,give it to anyone,or keep it with your Card. If you lose your Card or (1)give us any merchandise or other purchases you received i believe that someone has gained unauthorized access to your in connection with the disputed amount if we ask; PIN,you must contact us immediately. (2) not pursue any claim or reimbursement from the merchant and that other person;and Authorized Users. (3) help us pursue and get reimbursement from the merchant } You may ask us to add one or more Authorized Users and that other person;your help includes giving us with additional Cards on your Account. If we agree to documents that we ask for and that are acceptable to us. i i E j Interest Charges and Fees. Merchant Refunds. We will charge Interest Charges and Fees to your Account as If you are entitled to a refund for goods or services purchased disclosed to you in your Statements and other Truth in Lending with your Card,you will accept these refunds as credits to the Disclosures. In general,Interest Charges begin to accrue from purchase Segment of your Account.We do not control when a '. the day a transaction occurs. However,we will not charge you merchant sends us your refund.We will also have a reasonable interest on any new balances posted to the purchase Segment amount of time after we receive your refund to process it. of Your Account provided you have paid your previous balance in full by the due date. Minimum Payment. We will treat the following Fees as purchase transactions unless Your Statement will provide instructions for making payments, otherwise specified below.These Fees apply to your Account including the amounts due and the due date for receiving only if they are provided in your Truth in Lending Disclosures. your payment. If applicable,your Statement will also include a We may increase your Interest Charges and Fees as described in minimum payment amount.To avoid a late payment Fee,you the Changes to Your Agreement section or in your Truth in must pay us at least this minimum payment amount by the due Lending Disclosures. date provided in the Statement. If you have agreed to incur Fees for going over your credit limit, be aware that paying only the • Membership Fee.We may charge you this Fee as early as minimum payment amount might not be enough to avoid an your first Billing Cycle or the first Billing Cycle after this Fee overlimit Fee. becomes effective. If it is an annual Fee,we may then charge In addition to the minimum payment,you may pay all or part _it approximately once per year, if it is a monthly Fee,we may of the total balances on your Account. However,you must still charge it once.in each Billing Cycle.This Fee is payable in pay at least the minimum payment amount each month, even if advance even if you do not use your Account. you paid greater than the minimum on the previous Statement. 's We will continue to charge Interest Charges during Billing Cycles • Late Payment Fee.We may charge you this Fee if we do not when you carry a balance regardless of whether your Statement receive your payment in time for us to credit it by the due date includes a minimum payment that is due. If your Account is 180 shown on your Statement. days past due, part of a bankruptcy proceeding or otherwise charges off,the entire balance is immediately due and payable. • 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 Making Payments. credit limits during any Billing Cycle.We may also charge you Your payments must be in U.S.dollars from a U.S deposit two additional Fees if your balance remains over your credit account and otherwise be acceptable to us.We do not accept limits as of the payment due date in future Billing Cycles.You cash payments through the mail.You may not make payments will only pay one Fee per Billing Cycle,even if you go over your with funds from your Account or any other credit account with j limit multiple times in the same cycle. us or any other company within the Capital One organization. E • Returned Payment Fee.We may charge you this Fee each time Mailed Payments. any payment you make to us is not paid by your financial You must mail payments to us at the address provided on your institution for any reason, even if that institution later pays it. Statement or as otherwise instructed by us or our agents. We will credit it to your Account on the day we receive it, if: • Returned Access Check Fee.We may charge you this Fee if we do not pay an Access Check for any reason, including when (1)you send the payment coupon included with your Statement your Account is in default, overlimit, suspended or closed. in the same envelope with your payment; • Stop Payment Fee. We may charge you this Fee each time you (2)you include your Account number on your payment;and request us to stop payment on an Access Check or you renew an existing stop payment order as provided in the Stopping (3)your payment arrives at the address indicated on the Payment of Access Checks section. payment coupon in our processing center by the time indicated on your Statement. • Copying Fee.We may charge you a per-page Fee for copies of transaction documents or Statements unless they are required If your due date occurs on a day on which we do not receive in resolving a billing dispute. payments, any payment received the next day which conforms to the above requirements will not be treated as late. • Cash Advance Fee,We may charge you this Fee each time you obtain a Cash Advance.This Fee will be treated as a Cash Please allow at least 7 days for postal delivery. Unless we or our Advance transaction. agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any other • Transfer Fee.We may charge you this Fee each time you form might not be credited for up to 5 days.This might cause ' obtain a Transfer.This Fee will be treated either as a Special you to be charged late payment Fees and additional interest f Transfer or purchase transaction depending on the Segment in Charges. which the Transfer posts, Faster Payment Services. Transactions Made in Foreign Currencies. We may make services available that allow you to make faster i If you make a transaction in a foreign currency,the Payment payments through a customer service representative using Card Network will convert it into a U.S. dollar amount. a telephone,the Internet or other payment system.We will The Payment Card Network will use its currency conversion describe the terms for using these services before you use them. procedures in effect when it processes the transaction.The You do not have to use these other payment services, and we E conversion rate in effect on the processing date might differ may charge you a Fee for using them. If we do,we will tell from the rate in effect on the transaction or posting date. We you the amount of the Fee at the time you request the service. do not currently adjust the currency exchange rate or charge any We are not responsible if a payment made using our payment additional currency conversion Fees. services is rejected or not paid. Even if it is,we may still keep the No Warranties. Fes' Except as otherwise provided in the"Billing Rights Summary" if you give your Account number or other Account information part of your Statements, we are not responsible for any claim to someone else to make a payment for you,we may provide you might have regarding the purchases of goods or services Account information to them and process their payment as if ! made with your Card. I i i i you made it.We may refuse to accept any payment made by (6)we determine that you made a false, incomplete someone else for your Account. If we accept a payment made or misleading statement on any of your Account by someone else for your Account,you will be responsible documentation, or you otherwise tried to defraud us; for the payment made even if that payment is rejected or not (7)you do not comply with any term of this Agreement or paid. any other agreement with us; or (8)you permanently reside outside the United States. Payment Processing. We may accept and process payments without losing For certain actions,including changing the rates and Fees any of our rights.Even if we credit your payment to your on your Account,our options appear in our original offer Account,we may delay the availability of credit until we materials when you opened your Account. Remember, paying confirm that your payment has cleared.We may resubmit the Fees charged in connection with a default will not by itself and electronically collect returned payments.We may also cure the default. In addition,if you are in default,we may take adjust your Account as necessary to correct errors,to process the following actions without notifying you,unless the law says returned and reversed payments, and to handle similar issues, that we must notify you: When you provide an Item as payment,you authorize us (1)close or suspend your Account; either to use information from your Item to make a one time (2) lower your credit limits; t. electronic fund transfer from your deposit account or to (3) increase your minimum payment; process the payment as an Item.We will provide additional (4)demand that you immediately pay the entire balances information about this process on your Statement or other owing on your Account(for example, as described in the documents we send you before your payment.You may Minimum Payment section); contact us and ask that we not process your future Items in (5)continue to charge you Interest Charges and Fees as long this way. as your balances remain outstanding; and/or (6) pursue any other action against you that the law allows, When you provide an Item as payment, it might also be which includes the filing of a lawsuit against you, converted into an electronic image and collected and returned You must pay us all of our collection expenses, attorneys'fees electronically.These electronic images may also be converted and court costs unless the law does not allow us to collect to substitute checks.We will not be responsible if an Item you these amounts. provide has physical features that when imaged result in it not ' being processed as you intended, Communications. i We may contact you from time to time regarding your I How We Apply Your Payments. Account.We may contact you in any manner we choose unless We apply your minimum payments to lower Annual the law says that we cannot.For example,we may: Percentage Rate balances before higher ones.We apply any portion of your payment, in excess of your minimum (1)contact you by mail, telephone, email, fax, recorded payment, to higher Annual Percentage Rate balances before message,text message or personal visit; lower ones. (2)contact you using an automated dialing or similar device ("Autodialer"); Items with Restrictive Words, Conditions (3)contact you at your home and at your place of or Instructions. employment; All Items that have restrictive words,conditions, limitations (4)contact you on your mobile telephone; or special instructions added (including Items marked (5)contact you at any time, including weekends and holidays; i with the words"Paid in Full"or similar language)and all (6)contact you with any frequency, accompanying communications must be mailed to and (7) leave prerecorded and other messages on your answering received at: Capital One, P.O. Sox 30285,Salt Lake City, machine/service and with others;and UT 84130-0285. If you make your payment or send any (8) identify ourselves,your relationship with us and our •. accompanying communications to any other address,we may purpose for contacting you even if others might hear or accept and process the payment without losing any of our read it. ri g hts. Our contacts with you about your Account are not unsolicited I Credit Balances. and might result from information we obtain from you or We may reject and return to you any payment that creates a others.We may monitor or record any conversation or other credit balance on your Account.Any credit balance we allow communication with you. Unless the law says we cannot, will not be available until we confirm that your payment has we may modify or suppress caller ID and similar services cleared.We may reduce the amount of any credit balance by and identify ourselves on these services in any manner any new amounts billed to your Account.You may contact us we choose.When you give us or we obtain your mobile as provided on your Statement and request a refund of any telephone number,we may contact you at this number using available credit balance. If you contact us in writing,we will an Autodialer and can also leave prerecorded and other refund your credit balance within 7 Business Days from our messages.We may do these things whether we contact you receipt of your written request. or you contact us, Account Default. If you ask us to discuss your Account with someone else,you We may consider you in default of your Agreement with us if: must provide us with documents that we ask for and that are acceptable to us. 1 (1)you do not make any payment when it is due; (2)any payment you make is rejected, not paid or cannot be Credit Reports. processed; We may provide information about you and the Account to (3)you exceed a credit limit; consumer(credit) reporting agencies and others as provided (4)a bankruptcy or other insolvency proceeding is filed by or in our Privacy Notices. Information we provide might appear i against you; on your and the Authorize Users'credit reports.This could (5)you die or are legally declared incompetent or include negative information if you do not comply with the incapacitated; terms of this Agreement.We may obtain and use credit i and income information about you from consumer(credit) period for all provisions and purposes under this Agreement 1 reporting agencies and others as the law allows. (including the right to collect debt)will be the longer period provided by Virginia or the jurisdiction where you live. If any Closing or Suspending Your Account. part of this Agreement is found to be unenforceable,the You may ask us to close your Account by calling or writing us remaining parts will remain in effect. j as described on your Statement.Your Statement will provide additional information about this process, and we may also Waiver separately provide you with additional details after your We will not lose any of our rights if we delay taking any request.This might include payment information. If you use action for any reason or if we do not notify you. For example, your Card or charges post to your Account after you ask us to we may waive your Interest Charges or Fees without notifying close it,we may keep it open or reopen it. you and without losing our right to charge them in the I future.We may always enforce our rights later and may take We may close or suspend your Account and your right to other actions not listed in this Agreement if the law allows obtain credit from us.We may do this at any time and for them.You do not have to receive notice from us of any any reason, permitted by law, even if you are not in default. waiver, delay, demand or dishonor.We may proceed against A suspension of your Account might be permanent or you before proceeding against someone else. temporary. Assignment. If your Account is closed or suspended for any reason,you This Agreement will be binding on, and benefit,any of your ;- must stop using your Card.You must also cancel all billing and our successors and assigns. arrangements to the Account.We will not do this for you. If we close or permanently suspend your Account,you must You may not transfer your Account or your Agreement to also destroy all Cards.You must still pay us all amounts you someone else without our written permission. i owe on the Account,even if they are charged after your Account is closed or suspended. We may transfer your Account and this Agreement to ; another company or person without your permission and Lost or Stolen Card. without prior notice to you.They will take our place under You will take reasonable steps to prevent the unauthorized this Agreement.You must pay them and perform all of your use of your Card and Account. If your Card is lost or obligations to them and not us.If you pay us after you are stolen or if someone else might be using it without your informed or learn that we have transferred your Account or permission,you must tell us at once.You may tell us by this Agreement,we can handle your payment in anyway calling the telephone number on the back of your Card or we think is reasonable.This includes returning the payment on your Statement or by writing us at the address on your to you or forwarding the payment to the other company or Statement.You will not be responsible for charges made to person. your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made Glossary. using your Card,you will help us investigate, pursue and -"Access Check" means any check we send to you to access get reimbursement from the wrongdoer.Your help includes your Account.We may also refer to an Access Check as a giving us documents that we ask for and that are acceptable "convenience check" or a"purchase check." ' to us. *"Account" means your Card Account with us. ; Changes to Your Agreement. At any time,we may add,delete or change any term of this •`Authorized User"means one or more persons who may Agreement unless the law prohibits us from doing so.We will use the Card but is not responsible for the repayment of the give ou notice of any changes as required by law, If we do Account. notify you of changes,we will send you a separate notice or inform you on your Statement.We may send this notice to -"Balance Transfer"means a Transfer posted to the you electronically as permitted by law. Our notice will tell you purchase Segment of your Account unless otherwise, when and how the changes will take effect and describe any described in your Truth in Lending.Disclosures. rights you have in connection with the changes. •"Billing Cycle" means a period of time that might vary Your variable Annual Percentage Rates(if applicable)can go in length but is approximately 30 days.The specific period i up or down as the index for the rate goes up or down. If we of time is described on each Statement. However,you will i increase your Interest Charges for any other reason we will have a Billing Cycle even if a Statement is not required. notify you in writing.If we increase your Fees or other terms We will often specify a Billing Cycle by the month in which of your Account we will notify you in writing and inform you its closing date occurs as provided on the Statement. For of your options in advance, including the right to opt out of example, a "March Billing Cycle"will have a closing date some of these changes. in March.We may also refer to a Billing Cycle as a "Billing Period." If your Account balance has charged off,we may We may increase your Interest Charges for new transactions switch to quarterly Billing Cycles to your Account. and your Fees after the first year of the Account.Also, if your payment is not received within 60 days after the payment *"Business Day" means any day in which Capital One's due date,we may increase your Interest Charges and Fees for offices are open for the processing of payments and credits. existing balances and new transactions at any time.We may change any other terms of your Account at any time. -"Card"means any Capital One credit Card associated with your Account,which includes all renewals and substitutions.It also i The Law that Applies to Your Agreement. means any other access device for your Account we give you j We make decisions to grant credit and issue you a Card from that allows you to obtain credit,including any Account number our offices in Virginia.This Agreement will be interpreted using and any Access Check. Virginia law. Federal law will be used when it applies. You waive any applicable statute of limitations as the law -"Cash Advance"means using the Card to obtain loans j allows.Otherwise,the applicable statute of limitations in cash or things we consider cash equivalents. Cash i i i equivalents include wire transfers,travelers'checks, money orders,foreign currency,lottery tickets,gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account and not to your purchase Segment. •"Fees"means charges imposed on your Account that are not based on the Annual Percentage Rates. •"Interest Charges"means any charges to your Account based on the application of Annual Percentage Rates. •"Item" means a_check, draft, money order or other negotiable instrument you use to pay your Account.This includes any image of these instruments.This does not include an Access Check. i •"Payment Card Network" means Visa Inc., MasterCard International Incorporated,or any other network provider displayed on the Card. i •"Segments"means the different parts of your Account we may establish that are subject to unique pricing, grace periods or other terms.We create these parts of your Account for such things as your purchases, Cash Advances and Special Transfers. •"Special Transfer"means a Transfer posted to the Special Transfer Segment of your Account and not to.your purchase Segment. ' *"Statement" means a document or information we provide to you showing Account information including, .. among other things,transactions made to your Account during a Billing Cycle.We might also refer to your Statement as a "Periodic Statement"or a "Billing Statement." -"Transfers" means balances transferred from other Accounts to this Account and includes Balance Transfers and Special Transfers. -"Truth in Lending Disclosures"means any Account information we provide to you that is required by the federal Truth in Lending Act and Regulation Z.These include your application and solicitation disclosures,Account i opening disclosures, subsequent disclosures,Statements and change in terms notices. I f t:2010 Ca{rtal Ors :giptul Ore is a c'arali;r gistrs2d sari-@ mark M Hght5 teist+n d. RV600157 M-99488 QR165892 cor cu tor,,ag£ m, co" I i S j S S I r IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(U.S.A.), N.A. Plaintiff CIVIL ACTION-LAW V. NO: 13-2007 PRAECIPE TO ENTER APPEARANCE MARGARET S. LORI Defendant Filed on Behalf of Defendant: MARGARET S. LORI =M Counsel of Record: r—= C' , )>c"i Robert D. Klingensmith, Esquire =(=) PA I.D. #313960 HAROLD SHEPLEY &ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (814)444-0500 (814)444-0600 (fax) rklingensmithC shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(U.S.A.), N.A. Plaintiff CIVIL ACTION-LAW V. NO: 13-2007 MARGARET S. LORI Defendant PRAECIPE TO ENTER APPEARANCE TO THE PROTHONOTARY: Kindly enter the appearance of ROBERT D. KLINGENSMITH, ESQUIRE and the law firm of HAROLD SHEPLEY &ASSOCIATES, LLC, on behalf of the Defendant, MARGARET S. LORI, in the above captioned matter. Date Robert D. Klingensmith, Esquire Attorney for the Defendant Harold Shepley and Associates, LLC 209 West Patriot Street Somerset, PA 15501 (814)444-0500 (814)444-0600 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(U.S.A.), N.A. Plaintiff CIVIL ACTION-LAW V. NO: 13-2007 PRELIMINARY OBJECTIONS MARGARET S. LORI Defendant -< , Filed on Behalf of Defendant: .r"C-) MARGARET S. LORI xa Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. #313960 HAROLD SHEPLEY &ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (877) 827-9006 (814) 445-3976 (fax) rklin.ensmith@ shepleylaw.cotn IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(U.S.A.), N.A. Plaintiff CIVIL ACTION-LAW V. NO: 13-2007 MARGARET S. LORI Defendant DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P. 1028 AND NOW, comes the Defendant, Margaret S. Lori, by and through her attorney, Robert D. Klingensmith,Esquire of Harold Shepley &Associates, LLC, and files the following Preliminary Objections to Plaintiff's Complaint: 1. Plaintiff filed a Complaint in Civil Action against Defendant demanding damages in the amount of$2,394.38. 2. Plaintiff's Complaint fails to conform to law or rule of court under Pa. R.C.P. 1028(a)(2) 3. Plaintiff's Complaint contains insufficient specificity in its pleading under Pa.R.C.P. 1028(a)(3). Count I Pa.R.C.P. 1028(a)(2) 4. Pa.R.C.P. 1024(c)requires that all pleadings setting forth allegations be verified by the Pleading party. 5. In the instant case the verification attached to the complaint was signed by the Attorney of record in the above captioned case. 6. In general, an attorney verification will be insufficient unless the parties lack sufficient knowledge or information or are outside the jurisdiction of the court and the verification cannot be obtained in time allowed for filing. 7. The verification signed in this case states that the verification was signed by the Attorney acting for the party because they had permission to do so and had to in order to file the pleading in time. 8. There has been no indication in the verification that the parties lack sufficient knowledge of the matter, in fact all of the information came from the party in this case. 9. Furthermore, although Plaintiff is outside the jurisdiction of this court, there is no indication that the party to this lawsuit could not sign the verification in time to file the pleading. In fact, Defendant was never contacted to extend the time needed to file the Complaint. If such time was needed, the Defendant would have been happy to extend such time to Plaintiff. 10. Therefore, Plaintiff's Complaint fails to conform to law or rule of court under Pa.R.C.P. 1028(a)(2). WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. Count II Pa.R.C.P. 1028(a)(3) 11. Pa.R.C.P. 1019 (a)requires that the material facts on which a cause of action or defense is based shall be stated in a concise and summary form. 12. Pa. R.C.P. 1019(f)requires that averments of time, place and items of special damages shall be specifically stated. 13. Plaintiff in this matter claims that the Defendant opened and used a credit account issued by Plaintiff. 14. Plaintiff has not attached to its Complaint a single account statement on the alleged account. 15. The Complaint has failed to plead the various transactions and purchases which resulted in the alleged debt due. 16. Pursuant to Pa.R.C.P. 1019(f)Plaintiff has failed to provide information of the time and places any items were allegedly bought on the credit card. 17. By failing to include documentation of what items were purchased, when those items were bought and the amount of each purchase, Defendant is unable to ascertain the validity of the amount owed on the account. 18. Plaintiff has also failed to provide documentation of any cash advances made by Plaintiff. 19. Plaintiff has failed to provide a concise summary of the payments made by the Defendant on the alleged account, including proof of last payment. 20. Furthermore, Plaintiff basis its claim on an alleged agreement. 21. Plaintiff has failed to specify whether the attached agreement is the original account agreement. The agreement is dated in 2010. So it is assumed the attached agreement is not the original. Plaintiff must provide the original agreement and all amendments to any such agreement, or provide a reason why the original agreement is and all amendments to said agreement are not accessible and set forth the substances of the writings (Pa.R.C.P. 1019(i). 22. This lack of a writing is not sufficient under Pa.R.C.P. 1019(1). 23. As a result, Plaintiff's Complaint contains insufficient specificity as required under Pa. R.C.P 1028(3). WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. Respectfully submitted, Robert D. Klingensmith, Esquire PA I.D.#313960 Harold Shepley &Associates, LLC 209 West Patriot Street Somerset, PA 15501 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(U.S.A.), N.A. Plaintiff CIVIL ACTION-LAW V. NO: 13-2007 MARGARET S. LORI . Defendant CERTIFICATE OF SERVICE I served this Petition to Enter Appearance, Preliminary Objections and Brief in Support of Preliminary Objections by U.S. Mail,postage prepaid, at 120 N. Keyser Avenue, Scranton, PA 18504 on Michael F. Ratchford, Esquire, the Attorney for the Plaintiff, Capital One Bank on May 13, 2013. I declare under penalty of perjury that this information is true. Date: May 13, 2013Q� Server's Signature Gretchen DeWitt—Legal Assistant Printed Name and Title Harold Shepley &Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(U.S.A.), N.A. Plaintiff CIVIL ACTION-LAW V. NO: 13-2007 MARGARET S. LORI Defendant Order of Court On this day of , 2013, upon consideration of defendant(s)' preliminary objections, it is hereby ORDERED that plaintiff(s)' complaint is stricken. Plaintiff(s) is (are) granted days leave to file an amended complaint. If plaintiff(s) file(s) an amended complaint on or before the day which does not substantially address the preliminary objections of defendant(s), this court, on motion of defendant(s), will dismiss the amended complaint with prejudice. If the plaintiff(s) fail(s) to file an amended complaint within days of the date of this order, upon praecipe of defendant(s), the Prothonotary, shall dismiss the case with prejudice. BY THE COURT J. CSI IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff CIVIL ACTION -LAW v. MARGARET S. LORI Defendant NO: 13-2007 rl ‘5"lb f ? '16' to s.1 1.40 PRAECIPE FOR LISTING CASE FOR ARGUMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please list the within matter for the next Argument Court. 1. Matter to be Argued: Defendant's Preliminary Objections 2. Counsel who will argue the cases: Michael Ratchford, Esquire Attorney for Plaintiff 120 N. Keyser Avenue Scranton, PA 18504 (800) 503-1665 Dated: 8-8-14 Robert Klingensmith Attorney for Defendant 209 West Patriot Street Somerset, PA 15501 (814) 444-0500 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: September 26, 2014 BY: Robert Klingensmith, Esquire Attorney for Defendant INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If Argument is continued new briefs must be filed with the COURT ADMINISTATOR (not the Prothonotary) after the case is relisted. t IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. MARGARET S. LORI Defendant CIVIL ACTION -LAW NO: 13-2007 CERTIFICATE OF SERVICE I served this Praecipe for Argument by U.S. Mail, postage prepaid, at 120 N. Keyser Avenue, Scranton, PA 18504 on Michael F. Ratchford, Esquire, the Attorney for the Plaintiff, Capital One Bank on August 8, 2014. I declare under penalty of perjury that this information is true. Date: August 8, 2014 Server's Signature Gretchen Giles — Legal Assistant Printed Name and Title Harold Shepley & Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff CIVIL ACTION -LAW v. NO: 13-2007 MARGARET S. LORI Defendant CERTIFICATE OF SERVICE I served this Argument Notice by U.S. Mail, postage prepaid, at 120 N. Keyser Avenue, Scranton, PA 18504 on Michael F. Ratchford, Esquire, the Attorney for the Plaintiff, Capital One Bank on September 11, 2014. I declare under penalty of perjury that this information is true. Date: September 11, 2014 1�5�`AlA1.,6 Server's Signature Gretchen Giles — Legal Assistant Printed Name and Title Harold Shepley & Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address CAPITAL ONE BANK (USA), N.A.: IN THE COURT OF COMMON PLEAS OF Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION — LAW vs. : NO. 13-2007 CIVIL MARGARET S. LORI, Defendant IN RE: PRELIMINARY OBJECTIONS OF THE DEFENDANT BEFORE HESS, P.J. AND PLACEY, J. ORDER AND NOW, this 'ale day of September, 2014, the preliminary objections of the defendant are SUSTAINED. Plaintiff is given thirty (30) days within which to file an amended complaint. Michael F. Ratchford, Esquire 120 N. Keyser Avenue Scranton, PA 18504 For the Plaintiff Robert D. Klingensmith, Esquire 209 West Patriot Street Somerset, PA 15501 For the Defendant :rlm BY THE COURT, : cD IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. : : CIVIL ACTION Plaintiff : vs. MARGARET S LORI : NO: 13-2007 Defendant : NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice to Defend are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 C) cn CD CD -, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A. : Plaintiff : CIVIL ACTION vs. MARGARET S LORI : NO: 13-2007 Defendant : NA20725 AMENDED 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 MARGARET S LORI (hereinafter "Defendant") is an adult individual residing at 801 GRANTHAM RD MECHANICSBURG PA 17055-5885. 3. Defendant applied for and in response to that application was issued a credit card issued by CAPITAL ONE BANK (USA), N.A. with the account number ending in 2299 on in November 2008.. 4. Use of the CAPITAL ONE BANK (USA), N.A. credit card was subject to the terms and considerations of the Cardmember Agreement (hereinafter "Agreement"), a copy of which was sent to the Defendant along with the credit card.(See, Cardmember Agreement attached hereto as Exhibit "A.") 5. After November 13, 2008, Defendant used the CAPITAL ONE BANK (USA), N.A. credit card account number ending in 2299, for purchases, cash advances and/or balance transfers. 6. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card.(See, Account statements attached hereto as Exhibit "B.") 7. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 8. The Defendant last made payment on December 14, 2011. See, Exhibit "B." 9. The total amount due and owing the Plaintiff is $2,394.38. See, Exhibit "B." WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $2,394.38 plus costs of suit and any other relief as the Court deems just and appropriate. Respectfully submitted, 4/1' Micha- . ' chforr Esquire Sc J. Best, Esquire Attorney I.D. Nos.: 86285/93600 120 N. Keyser Ave Scranton, PA 18504 Phone: 800-503-1665 Fax: 570-558-5511 Capital One® Customer Agreement Welcome to Capital One.