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HomeMy WebLinkAbout13-2918 Supreme Cou ='ennsylvania couli 916 a Pleas For Prothonotary Use Only._ CIYII" C i I' 4t - Docket No: C rland �,i_ Coun The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or other papers as required by lmv or rules of court. - Commencement of Action: Complaint ® Writ of Summons El Petition S 171 Transfer from Another Jurisdiction 17-1 Declaration of Taking E Lead Plaintiffs Name: Lead Defendant's Name: `� _ Capital One Bank (USA) N.A. Douglas J. Wanczak 1 �3' Dollar Amount Requested: El within arbitration limits I Are money damages requested? [M Yes ® No (check one) ®outside arbitration limits 0 N Is this a Class Action Suit? [3 Yes M No Is this an MDJAppeal? IM Yes [3 No Name of Plaintiff/Appellant's Attorney: Michael F. Ratchford, Esq. ..; 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 17-1 Buyer Plaintiff Administrative Agencies ® Malicious Prosecution ® Debt Collection: Credit Card M Board of Assessment ® Motor Vehicle Debt Collection: Other Board of Elections Nuisance ® Dept. of Transportation ® Premises Liability ® Statutory Appeal: Other S ® Product Liability (does not include ®Employment Dispute: mass tort) E Discrimination [ Slander/Libel/ Defamation � El Employment Dispute: Other ®Zoning Board C ® Other: Other: T District Justice I ® Other: o MASS TORT ® Asbestos 'N ® Tobacco ® Toxic Tort - DES ® Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS n Toxic Waste ® Ejectment Common Law /Statutory Arbitration Other: Bi ® Eminent Domain/Condemnation Declaratory Judgment Ground Rent ® Mandamus M Landlord/Tenant Dispute Non - Domestic Relations i" Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY Mortgage Foreclosure: Commercial 12 Quo Warranto ® Dental Partition [3 Replevin 0 Legal Quiet Title ® Other: M Medical E] Other: i M Other Professional: i Updated 1/1/2011 COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL a . Judicial District, County Of Cumberland FROM MAGISTERIAL DISTRICT JUDGE JUDGME COMMON PLEAS No. 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 OF MDJ Capital One Bank (USA) N.A. 09 -3 -01 Honorable H. Anthony Adams ADDRESS OF APPELLANT CITY STATE ZIP CODE 4851 Cox Road Glen Allen VA 23060 DATE OF JUDGMENT IN THE CASE OF (Plaintiff) (Defendant)' 04/29/13 Capital One Bank (USA) N.A. Douglas J. Wanczak Vff DOCKET No. SIGNATUR F APP LLAN OR A RNEY A CV- 044 -13 This block will be signed ONLY when this notation is required under Pa If appella was Claimant (se Pa. R.C.P.D.J. No. 1001(6) in action R.C.P.D.J. No. 100813. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial Di rict Judge, A COMPLAINT MUST BE FILED operate as a SUPERSEDEAS to the judgment for possession in this case. within twenty (20) days after filing e NOTICE of APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary Enter rule upon appellee(s), to file a complaint in this appeal Name of appellee(s) (Common Pleas No. ) 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 appellee(s) Name of appellee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAY BE.ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. VINVAIASt4N3d Date: 20 AiNnOJ ONVI�M- Signature of Prothonotary or Deputy ),V�] C 10 YOU MUST INCLUDE A COPY OF THE NOTICE O.FJ4qgfqlFF.,YI T #A T FORM WITH THIS NOTICE OF APPEAL. r t t f 3l+ 9S -C�i ?! N P A Q �1�3. S4 AOPC 312 -05 �� !' I � `! ,, 1 � OF PENNSYLVANIA Notice of Judgment/Transcript Civil COUNTY OF CUMBERLAND Case Mag. Dist. No: MDJ- 09 -3 -01 Capital One Bank (USA) N.A. MDJ Name: Honorable H. Anthony Adams V Address: 35 West Orange Street Douglas J Wanczak Shippensburg, PA 17257 Telephone: 717- 532 -7676 Attorney Michael F. Ratchford Esq. Docket No: MJ- 09301 -CV- 0000044 -2013 Edwin Abrahamsen & Associates, P.C. Case Filed: 3/18/2013 120 North Keyser Ave. Scranton, PA 18504 Disposition Details Disposition Summary Docket No Plaintiff Defendant Disposition Disposition Date MJ- 09301 -CV- 0000044 -2013 Capital One Bank (USA), N.A. Douglas J Wanczak Default Judgment for Defendant 04/29/2013 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY /CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT /TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. Date Magisterial District Judge H. Anthony Adams I certify that this is a true and correct copy of the record of the proceedings containing the judgment. Date Magisterial District Judge MDJS 315 Page 1 of 2 Printed: 04/29/2013 12:14:09PM •, ' . , Capital One Bank (USA), N.A. Docket No.: MJ- 09301 -CV- 0000044 -2013 V. Douglas J Wanczak Participant List Plaintiff(s) Capital One Bank (USA), N.A. 4851 Cox Road Glen Allen, VA 23060 Defendant(s) Douglas J Wanczak 40 Thompson Creek Dr Shippensburg, PA 17257 Complainant's Attorney(s) Attorney Michael F. Ratchford, Esq. Edwin Abrahamsen & Associates, P.C. 120 North Keyser Ave. Scranton, PA 18504 MDJS 315 Page 2 of 2 Printed: 04/29/2013 12:14:09PM IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA �M> Capital One Bank (USA), N.A. r � 4851 Cox Road CIVIL ACTION Glen Allen, VA 23060 Plaintiff cn'� �'� C CD VS. GAD rQ Douglas J Wanczak 40 Thompson Creek Dr Shippensburg, PA 17257 -9452 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 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: Douglas J Wanczak 40 Thompson Creek Dr Shipp.ensburg, PA 17257 -9452 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 Douglas J Wanczak (hereinafter "Defendant ") is an adult individual residing at 40 Thompson Creek Dr Shippensburg, PA 17257 -9452. 3. Defendant applied for and received a credit card issued by Capital One Bank (USA), N.A. with the account number ending in 0036.(See, Application attached hereto as Exhibit "A. ") 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 "B. ") 5. Defendant used the Capital One Bank (USA), N.A. credit card account number ending in 0036, 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 "C. ") 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 February 22, 2012. 9. The total amount due and owing the Plaintiff is $6,872.70. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $6,872.70 plus costs of suit and any other relief as the Court deems just and appropriate. Res ctful y su itted, Michael F. Ratchford squire Attorney I.D. Nos.: 285 120 N. Keyser Ave Scranton, PA 1850 mratchford @eaa- 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 by law pursuant to 18 C.S.A. 4904. A i4aelEsqu ire EXHIBIT A CREDIT UNE: UP TO $1R 0.00 OFFICER'S t GNA7TJRE to Wo d dslaya. preen prwAda all letmmeso npnaLd. ►Hasa polo[ dam In br ar blur l,t. Snr;.r c..•...,......_.. _ Date of 81rth Upon 814"W aI. it you do not Meek a box, you win receive the Standard Platinum card. Co- ApplkaM win receive the same card desip es TM Primary Appriom- J' l.. SELECT THE YISM PLATINUM CARD DESIGN OF YOUR CHO)CE Home Phone Number in Househodf 11 ❑Stan d Platinum 12 ❑ MOUnEa n Lake t3 LtgMninq 11 ❑Seashore 1S ❑ Eagle 1 ?-1 : ---7. ) g! ❑ Yes yJ No Send me blank Checks for an immediate rash advance. (Not for transferring balances. Do You Monthly Rent/Mortgage Payment Use form on reverse side Instead.) t ❑Yes �No I would like only a 2% minimum payment rather than the standard 3 %. - ❑ own Home Rend ❑ Live With Parent ❑ Other $o [Tore! Aroma! Household Income lswzwcxolkna} Check Here H This Offer Expires: February 25, 2001 $- f`,3O,QQQ, C] Retired ❑Sett- Employed Current Employer Current Business Phone I�I 1 11I 1f 11 M I tI I I1 1�II t1 1� 1 1 1 1 tlI II ty N�� 11 1� i 1 1 1 f1 1 1 { BI H t111 I 11 I f1 1 1 �1 11 1 1 1 Y1 1 1 1 1 n1 1 11nIItIp�I {III 1 1�I I�11l1n1I r e�:sc � .7-.1 I !-S�3' 2 _` . me IIlI� 11�A ��lI IA� �I� lIl11 �iI1t 111tl U1�� I lI lI111 N111 � 11 �1I1t �11�I � I1111 �� UI � Y ��1� IHl CD 6 Y ears O — ! M "s Mothers M en N Pamosasl . E-mail Address Please Eraae out and 4464313783734 0 01 001 ' Co- Applicant Rost and fast Name Co- Applicant Sodaf Security Number Mange rnme aM ' j•. ! I I I I address d necessary. ' Co - Applicant Current Employer CO-Applicard Current Business Phone Douglas J. Wanczak Apt B I (we) have rea the l portent Dres and fscellaneous Information on the back of the letter and agree to 9 N Perm St be bound le rein. Yisclosuou _au rue to Check my (ourl credit and emph yment history. Shippensburg, PA 17257 -1334 S Date rate f 1432 � J. - O OAS �. Co-Apptt _ ture musraipn#j �►prrrcad'nn.) Date I ( I ♦ Plaaae OeteM, tak arM ngma. • SPECIAL 9.9% Simply complete this form to start saving with a low 9.9% fixed rate. We'll take care of the rest. Maximum initial transfer amount is $2,500 and will be based on your approved credit line. Minimum transfer amount Is $50. There is no fee for TRANSFER REQUEST this service. Please prim dearly in black or blue lat. Card&oan Issuer. . OR Ppgq Account Number Payment dress W Specific city i State ZIP Amount To Pay y �' Q,..� '� 2) Caralian Issuer Account Number Payment Address Specific city State ZIP Amount To Pay $ i _I . • - Don't target, In addition to credit card balances you can also transfer balances from higher - rate loans -- student loans, auto loans, etc. 3) CardlLeari issuer Account Number C>Y Payment Address State ZIP Amount ou i ._. �._+ nt To Pay $ _ ' _ —J tt 4) Carda Issuer Account Number - _j _J _ I _ f . __.. _I . _ _ __.. _ _ (_ J J I J J Payment Address Specific City state ZIP Amount To Pay $ _ l i. _I 44WI Help us proven year transfer requests fatter by following these guidelines: (t) List the most important transfer first (2) for Ca r dA.oan Issuer, list the financial institution (notyourseff, MasterCard" or Visa*). 1414 (3) Continue to make your payments on these accounts until the paymert tot the transierred amount appears on your other issuer's statement EXHIBIT B �I I 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 yourAccount 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 personal requested. pronouns: 1 Credit Limits. "You," "your" and "yourself" mean each applicant and co- When you open yourAccount, 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 L "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 yourAccount j 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 may still honor transactions above your credit limits, but our (1) this document; honoring of these transactions will not increase your credit (2) all Statements; limit. (3) all rewards information and documentation if your We may also increase, decrease, restrict or cancel Account has rewards; Y our credit Y (4) an Privacy Notices describing our limitations on sharing limit on any Segment at any time. This will not affect your information about you with others; obligation to pay us. = (5) your Card benefits brochure 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 I brochure will replace all prior versions; as yourAccount 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 the dates provided on the front. The Card is our or when you opened your Account, including Truth in propert y, and you will return it to us or destroy it if we ask. Lending Disclosures; You wilt take reasonable 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) anyfuture 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 yourAccount and i the original. apply it against your available credit limit for the Account and Card for that Segment in each Billing Cycle. i 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 E 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 provided 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 j 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 and us for all damages and expenses. (1) your legal name; (2) a valid U.S. mailing address and residential address (if From time to time, due to circumstances beyond our control i different); (such as system failures, fires, floods, natural disasters or other i (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 yourAccount. We will not be responsible or (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 1 4 i i i i information and terms about your rewards. We will include your request, we will need certain information about the l 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 the 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. i Some examples of reasons why we may reject and not pay include: your Account 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; your Account 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 1.... 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 i 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. 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 I 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. Statements. 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 your Account has a debit or credit i rights against the payee or other holder of the paid Access balance of more than $1.00, or if we have charged any s Check. You also agree to help us in any actions we might Interest Charges to your Account. Your Statement will show later take against that person. all transactions billed to your Account 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 i purchs at certain merchant or retailer point -of -sale devices information in the Statement is correct. {POS). Yo 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 I Cash Advances and all POS transactions as purchases. of the disputed amount, you give us all of your rights against i that other person. You also will: I 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 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 y 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. 1 I i 1 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 I 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 I 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 r 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 IT • Membership Fee. We may charge you this Fee as early as minimum payment amount might not be enough to avoid an I your first Billing Cycle or the first Billing Cycle after this Fee overlimit Fee. r 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. 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 1 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 1 shown on your Statement. days past due, part of a bankruptcy proceeding or otherwise charges off, the entire balance is immediately due and payable. • 0 erlimit 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, l 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 limit multiple times in the same cycle. us or any other company within the Capital One organization. • 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 I institution for any reason, even if that institution later pays it. Statement or as otherwise instructed by us or our agents. We t 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 G 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 1 to the above requirements will not be treated as late. • Cash Advance Fee. We may charge you this Fee each time j 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 I manner, payments received at any other location or in any other i • 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 Transfer or purchase transaction depending on the Segment in Charges. j which the Transfer posts. ; Faster Payment Services. j Transactions Made in Foreign Currencies. We may make services available that allow you to make faster If you make a transaction in a foreign currency, the Payment payments through a customer service representative using i 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 f 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. i 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 i No Warranties. Fee. 