® Thank you for opening a credit Card Account with us. This Customer Agreement ("Agreement") contains the terms for your Capital One credit Card. Some Definitions. The meanings of the terms you see in italics appear in the Glossary Section. To make the Agreement easy to understand, we will also use the following personal pronouns: "You," "your" and "yourself" mean each applicant and co - applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. It also includes an Authorized User as defined in the Glossary Section. "We," "us," "our" and "Capital One" mean Capital One Bank (USA), National Association; and its agents, authorized representatives, successors, and assignees. Account Documents. Your Account with us is governed by the following documents: (1) this document; (2) all Statements; (3) all rewards information and documentation if your Account has rewards; (4) anyPrivacy Notices describing our limitations on sharing infrmation about you with others; (5) your Card benefits brochure which describes benefits provided by the Payment Card Network for your Card and Account. The most current version of your Card benefits brochure will replace all prior versions; (6) the "Security" Agreement if you have a secured Card; (7) all disclosures and materials provided to you before or when you opened your Account, including Truth in Lending Disclosures; (8) all other documents and disclosures relating to your Account including those provided online; and (9) any future changes we make to any of the above things. Please read these carefully and keep them for future reference. An image of any of these can be used instead of the original. New Offers. In the future, we might make new offers to you or forward offers from others that we think you might be interested in. These offers may have new or different terms and documentation for these offers will be provided when we make you the offer. If you accept the 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 logging onto yourAccount on our website or by calling one of our representatives at the telephone number provided on your Statement or on the back of your Card. We may require you to provide additional documents that are acceptable to us to verify this information or any changes. We maintain the right to restrict or close your Account if your information cannot be verified or if you do not provide additional information as requested. Credit Limits. When you open your Account, you will receive your credit limits. These will also appear on your Statements. We might also refer to your credit limits as your credit lines. We may give you different credit limits for the different Segments of your Account. For example, you might have a different credit limit for purchases than for Cash Advances. You are responsible for keeping track of your Account balances and your available credit limits. Do not allow yourAccount to go over any credit limit even if you have authorized us to charge you an overlimit Fee for doing so, as described in the Interest Charges and Fees section. We may still honor transactions above your credit limits, but our honoring of these transactions will not increase your credit limit. We may also increase, decrease, restrict or cancel your credit limit on any Segment at any time. This will not affect your obligation to pay us. Using Your Account. You promise to follow the terms of this Agreement as long as yourAccount remains open or has a balance. Please sign the Card immediately when you receive it. The Card is valid during the dates provided on the front. The Card is our property, and you will return it to us or destroy it if we ask. You will take reasonable steps to prevent the unauthorized use of your Card and Account. We are not responsible if anyone refuses to accept your Card for any reason. Also, we may reject any transaction for any reason. Unless we tell you otherwise, we will bill each transaction to the applicable Segment of your Account and apply it against your available credit limit for the Account and Card for that Segment in each Billing Cycle. You may also obtain Cash Advances and Transfers if they are permitted for your Account. Unless we agree, you may not use a Transfer to transfer amounts from other Accounts with us or any other company within the Capital One organization. You must not use, or try to use, the Card for any Internet gambling transactions or transactions that are illegal or not permitted by us. You will still be responsible if you do. In addition, these transactions will be subject to this Agreement, and you might have to reimburse the Payment Card Network and us for all damages and expenses. From time to time, due to circumstances beyond our control (such as system failures, fires, floods, natural disasters or other unpredictable events) our services might be unavailable. When this happens, you might be unable to use your Card or obtain information about your Account. We will not be responsible or liable if this happens. Rewards. Your Account might provide you with the opportunity to earn rewards. If it does, we will separately provide you with all information nd terms about your rewards.We will include on your Statements all rewards you have earned. It might take up to two Billing Cycles for your earned rewards to appear on your Statement. Using Your Access Checks. When we provide you with Access Checks, we will tell you whether we will treat them as purchases, Balance Transfers, Cash Advances or Special Transfers. Only the person we designate may use Access Checks. Access Checks may not be used to lay any amount you owe us or any other company within t le Capital One organization, We may reject and not pay any Access Check for any reason. Some examples of reasons why we may reject and not pay include: your Account is delinquent, charged -off, bankrupt, lost/stolen or closed; our fraud system prevents the offer fulfillment; your Account is overlimit; or the checks have expired. Any liability for our wrongful dishonor of an Access Check will be limited to your actual damages and will not exceed the amount of the Access Check. When you use an Access Check, you will have fewer rights to dispute / Card. Please see the "Billing Rights Summary" part of your Statement and your other Truth in Lending Disclosures for more information. Stopping of Access Checks. You may request a stop payment on any Access Check b contacting us as provided on your Statement We may c arge you a Fee to stop payment as described in the Interest Charges and Fees section. If you call us to stop payment, you must also send to us a written request within 14 calendar days. We will have a reasonable amount of time after your stop payment request to research the situation and complete it. We will not be responsible if we cannot complete the stop payment because the Access Check was already paid, you do not give us the information we asked for or the information you gave us was incorrect. If we cannot stop payment for these reasons, we may still keep the stop payment Fee. Once |ete a stop t do not have trelease the stop payment order unless the same person asks us to. If we re -credit your Account after paying an Access Check following a valid stop payment order, you give us all of your rights against the payee or other holder of the paid Access Check. You also agree to help us in any actions we might later take against that person. Using a PIN. We may give you a personal identification number (PIN). For security reasons, you might have to provide the PIN before you are able to complete some transactions using the Card, With a PIN, you may use your rd to: ( from certain automated teller machines (ATM) or (2) make purchases at certain merchant or retailer point-of-sale devices (POS). You may do these things if the ATM or POS requires entry of a PIN and displays the logo of the Payment Card Network on your Card. We will treat all ATM transactions as Cash Advances and all POS transactions as purchases. You should keep your PIN secure and not writeitd ive it to anyone, or keep it with your Card. If you lose your Card or believe that someone has gained unauthorized acces5 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 needcertai information aboutth Authorized User to manage /our Account. This will be the same information you proviced about yourself as described in the Account Information Section. We may limit an Authorized User's ability to initiate certain transactions. If we do, we will tell you about these limitations before adding any new Authorized User on your Account. Once we add anAuthorized Userto yourAccount, we may discuss your4rcountwiththemandpmvideth*m with Account information. You will be responsible for the Authorized User's use of the Card and your Account awell as anyone else theU to use your Card or Account. This will be true even if you did not want, or agree to, the use. Removing Authorized Us If you want to remove an Authorized User from the Account, you must contact us as provided on your Statement and request their removal. We will have a reasonable amount of time after your request to research the situation and remove them, You also must immediately destroy all Cards in their possession and cancel all of their billing arrangements to the Account. We will not do this for you. During this time, you still will be responsible for all amounts they charge to the Account. You will be responsible even if these amounts do not appear on the Account until later, An Authorized User may remove themselves from the Account upon request. We may close your existing Account and/or issue a new Card with a new Account number. Your Promise to Pay. You promise individually and jointly to pay us allamuunnoue on yourAccount. This includes amounts where you did not sign a purchase slip or other documents for the transaction. If you use your Card nh without presenting your actual Card (such as for mail, telephone or Internet purchases), this will be treated the same way as if you used the Card in person. If you let someone else use your Card, you are responsible for all transactions that person makes. Your promise to pay us will apply to your estate if you die. Statements. We will send you one Statement for all Cards on you Account unless the law does not require or permit us to send a Statement. Statements will be sent at the end of h BillinCycle when your Account had bit or credit balance of more than $1.00, or if we have charged any Interest Charges to your Account, Your Statement will show all transactions billed to your Account during the Billing Cycle along with other important Account information. Disputed Transactions. You must inspect each Statement you receive and tell us about any errors or questions you have as described in the "Billing Riht Summary" part of yor Statement and other Truth in Lending Disclosures.If you 6onot npd�notify us as provided in those disclosures, we may assume that all information in the Statement is correct. If you dispute a transaction made by you or someone else on your Account, and we later credit your Account for all or part of the disputed amount, you give us all of your rights against that other person. You also will: (1) give any merchandise or other purchases you received )nconnection with the d\� disputed ask; (2) not pursuea claim or reim6 t from the merchant and that other person; and (3) help us pursue and get reimbursement from the merchant and that other person; r help includes giving us documents that we ask for and that are acceptable to us. Interest Charges and We will charge interest Charges and Fees to your Account as disclosed to you in your Statements and other Truth in Lending Disclosures. In general, Interest Charges begin to accrue from the day a transaction occurs. However, we will not charge you interest on any new balances posted to the purchase Segment of your Account provided you have paid your previous balance in full by the due date. We will treat the following Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if they are provided in your Truth in Lending Disclosures. We may increase your Interest Charges and Fees as described in the Changes to Your Agreement section or in your Truth in Lending Disclosures. • Membership Fee. We may charge you this Fee as early as our first Billing Cycle or the first Billing Cycle after this Fee ecomes 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 tn future Billing Cycles. You will only pay one Fee per Billing Cycle, even if you go over your limit multiple times in the same cycle. • Returned Payment Fee. We may charge you thi5 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 ii we do not pay an Access Check for any reason, including when yourAccount 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 FeeWe may charge you a per -page Fee forcopies 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 btain a Cash Advance. This Fee will be treated as a Cash Advance transaction. • Transfer Fee. We may charge this Fee each time you obtain a Transfer. This Fee will be treated either as a Special Transfer or purchase transaction depending on the Segment in which the Transfer posts. Transactions Made in Foreign Currencies. If you make a transaction in a foreign currency, the Payment Card Network will convert it into a U.S. dollar amount. The Payment Card Network will use its currency conversion procedures in effect when it -Processes the transaction. The conversion rate in effect on Vie 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 yourSm/ements'wca/eno\responob|efnranydalm 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 servicehased with your Card, you will accept these refunds as credits to the purchase Segment of your Account. We do not control when a merchant sends us your refund. We will also have a reasonable amount of time after we receive your refund to process it. Minimum Payment. Your Statement will provide instructions for making payments, including the amounts due and the due date for receiving your payment. If applicable, your Statement will also include a minimum payment amount. To avoid a late payment Fee, you must pay us at least this minimum payment amount by the due date provided in the Statement. If you have agreed to incur Fees for going over your credit limit, be aware that paying only the minimum payment amount might not be enough to avoid an overlimit Fee. In addition to the minimum payment, you may pay all or part of the total balances on your Account. However, you must still pay at least the minimum payment amount each month, even if you paid greater than the minimum on the previous Statement. We will continue to charge Interest Charges during Billing Cycles when you carry a balance regardless of whether your Statement includes a minimum payment that is due. If your Account is 180 days past due, part of a bankruptcy proceeding or otherwise charges off, the entire balance is immediately due and payable. Making Payments. Your patsmustbeinU.5.dn||orsfrnmaU.5dpposit account and otherwise be acceptable to us. We do not accept cash paymentsthmughthemai|.Youmaynotmakepaynoents with funds from yourAccount or any other credit account with 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 your Account on the day we receive it, if: (1) you send the payment coupon included with your Statement in the same envelope with your payment; (2) you include your Account number on your payment; and (3) your payment arrives at the address indicated on the payment coupon in our processing center by the time indicated on your Statement. If your due date occurs on a day on which we do not receive payments, any paymentneceivedthe nextda 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 if\ca|| 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 ormher payment system. We will describe the terms for using these services before '-- use them. You do not have to use these other payment services, and we may charge you a Fee for using them. If we do, we will tell you the amount of the Fee at the time you request the service. We are not responsible if a payment made using our payment services is rejected or not paid. Even if it is, we may still keep the Fee. If you give your Account number or otheAccount information to someonelse 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 payment has cleared. We may resubmit and electronically collect returned payments. We may also adjust your Account as necessary to correct errors, to process returned and reversed payments, and to handle similar issues. When you provide an Item as payment, you authorize us either to use information from your/tern to make a one time electronic fund transfer from your deposit account or to process the payment as an Item. We will provide additional information about this process on your Statement or other documents we send you before your payment. You may contact us and ask that we not process your future Items in this way. When you provide an Item as payment, it might also be converted into an electronic image and collected and returned electronically. These electronic images may also be converted to substitute checks. We will not be responsible if an Item you provide has physical features that when imaged result in it not being processed as you intended. How We Apply Your Payments. We apply your minimum payments to lower Annual Percentage Rate balances before higher ones. We apply any portion of your payment, in excess of your minimum payment, to higher Annual Percentage Rate balances before lower ones. Items with Restrictive Words, Conditions or Instructions. All Items that have restrictive words, conditions, limitations or special instructions added (including Items marked with the words "Paid in Full" or similar language) and all accompanying communications must be mailed to and received at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. If you make your payment or send any accompanying communications to any other address, we may accept and process the payment without losing any of our rights. Credit Balances. We may reject and return to you any payment that creates a credit balance on your Account. Any credit balance we allow will not be available until we confirm that your payment has cleared. We may reduce the amount of any credit balance by any new amounts billed to your Account. You may contact us as provided on your Statement and request a refund of any available credit balance. If you contact us in writing, we will refund your credit balance within 7 Business Days from our receipt of your written request. Account Default. We may consider you in default of your Agreement with us if: (1) you do not make any payment when it is due; (2) any payment you make is rejected, not paid or cannot be processed; (3) you exceed a credit limit; (4) a bankruptcy or other insolvency proceeding is filed by or against you; (5) you die or are legally declared incompetent or incapacitated; (6) we determine that you made a false, incomplete or misleading statement on any of your Account documentation, or you otherwise tried to defraud us; (7) you do not comply with any term of this Agreement or any other agreement with us; or (8) you permanently reside outside the United States. For certain actions, including changing the rates and Fees on your Account, our options appear in our original offer materials when you opened your Account. Remember, paying the Fees charged in connection with a default will not by itself cure the default, In addition, if you are in default, we may take the following actions without notifying you, unless the law says that we must notify you: (1) close or suspend your Account; (2) lower your credit limits; (3) increase your minimum payment; (4) demand that you immediately pay the entire balances owing on your Account (for example, as described in the Minimum Payment section); (5) continue to charge you Interest Charges and Fees as long as your balances remain outstanding; and/or (6) pursue any other action against you that the law allows, which includes the filing of a lawsuit against you. You must pay us all of our collection expenses, attorneys' fees and court costs unless the law does not allow us to collect these amounts. Communications. We may contact you from time to time regarding your Account. We may contact you in any manner we choose unless the law says that we cannot. For example, we may: (1) contact you by mail, telephone, email, fax, recorded message, text message or personal visit; (2) contact you using an automated dialing or similar device ("Autodialer"); (3) contact you at your home and at your place of employment; (4) contact you on your mobile telephone; (5) contact you at any time, including weekends and holidays; (6) contact you with any frequency; (7) leave prerecorded and other messages on your answering machine/service and with others; and (8) identify ourselves, your relationship with us and our purpose for contacting you even if others might hear or read it. Our contacts with you about your Account are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. Unless the law says we cannot, we may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose. When you give us or we obtain your mobile telephone number, we may contact you at this number using an Autodialer and can also leave prerecorded and other messages. We may do these things whether we contact you or you contact us. If you ask us to discuss your Account with someone else, you must provide us with documents that we ask for and that are acceptable to us. Credit Reports. We may provide information about you and the Account to consumer (credit) reporting agencies and others as provided in our Privacy Notices. Information we provide might appear on your and the Authorize Users' credit reports. This could include negative information if you do not comply with the terms of this Agreement. We may obtain and use credit and income information about you from consumer (credit) reporting agencies and others as the law allows. Closing or Suspending Your Account. You may ask us to close your Account by calling or writing us as described on your Statement, Your Statement will provide additional information about this process, and we may also separately provide you with additional details after your request. This might include payment information. If you use your Card or charges post to your Account after you ask us to close it, we may keep it open or reopen it. We may close or suspend your Account and your right to obtain credit from us. We may do this at any time and for any reason, permitted by law, even if you are not in default. A suspension of your Account might be permanent or temporary. If your Account is closed or suspended for any reason, you must stop using your Card. You must also cancel all billing arrangements to the Account. We will not do this for you. If we close or permanently suspend your Account, you must also destroy all Cards. You must still pay us all amounts you owe on the Account, even if they are charged after your Account is closed or suspended. Lost or Stolen Card. You will take reasonable steps to prevent the unauthorized use of your Card and Account. If your Card is lost or stolen or if someone else might be using it without your permission, you must tell us at once. You may tell us by calling the telephone number on the back of your Card or on your Statement or by writing us at the address on your Statement. You will not be responsible for charges made to your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made using your Card, you will help us investigate, pursue and get reimbursement from the wrongdoer. Your help includes giving us documents that we ask for and that are acceptable to us. Changes to Your Agreement. At any time, we may add, delete or change any term of this Agreement unless the law prohibits us from doing so. We will giveou notice of any changes as required by law. If we do notifyyyou of changes, we will send you a separate notice or inform you on your Statement. We may send this notice to you electronically as permitted by law. Our notice will tell you when and how the changes will take effect and describe any rights you have in connection with the changes. Your variable Annual Percentage Rates (if applicable) can go up or down as the index for the rate goes up or down. If we increase your Interest Charges for any other reason we will notify you in writing. If we increase your fees or other terms of your Account we will notify you in writing and inform you of your options in advance, including the right to opt out of some of these changes. We may increase your Interest Charges for new transactions and your Fees after the first year of the Account. Also, if your payment is not received within 60 days after the payment due date, we may increase your Interest Charges and Fees for existing balances and new transactions at 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 Agreement to someone else without our written permission. We may transfer your Account and this Agreement to another company or person without your permission and without prior notice to you. They will take our place under this Agreement. You must pay them and perform all of your obligations to them and not us. If you pay us after you are informed or learn that we have transferred your Account or this Agreement, we can handle your payment in any way we think is reasonable. This includes returning the payment to you or forwarding the payment to the other company or person. Glossary. •"Access Check" means any check we send to you to access your Account. We may also refer to an Access Check as a "convenience check" or a "purchase check." •"Account" means your Card Account with us. •"Authorized User" means one or more persons who may use the Card but is not responsible for the repayment of the Account. •"Balance Transfer" means a Transfer posted to the purchase Segment of your Account unless otherwise described in your Truth in Lending Disclosures. •"Billing Cycle" means a period of time that might vary in length but is approximately 30 days. The specific period of time is described on each Statement. However, you will have a Billing Cycle even if a Statement is not required. We will often specify a Billing Cycle by the month in which its closing date occurs as provided on the Statement. For example, a "March Billing Cycle" will have a closing date in March. We may also refer to a Billing Cycle as a "Billing Period." If your Account balance has charged off, we may switch to quarterly Billing Cycles to your Account. •"Business Day" means any day in which Capital One's offices are open for the processing of payments and credits. •"Card" means any Capital One credit Card associated with your Account, which includes all renewals and substitutions. It also means any other access device for your Account we give you that allows you to obtain credit, induding anyAccount number and any Access Check. •"Cash Advance" means using the Card to obtain loans in cash or things we consider cash equivalents. Cash equivalents include wire transfers, travelers' checks, money orders, foreign currency, lottery tickets, gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account and not to your purchase Segment. ▪ "Fees" means charges that are not based on the Annual Percentage Rates. ^ "Intorest Charges" ns any chato your Account based on the application of Annual Percentage Rates. "ltem" means a check, draft, money order or other negotiable instrument use to pay your Account. This includes animage of these instmments.Thbdoe«nut include an Access Check. ^ Card Network" means Visa Inc., MasterCard International Incorporated, oronyo1hernetwm,kpmvder displayed on the Card. •"Segments" means the different parts of your Account we may estblish 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 aosted to the Special Transfer Segment of your Account ano not to. your purchase Segment. •"Statement" means a document or information we provide to you showing Account information including, among other things, transactions made to your Account during a Billing Cycle. We might also refer to your Statement as a "Periodic Statement" or a "Billing Statement." ^^Transfers^ means balances transferred from other Accounts to this Account and includes Balance Transfers and Special Transfers. •"Truth in Lending Disclosures" means any Account information we provide to you that is required by the federal Truth in Lending Act and Regulation Z. These include your application and solicitation disclosures, Account opening disclosures, subsequent disclosures, Statements and change in terms notices. t 201 CaOrtal �e All rights resci.rvc. ;V600157 M-99488 (CO -antorw kyrwrnere: cos GET PAID.TWICE. InterestPlus Online Savings • Great savings rate • 10% bonus on interest earned • FDIC -insured Learn more and open online at ca pitalone.com/growl 9 Use Offer Code DGTKLNJDF 500645 *Turn over for more information and important disclosures. Platinum MasterCard NEW BALANCE 51,59130 Page 1 of 2 1-800-903-3637 www.capitalone.com MINIMUM PAYMENT $41.00 PLEASE PAY AT LEIS? IRS AMOUNT XXXX-XXXX-XXXX-2299 DUE DATE Jun 10, 2011. Credit Limit: 52,000.00 Available Credit: 5408.30 Cash Credit Limit: 51,000.00 Available Credit for Cash: 5408.30 Previous Balance S1,611.13 Apr. 14 - May. 13, 2011 30 Days in Billing Cyd MINIMUM PAYMENT WARNING: It you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. Por example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Bance Total Cost Minimum Payment 16 Years $57 3 Years Your estimated savings if you pay off this balance in 3 years: $3,515 $2,047 $1,468 If you would like information about oedit counseling services, call 1-886-326-8055. LATE PAYMENT WARNING: If we do not receive your mdnimum payment by your due date, you may have to pay a late fee of up to $ 35.00 and your APRs rosy be inoeased up to the Penalty APR of 23.15%. Payments and Credits Fees and Interest Charged Transactions New Balance 542.00 + 522.57 1 + ( 50.00 j = L 51,591.70 j (TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR MARGARET S LORI #2299 • 1 29 APR PAITAEM (542.00) FEES Total Fees This Period Total Fees This Year INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Inter est This Period Total Interest This Year 50.00 50.00 522.57 522.57 5116.82 capite- Due Date InterestPlus Online Savings • Great savings rate • Quarterly Bonus on interest earned • No fees Learn more and open online at capitalonedirect-com/interestplus 300028 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate art your account. Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge Purchases I 17.115%P I 51,601.08 I 522.57 Cash 21.15% P 50.00 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOC ON 10 WWW.CAPIIALONE,COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057307922299 13 1591700042000041009 Account Number: 5178-0573-0792-2299 New Balance Minimum Payment Amount Enclosed Jun 10, 2011 I ( $1,591.70 i i $41.00 ! I PLEASE PAY AT LEAST THIS AMOUNT MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 IF11111IIrlllrllrllllllllllr'III'111 111rtIl1FII"II11IIIrII lIII Capital One Bank (USA), N A. P.O. Box 71083 Charlotte, NC 28272-1083 IIIIIIIr111"11111d rI111111"111111"Ilrlrlllrll"1111llllrlul Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. INTERESTPLUS ONLINE SAVINGS caP--7 • Great savings rate • 10% bonus on interest earned • FDIC -insured Learn more and open online at capitalone.com/grow19 Use Offer Code DGTKLNJDF nk MEMBER FDIC Annual Percentage Yield (APS, is amtrate as of 04/08)11. 1.10% APT applies to aaount balances of S 1,000 or more. 0.10% APY applies to balances less than 51,000. Rates are variable and may change at any time. Minimum deposit required to open the account is St. Withdrawals by online transfer are limited to six per calendar month. Each quarterly bonus will be equal to 10% of the interest earned on this account in the previous quarter. In order to be eligible to receive this bonus, your IntereslPlus Online Savings account must be open, and you must either maintain an average monthly balance of at least 510,000 in this account every month during the previous quartet or, you must be an owner of an active Capital One' Credit Card in good standing (not restricted, not over limit, not past due), with at least one transaction per calendar month. The bonus will be paid to your InterestPlus Online Savings account within 4-8 weeks after the end of each quarter and will be reflected on your statement. This account otters electronic statements only. The amount of the bonus may be reported to the IRS as required by applicable law. Terms and conditions of this offer may change at any time. This product is offered by Capital One Bank's (OSA), N.A., and Capital One, N.A., member FOIC. © 2011 Capital One. Capital One is a federally registered service mark. All rights reserved. How can 1 avoid paying Interval Charges? Each month you pay your "Nese Balance" in lull, you will hove a minimum grace period of 25 days with at, interest charge on all nese t ) purchases, 2) balance transfers, 3) special purchases and 4) other charges. If you have been paying your account in full with no interest charges applied and you do not pay your next brit in fun, prorated interest charges will be assessed. There is no grace period on cash advances. special transfers, or on any new transaction when there is an unpaid balence from a previous ba. How Is She jrrterext (horae applied? Interest charges accrue from the t) date of the transaction, 2) dale the transaction is processed or 3) first calendar day of the trilling period. Interest charges accrue on every unpaid amount until it is paid in full. This means you may owe interest charges even if you pay the entire ^Newealance" one month, but did not do so for the previous rnonth. unpaid interest charges are added to the proper segment of your Account. However, SW reserve the right to not assess interest charges at any rime. Do you assess a Mlrslrrann Interest Charge? Yes. A minimum INTEREST ot, reiE of SOSO will be assessed for each billing period your account is subject to an interest charge. How did you calculate the Interest asoma? There are several calculations that are used to deterrnlne your total interest charge. t. To get your Daily balance: For each segment, it take thee beginning balance ami add in new transactions and the periodic Interest charge on the precious day's balance, 2) Subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, it you paid your previous month's balance in full (orf your balance was zero ora credit amount), new transactions which post to your purchase or special purchase segments are not added to the daily balances Afro. transactions that are subject to a grace period arena: added to the daily balances. Z. To rind your Average Daily Balance: 11 add the daily balances together and 2) divide the sum by the number lit days in the billing cycle. ?. Estimate your Total Interest Charge: t) multiply your average daily balance by the dale periodic rate and 2) multiply the result by the number of days in the billing period. NOTE Due to rounding ora minimum Merest charge, this calculation may vary from the interest charge actually assessed. How can ray variable Annual Percentanr tale (APR) change? Your APR may increase or decrease based on one of seven standard indices reported in The Wall Street Jamal. To find which index is snarl for your accacmt• Iouk to a code (P, L, 4 S, Dor F) on the front of this statement next to the APR(s). Then check the table below: Code next to your Annual Percentage Rate (APR) Index which your rates are based on When your Annual Percentage Rate win change P L C S Orraderly Prime a margin previously disclosed to you Quarterly LIBOR a marlin proriiausly di -warned to you Ouaderly CO a margin previarsly rnsclucud to you 8ankcard Prime a margin previously disdosed to you The fast day of the baling periods that and in January, April, July and October. (3 F 0 Monthly Prima a margin previously disclosed to you MartHc UBOR a margin previously disolosod to you Treasury LIBOR a margin previously disclosed kr you The first day at each monthly blfing period. Are there Addition I Fees associated with my account? Yes, under certain circumstances. you may be assessed a Late or Returned Payment Fee. You may also be charged uverlimit fees s.er„witted by law We reserve the right to net assess fees svithout prior notice and without waiving our right to assess a similar fee tater. How can I Close My Arcosntr You may close your accwunt by caning or smiting our Customer Relations Department. At that time, eve win provide additional details including payment information. It you use your credit card or charges post to your account atter you eskers to erose it, see can keep your account open To avoid paying any aprriicoide membership fees, call to close your account prior to the cod of :he cycle in which it is scheduled to be billed. Whet happens f rag amount Is Suasended? We may close or suspend year account and your right to obtain credit at any time and for any mason, even if you are not in default. Account suspension can he permanent or temporary _ tit your account is closed or suspended you must 1) stop using your credit card and account, 2) cancel an automatic payments, 3) destry all credit cards and access checks, and 4) pay an amounts you ore us, even if they were charged after the account was closed or suspended. Hoar du I Make Psrurserrts? Payments you man to us will be credited to your account as ed the business day we receive it, az long as t) you send the lnottom genion of this statement and your check in the orcfvsed remittance envelope, and 2) your payment is received in one of our processing centers by span focal time. Please allow at least (T) tininess days for mail delivery. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. 