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 ; t 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 Payment Processing. (8) you permanently reside outside the United States. 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 j 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; 4 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. E has physical features that when imaged result in it not being processed as you intended. Communications. We may contact you from time to time regarding your 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 i 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; i 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 anytime, including weekends and holidays; with the words "Paid in Full" or similar language) and all (6) contact you with any frequency; i accompanying communications must be mailed to and (7) leave prerecorded and other messages on your answering received at: Capital One, PO. Sox 30285, Salt Lake City, machine/service and with others; and 3 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. i n g his. j Our contacts with you about your Account are not unsolicited 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, j Account Default. If you ask us to discuss your Account with someone else, you 1 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) you do not make any payment when it is due; I (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 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 E i i i and income information about you from consumer (credit) period for all provisions and purposes under this Agreement reporting agencies and others as the law allows. (including the right to collect debt) will be the longer period l 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. 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. 1 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 i also destroy all Cards. You must still pay us all amounts you someone else without our written permission, owe on the Account, even if they are charged after your r 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 j calling the telephone number on the back of your Card or we think is reasonable. This includes returning the payment j 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. I 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 i give you 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 j you electronically as permitted by law. Our notice will tell you purchase Segment of your Account unless otherwise i 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 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 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 I 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 1 We may increase your Interest Charges for new transactions switch to quarterly Billing Cycles to your Account. i 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 i 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 yourAccount 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 i 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 allows. Otherwise, the applicable statute of limitations in cash or things we consider cash equivalents. Cash 1 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. i • "Fees" means charges imposed on your Account that are not based on the Annual Percentage Rates. • "Interest Charges" means any charges to your Account based on the application of Annual Percentage Rates. • "Item" means a- check, draft, money order or other negotiable instrument you use to pay your Account. This includes any image of these instruments. This does not include an Access Check. • "Payment Card Network" means Visa Inc., MasterCard International Incorporated, or any other network provider - displayed on the Card. . • "Segments" means the different parts of your Account I. 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." 1 -"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 i and change in terms notices. 1 p�f+0 i 1 > " 2010 r_aP�ta10 ne i p ?tal t?r<:s a'cdntally rogist red s?rk:2 mark All r• hts tewrvr_a. RV600157 M -99488 BR i 65892 COT autnow Agrxmun rr'J I 1 i I i i i i EXHIBIT C 5DOC81 THINK TWICE. InterestPlus Online Savings 1.10 %APY* • Think a great savings rate 10 % BONUS* • Think a 10% quarterly bonus on interest earned • No monthly fees Learn more and open online at capitalone.=Wgrow33 Use Offer Code DJQ9HD3DF Turn over for more information and important discl - - - - Page 1 of 3 1 -800- 955 -7070 Jun. 20 -Jul. 19, 2011 30 Days in Billing Cyde l www.capitalone.com . LATE PAYMENT WARNING: it vue do not receive your minimum payment by your due date, Asa Platinum XXXJ( =(X - 0036 you may have m pay a late fee of up to $35.00 and your APRs may be increased up to the Pen 'try APR of 29.50 %. NEW BALANCE MINIMUM PAYMENT DUE DATE $2,986.34 $66.00 Aug 16, 2011. PLEASE PAY AT LUZT THIS 44013W Credit Limit: S7,000.00 Cash Credit Limit: 53,500.00 Available Credit: S4,013.66 Available Credit for Cash 53,500.00 Pre vious Bala nce Payments and Credits Fees and Interest Charged Transactions New Balance S3,D0D.00 —� - S59.01) + S3 6.34 ,� + f 50.00 1 = S2,966.34� ! TRA NSACTIO NS Get Payment Protection. PAYMENTS, CREDITS &ADJUSTMENTS FOR DOUGLAS .1 WANCZAK #0036 1 13 iUL CAPiTAL LINE ONLINE Ph:1TAuthGate 2 -11:L 650.00i Capital One'"ayneit 'rotcaian can p•ovide ycu peace o rri-d in these i uncenain economic times. As Icng as you meet certain eligibility requirener�s. Payment Protection voi I make your m'ni-nu-n rren - .hly payment... • Fyou Imp. your job FEES • I` you are hired and cart wok Total Fees This Period 50.00 Plus, we'll make one minimum payment a yea,... Total Fees This'fear 50.00 • No questiors asked. i INTEREST CHARGED Find out more and enroll today. i INTEREST 0iARCE:PLIRCHASES S36.3 Call 1 300032 . Total Interest This Period 53634 j Total Interest 'his Year 536.34 —' - - -' 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 Ra -- Purchases 14.90 %D 52,967.53 536.34 i Cash 24.90 %D 50.00 I SO.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR La ON TO WWW.CAPhrALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121741857980036 19 2986340050000066004 Account Number: 4121 - 7418 -5798 -0036 Due Date New Balance Minimum Payment Amount Enclosed PAPERLESS Aug 16, 2011 ( $2,986.34 $66.00 J STATEMENTS PLEASE PAY AT LEAST Stop waiting for the mailman. THISAMOUNT View up to 13 months of statements anytime - online. Sign up at www.capitalone.com 400007 DOUGLAS J WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N-A 111 II,I 11 I I i II. II IIII P.O. Box 71083 III II "II "' ' I'll'I" II IIIIi'111111 'I ' I I II I I Charlotte, NC 28272 -1083 111111 III "11 It III I I „ Iluh''ll' 1 'III I "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 costal - Bank • Great savings rate • 10% bonus on interest earned • No monthly fees Learn more and open online at Capltalonexomlgrow33 Use Offer Code D1Q9HD3DF MEMBER FDIC Annual Percentage Yield (AM is accurate as of Ory'OS!l1. 1.10 %APYapplie5 to account balances Of 51,000 or Inoue. 0.10% APYappiies to balances less than 51,000. Rates are variable and may change at any time. Minimum deposit required to open the account is $1. 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, o, 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 quarterand 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 Banky (USA), N.A., and Capital One, N.A., members FDIC. © 2011 Capital One. Capital One is a federally registered service mark. All rights reserved. OG2 1'J How can I avoid paying Interest Charges Each month you pay your "Nmv Balance" in full, Mailed payments received by its at any oche+ location or in any other fort may not be credited You 1I have a minimum yrace period o` 25 days with no interest charye un all new 11 as of the day we receive them. purchases, 2) balance transfers, 3) special purchases and 4) other charges. If you have been Do you Prucess Paper Checks as an Elecironlc Funtls Transter When you provide a check as Pay! you -co full with no interest charges applied and you do not pay your next bill payment, you authorize us and our agents either to u information from your check to make a in full, rxora[ed interest charges will be assessed. There is no grace period on cash advances, one-time electronic fund Transfer from your deposit account or to process the payment as a special transfers, or on any new transaction when There is an unpaid balance from a prcvious check transaction. When ws use information from your Check to make an electronic fund bill, Transfer, funds may be svithdrmvn from your deposit account as soon as the same day we How Is the Irderest Charge applied? Interest charges accrue from the 1) date of the receiv, your payment and you will not receive your check back from your financial institution. transaction, 2) date the transaction is processed or 3) first calendar day of the billing period. Your authorization is not limited by the date on the check We may resubmit and electronically Interest charges accrue on every unpaid amount until it is paid in full. This means you may owes collect the mwitre-d payments. interest charges even if you pay the entire "New Balance" one month, but did not do so for the What If I file for Bankruptcy 7 if you are entitled to bankruptcy protection, this previous month. Unpaid interest charges am added to the proper segment of your Account. _ ication is for information only, is is not an attempt to collect, assess or recover a deed However, we reserve the riyM1T to not assess intersst charges at any time. r claims Do not send us payments svitha.l speaking with your bankruptcy attorney or the Do you assess a Minlrtum tnterPZt Charge Yes. A minimum INTEREST CHARGE of SD.50 swill Bankruptcy Court. if you or your attorney =old like to contact our bankruptcy claims servicer be assessed for each billing period your account is subject to an interest charge. directly, please contact Capital One - PO Box 30265 - Sal: Lake City, UT 84/300285 He. did you Calculate the tnterest Charge There am several calculations that are used to BILLING RIGHTS SUMMARY (Does Not Apply to Small Business Accounts) determine your total interest charge 1. To yet your Daily Balance: For each segment, 11 take What To Do If You Think You Find A Mistake On Your Statement If you think there is an the beginning balance and add in new transactions and the periodic interest charge on the eno on your statamenT, write to us at previous days balance. 2) Subtract any payments and creditsfor that segment as of that day. Capital O The re sult is the daily balance for each segment. However, t ne you paid your previous month's P O Box ne balance in full (or if your balance was zero or a credit amount), new tramactiom v hich post to Salt Lake City, UT 84130.0285 your purchase or special purchase segments ate net added to the- dail balances. Also, In your letter, give us the following information: Tramacdons that are subject to a grace period are not added To The daily balances. 2. To find . Account information Your name and account number. your Average Daily Balance: 1) add the daily balances together and 2) divide The sum by the . Dtllar amount 1 he dollar aroun: of the suspected et— number of day=. in the billing cycle. 3_ Estimate your Total Interest Charge: 1) multiply your . Description of Problem If you chink There is an error on your hill, describe what you believe is wage daily balance by the daily p riodic rate and 2) multiply the result by the number of days wrong and why you believe it is a mistake. m the billing period. NOTE: Due to rounding or a minimum interest charge, this calculation may must contact -within BO days after the error appeared on year statement. vary from the interest charge actually assessed. You must notify us of any potential crmrs in writing You may call us or notify us electronically, How can my variable Annual Percentage Rate (APR) change? Your APR may increase or but if you do w9 are not required to investigate any potential error, and you may have to pay decrease based on one of seven standard indices reported in The )Nall Street :oomaf To find the amount in question. which index is used for your account, lookfmr a code (P, t, C, S. U or F) on the front of this While we investigate evherher or nor there has been an error, the following are toe: statement next to the APR(s). Then check the Table below, - We cannot try to collect the amoun: in question, ur report you as delinquent on that amount. Code next to your When your Annual ' The charge in question may remain on your statement, and we may continue to charge you Annual Percentage index which your rafts are based on Percentage Rate interest on that amount. But, h we determine that ire made a mistake, you will not have to pay Rate (APR) will ohange the amount in question or any interest or other fees related to that amount. -While you do not have to pay the amount in question until we send you a notice about the P Ovaterly Prime + margin previously disclosed to you The first day d the nutcgrne of our investigation, you are responsible for the ierneinclLr of your balance. L C., deny LIBOR - margin previously disclosed to you billing periods C.at - We can apply any unpaid amount against your credit limit. C' : ;uadedy Do - margin ix-i- sly slisclused to you end in January, April, Your Rights t You Are Dissatisfied With Your Credit Card purchases. If you are dissatisfied 5 Bankcard P rime + m argin prgwio ly disclosed m you July and October. with the tls or services that have purchased with your credit card, and have tried in goo you you D IA-thy l Prime + margin Froviously disclosed lo you The first day d each good faith To correct: the problem with the merchant, you may have the right not to pay the F Monthly LIBOR. + margin proviously disbsed toy monthly billing remaining amount due on the purchase. To use this right, ell of :he following must be :rue t. G I - -sun, LIBOR+ margin prrrvmously disdosw' to you podod. You must have used your credit card for the purchase. Purchases madesvith cash advances from an At h' or with a check that eccesses your credit Card account do not quality. 