512 t3 Mailed payments received by us et any other location or in any other form may trot he credited as of the day we receive them. Do you Process Paper Checks as an5lectrorylc Funds Tratteler? When you provide a check as payment, you authorize us and our agents either to use information from your check to make onetime electronic fund transfer from your deposit account or to Weems the payment as a check transaction. When we use information from your check to make en electronic fund transfer, funds may he withdrawn from your deposit account as soon as the same day roe receive your payment and you will not receive your check backtrores your financial institution. Your a,nhotization is not limited by the date on the check. We may resubmit and electronically collect the tetunicd payments. What f Mlle for Bankruptcy? It you are entitled to bankruprcy protection, this communication is for krtomtation only, it is not an attempt to collect, assess or recover a debt or claim. Do nut send us payments without speaking with your bankruptcy attorney or the bankruptcy Court. if you or your attorney would late to contact our bankruptcy claims servicer directly, please contact' Capital Orae • PO Boz :36265 • Salt Lake City, (IT 64t3D-0265 FULLING RIGHTS SUMMARY (Does Not Apply to Small Business Accounts) What To On If You Think You Find A Mistake On Your Statement) If you think there is an error on your statement, write to res at Capital One P.O. &se 36265 Salt Lake city, UT 84130.0265 in your letter, give ns the following Mfonnati n: • Account information, Your nem and account number. • Dollar amount' The dollar amount of the suspected error, • prescription of Problem It you think there is an error on yoor hit, describe whet you believe is wrong and why you beline it is a mistake. You must contact us within 60 days atter the error appeared on yam statement. Yeti must notify us of any potential errors in writing Yuu may can us or notify us electronically, but it you do we ere not required to investigate any potential errors and you may have to pay the amount in question. While sue investigate whether or not there has been an error, Mel allowing are now • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you sill not have to pay the amount in question or erry interest or other fees related to that amount. While you do nut have to pay the amount in question until we send you a notice about the outcome of ren investigation, you are responsible for the remainder of your balance. • We can apply any unpaid amount agthmt your credit limit. Your fright If You Are Dissatisfied With Your Credit Card Purchases. f you are dissatisfied with the goods or services that you have purchased with your credit card, end you have tried in good faith to correct the problem with the merchant, you may have the right not to par the remaining amount dere on the purchase. To use this right, en of the following must betroth 1. The purchase must have been made in your home state or within toe miles of your current mailing address, and the purchase price roust have been room than 550. (Note: Neither of mese are necessary if your purchase was based on an advertisement bre mailed to you, or if roe now the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quality. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase. contact us in uniting at: Capital One P.O floe 30285 Salt Lake City, Id? 8413et265 While sue Investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will ren you our decision. At that point, if we think you ore an amount and you do not pay we may report you as delinquent. Capital One supports information privacy protection: see our website at maw rapitalonecom Capital One is a federally registered service mart of Capital One Financial Corporation, All rights reserved .f., 2010 Capital One Toon 03uiriitt Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account number on your check. MARGARET S LORI 801 GRANTHAM RD MECHANIC BURG, PA 17055-5885 Pay to the order of VOID 200768 Date 12761 68-7270/2560 42885-01 Use by 07/31/2011 Dollars ••.al""�ainC" Richmond, VA For inquiries call 1-800-833-6393 Memo Signature II' 1 276 in' is 2 5607 2701i:75100116 24 78 2II' Use your account even where credit cards aren't accepted The checks on this page give you easy access to the available credit on your account. However you use them, they come with your purchase rate—and no transaction fees. Any checks you write will show up as a transaction on your statement, just like a purchase with your card. These checks are great for: Purchases Use one if you need to make a purchase where credit cards aren't accepted (like at your wholesale club or a craft show). 1" Cash PLUS: NO TRANSACTION FEES! Transfer balances today! ® Use the attached checks Write a check to yourself and cash it at your bank. You'll get the OR same rate you pay when you swipe your card for a purchase. Transfers Transfer higher -rate balances to your account. Just write one of these checks and send it to your other creditor like you would a normal payment. Give us a call 1-800-833-6393 OR Go online transferbalances.caoita lone.com/offers Interest and Fee Information APR for Check Transactions and Balance Transfers You will be charged the APR for Purchases, currently 17.15%. This APR will vary with the market based on the Prime Rate, as previously disclosed. Fee None. How to Avoid Paying Interest on Check Transactions Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5835 Pay to the order of VOID Date Use by 0731/2011 200768 12762 68-7270/2560 42885-01 Dollars capi Richmond, VA Memo For inquiries call 1-800-833-6393 Signature 1I'12762n' 1:256072701':751001162478211' ERAL RESERVE BOARD OF GOVERNORS REG. CC Questions about these checks? Q: Is there a transaction fee for using the enclosed checks? A: There isn't. You won't pay any kind of transaction fee to use these checks to access your Capital Onea' account. Q: What APR will apply when I use these checks? A: These checks come with the same APR you pay for purchases you make with your credit card. Q. What is the difference between my "credit line" and my "available credit"? A. Your credit line is the maximum amount Capital One will allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. 3113H 3SHOON3 Q: What can I use these checks for? A: You can use them for almost anything—whether you need extra time to pay a bill, want to give a check as a gift, or just want to have cash on hand. Another way to use your checks is to consolidate debt from non -Capital One credit cards and loans. Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. They're a great way to "charge it" at places that don't accept credit cards. Important Information About This Offer • Please make sure the total of your checks, transactions and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if: - Your account is delinquent, overlimit, charged -off, or closed -You have filed for bankruptcy - Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment - A term of your account relevant to the offer (like credit line, APR or your special transfer rate) has changed since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • $0 fraud liability claims are subject to verification and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of your Customer Agreement. Please be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital One account. • Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. 'FEDERAL RESERVE BOARD OF GOVERNORS REG. CC U 20' 0 Capital One. Capital Ole is a federally reg sacred service mark. All rich.s reserved. 0 31 o m z m m33 < f m a 0 7 T m O - Si y Z z Z O 5-, 33 m Z O 2 ti O Cm c O O z m m r r * 3113H 3S1:1OON3 THINK TWICE. InterestPlus Online Savings • Think a great savings rate • Think a 10% quarterly bonus on interest earned • FD1Ginsured Learn more and open online at capitalone.com/grow23 Use Offer Coda DCFW78MDF Turn aver for more information and irn 500665 Platinum MasterCard NEW BALANCE 51,573.68 Credit Limit: 52.000.00 Available Credit: 5426.32 Previous Balance 51,591.70 Page 1 of 2 1.800-903-3637 www.capitalone.com MINIMUM PAYMENT $41.00 PLEASE PAY AT LEAST THIS Mal NT )0XX-XXXX-XXXX-2299 DUE DATE Jul 10, 2011. Cash Credit Limit: 51,000.00 Available Credit for Cash: 542632 5 - May. 14 - Jun.13, 2011 31 Days in Billing Cycle MINIMUM PAYMENT WARNING: a you make only the minimum payment each period, you will pay more in interest and it will lake you lenge; In pay df ynur hales ce. Fur example Payment Amount Each Period It No Appreolmate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost 474 56 3 Year: 52,0224 Your estimated savings if you pay off this balance in 3 years: 57,450 It you would the int umalion about aeeit taumelag services, call 1-58&326-6055. LATE PAYMENT WARNING: If we do not receive your minimum payrmmt by your due date, you may have to pay a tale tee or up to 535.10) and your APRs may be ir•.ueased up to the Penalty APR of 23.1SN. Payments and Credits Fees and Interest Charged 541.00 Transactions + 522.90 l + I 50.00 [TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MARGARET S LORI #2299 1 26 MAY PAYD.1EN1 (S41 00/ FEES Total Fees This Period Total Fees This Year INTEREST CHARGED INTEREST CHARGE. PURCHASES Total Interest This Period Total interest This Year 50.00 50,00 S22.93 522.98 S139.30 Grow your savings faster online with our interestPbrs Online Savings account. Earn high interest }plus a quarterly bonus - and get the security of FDIC insurance and no fees. Learn more today at hair:w.capitalonedhect.com/interestplus. New Balance 51, 573.68 YOU ARE HERE. WE ARE TOO. Check your balance directly `Tom year phone and: le View recent-ransactiols ► Pay your Capital One bill ► Check your rewards oalance Go to m.capitalone.com on your mob'Ie device and manage your account a: the speee of you. 300029 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your accourrl. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases Cash 17.15%P 21.15% P S1,577.72 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 10 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057307922299 13 1573680041000041006 Account Number: 5178-0573-0792-2299 Due Date New Balance Minimum Payment Amount Enclosed L Jul 10, 2011 1( $1,573.68 ;i i $41.00 PLEASE PAY AT LEA51 THIS AMOUNT MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 11111,,,11'111i111LLIl, rlllrll11h11111"11111llrlll,lrllllll 522.93 S0.00 ORGANIZATION MADE EASY. Forget the filing. Manage your account online and simplify your life. Sign up at www.capitalone.com 400011 Capital One Bank (USA), N A. P.O- Boz 71083 Charlotte, NC 28272-1083 1111111r111r,11111'11 1111111rr11111r111rlrllirll^11111111'1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. INTERESTPLUS ONLINE SAVINGS Ca -Bank • Great savings rate • 10% bonus on interest earned • FDIC -insured Learn more and open online at capitalone.corn/grow23 Use Offer Code DGFW78MDF MEMBER FDIC Annual Percentage Yield (AP) is accurate as of 05/04/11. 1.10% APY applies to account balances of $1,000 or more. 0.10%APY applies to balances less than 51,000. nates are variable and may change at any time. Minimum deposit required to open the account is 51. Withdrawals by online transfer are limited to sic per calendar month. Each quarterly bonus will be equal to 10% of the interest earned on this account in the previous quarter. In order to be eligible to receive this bonus, your InterestPlus Online Savings account must be open, and you must either maintain an average monthly balance of at least $10,000 in this account every month during the previous quarter, or, you must bean owner of an active Capital One' Credit Card in good standing (not restricted, not over limit, not past due), with at least one transaction per calendar month. The bonus will be paid to your InterestPlus Online Savings account within 4-8 weeks after the end of each quarter and will be reflected on your statement. This account offers electronic statements only. The amount of the bonus may be reported to the IRS as required by applicable law. Terms and conditions of this offer may change at any time. This product is offered by Capital One Bane (USA), N.A., and Capital One, N.A., member FDIC. © 2011 Capital One. Capital One is a federally registered service mark. All rights reserved. Lbw can I avoid paying Interest Charges? Each month you pay your "New Balance" in furl, you will have a minimum grace period of 25 days with no merest charge on al new 1) purchases, 2) balarrce transfen, 3) special purchases and 9 other charges. If you have been paying your account in full with no interest charges applied and you do nor pay your next bill in cul, prorated interest charges will be assessed. There is no grace period on cash advances. special transfers, or on any new transaction when there is an onprid holare from a previous Lbw Is the Interest Charge applied? Interest charges accrue from the 11 date of the transaction, 2) date the transaction is processed or 3) lint calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in full. This means you may owe interest charges even if you pay the entire "Nese Balance" one month, but did nor do su for the previous yttenth. Unpaid interest charges are added to the proper segment of your Account. H owever, we reserve the right to not assess interest charges at any time. Do you asses: a Minimum Interest Charm.? Yes. A minimum INTEREST OshedGE of sass sell be assessed for each baling period your account is subject to an intent charge. How dM your Calculate the Jatemjauwat7 There are several calculations that are used to determine your total interest charge. t. To get your Daily Balance: For each segment, 1) take the beginning balance awl add in new transactions and the periodic interest charge on the precious day's balance. 2) Subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. Howeeer, a you paid your previous month's balance in full (or it your balance was zero or a credit amount), new transactions ostrich post to your purchase or special purchase segments are not added to the daily balances. Also, transactions that are subject to a grace period are not added to the daily balances. 2. To find your Average Daly Balance: 1) add the daily balances together and 21 divide the sum by the number of days in the billing cyde. 3. Estimate your Total Interest Charge: 1) multiply your average daily balance by the duly periodic rate and 2) multiply the result by the number of days in the billing period. NOTE: Due to rounding or n minimum interest charge, this calculation may vary from the interest charge actually assessed. How can cry variable Annual Percentage Rate (APiti change? your Self may increase or decrease bused on one of seven standard indices reported in The Wail Street farmer To find which index is used for your account, look for a code (P, L. C S. U or F) on the front of this statement next to the APRs). Then cheek the table below: Code next to your Annual Percentage Rate (APR) Index which your rates are based on When your Annual Percentage Rate win change P L C S Quarterly Priem+ margin previously disclosed to you Quarterly LIBOR - margin previously disclosed to you Quarterly CD • margin ptrriarsly rlsclosod to you Bankcard Prime • margin presiousy disclosed to you The rest day of the falling periods Coat aid in .larasry, Aral, July and October. 0 F G Monthly Prima • margin previously disclosed to you Mondry LIBOR • margin preciously disclosed to you Treasury LIBOR • margin preriou sy disclosed to you The first day of each monthly billing period. Are there Additional Fres associated with my account? Yes, under certain circumstances. you may be assessed a Late or Returned Payment Fee. You may also be charged overtime fees it permitted by law. We reserve the right to not assess fees without prior notice and without waiving our right to assess a similar fee later. How can t Close My Account? You may dose your account by calling et reciting our Customer Relations Department. At that time, we .slit provide additional details including payment information. If you use your credit card or charges post to your accnutst atter you ask us to close it, we can keep your account open To avoid paying wry applicable membership fees, call to close your account prior to the end of the cycle in which it is scheduled to be titled. What happens Lf sty (rrount is Suspended? We may dose or suspend your account and your right to obtain credit et any time and for any reason, even if you are not in default. Account suspension can be permanent or temporary if your account is closed or suspended you must 1) stop using your credit card and account, 2) cancel al automatic payments, 3) destroy all credit cards and access checks, and 9 pay all amounts you owe us, men if they were charged after the account was closed or suspended. Hove do I Make Payments? Payments you mal tom will be credited to your account as of the business day we receive it, as long as.' t) you send the bottom portion of this statement and yule check in the enclosed remittance envelope and 2) your payment is received in one of our processing centers by Spm local time. Please allow at least (7) business days for mai! delivery. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. 002 I? Mailed payments received by us at any other location or in any other form may trot be credited as of the dry we receive them. Do you Process Paper Checks as an Electronic Funds Transfer? 'When you provide a check as payment, you authorize us and our agents either to use information fmm your check to make a oneaime electronic fund transfer from your deposit account or to process the payment as a check transaction. When we ane information f rom your check to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receive your payment and you win not receive your check back from your financial institution. Yon authorization is not limited by the date on the check. We may resubmit and electronically collect the returned payments. What It I lye for Bankruptcy? If you are entitled to bankruptcy protection, this communication is for infomtatian only, it is not an attempt to collect, assess or recover a debt or claim. Do not send us payments without speaking with your hanlouptcy attorney or the Bankruptcy Court. If you Or your attorney would like to contact our bankruptcy claim servicer directly, please contact: Capital One • PO Box 30265 • Solt Lake City, UT 64130-0265 BILLING Inning SUMMARY (Does Not Appy to Small Business Accounts) What To Do It You 1tsMk You Find A Mistalce On Your Statement: If you think these is en error on your statement, write to us at: Capital One P.O. Pox 30205 Salt take City, UT 64130.0285 In your letter, give us the following information: Account irdumation: Your name and account number. • Dollar amount: The dollar amount of the suspected mmr. • Description of Pmblerrt: If you think there is an error on your hill, describe what your believe is wrong and why you believe it is a mistake. Tots mint contact us within so days after the error appeared on your statement. You mus: notify us of any potential errors in smiting. You may can us or notify us electronically, but It you do we ere not required to investigate any potential erron and you may have to pay the amount in question. While we investigate whether or not there has been an error, the tollowving are tote: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, it we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. •chile you du not hare to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible fen the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your lights If You Are Dissatisfied With Your Credit Card Purchases. It you are dissatisfied with the goods or services that you have purchased with your credit card• and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, al of the following mint be true. t. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do trot qualify. 2. You must not yet have fully paid for the purchese. If all of the criteria above ere met end you are still dissatisfied rsith the purchase, contact us jn writing at: Capital One P.O. Box 30255 Salt Lake city, UT 64sanozos While we investigate, the same rules apply to the disputed amount os discussed above. After ere finish our investigation, we will tell you ore decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Capital One supports le emotion privacy protection aysv vebsire at w.capitaione.com Capital One iso federally registered service mark of Capitol One Financial Cbrpwa:ion. All rights resewHl 6t 2010 Capital One TC•05 03ut)1yt1 Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account number on your check. MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 Pay to the order of 200768 Date 12763 68-7270/2560 42885-01 Use by 08/31/2071 VOID $ Dollars For inquiries call 1-800-833-6393 Richmond, VA Memo Signature n'3276311' 1: 2 5607 2 70 11:75 100 116 24 78 211' Use your account even where credit cards aren't accepted The checks on this page give you easy access to the available credit on your account. However you use them, they come with your purchase rate—and no transaction fees. Any checks you write will show up as a transaction on your statement, just like a purchase with your card. These checks are great for: Purchases Use one if you need to make a purchase where credit cards aren't accepted (like at your wholesale club or a craft show). Cash PLUS:. NO TRANSACTION FEES! Transfer balances today! NO2 Use the attached checks Write a check to yourself and cash it at your bank. You'll get the OR same rate you pay when you swipe your card for a purchase. Transfers Transfer higher -rate balances to your account. Just write one of these checks and send it to your other creditor like you would a normal payment. 2 Give us a call 1-800-833.6393 OR Go online transferbala nces.capita lone.comfoffers Interest and Fee Information APR for Check Transactions and Balance Transfers You will be charged the APR for Purchases, currently 17.15%. This APR will vary with the market based on the Prime Rate, as previously disclosed. Fee None. How to Avoid Paying Interest on Check Transactions Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. MARGARET 5 LORI 801 GRANTHAM RD MECHANICSRURG, PA 17055-5825 Pay to the order of VOID Date Use by 08/31/2011 200768 12764 68-7270/2560 42885-01 Dollars Richmond, VA Memo For inquiries call 1-800-833-6393 Signature x'1276411' I: 2 560 7 2 70 11:7510011624782n' 'FEDERAL RESERVE BOARD OF GOVERNORS REG. CC Questions about these checks? Q: Is there a transaction fee for using the enclosed checks? A: There isn't. You won't pay any kind of transaction fee to use these checks to access your Capital Ones' account. Q: What APR will apply when I use these checks? A: These checks come with the same APR you pay for purchases you make with your credit card. Q. What is the difference between my "credit line" and my "available credit"? A. Your credit line is the maximum amount Capital One will allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. 0 3:1m O N m0z XI G m a vz m 0 ]7 1 ▪ p Z z Z n v) Z N Z 1 a co▪ m z c m r m r * m 3H31-I3SHOON3 Q: What can I use these checks for? A: You can use them for almost anything—whether you need extra time to pay a bill, want to give a check as a gift, or just want to have cash on hand. Another way to use your checks is to consolidate debt from non -Capital One credit cards and loans. Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. They're a great way to "charge it" at places that don't accept credit cards. important information About This Offer • Please make sure the total of your checks, transactions and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if: - Your account is delinquent, overlimit, charged -off, or closed - You have filed for bankruptcy - Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment - A term of your account relevant to the offer (like credit line, APR or your special transfer rate) has changed since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • $0 fraud liability claims are subject to verification and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of your Customer Agreement. Please be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital One account. • Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. 'FEDERAL RESERVE BOARD OF GOVERNORS REG. CC U 20' 0 Capital One. Capital Oie is a federally reg scrod service mark. All riot:s reserved. 0 n0 m z m O n� m vm 0 m n H -n 3 z 'U Z O a r Zn z 1 a m c 6- o� z En m r * 3H3H 3SH00N3 THINK TWICE. InterestPlus Online Savings • Think a great savings rate • Think a 10% quarterly bonus on interest earned • No monthly fees Learn more and open online at ca pitalone.com/grow35 Use Offer Code DJY7YCJDF 500681 Turn aver for more information and important disclosures. Platinum MasterCard NEW BALANCE 51,554.78 Page 1 of 2 1-800-903-3637 www.capitalone.com MINIMUM PAYMENT $40.00 PLEASE PAY AT LEAST THIS MOUNT X0X-XX(X-XXXX-2299 DUE DATE Aug 10, 2011. Credit Limit: 52,000.00 Available Credit: 5445.22 Cash Credit Limit: 51,000.00 Available Credit for Cash: 5445.22 Previous Balance 51,573.68 Jun. 14 -Jul. 13, 2011 30 Days in Biting Cyde MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay mire in interest and it will take you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Minimum Payment $56 16 Years 3 Years Your estimated savings if you pay off this balance in 3 years: 83,429 82,000 $1,429 If you would like intimation about aedit counseling services, call 1-806-326-5055. LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of op to $35.00 and your APRs may be in.aeased rip to the Penalty APR of 23.15%. Payments and Credits Fees and Interest Charged ) _ ( 541.00 + I 522.10 Transactions New Balance i. ( so.00 _ 51,554.78 1 Renewal Notice - Your annual membership lee is 539 and will be billed on your 11/2011 billing cycle. See both sides of the first page of this statement for important information about rates and interest charge calculation. (TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR MARGARET S LORI #2299 1 02 JUL PAyME_N( (541.00) FEES 'Total Fees This Period Total Fees This Year INTEREST CHARGED INTEREST 0-iARGEPUP.CHASES Total Interest This Period Total Interest This Year 50.00 50.00 522.10 522.10 5161.90 Capite- Get Payment Protection. Capital One 'aync'lt 'rotection can p ovidc ycu peace o- rri-d in these uncertain economic times.. As Icng as you meet certain eligibiliy requirener3, Pay-nent Protection wi I make your nr nimu-n rron:hly payment ... • I` you lose your job • I- you are n.ued and cart work Plus, we'll make one minimum payment a year... • No questiors asked. Find out more and enroll today. Call 1-888-527-6904. 300032 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your acmurrt. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.15% P 51,508.01 Cash 21.15% P 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057307922299 13 1554780041000040008 Account Number: 5178-0573-0792-2299 Due Date New Balance Minimum Payment Amount Enclosed L Aug 10, 2011 I ( $1,554.78 j � $40.00 • PLEASE PAYAT LEAST THIS AMOUNT MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 IIIIII'1II IIr'III11111111.1.1.1111111r11111.11111I111111.11IIIII, I 522.10 SO. ca PAPERLESS STATEMENTS Stop waiting for the mailman. View up to 13 months of statements anytime -online. Sign up at www.capitalone.com 400007 Capital One Bank (LISA), N A. P•O• Box 71083 Charlotte, NC 28272-1083 I IIIIIIrlllrrll111rlrllllnlr'1111Ii''II' '111'11.'11111111 1d Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. INTERESTPLUS ONLINE SAVINGS Bank • Great savings rate • 10% bonus on interest earned • No monthly fees Learn more and open online at capitalone.com/grow35 Use Offer Code DJY7YCJDF MEMBER FDIC AranMl Percentage Yield (APY) is accurate as of 0613B/11. 1.10% APY applies to account balances of 51,000 or more. 0.10%APY applies to balances less than 51,000. Rates are variable and may change at any time. Minimum deposit required to open the account is SI. Withdrawals by online transfer are limited to six per calendar month. Each quarterly bonus will be equal to 10% of the interest earned on this account in the previous quarter In order to be eligible to receive this bonus. your InterestPlus Online Savings account must be open, and you must either maintain an average monthly balance of at least 510,000 in this account every month during the previous quarter, or, you must be an owner of an active Capital One" Credit Card in good standing (not restricted, not over limit, not past due), with at least one transaction per calendar month. The bonus will be paid to your InterestPlus Online Savings account within 4-8 weeks after the end of each quarter and will be reflected on your statement. This account offers electronic statemerrts only. The amount of the bonus may be reported to the IRS as required by applicable law. Terms and conditions of this offer may change at any time. This product is offered by Capital One Bank' (USA), N.A., and Capital One, NA., members FDIC. C 2011 Capital One. Capital One is a federally registered service mark. All rights reserved. How tan I avoid paying Interest Chargee? Each month you pay your "New Balance" in full, you will have a minimum grace period of 25 days with no interest charge on all nein 1) purchases, 2) balance transfers, 3) special purchases and 4) other charges. If you have been paying your account in full with no interest charges applied and you do nor pay your next bill in ruts, prorated interest charges will be assessed. There is no grave period on cash advances, special transfers, or on any new transaction schen there is an unpaid balance from a previous bit. Now Is Itse Interest (barge applied? Interest charges accrue fmm the :)dote of the transaction, 2) date the transaction it processed or 3yfirst calendar day of the pilling period. Interest charges accrue on every unpaid amount until it is paid in fail. This means you may owe interest charges even if you pay the entire 'New Balance' one month, but did not do so for the previous month. Unpaid interest charges are added to the proper segment of your Account. pnsvever, we reserve the right to not assess interest charges at arty time. Do you assess a Minimum Interact Charge? Yes. A minimum INTEREST CHARGE of 50.50 wet be assessed for each biting period your raccoons is subject to an interest charge. How did rots calculate the Interest Chnme? There are several calculations that am used to determine your total interest charge. 1. To get your Daily Balance: For each segment, I f take the beginning balance and add in new transactions and the periodic interest charge on the previous day's balance. 2) Subtract any payments and credits for that sego ertt as of that day. the result is the daily balance Inc each segment. However, it you paid your previous month's balance in full nor if your balance wss zero or a credit amount), nese transactions which post to your purchase or special purchase segments are not added to the daily balances. Alm, transactbes that are subject to a grace period are nor added to the daily balances, 2. To find your Average Daily Balance: 1) add the daily balances together and 2) divide :he sum by the number of days In the biting cede. 3. Estimate your Total Interest Charge: 1) multiply your average daily balance by the daily periodic rate and 2) multiply the result by the number of days in the billing period. NOTE Doe to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed, Hast can my variable Arterial Percentage Rate UwW change? Your APR may lease/sae or decrease based on one of seven standard tndkes reported In The Walt Street lamtaf To find which index is used for your account. look f or a code (P, t, C. S. Doe F) on the front of this statement next to the APR(s). Then cheek the table below: Code next to your Annual Percentage Rate (APR) Index which your ratee are based an When your Annual Percentage Rate win change P L C S Quarto!), Primo + margin previously disclosed to you Ousdetty LIBOR - margin previously disrdotsad to you Quarterly CD a margin prcrvinusty tue,dosod to you eankcard POime + margin previously disdosoa to you The first day of Ore Milting periods that rad in January. Apt, July and October. D F O (.monthly Prime + margin previously disclosed to you Mratttey LIBOR+ margin previously disctosw2 to you Treasury UBCR + margin previously disdosod Cr you Tho Errst day of each monthly bitting period, N. there Additional Fees associated with my account? Yes, under certain circumstances, you may be assessed a Late or Returned Payment Fee. You may also be charged averlimit fees til permitted by law. We reserve the right to not avert tees without prior entire and without wandng our right to assess a similar fee later. Haw cant Close My /(.county You may close your account by caning or uniting our Csntomer Relations Department. Al that time. we will provide additional details including payment information. It you use your credit card or charges post to your account atter you ask us to close it, we cart keep your account openly avoid paying any apprrcahle memiserahip fee,. call to close your account prior to the end of the cycle in which it is scheduled to be bated. What happens If my Aarourst Ls crrsoended? We may rinse or suspend your account and your right to obtain credit at any time and for any reason, even it you are not in default. Account suspension can be permanent or temporary_ al your account is closed or suspended you mutt 1) stop using your credit card and account, 2) cancel an automatic payments, 3) destroy all credit cards and access checks, and 4) pay at amounts you owe us. ew,rs if they were charged after the account was closed or suspended. How du 1 Make Peyratemv? Payments you ma) to us will be credited to your account as of the business day we receive it, as long ar t) you send the bottom porion of this statement and your check in the enclosed remittance envelope, and 2) your payment is received in one of our processing centers by Spm local time. Please allow in least (7) business days for mail delivery. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. 002 13 Mailed payments received by us at any other location or in any other farm may not be credited as of the day see receive them, Do you Process Paper Checks as anglectrantc Fund, Transfer? When you provide a check as payment, you authorize us and our agents either to use information from your check to make a one tine electronic fund trernter from your deposit account or to process the payment as a check transaction. When we sere intoemation from your check to make en electronic hod reorder, funds may be e,ithdrawn tram your deposit account as soon as the same day ser receive your payment and you win not receive. your check backfmm your financial institution, Toto authorization Is no: limited by the date on the check. We may resubmit and electronically collect the returned payments. What It I file for Bankruptcy? If you are entitled to bankruptcy protection, this communication is for intonrwtiun only, it is not an attempt to collect, assess or recover a debt or claim. Do not send us payments without speaking with your bankruptcy attorney or the Bankruptcy Court. It you or your attorney would like to contact our bankruptcy claims servicer directly, please contact Capital One ' PO Bot 30285 • Salt Lake City, UT 84130-01.65 BILLING FIGHTS SUMMARY (Does Not Appy to Small Business Accounts) What To Lx. Il You think You Fiord A Mistake On Your Statement: If you think there is art error on your statement, write to Its ai: Capital One P.O. Box 302.85 Salt Lake City. UT 841300285 In your letter, give us the following information: • Aa count information: Your nonce and account number. • Pnllaf amonnr the dollar amount of the mopected (To. • Desuigtion of Problem: It you think there is an error on your NA describe what you believe is wrong and why yens bdieve it is a mistake You mint contact us within 60 days atter the error appeared an your statement. You must notify us of any potential errata in svritirrq. You may cat .n or notify tra electronically, tart if you do we are not required to investigate any potential erten and you may have to pay the amount in question. While eve investigate whether or not there has been an erme, the following are ore: • We cannot try to collect the amount in question, or repeet you as delinquent on that amount. The charge in question may remain on your statement, and we may corrtnue to charge you interest on that amount. But, if we determine that we made a mistake, you will Trot have to pay the amount in question or any interest or other fees related to that amm,nt. 'While you do nut have to pay the amount in question until we send you a tutee about the outcome of our investigation, you are rnronsihlr, for the remainder of your balance, • We can apply any unpaid amount against your credit limit. Your Rights n You Are Dissatisfied With Your Credit Card Purchases. It you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried In good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the prchase. To use this right, at of the following mint be true 1. You must have used your credit card for the purchase. Purchases made wilt cash advances from an ATM or with a check that accessn your credit card accocmt do not quality. 2. You must not yet have hely paid for the purchase. Ti all of the criteria above are met and Sou me slit dissatisfied with the purchase, contact us in writing at: Capitate/ere P.O eon 30265 Sac Lake City, iT 64130.0265 While we investigate, the same rules apply to the disputed amount as discussed above. Atter vefinish our investigation. we will ten you our decision. At that point, It sue think you one an amount and you do not pay we may report you as detutgymst. Capital One supports information privacy protertian: see aur wel%ite M Ms'w.oaaritalane.eow Capital One iso federally registered service mark of Capital One Financial Corporation. Al rights reserved 0' 2010 Capital One True Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account number on your check. MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 Pay to the order of 200768 Date 12765 68-7270/2560 42885-01 Use by 09/30/201 ! VOID $ Dollars For inquiries call 1-800-833-6393 Richmond, VA Memo Signature 11'1276511' 1: 256072701;:751001162478211' Use your account even where credit cards aren't accepted The checks on this page give you easy access to the available credit on your account. However you use them, they come with your purchase rate—and no transaction fees. Any checks you write will show up as a transaction on your statement, just like a purchase with your card. These checks are great for: Purchases Use one if you need to make a purchase where credit cards aren't accepted (like at your wholesale club or a craft show). ▪ Cash Write a check to yourself and cash it at your bank. You'll get the same rate you pay when you swipe your card for a purchase. ▪ Transfers Transfer higher -rate balances to your account. Just write one of these checks and send it to your other creditor like you would a normal payment. PLUS NO TRANSACTION FEES! Transfer balances today! MEI Use the attached checks OR Give us a call 1-800-833-6393 OR agi Go online transferbalances.capiitalone.comioffers Interest and Fee Information APR for Check Transactions and Balance Transfers You will be charged the APR for Purchases, currently 17.15%. This APR will vary with the market based on the Prime Rate, as previously disclosed. Fee None. How to Avoid Paying Interest on Check Transactions Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. MARGARET 5 LORI 301 GRANTHAM RD MECHANI3RURG, PA 17055-5885 Pay to the order of VOID Date Use by 09/90/2011 200768 12766 68-7270/2560 42885-01 Dollars Richmond, VA Memo For inquiries call 1-800-833-6393 Signature ;1'1276611' 1: 25607270la: 751001162478211' 'FEDERAL RESERVE BOARD OF GOVERNORS REG. CC Questions about these checks? Q: Is there a transaction fee for using the enclosed checks? A: There isn't. You won't pay any kind of transaction fee to use these checks to access your Capital One* account. Q: What APR will apply when I use these checks? A: These checks come with the same APR you pay for purchases you make with your credit card. Q. What is the difference between my "credit line" and my "available credit"? A. Your credit line is the maximum amount Capital One will allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. 0 D O cn m z m0 <f ma O O33 ID z 3 z O n a m z 1 m im c r 1 O O £ c m r m r * z 3d31-1 3SUOON3 Q: What can I use these checks for? A: You can use them for almost anything—whether you need extra time to pay a bill, want to give a check as a gift, or just want to have cash on hand. Another way to use your checks is to consolidate debt from non -Capital One credit cards and loans. Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. They're a great way to "charge it" at places that don't accept credit cards. important Information About This Offer • Please make sure the total of your checks, transactions and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if: - Your account is delinquent, overlimit, charged -off, or closed - You have filed for bankruptcy - Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment - A term of your account relevant to the offer (like credit line, APR or your special transfer rate) has changed since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • $0 fraud liability claims are subject to verification and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of your Customer Agreement. Please be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital One account. • Cannot be cashed ata Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. 'FEDERAL RESERVE BOARD OF GOVERNORS REG. CC U 20'0 Capital One. Capital Die is a federally reg s:ered service mark. All riab:s reserved. 0 D O m N O a -+ m 0 a m O• xi N T y z s D � z O n a D y 2 O UJ = 1 W m C r 1 O O Z m r r * 31:131-1 361:100N3 Pay less interest: Transfer your higher -rate balances See your personalized, money -saving balance transfer offers that may include: • No transaction fees • Rates lower than your purchase rate Transfer balances today! Give us a call 1.800-955-7070 OR Go online transferbalances.catlitalone.com/offers 500536 Platinum MasterCard NEW BALANCE $1,537.36 Page 1 of 2 1-800-903-3637 www.capitalone.com MINIMUM PAYMENT $41.00 PLEASE PAY AT LEAST THIS AMOUNT XXXX-XXXX-XXXX-2299 DUE DATE Sep 10, 2011. Credit Unlit: 52,000.00 Available Credit: 5462.64 Cash Credit Limit: 51,000.00 Available Credit for Cash: 5462.64 Previous Balance Payments and Credits r 51,554.78 j — 540.00 Jul. 14 - Aug. 13, 2011 31 Days in Billing Cyde J MINIMUM PAYMENT WARNING: tt you make only the rraninvam payment Bads period, you will pay more in interest and it will take you longer is pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Additional Charges Are Made Statement Balance Minimum Payment 855 Your estimated savings if you pay off this balance in 3 years: 15 Years 3 Years Estimated Total Cost $3,381 81,977 $t ,404 If you would like information about credit counseling services, call 1-888-326-0055. LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35-9) and your APRs may be increased up to the Penalty APR of 23.15%. Fees and Interest Charged l 522.58 ] + Transactions New Balance 50.00 51,537.36 (TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR MARGARET S LORI #2299 1 02 AUG PAYMENT (540.00) FEES Total Fees This Period 50.00 Total Fees This Year 50.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES - Total Interest This Period Total Interest This Yeat 522.58 522.58 5184.48 Image Card° ... letting YOU show through. Image i'� ■ Card 1 7, Create your own personal masterpiece. Just visit capitalone.com/imagecard. 300033 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases Cash 17.15% P 21.15%P 51,550 26 522.58 50.00 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057307922299 13 1537360040000041001 Account Number: 5178-0573-0792-2299 Due Date New Balance Minimum Payment Amount Endosed L �r l Sep 10, 2011 1( $1,537.36 11$41.00 1 I PLEASE PAY AT LEAST THIS AMOUNT MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 llrrJlrr1111rrr1rr111rr11r1rr11111rr11r11111111"11'11111r1i111 GREEN FACT! 1 tree can be saved for every 13 people that go paperless. Sign up at www.capitalone.com 400005 Capital One Bank (USA), N. A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111`111"VIIIAlrhlllllrrlllllrrllr1rl11rllrrllllllllrh1l Please make chedcs payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Transfer balances today! Give us a call 1-800-955-7070 OR21, Go online transferbalances.capitalone.com/offers Transfer all of your higher -rate balances... ✓ Other Credit Cards I Retail Store Cards ✓ Gas Cards ✓ Personal Loans ✓ Home Equity Loans ✓ Home Loans ✓ Auto Loans ✓ Student Loans ✓ Anything you've borrowed How tan I avoid paying Ilaesest (harms? Eu:h n':000 7111 4^r,• !;1111 14r1:1 Eolah:'e in toll, you s:•11 have a mrur )7J:a 1:471'1 :A 25 loo 0111 n> intrust :x, yli m01' 1)10=4: otro.:) toloil 1 a,n:l:l2). 31 op:41 pu:ha1rt 0119 4) >dlh :00 jos. tl }';Ar halm torn ta}i0g 11111 a:::104111 tut with no )40:,17 1100' x0:1003 ad Pu 1:• n?. pg }.lav nog. til 511mq, :1x000) hoar . riru ges s i8 t. as:-est•1 Shoo is ro gro:0 •r'ri0l xr :.vel, 910,107, ?Feial 4'11,11, r, 7 x4, am now0a,r=13004 44101 10'.00 +9 00 011p1:1 t))1701077' 4 t>eN:p,f tik. How is the interest Cha,ttt, applied) I:1w•n;hvlgor 11_,10 too dno 1) btt t N0 001150:474 2) 9.„ N9 arca:dm 1, r:r,ssol 7 T FIR :t01din b• 11 hoe 7)0)00: p:iol. Into 2)t: huvger a::air 71 WO.;,070141:'04:)) 111.1 It if Fold 7. tub Ott 1rrons pro 000 T_; 044,77:flat+,r010or:I cop70)10000)00 Oro 'How E1.1417117., :1001 11.11C4 to 111 rest to .17 the Fro ioo h:<C:. Unpi1 tCori 01:hogoo rat 411,1 to thy )>upo 004117+1101 y-011 '.:0010. On11017.1, v,. Its0lsz thh right to Glut 0110001: 0)01:00030s al00711•^r, Do you assess a Mininerm Interest Chen"? tot 4 ain't; un- :On nit 011043E 71 1,::.5: we5 te'0 r-1 t:, cath ti51g047107) r10 4:,:0,111010 lutje:110 m krrtoA :hogs. How did you Calculate Ow 'Mario( Charon? :too se 1)0111=J) :ut oOOrnu th=i. tee 0401 0 00100 000 your loot i0n,5t ;brig,. 1, '3 311 7101 Oki R,lutcr: F7 015.4 013,70:0. 1,11k N0 I:ginni ng 740000 0143 •dl in new ourno;doo and thy 701,11: ioe:rst :tong, 7t die 041711)110 Dare Eliot,. 2) Oita:t .7 Fvp:'on1 rd :rodiu to dot 0zgl4Hd us :4th:) ln'. I4,, rv00La It rhe lily tate,. tor e.ch sogu'n't. t)T:•rsz:, 11 7; : 7 ?1 720 )nesl:a,t 7010', Galin 00105::t i you. 1,12%! 0000 rot 71 70019001)10000103,nes:11nr0:d740 sotd:h 00) 17 }7.11coo 41110 7. oF0t'o4 ),a:hare 00'11rt'ob uo 10? olll 1747 lazy t;0x,xt.1111•, u%1%A.", Nat 011 rail)~:: o a 7'x0lxdal 0011171 all) t -J chr lady ttan:os. 2. i7 tic }nn 4sooagr )101, Etan:e: t) aid No 1027 tlah:t0 oged:0) and 2) en0. It a nay by limo write: ;4 bye 10 to titi:g :7:10. 3. 611000 you o?t 10.0001 :40.111: 10 o'Ih!plr 7111 rzlag0 lad;• 094111! 7714, la?'; Fot!:S: rate and 2) notipt' drr 0•.01177100 ,•1+171: of Ioy k: Ne 01'u,y pot). 037E: rot to readkng 7 a it sdn,ur I:fx:ort ;hags. Nit '1,1310301, n•Jy 1117 hxr dr 11110,001 :torso L: irilb r:.. -o1. How 71111nsy variable Annual Percentene Rate (APR) change? .171 AGN O'arto:10100 7 0:1000 bJ;r9:m 7:0 71 1411: urs:lnd in;:,, ocono1 in 1w 7(1141 S4eet Jumrroi. is 1!01014th it'd:; IS trill tat y70 00.001. oat Ix ...101. L iUot Leith0)174 A 100,,b O,reAn':.du No.4PRI1). Thou:ha:kt:ut)o 71)10:: Code not to your Annual Percentage Rate (APR) Index which your rates ase Cased on When your Annual Pernnnage Rate will change P t. s J,mtorlyltirre Ir'gin pool7ntk 111:1001110 y10 3)nE117UP3R 'a0get 7,rsi040)7 S0:to:rl 11771 311:10)730 /yogi, prvi7 iylslo:Jl 4;111 E9tar1 hart warg:n F1rsi1urly 1:f:wool to 7:41 The lir a):y7l do71)01 (..ill:'dr�t ool'o IOW tit 14,10 '0.1000,. EI f a MonIAyrakre n0gln F1e0iourly dint:ced t3 }-111 M,ntldyU.x'R 7151g»splrvt,u1ty 1:0.135.110 you TroaornyUR3R n+J4a10osirudy1i0J:rl t0 yxo The tiro do; of oath )road y tiding Fo:iol. Are theeA/dilimapl Fee modem' with my aroma to. uioln nano i:un'Arm, you nay 200100,—;019 kat, 7 Roluinol P07r1,4 Fra. You mfr 4!r. to 1000001: r,4ird tors d 010rc0177!10. 000 loom 3, right to rot 0." troy 171775 }: i7 roti 0 mill s:'th>o 1:04409 As r'I 01 o 910007 a srri]n tot t0, How tan I ;lase My Arrmoe7 You 00,0 :Lor ;ors 0.:00,4 ty 000ng a silting .1110 :uxtory Rtlypxu Eoyntn'nrt rt drat tiny, 0, v:1 pori10 ul0idu:91110,20 i:s:1o1)u pa) r±m 1:470+,,Gm. C pu 000 2)01 :ell :MO 2nior,gos O.'S b }:1' 10770 On, 1,l7U 100071, 01:c, . 0, :90 1000 }:04 00:0014 1) 011. TO rah) F1;in3 or; oo.ibitto n .,1,.etship Los, Lull to Joe pt.. '1:;1000 Oil) to Ne etc) 7 No :;:le ill sloth a i0 Flhrdulo3 o to Ub1. What happens flog Amnon' is S»spondedt YSr mil :too 7 0914=0,1 2111 •1::.30)0 rad put light o ,ttin UrSt at soy 0n'o and to any :1711, 0001) i 7711 urr ho in 11111. 4:10ure 0uyznbn 100 to port mr• 7 torproty. It you 010700 h cuiol 7l nro)adol you 11201 t) not using 71711 101t :,:1 and 0:1:ud 2} om:t141 ,ret: 70)) 000,;) ioal>y 010115 :•,11 ad'o' "11' 'loot, an aI ):'Jy tl aur:I4100 you>ws ce, 01111 a t4, 1• wise :h01ga1 do: Cho t000,o, war :tool ar ou p11.1rl. How do I Mate Pav10Mns1 Pro au: ,ray 0r 1911 in o,s,a! 1,271: 1. •14110 ty aobg a wvot,r1tv!aa.:0r, rad ogrlsg 01. OAP 'r.:.:0,0 2. rotech7o, '100, R=epns0 Sot, ty 510617 145=455-7.;;7: and Ia2>vdng rho yott pony . Mon }:'u r ate a tlm:m: 7 40100through our 0,70100pns• 1}011 n', you 0uth7in 1110451A an /CH 7 040:474: dastard that oil to 1,tit01 Iron 714 tank a::7at fund, tray to v.iddrawn how yaps tri 0001010. ve .711n. Olt 00001o.; 0:r 71 1.0vs Tan 040}0171. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. 032 13 3. 011h,a 7a t:rio:hone ;oar, nowt", 1,E57.-305-7:7: gnisrniding put Honor 1on o711 ;at ;oral ¢I0r10101ire. a. P,,1,05 t7.11'00 017111 to onto Cha m93n, alilr» prTS1o1:t, Nr ban, pitun 01 this Orton on. PJp:wos vi) 00 0045 of b pot 007101 •fa0rde.r,l4O0zc Nit ohln7 •r 7 N0tusk:00 try 04; » it ao t7sgas troy''o mloty5nsl El • for 0';;719 Fr030 r : M Ch, tuas:, rnss 107 140000 t. or 1704', : 1} 9711 orn1JN1 toter 70.1011 >I d71 !Ucnna old :OAP :ho:t kn Nr oiclorl :Hrktrr'o t k,b:t, std 21 0110 {?,7111710 is itootoal kn a„ 7 7a F:0;a0r:ltg :00101 t7 Sp' 13o0! itnw. 0409)1 ',IIT': t loan .7) [111)00, 1':1': tut witil deliooy. M4koi Fr0rma5 ,: ,001 by no a? 907 :dln la:.ten 7 in any 751%1 t;rir n'771131 tr otlitol 00:41001+r; 0, Io:giro too'. On you PwLo'ss Paper Meth an an Electronic Funds Transtcrl P Jw'rrus ,—at to p3:zsrel ie 3:,!' 100 Wr,Ull VAN: 770/01.010 a ;f:r:k'o :ttr:k nd:nn407010 onto 9)0001)0 , 7111 nrtflx'sr- ur 71 Oil 07000 p 010 On. il4:nneai: n 17 n Ott a' ax ti rt a 71 hon,14Jan :n :0C1 rt":DJ:): lural 0,,:!o, 0170 7001 loporit 1;llntd. tV.e Inn; alto trio tho !111710 471 4 0.'0:104 dl," Fap00,00111l:o:khnlruoior 1 4004 if I tile for Barinu rel d 209 00 oiddol t> tanbuE:1y 70:00:000 0000 ,000'sas:a11:1 is 17 i,l711957u ant„iit 101an11)10000b'':Ar.:t. 91100111114:71.4t1t 1rG7 d,hi', ISO sold u. ptij.JTt00 wit1171.O sprokig:11, 711' t11A31µa..y vuottu14 tht n,Jnihu7Cy Core. A7aJ 7 p0 vernly soul Ito o :7nutt x11 tunkµ'Cy :lain a 0r.410 li:xd; F00911 :000416 Zur.11u17nre • tW COs OSR7 • F:i:Mrord. '0423215.5177 BRIO* MGM) SUMMARY Not AR,p,rits S•o,oim B0.ti4eas Atwv:L•: What To Do If You Ttink Ton Firm A Mistato On Ynsor Statement it yon dirt Cony i0 110 ,ice 7, 17a 00200)101110,1)0010 "Zacital 311 P.O. Els 52.2); ,Or Lot, City. UT 004171'.34.5 En poi 4,102), gine us thr tohowit, iA:a,rad7,: • n,;7ar, 4:1111:'5x: Y:1,nnre rd'91:rut torte,. • :aiku 1.11721), '1W 1310, nr0:,e:I rho ruyz:rod sola, • 7'001103114:4 Potton; n ••7u trir:KNr:o i; In onx 37171'0 till. 100:,)11what y:1710101. !i 4.10ng oil why you t,kore kir e :1007,. Yat rrui2;7nrt us VSOOn 53lo7s 4to0101 ort3r ,Jppoa'rl 00 put 007011.102 Ya, 111117 inch.; u, aim A07 1:11,6,1 H:' 1 s kI ...idn.A. You 11'07:41 111, :illy us tt: trout Ay, to 11 pill:, so, r. r lot ro:tuin1l 411-01gvto gray potrrdal tn.! aid 7111 n!ri has, to yogi, nrount 4,I:potion. .'Role w•: 01.111,31.9 slisoho 01011001! tva t1,111..1•10:. t4,. ):1us:cy no our: ' 041 :1001 Uy to :olM) dtr 940104 In;)100:x0, :n 5 ; 0) pu at dEEnon,ot x2)17000 9'1:01, fit :11141 ill guestioo tro5+,n-4n 00:7:0000100,0% Stu100 r a7•:7n1k101 b :140:;0 7aa 101,00 72) t0,10rwn7 E:01, It letn:rino:tutroe oat: Frioto:.,.1 VSA 117111400 py Or'nrmue in Tani:M. mr,' 1071+103: 11401;,71,11,1 to tht 1111 lava '1:1110 7`p: 13 nit trod to {017 N, 771'310 in guottin unO v., 11111 100 9 mato Lt7A Cho 301:7('0 It 711 z,ega477. }'111 t0110F7e1ti0 171111r rn akdnl :4 put 79)2:1, '100 0009)}17.7 top ai1 1.ttr70t :cold limit Your Rights It You Ate Dissatisfied With Your Credit Card Purchases. II CN no 1,o*0,lh1 with do gout” 7 rost.o. the you hJre l:mlI.arei .eh 1117:0101:111, unl 710, herr hill nI goo led' o _:4,0:t to En.Clen' with 771:41,14, 7x11) hale rho 11:10 l711pryOrr onainl.g01:,110111470701 )011:4004.1900'7 this 741,1,90 71 10, 1757141? IrOo-: 70 0090: 0.0710001 7'x0.0 0101 ;77 :roS 7101171 thr doIris,. 000:0,00: 0.911 with Ulm:os h7r of AIM 7 s: ;, ; :he:kth'a OO011irl Inn :0.,191100000201101410407. 7. Yuri non mot 727 hal: kik Fait l7 the p0:haa7.11 al 14 the uknio 00000117 :rot On: 711: ole 1311 S01oAthol soil,') Lor 70000st.:on'.as kyarayi 017)4:3 0 Pte. Fah 33 33 Out tvk^ ;ity. UT 44.413,:•3105 111010 s? kn'o7tl5'lr, too 0 triter !µ:04i; to the 2i '7001 •1r1on ave Sunn.sol ! .:Ito , knish 1020 itrohIgition. 1:z war toll ;109 01071,141,0. Al Nat pine, , !I s:±:hint 1.170: 111'111 w::1 m17311;U not 4 i wo may 10µt you 91 14'1'.{ tort, 01)114 Coot 194300: )11711911x, p9W-07 0nto:O : sat out retsttte'A v ow,atiot01 .:aa Cap3:4 7,:0 H a tait0iy:ogitot1?rni:, n'ak ul Ca)'it t ac Fran::hil Expnottm..AI right. t000nl 04 2111' mitt :010 tc.OR 0701111 Not quite ready to make payments online? No problem, Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement, Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account number on your check. MARGARET 5 LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 Pay to the order of 200768 Date 12767 68-7270/2560 42885-01 Use by 70/3112011 VOID $ Dollars Ca - Richmond. VA For inquiries call 1-800-833-6393 Memo Signature 11'1276711' 1:2560727014751001162478211' Use your account even where credit cards aren't accepted The checks on this page give you easy access to the available credit on your account. However you use them, they come with your purchase rate—and no transaction fees. Any checks you write will show up as a transaction on your statement, just like a purchase with your card. These checks are great for: Purchases Use one if you need to make a purchase where credit cards aren't accepted (like at your wholesale club or a craft show). • Cash PLUS: ' NO TRANSACTION FEES! Transfer balances today! ® Use the attached checks Write a check to yourself and cash it at your bank. You'll get the OR same rate you pay when you swipe your card for a purchase. ▪ Transfers Transfer higher -rate balances to your account. Just write one of these checks and send it to your other creditor like you would a normal payment. Give us a call 1-800-833-6393 OR Go online transferbalances.caoitalone.com/offers Interest and Fee Information APR for Check Transactions and Balance Transfers You will be charged the APR for Purchases, currently 17.15%. This APR will vary with the market based on the Prime Rate, as previously disclosed. Fee None. How to Avoid Paying Interest - on Check Transactions Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 Pay to the order of VOID Date Use by 10/31/20f 1 200768 12768 68-7270/2560 42885-01 Dollars Richmond, VA Memo For inquiries call 1-800-833-6393 Signature 11'127681i' r: 25607 2 70 1':7510011624782" 'FEDERAL RESERVE BOARD OF GOVERNORS REG. CC Questions about these checks? Q: Is there a transaction fee for using the enclosed checks? A: There isn't. You won't pay any kind of transaction fee to use these checks to access your Capital One&' account. Q: What APR will apply when I use these checks? A: These checks come with the same APR you pay for purchases you make with your credit card. Q. What is the difference between my "credit line" and my "available credit"? A. Your credit line is the maximum amount Capital One will allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. 0 mo N z mo ]7 ~ < ma v� m m 0- 17 p Z z Z O n a N z N =I u, r- - =.1 0 z C m m r x m 31:13H 3S1:IOON3 Q: What can I use these checks for? A: You can use them for almost anything—whether you need extra time to pay a bill, want to give a check as a gift, or just want to have cash on hand. Another way to use your checks is to consolidate debt from non -Capital One credit cards and loans. Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. They're a great way to "charge it" at places that don't accept credit cards. important Information About This Offer • Please make sure the total of your checks, transactions and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if: - Your account is delinquent, overlimit, charged -off, or closed -You have filed for bankruptcy - Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment - A term of your account relevant to the offer (like credit line, APR or your special transfer rate) has changed since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • SO fraud liability claims are subject to verification and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of your Customer Agreement. Please be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital One account. • Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One. N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect 'FEDERAL RESERVE BOARD OF GOVERNORS REG. CC t2 20' 0 Capital One. Capital O-rc is a federally reg s:crcd service mark. All rights reserved. 0 ao m = N O Ill 11 m O z r m o afn -n y 3 z z O O y r N 2 O 2 � O -74m C r ti O O Z mr m r xm 31:13H 3SHOON3 500716 Important Notification about changes to your account terms The way we calculate your minimum payment is changing. For detailed information about this change, please refer to "Important Notification about changes to your account terms" enclosed with this statement. Platinum MasterCard NEW BALANCE S1,518.60 Page 1 of 3 1-800-903-3637 www.capitalone.com MINIMUM PAYMENT $40.00 PLEASE PAY AT LEAST THIS Ar:A0ranT XXXX-XXXX-XXXX-2299 DUE DATE Oct 10, 2011. Credit Limit: 52,000.00 Available Credit: 5481.40 Cash Credit Limit: 51,000.00 Available Credit for Cash: 5481.40 Previous Balance 51,53736 1 — Payments and Credits 541.00 Aug. 14 - Sep. 13, 2011 3i Days in Billing Cyde MINIMUM PAYMENT WARNING: It you make only the minimum payment each period, you will pay ante in interest and it will take you longer to pay off your balance. Fur example: Payment Amount Each Period If No Approximate Time to Pay Co Estimated Additional Charges Are Made Statement Balance Total Cost Minimum Payment 15 Years T $3.30 $54 3 Years $1,953 Your estimated savings it you pay off this balance in 3 years: $1,377 If you would like information about oedit counseling services, call 1.636-326-8055. LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00 and yam APRs may be ir•.oeased rep la the Penalty APR of 23.15%. Fees and Interest Charged Transactions New Balance l + L 522.24 + I 50.00 ) = ( 51,515.60 1 (TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR MARGARET S LORI #2299 1 29 AUG PAYMENT (541.00) FEES Total Fees This Period Total Fees This Year INTEREST CHARGED INTEREST CHARGE:PUP,CHASES Total Interest This Period Total Interest his Year 5000 50.00 522.24 522.24 5206.72 Capile Due Date InterestPlus Online Savings .imill'ITh:1 • Great savings rate • Quarterly Bonus on interest earned • No fees Learn more and open online at capitalonedirect.com/interestplus 300034 INTEREST CHARGE CALCULATION Your Annued Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate F'utcheses Cash 17.15% P I 51,527.00 I 522.24 0.00% P 50.00 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057307922299 13 1518600041000040003 Account Number: 5178-0573-0792-2299 New Balance Minimum Payment Amount Enclosed Oct 10, 2011 \! ( $1,518.60 i i $ 40.00 : i i PLEASE PAY AT LEAST THIS AMOUNT MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 d'll'I'rr111111111r116111x'Illll'1'II'Il'1I111'1'Irll'Illll"II GO GREEN. SAVE GREEN! Pay online and save money on stamps. Sign up at www.capitalone.com 400006 Capital One Bank (LISA), N•A. P.O. Box 71083 Charlotte, NC 28272-1083 nlllll,lnrrn111.II.IIIIIILrlln4,rll.lrlllrllrrllllllllrinl Please make dledes payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How can I avoid paying Interest Charges? fob at Bill you p:y your "N -v: E'tionyo" ill lull, you will hove 'o n Minor gu:a Nodal 125 Joys with ti tal,,r..st :r,,l:,- ell tet:,) tixthosoy. blinks 0,11: -li it ,F-:i_ol T .1 4) orh:l h114 II 1's, his tem toting yo: ,..sld I lot with no n c: yhomos ockli-d and iuIt, not F'.1' you, nost t'It inTull, :"-_i I:-[:ho•g-: kill to ossossoi 711,1,s .1 lvii ',, •F•1'. v.nvlel:.0101`oily V 1.,,,t,l,el.n th-1 : ,•luny, it'i,rl_etulo t. How is the Interest Charge applied' ltiteisst .h g.• u..,`.- hie. Vie u d.+' 4th- v,1., vi,, _I d't• tha tions,tion-',--d_,,CI•[..1g1T- d.,of to:tilli,l,F_u`J.Intom= h -32 ',.."m1 , nitioHd oirount u:lci it is cold 4110. This 1:2-_11' you ney H::, it11111. tth,igls nand you coy the-:I[is''ov: E:I:' 1" onoiro11dn FIA ani not do sob: the a -vis' womb U:IF,7 hone :hxg-.,1- ollod ail doe pup -1 1,4v evil Ht your 1t iunt. ii_htt., Iu• , - .I . , ;.hrg.- ,. Do you assess a Minimum Interest Charge? y -..A. whin oir INTEREST lttihoE it t,,:':: r:.t,'_asess-i'olvitt! tiff Ig I:niud yo'v iittaunt is sutj-:ta on i1Clr:t h:ig-. How did you Calculate the Interest Charge? mel- `, - ..Leta .11,01. ,.: u -J r., let. -.Iii :_„ 1. 'o got 1',u• D,'y E,I,n., Fn ,,h ,d. h 1,5' ih- t -g: •nog Y.ol n`„- ,Ili odd �II - ugo:e..1;mo old tho Fehuit nolo' it art g- o. r - ,l nuns o. .t •s L,luic:.tt _. ill', no7roirte Hid . dibl10 301 s ,1 r : 111 th t d g1' T- ' :.-.t i1t`t.- doily tolooto .. , h sogutint . F li 2,11 F•c :nit „oly 1,till .o.,.olo - .d. - . ,:t: h'u _ii._'itvl,h'e.zv-n1'rnte _ue hot oil-duthe doily .. y t_i,n Also, am tti::nydTit:;lr yutje:b `, gnu e,'l 1 not ,7d-7CiCn-doily Nicol:.-.. 2. To nail toutvv'i,g= Doily Fib.”- 1)old th- siau.dr-1,1,i2) I' d- Tho r ty m- -riga dgil t,P:n:e ,1t-: d:)' tho tiding >3. Eotintiv p : .I'wi5!: ty- doily p1, ,Id 2) n,F1ydmat:ofJoys in t: -'tang p iii. KITE, Uro 101Juh"_nuldr.11. hi.:I::laion a',mhair 3- msisst :h:_, ',:n illy How can my variable Annual Percentage Rate (APR) change? Yore ,Vii laity u-':'- ii Jeuae - b,sod on n- Di :even 11»1:14 hrii:e. r ,lot -d n: The 4111 Sleet 200a/. TO lin: v,iti:h illi -c i. us,7 to: 1',:n o:.:uutL look Ii1 ro 11 d-;P,L;.i DUI 11u.lthg tion:ut LM: stitoiront ;HAY, Ni AtFC.I. Thom :h -:k lh- ['olio totuv,: Code next to your Annual Percentage Rate (APR) Index which your rates are based on When your Annual Pen'entage Rate mill change P I. 5:11112 Niro iroighl N'vi,u.ly dls'.i, I to 1':o 5 112ly Li,'S iiy 111th=:-i[i y." r=Uo'..IJ 1' li. -dl, you E nk:,i1 hin, 11-v1g 11 F `,11/U=l1' di,Jus-4ayu Tho lilsdoyut de thing F-1i:is dor on ill lul,Iy, lik July yid ru :tut.:e. D F Monthly Mina 1'14111 Flniiush; dizIII IC' you hi 0iittd'y LILT .,,"gin Freybusly it:iu.-d toy Trco=w1' UE±1R II)IJln ;a-,iuulydisilos-d to you Re list ioyat Inch 1..nC11ytiilu13p,lu5. Are there Additinnal Foes associated with Illy account? Y's. uodo :=lt,in :il:uI,ton:-s 1.12 troy tl ,::-,:-io cote u'R-tu^4 P,ys.. ::. out-., oro t. o- Ys -d... 't,,.F t--•'' corivittod ty.s,. I' I..'.,. 3•-lightto r1,,• _-= ton ilium , p b: n..l.. =ml s thuul,';:i ing o1, light a r'• --ss', 4112 iiol 1-- 1.,1 How can I Clove My Armor., ntiy tloso put t . 11 y , ,,hong 150,1 , •I to tin= teratiroic ,lots . v.11pdd-oiifl i. 7-t.1 ,.d:1'F.., .. ..,,..11',12 - o - it :bolipat to L n., •...11tH ,lel •gill :,A :' lo :L=, it. ,:x :,,I kr. you: ;'':.0210'0) n. To ,`mid toying oils ',pec:otlo na:r'torshil: 11-', :sill to :lo'- you, o::uuii pi01 n 4,. -:i ut rho :t^.1- in wil'.F t I. ' h.3111-7 to to IMhat happens fi my Armin, is StAnended? 15`- •,y'I'.s= n amu:• :^li 1'n' r •milt • 'i 1'111 tight 10 ',tight 1 �- WC in de!ou&. A::ount suit--nsl- I ton to x 'I:1'',"v1' t`1=oil �.,•.-Iryou'.. I I tut way. 11 pinoti I.1Fe117e, you um,. i t :tit ti: i'ou._.oIL 2)7,1,1 ,1 -nte, ul dCaoy .II - s ..II- ll ',ria 41 tory -.J aromas ;,., owi t., own ' tiny L,_I- 11togodntel tha',:aunturs :I:e-i siau'':141 y o 2..... its .., y , ;-. - i ,• -.,..1 . r •i' E: going b How do 1 Make Pavrtlenis.. , ,, t. 1 ,J. I.. .., g a 2nd log.T,g 41t., loutottmint.. 'loth 41 4. F-,::'-__ _ Systein t, d: g bet:a-955-77:71Y bus" g the :o fo0:11.11 thhen>au1,,k- 1'rhun. pogrom tin Hugh ou!robs le - out us to ininiuot-,ail _.. 1'11:ouni: palit !hot kill to debt<J iiur your tank ,ur os,Finds troy to sithdu,:n Ion' ;out tmk _ , wormoss, n pop -c. Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. us? 13 r:.:ilfnn out C:41111l - :,0111 nowt<I 1 315-7S7:: ani ',tiding y-ou: 100,1 -uiuli r.:u' :oil :-1,t-I -1:I-s-ntetive. 4. Puynxnt' ty:roil should to sola o the Ir,i;lrp ,ddioss :i uv inti on M= t:div- piton ut this .o IL I,y1'-lits ,"I to .1ndt.J _ •F ',alit., :-, th Fu .i do tynoaa Joy', r--u•t,_.'o.' til., 7- tyl 'i,1Er • ":1-J F pt:H s '.1 1-th: to ,- Ie.. s. ling ) -II. CIe tattoonpittin of d'•s suvnln,t and ttm1 '.hook in rho 112121-7 1-C'ir,lee ec--lopo, sod iI ylu: F,prlly ie' 1 1,114 hi one of out t1' , t, Fr l-: - -. P aim of -t -71 L.' i-, d , !dodo.; F:`; ,nt- i-: 'mi by.',` _1,y rib Io...,.n Of in aryorll r to' troy mitt, u ,:: i;:'1 Cr 17,y va 1-,111- chair. Do you Process Paper thetics as an Eledmnic Funds Transfer? Ponrnlb ,.111 stip: Miter. you `:•i-,thott :I.:k mh 'r' Cu- tv f: -rt you outhoiLe1 at C., 11,t, intourtition Aa, I t. ".251 ton' ;i,t. :3 111:2 ,id vornim tioir,11tount. u,; the Ilum',un a poIC:ill-1 it ll :.t'e.ktl_n=y:UiiI What if I tile for BallkmvtoY? 11 sou _. R+' J lu • ' cup;.y pots.tion. m' _INIVI.gli1,C,h is to idol Fi,n only, r.- -tai 'L a 1 .',. dab) •' Do not •,1,11 hiu,i - mut •5125:1 with ,, to A.Ft.y .2s t: ,..1,211b.10:y L II .i, of pmalio. Do Nor to :,t.t t'tiu5t.y dams Flet.,-..,.,._ _I ..n,. • l' 3:7:2_ • 9,k Lot::ity,� Tis4'13:-..<<, BILLING MUMS SUMMARY Dccs,Not Aon., oSmall gnsl"essAtuimb- What Tu Do If You ?link You And A Mistake On Your Statement It you think Cel 1 i5 on ,4"414 ail 711: ?il1n'e1C ,:'lite to u. ,C 5,51121 ac I'.a. Bou 55555 dolt bk.:, City, U 15413:-72=i, Li[or, girl us the 11111v,ing ihl,nroti • ::i int 'itr1. Your narr1 ,td a_:nnit mart, ' (`;,11:11'JI untie- Th- dull,, nriunt;I the cusp -:ted 2121. • C1,,,ii1.1b11 of Potl1111' you think eh „s ,i1 L!I, ie•..it: nh,t you todosto is Vi,nr; illi,: y you Coli -L•- it is o iri:r,ko. ::mint ue vd;hin St: 4>''Ulo- l to -1,a: app -,lei un your sr r_mzlit v„�r,,:ll:otRynla`,nyF,:;14-IHIL1.i11, it:r. •r,, 1115 'Al n.,lnotify„e •1-:o:,1,i:',oy.tothyin i,,: -a:1 1:0:1, luillJ I, int. l':goo oily putonto! :ICU, o11 101: troy haw to goy mai on-,unt ill :1'u= li;ln. t4'hil-,,.costg;ts whhlth-1 o not 1'1,1, hits two ,n -loot th'l:lliv,rng n ' W- :011,up u :.illen dhl'an'i191 ill .1111201,, DI mgr[ you 217,Iunprnr ill coil mount 'the bog, in gueiti:m troy Iln'ri11 Al yoll .lolln':-OL Hid r;- li o1':.illtlnul C: ,h,, a you ihr:eloA ill that oat JunL buy itv:-d-c:.rine th,Irixtrod, ',:risco, y:1,: v.i4 nut hose to itiy ire :nr13untillu'r-st11, ur ony int -Host :n o111•1 too n lVtid : th,' o rounl .t1^lila y1,: Ju not hose no poy Me ie 221,11 oust 4: 2,until all 1111:1 yiil , lu[cr `,taut dte iue:ilrl ut ito dgotion, ys1 ,:11-.pun.itly Cr the lrn -i117li :d pa hilum-. • ., -,n 41411 Illy unp,d ,I1-uI:11; ,pin t 1'111:1eik Iilrit Your Rights It You Are Dissatisfied With Your Credit Card Purchases. II you sr iissotisii-d with C11 goof. 121 .11 'but -Too how ::uehso7with tou::lod:told, on/ :psi h,•.- vied in good toilsCo:oiro.t up::d kith the J:, y how th. tight I u g o ' d, on dig pt:h,' ... ' ghM, m1 in.; trim to to .'Io c em .ue i ; -,d n m1 km Puuhuu , II-, slim t,.t1 '_: m. u. out u -'t ' •r 71 odwicos hon. on ATM Ol With. J,e,kh - ..lie --'d do not guolily. Y,01,11,11.:11 yet how hilly Iota '", tho kurboso. 1, ofdl::it i, otow ao pot, ii :limo:Oho:1 tho 1, ho--„,ut,t n,' j1' l,,'I!ti11_ lig , Fu 3 x ::2- Sok ,ob;ity UT eat 3” .. 'Snit 111 i:1,^-sdgtta, the woo linos apply o dto it,p•aod ,r1.7,1111 =:s Ssmssoi otow. Adel , nish .,.. I ,•- tgili i,l, r., ,'.111 [111 yiU iu, d-:1.110. i311,t puil!L it ,': ;hilt 1':`u iw•- an on inlet ,lid you do trot i,1' 11',5 :spit you ; d-d:qu Zoldm! Ito .I:p..ulls "molt,' 0012 pliiroty plotrnun: r-- 2111 !VILA, 1,1 vv:w: g,Fie,Olr.oa tpi:oi Cse i., tad -roll, regi'a11od,-1,::1oak it c,piy,l the Fnaud'oI_u:por,Gol. Art lighe r-.-:r-d Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Dont staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account number on your check. 200936 Important Notification about changes to your account terms Dear MARGARET S LORI, At Capital One'°' we're committed to providing our customers with clear and timely communications. Today we're letting you know that the way we calculate your minimum payment is changing. Please keep reading to find out how this affects your account. Important Changes to Your Account Terms Effective November 20, 2011, your account will have a new Minimum Payment Calculation. It's important for you to read below for more information about how this change will impact your account. Revised Terms, as of November 20, 2011 Minimum If your balance is less than $25... Payment then your minimum payment is the same as your balance. Calculation If your balance is $25 or more... then your minimum payment will be the greater of: • $25 or • The total of 1% of your balance, plus interest, plus any late payment fees, plus an amount equal to a full year of Membership Fees divided by 12. If your account is delinquent, your minimum payment will also include any past due amount. Thank you for your business. We look forward to serving your financial needs for many years to come. This change amends your Customer Agreement. All other account terms and conditions remain the same. Please keep this letter for your records. © 2011 Capital One. Capital One is a federally registered service mark. All rights reserved. MARGARET S LORI 801 GRANTHAM RD MECHANIG58URG, PA 17055-5885 Pay to the order of VOID 200768 Date 12769 68-7270/2560 42885-01 Use by I 1/302011 Dollars Ca Y7C Richmond, VA For inquiries call 1-800-833-6393 Memo Signature 01276911' 1:256072700:75100116247820 Use your account even where credit cards aren't accepted The checks on this page give you easy access to the available credit on your account. However you use them, they come with your purchase rate—and no transaction fees. Any checks you write will show up as a transaction on your statement, just like a purchase with your card. These checks are great for: Purchases Use one if you need to make a purchase where credit cards aren't accepted (like at your wholesale club or a craft show). Cash QLUS. NO TRANSACTION FEES! Transfer balances today! ® Use the attached checks Write a check to yourself and cash it at your bank. You'll get the OR same rate you pay when you swipe your card for a purchase. Pi -Transfers Transfer higher -rate balances to your account. Just write one of these checks and send it to your other creditor like you would a normal payment. 2 Give us a call 1-800-833-6393 OR Go online transferbalances.caoitalone.com/offers Interest and Fee Information APR for Check Transactions and Balance Transfers You will be charged the APR for Purchases, currently 17.15%. This APR will vary with the market based on the Prime Rate, as previously disclosed. Fee None. How to Avoid Paying Interest on Check Transactions Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 Pay to the order of VOID L Date Use by 11/302011 200768 12770 68-7270/2560 42885-01 Dollars Richmond, VA Memo For inquiries call 1-800-833-6393 Signature 0127700 1:25607270i.:75100116247821i' 'FEDERAL RESERVE BOARD OF GOVERNORS REG. CC Questions about these checks? Q: Is there a transaction fee for using the enclosed checks? A: There isn't. You won't pay any kind of transaction fee to use these checks to access your Capital One* account. Q: What APR will apply when I use these checks? A: These checks come with the same APR you pay for purchases you make with your credit card. Q. What is the difference between my "credit line" and my "available credit"? A. Your credit line is the maximum amount Capital One will allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. 