2. You Are there Additional Fees assnclated with my account? Yes, under certain circumstances, ust not yet have fully paid for res the purchase. If all of the criteria above are et and you arc e e you may bs—ed a Late or Retuned Payment Fee. You may apse be charged ovedimit fees it still dissatisfied with the purchase, contact us in writing at: permitted by la-.v. We reserve the right to not assess fees without prior notice and without Capital One waiving our right to assess a similar fee later. P O. Box 3D285 How ran 1 Close My Arcoum You may dose your account by calling or writing our Customer Salt Lake City, UT 841?D -0285 Relations Department- At Shat time, ire will provide additional details including payment While we investigate, the same rules apply to the disputed amount as discussed above. After information. If you use your rlit card or charges post to your acco unt after you ask us to we finish our invesriga rc- - tion, wve will tell you our decision. At that point, 1. we think you owe an close it, we can keep your account open To avoid paying any applicable membership fees, call amount and you do no: pay we may report you as delinquent. to close your account prior to The end of The cycle in which it is scheduled to be billed. Capital One supports infgrmation privacy protection: see ourweb im at wvwn,capitalone.com Met happens If ruy Arronm Is Snanendetl We may close or suspend your ac court: and Capital One is a federally registered service mark of Capital One Financial Corporation. All rights your right to obtain credit a[ any time and for any reason, even if you are riot in default. reserved 3; 2010 Capital One A suspension can be permanent or h- perary. It your account is dosed or suslended you must 1) stop using your credit card and account, 2) cancel all automatic payments, 3) destroy all credit cards and access checks, and 4) pay all amounts you owe us, eve -n if they were charged after the account was closed or suspended. How do I Make Payments Payments you mail to us will be credited to your account as of The business day we receive it, as long es: I) you send the bottom portion of this sTetemenr and your check in the enclosed remittance envelope, and 2) your payment is received in one of our rxocessing centers by Spun local time. Please allow, at least (7) puniness days for mail delivery. TC -O8 Dy %1)11 Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ......................... ................................................................. we process your payments smoothly: Home Phone ................................ ........ _................................................ -- • Don't staple or paper clip your check to the payment slip. Alternate Phone. • Be sure to use the payment envelope that came with your E -mail - Ge statement. Using a different envelope could delay processing. Address ............................................................ ....... ........................ • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink. number on your check. 500698 THINK TWICE. $ InterestPlus Online Savings Account GET 50 • Think great savings rate -1.10 APY WHEN YOU OPEN A NEW • Think 10% quarterly bonus on interest earned INTERESTPLUS ONLINE SAYINGS ACCOUNT • Plus no monthly fees online using offer code SCORE12DF and have a balance of $10,000 or more on 09/15/11. Learn more and open online at capita Ione xorWscore1Z Use Offer CodeSCORE12DF Turn over for more information and important disclosures. IN ism Page 1 of 3 1- 800- 955.7076 www.capitalone.com Jul. 20 - Aug. 19, 2011 31 Days in Billing Cyde l MINIMUM PAYMENT WARNING: If yca make onlythe minirmm payment each period, you will pay more in interest and it will rake you longer to pay off your balance. For example. Visa Platinum XXX1( )MX -XXXX - 0036 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional charges Are Made statement Balance Total Cost $3,038.20 $69.00 Sep 16, 2011. Minimum Paynent 18 years $6.355 �., $105 3'feats $3,7B6 i PIFASF PAY AT x.ECuT THIS ➢NOOxR Your estimated savings if you pay off this balance in 3 years: $2,599 Credt limp: 57,000.00 Cash Credit Llrnit: 53,500.00 If yw would like information about credit counseling services, call 1 1 -838-326-8055. AvailableCredt:53951.30 Available Credit for Cash: S3 1 500. 00 LATE PAYMENT WARNING: It we do net receive your minimum payment by your due date, - - -_ you may have to pay a late tee of up to $ 35.00 and your APRs Trey be increased up to the I - Penalty APR of 29.40%. Previous Balance Payments and Credits Fee and I ntere st Charged Transac New Balance S2,9B6.34 — i - S 10D.00� -I- 538.62 + ( 5113.24 _ 53,038.20 TRANSACTIONS image Card® ... letting YOU show through. PAYMENTS, CREDITS &ADJUSTMENTS FOR DOUGLAS J WANCZAK #0036 1 15 AUG CAPITALONE ONUNE FMITAuthDate 1 5 -AUG (S1'woo) i _ r TRANSACTIONS FOR DOUGLAS J WANCZAK #0036 3 04 AUG 3L..00<3 !ST ER _ 1 01 A,t1G Shippensbng Family Pia tShippen5burgPA 599.00 _ 2 03 AUG BLOC KBUSTEREXPRESSSHIPPENSBURGPA 52.12 ; Image - 6 - EXPRESSSH 51.06 . Card _^ ♦���- 4 17 AUG PILOTCarlispPA S11.015 Total Transactions this Period $113.24 Create your own personal masterpiece. i Just visit capitalone.com /imagecard. 300033 FEES - I -- -- --- --J Total Fees This Period 50.00 INTEREST CHARGE CALCULATION Total Fees This Year 50.00 i Your Annual Percentage Rate (APR) is the annual interest rate on your account. INTEREST CHARGED I Annual Percentage Balance Subject to INTEREST CHARGEPURCHASES SA' 62 Type of Balance Interest Charge Rate (APR) Interest Rate fatal Interest This Period 538,62 - -- - -- -- -- Total interest This fear 574.96 I Purchases 14.90° D 53,052.24 538.62 Cash I 2490 %D I S0.0C, I SO.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121741857980036 19 3038200100000069003 Account Number: 4121 - 7418 -5798 -0036 Due Date New Balance Minimum Payment Amount Enclosed GREEN FACT! Sep 16, 2011 l 3.038.20 $� 69.00 J ) 't J 1 tree can be saved for every PLEASE PAYAT LEAST �► THISAMOUNT 13 people that go paperless Sign up at www.caPitalone.com 400005 DOUGLAS d WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N•A• - IIIIIIIIIrr , Ir 1 11 1 'I' 11 1'1 1 111 11 111 ' "'Iltlll'1 "11 Charlotte, NC 28272 -1063 III III ' 1 VIII 'Ir -If I1 "IInIr`II- 1 - 1IIr "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 ACCOUNT ci - B k Learn more and open online at CapitaIone CotWscore 12 Use Offer Code SCORE12DF MEMBER You will receive a SSO bonus if you open a Capital One Bank' Interestirlus Online Savings (IPOS) account online only, enter the offer Code at the time of account opening, and have 510,000 or more on deposit on 09/ 51' ' - You are eligible forth is prorreiion onh, you leceived this offer from Capital Cnei* This account must be your first account with Capita( Cne Bank. This account must remain oper. 4-B Weeks a., Ogll 5i 1 during Which time the bonus will be deposited into your account. The bonus will he reFlerted on your ncRUhly statement and 'rill be included in your year -to -dare interest and ywr end fair reporting. This offer cannot be combined with any other offers. Annual Percentage Yield (APY) is accurate as of 07!16111. 1.10%APY applies to account balances of 51,000 or more. 0.10 %APY applies to balanxs less than $1,000. Rates are variable and may change after account opening. Minimum deposit required to open the account is $1. Withdrawals by online transfer are limited to six per calendar month. Each quarterly bonus will be equal to 10 of the interest earned an this account in the previous quarter. In order to be ehgible to receive this bonus, your InterestPlus Online Savings account must be open, and you must either maintain ar average monthly balance of al least $ 10,000 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 (rim restricted, not over limit, not past due), with at least one transaction per calendar month. The bonus will be paid to your l nterestPlus Online Savings account within 4 B weeks after the end of each quarterand Will be reflected on your statement. This account offers electronic statements only. The amount of the bonus maybe reported to the IRS as required by applicable law. Terms and conditions of this offer may change at anytime This product is offered by Capital One !lank (USA), N.A., and Capital One, N.A., Members FDIC. €= 2011 Capital One. Capital One is a federally registered service mark All rights reserved. Ong to How - n I avoid Paying Irt -rest Chames E',_h a,W, y r •Nt-w hl­ e' in ion, ;o w:!i h t,lli :,: u! tde; hire n ;zr :ru :r Le, 1 _':C- 35'•.7'7C'!TJ V ,iJky ; - n inlur :r'Ab.i G ;�w ;ill %u,rt t u ,u v, y,u u + ':: ,: I inhr'uv gII F -r,] :J 25 i,yd c =:d: rn Toe :a ;t :Rnax ,I! nzs: 1i put :h',rre. 2) taeu :e a :m! =n. 3) sF- ,I :el e _urtiw. a. Payv'xns t:; n':il sho:.i] to sell[bthe irae,np :ddass hrc'i,iiei i "h Fu eh- and 4) otter h:rgee. It V . IT- teen p yiug p x - -it, in lull 01. no mrervs _huge: vFFlie7 vni [his a,esv; enL P,ytzrr viii to e7n 9 t, pre! v : :ount }emu 1, I.A py put nett GII in tun. :tor c-d imi"q :1r rgey v.ill t= vseess =i. Th: ^e is m y:a:e eri:,i In _'lilt • F :n :,,rick -, ;r ;, t- Fh:,:, :;: ui the tuyine;s i :•y xe teriee it •r, brig IF dry "e :i :r',]= .-;5 MI Er e]••,. , =Fe: - A U, r'I,r , r ,.h wU,n�, :, i ih -:e , .., , . r , {.r - us till. Fill IT ilel Fu, IF ,l line tu. r i:, s,, r-it 4 • bag .. IT } -ri rise t_¢nr F,:U, n :,l .N How is the Interest Chame applied? Inle et h g: - - I I C 1) J ie. tl,e u,' •, -u,-, 2) dote the ' I IT n d he l In - m' F; - y F- -i •, lw a , r A on ." ir urn ,i,r trr, .,,nd,r d - ,y A the tll . qF -,J. Irne-vt,h,i s „rue, :,zry unF,dvr:,u:lt F,. ..g'.I, -tt,Fn I,., a.. P.,.. ,t ,(h,r.7)L. :: 1.,: ,I IT n.lnry M,Aed I eF until hisFvb ill on. Thir !re•,ny•y,u!rvy- i!nerrs1 ;h,ngey even it y,u Fa,the endte"N'.. Bahin :e ",rt IT',ntl,, '-tic:] tyuy,r.uny,mcl 1'1nr „ill vn y,Merl ;nr'm:yrt,ite ::rd'rte'',s ,! the d,y x- re:eb: ::then. tut dd na dh s, I,r the p-ii r:'_ntr. Unpaid inner - z ;hv,ges x< vddei cr dr Hr:,F: -! -in -m -,l i -, ki runt. Do you Pmress Paper O,ed[s as an Elettmnic f dsTmnsfer P,•,•rrene''hill to pre, %aJ in :me at tv.-, r �s: =,t „t ryli!r,. `1 :•tern !:I. ",i.ee" " :',r :he :k inl; nn' •i6:,nt:rn'•,k,- a {:nrr- n :,y-.•u �ur%r,rr -u. :n cur :�J-nryb u -d,- Doym assess a Minimum interest Chain - T y'z a ninin un' d4li:kEii:HARuE ,f j.;:5:: ,'.ill t- a »,yy-d Ihr e,;h ; n , ,'eke v hnr cone A,H retrsa :Gun _: ,tr, e! = ;n ,nL. lurid tr :rnt =: tknr y „n ],!:,si;'e;:,unt. W'e n'vy rnbrr'•fu ti!Ih,g Fer::i put ,::::um iy wtla :[tit v!'. inner- :h -age. vis,r use M- itdnn'.dhn c; F! -Ftha I: }'rrerIt,y, :te :kn' :nr.,.um. 'rid nit, Hovu did you Calculate the Int me 7 rest Dha There vc serer1 - Aiubdill ml; u:e used L. der:!vine put [:tat what'd I file for Rankri it pi, „e endtl j r, b,nkuF� y F'T,e:U,n. this : :�.. ri :a[i ;vr i, 1r inl.!:r•,rim irrtarc,a. :.ha :ge. 1. 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Your statement: It y,u d:ur` mere is on I- i, y,ur i nt edde7 the JAiy t„ - Tirol y r Av -rug. Dully E,1 -: 1) -3!j the Y b,! s r „edrr 21 - ,ic t, i „i It., .nrr ty the nn!r'r ,t 1,7. hi thr tilling :!e. 3. ENinut ` y,u: ruin triter is harge: 1)1'kiFly •;uur R,Fil! ar <r:ge Jvny tvk:nte tytha d•,ny { :eriotli ;. lit and 2) n „ +ilily a'l -ill tylM m:n'te: A d'ey, in Me tilu!y plod. P.B. E::x 3- F5 :4:3Tf: [ue r t,urdl :rg „ IT min uv inae;e,t ;herge, MI= ..yi ih,r IT 'a q , I' ll dr inemn Slit L,I2 City. 1T ;41 ? :: C2e5 pun tell, g:, - u= the Ihlbving in -, d'nc Him cart my, variable Annual Pementaa- Fate (APR)dhange7 Yhut ATTn'eyin;reuse,t ]e'.nt`f ;, tseJ,n,ne • : :.,m!tinl,nl atirr :'ur nen'e en7 :'.,uni inn :'ter. A t' ri ] 1 - iri,tt ill 7n Tirti,T1 1, h irdiv .. iI y"'. _ urn b* ' n ,, nL The Error s• wit 4IT m F ted n,r. 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Code next to your when your Annual Y:,u rr :>:a ::,nla ;t ny',idhm s. dvp L-, the anon ste ,I, Annual Penxrdage Index e,hid, your rate t s are based on Perceage Rate Mll yu,j !rug nodty us A vny lawntial -,, t i :_ vitas y',u I, I-; us ,r rubly, u, elz :t!,r. ; ;vll,, tut it ;,,u d, we Ire Rate (APR' change to ie9p it -xigete n[rrua!d pu!r vy has' Fay o- ,rr :rant in au Aiwa. tu,'t -,u n- ,ny i; -, vt , WN - in' esdg,te x'he[her x nut men- h'„ t•er, „, enter, m- r,lb,:ing a,e vue: P 0uvrteHy Pit n'e vat gill prvbudy dla:bn] t, you ih, lil:t],y ,I to cuing .ys; mho;aytrnlL :.lme'vvoun[ill gwsdm,mcvnt yvu,s'1'- l!nquent ha meorr:n:ni L �,ededy L!P:Af n•,!gi:: r:!e,;,v:!y iiy:.I,::ei v, yh[, Fr,,Jdmeleor�o :v,tr -,i• -D - :,b edo )anuvr •. ,Y;nil.)ul..,Trd I:vrg: in qu- ct ;,,ray fell 'vhr go Y­ IT t,:h,:ge y :u,irta,t�n tMn,, -it. - xy y 5 S,NL,d n!rry nag ipe'r'uusly dls:.losed n y,u :):toter. 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A'.; , y,. ; ,Fbr. limn I. :e thlhi e , v.- ..- ai,at -. h_ =a s aFFly tit d,- 7iyptr -d v,, :•mr r iiy :¢ay :�:ry'e. !:ha , re thdit, om ,eiit 7 :,on, ere, it pu e nut { n:'enerr: :.rc c,rF Vry. !t d pun e:;,wu is J,sei ii susF -nied Y. nut 0 ut,F using ;ow - '.uI i un +_ :.hunt .) :rtr.a a . the tigad,n, - vi!I ti n ;v;u our 9ef simr. ?i tlrr poi,; t ,:e M A: y­ ,sue en ill - and pu 90 nn Fa, ,'< n 'a, •r vim IT Ili, l,,p, nIF . 31 de,t,y It --dit %ojd and a ;an ;he:b, err? o ivy ell •nroulnr h•,u or,� 'F. ren I! they y,u a= ]elinqu -n:. .: I- ;h,.gud vlc: dne ,ij: It v:es Ji-i ,r cur del , I ,! s,a =uF{:hm irdnn -,dun prra ;y pmc:GOn: =ev :,u: s ;�tynr It vv :v; :uFietbn,.u:! How do l Make Pav rnT, ?f °, er T, ­y kn _ -:1. Cnlin, ty _J,iig lit ,'n'.v :. :uFau!one. :xn ,,Fir, uteri' - :'llyregi �-r^ Js^ n,-- mark A',prd:)!Te fi :ruu- F,I'nFnv[; n.Aitights n - setrd d toggh'g Trio y,u: Tele;:h,r.- ':t,i :e • P.-illr , e 3y.Am ty diak :g 1 S� 355 -7,X !,11- :g in, 4:. 2 - it - ':li:al's'rr un r 2. .. :e FnvLie Wren pu , rake a phme p -a tiv -hugh ,m ni:e :esc ire e,.tr. r. pu e'rh,ri�: m r, iniGee v!r e-H s ere ;aaI i; F'v,ml mvt,:lll to diout'7 h,rr pw funk v:;,unt. Dnr7y 11 ly ithl!vrnlrnr y - u tv:rk a__,u.�. ___,�.r •. =due =rice jayvee piir: , ur pup r.,. TC -D8 07730111 Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure .................................................... ............................... we process your payments smoothly: Home Phone ................ _ ....... ............... ................................................. -- - Don't staple or paper clip your check to the payment slip. Alternate Phone.. • Be sure to use the payment envelope that came with your E -mail L� statement. Using a different envelope could delay processing. Address ............................................................ ............................... • Please don't include any additional correspondence. - Last but not least, be sure to write your 16 -digit account Please printaddress or phone numberchanges above using blue or black ink. dumber on your Check. 