0 0 0 mZ M o D <a my •1 ✓ m 0- 37 T z g a 9 Z naO r Z 0 ( Z 1 W co 1 E Z C uJ m r * 31:13H 3SHOGN3 Q: What can I use these checks for? A: You can use them for almost anything—whether you need extra time to pay a bill, want to give a check as a gift, or just want to have cash on hand. Another way to use your checks is to consolidate debt from non -Capital One credit cards and loans. Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. They're a great way to "charge it" at places that don't accept credit cards. Important Information About This Offer • Please make sure the total of your checks, transactions and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if: - Your account is delinquent, overlimit, charged -off, or closed - You have filed for bankruptcy - Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment - A term of your account relevant to the offer (like credit line, APR or your special transfer rate) has changed since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • SO fraud liability claims are subject to verification and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of your Customer Agreement. Please be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital One account. • Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. U 'FEDERAL RESERVE BOARD OF GOVERNORS REG. CC 20'0 Capital One. Capital Oic is a federally reg s:cred service mark. All riob:s reserved. 0 13o m Z w m 0 o 71 ma • 9 O IJ N 3 D MI O OS r 0 Z U) Z 1 n, C m c o 1 z 1 Z c y cn m r * 3H314 3SWOON3 Pay less interest: Transfer your higher -rate balances See your personalized, money -saving balance transfer offers that may include: • No transaction fees • Rates lower than your purchase rate Transfer balances today! 2 Give us a call 1-800-955-7070 OR Go online tranderhalances.capitalone.com/offers 500536 Platinum MasterCard NEW BALANCE 51,761.84 Page 1 of 3 1-800-903-3637 www.capitalone.com MINIMUM PAYMENT $42.00 PLEASE PAY AT LEAST THIS AM1331IT XXXX-XXXX-XXXX-2299 DUE DATE Nov 10, 2011. Credit Limit: 52,000.00 Available Credit: 5238.16 Cash Credit Limit: 51,000.00 Available Credit for Cash: 5238.16 Previous Balance Payments and Credits 51,518.60 1 — i 540.00 Sep. 14 - Oct. 13, 2011 30 Days in Billing Cyde MINIMUM PAYMENT WARNING: If you make only the minimum payment eadt period, you will pay nave in interest and it will lake you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Minimum Payment 17 'fears 6 3 Years Your estimated savings if you pay off this balance in 3 years: 83.944 $2,266 81,678 If you would like information about oedit counseling services, call 1-886-326-8055. LATE PAYMENT WARNING: If we do not receive your ninimum payment by your due date, you may have to pay a late fee of up to $35.01 and your APRs may be increased up to the Penalty APP. of 23.15%. Fees and Interest Charged Transactions New Balance + I 521.98 - l 5261.26 1 = L 51,761.84 Renewal Notice -- Your annual membership fee is 539.00 and will be billed on your 11/2011 billing cycle. See both sides of the first page of this statement. for important information about rates and interest charge calculation. (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MARGARET S LORI #2299 1 26 SEP PAYMENT (540.00) TRANSACTIONS FOR MARGARET S LORI #2299 1 03 OCT TRACTOR SUPPLY #55098RENTWOO `TN 2 11 OCT TARGET 00020990CARLISLEPA i► Total Transactions This Period S106.43 5154.83. $261.26 FEES INTEREST CHARGED Transactions continue on page 2 Total Fees This Period 50,00 Total Fees This 'rear 50.00 Caigte- 300836 Always at your service... Pay your b'I online and take acvantage of these aid other on-tie-gc services: • Capital One text messaging • Card replacement • Travel notification Log into www.capitalone.com to take advantage of these and other on -the -go services. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Pturchase.> Cash 17.15%P I 51,559.50 21.15% P 50.07 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057307922299 13 1761840040000042008 Account Number: 5178-0573-0792-2299 Due Date New Balance Minimum Payment Amount Enclosed i \tNov 10, 2011 i (J $1,761.84 � ( $42.00 % j PLEASE PAY AT LEAS! THIS AMOUNT MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 I'i'I1111'111'Illll"1111111'VIII"'IIIIlll'I'rr1111111111.11 Ii S21.93 S0.00 BE SAFE! Your trash could be an identity thief's gold. Manage your account online and end the paper trail. Sign up at www.capitalone.com 400009 Capital One Bank (USA), N.A P.O. Box 71083 Charlotte, NC 28272-1083 nlllllrl11"11111.11'lI11111"llnI "Il 'lll lr5IIIIIIIIrhII Please make d'teda payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Transfer balances today! gGive us a call 1-800-955-7070 OR 2 Go online transferba lances.capitalone.com/offers Transfer all of your higher -rate balances... ✓ Other Credit Cards ✓ Retail Store Cards ✓ Gas Cards ✓ Personal Loans ✓ Home Equity Loans ✓ Home Loans ✓ Auto Loans ✓ Student Loans ✓ Anything you've borrowed How can I avoid paying Itterest CMmes? Etch troth you psy pot "New 4:1:11 - in lull, ,Ju v,nl µ!Nnr g:,:- (:-1i d ,t 25 toride no ;Fittest :;herg- ,n in! new 1;1 or,b,'-s, 2; nal:r,' r foreign, Sr epe:iol aos p' :m9 E; ilh oo '.hrges. II you low teal fining in lug with no inter et :forge: rdiei gni sou do not r , }uoi r . tilt in lull. porstei intersi5 ;hinges s: II t- .' . -. 'h. e s 1.,, J I .o -h ,d,•,r' - sprviill Pointer Jr on on- oe t ..:1bl!,.119' m-'- _e , 1n'iF,. . ... • . , • till. How is the Interest Chame applied? l: --? ;hinge - hint die 1) do,, %rthe U,'ie,:in), 21 don, ihs to -ld,. Joyol t•I till'. F..ii mere hog.•, .r.-. .s ,.n-ni'rou•t one it is Lei?in lull. this you 11.1y ".' p you pry y thenit-'Net. Pole," world!. tut ;Si tut do s, lin m - ;meters w,n1m,. Uncsii inter ,)) ?.4e -,r -,d7 -i Cr the lace: s' -tort o1 pu1,c;,unr. ...,....:.,s.. r...,r-m-rightb n..-...... ,1 ;:hong-,,. Do you assess a Minimum Interest Charge? Yes. A rn) anw INTEREST CHARoE J! 1s.5.7'r. to ,se -ss -i to,e.,h t;ilh,g F-ri,i put ;::.aim is,Uh, roc x)irl'.el_a:h:rge. How did you Calculate HI. Interest Charge? Title ,r- ser -r;! :A ut,li:,ns [it,t ere usx. c::-tnr5r- y,1)1 n•_•r,..:h, g... '. To get your F',r, Solon,: FJ h eg ... t. lr t:k• lb ..ling Lilo:, sod ,din new Ira, -::le dte pe'oi.;5--C ,rg.J Ire:r-�,,..,: intn,_o edits for den s,gn'el,t ss jot in•. Th- ruin i= the i',il}' !olio,Int ..,: h segiretit. Fl:: F,!d o'n rte :rt, in l'., lor d .o -,it, pro cui those ot sconisl 140. odic' t Ih. .e:,Phu Alto,1t,, mtsre suOvt tog,.e cerind rut' :id -i b m- i:r!ly blows. . T, :hid your Aworge (roily Unto,. 1) old thr - ,limes t:ll lt,1 ,11 2 tone the •r ty m• rocker o! 2, -,in t- tgliry ,.!e. S. Editing pot IOU I Inver=1-t 'h•a_R: Ill!wuRicly -lag- doily h,F.F., tythe 1:iyp, mI d2)-,tipl}•d -sSt tyke: nt:--: of i,} !th= tyF-ri,i NTTE' les to minding ,I rr'illi:r'nl,',-Ino,eet ;hinge. mi- :,I;ut,Y,n run; von; 11,:1' the'IIit'-r-R ehorge ,nanny How can my variable Annual Percentage Rate (APR) change? You+. MP 1! ,i 111:. -tae ., i-:1_ r.9 ,r ort, ,i s,':en sr,i,i,d 11'..ites reported Or The l':ri 5(.•re? Ann '1,1; TO rind v.h!:h Inde is used tor yo. ,..J r• look PJ!,::ie:P.:, E. S. trot htU,l thelnnt,l thi; :he.kmz t'ot!,tebv.: Code next to your Annual Percentage Rate IAPB? Index which your rates are based on When your Annual Percentage Rate will change P I. islx 1,11.,ii b }ou in o,u a1,1t-rig PlicaeI ;',gp Urnur-1!y LIF CR anlnymforck its:.los1t:,t,1 .n,lterl}• :D-vi,uet die:toed b you .,nt.,rd Ri-, rt41c1ee)ouslyi!siLs-7 toy:u The lilnti,yol its tilting Ferias tin end in lonourt, .,grit, July -d :;.,bel. Ii F 5 h1,trhl;Plin!, trisrgin Fled:us!ydis;l,sd t, poo Mot eddy LIPORI rot gill Freviousle ih:ilnei to you hn,s:ry MDR 011gir1 pesi,uslyihJ,sed to pJu the Ern irry,t -,;h n-olldllytilleyFelioa- Ale them Add!rinnal Fun. associated with n1}' account? Yee. Uniel :-Ruin Jl;i:n'sr,rc-, you wry to a,Y„ d : nt- o• c-io a -i r,y •o 'J t; wsessed ovelltrit. ss •n -is i ty i e, We resew de light tot sews tees,: m.O F u• t05.-1,111.rh,urV,WIFIFJ o,Ftghl ,u n l ,._. How can I rime My Argo., You 'toy ;I''1- put 'a Jtilt ty :,II iy , vs!tiry Cep•i' ,, ai3 rt,',-. roc rollprovide ,i..t-.n., -glop- 'I.,..Jing p -.},r.. : rttiotbi.1 }',,uu--3,a ,-,t:Tod OF :ho1g-; Fol e', ul ,::,um ,hi ;;ou a_i: ue b ;los- it. we ;on -F ,:thiol!- n'-sit-ohi1 lees, : ol! to Jose ••.u.:. '..art '1101 r -J d1- -:d. of m'- ^.1- in v.•h'.h F 1s s:.hsial-7 a ll What happens if my A*mlrnl ;c [rrvpoeded? :'r= troy :J -,- ,I =-ui }',u1 ',::.,ullt •!:i p'0, light b ,coin sage _edit st oily lire- , d I,r one, tenon, even it }ou en nut in 2-1:011 on t- ;. it y- . unt is do,,? o1 caper d -d you a int I) 5t,t u,.4 youcredit :,do d e, -.,un[ 2i ;,I1.-1:11 ,}i . ii'TO 1 --vs -t it ,.9 :he id 4; pry y ., . •.-n th-y weie :hinged site the ,;;,nn: cos ;tis -i ,; visced i. How do 1 photo Payments? 1,'.:•1 stir u o y t- WA, ill :-,--:',i v. •....T gni logging into per ,rt .. 1,p hum Voce Fresuting tr d; r d 1 .F.:::::.355.77.7.t. -nil, -it? F 011101 thben you n,K, e:ilon- ppr-1rt through ,U. ,oi:e1 1.01 ts--sy's?'•n'. pu,armoire u- to ;rale, portent thin .all to debited !lar put tont s:; 2111 Pali II y t- vimLn:n Ion' ;out tank Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. 012 ▪ :oilingout tel,:bine inngi bort-11--:::-3,o-7Z7;:od Fl,riirr.}".,ul inl,w,lionl::: !:1:11': -n[ -r r-pe•-lrt,tive. 4 Poyn , t;oed should t-1 timer 'ing encs 1„322th 011e Lam' 1:':11ion,t thie,!,G11 enc Ply11,Itis rill t:- :-jit':It'' V.FUf 11;01)1 113 • Fut r ;to tininess -d- os long' th de t,5110 Er '.Iii R.171.,1112! . I o. rhe tui ,: bag ': ,,. .rim: c.,a n• 511J I Jt dile thewij 21 F r. •t let:tied in o'1^ DI :e cr.ceseing tedere ty 5or loon Piewe sllow -r Isost7, b2111:.- 1,y, } hl- 1 1 I,r,r nil- r elty . •r.7She to...... "IiFI} J::r _:i TV,/ ,1.2 .-11: ,l , . Joys, r Kele, cher. D o you Process Paper Cloths as an Electronic Funds Transfer? S "TI ITS ,:ill t- pu;ess-i in one 0111:0 ,:•:}0: Wood •...,:•r'..ii-,;ha;i,r Mehl no,rbn t,ueke a( -.r orb s, --r - ..-lb : t, tine of- , one A_H". oro... Ori t .�yut i t JUnt We trey ,,.,u-tneinburerbnbF .se T11-1, All'? os o What if 1 file for Bafd:mttm? :1 -•u n- -wooed t, t':nlhu,t:y lot•.;cm. This :,,.. ,i;,t to is to 5,10! I'sdor, only, it is trtner ,11,'YT45'0'. • 'ro -•-:.il'loe•I:•,C'J.-;t yOU LUIIFF:11.1pty utl,Frt,y th, Eloribucty Court ll n n pin oYJ n•, tioloa sr tnikuFt., woke in-:ily, files? -;tet ?: Zscite,i:o:• • i0E,x 3:72'.5 • 9,11 ink, City U•nr•13".C'2E5 RUING 61GH S SUMMARY:11.00 Nut Appy iv5',ttl-B i ,s Ai:t.,v,u• What To Do If You Turk You Rod A Mistake On Your Statement it p1 thiAt. c,r54 ale P.O. Fox 3'2�5 .i,h Wt- City, !1T ^4133.:2; 5 h, put find -r, gigs LIs m- h,li,vin_: inh_nr;•i,n: • ',:You t woke. • (VI.n f n UPI,: The i,ll1 , blunt':Ate so 5.-:ri -nn. ' Cgs -Action ,l Protl,nr: 11 y,1 mull:m:1- i; on ern ,t1 'pin till, Jeeetit's ,:'hot you tell::re is wrung ,Ili sun, IOU tell: -v- itis o lriteke- You Iru';:,nto;[ ns rime: 5: i,}e otter the error ,F'rsmei ,n }:our mlc trent urn nodly m a ony l of till,! anu n! r_IYn'•. '! ;,II us :n u,tl!, as ole:U:nli'.'olly, tut it you do we ore VDU rr o, n ay tut requited to Inwstigste so; paelmal-no1=:n4':Jl: rr',y hsyeto ey 32,11111, 111l:uestio, Abdo,:- Sive tgine 'h- bel , r , - ho: t --n on n,• er • m-! .Ilnan4 e t;::. - W- :,nn,t u y b :.,Il :t one ...It in 0.501), 011,4on yA, ,e d,En:p,-nt ,:I alar :11'O1551t. ' The 'Angie in 4u- t oil m n' r:n'eiu n1 goo 1,1en'mt !Jul: w, IF -r; unUn0- t, :h',y- you !mer. t oo mot ow,unt E•1):,i1s':-d-telrl'inethats':- nods on'isroke, par sail not11,,-- jolt m- or1',U1I:in g'r-goon,)-nly iltelet,l +h-1 F•-' r= . ^i'. ti:' ortcunt z':,n do toot h'„ •e I, Foy the ,rr'UUll! In .^,1-,001) Ulan Y= send yJ , 11,11;- ,l:,m me :,15,00'' it „r ,000tOn, yn, ,; - n:,rnnitk IJ! the re toed?! of pui tslotte. • .... ;on scc!yet; record .rr,wn,g,ir ;relit lin it. Your Rights If You the Dissatisfied With Your Credit Card Purchases. II you ore iisrolisli-i 4.1111 are g•J ol. o1 yI:-smart you hot- p,l:heseI with you: ,edit veli, ,Id you h,:•- tied In good!old, to pig a me polder 40th -•J',2, 7,T n-, h,w lns (oh: rr-t, coy the tett sitting orriona7.: ,n m- ps h,': 'h:right, ell m- J l'1):. t t,..1.You 11,0 to used put cii.dit . .ri IJ the 1.011,--.1'h, ,, nisle 1,115 .st, sdences Itott on ATM Ms 111,:kthc.. " t u lig 2.Y:01 11In tot et trove hilly Fed :, the !.0:t,-.I,'il to 11a ober, et trieti.liF .I err.,,;t-'vat,: m'•!'u•1„ -it,_t II! mititiqott :o Fit+ Solt Lob City, UT Whit, ;,to,,•me.. 'ry:Fiy J d,- dept -7 viol ,- is:.ser Rh, " list! D.. s: o11,rn int 111.1s,u i. not city so, wesilt ell'ou�:ru!J:-...u,t. dt rho: Nin; if s:k m'nK!,c l:o^. ., , ',con '. i .il,4,-nt. C,pc,! ;Are s,rr.nr, Intel:rdia11 prir,;y potelont ,e, Out roets11e'A. rx.w:ori:ohne.;,n o, '10 on m ;1,1eery 1-glt,-i send, rrorc of locust aIle Rn,n:i,l :,1wr,u:n;..11114015 - 1 1 Copitol �.. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at www.capitalone.com Platinum MasterCard NEW BALANCE $1,761.84 Page 2 of 3 1-800-903-3637 www.capitalone.com MINIMUM PAYMENT $42.00 )OIXX-XXXX-XXXX-2299 DUE DATE Nov 10, 2011 Previous Balance 51,518.60 I — Payments and Credits 540.00 ) Sep. 14 - Oct. 13, 2011 30 Days in Billing Cyde Credit Limit: 52,000.00 Available Credit: 5238.16 Cash Credit Limit: S1,000.00 Available Credit tar Cash: 5238.16 Fees and Interest Charged 521.98 + Transactions New Balance 5261.26 r 51,761.84 (TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:PURCHASES Total Interest This Period Total Interest This Year 521.98 521.98 5228.70 MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 Pay to the order of 200768 Date 12759 68-7270/2560 42885-01 Use by 12/31/2011 VOID Dollars caPi ne Richmond, VA For inquiries call 1-800-833-6393 Memo Signature 01 27S41I' 1: 2 5607 2 70 11:7S /00 1 16 2 I,713 21l Use your account even where credit cards aren't accepted The checks on this page give you easy access to the available credit on your account. However you use them, they come with your purchase rate—and no transaction fees. Any checks you write will show up as a transaction on your statement, just like a purchase with your card.. These checks are great for: Purchases Use one if you need to make a purchase where credit cards aren't accepted (like at your wholesale club or a craft show). ▪ Cash Write a check to yourself and cash it at your bank. You'll get the same rate you pay when you swipe your card for a purchase. P' Transfers Transfer higher -rate balances to your account. Just write one of these checks and send it to your other creditor like you would a normal payment. PLUS: ' NO TRANSACTION FEES! Transfer balances today! ® Use the attached checks OR Give us a call 1-800-833-6393 OR 2 Go online transferbalances.capitalone.comfoffers Interest and Fee Information APR for Check Transactions and Balance Transfers You will be charged the APR for Purchases, currently 17.15%. This APR will vary with the market based on the Prime Rate, as previously disclosed. Fee None. - How to Avoid Paying Interest on Check Transactions Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. MARGARET S LORI 801 GRANTHAM RD MECH.ANICSRJRG, PA 17055-5885 Pay to the order of VOID Date Use by 1$31/2011 200768 12760 68-7270/2560 42885-01 Dollars Richmond, VA Memo For inquiries call 1-800-833-6393 Signature 01 27600 1:2E607 27011:75100116 24713 20 'FEDERAL RESERVE 60ARD OF GOVERNORS REG. CC Questions about these checks? Q: Is there a transaction fee for using the enclosed checks? A: There isn't. You won't pay any kind of transaction fee to use these checks to access your Capital One* account. Q: What APR will apply when I use these checks? A: These checks come with the same APR you pay for purchases you make with your credit card. Q. What is the difference between my "credit line" and my "available credit"? A. Your credit line is the maximum amount Capital One will allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. a D O C m O a "r m y O y O fur p Z 3 a c n a r Z L7 N 2 -A EI r C z "r C N cn m r * 3H3H 3$HOON3 Q: What can I use these checks for? A: You can use them for almost anything—whether you need extra time to pay a bill, want to give a check as a gift, or just want to have cash on hand. Another way to use your checks is to consolidate debt from non -Capital One credit cards and loans. Q: Where are these checks accepted? A: These checks are accepted wherever you would use your personal checks. They're a great way to "charge it" at places that don't accept credit cards. Important Information About This Offer • Please make sure the total of your checks, transactions and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if: - Your account is delinquent, overlimit, charged -off, or closed - You have filed for bankruptcy - Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment - A term of your account relevant to the offer (like credit line, APR or your special transfer rate) has changed since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • $0 fraud liability claims are subject to verification and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of your Customer Agreement. Please be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital One account. • Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect 'FEDERAL RESERVE DOARD OF GOVERNORS REG. CC CO 20'0 Capital One. Capital Oie is a federally reg scrod service mark. All righs reserved. 31,13H3SHOON3 A few bright ideas... 500766 Save when you transfer higher -rate balances to your account at your existing purchase rate—plus, pay NO TRANSACTION FEES! Transfer balances from any lender, including: ✓ Credit Cards ✓ Auto Loans ✓ Personal Loans ✓ Gas Cards Call us at 1-800-955-7070 or go to capitalone.com/offers today! ✓ Installment Loans ✓ Retail Store Cards Platinum MasterCard NEW BALANCE 51,977.96 Page 1 of 3 1-800-903-3637 www.capitalone.com MINIMUM PAYMENT $50.00 PLEASE PAY AT LEAST THIS AR401JrIT XXXX-XXXX-XXXX-2299 DUE DATE Dec 10, 2011 Credit Limit: 52,000.00 Available Credit: 522.04 Cash Credit Unlit: 51,000.00 Available Crack for Cash: 522.04 Previous Balance Payments and Credits 51,761.84 542.00 Oct. 14 - Nov. 13, 2011 31 Days in Billing Cyde MINIMUM PAYMENT WARNING: tf you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Minimum Payment $71 18 Years 54,468 3 Years $2,544 Your estimated savings if you pay off this balance in 3 years: 51,924 If you would like information about oedit counseling services, call 1-888-326-8055. LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $ 35.00 and your APRs may be inoeased up to the Penalty APR of 23.15%. Fees and Interest Charged Transactions New Balance + L 566.44 1 -F S191.68 I = L 51,977.96 1 TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MARGARET S LORI #2299 1 07 NOV PAYMENT (542.00) TRANSACTIONS FOR MARGARET S LORI #2299 1 21 OT BEE'S CREATIONSHAGERSTOA NMD 2 (11 NOV PA DRIVER/VEHICLE SERVC8009324600PA 3 04 NOV QVC Rei AIL! 4NC4STERPA ► Total Transactions This Period 5111.66 S36.00 544.02 $191.68 FEES 1 12 NOV CAPITAL ONE MEMBER FEE 539.00 Total Fees This Period 539.00 Total Fees This Year 539.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES Total Interest This Period Total Interest This Year 527.44 527.44 5256,14 Image Card® ... letting YOU show through. fca Image Card i Create your own personal masterpiece. Just visa capitalone.com/imagecard. 300012 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge Purchases 1 17.15% P 51,883.61 527.44 Cash 21.15% P 50.00 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 10 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057307922299 13 1977960042000050001 Account Number: 5178-0573-0792-2299 Due Date New Balance Minimum Payment Amount Enclosed r ) I Dec 10, 2011 (. $1,977.96 \ $50.00 \ PLEASE PAY AT LEAST THIS AMOUNT MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 111111,1,1„ 1,111,11,111,1„111,llliI ll,ll„II'I.I llllr,1l,ll11 Capital One Bank (USA), N.A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111,111„nlll,Irhlllll,rllull„II I III 11„IIIIIIII,hII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Your account is more than just a pretty card. It also gives you two easy ways to transfer higher -rate balances to your Capital One account at your existing purchase rate and pay NO TRANSACTION FEES. Call us at 1-800-955-7070 Go to ca pita lone.com/offers How can I avoid paying Interest Charms? Ev2h 11100i yril Bay yArn 'Dow EA.,- in IA you will havo 0 in. onk g0075, torir1 :A 20040.0 sEith iliC7a,{Sto 0001 110 pthvio5, 7) toliato 111140,0. 3) 00-,ial pi Virtu o'14021011 thsyoi. po havi Donn taserg poi At ount log vdth intotoA therigot *00)014 40 you th, hat py14i00,1 k, it, ,itUgot vidl to vvvvii Delo P givo 'vivid in7vh, athivp.05, traadono. ailr070000CriOr, lbun 141011 thrir Ulle trir11, tour p,1101, How is the !mores( Chants applied) Eget, • hvigo5 atip tho 1) dato A Eno Eviyvtian, 7) dot, On, teintaithan it C1D:rrird Le 3) tind vlond0 day Di 01 tin;o2 plrOrd. 1110001 ,croj unpaid an'on • cjdn,lull 100, wood pu 'r'-"t,71-nipt vats, a TA: pytho one, H.," Dit did nig Ar prvirlIll 0,001 thridrid itarrA l.004:tr ler rlid, tho ptat,0 oogrr ont pia et 7.0111E 10)1,01 0,010.110 00i0 ICAr0rrr iltrir11 Dore, assess a Minimum Intetest Charge? ClA1 trinirt on IN 17 RED' 220e10000A 1.52 tide to atio,F,1 he oath tOirDATA poi 0 ilitird trr itienott ;nu go. How did you Catoriate the interest Chorus? firers0.00t00 0, 05,71t, edition: itentip. g pIA tivieto: fin oith n',','',,i lot to- t l0911114 10d -.Ill i,I'II' tunik,AAnt aid die jr Ii iib''" :hang, DO 01 poe0010 icy'Y 21 500:(1,1 ct rod ponerOrin',to that !,,y1,111 r1 0111 Cry. the the doll '410-00'' 00 'I I) HDCZICN, uP ipe ytvitou niondY5tAtip intik tA t stet, viat 11.1:11i 1r,0201 -40,, 00 t2n),0002)0 hot rstka plIttllit, Cr 000' 071 ler CA Idl/dtr 00 dr Ay t110,,,, rder, 001501111e led 7ao u1001 .11i1401 drJ rtdrJ dally pur 0,00r;Ir Drily ElAnto: 1) add tho :Irk; tdatte5 lagotiot and 7) I'll III 100 ty 01, 00111,1.1140 EP ty,kT 3. 00 to' yaw 701,1 ho veiagir daily t alano Oho do 11112121101 nide ito Tonle 4Th 0 A 'l,-yN tilkng tviod. Niliffi ir ,(114131, 0,07,01 dorO4r. 010 rdOerdr0 orry 00y Or, 00 nC, o that:go vinvey atioved H ow usoy variable Annual Portentouo Pate (APR) change? 11,011 .00140'-, envoi, tiaiod on in A Fee:01510,1A 101,5 wend in The l't,ll Street Ananoi. Tit end ttleiti tido, i5 tivd pun otvanE bat Ian a 'Endo ifE 12.2, I, is Et all flit 71101 eLACIelellthrAlr thr APK:5). (hot Adik thr hide tote, Corte next to your Annual Pertyntage Rate IAMB Index whit!) your rates are based on When your Anratal Percentage Rate nil( change P 1. 2 5 ?rvitotiy Pr-il; 0ele4/01.,Vir1010 1110001 00p' .tiornity LIF)28 lertithIpr0-00ic led:MC ir 70, 255010nly Ui triegin Dv:Dotty 10110000010, you Etinktaid Dion [101 i,1 Fo,laucly dirclord Cr C101 Tho Iiid day at Ito tkiing 00li0.d,r,0 ond k, 7cOrrly, 4701 July and DIAlrl. II O I Monthly Pr htl, flreg111tivitiondlydi5danth to pu MatittityLlitili tividin trivi0511)11Alivid D sior Trove:y(10DR noggin tookaudydisdivol ta Tel iho Iin5) day al ov.h trwitt tilling sottodi Are there ABLIAWInd Foo,o,uooiated with my mount? C10.1.111d0 :0001CA01,. pU 10, to ovovol cuto litotonnol f•apn on Do. Tao tivr Ati to avovod awilinnA Dot F tour It'd byInv too 1110:0, do light to its aitiov to, vattrotit n eufi, ,odwitma 0,4.604 ito ii4h1 100 0010010 111'10 0,4,00 Bow can I time My Arrnmel Lit !Cry your ,A10; ii VeitiO3 20' avivirot ititiottano fetarat pot at Cut tido, vie odIl ktnido addinand dottie inetting payiteiv inlairratiooi. II you ino yips zroll vad ihargoi BoA tia yolk aitiunt oho, Cll. 0101 l0 tinO,.On 00 V, :lel *01: CAP »1,•n. Ti avoid ming only aptiliatlo 1,7011,11414, loon, tot! dlOr 0,D0111 jOIJI l.!0, rod A to, 01.0 01 von 711 a 15 thodulod Cu to tend. What happens if nu Armin, it sinpendvd? Win ery dlu, 0 011Cr111 yrul nd ;2,0 agei ra attain utdit A any Iris and to oily rovan 0000 it pu eta ntd to Neut. :paws 505p051. 1 701 to 0'ni0021IJOiilO totitairly. !I u-.-oinoilh dAlrd no unipidoti 112g. 1) Vat Inky pun vodit ',id and A7ved On 70,1 Al votiviatit teprooP, ditstay siodir 71,7kt, and D py alith00001 rVer :0, 1000 1 007 WO, drlill4rd old, 700 rdrDUIC Vd1r. *001111 nripolod. How do I Make Paynents, Rah nIn day to nolo in ios-voi wept 1. Date. Lly 11>502001 V.00n070Cit11/10,00 041 1041D 0r0100l11 t 1ol041h00 CDC, flrgl001, ry101C CC tiding 1,022,455-72.70 antl lativating tho 1.010000. 1N10,1 your thorn pytiona tonic,', 01.1! llOCArir Cp101., t" Uuoh0000lnrIn000110 an 0.21, us elottivii2 yip: oni thA .111 to dotitoth 0110 1001 Pot vivolt 11011. 1107 to 1001.10011111trle Dioi tont ',aunt 00, 1)7 010 C:rai: y.0.1 P700100 Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. n12 (00 :_i)110 :00 71 hill ,110.1 1100t0 1.1,::-155-7:,:7C and I:tad:lett 10U1 Wan, Ab0O:1 ilO II, O 111lAkce. Paytt onto ty ova 5h0d idiot to thi, tra pr d ontoo Litho, pal.), A III datot, ont (Duro* 0. '1- iiothitod E., 0i0 .1. 01111 .00,0,00,,sir-rl III r jolt r r.Cd/ 100 bl10,10 day vie Tosoiri it A totog v. shops, trado ty5 Itot Et • Fin paytkontit tdo toted-, gay ye 0 nO' 0 as frer4 11 crod 000701C FX00,1 A der RArll Ad !dee dusk in nit 017105AI ioninaise ore -dap, and 2, toyinvid i5 totoisod In ant A and p vioving ty Bpr ivai Novo Air,. A hat, :71irOiltr, dcyli 0,0 n-rio")' 00 HAI 1Sr10,010 r0/ ty in at oh; Ahot Iv.iiion 70 ill wiyAhri Irt1C Wry OA Cr 101,00frd A 00 loy too IKACr10000. Do you Process Paper Meth as an Eleanniiit Fonds Transfer? 1enuv0100 o.t BrA7viod in ono A hivo voratt Vkition "id j ,notit inktur,riAl la o Evynr tint, r3005 111,01, 1111.001011:11 Cr IF ,40.• r10 ACH thIllthaikl ottioi oio,.0 Ant had 11,101,1 tiro you, dotted ottonsth ifiti 1,y 11,on to inlattra Van I i Teti tho tapi 00 V a In llthr11,11,11.or What if I file for Bankruptcy? It ran vv oittiod ttg, 0:0',, it oni710 intuit -ad. 0,01, 00 it hat 0, atiantElr iii I 001,0 frIrtri r01 td Per tvt terid itrivenit saithinti iiktoidng i 101 yvo tanbutt..y attainoy 0, thr Eienknyt y :katIla pUt LartOr ,,i$100,01klU4ty plovo it ink, '-ill',' 2tho • Pik PlK5C2r..,f. • BA tato, 2ity, ()IF:4 17)2,2,2F5 SUING RIGHTS SUMMARY :Dues Not App4. iv 5, naP .4c.,716.; What 10 Do If You Think You Gat A Mistake On Your Statement 0 ykr Mier Tuts 0 10 :Ire, let 7".Rti Ado word vain, to u7 Ili.I.irD'aTe‘2'7, F5 220 1200 by Of :ea 1 itt,22,55 ..e.00 1,100 yilk inkniikisw • A:iTerla nekni 10jil..1100 :10! r l.,010i1111100O, 'iSuIio'7Th-1uIIn 01a0t10 000o .115.00.02 0111 pr,100011 A PIAI,11, VDU think Ifni, ortui 071140111, dr1l.10, veli CA1 Cr lir,. 1.11ricy rod why VJU CDU trod tinthAt ,tithe, dor atioi the 1,0 4100,1 an Tow Fir.7,.11 Y.1 11.111111/11ty 11, A' any atoned 0105k,Ljv 1,k1.; olothionhally, tot it pi, 10100 01.00.4tAiod invoidivito any pnintial Ite r Ild Wry ta 01) 11; airaunt vuodivn. Nhilt innotejno whinte: k Mk, hii vein, ki ntr, tho vobIn 700010 ay Tv :knit I0t 114,100 0141 0:01 r! 11:00 p. O't'I tl'Obi,ib112111111100. 'Th1 l'h.01 lin M 14040074700 Vulvas a try ,10111kir tr on CAI itItAtA DO Or r -MIL IAA if 0,0 doreirrino that v, troth o Aka ca not 64, Tr1 Cry thr Ill ske in quaking] 01.17 nlnl01iI -01,1 01A .1.101111 .C.1101 ler0 d0 or, hate tit Cby Oh. arTD11111 r vuo Dian axil 0 yki s vtkul to ,,latkre A D1.11 yD0 IriCrlIrCir l,o the p1.11 1,1:111, ?To 701 aptiy roc ofiC 1,,lurd again:Spin 71 bt lot Your Rights If You Are Dissatisfied With Your Credit Can/ Purthases. II 710 11 divatitliod with tho goad, le cro her, 10tts/5o d sikh pin aodit odd, and you hue Viol in pal End, ta 77.ii 170 ythtloiti vath It' o eviihaut, po ii•ayhaiv tho tight initz .00 Jur le/ 00 Rothe,. Ta ono 'to fight. oil A Do bilvoing tr the r, II.: wird taw l0011 too ond hp 111 pai.tv5v, fnthop7 II ado vith 'ol,,s It On an ATM ,n sviti , thy Kitint ,7.ktikr 1 ativI'll 1. 1,10 vollay. 7. Tan illnd Mt Tit ten, hilly old tan th• A in atow iv not and Ar 16N littididiAl vath tho Bochaio,70Itatt ot pain, ot Capitat :no P72, ear 1E755 5,11 Lade Dry. 04132727.D5 EsTello too intresolgotin Oh o 55piv Ind55 Ittly CD 00 lioptri anivont Sitinvod004,00 Atea sit Pneh via inveditudgni v.-: di .PPI al Piot taltro think Aid Pit dit Paii ITYY topn you 1-014.1 II. Costot OhIo tuttuak adatitiationt Btisaty pato:tail: too ouo wottito 0. 0.niwoviittitotui2ain Zookal tirio i5 tothit0tyn4A0A1tonato trAk id CatiPti Diu FinatTiA to:pundit, All tigntt to5otied Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account number on your check. MARGARET S LORI 801 GRANTHAM RU MECHANIC58URG, PA 17055-5885 Pay to the order of VOID Date Use by 01/37/2012 200960 12761 68-7270/2560 42885-01 Dollars CaP1ta/ ATE' For inquiries call 1-800-833-6393 Richmond VA Memo Signature 'ayable thrcug- Weis 'zrgc Park 5.5, 0127610 1: 25607 270 1i:75 X00 116 247E12n With these checks, you'll pay... NO TRANSACTION FEES! The checks on this page let you usc the available credit on your account anywhere that doesn't accept credit cards. Any way you usc these checks, they come with your purchase rate—and NO TRANSACTION FEES. I Iere are just a few ideas for how to get the most our of your account with the attached checks: ✓ Balance transfers ✓ Moving expenses / Writing a check to yourself and depositing it where you bank for cash ✓ College tuition and books ✓ Computer equipment / Family vacation ✓ New appliances ✓ Wholesale dubs ✓ Car repairs ✓ New furniture ✓ Medical bills You have until 01/31/2012 to start saving with no transaction fees. Call us at 1-800-833-6393 to transfer higher -rate balances over the phone. Or, log into your account today at capitalone.com/offers to see all your available offers. Interest and Fee Information APR for Check Transactions and Balance Transfers You wit be charged the APR for Purchases, currently 17.15%. This APR will vary with the market based on the Prime Rate, as previously disclosed. Fee None. How to Avoid Paying Interest on Check Transactions Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. MARGARET S LORI 801 GRANTHAM Rn MECHANICSBURG, PA 17055-5385 Pay to the order of VOID Date Use by 01/31%2012 200960 12762 68-7270/2560 42885-01 Dollars For inquiries call 1-800-833-6393 Richmond, VA Memo 'ayable rhrcug- Weis =rqc Rut AA. Signature Ha127620 1: 25607 270 Li: 75100116247E12r1' AL RESERVE BOARD OF GOVERNORS REG. CC Questions about these checks? Q What can I use these checks for? A: You cdu use chert for almost anything whether you need extra rime to pay a bill, want ro give a cheek as a gift. or just want to have cash on hand. Another way to use your checks is to consolidate debt from non -Capital One. credit cards and loans. Q: What APR will apply when I use time checks? A: 'These checks come with the same APR you pay for purchases you make with your credit card. Q: Is there a transaction fee for using the enclosed checks? A: There islet. You wont pay any kind of transaction fern to use. these checks to access your Capital One account. Q: How lung will it take fur one of shoe checks to post to my account? A: Chocks can rake 7-14 business days ro post to your Capital One account. if you're interested in accepting this offer, but are concerned the checks won't post ro your account before the offer expires, give us a call. Q Can I use the enclosed checks to get cash? A: Di count. Simply write a check in yourself and deposit it into your hank account. Please he aware, depending on the check amount. your bank may "hold" your check temporarily to make sure you have enough available credit ro cover the requested amount. Regardless, with this offer, you'll never have ru worry about paying high cash odea nc. fens. Q Ili transfer a balance from another lender, do I still need to continue to pay that lender? A: Yes. lentil your transferred balance Pos° to your tapi,al One. canon: and appears an your ether lenders pilling statement. its important you make at least the minimum payment to your other lender. 'Phis will ensure you avoid paying lair and being penalized with past due fees. Q: What information do I need to transfer a balance online or over the phone? A: You'll need to ler us know the amount you want to transfer and the account number, Caine. and payment address of the lender from whom you're t ransf•.rring your balance. O 7o O mZ m 0 ]7 <f m „ D n O- D HI za T D Z O y r N Z to Z 1 O m co z1 z m m m r * m 3113H 3SHO0N3 Q Can I avoid interest on new purchases after I transfer a balance? A: Once you transfer a balance with this offer, you will pay interest on any new purchases you make with your credit card unless you pay your entire balance (including rmnsf rred balances) in fill each month_ Please see your Customer Agreement for details on Interest Charges. Q What is the difference between my "credit linen and my "available credit"? A: Your credit line is the n,asln,urn amount Capital Our will allow you in borrow nn this sctor m. Your available credit is your credit line mints your balance, if any. Q Where are these checks accepted? A: These checks arc accepted wherever you would use your personal checks. They're a great way ro 'charge it" ar places Char dont accept credit cards. 'FEDERAL RESERVE BOARD OF GOVERNORS REG. CC Important information About This Offer • Please make sure the total of ycur checks, :ranee ions, and fees cogs not exceed your available credit. • We may decline :o process ycur request fe' this offer. If we do, we will notify you. Yoe request may be declined if: -Your account's delinquent, cverlirei:, Charged -off, or closed - Ycu have filed 'or cankruptcy - Your card has been reported lost or stolen, or ow fraud system prevents the offer fu fit merit - A telt of your acmun: releea"t to the offer (like credit line, APR, or your special tra"ser rase) has changec si"ce we mallet the ager • I' yo- have an a.,thodzed use- on your aczo.nt, the authorized .ser cannot req_est a transfer or ,se any checks. • $0 frauc I'ac'I ty claims are suttees no verification and irves:igatien. These Checks: • A'e Pealed as ouzhases and will post In your Purchase seynre91. • AT s.tbjctt to the terms and arae"drents n` your C_.stomer Agrrenert. Please he aware that -he section titled "Ye.a Rights f `'a. Are Dissatisfied With Your Credit Card'urchases" in the Billing Rights Summary or :he back of your periodic statement dces not aptly :o Mese checks. • Do not caro Rewards. • Carrot be usec as a payment on any Capi:el Ore account. • Canrct he casted at a Capital One branch unless you have a deposit account with Cacital One, NA., wrier has suficien: finds to cover the arrcun: of the check(s) in the event :he chec<(s) mare) recurred unpaid. All t•.:her le•rrs art conditions for your acrcuni retrain in full force and effect. r 7011 Capita One. Capital One is a federally rer:istered service mark. All (9.-h -eserved. 0 00 0 m = m O m 0 ur m r m O m T Z 3 Z O � a D N Z O en 1 03 m C r O O z m m r r * m 31:I3H 3S1100N3 • 1 a "ife moves FASTER than your finances Payment Protection helps you keep up. When you enroll in Capital One® Payment Protection, we'll help with your credit card payments when the unexpected happens. With Payment Protection we'll make your minimum payment when you can't. So, should the unexpected occur, your minimum payments are covered—in some cases up to 12 months. Benefits include: 1 payment for any reason you're unable to make your minimum payment, once per calendar year, no questions asked. 3 payments for Life Events: - Marital status change • New child • Change in primary residence • Death of a family member • Natural disaster • Starting or graduating college - Hospitalization • Home or auto repair expense of $1,500 or more - Medical expense of $1,500 or more Up to 12 Payments for Unemployment or Temporary Disability: • If you lose your job • If you become temporarily disabled Plus, Payment Protection helps your family and loved ones if you die or become totally and permanently disabled. We'll pay your balance up to the amount of your total credit limit or $10,000, whichever is less, depending on your circumstances. The cost to you is a monthly fee of S0.99 for every 5100 of your statement balance. If your statement balance is zero, you pay nothing. To enroll call 1-800-345-0238. Our agents are available Monday through Friday, 9 a.m. to 9 p.m. and Saturdays from 9 a.m. to 3 p.m. ET 200930 'W in your wallet? MARGARET S LORI WHOOPS! You're behind by 1 payment. 