500716 Important Notification about changes to your account terms The way we calculate your minimum payment is changing. For detailed information about this change, please refer to " Important Notification about changes to your account terms enclosed with this statement. Page t of 3 t -800- 955, -7070 www.capitalone.com ` Aug. 20 - Sep. 19, 2011 31 Days in Billing Cycle I MINIMUM PAYMENT WARNING: If you make onlythe minis um payment each period, you WI l pay more in interest and it will take you longer W pay off your balance. For example: 1 Visa Platinum XXXX- XXXX -XXXX -0036 Payment Amount Each Poriod If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $3,020.15 $68.00 Oct 16, 2011. Minimum Payment 18 Years q7j6,346 $105 3'reals $3,764 PLEASE PAY AT LEAST THIS AMDUIfr Your estimated savings if you pay off this balance in 3 years: $2,582 Credit limit: 57,000.00 Cash Credit Limit: 53,500.00 If you would like information about credit counseling services, call 1 -868- 326 -8055. i Available Credit: 53,979.55 Available Credit for Cash: 53,500.00 LATE PAYMENT WARNING: tf we do not remise your minimum payTrent by your due date, - -_ you may have W pay a late tee of up to $35.01) and your APRs may be increased up W the Penalty APR of 29.40 %. Previous Bala nce Payments and Credits Fees and Interest Charged Transacti New Balance 53,036.20 — S100.00 t L 538.69 } ( 543.26 = 53,02D.15 TRANSACTIONS _ PAYMENTS, CREDITS &ADJUSTMENTSFORDOUGLASJWANCZAK #0036 j InterestPlus Online Savings i 1 16 SEP CAPITAL ONE ONLINE MWTAuthDate 1 6 -SEP (5100.00) i TRANSACTIONS FOR DOUGLAS WANCZAK #0036 • Great savings rate 1 29 SEP 6LOCTURKEKB HILL #283 QS695HIPHIPPEPENSBU R G 52.1PA S2U.12 2 2 04 I • quarterly Bonus on interest earned i SEP 'f HILL #263 QPENSBUG 3 18 SEP SHEETZ 00002634CARLISil-PA. 521.02 • No fees ► Total Transactions This Period $43.26 Learn more and open online at FEES capitalonedirect .com /interestplus 300034 Total Fees this Period 50.00 I -- - - --- -- -- ----' Total FeesihisYear SOAC INTEREST CHARGE CALCULATION INTEREST CHARGED I Your Annual Percentage Rate (APR) is the annual interest rate on your account. INTEREST CHARGE:PURCHASES 533.69 I Annual Percentage Balance Subject to Total Interest This Period 538.69 Type of Balance Interest Charge Total Interest ihis Year 5113.65 ! ___ Rate (APR) Interest R ate Putrhases i 14.90 %D i 53,057.25 i 538.69 Cash 0.00%D SO.00 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121741857980036 19 3020150100000068001 C Account Number: 4121 - 7418 -5798 -0036 Due Date New Balance Minimum Payment Amount Enclosed -1 \ GO GREEN c � Opt 16, zo1 t F$3,ozo.1 s $68.00 1 S y on AVE GREEN. PLEASE PAY AT LEAST Pa line and save THIS AMOUNT money on stamps. Sign up at www.capitalone.com 400008 DOUGLAS d WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N•A- I n I'll Ily rr l I nll r r LI 11 r P.O. Box 71083 lI II "1 !111'11' 111'11 I II" 11'11 1 I I 11'1 I Charlotte, NC 28272 -1083 111111 III" n 'Ir1111 .11111111 -1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Now th, .. I avoid paying Interest Chirrue E,:h it nl, p, ply )-­ "N�. P.Me- 1.11, 'p" ,:i9 h- '.ilittU j-11 ­si ­ L-, I ­X-955-7 "ild Ou,!, tiuo t. e! 3;,. � i . - ; t,l,, " __ - as 6j J,yy 'Jith J.";j, , l A pe-h- 37 4. P.1y: ty o [I �. I. Y�,[ � M� it inj -- if p jvi]ej :tfl F:44il , :1 aw F Irld 4) ,he, It yl,, 11 11 p)i,lj 'p-J, - ­ telz in 10 Wth n,i ;:,,Nd ­j thk >T felt CnL Pv""'u Oil to %-Jlljt, put J, p. 1, nx py y­ .eCr till In W11. n , n J int, :h-vps v ill t;w Th,: it n,t g,-. e i:e 61 an : ­h Rtl It ­­ the l,hxlw ; A the jjy V.-I rrr ive IT Ian ,s #*y ,1, a ,:!� .7 i Mi Er U - ji, "'i F­,u "In'l thei. t 1.,, , [:-n- till- F" n py ttu ,v J. th 1p; q L-ng 24: ll pi ­ij ZN t..-mirt p:lJo,t I LN.z Now is the lott rhanne aWiedt lnte­t :.hj;j,s lf,it d i e 1) dvte A the Uinn' A�l, ) J,t� the ,lJ pit, iva-1, 6 thl "o .1 Y". pp, 1'.1 iu ill in, A >.x - ,.e1ga,d,, I. 't tit, bllil" pri_­ lntu­,:hxg;s v: :­ it u11­id 111*-K Ze11.*,e-e ty 5p, I-J tiv*ta. rl­ye ub, t 1a,Ft :7; buy 1 p l" "'AI dufik­,Y. py" _ u. d irt i- P.A. Ill tu!l Thl_ e y,u it jy - mta,t -h-vgF ­v it y:. pyth- Ptlli, " ­V,, .. +'] ty u' ,. , ) jth'a 1-ti'•l Jt ll X., !1.w t. ',Jituj , q ..t iflu Jy th l; tut It., it. Jo !:, I,ir tht p-ri,iuy na nd.. Unpaid rtt­_�, : huqwy ­ djam.1 " the pr qo ,it al y' ,p, v . kz Do you Process Paper Checks as on El Funds Tratnife ,l P;- ull to pzi:?sYeJ ill "" ,i t H­­'. - Vt.. ;�_htli ­t ­uym uf­�T.Aps A " ' ytir e. tv.­ p ; n " "ile , _*�, k , ;1­1, i" U 'c, " kk , pyu ull', 7. uth"ice "= " �,:, rp t, use the � Do y a,,.ss . Minimum barest Chaou Y­ n 6,, it 114 11 REST fHAR5E D V.jl; t� b, �,�h illl:mr A tD rr k. , jl., d':' A'H t,­­t' :,;I j! jlhf t t, il:ll! y,Li! d.-j:1it - 11llt 'A' 1- 1; ti!li,,j ;�'d pul ­:lU nt htell H� ota ink, "' A", o Er­yy thme Novi did you C"I"dild" t lrdml dram e? Th- .112? It"t t� - nie t d L. d"r te h, p", txl What if I till for Bankrupt !I pli o�b �,W-J u Inninpi" px,. thly nnklft, i; 1,x 4113"t ld- 1. T,, g�T p,,; 11,Cy E,lir- Fit �,�h v�p?at, 1) TAe thi t�pinoditj ,.,d Ad it, - lnly, it iF R?" 1t, n J- tt . -hat . C), .t ply""'try MILI, �F- V1, dhin M. ;iv, �ul in 91 ­i­ "yly i,%'!� Illy �17! -nt lid tn lIzUVLy A­,_ y J. tha Fi;tb,,Ft%y ��.tat if y �!­y To -a'a - !:�.A,­11 y A th't JY. r-ylili : thl JAY t:ll ,-.h K�p -,,-t. Hll­..;. it p. p ,,d FeN" I-r ji,eJy, pi- to E. nk L&, - ity, UT- 413^-_ES u in lull:,r 1 pul :,N,nu x r dit -,u whih p4 t. pin , Llxlh,s BILLING RIGHTS SUMMARY N:,f Appl, i­S•,, 3-r-A-6; M p Y�Jlr �ras j;�. What To Do It You Think You rod A Militate, Do Your State it yju thry. 1,­ IF at '­ n ,­, lit Ch. T,i filil pui A-14' city EJ,!­: 1) JJ thu Ay Win, vid 2 ) 5o Lriz, -.i. U ti� A- . luflt�l � -,y:h 1 E��t[ un ji�id the Y'A' ty th -i jq� it, th� tilliq � pur brd b r east h, t _4 �: 1 l it utriply your Dlx D2 5 l: I - -) " dllplyt ,e .,p J ilyt, tyth? 7 , ;y . i�!.: !".� ­1 . - ­ult tyth; n-jt, - A J,-r; ill the pflud. P. . p:t,, � !1a6!q i 4l;li - ­:e; _h,,p. ih,s r y ­-, it'll tfe inrc,,�l jhvj- a:It L,L LIT :41 I I ;cur 1, ttel, ji 1, Ll Y the t 11 b I.i 1g 44 r A RIM un roy variable Annual Plo:entMt Rate APR) change? Y­ AA;n 'y i.qtDlo Ir'n Y:.fnn-xi z nd 1-A wt, t". J`•`. -1 st'nind i'dL, S. [I 1-1P, j ill ilt, V. Sl T' lutj .41� injn,. i : U. pal, LiA i,n. The bl),q junt :4 � th ej�j T, - nl - .k ih� t thinkthwi i l rx n o y,-,; bil, ­idt- .-h_-r yx, zdie%,e iF ­ nj !d h-,- y u �l , will th�- killt ,!thin (ha APR`,F). Thun J)1, tle t;..:" Code n eA to your When your Annual Y,,u _�, z,m_t "q wthin C :Lip ftl de enat Pp -:1 on p" 40 Yr,", "t Annual Percentage l,du whith your rates are based on Percentage Rate - in 1' muA mfy li A ,;,y "n- LL'Jitt )"t, ., ; jll I,t".y - zakt­,:: -1 It-, tart it i"j 4 Rate (APR) rhang, Mlut&q,ihej •` pt, Iflill '1­ 111d ;­ It 11 h-1 "' Fly 91 0 1(rt! ill Pit, e it qn ;­i­lty Jk-1-:1 I, y� TM lit �1 J,y i! 77 h,; t. r, ,r. , �jt. the I Al-ii: lj 's � o r-i th < -"! ­ltin 1­nn, �! t�p p � :;; all ll.,t o i t'dy U r ,igh t,, ):;I. J,ri­y. �,A, ;�!nd -.�Ibo , ­r, Al: ,,pp �Zjl�n erit, ld r ,'i ­L - 4-dwi x 5th 5 E .1 Lu% R - � Ill t, h Ih't pil Wil not ll� V, y tht ,it lt)tit ill �, 1 - j ,-, y Plitt it -I,- z, � it, Ft dt;y ,t �.,_h -INNI� • jz. ;.:., h.-Y, • r. py the 'r, iUnt i I �u_ -il --niA the JiPxt • Jm 1, yLI?.'Q ,, gin 1;ld*, veibj. n­;lJ;;,t,,,l. pu ,, ­p,lzid� 1,, de en �'l pli, 3 ,.'xy UKiR It gul peki,ii I - W'. ;,;, 'giv "'y LlrpJd ,;F DIFIt rj:jl :JeJjj (it; 4 Yo WON If You A. Dissatisfied With Your Credit Card Pundutss. 11 .11h ll,e p lr Are there "diF-I as-iat,ill lvitti isly it-t? Y ­J�, ­tj� y j L� synrRj , . e tl,,T p, It- ;, ­K ­ d with y.)j, l -d it : o d, ,ld yj,, h­ V i d in j„J h,id u ;,,,"t th pz-t: e,, vah L-,t ,l R -lui til.d Nyrtfil Fe_-. r­ ­y j t ­t 4 , I— , d t I ­ 9 1 9"t W th n p, the 0,ht n't ti Fay thx um� ,it rint du= an IN Pi !hi= rijht, A :,I - ru " the t ha." ` 'to -ih ' "Ut I ­- mia :_1 1-�!­ 4 t� un- I.Y", lizl ­ h- ­1 pa u�f ,,J the 1: lk i tx.- h - PL h I'�­-, oth 4. Now rio, 1lh, ­y put ­jw, t, _,,11ing ; Wittig r It tht ilk-A-t- - Irttoilyll, *,a ihxpi ,vt u put Ar, W J­ It, i:.--p y­ ,::,ant T, ­1d ly Uy il, 4: 'PiEll-L it _1, --h;r t Z-- J- ­ pto ­­K pui I, tit, enj A I "ll ill ."Llh it. k y.h,dtilLj T, to - ,61 P. D. What happens if my Aron-, ;, S 'y J­ " vu�p,d put --ul ,,I Y:l." d�kl 1, ,thin 5,ft UL� 'ity. UT 1 B*.' �5 till " � pply r, tin Jii j jC4zu4­ At'?, � filli L Dw -St A 1�iy - -.ild bi iiy it pit ll�lt it, V-di- A__' twu�pn�iun _,n t. T-n! -F At d" pal, it thn[, y­ ju-, p-,;,, 11 ,y �l, p, vy , I pli: pu r­� 1) A,w u4ilg put �; lij -xd •,m.d 11 .t, l, �, If, 'I'll, e'* . 37 den�'V '11 ,edit :,,Jy ,d -lay! ` .Ind 4) l:,y 11 --a- us, lhay. zJpftyj U :J:lnqljem. t it t�jLll1­;ir'­j A Host, dal Make pinnne.w � v "y t- " 1� in y-.-i ­P: ty :.h.g t� ."d 61, p., t,'T P pl., :1s. 'All. pu .1 'ki py" i:? *un ­ye =y Ltm, ylu us 041 A_.H :i: pyr ?nrd 't vi[ to Jedt, Lil, pu; t­k F ,y to plir t"lli Changing Address? Not quite ready to make payments online? Address ........................................................................................... No problem. Follow these simple steps to make sure ......................... . ............. I .................................................. we process Your payments smoothly: Home Phone ........................................................................................... • Don't staple or paper clip your check to the payment slip. • Ile sure to use he payment envelope that came with y o ur Alternate ......................... . .... ......... ............... ................................. o E-mail statement. Using a different envelope could delay processing. Address ...................... __ ..... ........................................................... • Please don't include any additional correspondence. Last but not least, be sure to write your 1 6 -digit account Please printaddress or phone numberchanges above using blue or black ink. number on your check. Always at your service ... cap„ffa, . At Capital Ones we're here for you day or night. No holding on the phone. No waiting in line. Simply choose a service ... — • Capital One text messaging — enroll and get the latest on your account • Card replacement —when it's damaged or not working • Travel notification —the easy way to let us know when you go • Pay your bill online —save a stamp, save a check, save the hassle Log into www.capitalone.com to take advantage of these and other on- the -go services. 500722 Page 1 of 1 1- 800 - 955 -7070 www.capitalone.com j Sep. 20 - Oct 19, 2011 30 Days in Billing Cycle l ( MINIMUM PAYMENT WARNING: If you make onlythe nYnimurn payment each period, you will pay, more in interest and it will take you longer to pay off your balance. For example: Visa Platinum XXXX- XXXX -XXXX -0036 Payment Amount Each Pwiodlf No Approximate Time to Pay Off Estimated i NEW BALANCE MINIMUM PAYMENT DUE DATE Additional charges Are Made statement Balance Total Cost $4,974.98 $104.00 Nov 16, 2011. Minimum Payment 23 Years $iis,759 $172 3Yeats $6,200 PLEASE. PAY AT LEAST THIS 4401JUr Your estimated savings if you pay off this balance in 3 years: 54,559 Credit Limit: 57,000.00 Cash Credit Litnit: 53,500.00 If you would like information about aed'2 counseling services, call 1 -888- 326 -8055. Available Credit: 52,025.02 Available Credit for Cash: 52,02 LATE PAYMENT WARNING: It wedo not receive your minimum payment by your due date, _ __-- ___ —__ _ __ _ _ you may have to pay a late tee of up to $35.00 and you APRs rToy be increased up to the Penalty APR of 29.40°%. Previou Balance Payments and Credits Fees and Interest Charged Transacti New Balance ! 53,020.15 — 5100.00 + 554.83 -f- f 52,11000 = S4,974.98 ( TRANSACTIONS 30OD36 PAYMENTS, CREDITS &ADJUSTMENTS FOR DOUGLAS J WANCZAK #0036 Always at your service .. . 1 10 OCT CAPITAL ONE ONUNEF i0-OCT (,s1CO.00) Pay your b1 online and take acvantage of TRANSACTIONS FOR DOUGLAS WANCZAK #0036 I these aid other on - tie - services: 1 11111 PURCHASE CHECK 1293 09661340 52,000.00 .Capital One text messaging - ► Total Transactions This Period $2,000.00 Card replacement — i Travel notFfiwtlon FEES Log into www.capitalone.COM to take Total Fees This Period 50.00 advantage of these and other on- the -go services. Total Fees This'fear ;0.00 INTEREST CHARGED ) IN1ERE5T 01ARGE:PURCW6 5 654.83 INTEREST CHARGE CALCULATION Total Interest This Period 554.33 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Interest This Year 5168.48 Annual Percentage Balance Subject to i Type of Balance — Interest Charge Rate (APR) Interest Ra I I Purchases 14.90 %D 54,477.63 554.33 Cash 24.90 %D 50.00 I s0.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121741857980036 19 4974980100000104001 Cep Account Number: 4121- 7418 -5798 -0036 Due Date New Balance Minimum Payment Amount Enclosed B E SAFE —� -- --- - 1 / -- - - -- Nov 16, 2011 ( $4,974.98 ' $104.00 Your trash could be an identity thief's . PLEASE PAY AT LEAST gold. Manage your account online THISAMOUNT and end the paper trail. t Sign up at www.capitalone.com 400009 DOUGLAS J WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N.A. l „ I II rr LIr r I I Ilrrr,rrrrl .I 1 P.O. Box 71083 11'111'1 II'I I II'1 1 11111 I I I II "I'll Charlotte, NC 28272 -1083 if III II'lll- 11 1111 "Ilulr'll'I'lll'll ^III11111'INI Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. GG3 In How ran 1 avoid paying I.Sm Chmv, E•,: .h n' ;,d, pu p uI "New E,I,n; in full. y u rig h­ , _..Jli�!j au, teleph:nr- n :,n n,.ntel 1 -9'5 -7-T vld p. �,i1i l y -.,u: ;ilalI,tian o au, - .a!I :ant -1 aum - ul , �; ,.. u7 J,y , : ^N - ra,.a- l!.hn3.::: ,^ I.w t,rll,- I. .I .. l I Ur 41' .' .t. I - ti In tn: - .J dj - - I. ,n7 .tin :. : m• t :m :F. [i ;n'Y. F -h, Ind C) th r h' 4 11 ! F j a Ill -uth rJ 1 rc - t t rJ LI ] m. ill - tn.[ -,it f y I, ,I t 7 J U }�w e rat. r.A F. y IU I t.11 r u h ; II to ']. rh: I ,,, ,31 .. 7 I elf! •far onl,.. Ir,.. th.. Fhan. the tusr-'J', I.. a it r. l,nj ,•' they-I, d - t-;5 ml Er i• ces,` L--, It.n•t- I- ,.na.Illy ,I,rtr,ne.nail vdl- ••N -:e•,n unp]t A - ,r•.. liarr I i,us till. rr rr': :]F'- 'Y a! h .. re.': I• 17 •: -r7 dr. t.nn VAD":I Cri= Now is [he Interest Chame applied? Interest :.h,njxs , rue tlau Ule 1) J,re al Nr V,In,;dan. 31 ],[= the a,en eat -nd y>ur :hct'. in Nt iytay-J IrlritDm;e enr-bpe, 'ynJ ;r y:; u; F= ,ym'eIa is I ah :,J e1 1- al as a,n,raan is i j v 3 ih st ;,knJ,I ]:y:A the tillin_J p%ri,J. Inte t;hn3 :s :tu- an .,,y unp,IJ,,, aunt pl : :.elltr,S ty'Ip, G:,! t ine. N,,se ',Ila,e It 16W :71 Cusi!:ess ],ys 7!I IF it J=liY rya h1,il -] I:'vylrru6 rni. P.. F.n;i full Th' n e,au.r, - int I : -rem a 7lu th - -[. H rail ;- "„ rr,IC. .°]tyIl y.:J „Fla't ,r-yaM I :I 11 :VIX t. ..][. ',: ..N J'l, ... I — _;.. then. tut id nS 7, so br the pra,iaus IF �ll Il. Unp,i] inure ;lr i3 s,:e ,JJ %] o N- plapel yeju enl of your A::ouru. Do you Process Paper Che&,; as an Elemmgic Ponds Transfer _arvnt= till t- .::-J pla: in unr•a: I,.-, r s: Y.',w2a,;,, :�I %.- ; a,yeiy inL- :- yt ;h,njei,t enytirre. ,Kiln y ^n' plaviJ- , ;hr :.k ar ;he;k inlaril, to n =: �-, F :rgnzn y_•u,u[!ur. u= a'n ,pasFa use the ._.; :n Ooyw assess a MinimrlIn Interest Charne Yee. d nAni;I un' IN TERFiT f.Hl.R:,E at d.�.'<: y4l to v ,ss -7 t:,r %,_h hell"r ; ail, :I ,ke , a,. %tin'- a:H C,n„ ;Cal ; : :Crr e!t ;tl ant. tun] u: ,.sir: :i ar.' pu: ]' -1 :ga :: au1rt. l ":e Ir,y tefn3p -nb] yan xalun=svtiata,u irr,_ :et :h: ,I =, ue d" -,Call r' the -?e ka,r n. —n . ye p.a.,..y . Fy,n'�.. ISS, ch Horn did you [alalate the II!terest Qcaroe iher ,le s tier,! :,kuh,Cana N,r :ne u =] t . Jean: in, yawl Gt,l What B I file for Bankr w l It •;,u ,le to CdeJ [a L'mlduyx:, FI,C ;Con, this :nrrruIk1tiuu k Ill iubrnnitlur. r h j 1 T j t L F I' F, A j t 71 [ k: The t ai y F.,I m.- ,n] JJ - ; I ' .,.'re” Ft t, ,I I - I' F A ,•- I,] -Y.t .a .I, C J 'rth rt 'k Y . :J U; p. - -:aJL Inc' r;g: anC -,au. .,,, 'I,I ..I.....'_.t,ny;.:xr ] ,_J',,li Ys! nnkl,p[y,.Can:; an the .z,up.,_-ultl I ­ ,r yl,; n�!n.y w,u:.lk a.,.rt,t.;: r- w,F1_, I,.r: 3•,t eepll' i't,i ;A th,t J,,. T= : %sul[ is Ne J,!ly r,,l,;e tar e,:h K -p —lit. Hoes: ::er, i! you F'z] yaul F :evi; u; --, x;,: jal d ea, 3.. • ,,k L,t - lip•, Vi=413 :2:•i 11 Inth'i C,1,1r.- inlull;;lily:,ult,L,,,u ;,s,- l :,r•, :Itiit ar :•unt),Ir,,; Irm v;ti :n =r.Ikh pA to y.,u! pul:hre BILLING RIGHTS SUMMARY 0..N otA ,ply io.S Rl :s +neu ACxvin,[:: a: - }!t.is c•n :hvs- 5- All 'enC ,er I.; :. y]7%. ^.G[ht, ;!,'tY!Yn : %i. Ah,, L,Y', ;d;;nt thy; :;re S y 31y:• l: % :i:;] What To Do If You Thir!k You And Mistake On Your Statement it ;.n, dt;nk Ci =!e is m , zror ;I ; t - j ta tile ilily t - lind y A ;-[ F Ell 1) :J M . t .. U. ;ell Ind.? Ten - It, I, U' A Jn de n. sun' ty M ull tat .i 7,y: tin tha till j „J. s E.tiu',. yin Ta Ir t t .hake. 11 r uhiFly yr n = rA a1a — 1;4e 9,T• t,,rce tythe J,';y periaJi :.!., ,:d.) a Adidy III r Ttyth% n :n tel at ]ay in the till Fig P.�. Eax; � 2: G,e r i:,I aing a , r "v.., .,..., -. _hl!p. Nis :�.r- „.,,I , , a,r U:a it,t -g :h:r_J:- rI -.r :My :!r L,k: tiq : - I"I F413 °5 ,_- ,.eeJ. h. • ,I l : :t[tl, g” usth =hnovil�_I il�t,rl uli,I,: Nov Can my variable Annual Pen,entane Rate (APR)dhiulp?`iau!Art IF ,y ln;i %,ye al]e'. tI - e I—o n= ld na ' .Az..Itinbnr',till l;vl n,n "e end- aun!Iiuu'tel. :0. ste:nl shn7nJ it ;es r- parr -7 in Ja!e V -VI Slreri h,u•rsa1. Ta tin] r,K:h ial-, ie used t,I y,vl ,:::.;anti I* ' Dull :n ,n :n,[ Thu Ja11,I IF uIt:4 N• -pe :ten ,stir. 1 a ;F;,urhtItjut al Niy y[-- :rr- Annstb Nt A,nR :!). Then_he:.k N= t.,tla t :luer � :! ire ;m;,tl'tit :tin- 1fy.0 N��nV:NeI- i;- ine:::,: ±uy ^uu : till, ]=:: lit -v :h•; y.0 tali :.ve iY .a:,n3 ,�d rliy y,. taliev:: it iy :11'iit,k:. Cade next to your When yourAnnuel Y,Fu 111A nta;t us within 5. J,y_,Icl the- uaripp %md ,I pin smr rent Mnual Penxntage Index which your rates are based.. Pen eq, Rate will . u!:'u,t rFatty us:4,uy l:ucnC,l rl ::nsii_1T Ylu",y I:,•;;r lr it use!t :nuni :,lly, tart it pu J:, v :e _s- Rate(APK- change no[IegoiaJ Gin, z: i3,[ -Illy core,ri,ltn:ny,n] p, I h,•rr to p,y ti. IF, IA e ill qu %Scion. P :N :.telly Mine n',ljin pl -via ly 7i < :la > -J L, ;;ru ih%lin.t 7,y at Ce tifinj Ni e,- inv,tij,t- vf!:aher al Fiat thirt h,s teen,,. ev,n, N:- bll:,,:in3 •n =our us L W;Irelly'EJR I :',!aiu p le%ial ly Lr.Gs:J u y,u ''�li -Inat vy to a, ;t"le,I:',unt in 7u%sdan,a!'pa1[ P. vs Jel!n:y,ent all N•,[,n:,,nt F- sd,[, -d •I t. . n my..- rrt -rerL, ]r, - -,. ,; .au!u, I,;hu ::u,!C y' nn Th, h,• jnr h, ;bs -]c, pia ,nu,I �.Ll, lutj ,I EVC A lu % E, ,:, 7a4m tn: I lr d- I n'!yr,ki.you,,ill [nt Ill, G p,ythe ,,, ,FnE ill i n hlt;ie � ,n :L IIk ", J Min' mjin F:e•rously Jis :.layeJG y: 'P.bt ;,!het Le. I -1,At9 N,:,nouut U F. ^3'INIy : ^f11•'e •,y. . S I :I JL.y ^a. - h..! .r].. .. h .t'.tue y� :: 7 [ h' . r F y [! ,J - I :. , n t.. - I, N% a:r. u - _7 .,.V F M,'N Iy LIEUr[ •,r3 FI' :, ., 7' :;tai -]G you ':I Nly tll yF.1ia7. ,I ,a, P.:, my U5D5 rr,ljin pledauyly Jis;bseiGy:JO l9e tml al:F!yvnywrpA.. ;I aunt uj,ius pot ur]i[IirrA. t, Your Rights If You Art Dissatisfied With Your Credit Card Purchases. it you — dfy 'die] wiN :, the j;oJs Are the Pat ann�H�„n�t E..f assvuated with myarcnuM? Yes, undrl;- rt,in;ir :unir,n :ey',u Illyte,ss,sse7, N,t pia h, pFaJ. sd 1Alhy,,ul :,tJit ;,,J.,n]pu!I,•r vial in PA PA iN to --ithe plUi;xith Llt� a; J ^,y+I I[... y,l,nry •v tee' I y '•[:J tylne Ile lr:�er•. de lijhtG th'n'- I.hvnt -y her- Nal�ht n_t n Fly JI . J V a.n[]uean the F"'! h i - n JM II 1 it ... :.-- s :•th.;rAI,aIn; * ;%,Fd x0%,.1 w•., y a,l rjhtr.�, , I,I I: C Me 1.1 as :mJ t V•iy .-IJ b: N - t I ..h - � , , :. N "t. How can I rl ^`° .a ar,,,:.,n', Y r',y _! • por ,.anti¢ It, .,II y : : v.a y ..u..0 :ter I R > - A'Fo ,] : AtM w;dr F .Mlle. - .. uuc .I..rz.na ,.,.,ul•i ]:, .r, q'„I ?y : Y., :n,'.I r..t ,.[h,. L ?Fyrtn - -nt At N,r aIr c;: will p :axJ - ,Jdti nil G h nj F ., y tr,nr inbll :',Can. It ya, use pu: :.IeJx :,IJ iulty 1:1A III tha I :u :lyev. It ,F A the :Irc,Ii, e[, „ - " „a r.' -[ •n:] you - cell :IimtiYtk.: vfN the l :u :;hys,,;ann;t v :hogs pit b y^:ul ,::aurrt ,ICI yr, A. us G :Ile it v ;n1 k:ep rein ,:;aunt ap;el. I, - -id { pr_4 ,t,y ui IF ,t ,pFJi;,tL= IF eu t%r :hip Lte -ell to are put ..,,an: pia, G Me enJ al Nr ck n rdA ;h A is >;h,dule] , L,, Cupd',! -, dli,j. What happens if my Anou ne k %e Illy :Lse n yusFe y— ,;:aunt e,,d pvi ri jht to Ftt,in yen Uk : :iq. UT e41 i:..ais 0.1eJ�[ it ,!:y till '• •ud y � - you ,fe not 1!I del 1!A- A -%-. 1 . iuip'uz;J _,n t- ?I %u, ai NVT rr inn :rti3,lr, th% ;ire Iuf -_ ',Vply G Ne Srplzed ,l!'a i! r finish a: I' F, .ry it y; _,b: .: F,I J._p., :[7):t,:u ,lest '..IJ u1J...,.,nC 21 ., - ,I ,II a +i4 - '.: FJIV•, A, :mod?:, . .,v. ,: „ nr]�yau 9a 1. iF;� , , NaIF:.; pytl' rriz. 3) Jeya y,I l; IeJt :. :nie ,Id,;; %s = ;he;k',,n f, d ply I] In ane. y,,u axe us, rr -nd they ..pa Tau s 7 :Inyul'it :h,I je] 4kwA >: — PnIA .aFI How do I Make Pavl nnts Ire t - i jars n,nn:., r r I ;- , 'F' t' _n - F , F t . - t- - F I -.., I - FI I 1 J 1, ,.3 ' ... - -- I'J - :,_n k n:,I,I . ,.Fn. 'I .a. F: t,G.I>. Ail n3hts l- ;clear n[J I. d j int. you' .,u•F, ,, i I 1 P y � ty Ind f'll - d M: ,li­ F•la pn 1 Ah:- I p., I It- , ;ha"zo p,y .n (h u.h o., v y :t: , .,., nh ,y t..r a�H I 'ele:aani'. Fusin.[ Ut,t will t- .1 it J IF- pul tv* ,: D L Fun]= 11'17 t- vJNdrr,,n Ilan pun t,:Ik Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ........... . ................................................. I............................. we process your payments smoothly: Home Phone ............................ Don't staple or paper clip your check to the payment slip. Alternate Phone ................. • Ile sure to use the payment envelope that came with your E -mail statement. Using a different envelope could delay processing. Address ............................................................ ............................... • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink, number on your check. 500779 3 ATTENTION CAR SHOPPERS: 2 4 R SHIFT WHAT YOU'RE DOING �--� There's a better way to get a low car payment at www.capitalone.com /autoloans /7a2b AUTO LOAN RATES as low as Capitaa�' 2.99% APR Auto Finance Page 1 of 1 1 -800- 955 -7070 www.capitalone.com i Oct 20 - Nov. 19, 2011 31 Days in Billing Cycle MINIMUM PAYMENT WARNING: If you make only the rninirIDm payment each period, you Wit pay more in interest and it will take you longel m pay off your balance. Fot example. Visa Platinum XXXX -X)0 K- XXXX -D036 Pat ymom Amount Each Period If No Appre dreate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $4,858.08 $111.00 Dec 16, 2011. MinimumPaymant 22Yeats $10,492 $168 3'fears _ $6,054 PltA5E PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: $4,438 Credit limit: 57,000.00 Cash Credit Limit: 53,500.00 If you vmuld like information about credit counseling Services, call 1 -888- 326 -8055. i Available Credit: S2,1 41.92 Available Credit for Cash: S2,141.92 LATE PAYMENT WARNING: Itwedo cot receive your htinimumpaymentbyyoutduedate, you may have to pay a late tee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40 %. r Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance I — 54,974.98 _ - 5200.00 + S63.11 + ( 519.99 = 54,658.08 r ill TRANSACTIO � Image Card® P letting YOu show through. AYMENTS, CREDITS &ADJUSTMENTS FOR DOUGLAS) WANCZAK #0036 ... 1 14 NOV CAPITAL ONE ONLINE P',T .1T AuthDate 1 4 -NOV (S200.00i TRANSACTIONS FOR DOUGLAS WANCZAK #0036 _ 1 189..-7 RUSTIC TAVERN OF CtkRUO' 519.99. •- -- r _ ► Total Transactions This Period 519.99 Image Card r FEES Create your own personal masterpiece- . Total Fees This Period 50.00 Just visit capita lone. eom /imageeard. 300012 Total fees This Year 50.00 _ INTEREST CHARGED INTEREST(NARGE:PURCWSEs S63.0 I INTEREST CHARGE CALCULATION Total Interest This Period S63.11 Your Annul Percentage Rate P Total Interest This Yeal 5231.59 9 (AP is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Rate (APR) Interest Rate Interest Charge Purchases 14.90% D S4,9,W93 I 563.11 - Cash 24.90 %D soon 50.00 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 10 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121741857980036 19 4858080200000111001 CaJ♦ Account Number: 4121 - 7418 -5798 -0036 Due Date New Balance Minimum Payment Amount Enclosed Dec 16, 2011 1 (` $4,858.08 ; $111 GO PAPERLESS! PLEASE PAYAT LEAST The trees will thank you. THIS AMOUNT Sign up at www.capitalone.com 400010 DOUGLAS d WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N.A 111H.J'1,111 '.1 III ... Jill "' IIIIIIIIIIIIIJIIIIrIrrrlrll1 'I Charlotte 28272 -1083 I fill V.IIIr'n 1 1'1111 111 .. 1111 t1-- 11d.11l ll ^11111111'1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Capifa/ Auto Finance 'APR is tae Annual Perce•ttage Rate. Rate, q-t- are f:ffp.,Pl Depend ng on the ircividtal's ex: ellant and ;thstaatia oedit and key tear characeristics, including but not inn ix to ar-ount, term, vehic P characteristics, and seler-.ra tie r1ll:Oma 7ed Pay -ten, Oo'ior it :he Billing Cnoire. seainn of your Iran application. GG2 How can I avoid paying Interest Chaloes E,;h nnIVI ycu p,y y,u: "N-r E,I - m;,` ir: Ili. y,u ,.VI bare , 1..,Vi -cu, IA ph,r- ; -nt >I norm -1 i - ^:: 855- 7-7C', IJ pr,nJ,, yjut inbnr,[bnt. ,I..,!I ut j�_ - 1-u 5 J - w each,:: -o, ,-\: I: [:n yrr' l: -, L - ,I .I txi 4 P - t - 'Y - t - T , Y_ n.. q.:]. - !J CU h:,n... t. V,• - {:; , G.n!,f pur.hu. -. JI17 <) Jm' 'h "1 -' It ,JU Il,\'• L -,11 p,li tg yJu' J,-- nl[ ill VI \':im 1J n'.I...S _ JIJ.. J�LI .],Id m t'Jl -r: a,L PJpI'. It. \.11 .1 J J,I 'J..J1nL - •au ?; :tct p'JY Y,ut till !n tull.::I:,r: r- J \:{ ... i= n, JI,;- p °Ib1 m :: ; =h . P,:r ,olive, :I ;,r :h: L'h:,n'• .f me tusirz[:: 7'J; T.� I z!se it •,v bnJ',= Vtzl ".t. R ]r CYS It.1 Er ,. 7 in a- 1:.h,r rr II to 1, Th.:; . ,+ 'o :,i,•.,n ;e =. spe_!;I Vanstel , ;u o, any n =v: van =sli,r: silo: th- l „n unpi, t,lana 1-r pmvcus till. F„ n'0i , p,y of ttre to c - - .--.. 11 •: . -n7 m- Ater p &,n of N How is the Interest Charue applietrr hn -!-1 ;h,t j -s ,;UU- ttm m, 1) J,t- 1 dr. 2) 7,t m- n,t:n -nt ,n1 y. m -n u ' ih,_I: in - J �,s-1 . -,, itt'nl ;- ,n,:•U1:-, ani D y, F[Ipr-nt is I eiv -1 in ,rtt ,1 ill. I d:m is pea =sal cr :0 Ulm ;,Ln7II 7,y it th, tilling Ga' J.IId- , -st:hn j -s ,::cue ,n -r, unp ail nv'aunt pc. -`ei!y :utter. ty 5pr I',:,! 61. -. fll? - -111- -A I:,n:71 L',Jeil:e =s ],y_� U! Irril !- livid'. M'o!Iz3 Ivy ;lr:nt= t, it is p,it it,M.fislr- ,tny,u, y- int- r,•st ;hnglay - -o it y ;x :p, ;the en[ae`flev: E ; ;,n ;- ",r- I,-th. r': -i\e7 ty us"!Iyctl[- 11]'.,ti:nof iI ... y:,Mer trinv: tt., lent- 7,s:!tl:c ]',; r.:,l .ei': =m -lr'- ,v tul l!1 It 1c s, I.r m- presi::uc bend,. Un;:,iJ int' - , - , zlh 3 -s:.- ;di7 t, it. pcper s- 7n' -nt,l ,, r A::cunt. Da you P..,, Paper Checks as an Elegmnic Funds Tran,ler r .-t -nn' rill t? pr. -s, -d in cn-:el t -J s.-y H'Jw -1.•. -me dyhtU nx assess im- r=r-t'l,tj -s ,t euytiu'r. P,�� -n r•Jr: �ni7 „ ;rte:.K:,r ;he ;K inlom',GOn to n.,h. :mrt•nC J ,uthaie -:e or ou, :J . I.. �- I , p . S• u J-n1s U u,a the Do you assess a Miniinurn Interest chortle Y,s. A I hin u,r IN IERFST'Hiulla ]! V, 5;: vil! t- ,-e -sr,l lcr e,;h ilu::urAll! U it vk- , c,.- rl:'= A,H it ,Vel -! - 11.1 lun7 :rn:y + -: h::rf S::en 7:- I::,si:'.:: Ju•R We I, y �u7y !a m. •d.nn,." r p ... m. I' tr -nt How did you CatNIM, the Interest shame Thee ,r- sr \z:,l :aI_uhrimsthlr :,e us,1 U Jet ! ioe lvm ual What if I file for B- I;nmta II ycu ,r- ,nddd w t' ;,bup:;y p: >l -;von, Ill 1"'n is tar htionl',bit nt,r,T :.hv:U -. 1. Tc Utt y ol. Ilk; e,1,1 -: I'll •rh •tjn 11 ul, me t- Ginning tul,n;- ,,Id Ad in n,w cn1y, is is t`It ,itI I, it U'.,Ilz:.t. x =ass , ,1 -tt T Jain'. Uc Int s „d a <F --'r with"a sp- ,Ku:.J v:0. I an � `p cJtr ,J-uC ". .I,:tR t�n, F,g- ,d c.itz I. .. tnh,pt Y,V J't'. pty.; ell ". - JI y,ul ,tU.ny s,J'11t- „[J.t x vp..; J',•Is �JU +t 7P - - ,n y, r. dd ,ryt -,[J: JI it,[1:y. Th . - ,,is th-7, IyYI ,, % r...h r.,n ."t. H,va -. -1, i' -a p,7 y:,:n p•,s ^;a s - ln:-. S,"d pl. o,e -'J li �5•i'[LA,ay, UT -.4QC" t5 nr -J : , n Jnm 's t,l,n:-it1.11 ::18yoult,l,n ;- sc:, cc;1; IJi[, tr ;ultp.n- wv,ne,_lictewh4F,1t c ul:h,st BILLING RIGHTS SUMMARY .D Nn! A"P!ryios•rt"Susi• AC'g A,; xe,r., ,.1 x.. t the 7,i;e CJ!,I:' Als:.vn:s��::nsm n ,r , rnt L - tl r .., l 7 What To Do If You Thin( You And A Mistake on Your stnte,ner t t ,J, m nk V,-,- i'4 , - , ,JJ jr,lh - dny t. n. Ju A- - .j Dilli I ,I - ,_. 1) , iJ th- ., ., t, sec, .- r ,:m rutl,l 7i•ri1- m- sun' ty tht toter ,17,ys k, m= �til!ing : ; ^I -. 3. 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[,11 t, Jos- yJu, a:oar, pd„ ro m= erd at m- ;r1- h: v,hi ;h h is a ;h -lul -7 U l- c,pivd _u, What happens if my Ant not 1< srA1�> VVe I ly :I,s- n zsprn7 ycul 'e: ;cunt 'e Id ; nn rijht U ,t[vin 5A _At> ti D;. UT F413.. �2.J - Tit ,t ,ny una an7 Icr = :ny I-,sm. -vn, it ycu ,I- not in iN,uh. A;;,rna Burr:tnsis: ;,n to ;:en:',n,n::. ! "•"nlz s', in:re:'V,,t -. it yy,r• tl.;es yF:ply 4 me 7isprt,i ,Ir;vm 'r 3 us 7 ,tctz. !Jtrl r :t iini =h :,w _.'p-- • S.!t ;oa ;.J:It6 JJ -7 J, `: p <dn Y. a uA a,Ap -- du ;,j n].._„tt 21 a ^.,IA \8.P1 ;'i. .J.:ioa k m ,Tp,:m ;u,JV.•- e'n'JU'a nd ;ou J, ,u: p,ysal ,; M n',d; pep cots. ;) dae5oy,II ;edt ;,r7s ,n7 , ; >ss ;he;t. lid 4) ply A ,,, uiv you a\:� us, er, n it mty r,l:xt y,u ,= J'Int,i r" ael ytt!th -,: ,etv:,s JS -i ,t suxpecdei. F 4 t l p ypx G,t- ,- Jt•v:•-G } 1 How dot Make r .l 'St - j: - - JI �l -. _F_ r "1 nkAC,p['JI ln,F't'. I'J...,,v -t 1J,jky pr,,JUI _uV N..pl'tn_._ P 't,], - ry1- ::3517 =-,i::ML ma r-, ".1.r'•,I.._ n p:c:rpzs.,M!en;::uI:,k,phone p,ytrnot mnu h,as,i ;a:- sp,nse ;'szn', Y­ ,:nh,Iiee Isr ini•Je[t an ZH cl elt l_tr: l F- ,prenl mot Oil to 7-tiL7 L„r y-i book ,;:cunt Funds u',y t- vii.7rn:n I"', y:,ul t,nk l,y r:- Fr,... Yu; Changing Address? Not quite ready to make payments online? Address .............................. ..... _ ........................................ :............. No problem. Follow these simple steps to make sure ............................................................ ............................... we process your payments smoothly: Home Phone ..................... .--------.-....-.......-............... ............- .....- ............ • Don't staple or paper clip your check to the payment slip. Alternate Phone ....................... • Be sure to use the payment envelope that came with your E -mail L� statement. Using a different enve lope could delay processing. Address ............................................................ .... ........................... • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please printaddress or phone numberchanges above using blue or black ink. number on your check. GET PAID.TWICE. 500750 InterestPlus Online Savings 0.$5 %APY* • Great savings rate 10 %BONUS* • 10% quarterly bonus on interest earned • No monthly fees Learn more and open online at capita Ione.eom/gp2x1 11 Use Offer CodeDLKPL9WDF Turn overfor more information and important discl Page t of 2 � Customer Service 1- 800 -955 -7070 Nov. 20 -Dec 19, 2011 30 Days in Billing Cycle l www.capitalone.com MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer m pay off your balance. For exarnple: l Visa Platinum )0(XX- XXXX -XXXX -0036 Payment Amount Each Period If No Apprordmate Time to Pay Off , Estimated i NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total Cost $4,795.58 $107.00 Jan 16, 2012 Minimum Payment 18 Years $9,971 $166 3 Yeats $5,976 PLEASE PAY AT LEASTTHI5 AMOUNT Your estimatod savings if you pay off this balance in 3 years: $3,995 Credit Limit: 57,000.00 Cash Advance Credit Limit: 53,700.00 If you uwuld like information about credit counseling services, call 1 -888- 326 -8055. Available Credit: 52,204.42 Available Credit fm Cash Advances: 52.204.42 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, - -•— _� you may have to pay a late tee of up to $35.0) and your APRs may be increased tip to the Penahy APR of 29.40 %. Previou Balance Payments and Credits Fees and Interest Charged Transactions New Balance 54,858.(18 — i - S122,00 t 559.50 - j _} S0.o0 _ S4,795.58 1 Renewal Notice - Buth Sides of this page provide important information about your rate(s) and hoar: your interest charge is calculated. — (TRANSACTIONS j + MORE PAYMENTS, CREDITS & ADJUSTMENTS FOR DOUGLAS J WANCZAK #0036 1 13 DEC CAPITAL ONE ONUNEFOATAuthDate13 -DEC (5122.00) Credit cards are only part l of the equation. FEES i Total Fees This Period sGoo Learn about all the ways we can serve your needs at INTEREST CHARGED Capitalonli 300010 ' INTEREST OIARGEPURCHASES 559.50 I -- _ - -_J Total Interest This Period 559.50 INTEREST CHARGE CALCULATION TOTALS YEAR TO DATE ,o Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Fees 11 k Year 50.00 Total Interest This YEar 5291.09 Type of Balance Annual Percentage Balance Subject to Interest Charge i Rate ( APR) Interest Ra Purchases 1490 %D 54,858.45 559.50 Cash Advances I 24.90 %D I 50.00 I 50.00 P,L,D,F — Variable Pate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ONTO WWW.CAPI TALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121741857980036 19 4795580122000107007 Account Number: 4121- 7418 -5798 -0036 Due Date New Balance Minimum Payment Amount Enclosed ORGANIZATION F an 16 2012 ( $4 ,795.58 $107. MADE EASY. PLEASE PAY AT LEAST Forget the filing. THISAMOUNT Manage your account online and simplify your life. Sign up at www.capitalone.com 40001 t DOUGLAS d WANCZAK 40 THOMPSON CREEK DR SHTPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N•A I III I I 1 1 I III I I P.O. Box 71083 IIIIIII'I "1 ' ' I'1 II 1'1'11 "I 111'111'1 II' 1 ' II'll 1 111 Charlotte, NC 28272 -1083 II IIIII' III "II "1111 I I "II'I'lll'II "III11111'llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. INTERESTPLUS ONLINE SAVINGS ca�l� -eank • Great savings rate • 10% bonus on interest earned • No monthly fees Learn more and open online at CapitaloneiinVgp2X1 1 S Use Offer Code DLKPL9WDF MEMBER FDIC " Annual Percentage Yield (APY) is accurate as of 11(02;11.0.85% APY applies to account balances of 51,000 or In ore. 0.11 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 $1. 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 he 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 $1 DD00 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 statements only. The amount ofthe 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, N.A., Members FDIC. © 2011 Capital One. Capital One is a federally registered service mark. All rights reserved. dcz r� Now wn I -old Pavinn Interest Cinrges E,:h :r:nM }',u Fey y,ut - H,r: P =4,rrla" in lull, you ,.ill I; - , When rvill you Credit My P- roerd `r rir Lit, j`.,•- F- •i,','7i jr: 'J Jl n,, rn•_;i -h -,yr ,n, i n. 1) F.: - .h_ , .- .t,I.r_ 3)' -LtJi -F,r'nlr.,•n,rth: Fh_r:r y:i n't� - . - !: -.. ]'., ,.. .n -Ca: big r,r tr7 F:r. Er. Fur.hoses un94 ):r'e'an,gc.Ily:uh,wt-lanp,yiug y,ur;,:,untin lull nim n, inr.rv;t;hvges,FFlin end Vu •F,nr,il'.•; p,;trr:b.v »I;h=Curin:: ]'eyx:ne;r!e:r ie r>bng •,:11 y,u ;=ui r:z btru'pn6un of Uri= don,tl',7yam nlaa hill iol u! i, F' rx`, r-- dim- u-t:h',g•s ..ilil tr s:_essatl. lhErv;s no g,� pr!.,'.:,n::,•h �[9e;rrer:[and)7Y :r,r:k in Lha =r:ao:e]rrn'itt4n:e[•u hnd 2l y F'ep::•nt!y r = :eir;t!n',oe i!:mr Fp,_ la�, v "O it u n'r u' '.r,n,. + -r thug, r: n .,n.a ., ,r... ,r.. ', F-,,.,us Cal. F .. Lr: t }•. 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Do you assay a Minimum Interest Charges Y,•a. A rriuirrun INTEREST .RAR5E it b:.J: ,'all ten'- '-ss-J t , ,,:h What it i file for Rankn otca It }:.0 ,r- -udtl r t-- a,lTa;t ;: pite_tbn, mi- ::nrnvni :i,n !s t,! iniil, Ad n tilingF- rrJy,ut,::.hour i:: sit -:[a,n in:la;lat:h,; -. only .!t!s flit ,rt,rlanF[r:.:;1!,:L r>css :rr ,ir. ton, s= tau- 'F,;aalu s:•j,:M,F- vkh':g v. �h n'e do you Cal Ill r„late the 'merest Chime? 14`.- rrvla , i :,L'e - g n -� yu`n tunkru t , ^:,ru:y;![h- F.,!!CUCr bn"• "I ,in M d t' I e - t :. J F y "ou; trine} y , ., Iry:_y ;,r - n-m_J r: i r ,I' :l,r ,,,u! d, 1, t,l „_. U ., t r, v T11: lr t g u.h, t,h t. _ru' •r J rva, FJ :nr,,:.r Felt - • ra E. Y ., E5 • 5, It l,k ui dat3” JiuS a`au,;tinn mi thx 1; l:,Ji: 41t :h,r,e :m MtI F:,vi,� J DA,n:e, m -n .; er:tv ,,:y KILLING RIGHTS SUMMARY ;Dw`: ! +u: P,oP'P iu S Rur,ass ncc'�_.ns; F..ru',rtt; r•] S h,t , -. '' - +,t Vw - Th sift i; the t' :,rce t t h -y r H,v:r, --• I ,,u What To Do It You TNrd; You Find A Mistake On Your 5ta m trent u N If ;emld Ihn: rs :n n•n ;,n m yv n pnJ y.tur pr.sLl s n',nth9 in lull;,: it r;ur t r-, — c i it, :'edit �rr:'Lra, rte`:: u,ns,:ti;r'rs vfii;.h {:,et :b[- na'nLailtx r user. r y-iu: F:n;h,s- ,r srla i,•1 Fur.t "se = -gn eur = n,t,Jj - d r, dr :,it, i ids,. t.malign- m,[,t- sutjla:t r , g ,:r = Feril ,m "I'Jid r tha Jely t,l,n:a GFit,l ;Ala Hza. r Ili d y -'u, .A, J,'!tuily Pal la io:1i,JJrlyJ,ily telv!cla- rgediv ti; ,u:h s- gn',nt :"IJ 2; dkid - thl sun'ty .. m- nu.. otJrn >;nthrtiiiing i,ft L',k- Irv, ur:4:3:,, mn ?:dry "d it c,:h tiling , @, ,:e j e«rin, y ur t!r ^,:.heel Ch ge s blkns ?).r uriply y_ur he ng: 1F F,!e x Il y,ur Pm—, 3iw u=thl 6li,virq infir:r,dnr. " tyr : - J,ilyFyri,Jkr�rV13:1,iiedty 375) I,, thets„ renCv d''Iu. 11ilyrrcresukt ythrnu:,ts'ot"'r ill the A::,u!r:inrr, n' riunre " la juJ ;iL rtou:'ter. i ' cyiDJ. 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SM1ile y.0 d, n t thug r F',y m- 11iunt !n i. -1 m u ril rx -!:J y`,u „ud:< ,t,ut d,e —Du? Jt iur Lela, Rew•r -J P,,, n[1ee yl uy Liz. tl r•e ir• -, u urr' ilr:J ty 1, r: th- t, -er`, th r,tt r-.ut m sC;iA 4.u .r; .. - Fu !'L'I- rum -r: -n, d. _l y,u „Ilalas v:iM,ut l n;,d:e ,id v.W :r—Ai:q,ur iiiha ,ss-resasin'i!m lee rq ?:,n,1:ly. ,n',uut,g,inst yrur :,: -Jir lint Now an l Avoid Membership Fee s T lI , Ranm:,l ll:t!:e it Fr!n1eJ on cola lt,n[,t tfi -A,tn'err, P. n',y,`. -,iJ e , tliMln ,y: :, r� ir. t y,ur ill =land l -net. s:•: v yv v , it n,d:e q:I,ining l : -n,rer h,r nz ;,u [eJ m< paying an arnn„! "lan'L l- et}'_ ,nt',:ting:u,rr- ri,•r,i:<rgn',e thin 45 J,ye ,Itr r'e l,;t J,y in [h-d!loy :r3C ,F:d 1 'rt u' y:w'n : st_t,r- n- un::mlar • y -n:s r:e t-lirv-M-ti!li::.n.e.r- :yJ, id ty ?!s =P:tn'lan[ i, „_`d F.'ying , u',trtNy nan't,!ehiF Ire •• :onC,t[ ;usr:n e' Sr`.t.e ,rt }tin'- r :,goes: mgt s:a :I,sla yrn r.:,unt en9 ,:v ..i:i sup ,-- la =:ing y�ut n'nrray Your Rights It You Are Dissatisfied With Your Credit Card Purchases. it you „y Jisz-,diheJ r :ah [he u,o's ,t rautershic lee. �a th'n y,u Il Fur :h, J vdth y,ur 'ae]i[:,,J. gill y;u h.", Wel in g >,J Nigh n :,m:t M- piot4n with u me F. h' � th- • gh: n,t r p y Ih rq' •,,urr: Ju n m. u•e ryh'. ill N I .. e. 6rrm.,e7 y - - - - R[ t' - t .4 C' - - ' y ,. f4t II g o I t t. ua,. d r[ ILq.I,n,ry,JJt 'I CH' i l Li gt r F yJ t t J[ r. m h g, r 1)lou ulrth -u• =l yin: dit.,,JI,r h,:a P-h - ',I,,.rh_,- h,dren. = ni ATM ,n:'m, :,tly,u ,:e `:, .r,.dn _. cur 'nu't,, ,,u ,._,m. At, ,-„ ku ,, L -•[, ink.. ,. y,m Lm: , -,.:.. -.. .r. -:k Mat,:_.- •- =y,ur:'eJi::,d ,::,ur, J, !:x gw,l!1}; ',nJ What happens a my Arco, is e,.s4,.rd.dt ,hi nroy Jill it su-F loud Y. ,::,urn =n,d your right n,tt,in :,edit �, r : - '!it y ,... , _ ;.. - ^" „tutu -tr e; lull In m, y'r;rh•:- n, ;,y un'-,rdtr It lal the saa'i =Jtive -rvn' -n n]y,u „ >tin d!s ,n:1;: -d rich rte urh, .:.,n• "•u .., ".,c .. : r 8 y-,u 'rte ru; ut d,teult A:,uunr -us ,radon :,n to ;laury tt n [e:rpvny. 1! F - . r.t ,..'I:.0 -! -!.,:- u- r•i T_ .Tit - 7 Al jLtzo t.. n` __1 1, riu t7,u ,v u. 1—i. aft: rh- ,:Duct es d,er:,r suspr:aeJ. :,h L,L^ :ity,ui 54t'3" °ZE; How do l Make P t 7A[' 1 'y dl hill ur, ,pn:ir It UP.t UUF,'J t`` A, n•, ur,r, ill aunt VV r,,, - r: r ,, l it a_- is ::,- ul —iv L4nih w :- ma;,t, t5: •, - ,y {ply r th= J •F fi -d lluun , J'•.u= ' ^n Aft-t fin , ti aJi ", ty going r va:•,:.:,Fir',I': nui,n „d r: ggi'g k:U yorn ,;:quo; "• :ig,c,n. ra +:11 r_!; ;o, our JeJAiii. Ar did phtt, it r.- crick y,u ov:- vu erg ,u: a,i d you Jo nx F,y r::: n',y 2) Id iyilm ti il,li!y9- ::'.'Cloaf 7,.7C'n!Jl:,ll:n•Mq th, voi:lo F.n pts. 4'h -n}. n',ke„ rzl:,u y,u , ^Jr.i'quent. Fh,n, :.;•n -r[tN xuh - ,.,rq F r, ylu urrl us r . irftdY ,n A'.. r.t. ,F Cue t A. - p U - t +- - ',t -- Le i -t tJ hrr yx,` [ r`k • r rt Fur J: n u,.e +.hind• „a I.,r ••,:u ^ Fill ' the s, ' J,, ,.: - -F ,.:, to , r.d.. ,Ii; -g l.. ..,.__ u ' ,I- All r l F par yy,r, -rat 3? :,Iling,ut I,Np sue uLe,ter yu' L^)_rr. ,ti,!: r,ur rlap- zlantsdvla: 4)M1:y,te:r_: tyn - rr h,:.'J l:a „!:tG My ili!t side-sFu,iJe],nde Er, Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ............................................................ ............................... we process your payments smoothly: Home Phone ................ ..................... ..................................................... • Don't staple or paper clip your check to the payment slip. Alternate Phone ....................... - Be sure to use the payment envelope that came with your E -mail L� statement. Using a different enve lope could delay processing. Address ..................... .............. ............ __....................................... . Please don't include any additional correspondence. - Last but not least, be sure to write your 1 G -digit account Please print address or phone number changes above using blue or black ink. number on your check. 500591 You're one OK2 1334 S�19 RQ_ = of a kind. Prove it with Identity Card. - Bs1 a P4tt3)Nry6@i3fr Thanks to the new Identity Card from Capital Ones', merchants can i see your name AND your face right thereon the front of your credit card. ' Image 1 . i F Card get yours today Page t of 2 Customer Service 1- 800955 -7070 Dec 20 - Jan. 19, 2012 31 Days in Billing Cycle ) www.capitalone.com �- MINIMUM PAYMENT WARNING: B you make anfythe rrdninrom payment each Period, you Visa Platinum XXXX- XXXX -XXXX -0036 will pay mare in interest and it will take you longer m pay off your balance. For example. i Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total cost 55,578.64 $122.00 Feb 16, 2012 Minimum Payment 19 Years $111,246 $193 3 Year, $6,952 PLEASE PAY AT LEASTTHIS AMOUNT Your estimated savings if you pay off this balance in 3 years: $4,794 Credit Limit: S7,000.00 Cash Advance Credit Limit: S3,500.00 If you would like information afoot ❑edit counseling services, call 1 -855- 326 -&055. AvailableCredd:St,42136 Available Credit for CashAdvanres :511,421 LATE PAYMENT WARNING: Itwedo not receive your minimum payment by your due date, you may have to pay a late tee of up to $35.01) and your APRs may be increased up to the I Penalty APR of 29.40 %. Previou Balance Payments and Credits Fees and Interest Charged Transactions New Balance — — 4,795.58 — 5130.00 + 5 S 567.11 J .I. I� 5845.95 = 55,578.64 J J 1 TRANS k CTIONS i PAYMENTS, CREDITS &ADJUSTMENTS FOR DOUGLAS J WANCZAK #0036 Image Card° ... letting YOU show through. 1 14 AN CAPITAL ONE ONLINE PITATAuthDate 14 -IAN (5130.00) TRANSACTIONS FOR DOUGLAS J WANCZAK #0036 1 20 DEC RUTTER'S FARM STORE #3SHIPPENSBURGPA S10.10 2 23 DEC HOT POINT INNSHIPPENSBURGPA 523.50 Image i' ii - - 3 24 DEC ^+. ^.! SUPF_,RCENTERSHIPPENSBL iRGPA. 558. 71 4 25 DEC. BLOOSIJSTERE :VRESSSHIPPENSBURGPA 56.36 5 26 DEC BLOCKBLIST EREXPRESS380- 3002128PA 51.06 6 26 DEC BLOCKB I!STEREXPRESS880- 3002128PA 51.06 Create your own personal masterpiece. 7 26 DEC BLOCfJSTEREXPRESS880- 3002128PA 51.06 I Just visit capitalone.com /imagecard. 300012 8 26 DEC RUTTER'S FARM STORE #3SHIPPENSBURGPA 51233 J 9 28 DEC HOT POINT INNSHIPPENSBURGPA 524.10 10 03 ;AN PA. SCDU ?17 93(1i103PA 5672.17 I INTEREST CHARGE CALCULATION 11 07 AN RUITER'S FARM STORE #3SHIPPENSBURGPA 535.50 ► Total Transactions This Period $845.95 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) Inte rest Rate Purchases 14.90 %D 55,303.42 567.11 Cash Advances I 24.90% D I 50.00 I 50.00 Transactions continue on page 2 P,�D,F - Variable Rate. 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 4121741857980036 19 5578640130000122000 rCa Account Number: 4121 - 7418 -5798 -0036 Due Date - New Balance Minimum Payment Amount Enclosed PAPERLESS —_ --� " - -, r i -- -- -- - \ �' Feb 16, 2012 J ( $5,578.64 J � $122.00 J STATEMENTS � - � PLEASE PAY AT LEAST Stop waiting for the mailman. THISAMOUNT View up to 13 months of statements anytime - online. Sign up at www.capitalone.com 1 4WO111 DOUGLAS d WANC2AK 40 THOMPSON CREEK DR SHIPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N-A. I1r 1111 1 I I I I I I I I I I P.O. Box 71083 Charlotte, NC 28272 -1083 n 1111 1, Ill' rnlll' lrhllul rllulr'll'I'lll�ll "III)IIII'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. f - - - ♦ t Caplf+r�t¢" ' ' Image : Create your Identity Card today ... Card O O O Log in to your account Click on "Design Your Card" and Upload your at www.capitalone.com /imagecard Choose the "Identity Card" option favorite photo of r.. you Don't have a login? Click on "Need to enroll" to register. 2010 Capital One. Capital One is a =eceral y reg's-e'ed sevice r^ark. A I rights reserved. 0U2 c Hon• un I Mud Pairing - :n ing Nrterest Charges i nth r : .s u y pu, 'Ne, F�!eu:%" in M, ,--,u v ; h`n^: •i When w G ill you edit My Pavrrent air, unj- I,.,:iY ;i 2i a:• ": +atl uirne•: x,h ,rp:it, 11 p. h:: e' )Y.,I -. ,.: r.,,i, - . 3, :,., ,! - FIT nlur,•,,: d•,. n,n- ,,:,n:tr 7 ,,s,.. - .r :.t `L•rj,, ;h.y,r•r ,.: triF.rr.ET. pm:hr:e,,,iJ4j:U:el:h,ye,.It : uh,Ye tren p,yhIpur,.:,ontw full vim n, inu,- t;h,gs ,pplie7 ,!d pu F ;r '•,i J p,yan,ras. ,;,f the bAn:." 7,Y y ;>i,!L,Y s: U you r.M d, 1:.a_ prdon of INV 7, n,t py pu, n -:a bill I,. 