500008 It could happen to anyone. Make sure you pay the amount due on your statement as soon as possible. Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES BETTER INTEREST RATES (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) C) 2009 Capital One. Capital One is a federally registered terrier mark. All rights reserved. titatf,.u_ Platinum Mastercard NEW BALANCE $2,031.08 Page 1 of 2 Customer Service 1-800-903-3637 www.capitalone.com l;T4f it.;M PAYMUff XXXX-XXXX-XXXX-2299 Credit Limit: 52,000.00 Available Credit: 50.00 Cash Advance Credit limit: S1,000.00 Available Credit for Cash Advances: SO.00 Previous Balance 51,977.96 Nov. 14 - Dec 13, 2611 30 Days in Billing Cycle MINIMUM PAYMENT WARNING: It you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Minimum Payment 12 Years I $4,106 If you would like information about credit counseling services, cat 1-888-326-8055. LATE PAYMENT WARNING: IF we do not receive your minimum payment by your due date, you rmy have to pay a late f nn of up to $35.00 and your APRs may be inaeased up to the Penalty APR of 23.15%. Payments and Credits Fees and Interest Charged 50.00 J + 553.12 i + Transactions New Balance 50.00 52,031.08 '9mprttant Noticee' Your account was past due. Under the terns we previously disclosed to you, it your account is past due again in the next 12 billing cycles, your Annual Percentage Rates (APRs) may increase. (TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR MARGARET S LORI #2299 FEES 1 10 DEC PAST DUE FEE 525.00 Total Fees This Period S25.00 INTEREST CHARGED INTEREST CiARGE:PURCHASES Total Interest This Period Transactions continue on page 2 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. 523.12 Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate 528.12 Purchases 17.15% P I 51,994.83 Cash Advances 21.15% P 50.00 P,L,D,F — Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 10 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Due Date - j Jan 10,2012 it 1 5178057307922299 13 2031080042000126000 Account Number: 5178-0573-0792-2299 New Balance Amount Enclosed $2,031.08 I ......... !` MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 11"lilpnll"111"11E1411111111r"IllnillII+11.1111rrr1111 528.12 50.00 Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments • Review account information • Manage your account in privacy S 400006 Capital One Bank (LISA), N A. P.O. Box 71063 Charlotte, NC 28272-1083 nlllllrlll,rlllllrllrllllpplrrlllllrrllrlrlllrllrrllllllllnlll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How can I Avoid Paying Interest Charues7 Ertl bond! y0u Fay ;our "Neve Falai e" in rut, you sill hate gm, Feriid :,1 25 days vith n imereat :n :harp all Ibis. 11 7ul:hases, 2) hal,',:, n,nslns, 3.1 s! :Rall E 'un phase, and 4) oder halgzs. II I Ii rase trzn paying ;our 1a 00111 in luta With n: rotor'>[:nays: apptedand ;n, do riot Fay- pur nett hill il, tut, F•••va lomm1 Roy:..., t.. eamed M-- rvngrateper d on.- .ah.,if,,' _. )Food,. i':n,1,!+, ar al any I,nl.'•a.tnl when thee a pri uopaii telane Poo, pre,E.a How is the Interest Charge applied? Illtereat :hooe' ?::nae [In:' the 11 dao at the tansa:.din, 2) It dr: Uarls'a..._I-,o----ed0. 3,M at.a.l-n lay p' do Milky period. Int-. -h...- same ori every unload „sol: mail itis paid in lull. Thi: n =ons u pray a,:^• intra:[ :hare= wen f you Fay the entre Mew E• arra: - ane ii ottO tut ud [lit ,0 101 dere r, e,+.,.,a i, ',, tt-Ie.t.hiy. alded U t':- poper asgrs et ,.,,r.._ount. ,,.s......, scot. -.:,e 01'to not asses: al:0rest:hargee at arryiiire. Do you assess a Minimum Interest Charge?t--Ar nr ua INTEREST H17_I it F:;: still he aPP taring Ferody;ul ,. .,a:I. :ut,..t to oYt-rewt.n'.rg- How do you Calculate the Interest Chyme? Il' ;s .1 Iii d prated Ate:age Daily Fa! -nor ;in:.l,,'ig neva -o t an=as:ne! Under to= rr ethe.^.. to Rot :,.u're p0a daily E.I,no; 41 eat sail era 1) ec the to ir:.:y aid add in nava Panna:Gana and dna {;'tadi: t ,h'alge an tine F:',ti's 7 'n tatm e, their 2) sutha:1 any Farr * arra Pied ra 1,1 that aeon rot as a1 slat d '. me ,-;.,hie rhe daily balantetor aa:, regi enc. Hat0,.,, it you pad p:,'''u.I Plait ",also:. in tun',. a aero tan_ 1I.,a :relit ,r ur% new Maim ptiona Oki, Fra to pia Fnrchane or amPal Funtrase tegn eriO. are lntladded ha the dally taI'i, es. aro, cana'rtians that are a alae e: -t n the Platy Lan o:,Nes,Uer,iy n+Average oddlyFilar - ti add the daily ,.,,,caeca_::.,: .,..:neary. band .droit cher ::-,r ty the Iur- tteit dry, in Me :siting ;:I:. At doe end of ea71 tilling :Itis.'- deterwine 7011' Inter ' 'Chargeas L41 u's: I) n'ul1Fly your Meng, y7,nayFeriad rate :AN hy - 55/ I', ama avginera. 71 ul)'ly Mere apt by the nunher A day,1, the .;F•.a Fuad. Noll tut t. tai "yn' J" ,dl-,ol: , yPow d' .ed,Inas actually -id :a. - How can my Variable Arial Percentage Rate (APR) change? `on Alit nay doable we nr dear zas'• tas-a on one of the laliov.(ny "poled drubs) 9-pned "011 The t'3rr S !r'41 Muton). T1 rod stli:h index i) roar Ian your ,,,011110 look lop a Iron to1a on C,a tr,l:t 1l phis eHma'ent ueu to your APR;9. then :h'•:k7e taste below Code next to your APRs) How Howe eladate your APR(s)? Index a- margin (previously disclosed to you) When your APR()). will dsange P L Rhos Rata aayl. 3inth UUFCR I: anirir 111tint day of the tilt.0 Fel iodr. that :-:d i,, lu., ,41il. July, and 71.L 1' F nintR,E, n11g10 : !rarer LlLC! Irani!, The aria day llTllh 11-011thly tilling 1,11b7. Are there Additional Fes assodated with my account? Yea. under :%r[ain air:1.1,i,,,'a, y ay to ,-toed tat' or Returned I'rtray Hit Jae. You ray ale rows., toOyertwit Mee4 j.,111 Med ty lav:. We reser, II a: the right to not • without y:lb. native and vide 4t 1, 11194 it. li4t1t:0 ;..,n:, sirrii, r He later. How an I Avoid Memhersliv Fees? a t Hot y'ted 1P C1%4• r[1'ti, T,e!r -r Y,. ;-;,r ay,.s-ad paying an annual weril:e:; iF I'r ty-,rlta :pity 01111'': i. , •e this a;1r,t alter Me l"1 day h, the tiny ': ; : : . • _ : ataed ty mi) atatertera o seaae)1 that e, eros' y ,' : � , . , er hip I- oro r'ar,^ `a ,- :lnt'a;t .,, i, e::.Ian., •Irian, t. st that a:- I. , I ..-.0nt i, v_. ,.11`Frx :.---_oily y r wrongly .. ...: ., rc0ue �- vo:; boot.. -- .:, -... :M0 , wentership lee. - - How an I rinse My Aurora? Yon,' an' 0111,1;oft noel 3ersio an, jar e to I 411''I Clar vas dose 'p a ,:baro, it 4t 7.d ti-,,'oll exla.•I- -I_?-F -:t t'i 7.y LAW-, pip.m i :'a!d 1,-Ine: near- note that ily,u we pa :olit pp ooh -h', .7a ,._:nytU, a..01a.rt all 77,1 a'0" 1n1J- it, 4,.,r' keep What happens a my pm.rrlt is Suspended, We Ira„ loos -: su=,era yo • "' of.rt :aria yen: Ii,ht to attain aedlt at any dare a d la! any -_ -11 I your default A .. oro sunFe.;':o. Le Fe0!'a ., _ : Fara- y. It Iota a::am:t is :awed n aupada' 1.11 oust not stab: wing yn,: a edit tii', and�a:oullt 2) :'.noel all a11,.ar-nib lam enc', 3l Mat4 all Pwdlt:olda and mow thee', and 4) Fay all ,noun•- you awe uu, nen t they tore :,aged ?tor the a:oula w•,- :na-d ,I sae1a:ded. How do I Make Payments? At ;ny Gere, pro way Fay do :rironvn Fayirent the total unpaid Marano, n ally a:r,l:na Lrety-bean. Pip mita r'a y t, 'fade in >evrril tan- t):uJh:e ty going U' rv:::.:,1inul: ne.'.0.1 all i „m:, into 7110 a::0,0:" 2:•11 tt'orr. 'I' ..:-1, .'r.sa iyet-n'ty Smarm '1-3:22-055.2:17.2 and lillavir,-_. the ' 0i:e F:,n'Ft).a'u ii you Irat, a Fh:O,e';::I7t'lIt thr arch our y: io response «4ert', you autharie us n inira[> -:n ACH s el';t i!li: pa;t:'-nt that till cede-.o,1_1l,i11tat. Fund, wait, ):.:Haul -I- IamrIll, ,.1, rn,the .a1 - day we pooaa in :ailing ow tel=y-hale matter l a;CC-?„-T_7;: and Fr:silny your ,"t "l:'ad'ni U 1.01 :rl;rrsertta:iw: A)R,ynnfi ty a"xl Mould tiewrit to the waking adores,F:sided an fit tam. pada al this seen' t Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. 00) 13 When will you Credit My Payment? -FII lours or ow, the Fhi,v. pith, twines, Jayvee moist, it as long vn thiy',Ie n,::: tyS Fir. ET. •For ulnad popper rte. as of the l,sul%s dry vie ro it, it. as long aa: tt pro and the totter Freon of this 1171111111: a rJ111.1 cill the i rerrinarpe eworope,if your F t ....r t,, Far. u.,lt.n.. PITT, lhoinew lays I, wail delivery.fi':ki 0'171 mE : std by. •a any: T-Il:.ae110' ill n, other him way 1,011, oedited rie DI theda. we moiye Mem Do you Process Paper Checks as en Electronic Funds Transfer? . '_.11. , I Le Fra..". d . - , . t n•it M'a ••1T-ny0u pwide ,.h -.k), Mak ,Y,I'nea•It -'c In. you 4i114010, 001 11),111510,.-t0- 0ltorak* tl 0110 co It A;H I,IP.itfMuraler Iran yam d.F.:,...ort t1• rag alY0 111 71, Horned.. to lbe,= the Fayrieut aa Ma.ktrawation. What if t file fore lou t fit t t I La,,: , Fin -.en!,. dl t on n u - 101 401 , -•earl _ly.t: not n' 1tersid ParlePt, 1,110.11 1 diol a: :an r;lb.11nd„71)11. .: s.:.CM1..akiri with Mur tallk:a7t:y attorney or the Ear,kauply ;au:t II you a: Pur Mooney would like to l,I,l'a:.t Jur tanbupt:y :b'ia's en 1...11111. el,-... 7ha.711e • .-r.,-x3711., t Lake ty. 17134,3:.,:' BILLING RIGHTS SUMMARY :Coe, ?:oi A pi, to Sr:iii Steri ,sus A.r,Parma,; What to Do If You 1 fink You Find A Mistake On Your Statement: It !pi think [Italy I, 1r: el:el an your 5tat,11,1,,Wlit, to tri 7,711,1 P.J. Eon 77275 Solt take [icy, UT 34132C2 5 Ir. par leder, give 01 the Ullnilc; kap::-Wow 4': Punt nulla arld s::aunt nut. tel. • •tarn -...toot Ehe i.11rn 0.110•7.11 1071mapraod>r:0' • )Iea:ril:rion al Prod,-- r ,oro Mint Mel, is an err:l;In soul till, 7 :+:.liter Yilva a;1u Label-- in ea:ng and why 7011 talion it nilLk':. 1'01::'119:or It [u± vi:ihin .t' day. Ater the e11i1117'grad on l Dur etiterr rot i 1U rl'Ua[ 11A:71H at any 7uitiitinI %1111:=III V.11111Gy Yn, InJy, all 111 or Pork :Il'itntora: ally, hut it you its toe are not Ie1ared to im-estiaate curly potential 11ots and you n ay ha, U Fry the aroma in aua ti0n. 17- tall Polity yiu in maim( vshiu 3_,our ..-.tipo!)I0l11tt1t- 'llilr, r:c inx-stiaats:or-ter of rat there has hem an en., the t!Ii000:4 vee El%: WI-:111:oay tr.1liat the nr-:unt io qu•sinl, 0147011yon: as 3,tin'{vent on tiltvu'ouur - m -hag- ii, luasl:nl Ira: Ixn-nn or. pm st',tan err and vs way :.Prunus U :Forge you irate:esnn that anlunt Fut) vie detewine Matto na1, a n iaake. you will not hate t: pry Vie rraunt in gu-?tion or any interest 01 other . While pu do not hat: U Fay the an',Iant in 11:vidian :nidi s., end y:,P ,nolo-; ,...tut d,- aur::lar'= 01 iul nrcastigadnl, 70') ora esyollotla In the rein -Wider of yowl Milano. • We on slly any dwaid .:r punt ,phIA ii1J1 'edhlinf nth:, day, _l:0pin Ln', cal.:dyva nr r.-, L-ofl-. 'sg,n:rthatwe-or-.t-d the error :hi 471. a: ill 51111: neat 71)111111571,1711 real, ve telinae the tit is :.ane :l Your Rights If You Are Dissatisfied 450th Your Credit God Purchases. It you're dissatisfied with the 0111) 1I nelsi:rs that you hats' our:hayed villi ;,,a::r'-1i; :.curd. and you h:, Pied in good lath to :mod Me produr with blas ,r ewhar4 ;011 nay have the right not t1 Foy the r,lr 9rrna arrs:nt due or. Mr Fu':harm. To user thl, light the ;aliasing trust to true: toy u:t h' -:,wed r: fn the I.u•-h—o : Pt'i,es ad: with 1;1 tiro :n flnl al ATM arWilt 11 914t sad'r.:ad amount d-orp,1ty,erd Mu tram t not yet hate lolly paid ton the Fuchoe. Ra ot pritpria ato, me wet ad, : Il' diaaatialred with the padmae.I ' Capital Ole Pox Sat Lae idly LIT 34170-7235 ,•.ant% viz in.esigate, the son'1 1,1110 HIFly to to dispited aroma as Melt.• `.. 1 It;ve. Atter 11-eIhlish 1rn r dgaton.torail'e?T..00n,data's., At MX01 pill), it to Minh you'010 curl art aura and ,you doll,: Fay s, nay report you pe deiin:{uent. :a4ile! age support, 1111411 poted.orl: r" 1UI ,',tole at uY:•1a'.: at,-Il:,rl-..111' 42, 2:11 1 Capital Ore:APIA Oro is a led adv regiateed'.It+e walk All right, 'nerved. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 1 6 -digit account number on your check. (2 Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Page 2 of 2 Customer Service 1-800-903-3637 www.capitalone.com Platinum MasterCard )000X-XXXX-7000[-2299 NEW BALANCE . IN k1 5 ;;y C:• tT D§.:n .. $2,031.08 $1 Nov.14 - Dec 13, 2011 30 Days in Billing Cyde • Credit Limit: 52,000.00 Available Credit: 50.00 Cash Advance Credit Limit: 51,000.00 Available Credit For Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance l• S1,977.96 J — 50.00 + ( 553.12 + I 50.00 = 52,031.08 L RANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year 564.00 Total interest This Year 528426 fou were assessed a past due tee because your minimum payment was not received by the due date. To avoid this tee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Capita what's in your wallet? MARGARET 5 LORI YOU'RE BEHIND BY 2 PAYMENTS 500009 LET'S TALK — WE'RE HERE TO HELP. Sometimes unexpected expenses keep you from making your credit card payments. We understand. At Capital One we're here to help you keep your credit on track. Give us a call. Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.6600. • Mail us the amount due on your statement. • if you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. 42 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. Page 1 of 2 Customer Service 1-500-903-3637 www.capitalone.com P€atinum Mastercard NEW BALANCE 52,095.94 XXXK-XXXX-XXXX-2299 Dun DAIn Rib 1 0, 2D1 Credit Unlit: 52,000.00 Available Credit: 50.00 Cash Advance Credit limit: 51,000.00 Available Credit for Cash Advances: 50.00 Previous Balance 52,031.08 Dec.14 - Jan. 13, 2012 31 Days in Billing Cyde MINIMUM PAYMENT WARNING: If you make only the minimum payment eadt period, you will pay more in interest and it will take you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Minimum Payrrent 12 'fears I $4.150 If you would like information about unlit counseling services, call 14188-326-8055. LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to 535.00 and your APRs may he increased up to the Penalty APR at 23.15%. Payments and Credits Fees and Interest Charged Transactions New Balance 50.00 + 564.66 + 50.00 = 52,095.94 (TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR MARGARET S LORI #2299 FEES 1 10JAN PAST DUE FEE Total Fees This Period INTEREST CHARGED INTEREST CRARGEPURCIIASS Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total interest This Year Transactions continue on page 2 535.00 535.00 529.86 529.36 535.00 529.36 Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.15% P I 52,049.97 Cash Advances 21.15% P 50.00 P,I,D,F - Variable Pate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057307922299 13 2095940042000215000 Account Number: 5178-0573-0792-2299 Due Date Nein Balance ns �.... Amount Enclosed Feb 10, 2012 I ( $2,095.94 ) J MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 .1111111r11.19111lrrl11111111111111.11111-111.11.19191111.111 529.86 50.00 Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments • Review account information • Manage your account in privacy 400006 Capital One Bank (USA), N•A. P.O. Box 71083 Charlotte, NC 28272-1083 n11111911"111d IVIII1111"11n4rrllrlrlllrlirrl h111lr1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How can I Avoid Paying Interest Charges? Ea It ,151 You p'3 ti iu1 94-v; F',i,n:-" in full. lou s'.ili him: 1,-rio7 of 75 7,y: :tiro n i3I,1 t ,h,rg- un,7 r1 w 1) Fut Its,. 7) ,,lett:- n',111-1,, 3'. s1:9:i':tt Ful �h'it t ;1,i 4) idol ,hag:::s. II you iter: teen gran; put i::ount in full with no int -t-,[ : t•,rg-s uppfi-] itOi ti_u 7o not l r put r• -II t 1I r. u., p•,•ie2 :Frog: -k' 1 t.. 7. Pt' no On : tsh I. odnin9s. n:ttot4-1t, ns wt.r o, twit ttt•eev on umF ,.:t . ,. ,.r, v-i_t,. How is the Interest Chortle applied! I: ? :h-tgrs •,, u- how [It It Set . of mo 1.ons•,:[ tn, 21 :I';1- m- o,p ty 3:1 t...] -r ]-. m� .. t] Itt1.tl a: -,_:- �,r'y ur;.,]',rO...g' out! it ir i 7' lull. yid- .[ •-'h. 4you bun t1 -ii - o•ttt, but ]i] ot,..:otot m. _tenriot R hey.' ,i7 -i to propt e -,trot ;+ Vet A:utd ..,a. r -m -ht to mot.._ h:ge„t',nyt'•. Do you assess a Minimum Interest Charge? Y.,. A n innrtot INTEREST ZHARSE u1 3,2.5C 5:1111, t.:rrt, .-tioi put ,::.outA IS ur.;-a n in in; hag-. How do you Calculate the Interest Charge? 11•- us- , 1,2thD3 _.II it Aptogo L.', tit,luditrd •tn: r -ll•:, > 9 put 35!,el .,t , I)lC d.. ;b- ind old ill 1Eutnr.•,lo-i, a1r, e I:-d„t �-.:n,y- on rhe til -'do :Joys tulot,,, Utit su-e .to,c1 .1.; t:uyn'enr. uni :t -]it- lot th:•t- 't -tit vs of mit day. res 'esuh is the 7,By bul,n„ tr -,;h tegreerit. Ho,': -ver, , 1,1i75r.0 .t ''r month's t9lut,9 tut .1 pot toIumt., ,--cut..;-'rt ,n :it," :- i,, i0.: I.' hpd+t t put pueh,s::of5 ttlput,has sr;trantsar, tofa°i-3 ten- Idly td-m.-,.Al,,e,n,ti ns Thut a:.:utj•ao gra;- period ot5 t tt;7ded tithe 7nly,,true. Next, blind pit A,- _ ail; F,l,t -: 1. ,7i the erode tet-. to;emt, tot -a ;n'.r.old Z;• ]h;7-rh- su.r ty th-null.: ],s: inm-:liittg 1 Al eta it -i:11 C!Iling „!z, sax 3-Intr:'he, ,'u: Ir ta-lC"ho;a;, 1-311,n;,: 'p lt'1nttls' yeu14tereg- I :F1'r,l,n:- .yt,' daily priedi, tete ;APR Jiside3 ty 355) 1.t m,* r-ctIyth_t tit tyro, matte//1/3 nthy w tiisd. h:TE[ue t.t0o••;r. t.•t,.t .110;-d- .11:.,1lO. , •ytr.. the t..-,•:lt,r::, o vt,,iy'i - --:3. How an my Variable Annual Percentaun Rate (APR)change? bout Alta trey in:r:•is- 'n 7:- ueese t, s-7: n o1.- :,1 Ih- 1DIthv.rti' t-pn-] inti;_s .iel::xt-d in The Wire SI•eei io:.srxrut. To find t.fd:t't Ino -x it ns:71:,, pill ;::.Dunt (:tot f an 1tInn-r :o]a :m titre h uta s troy stn -trent tl ,t 10 [ tut APR;=,. [ll:at Code next to your APRs) How down alwlate your APR(s)? Index + margin (previously disclosed to you) When your APRs) will change P L Primr-Rotrr 3 ,:remit LIES, r Ti...in thetiigI,yitm- tillityl:rr d,[ het itl Jun.,Abii. July, ,tri al I' F RinoliOtr, torten 1!t'n7hL'FSI n',rgin The lirsr]iy DI troth trot ithlytillingp tiu7. Are there Additional r as associated with my erznu,t? Y -s, un] -t ::,(rift :i - ,•; L' - - Lxteor:mutt-i P,;•,t vesttr:e. Youtrey else I -is -^,litltt:ri[Iezt@Even htI ty low. We les -w: the righto not without plot uti„ ties] rithout It,iit 3''ut right ora , -.n tl.t lie !err. How an I Avoid Membership Fees? 11 , A-tvi. ,I s 41 :- i, :tile] Dt! Ct-!r' ,tt n' this etttr:n, you n,; -:rill p_;.i,_ ,- 1,r1t•4rir' I-- ty ,tang: rr, -t:.. Dr, then ],s ell-,Ct-lest:,yin th-Cilli:,g ,:: rot ,cru :: .: :anti•'. :o �',-'-non'. - I, :termed t1 Orly etit-nant ,-e"-s1 fie: Ito L10,7, pry a. tint T ^,i7 o,!IU' neuter/bit lee ,.- 0 : nGs ;u,Gu -1 3.n,.. uyti!r- u ; m,:::, :10s- pu..._OunC •��a ,'... ,,., ythp nsce,,Ing +r , n 'Addy How onlPoo Mg Amount? Noycon :.J.tts:t:utitrpantrot, on;'➢t-L,:aceAdiet w, /IDY, pur u,surt. At dot tint. II- pion: toy ,I]i:ootidtps ti ,::runt iiwle,itr:uIurgt,ln.,ptyiopt ridar.,IiD1: rinio,-lines. 14-r'-rOt, Alit I 7,1 LE, put .::dd_.]0.%:x;- '010):a.• 1103!11:±t-,yes,sk u>ti. opo,:. - What happens it my Arras int is St,nended, 1`- n - • S0 'r7 •:•u ',ht or :Sly fir, .rht! J,, eve,,1 y.1, nr ',Y :, h:Ili-A:_:,,..,.,.r It cc purer/ -.est 0' /err:Drury. 11 mit it ,Ise] :n swpel]-i towl rusl U ,t), ug you sin, ;1 -lit o td end 9 out., 7) :: r-1 ill inn in: pegsrNay. 3/leittyiii :l edit :Tit :Ad •ess'. tt,,n74itoy ill,Ilutti' youn-us,- ern) tit-y,::,-iirg-] At:11me,::0u1rtw•r.•clu 0r,aspeni-i. How do I Mate Payments? At any civ-. •i-urrey bey di, Morrow p,y2r-est the ,tel torpid toles:'.:,: a,y orerrt t,twee1t. Piy,-nrtsx'ey t: It ti -est,-: tido 11 tali: :,•} go0.' if: ng t 0.iril:n nneto,n7!„;ring int pan Dtte•n:t Felet etiw Petperry,iyatie .... yio;n;.-3,571: end allot. ole .urn -n y.'u /coke NROlred th,nr_:h out tot n r spn - „uthii o• u, tr ntitut—' 1/u-telerV.:!,i: hint it mit.,: t - ice ,tt yr yDur tent ,._„d. funds trey t. ,..ththomr bur you• tont i..0..,t,'-0n..m ,, y [Kr it `i'Ittout l2 lelthm, nun't-r I - -355-7:7. i,r /moiling you: ir+. rr ilio,: to out:111-'--nl,drw: 4) P,3t, -Its bytt til eh'.lul] t- vert t m- rl',!iing i7lreee pl Intl -I 'let Ih- t:tfi 11' t:onl01 u1 the: 2,C•.:,'eIF_ Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. DDI 13 When will you Credit My Payment? 'For ',nlin-010„1th-ph_n-,,sane1:u,t1ess7,ys:-1-:eiv: it. ee bog OF m;; •s r 11,7, ty i pr. ET.. ' Fn u'iil-3 piy11'-ttl is of th Lu in di', t. I n IL is bug e, 11 you tend the tatter prd:nr 01 t•'ri air,. -t; 5nd pot .h-etit ths F,Frirt41.7., 5nd Jr put pyrr9rd is 19.9,•:: rr',r_., .!:r c:0.'-;.51)t:,t, ,Fr'. !Deer tin: Neete',l0.,.1- ,}. I.rr r-:-it-7 tyros ;tt any urh•, 1, ADI1 u! in ,ay 0th -r inti' !ren: ¢a b- ;re7ie9'o- of the ley we ree-i,x mere Do you Process Paper Checks as an Electronic Funds transfer.-, t 5,1; r:.: -- _ ., of n'.a wiy til- •y_•3pof it, .h- k.n _haltnil_it t lot r: n,k-' Fu, : . �:fh0•:c to 0r 13• .g 111 10 uF, m- !n+; r',.i.• to woks otus r- A:Hg,•,t:•t _r Dth-1r-.c0 lure torryler •r0n' 1:•.7 ttt tit/tmtt We trey el r.. th.'d01r,t0•tl0,,,51 pepreat::i /11,1rtrtillyearDir. What it l file fur Ik,rdtmdw? II •tet. en, -:rtitlei / r tet F1oe:[0n, mi::.,..: i:,dxt is l tt 440lxali.n •.itis rot , ,:t:. -:La r:- o7-'Ir_it`iDO „ usbto tt: t:tlr, speekittgsith , t k1.pt,'? It, F, yr C, dpt. 't i_) 1[t - '.1-.l rtupt.y.l•nt• ,.,i r.• :fly CoFP,IO , ,•x 3: :',k-'13 .4 3'::...0 MUM RIGHTS SUMMARY;Dtws Nati Aupi!• to S,::ulr ffuRneii A;.wunu; What To Du If You 'think You Find A Unlike On Yuur Statement II y,u mink then P.J. Pox 3.02F5 5_:P ,t-,'. LIT54:30-:,_55 ht put hese,, ;i,- us m- tolbwirtg ntbnrsooh: -4'.o 1t: _L lul,tit'.il,,... : nF t.r. • In time./ The i:ltr tii motIt Ot r .:.Jar..'_....... [I loom_ tt til P10119rr: II pu minKS-re i- in er10, on put till ]-s:.rt - v,•hif y:111 Cult -s- re w1:ing in] Ally pu t:elrwe itis ,11 i.teke. . - u 1r u.t our.:, us ,'.;thh15:; ter: eft-: the emir',(:r-:Jt-] Do ;out tt,r-n -est You turf rnmytn' of on; (:ot-nti,I-ngc'D1 itt11ith lop Frey ill us m nattily us el-:totti: ally, tut II polo nit Ir:{ui!r7 U 111,-.,19,:- my pte11b1 -1101: ill y •u r1 try has, to pr; the at Ault[ in gu- iu!t. I'S will 11o1i1y you V.Iitiliq,ithin 30 7iy, :duly re:-int:,t y.Jm line!. t',"rile r- inx-rtigete whether or rvA there hs tern in tiro. the taioniug,1- true. • We :raft, d tyre -.Illi:t m -,n -,un[ in ;;navi.nl. 01 eptt yr: _t irlingurnt on m,t',t'ounr_ ' [h- chtige in guastion Fra; refrain ,o put term eft tad w, It y:.::ndnu- to the ye you entireet on [het,u'ouut Out (Ire 7 -t -trite mihr: nuth on istike you will rot hew ilk Rig U1- ereouut in'Auither 'ol:int-ryttot,m-1 lee, 1=,='[o thitin'innt - While yr: 7:3 :hart hi,'- o pay the ,taunt nI 0t -stun urdl v,, sed you 'or - ,Petit die :,tn.:ere til Out nn a„Dame yuu ire lespusiCI- IA the wit -Rothe .4 your toren:,. ' We tieep,ymlyunned-,1'ount igiiux put :rei3 lir E_ !i`; hint ” t _ ' -iF0 o w lone, 5.;11 wild Pales .^itmn !od:e cq:l:.cr ting either [hot w- .on -_t-9 Ill tint J i' I =�'et on }Dor n -,t i1,I`-r'-rtc _: me nj-_it t Your Rights 11100 Are Dissatisfied With Your Credit Card Purchases. 11 yeti ere I' utistie7 vhth the a'„t -n 'lilth- ]with [o to .n , h 'Red irt geid.' Jsth cirrett the poterr with r hunt guy hew the rightutt p,yt•t -.,1 nemotdoe nthe tithe till, tight the i.lbwin, lr'Litt to Jy •i-' h... • put :old 1st .'Ii_it, I'u,:1i- - ri ]- with ctiPsrJes herr ,t ATI it vach thtikthet thIetteeill II a , tot:{tilily ,ni ., t. !u:ttt:lt.'lhrvtluny poi: tt`m-Fw,hr-. -I .I et the creeliota 11, l -:tinct s..ere t ' _ ,n l Swim ti.µ•_ . _ tv.t ort,, tor, x ::pity! Jnr r:J Pet Set Lyn jilt St'4t3__..=, ,}note r.^r ir: •es7,,C. the :erre 1 yrs 41:1y t the 7i,p/i 'mount is ditrowd ottme. Aber we :finish ,u1 =t e/a:'t, we 51! till 70't :fur i':isiun. At the: paint it w, think pi; ovi: rt ire Duni you Jo not pi y ,:i Irty 1ary . ].rirgu-nt. :erill uF. t '1 1rr !:ru-,t 0n t'•:u t''. , 1_i,il,tt. r:l.,.t...---d-,I(.;ltt-r.... 1,wort__ ,rk h. w ,ht, t.s-i. r ETI -in Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account number on your check. (t., Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at www.capitalone.com Capitr- Catpita!fale,- Platinum MasterCard NEW BALANCE $2,095.94 Page 2 of 2 Customer Service 1-800-903-3637 www.capitalone.com .?tial ; A : ;. 21 0.0 XXXX-XXXX-XXXX-2299 Dec 14 - Jan. 13, 2012 31 Days in Billing Cyde Credit limit: 52,000.00 Available Credit: 50.00 Cash Advance Credit Limit: 51,000.00 Available Credit for Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S2,031.03 j — 50.00 + ( 564.86 l + I 50.00 = 52,095.94 TRANSACTIONS CONTINUED You were assessed a past due tee because your minimum payment was riot received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Capital what's in your wallet? MARGARET S LORI YOU'RE BEHIND BY 3 PAYMENTS MAKE A PAYMENT. AND TAKE CONTROL OF YOUR CREDIT WITH CAPITAL ONE® Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into good standing. 500010 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. Cv' 2009 Capital Ont. G'apital One is a frderally registered service mark. All rights reserved capitafaie Page 1 of 1 Customer Service 1-800-903-3637 www.capitalone.com Platinum MasterCard XXXX-XXXX-XXXX-2299 Payment Amount Each Period If No Appro>omate Time to Pay Off Estimated Additional Charges Aro Made Statement Balance Total Cost Jan.14 -Feb. 13, 2012 31 Days in Billing Cyde MINIMUM PAYMENT WARNING: It you make only the minimum payment each period, you will pay me in interest and it will lake you longer to pay oft your balance. For example NEW BALANCE S2,126.69 t:._i U 5t• . rt:YMC.iii OUT DATE Mit• :tt. ^' Credit Limit: 52,000.00 Available Credit: 50.00 Previous Balance Cash Advance Credit limit: 51,000.00 Available Credit for Cash Advances: 50.00 S2,095.94 Payments and Credits 50.00 Minimum Payrreet 12 Years I 35,052 If you would like intamation about credit counseling services, can 1-B8S-326-6055. LATE PAYMENT WARNING: If we do not receive your rrinimum payment by your due dace, you may have to pay a late fee of up to $35.00 and your APRs may be increased opts the Penalty APR of 23.15%. Fees and Interest Charged + S30.75 , + Transactions SOAD New Balance S2,126.69 Arrf .......,. t:x: .. l.cinJ (TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MARGARET SLOB! #2299 FEES Total Fees this Period 50.00 INTEREST CHARGED INTEREST atARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total Irderest This Year 530.75 S30.75 535.00 560.61 Help is Available. Just pick up the phone. NM Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.15% P I 52,110.77 Cash Advances 21.15% P 50.00 P,LD,F - Variable Rate. See reverse of paga 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057307922299 13 2126690042000270006 Account Number: 5178-0573-0792-2299 Due Date New Balance , +yrrrerrt Amount Endosed rf- Mar 10, 2012 $2,126.69 ...2701j4 MARGARET S LORI 601 GRANTHAM RD MECHANICSBURG, PA 17055-5885 I,IIIIIIIIIIIIIIIII"rI•IrrIIIIIIIll. Inr"Illyl,I„II,IIIIIII S30.75 50.00 Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments • Review account information Manage your account in privacy 400006 Capital One Bank (USA), N• A. P.�. Box 71083 Charlotte, NC 28272-1083 IlIIIII,III„nIII'IInIIIIIIIrrIIII 11Irlrlllrll"IIIIIIII1III Please make checks payable to Capital One Bank (USA), N.A. and mail with this ooupon in the enclosed envelope. Capital what's in your wallet? MARGARET S LORI YOU'RE BEHIND BY 4 PAYMENTS TAKE CONTROL OF YOUR CAPITAL ONE® 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. 500011 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. © 2009 Capital One. Capital One Cr a fiderally registered yruire mark. All rights reserved. CaO Platinum MasterCard NEW BALANCE S2,190.89 Credit Limit: S2,000.00 Available Credit: 50.00 Page 1 of 2 Customer Service 1-800-903-3637 www.capitalone.com MikiMUM PMMENT S3S.09 Cash Advance Credit Limit: 51,000.00 Available Credit for Cash Advances: 50.00 XXXX-XXXX-XXXX-2299 oun D'AT Apr It), 201 11. Previous Balance Feb.14 - Mar. 13, 2012 29 Days in Billing Cycle MINIMUM PAYMENT WARNING: It you make only the minimum payment each period, you Mil pay rote in interest and it will take you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cost Minimum Payment 12 Years I $4,174 If you would like information about aedit counseling services, call 1-055-326-8355. LATE PAYMENT WARNING: If we do not receive your ninimum payment by your due date, you may have to pay a late fee of up to 535.00 and your APRs may be inaeasert up to the Penalty APR et 23.15%. Payments and Credits Fees and Interest Charged Transactions New Balance S2,126.69 1 50.00 564.20 50.00 = [ S2,190.89 ... •-•••••,.e 0', a ••.,,it at t .300. (TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR MARGARET S LORI #2299 FEES 1 12 MAR PAST DUE FEE Total Fees This Period INTEREST CHARGED INTEREST alARGE:PURCHASES Total Interest This Period TOTALS YEAR TO DATE 535.00 S35.00 S29.20 .S29.20 Total Fees This Year S70.00 Total interest This Year 589.81 Transactions continue on page 2 Due Date Help is Available. Just pick up the phone. LW Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate urn your account. Annual Percentage Balance Subject to Type of Balance Interest Charge Rate (APR) Interest Rate Purchases 17.15% P I 52,143.14 Cash Advances 21.15% P 50.00 P,LD,F - Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5 1 7 80 5 7 3 0 7 9 2 2 2 99 13 2 1 9 089 0 0 4 2 0 00 3 5 9 0 0 7 Account Number: 5178-0573-0792-2299 New Balance Amount Enclosed •,r Apr 10, 2012 $2,190.89 AriArlrLiNT MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 529.20 50.00 Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments • Review account information • Manage your account in privacy 400006 Capital One Bank (USA) , N. A P.O. Box 71083 Charlotte, NC 28272-1083 1111111`111"11111'111111111"111111"11'hill'il"11111111.1111 Please make checks payable to Capital One Bank (USA), NA. and mail with this coupon in the enclosed envelope. How ten I Avoid Paving Interest Chartres? (ash Irilth you pay you, "Nose Pheise" in lull, poi vii', It,va s lnn jrl:r peri,? at 75 drys vim n, inte:x t :hely, an ,II tow' 1) pua:hosen, .) C',lon:e h'uut'ts, 31 sposi,l pu.hr,-nIJ sinal slisdos.II,.:•uServo Pon pyrjput ,:.otin loll tial n,(nowt , lolj', Jpiod sn7 you not Hy p111 11,1 hill in hi . ur ed itturrost:huyes .d t' ..' tad the ho ptioti DI 011 l J;Tut roil, I m:', : l I JIIL ll7 t:%"III. ,Ur tit:. How is the Interest Charge applied? Intx os: jos -r-snor haw the n date r tie tl nada,, 7.) ;1',a tier p J. -:,'d a 3, I _I yslotilx t:, , me tillind ,, IJ..Inbrsst discs, syynn 011,.. , ,n,.l ] ,els It •rt: Irjr.nid t1 1 T1' owls you troy os, d y. p- m a -b: wraith, .JA Id not T, 1'J 1,dl. _.'1, Oen. LL :they, sto„d. tJ I'. ,. , t?':0 ):,,3 `. '''1 na[rae•s;t' i'i shetjes of illy tine. Do you assess a Minimum IMnest Cheap? I t' rt itutipREST TrH'RCE . t. sysossod I., ohs h tin.; period poi ;::.Donn is tot,' I to m'. inner st:h`,13' How do youCalnAate the JagtgaSlama ?u 1:'010 o t,'thoi tone] Ar;,yre Deily Pekin' iirr koihrj it to amniIva :: n-'. Urd't this t_:. , - ,.c',=drily _-I, , t ,ej,r.t H C c d ..;.�!jtu:o,t ,:h. J di in nov: u_iu'nus nd an he p-sia:Y teli' then .; putt :,y1,'ene :Jud ttelit: tar thst e"Jll int o_ ot mor day. rrt, ..',tt is Ih. toddy Iridic' Ise es;h »;hent Ho,, u' , it you cytt put devisors aunC111.,t's nth hp - you;pl:hosepun:hosesojt,1111, . iot,ttnt to the Ill;ly't,low,... o,[a...J..ur:thatu:.. j.tt. ..-. •'dv ,shoo.. �. out' 0 j1a.n pea'J ,t- not "did to the doily t,luteen. Not is End y e Axe oily E,l,l 1. oii Pr lily r.coytoj-._tot ewh.-jn:I.,tad 2.3i,id• the Utt t, al Yid of nosh 1,11,nj .'', vat Jo:na:'n;e yaw :dor,uChorjr;u loit,iu,:II:-ukiply put uuu I3'Chin Es!',:z- yCw lriht d„d,d: 1 LI1 J'' 1:1U lyC: nosh.tyen- u•starthe N..T:. GJ- to tou,n3 n'. air,- intorortsharley this .Ju :to•ttiuy v-srytl mPs-,. out tintyto ,»,oily u, orsod. How can my Variable Annual Percentaue Rate (APR) change? l,.o. Ana rt r; rosin,,, ,I }:::1-„e 7-,se1 01, ane m- lira,:ilij r-p,l.-t indite; 5 peas -T ir' me tee,;, s;cert m. 'e,,. r thhd r -hi di i!d-= :«d la: yam,:.:ani I:I,kIl1,fedi,.dr :,nm- front rthis outen'mnl-,tIaFox APR,:,.Thnl:h kme•vaintela,,: Code next to your APR(s) How do we calculate your APR(s)? Indic + margin (previously disclosed to you) When your APR(s) will change P L trine Hole t1ulip, s n',111.4 LIE:14 It sot, lh,ti,t loy ,t rho tinily pilot. thol etd ...ay, Aid it tun, otJ Ohs (I F Nitre Rter,lai11 l Ea. r n',I jit! 1 n'nrdU The fii'ri,yal roth ti tux'lly tiliill3 [into]. Are there Additional revs associated with my account? Ya, und-r yeas. ;icut 'Cut, -=, you toy the , ,e=•:d y Lir ,, Prawn, ] f',1)11 ell lee. Y. n'ay ,Is, to ,__'-, eJ J,•e:Ii:nit loos d porn he7 ty Ire. hire term- the rijilt t:. not • with:nu(sir noneand vithaute:_Win;au: lijhto ogres=,1=nr'il` rh-Inter. How can I Avoid Membership Fees? II u Nonev,-'i Non, i, panto d an CI- It it it Cl" shit -ewer., you no./ e',o J _:nodi, ,n-n!uuol n'-,rL-e ship Ize by Solt,.. 11, naso the: 45 dry, eltrl the Inst d'Jy in the tiny 'y_h rowstoi P. this '.,ten se.:L tR:. ,,.J ,. �J , c,;i; ; rl'araly hent -:=nip s;311,:txS.11,_, ?,1 'I001 ,..,".1,1:211, J vat essossi:y your ,,idily How on lrlose My Armor? You ssn ootsl,utse c: r.io eny^Jn'oi.jre.1 Cut,:' i0I'yJul o, sunt At thu 401::, n: 'II 'good, any odditiorni,toF_ Cr ,::,urrt:,:me, :irks iry Latoi' e pond Jowl hfo.r.',uoll •nni da rites. Her-= Mt, d•,11 y, pm .r..tt-,__' hs:,5 post n, . ,.,ouu.,t. you ,.k u. o:10,,ire,-.,n kee(.1Jr • open. What happens amp pram. is snspe rlQt A d - jht to othattd t rt .say ter' ,rd 10. ,I, I -:J,, ere: By-, 0Iii 1,1 ... :J.p.l p. tr'p0.., II 70111 :::aunt is ;I::r? ;n =.r}endet you tut 11 =np. wing y_u' :Phil :u i tad ,:;aunt ,'.I :,n:-1 oil ,uon •ni: pryer onto; 31 i'st,y i i ;1-din:,r3s .11 •', :hosts, ,n) 4, poy r11 ut' ousts you a1.' nos, exon i the`; ware J1n jet ,ler C;. ,::,In:[ s .:I,; -i a, s::spz ided. How do ;Make Payments? At sty Ciro, pu n_h pay the :r hrirrurr pyre,[ the ctrl :nl.,ii tar.... any swots. in ten':een. 1),p1 nits t oy tr !rote in roverel v: 1! aiii.e ty joieu, j n cA :,pirratoro.:wenn 15sTyinj into put ,::0' ..7 IS Pilot:hot,eHes(.:,-S;:t.w h•ydislina :'.,.055.717" talo TA:ivrn,m, vo.: potrkti. When you 1.,k:, phut+ try rent toll). uoi "., e ,"p'nse ;,:a:r, ;-011 a:Ah lie- us o initivt•. ,n A:H a! ,I' tr:lni: pr. ono Post,.(!: yo tzi-t ]1 �r lk 111.1.: d.Fur J= ., hi:own "001 utt,n'.o.-A, ..on ' m.:, r. ]:y she ptas,ss pat put 301:,C!ry out telephonenutter I� Y"_'7;. tad povi]inj your it ot'tIin:r, ,In:-p'esenr u,z 4) P,ya,u>, ty rrsl should to s -urn t1'0 n.,iiay ,.'.thea: po,idel ,u mn tats In palri:m :i this tattirant Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. out I? When wilt you Credit Mn Pavans.? • -o•,dnear,n tho phono, sly ;Caw t -, i.ry we F.', it so btj,s 1101y too11dot pr. FT. •F:r rnl,Tpylrnt. ,- 01 J!. tushloss ],y,.. r..n. C, long sr,: 1)70,<-, L'- t!un' puu01olthis stetotred::dpu.r.-Bothe ,..;sF1 .rim.. ewo.;,9 2; yolk p,.-: .;s-.. ty 5 pax to,,l lit,.'Ie,s ,IlD:,t4Jst:71 tusu---''i) IJIr','7-Is:1 ,. k'.I'. d..,tlenr ...,teed ty us ,t,ny,Tell i.tston of in,r.y ot'I-t one n,y'n•t tr ae:l!tell oc a! rho ley :x !'-....,•= h -:r. Do you Process Paper Checks as an Eledronic Funds Transfer? Psaryfin 1 (.- pr.,.. ---7 r. m- .;` two • Vn p '.]-- I.k sho.ttduin strunrtrilk, ppredi,h - ,J _j -:t. tau:-thc :12 rV-0. to ask., o.. titrY ACHt,rri-I_ otdt dl,lt0 '. iu.d u'e to r.: I- o•r.,..:ant tV'iu; :,Ir:, ustI-inlsn,d011n 1, =ss m-::,101,-, ov •,:.1 Iltr,ns,:Can. What R I file for pantos/Ma it . a t(,'t, tonbu,t.y p ote.tt`ton. s ..0. 'i,,ton! c 10. 114.1,:i011 ,n!y.It!5not', ^.t I, 7t Li:.did-:t,ns= e ' .,:e;o;'I;d-hlo: ,n. Eo not sldu=payurd ,.,", if pe,Krywith yoot t,riti'pt:y',ttot th- E, cy, 7 d you,It, kik: t 0,Ii0 l aro Ln. rupr;, ;Intro ...-Cy aero �on- • ..I .x Souk- l'r„ ._tido--.,., B ILLING RIGHTS SUMMARY ;Ones Nei Appiy to Sr.,'?ranters ip'to.riso. What 1'o Do If You 1 fink You Find A Mistake On Your Statement: It You think the., io ,n rix ,all ,oil • .,Jnr .,ip-It the P.O. Ea, 3:2 i,h Dike dry, UT 5413:-'::55 h. your I?'t jigs us me tslivilg n.t:,load,,: •A lull. IJI,J • sr :ho 1511st xi ort of tho suokostod n.al. ' D-r:nit:fon oI Prat:on; It you dunk: thio ix ,u -nal an `auk till, i''';lite voila you hold's, is wrong and why you t -rove it , a isnot:. 1011 d'115 .ntryst u, saint. St: toys' ase: kb. ,F,11 sl;p-,led :m your :ascot end You u,rt nouly us at ony patendol en:nriu wrdin'1 1711 I,17-tIl u a: may us'i='nu:d:ally, tut it you is ere ,re :1zar:,eih im': 'o j,:r Any p,t-ent,l eu0a end ;cru a -a y her: ,t tory die enroll,(411 _ on. K'- aill notify you in with. 3T; to', 'i our :e;eit:101 put loner) Ychil= K. investi jve what!') ,I rot there las te=ll ,11,11./I, the blbwiilJ „e tuns ' ,S', 5001. n y t, '.,11.:.1 t- ,krona h. uttetion:, ,.:.c lt 7,011,, d,1411. -111:,1 shat ,iI :nor_ ' Th, ch,! jo it. question err; ren -Jin ,n yen tar -n H!t and w' o -,y :ontnuo t, :h,!ue you ildnest on that ,,'Dunt trot ii 4':e tet:Il1'i11'' 11,1,',• 11u7,,IIicl,k1. you will nothow t'J pry., ut soy intoes. J1 ,m-1 - Nhile you .0 not hos' f py m- `ul Junt in ;motion Imd1 s:, rent }ou , lith ,taut CI- out:ser Di auk nn%:lij,tall, po ole respansitll Its IS, reh,ill]ol :d put [,Ions,. • 11'1:.. appyot , - snooiu,j,io: nst loJei^Pini? I%hin 9); Toys .truin-ip1 :ot put bite. ,::- 1.111 s-ni you oradon mike ,s :l,!lurg o IhA cut :aro ti:l thy 011. wirtort on put mot stabil,. me r I,5J`1 vd tel m'tijr.:J11J- Your Rights If You Are. Dissatisfied Nth Your Croak Card Purchases. C you ,r :Fos: not with the 00011 Il mot you how p,nh',sel w•hh p.r or.; oil, std you hs:, salad in :nod loch to sono; mn potion with ten lreot.,nt p., i ; hull tin ii;ht nal t, p`P; Ihr ii,, intnj ti al:nl ioP urn the ptnd.as-. To oro this lijh7 me ioilov: la :rust to Uut: 11,thr. 1,1:1101 CI, I-u•.hsie Put. -Lao; • 00: with ,,+h .han.-s 11,. ,I1 ATM 0l oath , ick this ..- -1-tit :,dr . J`Jlly,u- ,,.mr,utrot y•:hon.'udypaid b;'the•pucht}e 11 sk ot thy yritylis rtovo n,trot sod you ,.e il-,:ac-1,d with r'I:poi•-h:c 0,tu,t.rnw,trn.,- P.a Eso 3:12 55 I.:ko :!ty`UT 5413::.2=S I.0nile nz iurd'Jjue, 4h- pato u:he appy to elle S,pt,? 'sworn.:t di= urged ,Iona. A11e1 rr rlutt DUI • 'dada: SA: o.J.9e:.-u.:. At th-tpoir. it _ 01.. ,.r ,r. ollrt,r ,-u:lar, ,_, no y ur-- .: you t.. -. t. ,u....-. ._. .t.0 :, 1 -pt U d yn-rt. :,pt'i� up ciot.wAiun pinpinrsy pundit.: Fe, out d`.• 21;1 1 Cspiral_ke.c,viu3.I:.._, et j=t.1..sari,non-41 Fits. 1 I• ';1e Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account number on your check. reiP Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Cat capitaitaw- Platinum MasterCard NEW BALANCE $2,190.89 Page 2 of 2 Customer Service 1-800-903-3637 www.capitalone.com PAYMZNT X00X-XX0C-)000(-2299 `:.rs, ;.. Feb. 14 - Mar. 13, 2012 29 Days in tilling Cycle Credit Limit: 52,000.00 Available Credit: 50.00 Cash Advance Credit Limit: 51,000.00 Available Credit for Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S2,126.69 J — 50.00 1 + , 564.20 + I SOAD — 52,190.89 TRANSACTIONS CONTINUED You were assessed a past due Lee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at Least 7 business days fat your minimum payment to reach Capital One. r Capita/ what's in your wallet? MARGARET S LORI YOU'RE BEHIND BY 5 PAYMENTS 500012 IT'S STILL NOT TOO LATE. Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ( 2009 (:apical One. Capital One is a f ekrally regioned service mark. All rights reserved lune Paget of 2 Customer Service 1 -BOB -903-3637 www.capitalone.com Platinum MasterCard NEW BALANCE 52,258.10 MMMUM PAYMENT ..145:: 00 X01K-XXXX-XXXX-2299 oATn Credit Limit: 52,000.00 Available Credit: 50.00 Cash Advance Credit Limit: S 1,000.00 Available Credit for Cash Advances: S0.00 Previous Balance 52,190.89 5. Mar. 14 - Apr. 13, 2012 31 Days in Billing CydeJ MINIMUM PAYMENT WARNING: It you make only the minimum payment each period, you will pay nsxe in interest and it will lake you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Male Statement Balance Total Cost Minimum Payment 12 Years I $4,205 If you would like information about credit counseling senices, cat 1-895-326-8055. LATE PAYMENT WARNING: If we do rot receive your minimum payment by your due dale, you ma have to pay a late fee of up to $35.00 and your APRs may he increased up to the Penalty APR of 23.15%. Payments and Credits Fees and Interest Charged Transactions New Balance 50.00 J + 1. S67.21 1 + I 50.00 l = 52,258.10 1 (TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR MARGARET S LORI #2299 FEES 1 10 APR PAST DUE FEE Total Fees This Period INTEREST CHARGED INTEREST CHARGE:PURC HASES Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total interest This Year Transactions continue on page 2 535.00 535.00 532.21 S32.21 5105 00 5122.02 capile Due Date Help is Available. Just pick up the phone. Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate ort your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.15% P 52,210.91 Cash Advances I 21.15% P 50.00 — Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 10 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057307922299 13 2258100042000452006 Account Number: 5178-0573-0792-2299 New Balance Amount Endosed L May 10, 2012 i( $2,258.10 ;\ ll� MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 11hilip11"Ir11r1111111'111,11.1.1111111111.1111111.40.11'111 532.21 50.00 Take advantage. Take control. Manage your account online at www.capitalone.com 2111 • Make payments • Review account information • Manage your account in privacy 400006 Capital One Bank (LISA), N A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111'111"11101.1111111"111111"11allid1rr11111111'1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How can I Hyoid Paying Interest Charges? En:h Irnth you pay;Aur :heli Polon," in lull, pu oil' hive 11 ter g:.,,- period :f 75 drys v.(CI no interest ;trarje an of root p p,ul 11 i' ', 2) i flint, nan:1els, 3) sp _ill 'Jr.,Ste] 4! -. p .C.._ I ;hives. II you hers teem paying ;our S::ount in lull vith n o int -lee[ :hvyt; Sppiei i111.1 lou do rut Fey put nesthll lu,p.'_e: ...,'..1lii1- t ,-..e] Pt., n- -I,.: p ],r.... VOI1,11HO. 01 n•' t 11rat a, di- i ::: 's, 1 mph, beth. I _ a.,,.s. How is the Interest (hare applied? Mei.: thiue1 ',5 r tht 11 ]-t<the r! :si:tin, J date the t!111,' -p --._-i liiit tslendo ]:y.' the tiding betiod.Interest :her," - ;u iS' tstmon .I1. it i, ,-ted l lull Th. 7. pt the e nor' i 'New ,i .,tri, to did not died 11_1 the nesioue r: -_ted,. Drip!? itstoeA ,re ,7]e] to c, l:1JF-!,,,nento, r ...,.nit. Y.niu. InnHin, the tight to 1.<< it, t,hi•j ,5. :. Do you assess a Minimum Interest Charge? ,`-s. A r l bison i INTEREST'HARLE of b;:., : H.111 t e ,==este? l:: est h tang smiod t',ul a:::;tont b" sutjett t, On interest :hogs. How do you Calculate the Interest Charger 'h3 use irethod ooked site Gail, E, '. 1l:.lu1 rd • ew .rd this I•-thv.^un dl} tale .v1y •, -1:1111 t 3-11 y trill... F1d` , -1 odd in new ,Onsitto:c and the pello11. Iter-i-si th,51,e on the Ipxdous liy� til -tete ten Y suttr3 sisy unirenr 117 a -ids I:, th et segs HE is ,i ;hst dry. rile Ie;.,h i; the 3uui7 tilullte I it ii_h s- Il -nfl Hoe: -u', it you pd] sou. pesioui month'stot I ' lull :sr -1 ,., L-., - rourith mew nn', :sh h 1.,11 U por pothose sprs - Fur h., iegmenD ole not•ii - So :he ;o'Is tal'-ttr. Ti v, h,l.,.t..::hi[,5re:4_,t t:, S jn,.e per ,..not add -doth- drily talon.... Next, to End Too hsetoje Daily Filar ..,'.?She doily tr,.l.-srj-n:..:.:.,.:.s:ajr_:..oil 2s divide the:sots ty the'IiIitO :t day:n- t c:lll1 -ltd or es:Milling.!e.,•.•-i:-is11111't""gc" fl?hn;. as lot:.vs:'pi•.'uuiply soul lo'-,ige tidy Polon, Lyteypn ISle AR divided[ -:'J til that iii'1110 ....h by themart. of Jits Ithe fl n 'i_S N_:TE Due to 1.1idlngn-. Miaow' ..t :td,mHli. 'l ,':n.• mei Hoyll,.- the inteteit..hi.t- ottuolly11M,Rd. How can Illy Variable Annual Percentage Rate. (APR) change? Yd. 41R n o)• in.:lze-- n J'-: eiee tote] un one it the lollov.ing repotted inibes :lethated in the throrr Siteter nOLIMili).To Mid dirks indexs? isto: tour,'':nmt I,uk1 I :...,i. .n the tetUt itlot pin571::1. then sheik the all. tilos.' Code nem to your APR(s) How do we eloslate your APR(s)? Index + margin (previously disclosed to you) When your APR(s) will change P L lt kr,Nat_rrintro ulrnah DEUR niiii, lbs /II Adry ,t the t?fily Fetid, thus end in lin., _so il, Julys,' Aid :t G F Him, Put -1 legit 1rronth He:Yi 1',51105 Thelhsr ]sI; :11 es.:h Irn.thlytill hy Fel!o7. Are there 000idatnel r es associated with my account? Y,S, under ;slain til:urstmtes, yin, !ray be Lit n Returned Pop en lee. Y. tidy il;o be O osis. Des:Gilitt-es4 purl[ted by!iv:. the 1erilvt tfl, tight t. not u-s,ss lee-: without pro: loth, 'mJ s'., out :missing out right4111,11 - I'ilel. How ran I Avoid Mend enhin Fees? 11,5lien-s•;,5INA, ispunt-]onC.,irnit o1 this Zicrr-n,;-..,n'uy spid posing on nmol hroIsC- ihip tee by _.nts.rlo :VAN, Servke no bore then 45 drys Still I., Fust dry in the hilly tosserei ty dos stit.0 e..t ited.rest the: tln _.. u,rt-' monthly note!ship: k- we -. a . -mutt aut. e1 i in.- itirre t t m'it s:_ [lose )o:n ,.,.ul1L i. J v... will city y_ r .. tar �, r ,51st ... 1,111. .:t � r.� ,� .c n,rr etsh'p!eta. How on l rinse My AcrnurO? You men :ullt:'t :Uitolre: Yost' a -5;'Sri a C. I Hueet d.it we :lite put ...rot 47 3.it los, well eo lout it:y aldid:0cl steps Tr )..:Jurat d,. -tor,, hl"Ldnl j bd., Fey d octal ilitotsl'itn: HI? tis elills5. ^I-i==nni, ,tlpin In, .. .-1n,. :hng.:r , t.•th.. put soo•- dtel }-:u Onn OO, in, n .,n kee(y ,.... ,111 ,p' -1i seglat happens if my Arrlelnt is tris nde0, :hs r 'Id+ ' • i 'jhr `r' ,l :' ] tut J - u d yon n : ]-I,u Att.. - ,. II :TAO :li)Uu1:tis :I, S-] of swperk7 you must 11 stop suing psi:, ;Iedittoll on]JE r tet 121 1,1.51 SII euton ps;ti ane', 31 dtstiy ini :.I edit tills :id otters the:[', end 4; (:fly ill in':J1,nt lou or.- toe, even d they stat- thirled sifter the O::ount 5,5 How do !Make Payments? At or/ tete, you ray piy Jrlri;dnur repent. Ills otel Inipai] t'hbilite. n my etrn:ni hi tttweet . I'iy.. -tett Fray to o'ode in severs! rigs: I, :b11i, by goingto v,s'n',•.:apicilure.'.o:r sod I,gSky into pie itto.utw. 21 TeloFhn.. espy. -yst-m tdisili'4t .C-355)70- ]to11-:s )the .'When -al, '-y`o:tit ryes " ! ..�- ..:n •ni '•cin'•"" phone Ufi *Tela through oto. .its I- po psi in,l!u c u: c. mini[= in A5H :: tlt:voni: you u a . ) try also erste:r. puyrr•nl. Ch. •::i':. bed.ct-] hots poi Lniku-...Jll Funds .ey ;•-u! Lott :otter:ti-i1,,a1 111 ,rr'ley s'te 31 ,itil,J our telethon, nuu'tei I-h,C;.?i5-;C7; Sill podding y:ur it?oto:'iiin: n nn:sl:l-sent,OsT; 4) Paprere by nail shoed t- sant[, the Iroiling'idi:ass F:,si?ei ort tit Ionil:' ,onion o! thin s'tocn'ent Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. nal 13 When will you Credit My Payment? • Fil ,rdiurUI,•,elthe p'hil.a,in. he1:,iille.,dayi.-lot iterilnyi,Its,ore srid, ty5Fir '.01 • 10 imiledF m.•,: Of lh- tusimeisdoy teteise it. OF I.ng, 1)yter rendthe ttlth smEon it t'de stotetretX -Id spur ,he:A in the ;:t' fled ietriaom eineloth, old 2) put p,,1'l's 1: teseh-:i ill tee Of 1.1111 ty5 p.o' ,.,l Me. Ile,ie.1.s, ,t l-i;t^)tater-ss i,}s I.II ,P delivery. Moiled: treuIt st i`t] ty'ic et etly:)tiel I:: -tori it III ilg other IU:Ir n`:y !Ube tretlic;i us it the tit;''•:e io:ei,•e then'. Do you Process Paper Chedcs as an Electronic Funds Transfer? will be • roteseed in one of tor:, _ When yr, p.d:,J".k _r thetk ,•It r'.yre usih.rr l:,n '.j-:bu n. the ei;' ;.; r',t ', . , tet. )-�. . .m r to k s one trim A H t t other 1' li L,11nInt1 DII. Y:.i deFosi:.:::.tent the I• ey 'n"., a"the fblrOl tO,._.. S -pp -eat . i.h.kot:,tris What if 1 file for Banlautxco? it y-ou iI- ent1tl-' r. Mohr:— y po's't, t1I=--n'uni"aton is OI inburetion Univ. it i_ not ini herr(::' o :.Ullttt 11.5-55 ii 1515551 : Pett ii JOIN'. Eo Its isri? u5 1.,,O1,411, without Ip ekiniJ fluth yooi ternl,pty ottomey or the F',nVuity tisit 111 ;::1Y pro ettormy v0Add IL= t"'•111 DUI tOfIrnilpty tlethe d7 flie+, Lorstost 2sEitol Dile •I'D Eta a __t.ok-.t, .5.413:':255 BILLING RIGHTS SUMMARY ;Goes l+d Aupi;• to S.vraii 3vsieiess Ascounri What 10 Do If You 1 Jird[ You Find A Mistake On Your Statement I! y.0 think there is n. _rr.l Of, TnIll Hat.. ra,,.,t it. U NsiFithl Nth P.J. Eon 3:255 flak bike .^.+q•, ur e4I3; a-5 h: toil letter, jhm us the blovil.g iohnr'oton: 4..i [ini , OFIO • 1y 11 un^'h- 1.1/11AI Hi.ea.t the susFetted.I. - Ge=oil:tiii -UI Plotl";r,': It •:1u drink ihelt is in elrn ill y.ur hid, :Muth, who you tele, is tong Sid why you believe itisan Ltl. YOU a u :.outs:,. catkin e r ?u), stet the error al:peirei oto ;out ttot.r'Ir You HUH ninny us of my Fotnrtiel enols ti vaill111. 17u !ray,,tl us oI n:n?y u, ele:honi:.'.Illy, tut it you Si' Wit requited to iln,stifile 1l'7 iiUltlld,l ,nor, Ord yOU n ay hast to soy the i!ruuut in gr -;tint. l4•- sill !only ,,u I . snitiny Hathin 3.2. Joys it out is: -td i! ,m lutea yhllile rte ihlvesti jar. Y.tr CI -I Of flit tilt e hr tssii in silo., the t,llr'.vi j ale hue. • We _,iO'.i1 ny to ...Al'am ount it. diresstion, of retort y , es 7:M11lrert yr.hit ors sunt. ' The things in :{1011,111 n' -i: terrain o5 your 5M -:l rent =ted v:e n iy:.ontnus I tiisl you ilMete,t in than an'ount. Fut If s':e ]et:-ln'ii.- [lit w: n"O7e a II iat,Ke. you will mot hist t: thy Me :amount in gurtioll DI thy interest o: oder ' While yn: do not her- b Fey the n n:nt in 11n1in1 to :.e sin] you i nolle -tout Cin MIL., it DUI nrcesu�,Nil1. yo•, ale esponsitle In to In: -ildel Id tool 151111 1, ' lb'' -:a eplityony unpaid in-.untspinst+_•m :117; E. Within It Si}sy ltti1;1 pin @tee,, sill send y :;ire,l nittO iq:Ioinilg eider drat x torested the Ills a:t•Si ors r that:taten'elltti the roaster, mteflon' the tis h toned_ Your Rights If You Arc Dissatisfied Wrth Your Credit Card Portholes. t y.0 ile 7:ss'rislie7 s,4h the goods o1 site,.;' thnu hire cui:hos d sill your :relit.::v], -n:? you h Hiego�f Hired in =rod lyto tonthe - p!:, with the ;oto trey hiss• the light rot to p"uy the rer.'ih1,1-u nri.:nt due or. the 151114, To use this 101, the loll:ming must to tide: ti•i airoit h, sued yuut..o't to? nn, Fo.h'uie Pn.h, esrro]es,th Eels Om an. ATM .: y. -nn, he:kdor,::-stet tvu tu,dit:old 'etaunt Si :tot ;ualil'i, iid 2, You ir ust not yl hese :utyF ] Hol the Furth,:.. !I ell OP, ..rlerio obsy oe met Yid sou HO 14i/I ] - 'dr1'.- _ with 0, psc h I,,..: 1•I Cupitil Doe Like 5ity, i Sok , •T 3,1132-N255 LK.•lile ,ye irt'si'igne, N- I'r.2 roars oFdy to the Ssp'.fie]-rreu:1t ul dlithised store..Alto vat finish our + tiito� v._w7l qk ru..,r ]e:l.0:l-faith, Loire, d in thin _ .s,. nit n. .aunt a: ;u do h_,-, _ , .. �.. .Jn 1111.: .... 1i.. not thy 111:1 �!.,.. lrl:ort yiu -:l ]:-ikrosetet. :,ptlDoe s= inlortrolion dimty e t t_[ .. 1 :MOTE Use. p slYthe o lethrolly registered': s. wok: A tit)hts mewed. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. - Last but not least, be sure to write your 16 -digit account number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Ca CapitalObe- Platinum MasterCard NEW BALANCE $2,258.10 Page2of 2 Customer Service 1-800-903-3637 www.capitalone.com XXXX-XXXX-XXXX-2299 wkni may , 2v�2 Ma. 14 - Apr.13, 2012 31 Days in Billing Cycle J Credit Limit: 52,000.00 Available Credit: 50.00 Cash Advance Credit Limit: 51,000.00 Available Credit for Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Charged 52,190.89 — 50.00 -t- f 567.21 + I 50.00 Transactions New Balance 52,258.10 (TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was riot received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Capita; what's in your wallet? MARGARET S LORI YOU'RE BEHIND BY 6 PAYMENTS 500013 IT'S TIME TO TAKE CONTROL OF YOUR DEBT. WE'RE HERE TO HELP. Even if we report your account as charged off, you'll still be responsible for paying your debt. So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? Please contact us to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by the due date to eliminate the risk of being charged off. 0 2009 C'apiral Oar. Capital Orn is n frelerrally registered uavire mark. All righrr ,vrrvrd. Platinum MasterCard NEW BALANCE S2,325.22 Page 1 of 2 Customer Service 1-800-903-3637 www.capitalone.com XXXX-XXXX-XXXX-2299 omn Credit Limit: 52,000.00 Cash Advance Credit Limit: 51,000.00 Available Credit: 50.00 Available Credit for Cash Advances: S0.00 Previous Balance 52,258.10 1 - Payments and Credits 50.00 Apr. 14 - May. 13, 2012 30 Days in Billing Cydej MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay ewe in interest and it will lake you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Total Cort Minimum Payment 12 Years T 54,229 If you would like information about credit counseling services, call 1-085.326-5055. LATE PAYMENT WARNING: If we do not receive your minimum payreent by your due dale, you mop have to pay a late fee of up to 535.00 and your APRs may he iraease.^' up to the Penalty APR et 23.15%. Fees and Interest Charged Transactions + [ S67.12 —) + 50.00 New Balance = l S2,325.22 (TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR MARGARET S LORI #2299 FEES 1 10 MAY PAST DUE FEE Total Fees This Period INTEREST CHARGED INTEREST CY'ARGE:PUP,CHASES Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total interest This Year Transactions continue on page 2 535.00 95.00 532.12 532.12 5140.00 S154.14 caggie Due Date Help is Available. Just pick up the phone. al Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 17.15% P52,278.22 Cash Advances 21.15%P I SC.00 P,LD,F - Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPIIALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178057307922299 13 2325220042000545000 Account Number: 5178-0573-0792-2299 New Balance n.. Amount Enclosed i L Jun 10, 2012 I( $2,325.22 1 1 r MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 ,r111r1'11111111111'1111"1111'1111111112.111111"11111111111'1 532.12 50.00 Take advantage. Take control. Manage your account online at www.capitalone.com • Make payments • Review account information • Manage your account in privacy 400006 Capital One Bank (USA), N A. P.O. Box 71083 Charlotte, NC 28272-1083 111111h111rr11111r1rh11111rr11111r"llrlrlll'll"11111111r1n1 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How On 1 Avoid 224441110 1000,001 Charms? TM, you Fly • 11.0 Einfor," in lug Tula MO hra7 it Mario,41,:e4.0.11 13ri dry, Mt i150u0t :hinge -At ail new I, pletwie, 2? 43 III trnlifelii, 3Ff0D01 plf fr,D, mil 4.31oo ifielde, ivqu Imp teen fridim vaui numni in lull Met 11, intereit :Magee eatlied am, pu irrt pay pm nert hill ir, lid:, pan' .ii&l'1 dtune, Luermd. 1713 qm. F004,1 :0141 u30,10.. 070,441 1,0114,li, DVV:1,40,,DDII ,4100thcl1''II 01 How is the Interest Miarue 'appfied? liciduct chug. ye,. IA. the A diAe A the nismetim. 143,4, the nntiminun 433''.#i Sr Ii110 :clIVIcl01 1.. 172,2,13 3ert.d. Intemet deidc, .ue 311 I y 014,0i1 wend mad it in mild in lull. Eni, ,uns ;toe wiry awe intereut :huge, even 4.10 34 entire 'New Eci,me- mann% 042 3:: VD tur 30 F,NiD!cl 11,4, 1.44,cl ii.ris LhAu. u 1111, 17i impel isegirmit al pm 51 Jul52 eluvre,te. V, 0,00, !ight .1a, LLuele. ihmiges et mixt., Do you assess a Minimum Interest Char4e7 4-40. A ninimixt IfiTTU37 .112221 .4 12t.L5U re emereed 1. Lath tilling re, I ad put 'iyiu7'j,:1 How do you Calculate the Interest Chae? 72 ../ agthad wiled eemune Leidy Filen, 414.10.1, my new ii 411224" 17,11,0 13 A -than, iltit :11:.olLte year daily thlureu:IDI00".t. I 311 II' 1l3Jt. figinni,14 Nun, add tre,D0110,1bDi and getudr. Wendt Mime DO 04 120.01,, DclIV 41V01 11 0,0:DTA WI 10011 'II 0111 ,ikclitV1,2 15, 'yinrt . day.. Thu ieme i, the duily MI/feeler met, Agouti,: nummit II (III mid pun pea,. i.l?"_Sator, in lull 50 4034? tel., '.''Y tu,A X, put modiew 0emenil por.h.e. 1,31101110 Urt rot 0;J:1:1.7; th, :lly tile... Al,q, num-di:on Mut im mid 114 41313/ pwiLid ure aat 311-31.15.113 521111.31 0111,1.11m Asirmy, rein:if-Wm,: I, endthe 1,37 inulenee, tar dm ta, eiOS tiugirmit 2I '112 22, the Mort. al dip in the MX iny W. Me ,cld 1,11,1 0-4 Wieurine Ineites1 Chug, .1•Alaws: 1/ 14 Uclicly pa, 4,74:1D, Euhniu 57412 teiv m11310 1041 t,•,/ 3551 ho thirre,,,urent end 71 nu:aid y ty 0, ciclTcl4F 31 17",,, bIg 1. N3110Eme tamondind 1ntemAul4ige,11n0,00:01,1,,3147t1301iciciclt ictinfld eiesmel. Howcan rny sij'Arkgig rW1ncia:,menttat (APR) change? Ymi ey a: lenuum I:5,, 1 Al Drcl D2 3, 11131111444,111431kcl '04. 3 1in The Vioi, .50e Ti 111,112.411 71113ux toed pm II II Ince ir lette :ad, :Jr! (NV 14,14 :Atli! ,10,001111,01 40 N01.0 ArniA thol,h,k,he Ill - Slit: Code rrekt to your APMM How datum misdate your APRisM Index 4' margin (previously disclosed to you) When your Aegis) will change p t Nitre Rife 0 DI .2.in 3 :meth LIE,MC 012.444 111,14 ..; dry A the Miliog poial, Chu, end MI., ;unit July, md al. CI r Pri00 rcl.01. 122 1,19411 1 rypitC1LIFnei negin ib, tug. 3117 -.11 ...44t1 neetlily tilleg Teibl. Ate there Additional 22 to associated with my account? Ykcl, undo :eitsin 111100010,1104, mu nay be 0E4,r7* Wm autunned Pup mit if, You :37 012) to Audi 3militrit 10021)741? iced ty 411?. W4104,, 010 ti311t cl 13ficl ,151 Vithcli.0,04044J :11.0 143h10D How ran I Avoid Memberslap Tem? 11 / idenewid 71111113 1211 tl., ITA it di this ALterient, rail 11,7 emid pyind 322 1000114 1103 ty inien:Mg 30,01:e trum thui 45 fop elle, 4410111(1 d uy ths 13144251 ty de, M./mg 011(4121031111 4.0 TD 110733 n'unthly ,reirtemhip euntia, arit01 :41 fe.(11,4 014,4cl, 12 D0D,,, 17D4 ,..1;413111, Dod 1,,,04Fitr4 puf frcl,thly nentemhiplw. How can I Mose U4 Amour.? Y,u 1111:4401:1 :VA 3,24:e myna e ta Ague!, 1301131V y1011 1211211111(1 diet Me, will exx, sin :Airy id:lin-A.1 imp,: LI:And Limn!, • py ileaim/a., Aid tin dine, 440,0 I., 47,11 it pt.: 4,0 por iteM nod ni :h.q. pit t, eimuut Met iref DDVD it V, cl.ir, yAo ,111.11D5021. What happens ,4110-40,,,,, scl010.4n,1411, currerd ort ere pie Mtge - 'we' irt 111175,ro 12111 141 toy 100001, wen it pi, 02, 001 in 17101111, A1,34011 1,04,00iD0 :an roc p31/57. II 41.0.0 0,1,401 00 :1710 1 41 Augunlied11.3 ort I, :dun ming pm DV di1 11,74 D01 12,D411.. 25 Amul 511 110an 0121 74071 11117, 34 /041..; .13 4, cLy urdinm mait ire 0,11 1"1,7 w0r, Melded 3111 tim :,l 11,110, umipetiludi How do I mitifpeypeatk? At 141 y 11•Dy pay Me 1140i0,1, p3)4402 411 br 141,1 unquid Leda me, my Limmor 11 tem,. Payn Art, 4 ey t/ 11350 10 mimed shy,: im ping m iweengpimbite.,:nr Aid iaigag int, put miinut .1; 27T011'31h01151'94:0115111.'1l0ohy,01'lr tm Siiirig I -thd•355-7:::17. lulmiod the VDicl pi,04p4i.V00 yDo tr,k4 phair, tiger ent ,,k0 eLemir, pi/ DIAttni0 4111'1114447.11:151314 elediani: timienr.MA 1144 to dui:1ml ltair p1.0 RIO, nevi, 194301 2241.11 tun' ym, tmt uluume marl aFdr, 1,00 11271:0 c00101 nigiment 3, :Wing aui letexlmo 14411501 1.1111737111774122311114112115 pun 043110 13,,, 13 1112 002050r1111'J0'(l 41 154301en,e 57 11412 muted te 11117., 31, treileg 073,011 71105101 II, the tanurr pailim :4 Ns eedidient Changing Address? Address Home Phone Alternate Phone E-mail Address Please print address or phone number changes above using blue or black ink. 051 When will you Credit Mv Payment? Fclf Do4110 DT, 0), Thque, u, 4205m famne. Mg 11,04, it, DI. 1013 ,they me It une 575 pr. TT. •4 pirrente . the tuAneii ley 03 AcLeire it. 00 IDIrj DV: 4.S2 IM 54 II 1,111../0 .31 110, utizerrent 1117011: :Met, hi the en'ADY4cl 1,Ir 0,I,;t., ti 110131.', ,1111 2, ym: Fume II', I I' .0 ttt 5'i '1.3 t 74712. i1:51 Om, Plicl, 0113.V :41,0 :7; 00.1i1 delivery. Meiled pgreliti 44, UV ,01;:cl,1 in 41 vi 340,4 tnIr mete cr,dit,.:1,,,..31111,, to; we le: erre ten'. Do you Process Paper Checks as an Electronic Fonds Transfer? itodienn V lIte pamiried 1,2 une. A tem oisiyin Men pmidu , 4: 73,,h,1,101,i1400:351 CD nuke u ppm pu mtharne Di DUI 113-.011iu332,13irut, III. ACM' 01,14k11 Di Dthcl 54114 13,1,1, tido dam 1773,2. '11110 We nay 114:0000,041 per.eteth, p7'i:001 1 cl,,,ktrD00.110n. What if I Me for flankruntur7 041 Ae mitten td totimaty puMitiute 312 Artruni:enun ir 1. Mermen., uny II 1101 Ai• Ate :uliet, 00, 1".'' .2.':, dvtD JAIr.ita ,rA Rind thi uyeie w ednediA weaking with yam tuitimrey Armee le 170 70,1b4cly r. y.0.0 Ationey me.,1 tu :antra iituuttiy deer, • :'1'4 ileum iante::: C.431! One •7313 3a2.35 • 3,1, Luke nitv 441U.4 I 3n,h235 131111t45 RIGHTS SUMMARY ;Dom 0a ,a,orrie ruSnwif St-si,as fuhmurr,, what to Doll You 1 hink You Mod A Mistak. On Your Statement: ti po think time i, or. I! pUt mite otgit, ID lit tr. neudi,4 :7,1u Pht. 5.3.7235 517 Mt, 157., UT 341 11421111 honor. 315, 11 5.1atiredm: • k: :mot ini11Fra31i413D11 1,000 1040-544. mimiit: 7410, 0404 41420 eteepeted Am/ • liemimi.1 oh teatime a pu thinfthem 01121i pg MR, D0710, VA101 [40,74 muni, and why va, 5,400, II ir 021 10,54, 3102 li-nIl ,D1111,1 2217111 54 do>, elle the mm: 34:7 10213 '312 ylOal 40102 0111. 11)0um, untie; or A my 42233011101 012231711U171031 Yan may it 02 1111111730 04,4:Ik 00y, Pot it pa 1, 310 110110,0,1 er,00.401, 11,7!.:DIltlicl DUX pu a /vim, m myth, .rmist in .reetiutt We ,4111421n 3911 ill mins 143711: 34 dime al mi meeipt al pin lone:, 04:1 illVeMpre Whealel 401 111011 1141 [0021 00111)1, the tallmitig 011,11 W, ,0011,0017 clIIKT 3,01?unt i1,40450.1, defeidoent Ainmt sirmi - The :733' in umeltut WY.; 424 y,005t,1,11 04, klal 0-0y Dclt,i00, to Migeymiimiest At that /Irma BM, it sue 344, 111 11 10 5111100 1,11 D Make. pu 041 cat hired 1, 74741V '4 1 ,0 1 3 i 1 1 :OVA 30 . ad,:: I'"tu thit s Whil0 do nut Mr, 111 puy Mu enema in :radian until 0.3 And pu nada, brclIII DIALUTI0 DI Dr1.0 itt,,cl4,41,01.pir umrAtitle IA the me/ind. po • IVo go imply my oixurid miuunt 0.4,1A pm nelxiiire. 34413,4, 57 ley, A Dill I 0311711247:1)1 on V.111 44.0.1 10.10I0i70ll iclticl 014:1,itil13 aim 17:0 0,0 141101103 the 0:112: :110 7.0141 11001 :0.1101100V 14 do 140i011, 100 ter,. the Silo:enoel,„ Wor Hillis If You Are Dissatisfied I/frith Your Credit Card Purrahase, 373, me UiwAirtied with 170 'gaud, it A.A., that yan hum nu:Muted nele- :et d, 11111 1101 ham 5103 gaud inith 15 11110114,0 ci-JUDIT Vclth the mei:1mM 7.01 110.; hum the li13tlI ont 717 450 1011 31014 Araiort due DI. 1I14 pilcicliV. 1)11:: 01211:135'. bibs:Mg:AM te nue: 0, 7., tru,t hme coed pin :tedit audio Mt Foruhum. P,114000, 0,1'1 Vclth g,h iderime, hair Lit ATM DI 'Mt) 11,0*413141200100 10011 qedit mrd mu:mean. oat camEl v. end 2; 7,1,114IclinUt yet lee, Jolly pid ?V, +Jr. ,i00-14. II all utase, 05 ,2:4013 you em dimitiMud 0.5th1perm, :untiAt II' ill 1,104121 a0.201 Pia YDX 3:235 Fmk 1.4t, ,311, laT 74154.4715 While ste inweiulte, the fore 01140 44:17 ti the lisciuted 021,1111 u, dm:mud etas,. And linirh Jul 41+,04400, v, Will 400 77.01 :11.0 diiicinie At MA imMt, il 000 thine pu 3100 -41101110111120473,1 :In 21:4 puy remet mu. deiiimmi'l. nemirni mcnuit, intaiiretim 50140,7 70,1012.301 00 0,215,11041 VOV,uJuvil'ainiIt4011 ▪ 221 1 nimbi :tie. Mir irel IAA ally ieuilimed yemi, nett. All 'grit, Mg /se 1. Not quite ready to make payments online? No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your statement. Using a different envelope could delay processing. • Please don't include any additional correspondence. • Last but not least, be sure to write your 1 6 -digit account number on your check. ) Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: vvww.capitalone,com Ca tare. • N N Platinum MasterCard NEW BALANCE - - $2,325.22 Page 2 of 2 Customer Service 1-S00-903-3637 www.capitalone.com PAY NT XXXX-XXXX4000(-2299 aUFT. DATE hter rlf, 26Q Previous Balance 52,255.10 • - Payments and Credits 50.00 Apr. 14 - May. 13, 2012 3D Days in Billing Cyde Credit Limit: 52,000.00 Available Credit: 50.00 Cash Advance Credit limit: 51,000.00 Available Credit for Cash Advances: 50.00 Fees and Interest Charged Transactions S0.00 + 1 567.12 J + New Balance 51325.22 t TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was not received by the due date, To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital Coe. 4:1) You have new payment opportunities available. See the next page for more information. 500781 Platinum MasterCard NEW BALANCE 52,394.38 Page 1 of 2 Customer Service 1-800-258-9319 www.capitalone.com/solutions PAYMENT DUE $2,394.38 5178-0573-0792.2299 DUE DATE PAST DUE Available Credit: 50.00 May. 14 -Jun. 13,2012 31 Days in Billing CYdej IMPORTANT ACCOUNT UPDATES Your full balance is due. Arty payment you make will reduce your balance and help pay oft your debt taster. The amount you owe may differ it youve entered into a separate payment agreemwn. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 52,325.22 — 50.00 ) + 569.16 ---- 111 r -} 50.00 � � 52,394.38 TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR MARGARET S LORI #2299 FEES 1 11 JUN PAST DUE FEE Total Fees This Period INTEREST CHARGED INTEREST CHARGE PURCHASES Total Interest This Period TOTALS YEAR TO DATE Total Fees This Year Total Interest This Year 535.00 535.00 534.16 534.16 5175.00 5188.30 Help is Available. Just pick up the phone. la Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance and make payments. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate ort your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Prrrc hasea Cash Advances 17.15%P I 52,345.06 21.15%P 50.00 - Variable Pate. See reverse of page 1 for details 534.16 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE. Due Date 1 5178057307922299 13 2394380042002394382 Account Number: 5178-0573-0792-2299 New Balance Amount Endosed Past Due l $2,394.38 1 MARGARET S LORI 801 GRANTHAM RD MECHANICSBURG, PA 17055-5885 .11r,Irrin 11.111llr1.111r111-1111 11111 .I,I.II,III.IiiPl11 Manage your account online. Visit www.capitalone.com/solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. 400004 J Capital One Bank (USA), N A. P.O. Box 71083 Charlotte, NC 28272-1083 1111111111"IIIIPPIlII111"111111 rllrlrlll'il"1111llllrinl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. flow can I Avoid Paryino Interact Chamois? Emh rrandr pu yay rpir 'Nava Paimi551 !pi, V.CIF C-00,0 111111 IOU JD, {maul A 25 dayl C.1.1 all 11104' II 1.0.10.111,,,.. It t4m, Imirani. A spar? pc hams and 4/ WI,: Ltmig,,. It r101 hava 1.411 141114 rpm in lull v.itti na intarih hwy., 1,0010.1 1.001 1p1.1 1:31411ynur nail till in MS. matatal iraman 41,1: 11311 41 55.1. llama a ma -nana Farb.; Di min 5dvanan, nimiar FrariFlar, A ;Fir arty ruwOarumrian vat, itum a an Da....1 kiaanD Mar a paaans How is the Interest llama applied? ham.: aliarrait I CM' ho 1: tha tairskidari. It DiraVt Viii: 11111 pr, -10'i Dr ir lirrt :Farina. day Di dai tirrinp loramat Marian um, an awry impaid airman 1:11? a pid !.r. '1:11,-u': Tam trw :4,1104 .1 A :Imam 5wr1 a 7,1 jVItl nd, "New Pnc.51 31, rronth, DA did nut :In m 131 41 1:1,011.0 11,141 inttcyt,ct :hang, are 1.'I 'I lilt pr.aa, an_Arinit k..;;Kmt. rammr 411e 11401 10 10.0 1:001001 it::') Do you assess a Minimum Inten5st (barge? Y,Y. A ?Marcum IiiTEREST DanahiE A 4:1.5.1. sail 5 "--114,, h )0011 DC11011.4 ;FflIt. It) i111,00,1. tn,rw. How did you Calodate tla nterest ChaineT 1211, um a 11,40,1 atrial Amnia, inaily Fiakarra iiihIming new tirdm Fhb 10,1,...1, vat limr. 15ktrim,: tar -it: iirgirmt. ukir ta.irimang 0113 ;III III 110, 11 1.010-.P.1.00 CHID hniali: 410110.1 bitt 31; rim pairiain dayi5 bit:;:.., lull 11,1t110.0 pyrrimrh and Ma 559riant . .1144:1 4') Tha 0.0.111 III,,d,,i!y halm, tat Dana inzirrairt. Hawawl'. it ipu pad push.. annthh ta1510.C., i11 a yam taro, rani era A miit nava EimmarAD sahnh C:DDC DAM., as asmialime5Natia reD11,111. 1,01 WC. Allad Tata May tn.?... Alm earnintram Pm it::., Fullaata a -grim, ma DA ad1511-a 4, 59w teach to Did yin, Ayiaaha furry Fialame 1: add tha diary Da:oh. 4' AM, tar amh m -arrant, aril A livid, Da surc ty du FUJI rher A dry, in dm Diana 541im U,7: and A mrattilana -mr.i11 ran latartrina 34,141 :1311.10. '11 0,141y p1.11Avaragri 41-117 0411: 511:diary saihr.5 ; :4141 lay 35511A thA 45-,ari ma. mil 2/ truitich; du lama ty imi t Fs D. :MA ta, Dmiud. Loa Ii:):- DI , :':,o', U', It Pcit 5alarrarian ?ay wry IM11001 i10'0,4 almaa aisaiiad. Is the ?Pair_nent Doe a_lvoff Arrerunt? lin All '7 it arcannti am amid an the data 44,4 .:it '1071 140.00 011, ham., 1'' 1, I ham. and Ahm Mama, rip1 51mh. Iran m 15y I pan1511I pie ar ADD, ,9100 14.111' 100,1)111 01, it Tau py may p.1 10.0; DI, 011,04 14...101 in this 4:'.Ii 11,401...1.1.101111 might still hass halathe It i4,UI4,t.i.11 Ak, MA, TIM ','10u nay lain maar 'ran u ihipriaa pm•ant III, '-:1 Fleas, Ali dm mart aa It, 11,10 It CM atatarrint Ii, 54,1 pp? mama How can my Variable Annual Pementaue Rate (APR} change? ?au: Kb way itr.11;10.01: DI :Dam?, Inumt DI am PT:5t?l n1liortaa in The 4.4.0i .reet 2111, - I'. IJ find winch 1,00..1 1:1 4:11: inniunt. Ink! ;.1 1.111 .110 11,10 D1 1.415 ADC:110,00.10110 Ct. Mari Mmktha 4.,k10 LAD, Code next to your APRix) How down catollate your APR(s)? index a- margin (previously disclosed 10 4004 When your APR(ti will thange P L Pin, Fra, 101.1101 1IDI all LIF:aR 1101110 1110 lira i,y X ate .t ill ina Fla iaJ, th,a and in Mi.. Apri. July, and at. fr F 4141: 41, rrisairi 1 ir DID crE5A 1,01.1 Tha MO day art ,:.h 11,,11,11141Itillittit F000D. An. lb Artilitiotiet on.ansoduteil with toy amount? 71111, It:::: 41, 51.1:55, IIDy 01, lIPewl.elax,ti :i10; way -FIFD to 100000,001 414 lam? 5,1;115,1 ty ki.a. 0 it, b 1,....14,9 010;0 DC 1.01.0t1c.D11,11.,,1111 ,40110,01, 1,0:00Dit, .1,1 mat 5.12 5411555 I.. J000 041 01..0171.0 I'D 411,1'7 ,101.1.11110.WI-: :r 00c• :141111) :111 1.0,01101 Thr,01 :041:a Ow rip: 1.1 arrikar Da rata. VThnt happens it hai ACAOtint 5 5usmnd.:4? T.. It 41 Lit. u, FIP411.107 aDa aamira ram 11:)MM Diaain n5dit A my don and far any .0,10.111, ,001 CI vt.., ma nit in datnak iMmula iimipar ?ion Dr. kr pur arina3111rprary. It In it,',, -1010 :17:0:11 . -0.00011:1 4,0 D'Irct cc .5;4 13,irri: pin nail .d and amuunt. amml 01104-0010, °,111'011ti, ,jc,..0.1,7 II110110,1D, Ad mama 7.11a5415. it 41 py I arraisa" y -Ar .InI' 01, aya. th5y van, 1110ra51 AM, 015 immunt ,a5:155,1 F.11.1:rd.,1. How tin I Make Payments? At ,aI.; 5,17 -u:: Cra unpil haarrai, DI D10,,10.1,1C 5010,:10. tray ta ir ada in msaral 11 51elina Cy 3 t341.I%nsamiatabriaamr ID;m1ma kt., 1: 544.- thy duirir 1-52.1.ha5S-Thn and Dr:arnica thr vai:a 1111 441 ihhan :an wahai a ra!,??5:11. Pa. air DUI rasparna ,wteu yau ,ufnxiee . fa DI 11000,04, i,..71-010 [IPA 01; 10t nair pta Intik palm. FWIth, al. C5 saiddiau. Iron pro tank Mtt.1104 as ',DP 1111 1.11 ,?'-r0ii01.1 301 11, 411,0r, i51.515.455rx.: arat 04301leg 0,10 1431:. 113::I inn I'll-' ilhal.: ?JP/anat. ty mail Marla Dr Yeta iDuc..iieD. drat:am- pia. A Dia II' '111 0h2 13 When will you Credit Me Pawl -fwd.? • Fui t0,1 CPC 1A ihD 1.1101111.0 45700 rm5iirr ir, liana L, y ark ,10.7.1 hy 5 pr. ET. • F ar pyrrmak as 441a tuall,K, .11.0, VI !native it10 lona you W.Ill till II V.101101 DI ,711,1,11 001 111D in manablu, U n yam 4 >1 011 ImaisI it, ii: ittor 414hailwri :011, ty 4': IAA taro. Pim, ra Dast ihr Duni.? lay? 1,1 0,01 Maial-'1 re- arrid?.y tu at any athai 11 .11 !Air hay twit. redirral ',1t4 the 15y Di- hire Itihr. On you Process Paper Checks as an fIectronic Funds Tranot rI Pap,* i,,It te pateiwdf, ane tv.b vxwx 'Ate,t yaurrainda 5hmk armh intim atair on*, cammit, you antra.a re, in inharratnin inn A, a Au tura 051-10a,OrMait ADP Amhara, lurid anular miault Yi*? 151,2 -*111 Ill iiiruntaarial 1,4_n:''d1 . pip ma a 055k hanimlial ' What if I file fur klarianotcy? It pu am mnidal ICankarray pate.dark marrunim1Mi 1,1 rittarnation only. it r5 tor an Mar ralit5:4151..55. DI 1 , "Pit0,1,1 5,1 1.01,011:i 1.117111441 kill yam tinikarcty _laa: the hankrochy II rin ar yam alarnr; mamt am tar rkruTtA J4-kr5 010'Dit1.0117, pint0 n.inia.15- :AAA hara • fr.) EM is.32S,1,,ke 04:1001 2 BILLING RIGHTS SUMMARY D1itis ravi Apply To Sr nu!! BLE.fnell What To Du If You Think You Find A Mistake On Your Statenient: II you 414:44 141 D air 01,1 114::: Fbatip vain, ta 414:1:1 Dna 413110 32:255 Sat LaD 2:4). in" ill.5121..:22.5.5 hi put MDT lArairvihh • haiamid int, a adDcahur i4'Jut 10,111.tD1. 110 411, 141-1,11.0 W10.0.011 ,1101. • 41...c0i114 11 II 41,0°11- It '1°,11 NO: ill, is 11 01:11 lanaite 1.11.4 r,01100, I V.10.01.4 .011 mhy ipu 1:5115, it a irialkah Y,u tr. tvl C4111K1 ONO art,' It, 5 r IA 144 .17:011 DI Tarr 411,11411. 