9,I,. t ?,e]ira-ra,hnyes"0to s::•` Ili - 4 1.191-­ pe!it•] un:,Fh rd,,;eas. �t�,trl e:rJoee]r tn'ht'et:z,nnb:a,,n72) put p, •'en; i =re:zh ^a in',rre It :.1 ),. =,It;r 1:r ,r ,n ,ny n. y ✓I- •,:•h %nth -- ": un.,'.t t ... ,n ypre uu`tl.. E :in:'. - :s. [•.':n bl Ca'-'1. -„-' :,"7) t,=n.==",, +In r,l • -I •: hS ii -7 l „t 1. y n Hose, is the Interest Dlarue applied? Ir, C. ert; h,; j-:',;:, ut1,I, tIh -HJ,t- of th- u•m •i:l :n,) Jate Ire !....:, °'tyus•diny t!i- ,l::'etr.,:,,in:rry:,tn iunr n':; n_r,t_:re7h ]•r,!rlh1yy,%r%: th=n'. g• nr,: tl, n isp,,: rsse7:,: i; fl: x:, 1-; dndq A the tillinjp -,i,.i.merest:h „jes,_:.rue neeiyurlpvidvi,;rt; Do you Process Paper Checksas an Elearoni, FundsTranAer 7P,ymzrds,.illt %prt J!n Ili, If n':, ,'., y ": ..td it i, pnid in lull. Thi= n e;ns pu g',}• ore interst _h,rjes teen it pu p,y M? w,IJ,- `ie.; li.6 =.' ,!c- :rind,, WTfm pu pwi7e a :.h%:k,; :h:k in!om -_.bur n'st: , p,p -'it ;a authxie u, I, oo: •r:ar!sn us- the tut J:7 r;:x 7a `:, •or th %p,nb ,: r:,nlh UnpJ _, t,h- ,. f7:7o d';l ., .:�r.K. .,,._,, u. !,A.•u,d:,:L - ,k:,u,.en- A:Hr„" rh,, I, ,,Jer d t-L tn:7 r.r:.r t, - : , r].{.,:t,_.u!rt rA. it ,Y H)w,.,r, .. ! =: -n2 [h:: n jhl b u:il ,`: =: =:nL'•:t�i ;?t',ye= yt::;rYti:;'.. y,: znt ,Y -, %he:ktr•�n •�:rJ_u. Do you assess a Minimum IMeresl ChameT Yes. A n inir.,nn INTEREST It i *,' ,:ill tt ',s =ess -] f:a ,,:h What a 1 file for Pl�n.n otwi T II ;� :, 2l t i:j t! tautu;t :Y p„t: ;V: n, dC, :: npt [, :.;;1! -_L •r� - ,7 %t[,: J,!u.(o:r,t s-nJ u; p =r. ^:out spcikr'yeh !::_ lilt � ,st .:::; :::,v:r s•-r•': r9., Hon• do you Calculate Me Interest clil tN- ur I:'MAA :ullt7 Arnej- 110y nAm :iIIIIIi a -.; pu; b!nLurl y,ir•!;ry,; [he F.anqupi:)'::,:Y.L :t,,u or pu!'utn,r!xY WIulj IiL. t :Jra,;t III t,nk,up'.Y :hi. ,;z ° - „i:tr ii, e: tlY, pl%.. se:.,: m,: t::, pR, l :n,- •.^,?E:as:'C:i•i,hr,l'x'hy. U7 °473:. - i::,i o- ns,:dons) un7 %r thi . > n'-d,od. .tint >,b;1vt- y u: t,ilYtahn:e; jn J d .. � ,7] i, n-n C,ns,;d:,:ts "o th.z pr, ,AL irri -t;hq? In M %p: %•4,.: J,y> b11:'n:-, den:) l ,nry DIU ING RIGHTS SUMMARY;Du,s HU! P,up!;.•io5!r ; e;N 9usi,.•e »ficevr, ^,u; nr tht, ;- , -;a -ra of h1,t Jr,. fn- rr.uft ii Me J,ily t,bm:, t,r -,:.h H,e,er:r, it ,,u What To Do It You Think You Find A f liailt On Your Statement. It y:u dll:k b,,­ is' "t lefts un ,u, p,i:l p. •nu uI uth's tho- intull:ur!1 Y,ut LnI„' ; -, Y.,I„, :.rz]a,n',uru), ntv: n,nn,:tbn, V.N.A posl ,t,C:r n us •a: U ,hus _ i,l y,ur p,: h, cs, j:r%,,;,e "It ,]9z]c:h•]- ril•_•t,l nes.ks..liv,:t!ll. :ui-:tb , jr,r pe:i,] „- tut ,]7 o th% J,!Iy t,1r,:es. tl UtadylifA.a,j%D,By k'',Im; ;e:1 ;,-,J dv 7,ily t,N!n u ujedtt, b, ev_h sejn'knt ,n72; 71,17 -the euu.tY P.O. Eox 3:241 da nwrta If 7,y = in the till inj ivh ;vk -!rY, ilT S47 3F.C2Fui ?i n,=:ni It- ::h t!I:iny :!e. a .- inn:!n. %,,urh*,5Zh,,gblbl,,11 1. uhiplY pur Ar,p [s:f: F;!n,:e f.p-a lrt[r,, Ji,•: us th- !'llbi!a it_c,A,,:: t." MI I,i!yp d,I:me AIR kii,J ty 355t br thvt s-j,' -.till D ;rultl;ly tt:, r- suh ty th %nuutt, It 7,ys uIN k, jui, ill! ITIF it l Yuu, n,;:' j1d .:: •uni n:. n. t-,. till inaperi:,]. N: Ir wze,:, un] iug,,,, rrri; runiuC :r- t:.[,,r,u, N :l „tt: Ill !r,y v.,r: !,',:r ih %i::Ln.[;I„r- D:I:,r,:r:::.nT thsi;:llv!yu :,uu[,'Ct =uspe:e: Ill I,. ,_tu,1i :I. A,in,tP.tlerr -,•u think Ji,-re is bil. distil- v. ,ti ,l y,u t-liia, is ­q efiy y,u H_ an my Variable Anrxtal Peaemaue Rate (APR) change? lhm A:71 n',y i­,­ o, ]r,t,n tsd,,: ,nr o; teli -r hi =, a ix,kr. - rhe bllurn,j r-pnC] in7i:ts ;,tl:,,;e:l in T!Ir• VAiu Sireet :o;. T:, fin] nIii:h injt. is usr7 t:,, Y-1 ,:: Iuut, Y7u n'u,t :n:t,:ius Within 5:: 7'a),' Itn, 1n, euor ,l:pe:n:] n, y -,ur sfucn tnt b,kbr v!- a:!od -ni tre trot It lh!, <,r=n ad naar pu:IPKs,. th-n,he_k t,d bn. '- rou aux notlfy u, ,f .- ' -n ,Y F.,r. d,l -u„s ,:,iti;u, nu n ',Y.uAl us It ;::rC:Y u: 21- t,nk,lly. tut A Y,u 7:; code and to your lion• do we calculate your AP AW When your Al n,tI,quit7 t,! 1! 1,- Aa, te, nYpti ,d,inr:,wdpuitIli-,rwpr•III nnmrtb qu. "'Aio.a Wt. sill wtilY y,u Al I ndex + rtorgin rpreviausty disdosed to you) will change in V.,Nili;ji[ hill K 1.ye,l ,ur r:•_t!pr It put later. !' vTiile-u- .- ttij,[v:f,. ^te;:,!:u[Vi%:eh,s t,en vn:;::,;.;h- !,Il;;ni,:g,! - r (air - e R,C- ma tint o-q A th%cili,g p -,zri d:,[ ,I., L ',;nth uKA r IB, e;,J in Jn!., Acrd, July, enI 7.t '`.N- -iin"r ty b:,Ilr:. nth ,n - ,:uut i,: gu - ,Gon, o: ; -port pu „]-lingu- nto „th,t- ,:taunt. I, >nn •F' ..I:n rn -!i t7)'t N it h j -i a t,. r yrl ,,, io.r `sTA 7 J a ,rye yin n~::: •t „!It cunt F 7 nn,I UE'S1 ,:C,I. tlli, [ - '[ - - M,I ,.,. ,n A,L-. y, M-Ih _. t - ,d: ,, nut. '.g ti,u, „•,)rb- R,•,ti, L. r.l,b, t, Mere Additi,-.1 r o. assodat:d n my armint? 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A pu: s -> Its, v - th, ,pb I, A, d ri:h,ul,;,i,dn:, our dal .., �' Lr In'. . v....ym; u'pi ., �.,' ,.Lly - , 7 „rounivj•r!rt put :!e7h liu'+ How ran l AVO!d Merabenhin Fee, T ll, Roinm -- Ill: rti: -itp: inte7 xt 0c!rnn If [his st Iru -,4 pu n,y,•: :f ou„e_ -iH, If p., lrae,.,: iil!s%;r]yvu i,'b,;.n,d;,-xAiiininj<iltui th:i n2::a; -tt7 the I •yn,j „nn,ul t.' pl'•ty.,nU.G,y: - - th 4'7- II t -t7' hII j - un;b n, y,u•n- ,t -rn: •:np -•M: r- - - f,e. r,:.hr yl [, r.�r rr.0 a't'h,tr I y - „ -, u_L, „- -u,nj, nJty rh'F I-e, - o th, j v , egu ih',t :: I y ,,,; s..r 4 ,!d s:Y 'A. min m,iry •.) - , Your Rig Ir You Are Dmatii,f VhM You Uedn Ca d Pu dl 't y,u : r a t, :: ..Id! jr -1= It U.,na:t th', poll -1, nfth thr r!'e:Yr,nt you ­y h- IAe tight , It t, p:y This !if, inioI ,rr,:nt 7u. „r thr pt.:h,se. T, u,- tAi, !!jhr. th, How ranl [Ina. My, s.rr,r�,n y, urn:,: nrt,_ L,ul:,r- :i- !,i_- ,nytir,etrtz:luex Ci,r re;l;»- y Ai IIIDN - iu', if u:t t, UUe: 'l till - _ '.' IIrx1 .i, ;n.n,y,]]irim,ISt :p:p,::,Inrt J- 1; le, i;ch,7inj tal, u; e l 71..1 iut,:rr,lin, In elites. n- ,senIte d„I it pu,sjI -] h -,d "-h g ::,wtt,pur,_:.JUlr,t[I, pu 'A us o JI - 16k, va :,u kaae p:x 1) YI, rust h',r, ust7 yVUr::t]h:,:]t,r hi u!-h, P- h• -s ;r, 7 -s':hh - ash ,7v, t hon ,n ATM o, .:ithv ,,•: unt,px,;. J: kth„•r r==-=y- -ur ,Jit :,d •.e::,u!x ]I nut gu- ,lily:,,r7 What happens a my Ar'rnrM H cr.speed.rn t,N`; nry:b =- n sure -n7 put r.:,unl ,n7 pw right r:, utr,in ;rr7it `r a ruR n:%}• - '. ,! .0 ; p,r , a p:, . a.e. 'A uny tnr•::;db„nYr nn,,- v- uh):,u'„r.n'Y. in 7tt,idt A.;,u;rt,u,p'rnsin,:m tt p- ;;r:n -n[n t- ;rp:,,y. l! 11 ,11 u1 ;hr „ lb - -!r -[,:1J Y. ", t:ti:l]iss pu::hasr.:.:,r:;v;t us j;L ':I . rre: 5us t, A . , =t,t, u',:3 y, "id - C n:.1 all .0 !, ,T.. iT7;.u.ry,11:..7it,,;I nd,„,...he,t, Ird 4'.,y Ill ,.',,uI ue.,,, d thiyr,:,- .hn; - t.J. C.x3....� vht: tht, ,uute:ar' Jr quip -g]•d. ivh L:k <:iq, UT E:473'� "2:i Hon•dol Ma Payments Ar ,nun'r, -,u n,•,•d,-n'inin'un, ,, •r k S 1 . F , F y ,C th- Ut,t unp,i] l'.,I,n:t. n ,rr; ,n ,te. tht s. ,F P[y n dx Sr{: 5.7 , _:r.,[ , _� . r - .:J[er : nkh .Nail: ••n'e ,u1 -= ;r -• - . 1 t t,m,at. r,;r n >naYh!,',7 -.n sv- nlr:,y: ^J:,uE.n,rr.xil: nil y,v our J- :cim.+a[1 it v,�Mink pu o•:-ea = arovut.n7 pu Jon m )adinz ty phg rn,•,;.:,pir,l':,:- .:,n'ad iuji;:j i;;U pu; , ;:au,¢ " p,y ee rr,y .iT'rl- ph,n,voi :- Rp ry xsusr iy >t:n' ]i,liry7E, =- 355.7=and II11_minj p the r,ke unp['. Whir, y;:ut r vk -, :!y::m}nu us 7:!!;1qu>nt. Fh [N h, },. •.pu ,,th,,.c -,, r rt't 1 I.... -F .M t - ? - u ,t I ,T;, r y d bit t to 1 "r. ..,.:n Fu,7:, ,,t- ,nd:7:,,a l;,n, ,r,., -..., n,.-.x•.' M. „r. .,,,T,I 313!Sry ou ttl pinnt uurrte, I £ [:- 3557[70 ,nJ p„i7iu; }viii 2d,ll! A;I :b 4) P:,•,re: x; ty n,il>h,. d7 to rz,r. o d:- it Ahty ,77:e:: pi' eJ ,r: d,a t:;s,:n plum :d this ,r,enxnt FTC �:4 Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ............................................................ ............................... we process your payments smoothly: Home Phone ............................................................ ............................... Q Don't staple or paper clip your check to the payment slip. Alternate Phone ............................................................ ............................... • Be sure to use the payment envelope that came with your E -mail L� statement. Using a different envelope could delay processing. Address ............................................................ ............................... •Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink. 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 Ga Page 2 of 2 Customer Service 1- 800A55 -7070 j Dec 20 -Jan. 19, 2012 31 Days in Billing Cyde l www.capitalone.com Asa Platinum XXXX- XXXX.XXXX -0036 Credit limit: 5 ?,000.00 Available Credit: 51,421.36 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance. Credit Linit: 53,600A0 $5,578.64 $122.00 Feb 16, 2012 I Availa Credit for Cash Advances: 51,421.36 Previous Balance Payments and Credits Fees and Interest Charged Transactions New �Bala- 54,795.58 — 5130.00 {- S67,11 X845.95 0 55, 578.ti4 TRANSACTIONS CON TINUED ) i FEES Total Fees This Period 50.00 INTEREST CHARGED i INTEREST CHARGE: PURCHASES 567.11 Total interest This Period 567.11 i TOTALS YEAR TO DATE Total Fees This'fear 50.00 I Total Interest This 'fear 567.11 1 j 500008 Caputo/ what's in your wallef7 It could happen to anyone. Make sure you pay the amount DOUGLAS 1 WANCZAK due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES ' be BETTER INTEREST RATES by I payment. (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) CQ 2011) C One. Ca1,isct1 One is a 1cderally e snwice• mark. All eights re M'ed.. _ - _, • ,.ter`\\\\ : . ; Pagel of 2 * Customer Service 1 -800- 955 -7070 Jan. 20 - Feb. 19, 2012 31 Days in Billing Cycle CO ' ll www.capitalone.com L MINIMUM PAYMENT WARNING: If you nuke only the minimum payment Pach period, you will pay more in interest and it Wit take you longer to pay off your halance. For example. Visa Platinum XXXX- XXXX -XXXX -0036 Payment Amount Each Periodtf No Approximate Time to Pay Off Estimated i •�; ��•�,c�;• r;;•;: Additional charges Are Made Statement Balance rota cost NEW BALANCE .. # ^1 • ?:;... , :. ::tt:....,. $6213.41 you would like 213.41 Si B:, \C. °i.: Minimum Payment 20years $13,013 ,- •' information about credit counseling services, call t -5&5- 326 -8055. I LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date. Credit limit: 57,000.00 Cash Advance Credit limit: 53,50000 - 01 may have to pay a latefee of up to $35.00 and your APRs my be increased up to the Penalty APR of 25.40 %. Available Credit: 578659 Available Credit for Cash Advances: S786.59 Pr evious Bala nce Payments and Credits Fees and Interest Charged Transactions New Balance ! 55,578.64 J — 50.00 + 599.22 ) + = 55,213.41 .....,.. icy ..,. Rr1:........., ,.. .. .. .... ,- ...- , z ...................:.......... ...>e;;�::,,::.:.:::;::::�::: ......... .. ......:, I "Import ant Notice e" Yrnu account was past due. Under the tee Help is Available. ns we previously i disclosed m you, if your account is past due again in the next 12 billing cycles, your J ust pick u p t h e phone . Annual Percentage Rates (APRs) may increase. ( TRANSACTIONS Call 1 800 - 955 - 6600 and a specially trained agent will i PAYMENTS, CREDITS & ADJUSTMENTS FOR DOUGLAS J WANCZAK #0036 be happy to help you check your balance and make payments. i TRANSACTIONS FOR DOUGLAS) WANCZAK #0036 i 1 19 JAN SHEE14 00000703SHIPPENSBURGPA 511.66 j 2 02 FEB BUTTER'S FARM STORE #35HIPPENSBURGPA 538.21 J 06 FEB BCISI90 FEESCO- 375- 5233VT 5450.00 INTEREST CHARGE CALCULATION 00, 10 FEB RUTTER'S FARM STORE #3SHIPPENSBURGPA 535.6$ - 00 Total Transactions This Period $535.55 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 14.90%D 55,865.45 S ?4.22 Cash Advances I 24.90% D I 50.00 50.00 Transactions mntinue on page 2 P,I,D,F — Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CA.PITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121741857980036 19 6213410130000283002 Account Number: 4121-7418-5798-0036 Due Date New Balance �•`.;t:;;;:.;;:; > :Iy Amount Enclosed Take advantage. Take control. — - - -� l Mar 16, 2012 ` I, ( $6,213.41 J ,. �\� Manage your account online at www.capitalone.com ...- ........,. •Make payments • Review account information Manage your account in privacy 400006 DOUGLAS J WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N.A. IIIIII'1 1 1 11 1 11 r 1 rr 1 1 'IIIIIIIIIIII1l Charlotte, 1 3 N628272 -1083 x1111 1 x Ir IIIIIIIr , IIu 1 r'll' 1 '111� 1 1 "IIIIIIII'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. nut No, un I Avoid Pavino Interest i ... 7 E,�h il jrtth p, py your ?-,Nme ill V:, p, will h"'. Whe credit My P 7 , _ bAo i , .1 v t il , _;g I iihj� lineut ri 0­ it th, y ,1 :1 dI t-, 3 V.11, ET. ic J, x 2. 2 5 J�, .irn nu iat q h,, an 1 tw 1) P Fur miJ 41 -1 t z Oei urmplr. 11 y� h,t, t- en pyin nt in till ra m 1 _­; :INV puitiji-W& e� jpuF­,u it vi I I A �NlqII ppli,1 1111 F11 ; il%-d pp, A thi 4 � d, tx p" nv4 1:111 h. i"t. p:,jt,j ­­, �hqe , "i III to u ­j. Th­ s 1-1 grit- pfbd an ooh 0,,­. atLllu e,l[ "11 yum J.e _k it me e,0 ­j vt lti",e nd y,,,• pyr, etz ie e�elvd 1'. ,u 5p .� ,l r unt - ,.t - _0 ­� 'i. N:"n� 1- till. grA Have is the Interest l d pplAd? ­,, inn 'the 1) dAl A me Lx-,tij, 2) JL The ." -j, "'. 'I the LiIiin h*­, u ll­mt Do you Pro- Paper Ch,&, es .. fLedn­l lhmnsfe,7 P,�,t will t, it, ,,, t m-, it pu­y:ad 11, 'It"' . .4 .Ail R; kcl;��t �h­ in WI . ' n e,n� -,. r, y u- - IF u,en ?. pu py th� ­;].� 'Ne, 5 _dv,�' un� a inth, -yy: lslhun ;u,.- p-Je , J,1 ui :hwl.' O"u Tu ,kI .1 py-., pu .,1hu,;1 try u, uu; u- th tut did I t un the u-birw ru;gf,_ Ur-;, ii- :h Je 1 1;e ,ddeJ o Ore Tarpon s 91, N't A 1pix A-Int, i,.I,r tu " A, , -f -.< n - -;, , _11 jilrer Ilejun;: %,;1 1—, 2 meU7a ryht luiul ­uys inzeui Ltl A e. y!rD use the mutt um U pi­4s the pqq! e,q „ -, 0o you assess . Mirirwrl k0ri Chiiqje? YIF A tri.611 uo INTEFEST 'KAR5E A , :ill tp assessed I,, -,:h What it I file for Qankurrtcv7 It pu - none] r., pul,,tbri. thi ::,n'ii uTlLitijil iz tu! inturt Ain p., --j-T ai n.. ,h.lg­ uzfly. I "'t r. T C. ull:t.. jet( I,ir . Iu nut Izanj l, w-tm v&out IpAkq wtith Hondo you Cul-Am the Interest al.me? We use u u 4 1 :-Aud A%ef,p NO) Eid,,vp :in..Wing tuqty -unumey,. th, _­L 1 Tj-, - it Y­ iurny wu-Aj fiv. t, UJI-;X..; d; Odt, Ill- n uth,d, we fi,t 1 1 1, te V.- dAy Jul e0. -tp �,,, 1) o ,t 11, tnji-ily C. Ihn: ji,:dy. V.Iez.,F, - ,p t'l Onu - TO . K',E5 • 5,ft Ltilzx 'Iry. UT ?A 13n, :;­5 ­., llutt,cu* 5 th pe,;uJi- ill,­.t ,h,r�e ,, d, pzv- 'J,y'z t,l,­. ll,i, 2) >,jn ,t ,y GILLIM RIGHTS SUMMARY '.*D- No,, A ir joS•l;uif 3-riess A­!�, • y , nr: l - n k dlly I,, e d i..: ILA � I A th Uit ­0 thI N­e t,, .h �e W. H-1t, i t YuLl What 7. Do It You Thinis You Find A Mistake 0. Your Slisterl 11 rju ihnilc. There 1- un ei•ur yjui p7 Y:"[ Fret- undu t-,J-,�� In Jul :, ! it -Y - u, ,ejit 'au'oel, ew. wfii:.h pyl qt, itl ri us ,t: sPeul V­h�se Yttg,r enLt ..ut ­d 1� th 4 J, th,t -,i - .`j. ijd :-Z -A!-Ja the :Iily N­ev. _.Pl'NI are ext, U thj y,", Av,"3, "'il" I'l-e: i! the daily - 2 1 ri Ugemtr I Jul ,. 11 ,Ij 2) d j, i d e tl,_- 1. P.J 1,0, b ox 1 ty 5111 1.