'Mu ?ma roan; A Ars vatantral 11 VD'ail %%PI rrly a? -A nulaysia aharanhaily. tot it 01: 10110.0D PJ 111,,tpa. 17 1:1014111 rair may ham 1.4 pIt arrnara -arrintraik 'ill 1111;t7 cp14 1111.11511 0.1411 lay? A Jul 1,i1. I TAR WIt:I0.01 a: not ihma h. D.. an arm, thir toliawina .5 tm: mmiat miry:ilia Durrr arla51411.. ,I,Iimppn DI1 D11,1 car omit. .lIt Maga it: quantim tray ramain 01. pct. tilatair ant. mil ihia hay...Aran. ta Marim yin irearina an MA or AAA but.? vs 1111,1:7,444,01 rrate rrioak5,aam Marna haw 114,514II .11,1411 :{tr,....stiw ar anyiremen ndoir 11,01 01.11,1 11,11,t Mill 1 ,1 11;A hamlit m It' anuunt III 4 -hat midi as sand pu n Aim annit die auhurra A our nwMaylinn, yDu ara 1,,pruitlaI., the 1011,1i11,0 .14 44! Ltitixe. - ten wxly any 000 111.111JUl14:01:4713 V dap -.4 nit:: .01,4:t DI 10,t01. sari snip. 1011101.110.1 1111, ;0.1 app. .015111 ciiirmit) 115 It -I: Wate tit tanett. Your Rights It You Are Dissatisfied 504th Your Credit Card Proxima, II ipu .5 1',-,: :01 watt nte pad, al Fer,:itwilwt !pa hx, px:J.-11,1 with ,'it ham Ora 41 4 -Ail hada ta mita:TOD Fiatinr snah Ma 10,y harp nut ta pay VD naraining 10 01.11,11,101, 1A1,bin 04114. 111 14:041 40 IC 1,1 110, haw urad ihan :Fall ma tar du imialum, PAM.. nada sarh:aihr don1 . tram an ATM nr cAzi) MaakIll.,1,..,"'4.-u' :141.44DI11 Y11 1,01 11:0 104 CPA, Cal D-0.1 101 #1.0 41' II.: it ? tt :1 0P111 ui 11 .110 10,, mil ianr. irr.5 Ara lismanliiin 91011 111 rmnham. airita IL:.:',"11 tt-0,..11 Pa. EA :1:12 P5 Able Art 11nur1t145ta, tha :1104 1' 4131 4.' liyinettid arr aura 5s 10010.,1 410, 111100 1' 010,01 4111.1 0, V,uMP,11 At tea pint, it we ttil:pu tac, vta.:1..) rot py we ,prt ytti '1-110,11 III FuhpartF Mout ation p ram y 0111 cta.t.citc.:a shiinvarmicalanniarir C'?51 1 2.i.rpit11ari.:vpk,1:111, 10111.0.:01 Pt-P:110D it'll:'01t +VI 1 irx-.itt To change or update your address please call 1-800-258-9319 or visit www.capitalone.comisolutions 200985 You have new payment opportunities available. Your account works differently now that it's 7 payments behind and has charged off. Dear Valued Client, You need to know about important changes to your account now that it has charged off. You are still responsible for paying the full balance on your account. If we continue to send you statements, you will receive them quarterly instead of monthly. We may continue to report the status of your account to the credit bureaus, unless prohibited by law. We will also report when your account is paid off. Help is available. The changes to your account include new payment opportunities that may not have been available before. Please review these important changes: 1) Your account is charged off. This is a change in status from past due. You are still responsible for paying your full balance. 2) You won't be charged past due, over limit, or membership fees. 3) You have new payment opportunities available to you now. For instance, we may be able to break your balance up into more manageable payments. Please contact us today at 1-800-258-9319 to find out more about these new opportunities. If a third -party agency is servicing your account, your call will be automatically routed to them. Remember, you can check your balance and make payments any time at www.capitalone.com/solutions. Sincerely, Your Solutions Team Help is available. gCall 1-800-258-9319 today for more opportunities. 2 Visit www.capitalone.com/solutions to make a payment or check your balance. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), : NA Plaintiff : vs. MARGARET LORI Defendant : CIVIL ACTION NO: 13-2007 Fr 1 nI - o���ce oF� gloorktii- Ate( CtokivAtfici 64-04,17 CERTIFICATE OF SERVICE I, Scott J. Best, Esquire, hereby certify that I caused a true and correct copy of the Plaintiffs Amended Complaint was served via first class United States Mail, postage prepaid on the date set forth below upon the following: Robert Klingensmith, Esquire Harold Shepley & Associates 209 West Patriot St Somerset, PA 15501 Date: 9/25/14 BY: Ed nA. Michael . Ratchford, Esquire Scott J. Best, Esquire Attorney I.D. Nos.: 86285, 93600 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 a;JOS & - ssociates, P.C. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. MARGARET S. LORI Defendant • CIVIL ACTION -LAW NO: 13-2007 PRELIMINARY OBJECTIONS .• TO AMENDED COMPLAINT Filed on Behalf of Defendant: MARGARET S. LORI Counsel of Record: Robert D. Klingensmith, Esquire PA I.D. # 313960 HAROLD SHEPLEY & ASSOCIATES, LLC 209 West Patriot Street Somerset, PA 15501 (877) 827-9006 (814) 445-3976 (fax) rklingensmith@shepleylaw.com IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. MARGARET S. LORI Defendant CIVIL ACTION -LAW NO: 13-2007 DEFENDANT'S PRELIMINARY OBJECTIONS PURSUANT TO PA.R.C.P. 1028 AND NOW, comes the Defendant, Margaret S. Lori, by and through her attorney, Robert D. Klingensmith, Esquire of Harold Shepley & Associates, LLC, and files the following Preliminary Objections to Plaintiff's Amended Complaint: 1. Plaintiff filed an Amended Complaint in Civil Action against Defendant demanding damages in the amount of $2,394.38. 2. Plaintiff's Amended Complaint fails to conform to law or rule of court under Pa. R.C.P. 1028(a)(2) 3. Plaintiff's Amended Complaint contains insufficient specificity in its pleading under Pa.R.C.P. 1028(a)(3). Objection I Pa.R.C.P. 1028(a)(2) 4. Pa.R.C.P. 1024(c) requires that all pleadings setting forth allegations be verified by the pleading party. 5. In the instant case the copy of the Amended Complaint that was served on the Defendant is un -verified. 6. Therefore, Plaintiff's Amended Complaint fails to conform to law or rule of court under Pa.R.C.P.1028(a)(2). WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file a Second Amended Complaint or dismiss this action with prejudice. Count II Pa.R.C.P. 1028(a)(3) 7. Pa.R.C.P. 1019 (a) requires that the material facts on which a cause of action or defense is based shall be stated in a concise and summary form. 8. Pa. R.C.P. 1019(0 requires that averments of time, place and items of special damages shall be specifically stated. 9. Plaintiff in this matter claims that the Defendant opened and used a credit account issued by Plaintiff. 10. Plaintiff has failed to attach the account statements to the Complaint that show the transactions and purchases for the alleged account. The earliest statement attached to the Complaint is from May of 2011 and shows a balance of over $1500 dollars. The account was allegedly opened in November of 2008. Therefore almost three years of statements showing how the balance grew is not attached. 11. The Complaint has failed to plead the various transactions and purchases which resulted in the alleged debt due. 12. Pursuant to Pa.R.C.P. 1019(0 Plaintiff has failed to provide information of the time and places any items were allegedly bought on the credit card. 13. By failing to include documentation of what items were purchased, when those items were bought and the amount of each purchase, Defendant is unable to ascertain the validity of the amount owed on the account. 14. Plaintiff has also failed to provide documentation of any cash advances made by Plaintiff. 15. Plaintiff has failed to provide a concise summary of the payments made by the Defendant on the alleged account, including proof of last payment. 16. Furthermore, Plaintiff basis its claim on an alleged agreement. 17. Plaintiff has failed to specify whether the attached agreement is the original account agreement. The agreement is dated in 2010. So it is assumed the attached agreement is not the original, especially since the Plaintiff claims the account was opened in 2008. Plaintiff must provide the original agreement and all amendments to any such agreement, or provide a reason why the original agreement is and all amendments to said agreement are not accessible and set forth the substances of the writings (Pa.R.C.P. 1019(i). 18. This lack of a writing is not sufficient under Pa.R.C.P. 1019(i). 19. As a result, Plaintiff's Complaint contains insufficient specificity as required under Pa. R.C.P 1028(3). WHEREFORE, Defendant respectfully requests that the Court order Plaintiff to file an Amended Complaint or dismiss this action with prejudice. Respectfully submitted, Robert D. Klingensmith, Esquire PA I.D.# 313960 Harold Shepley & Associates, LLC 209 West Patriot Street Somerset, PA 15501 Attorney for Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. MARGARET S. LORI Defendant • CIVIL ACTION -LAW NO: 13-2007 • • CERTIFICATE OF SERVICE I served these Preliminary Objections and Brief in Support of Preliminary Objections by U.S. Mail, postage prepaid, at 120 N. Keyser Avenue, Scranton, PA 18504 on Michael F. Ratchford, Esquire, the Attorney for the Plaintiff, Capital One Bank on October 16, 2014. I declare under penalty of perjury that this information is true. Date: October 16, 2014 Server's Signature Gretchen Files — Legal Assistant Printed Name and Title Harold Shepley & Associates, LLC 209 West Patriot St. Somerset, PA 15501 Server's Address IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (U.S.A.), N.A. Plaintiff v. MARGARET S. LORI Defendant • • • • • • • • • • • • CIVIL ACTION -LAW NO: 13-2007 Order of Court On this day of , 2014, upon consideration of defendant(s)' preliminary objections, it is hereby ORDERED that plaintiff(s)' amended complaint is stricken. Plaintiff(s) is (are) granted days leave to file a second amended complaint. If the plaintiff(s) fail(s) to file a second amended complaint within days of the date of this order, upon praecipe of defendant(s), the Prothonotary, shall dismiss the case with prejudice. BY THE COURT J. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A., vs. MARGARET S LORI, : CIVIL ACTION Plaintiff : : NO: 13-2007 Defendant : PLAINTIFF'S RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS Plaintiff, CAPITAL ONE BANK (USA), N.A., by and through its attorneys, Abrahamsen Ratchford, P.C., responds to Defendant's Preliminary Objections as follows: 1. Admitted. 2. Denied. The allegations of Defendant's Preliminary Objections are conclusions of law, which are deemed denied. To the extent a further response is deemed necessary, it is denied that Plaintiff's Complaint fails to conform with the applicable Pennsylvania Rules of Civil Procedure in any manner. 3. Denied. The allegations of Defendant's Preliminary Objections are conclusions of law, which are deemed denied. To the extent a further response is deemed necessary, it is denied that Plaintiff's Complaint fails to conform with the applicable Pennsylvania Rules of Civil Procedure in any manner. 4-6. Denied. The allegations of Defendant's Preliminary Objections are conclusions of law, which are deemed denied. To the extent a further response is deemed necessary, it is Admitted that Plaintiff's counsel verified the Complaint, however, a "court confronted by a defective verification should grant leave to amend before dismissing the petition" Monroe Contract Corp. V. Harrison Square, Inc. 405 A.2d 954, 959 (Pa. Super 1979). Additionally, it is Plaintiff's position that a verification requirement should not be transformed into an offensive weapon designed to strike down an otherwise valid petition. See, Opinion of The Honorable Harry M Ness in Discover Bank v. Angela Sue Rauhauser, York County C.C.P. Civil Action. Plaintiff will provide a verification within the 30 days set forth in its proposed order. 7. Denied. The allegations of Defendant's Preliminary Objections are conclusions of law, which are deemed denied. 8. Denied. The allegations of Defendant's Preliminary Objections are conclusions of law, which are deemed denied. 9. Denied. Plaintiff's Amended Complaint is a writing which speaks for itself and any characterization thereof is denied. To the extent a further response is deemed necessary, Plaintiff admits that its claim is founded in breach of contract for a defaulted credit card account. 10-15. Denied. The allegations of Defendant's Preliminary Objections are conclusions of law, which are deemed denied. To the extent a further response is deemed necessary, Plaintiff denies that its Complaint fails to satisfy the Pennsylvania Rules of Civil Procedure in any manner, and particularly not as alleged by the Defendant. To the contrary, Plaintiff set forth the amount due, and attached statements for defendant's account demonstrating that amount due. Defendant has independent, personal knowledge of whether she utilized the card, incurred the balance alleged, and whether the balance averred by Plaintiff is accurate so as to be able to respond intelligently to the allegations of the complaint. Since the account statements may be of an evidentiary value to the Defendant, they may be requested through discovery. However Plaintiff reminds the court that it need not plead evidence, and because of this, "a party is not entitled to the most specific pleadings, but rather only a pleading that sets forth the material facts upon which a cause of action is based." Bloomsburg Mills, Inc. V. Sordoni Construction Co., 14 D&C 2d., 551 (1957). Finally, Pa.R.C.P. 1019(f) does not apply to this action, as Plaintiff does not seek special damages, those which require greater specificity in pleading. Instead Plaintiff seeks only those general damages that are usual and ordinary in terms of a breach of a credit card contract. Nor does 1019(f) provide that all documentation, including a breakdown of charges, payments, and interest is required. 16-19. Denied. The allegation of Defendant's Preliminary Objections are conclusions of law, which are deemed denied. To the extent a further response is necessary, Plaintiff denies that the Complaint is deficient in any manner, and particularly not as alleged by Defendant. To the contrary, Plaintiff set forth with particularity the amount owed, the date the account became delinquent and Plaintiffs right to collect the debt and attached the cardmember agreement which is the writing under Pa.R.C.P. 1019(i) that governs the parties' agreement, and statements demonstrating purchases and payments on the account over several months thereby accepting the terms of the contract. Such allegations satisfy the Plaintiff's pleading burden as confirmed by the Superior Court in Discover Bank v. Stucka, 2001 WL 5517050 (Pa. Super. Ct. Nov. 14, 2011). Any prior version of the Agreement was replaced and superceded by the Agreement attached to the Amended Complaint, and do not have any bearing on the balance being sought in this matter. Additionally, any pertinent changes, ie interest rate and other fees charged, are set forth on each monthly statement, and were accepted by Defendant by and through her use and payment on the account. Should Defendant need to see the terms of any prior agreements, they can be requested via discovery, but they are not required for her to respond to the complaint. WHEREFORE, Plaintiff respectfully requests this Honorable Court to deny the Defendant's Preliminary Objections and such other relief this Court deems just and equitable. Respectfully submitted, BY: Abram ' atc ord, P.C. Michael F. Ratchford, Esquire Scott J. Best, Esquire Attorney I.D. Nos.: 86285/93600 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A., vs. MARGARET S LORI, : CIVIL ACTION Plaintiff : : NO: 13-2007 Defendant : PLAINTIFF'S BRIEF IN SUPPORT OF ITS RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS Plaintiff, CAPITAL ONE BANK (USA), N.A., by and through its attorneys, Abrahamsen Ratchford, P.C., submits this brief in support of its response to Defendant's Preliminary Objections and avers the following in support: I. STATEMENT OF THE CASE Plaintiff filed a Complaint, sounding in breach of contract, against Defendant in regard to Defendant's failure to repay a credit card account. Plaintiff's Complaint had attached to it the cardmember agreement upon which the breach of contract action is based, and which governed the account at the time it went into default, and statements relative to Defendant's account. Defendant filed Preliminary Objections to the Complaint in which Defendant improperly claimed that Plaintiff failed to set forth allegations of a breach of contract with sufficient specificity, failed to attach the necessary documentation, and was improperly verified. A review of the Complaint shows that Plaintiff sufficiently averred that the Defendant has entered into a legally enforceable contract, and then breached that contract, in that it has alleged that Defendant applied for and received a credit card, Defendant's use of the credit card to charge expenses accepted the contract, her subsequent failure to repay the debt and the general damages suffered by Plaintiff. The Pennsylvania Superior Court in Discover Bank v. Stucka, 2011 PA Super. 241 (Pa. Super. Ct. Nov. 14, 2011), held that such allegations and attached documentation satisfy the Plaintiff's pleading burden. II. QUESTIONS PRESENTED 1. Did Plaintiff sufficiently set forth the allegations establishing Defendant's breach of contract? Suggested Answer: Yes 2. Should Plaintiff be permitted to provide a verification to its Complaint without the Court dismissing the complaint itself? Suggested Answer: Yes III. LEGAL DISCUSSION Pennsylvania is a fact pleading jurisdiction, requiring the parties to set forth with specificity those facts upon which a cause of action relies. Pa.R.C.P. 1019. A complaint therefore must do more than "give the defendant fair notice of what the Plaintiff's claim is and the grounds upon which it rests." Smith v. Wagner, 588 A.2d 1309 (1991). A complaint should withstand a challenge if the complaint apprises the defendant of the nature and extent of the Plaintiff's claim so that the Defendant has notice of what the Plaintiff intends to prove at trial and may prepare to meet such proof with his own evidence. Weiss v. Equibank, 460 A.2d 271, 274-275 (Pa. Super. Ct. 1983). When considering preliminary objections, the Court should accept as true all material facts set forth in the complaint as well as all inferences reasonably induced therefrom. Feingold v. Hendrzak, 15 A.3d 937, 941 (Pa. Super. Ct. 2011). Therefore, Preliminary Objections which result in dismissal of a claim should only be sustained in cases free and clear from doubt that no cause of action can be established. That is not the case with the matter before the Court. In determining whether the allegations of a complaint have been stated with the necessary specificty, the court should not focus on one paragraph of the complaint in isolation. Yacoub v. Lehigh Valley Medical Associates, 805 A.2d 579, 588 (Pa. Super. Ct. 2003). It should instead, examine the paragraph in the context with all other allegations in the complaint. Rachlin v. Edmison, 813 A.2d 862, 870 (Pa. Super. Ct. 2002). With regard to contract actions, the complaint must allege that there was a contract, the defendant breached it, and the plaintiff suffered damages from the breach. McShea v. City of Philadelphia, 995 A.2d 334, 340 (Pa. 2010). Our Supreme Court has consistently held, "[t]he law of this Commonwealth makes clear that a contract is created where there is mutual assent to the terms of a contract by the parties with capacity to contract." Shovel Transfer and Storage, Inc v. Pennsylvania Liquor Control Bd., 559 Pa. 56, 62-63 (1999). As a general rule, signatures are not required unless such signing is expressly required by law or by the intent of the parties, which is not required in terms of credit card agreements. In terms of credit cards, a contract results only when the cardholder accepts the offer by using the subject credit card. 47 C.J.S. Interest & Usury, §524(2009), See, Perry v. FleetBoston Financial Corps., 2004 WL 1508518 (E.D.Pa 2004)(use of the card manifested assent to the contractual terms). Pennsylvania courts have held that the use of a credit card indicates an intention to pay for th purchases, stating "a credit card holder's use of his credit card is considered to be am implied representation to the credit card issuer that the holder has the ability and intention to pay for his purchases, upon which the issuer relies in extending credit." In re Bellesfield, 41 B.R.729, 732 (Bankr.E.D.Pa. 1984). In the present case, when the complaint is viewed in its totality, Plaintiff has more than adequately pled all pertinent facts of its case including the existence of the contract, default of the obligations set forth in the contract, and the amount outstanding as a result of that breach. Plaintiff has supported its pleadings with documents required by the PA Superior Court. Based on the information alleged in the Complaint, Defendant, who has better knowledge of the details regarding his use of the account over 4 years, should be able to admit or deny whether she ever had a card with CAPITAL ONE BANK (USA), N.A., whether she ever used the card, whether she defaulted on payment of the card, and whether she ever made payment on the balance due. If she feels that he needs to research every charge she made over the life of the card, she may do so in discovery, but it is not necessary for Plaintiff to set forth those allegations in its Complaint. A. PLAINTIFF'S ALLEGATIONS SATISFY THE REQUIREMENTS OF PA.R.C.P. 1019 Defendant argues that Defendant failed to attach a writing in violation of Pa.R.C.P. 1019. Plaintiff set forth its cause of action in summary form, as required by Pa.R.C.P. 1019(a). Based upon the decision of the Superior Court in the case of Discover Bank v. Stucka, 2011 PA Super. 241 (Pa. Super. Ct. Nov. 14, 2011), the statements attached as Exhibit "B" and the cardmember agreement attached as Exhibit "A" to its Complaint satisfy the pleading requirements of Pa.R.C.P. 1019(i). The attached documents are those upon which the claim is based. Use of the account, as expressed in the statements, is itself the acceptance of the terms and conditions of the of the agreement governing the account. A signed document is not required, nor is it necessary. In Atlantic Credit and Finance Inc v. Giuliana, 829 A.2d 340 (Pa. Super. Ct. 2003), the Superior Court stated that the Plaintiff must attach a cardholder agreement and a statement of account showing the outstanding balance due. The Superior Court in Stucka, has refined the holding in Giuliana with regard to the requirements of Pa.R.C.P. 1019(i) and collection actions. In Stucka, the Superior Court specifically rejected the defendant's argument that a signed cardholder agreement or application must be attached to the complaint, and instead found that the unsigned cardholder agreement along with statements were sufficient to proceed in a breach of contract action for collection of credit card debt. Plaintiff respectfully submits that at this stage of litigation that it has complied with the requirements of Rule 1019(i). The question before the court is whether the Plaintiffs complaint informs the defendant with accuracy and completeness of specific basis on which recovery is sought so that she may know what grounds to make his defense. Rambo v. Greene, 906 A.2d 1232, 1236 (Pa.Super. Ct. 2006). For the reasons set forth above, Defendant has ample information to prepare her defense and answer Plaintiff's Complaint, either admitting, denying, or stating that after a reasonable investigation that she is without knowledge or information sufficient to form a belief as to whether: she opened a credit card with Plaintiff; used that credit card; stopped making payments on the credit card as of the date set forth in the Complaint; and that there was a balance due when she stopped making payments to Plaintiff Defendant has personal knowledge of whether she agreed to issuance of the credit card, whether she used the credit card, and whether she made all payments required, and should therefore be able to answer Plaintiffs Complaint as currently set forth. Further, it is unnecessary for Plaintiff to attach all variations of the contract as they have been replaced by the terms and conditions attached to the Amended Complaint, rendering them irrelevant. This is further the case if no purchases upon which Plaintiffs cause of action rely were subject to those original terms and conditions. B. PLAINTIFF'S ALLEGATIONS SATISFY THE REQUIREMENTS OF PA.R.C.P. 1028(a)(2) Pennsylvania Rule of Civil Procedure 1028(a)(2) allows for a party to file preliminary objections to a complaint based upon failure of a pleading to conform to law or a rule of court. Plaintiff complied with all requirements and rule of court by referencing the date on which Defendant's account became delinquent. See Complaint. Further, Plaintiff noted the amount due from the Defendant and attached monthly statements setting forth and supporting the claim for that amount due. See, Plaintiff's Complaint. Plaintiff also attached a copy of the cardmember agreement, which is the writing that governs the parties' relationship, along with statements setting forth the balance due. Such allegations satisfy the Plaintiff's pleading burden. The court in Marine Bank v. Orlando, 25 Pa. D & C.3d 264, 265 stated that "the primary function of pleadings is to form the issue and to restrict the proof of trial to those issues." In this matter, Plaintiff's Complaint clearly and unambiguously sets forth that Defendant opened the account with and was assigned account number ending in 2299. See Plaintiff's Complaint. Further, Plaintiff alleged that the cardmember agreement related specifically to Defendant's delinquent credit card was attached. Moreover, the Complaint sufficiently set forth that the Defendant defaulted on her account by failing and refusing to make payments as they became due, alleged the specific date on which the account became delinquent, the balance outstanding, and attached documents supporting these allegations. This information is sufficient to put Defendant on notice of the claims against which she will have to defend. The statements attached set forth the balance due, and incorporates all prior, purchases, charges, etc., which she had the right to dispute within 60 days of receipt of the statement pursuant to the Fair Credit Billing Act. Again, if Defendant does not recall having a CAPITAL ONE BANK (USA), N.A. account with the alleged balance due, she can simply deny that allegation of Plaintiff's complaint. Plaintiff need not plead evidence, or prove its case in its entirety, at the pleading stage of the case. Finally, Defendant states that Pa.R.C.P. 1019(f) requires that items of damages be pled with specificity, and that an unbroken chain of statements are required by the Rule. First, Pa.R.C.P. 1019(f) provides that "averments of time, place and items of special damages shall be specifically stated." However, the Pennsylvania Supreme Court has distinguished general damages from "special damages" finding that special damages are those that do not arise from the usual and ordinary consequences of the wrong done, but instead depend on special circumstances. Commonwealth Financial Systems, Inc v. Reeping„ slip op. 288 CIVIL 2009 (Pa. Corn. P1 Somerset Cty. 2010), citing Parsons Trading Co v. Dohan, 167 A. 310, 312 (Pa. 1933). General damages may be proved without being specifically pleaded, the averment of facts showing the wrong done being sufficient to entitle the plaintiff to establish them. Id. Plaintiff in this case does not seek special damages, instead seeks only general damages, those that are usual and ordinary when a person uses a credit card and stops making payment on the balance due. The Court of Common Pleas of Adams County in Atlantic Credit and Finance v. Spangler, 13 Pa.D.&C. 5th 339, 343 (2010), and many other jurisdictions have rejected the notion that Pa.R.C.P. 1019(f) applies in collections matters, and have found that the "plaintiff need not recite the details of every purchase and account transaction in the complaint itself, [but] plaintiff must allege sufficient detail (and attach sufficient documentation) to apprise defendant of the basis for Plaintiff's demand." See also, Opinion of The Honorable Albert Masland in American Express v. Hench, Cumberland County C.C.P. Exhibit "A." These courts have found that there is a reasonableness to pleading requirements, and requiring every charge or payment over the life of the card, especially when the defendant used the card over a period of time, to be unreasonable, and not required by any rule of procedure, including Pa.R.C.P. 1019(f). Many of these courts have found that Pa.R.C.P 1019(f) to be inapplicable to collection actions because Plaintiff seeks only general damages, based entirely on an unpaid balance remaining on a credit card account, and therefore do not require the specificity of 1019(f). Additionally, because evidence may not be plead, "a party is not entitled to the most specific pleading, but rather only a pleading that sets for the material facts upon which a cause of action or defense is based. Bloomsburg Mill Inc. v. Sordoni Construction Co., 14 D&C 2d 551 (1957). Where the facts lie in the knowledge of the defendant, as much or more than in that of the Plaintiff, the same specificity in pleading is not required. Id In this case, the Defendant should know whether she had a CAPITAL ONE BANK (USA), N.A. credit card, whether she used that credit card, what purchases were made, and what the balance due was when her account was closed. If required to plead time and place specifically, if even possible, given the possibly hundreds of transactions over the life of a credit card, Plaintiff would be pleading evidence. Unviersal Film Exchanges, Inc. v. Hirsh, 21 Pa. D.&C. 2d 154, 157 (Pa. Com. Pl. 1960). Stating the material facts in concise and summary form as required by Pa.R.C.P. 1019(a) precludes the pleading of evidence. Plaintiff's Complaint conveys to Defendant the nature of its claim, and the extent of its claim. Defendant therefore is manifestly advised of that which is the basis of the action and that which she will be required to explain or deny. The averments of Plaintiff's Complaint are sufficient to render Defendant fully capable of preparing her defense. Any further specifics may be obtained via discovery. Therefore Plaintiff disagrees with Defendant's assertion that Pa.R.C.P. 1019(f) requires uninterrupted chains of account statements to satisfy the rules of procedure as neither the Rules of Court, nor the relevant appellate cases require said documentation or pleading C. VERIFICATION As set forth in Plaintiff's Response to Preliminary Objections, Plaintiff does not believe that failure to attach a non -conforming verification pursuant to Pa.R.C.P. 1024 is fatal to an otherwise valid complaint. Plaintiff will provide a substitute Verification, signed by a representative of Plaintiff, within 30 days of the date of the entry of the Order. IV. CONCLUSION Defendant's Preliminary Objections should be denied. The allegations of the Complaint sufficiently set forth the account number, the date the subject account became delinquent, and the total amount due and owing. The totality of Plaintiff's Complaint more than adequately puts the Defendant on notice of the claim being brought against her and gives her a sufficient factual basis to formulate a defense. WHEREFORE, Plaintiff respectfully requests this Court to deny Defendant's Preliminary Objections and Order Defendant to file an Answer upon the Plaintiffs filing of an Amended Verification. Respectfully submitted, BY: Abrahamsen Ratchford, P.C. Michael F. Ratchford, Esquire Scott J. Best, Esquire Attorney I.D. Nos.: 86285/93600 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 AMERICAN EXPRESS BANK, FSB PLAINTIFF V. : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA CRAIG HENCH, DEFENDANT : 09-7570 CIVIL TERM IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS BEFORE HESS, P.J. , OLER, J. AND MASLAND, J. OPINION AND ORDER OF COURT Masland, J., October 5, 2010: -- Before the court are the preliminary objections of Craig Hench, Defendant, to the amended complaint filed by Plaintiff, American Express Bank, FSB. For the reasons stated briefly below, Defendant's preliminary objections are sustained. This is a collections matter arising from an allegedly delinquent credit card account. Defendant objects to the adequacy of Plaintiffs amended complaint on the grounds that Plaintiff has failed to plead its case with sufficient specificity and that the amended complaint is improperly verified. Defendant first argues Plaintiffs amended complaint is not sufficiently clear to enable him to prepare a defense. He contends Plaintiffs failure to articulate the legal theory underlying its claim against Defendant justifies the granting of a demurrer and striking of the complaint. We disagree. Plaintiffs amended complaint is admittedly sparse. However, we conclude it contains sufficient pleading to establish its claim against Defendant. The 09-7570 CIVIL TERM amended complaint makes it clear that this is a credit card collection matter arising from the breach of a written cardholder agreement, a copy of which is attached to the pleadings. A complaint in debt collection filed against a credit card debtor must, at a minimum, include a copy of the relevant cardholder agreement and a statement of the account to substantiate the amount allegedly owed. Atlantic Credit and Finance, Inc. v. Giuliana, 829 A.2d 340 .(Pa. Super. 2003). As Plaintiffs amended complaint contains both these documents, Defendant's objection to the sufficiency of the specificity of the amended complaint is overruled. We next address the verification issue. Plaintiffs amended complaint is not verified by a party to the cause of action, but by Plaintiffs attorney. Rule 1024(c), states: The verification shall be made by one or more of the parties filing the pleadings unless all parties (1) lack sufficient knowledge or information, or (2) are outside the jurisdiction of the court and the verification of none of them can be obtained within the time allowed for filing the pleading. In such cases, the verification may be made by any person having sufficient knowledge or information and belief and shall set forth the source of the person's information as to matters not stated upon his or her own knowledge and the reason why the verification is not made by a party. Pa. R.C.P. No. 1024(c) (emphasis added). Here, Plaintiffs amended complaint is verified by its attorney without providing any explanation for why the verification is not made by a party. As such, the verification is deficient and Defendant's preliminary objection is sustained. The court grants Plaintiff leave to file a legally sufficient second amended complaint within 30 days of this opinion -2- 09-7570 CIVIL TERM and order. ORDER OF COURT AND NOW, this day of October, 2010, Defendant's preliminary objection to. Plaintiffs amended complaint is SUSTAINED. The court grants Plaintiff leave to file a legally sufficient second amended complaint within 30 days of this order. By the Court, Albert H. Masland, J. Benjamin J. Cavallaro, Esquire For Plaintiff Peter Russo, Esquire For Defendant :saa AMERICAN EXPRESS BANK, FSB PLAINTIFF : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA CRAIG HENCH, DEFENDANT : 09-7570 CIVIL TERM IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS BEFORE HESS, P.J. , OLER, J. AND MASLAND, J. ORDER OF COURT AND NOW, this day of October, 2010, Defendant's preliminary objection to Plaintiffs amended complaint is SUSTAINED. The court grants Plaintiff leave to file a legally sufficient second amended complaint within 30 days of this order. By the Court, Albert H. Masland, J. Benjamin J. Cavallaro, Esquire For Plaintiff Peter Russo, Esquire For Defendant :saa IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA), N.A., vs. MARGARET S LORI, : CIVIL ACTION Plaintiff : : NO: 13-2007 Defendant : CERTIFICATE OF SERVICE I, Scott Qzs9 , Esquire, hereby certify that I caused a true and correct copy of the Plaintiff's Response to Defendant's Preliminary Objections and Brief in Support thereof was served via first class United States Mail, postage prepaid on the date set forth below upon the following: Robert Klingensmith, Esquire Harold Shepley & Associates 209 West Patriot St Somerset, PA 15501 Date: Il/ k'/ / t( BY: '4I Ab s! se A atchford, P.C. M c ael F. Ratchford, Esquire Scott J. Best, Esquire Attorney I.D. Nos.: 86285/93600 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510