� k `, r y, U 1 1 K, ..',2 5 -it pj, peir JL ,j -[,suirdullulp,ubl­ It pu think mere N ui t un p Ill, u- A 'pu N -ut a nd why J. How un ny Y"i"Ible Annual Perce.ntone Rate (APR) deny,7 Y­ APR n itis U " A*, Ple V.4,11 st reet , - T T,tinj wl i,dex k tun r"', Yu,j it jr­t,tus will", 5C J,y ,IC:: 11;F-Il Vt1N1 els_ uf the luli­i. y bAlu, :ode x,tf.,h,tjthi� put *R'Vl. then _hIzLih, r He Lei— Yuu tr-t nuli!you u! jzr y"; -y-A u , - , Code. At. your Ho dit-lod.t.y.urAPIlls)? When yourA 0 willmOypu APR(s) Ind x + rinlrgin (previously diWosed to you) will c I., wflth��_ within 3' J,Y�ul uur e:,iptut put :aae,. [sire R,*_ r, "uln gin - ,he til-I -,y A d7lhy pe,,J: urn " we ill-tipte ul tottl h,s Lein un th, 1,11jity - Lu.. 3 l u! a" UFOIR r " � I!d in Jtin_ Apil. July, 11,J Ot We _Inll�lrytl the :, ­1 u, q.u.ty"; � �144' 4,"t u" mat -'r ,un% The I,. q,jegiul 'if, Il. "u", ent. jnd we , tu pi, inv­tt: th,, ,, ­�L I "W, lin e Rj r, 4r tfi �. tj, J-,, a h b�L it I- ct" it irl,ke. yu, "..; -t: nyi•ito!.qj• Amer IF ly 'ill; 9 F",i,j fe r elhvad 1, dl,t nt Am them Additional Fee ss,oultd with my it-unt? Yes, under -win :itw,; y,u 1, ,y to -loyej i "NIlle pu du nit h,r- u py 4te ,l 3 in g.,etiun ludi we ad pu +j nALZ ,but the ­uu e ut uu, La c I'le I'llie, Payne 11 te y:;, n 'y ,14, it, -t-Ij itlee- a per" fired by 1'. ­ We eve (hit 4ylltt- ­t ­V­itle l,r 01 1,! inde, A p, e" l tt"ripl,n nutti, and .W -, d.jlfit. yir [!_-r lee -, js F; WI �,l x.pld v, 1'e How ran I Avoid Mernb­11ficiFee I , IJ 14:4j:t is p,qttj un tieions ut t6 rr'l," Tu., n q-1d uu, .,Yy ul ­,ipt ul Y-1 leer[. we will send y.,, a wt.b- i AM?, thur,, :u­:t-d the pan ,[an -x,;­I n"'t�'-fik fie ty�ullrjitiig �-jAju e; 5is[vi, u n -thull 45 th, I.tdiVinthit tilliq Nith"l �: - J �rl �ml ftj Rp­ In ter -r the ­­,, , Lel;­ th till k :u­ r %u­ tv , ;I �.lzlue,. n. m,; m,; V, I, :I 1Fu.. ­u­ T, ,,'j ll :,nthly I- "t ­rjj 'uul�.rr t T el I ,Ate ule � tu ;ej- TV, we +11-yu p" =nt, "!,d .-I will Ftup po, f1+_,iV,it;1 Your Risfi. It You A. Dissatisfied Won You, Qmdit curd P­Wos, 1: pw - dijytiyli�, . with th� a iooltp,hh� I�P. I_­i­ N pi her, p-h-1 will' y" I3Iv � ) F 'y �,IJit " J' ad , yulu 11- Vied in p�d hith o �uri_t thi, with Ron, - I rn', v . the i ­-, Y'. _­ 4u,"4a 'utuir e; 3t&m�e t-q-Ta"t we db� uli,l t ­y r­ the ; , uI ffi- ft 11!lft - p-t-, T. ; nigh' ma YI: j .A1 I _- &,, t j 1:1 u due r� th, :h y till ---. ­1 �.11'im �ny Ijitut,[ ��p t- - ,a -I'm e, hnh�j;,Y 1:11I-e py J ­ 1 11tirt �tiu, N ­d pu. dir :,,.l 5, be I;­h­+ P­h,lsee i u le. w ith ­h hu,, ATKI ut Mh me t it pu,­ �edk �,,d ; th-wqzey pu�t ju ,­ %­z it, p. ,�k uy tub+ze it, we : keer. y,", 1� Yu,,,, �Ir h, _li, welt :ad ­jurr, lu-1 q.lit)r, nj � � if uvl­t ye! h- fully pid Jul tlh� Who Lei,- 11 7 W ': d- u, yuFpenJ p - ,::want ,d , fl4hl to utllri uedi! th �jj) to u t: tz, 7 .­n, pu 'tee !A il 141t. A��I 10lxlt Ilv . .niflt At tu p; It , ., i, t e - " I, "!j y1", tae T _­lt 1­1 J, pu ;I J't I) -, - 3S - ,dtt .,lj id u_ ­:t 21 A-1 Ill jpitl J, �.,t. . 3) 1 y ', .! e1i t [d , iI �I­V, and 4) .,y A ­ R fU V�U - U-, e". it e" g �hjed P.J. F ! tt- ;utt L.Ilz :lty, UT -41 H.. do I M O P P ­,rs7 At iny 0 e, �T,­ py 61, " 4,ik, - pyr, ett, tIvr tut'l 'niptij ji ,"y ,it aun ill :­­ Ny,; Itd' n 7 tI " .n II-I wuy�: tmhile ill­jgute, him v,lf � 1,11�y 'l t, the jivr "t ­1 fimA, Dm 1) DA', ty tu -..j haying htt" pie ,­, ,,I[ tell T.. �w 4 tm, pi.tL it v, thi," uwI ­K x�d •-iuu py we 2 i Tel, pq pu ,I. wh,ne Vui�� sysl,� t" ji'lug 1 7_= uid lullu- the �jL, p ufi �ti. Whvt pu ir uk� , pion- e,,Tt th­+,1 uui 1 ­T:e- FyIlr, Y­ +jlthl-;, us 1r KH p•i, "0 Cne 4ut, A n pi- P jl­tuit : -L Ike _-­ nbnz­, F-dy " y'e ku" ,­ Fbh,. c,!,- J,y we Ifizz,_­ ved. in't, I , 4, 2�11 f 31 .1 nua tio, ­Jp,riding y", aiuttu u,2, 4) Nni :A: Ity " ,J hj u-.J t s, i r, u the r, uil;,l j ,j jreI- pa j, e j an m- t uTjjr pajurl :e this .'a tr ET' Changing Address? Not quite ready to make payments online? Address ........................................................................................... No problem. Follow these simple steps to make sure ........... ............................................................................... we process your payments smoothly: Home Phone ........... .... ........ . ................................................................ • Don't staple or paper clip your check to the payment slip. Alternate Phone ......................... . ................................................................ • Be sure to use the payment envelope that came with your E-mail tatement. Using a different envelope could delay processing. Address ....................................... .................... .............................. • Please don't include any additional correspondence. • Last but not least, be sure to write your 1 6 -digit account Please print address or phone number changes above using blue or black ink. number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Ca Page 2 of 2 Customer Service 1 -600 -955 -7070 1 Jan. 20 - Feb. 19, 2012 31 Days in Billing Cycle CAPI& www.capitalone.com l i Visa Platinum R(XX- )=X')Dm -0036 Credit t mit S ?,000 00 Available Credit: 5736.59 NEW BALANCE .:i. Cash Advance Credit Limit: S3,50000 $6,213.41:<`. .t i >'i Available Credit for Cash Advances: 5736.59 I Pre vious Balance Payments and Credits Fe and Interest Cha rged Transact New Balan 55,578.64 l — 50.00{- 599,22 I + 5535.55 c Sfi,213.41 ! TRANSA CTIONS CONTINUED i FEES 1 16 FEB PAST DUE FEE 525.00 Total Fees This Period 525.00 INTEREST CHARGED WTEP,EST CHARGE: PURCHASES 574.22 Total interest This Period 574.22 TOTALS YEAR TO DATE Total FP.es This Year 525.00 Total Interest This Year 5141.33 You were assessed a past due fee because your minimum payment :vas not receiver] by i the due date. To avoid this fee in the Nature, we recommend that you allow at least 7 ( . business days for your minimum payment to reach Capital Die. i I I 500009 Capital- LET'S TALK — WE'RE HERE TO HELP. Zrs in your wallet? Sometimes unexpected expenses keep you from making your credit card DOUGLAS I WANCZAK payments. We understand. At Capital One - we're here to help you keep your credit on track. Give us a call. YOU`RE BEHIND BY 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. 02009 Capita! One. Capita! One is a federally registered service mark. All rights reserver! Page t of 2 1 Customer Service 1- Boo- 955-7oto I Feb. 20 - Mar. 19, 2012 29 Days in Billing Cyde I I 1G' www.capitalone.com MINIMUM PAYMENT WARNING: If you rake only the minimum paymem each period, you Wit pay more ir. interest and it will rate you longer m pay off your balance. For example. Visa Platinum XXXX- XXXX•XXXX -0036 Payment Amount Each Period IF No Approximate Time to Pay Off Estimated NEW BALANCE ....5 3 ` ;, <YNI' NIT DUE D E Additional Charges Are Made Statement Balance Total Cost $6,322.44 ?,, 1C';, 112 Minimum Payment 20Years $13.06 `. ' If you would Ike information about nedit counseling services, call t -688- 326 -8055. LATE PAYMENT WARNING: If we do riot receive your minimum payment by your due date, Credit Limit: S7,000.00 Cash Advance Credit Limit: 53,500.00 you may have to pay a late fee of up to $35 -00 and your APRs may be increased up to the Penally APR of 25.40°!0. Available Cred 5677.56 Available Credit for Cash Advances: S6 77.56 r Previous Balance Payments and Credits Fees and Interest Charged Transactions _ "� New Bala ' S6,213.41 — 50.00 + 5109.03 + I so.DD = 56,322.44 Hel Available. LR ANSACTI ONS � r PAYMENTS, CREDITS & ADJUSTMENTS FOR DOUGLAS J WANCZAK #0036 J ust pick up the phone. FEES Call 1 -800- 955 -6600 and a specially trained agent will i 1 16 1,4AR PAST DOE FEE 535.00 be happy to help you check your balance and make payments. Total Tees This Period 535.00 i INTEREST CHARGED J INTEREST CHARGE:PURCHASS 574.03 -- Total Interest This Period 574.03 INTEREST CHARGE CALCULATION TOTALS YEAR TO DATE Your Annual Percentage Rate (APR) is the annual interest rate on your accouen. Total Fees This Year 560.00 Annual Percentage Balance Subject to Total Interest This Year 5215.36 Type of Balance Rate (APR) Inter Rate interest Charge Purchases 14.90 %D I 56,253.83 574.03 i Cash Advances 24Q0% D 50.00 SO.00 Transactions continue on page 2 P,4D,F — Variable Pate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPI I ALONE. COM TO MAKE YOUR PAYMENT ONLINE. i 1 4121741857980036 19 6322440130000455009 Account Number: 4121 - 7418 -5798 -0036 Due Date New Balance &5f;oic;;; :; : :Pitymz;; Amount Enclosed Take advantage. Take control. Apr 16, 2012 ( $6,322.44 I 5: >` ` .i :: 1 Manage your account online at www.capitalone.com , a: <? • Make payments • Review account information • Manage your account in privacy 400006 DOUGLAS J WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N•A Ilr I 1 1 1 I I I I I II !r r I P.O Box 71083 I' Ill 111111 II I I'll I't'lll ll ' "" 11'111 II I I "'I' Charlotte, NC 28272 -1083 ullll! '!!! "n!!I'lrhllul "Ilnlr'll'!'ll I'll "IIIIIIII'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. oof to Now can 6L, T' -Ith pu p N::I-.- y ps ' ill full. pu IF- -i V Whenwill you Credit My llftnoteni. ull ill -11, �l :in �!l uuw 1) Vui�lt 2) t-d:? iii-AiFts, 3) ir;�J,l l "'ji, ie x -, the F1 l t,A i tulriu­ J,y I - li IF VF,7 l I. hill i IF 3 pr. ET. ,ul h,­ un,[ Q xhlai �i 11 y h- tu�n pyhl� y:l unt it I'Al ulim. ln� ill:�IsA �llvp� - yju r I I AL J pyl, �nt%. j4 :;I thi bu�iu J IT � !�-iv� iL IF 1�lg 1, Tjlj ­d Ole t �j I pelf.,, 31 this • it, Ill n et py yju, nitlt ll !!, , r:,, jis �h,,g, . bw h,, IF j p- p,i.-d , I �.,Ffi , 1" ­.. ul.uut ,nlplu J.-�k lt �­b end'.) pl,l P,r.0 n ew is ua_-Ml in r oe :,4 :,u, Fill t-i-A nnAF- nuly id"I w h a nthene is 'id the 1, V .: iaiisi m ty 5 p, . F N 1 t I e vTZ :71 tu ii,­c 1, VY 1:,, if lul i" is t. I till. ` F ' i d "i u Ili h II. a applied? Int-t -i Im, P, -1. D :A� III -- i-tyuy 't FIY:lth�ll�- yutt, uzljft�J •, AIF� ,1_dLlu is � Fy � 3) 1 s� �,I­u . ill tj 4 F_ F',F � A th- tillirl� Fit-Fir jiu,�F� Fs""y uni,lid IF, ,uu� Do you Prol- Paper Cheds. as an Fectionit Fund, Transfer? Nyt, :lly e4 �d u �T� ,f I- I f This it -p IF , even it. p py the r i" rr "Inh, -yv. WhFun you p"; I -..k :n :hia:fl A n n u ,it- pu uth:F111 :is ::r lus lgmun Q u s' th, ull, 44", - � I ta I is parllf�uu u LnIVl U l . upll iu-t! san, A 'Pul A- ur,kI IF, � A�H IF lilliln 11 Zh�l �11 it IF: fi,nd t­. -A.ul d�r, 1 1 tu th �h,­- . p �je A P.-I.e,cl.-,-sz;mte,;Dhti,,, ,= =:yyi,r,;:•tL.hj:j-"t=;.".tt!'e. Do you luse,ii, a MeilrRal� Int erest QL.Tflj?_ Yes. At i ill 11, wh it I file f jund'urti If yl.0 - ,al L. b"tilt PFA=Flhu. this [,Fu is b, lni,nu Flu", til.1i;ij psiL] yj,n •,:..:Funr ".4 ju FUl .51 4sl!F-A �hjc. �Frfly. 1, i, "'! i 1 F,, im sent us py., FaFz4 vtt:,T -'th I - th �Ft j rd"Fit Cha , la b:FntuF:1y Z­L it -un'-y ­Aill,- b i ou t t.'FIFFIlipty J, n How do you It nol I, Jl A­,ju I,' ly Jazi.diug I-, Pu uIdArr III, it ,thj, ,,, it Ft :A. ul"ry yjn, d,ily 1.), i ,h F..p ,L 1) uk, rte t Irg• Fi I :F, dy, Fli "Fil"I r, nk .,Ii rity, UT all I ,'A5 in . q h I d ; jj in nIt. V vll:,Fju!.4 thor pltd_:li� �h,,�� ,I the :Jy`i i Ih::u uy BILL IM RIGHTS SUMMARY p 4 lu .It :it th't J fie ­.ft is IN l it What To Do If You Thrill Yen Find A Mistake On Your Stateni If Tju think there i� u,n Pnu u:�ntv III :,! pA pur Friovi­ �F iths n "tl,!,y 'nilh Py, IF 1, us 1: �u ' n,1,Fr intull :,u it �pur t,,N[,� - ­ul DuTIQ, Flov. Fit trl't t, pu, P.-h-- Vll vid3i lauts vie ­t djed t, IN dA, 1, a •,.yl­ plEld - ujt Ad:rd t:, th- JAY lb,,1-- .0i 'Ints IF Lt. 2!f, � INJ 7JU, A ,-- ,it PA I; tils J.,07 "lu-ir uptitilt, t,F, �,:Ii ir�p �Fut ,lid .1 dl,,nJ� the ty 5,ft Lbl 14ty, Ur 54 K, ',Zzl5 Bi ,f Jys inti,� hlilrg • ?: Ore muJA la',ittillug - ai• l rl OlbA.a hd'! I A ty tt, Ay , ei Ak "te APR di vi d_,J bF 355) Ij I N at K-Fl! t <lt, ,, I .) I. uli mgrs suft by th, nut- l A 1 ,y, in the 'w" Y'n-'r e "d ­uurr. 'Fut lb-,. at .41 nh;3u!T I'll" •,--u, •Tht JAIII 11-lut r a . Ie Isuvrlo-uld ":;r. ta.11y ­­Ij. V=i ".15 F_dI RI;Lbtr - It yju mint it IF un -F­ ut pun Hill. dleuuit- vtu tleliu� N ­q lull v.•hy -;in How my Rate (APR) Change? AIR a 'n t III. i -T. Tile li 5t­t AI-0j. Tu find hi;h u,JiFs is, lF:J 1" put ­,uut Y"un ist :,Fut,.t us lithil 5,' di,,s Iltza, Ill iauw l:i of xt y:w, ent b,k in �,Fjt 11 ,.t TIFF stmar, 1, put Ai Thlo:, Jl IT, tiol", 1,Fu F uA..1j:yuV A ;I; pa.uul lau- ill ', tjn� y:,u F,y ,l Fir li! 1,617 f p. air Code How do we calculate you, APRIIJ? It y our AW t- il uy lz�t�rll ­:r ,rld pu it 7 h- l:F F,F T.? ,, -It ill W, 411 :.Ity will chang � J, - ,I - ".%kii If put o APR(3) Inds %+ M to your m (previously disdosed to gout I Whe le in -1- -hit I - yu IF?, Al hil, , It J_ IF , Hirt Int lint di A th� i tht :' " File ill -lips wr,dlx[ D njt IF-, 1, 11 s Lien au Coon, th, tA-ing ", itu, IF �! Ith Ll KIR IF " �;Fl ill I'll, Alul. July. 'lid O - "L . - - - __ I ,, Ill :_ ' I 1 1.1 until. 11 11: -.1 Th, : hl,:gva it :fult.tib" IF +,-, ill 4TIT-11 'IF, ad zt, p YClu th'i", ­lL 11. 1 -�_ IF i", I IF a - o-..­ in, init - F I lIA 7";vAll rut IF- z�- ply 0, -in -il um-tu, l,' IY int FF Io',st :It t-, F .1 , 1 U FOR ""; u I I F au t­,Vy illiu�i, i.,d iio?s r,I, Jt, th"t ;;u "jut Are them Addiri ... I Fit- a iodated with rny aloonint? Y_-F j,,1la, _m,ni Jhjr, ­­, pu u •11 1z "`12- pu 1, ,,, IF- I, py m- ,, Duut Ili -I"I 11"di - 5?", ' 1111` :l`lt 1` 11, Fll l lonl i Y,Fu n,ylls, 1, ?5,- - 1-lin Klluy 11 Vzo tl-j ty I's, �N:s -%­­ fill t, I F, y­ 11, leil,.uldio 1,1 me ._'n 'duditi, A put ,F;",,. lid 'J"'A ..-Nirp --.I flk�ht. ­za4m s ill ,p:,1 I lv= .,, j I - -a, -It, ,.J+,! put i'led Ill How Riauio_l i� pintiod :,n th�ujnt�i tl';� mi �,,, 7j, " 7 ,�:Fld ` d' "IF ..iIMF 'llip .,hill �C 1, yy .1 -, ­zoir D1 I-.,uj lcae;, w•: 611 wilid -pu h,T r.^: ;; ­td the pyin;I ", lunull t-,.Nt IF _:-nt,,.FJug ut Snvi_- in IF - thin 45 d,- „ 1:-F tr� A Jjy Ili th- billing wun ; T, tv , l ­j� di -� y.F., F ly t, Fan �YJ ­ ty Nu ­,. - a . - -t - Jb- ­iuut T, ­ It ­oi 1--, Y.. Right, It You A. Dissatisfied With You, credit card it-h-s. it pu I- 1ruv'TA�:1 ,':th th� p,j. x ,,! "a clr� Fit L-1., ."ti" � t, uo4ullIst thy, 1., -1- put --t. Fund r,- fi: Fl, jyIw_-yy 7. u yulidy 11 Fall t1i vi ilold. first pl� It- p-Ill tith y,,,; isda.,,J, uFJ y- uitj it ­J lim I, :, ;-,I III. F;,l wh How - I LLUMJZ&ALLall Yju - 3e 'j" 20 -.1- put At thuo if luJvil, pu I-, I- the ti�l ux ti pay the -t ininj �rr ,,ne due -it, me T,, VIN fighti OF- Ffi�e "it) lulb"i"yn ust to u- if." lu, _ -1] Fq:l,;!I "ry "un J­l i.n1ijinu py ],,:n iut�nu qun e nd In Clio -s. -kh -, Me- nuzza Ill 11 -, ui pui :1, :14 u,d ii .hqiaF l:uA , put,_., " 11�, pu �,yk us l d-e ft. - �,u IlIaisr put 1) Yjuu ulFt IF- F-d yini : dk ,l 5, 1 - - �, 1:-h P-hs I 1- I. Yh t­. ATM x .it, J-1: M..z z 7 ­17 put z1IJ m ­z ;.l "d What he it 7 Aumua j 5u j LLjpl W� ; r,,V �bv� j IF ur '; I -,,d put ;,+ b�il -lit hap 1j, ;jl 1 t � il� - -, t:FT 11 ,t IIJ '�'u n6l jivyAli'd .Fti us it, ;kill ee A uy I,, - _..,d lj 7 --n. if F,Fu a-- njt. - I'd Fit iuyuy+ I u, -nint �-T U!, ­;;. It It th it, ii y_ ,: amt is JFiaj F, lz.!f.,F1_ ),In 11 A ul;iug pu! ,relit :.,!J iul:.0 tu 1 "I 1"3) Jt s1,,y I jnjit :,Tdk ul d-L., +,lid 4) py +ill -,It ju(L4 pu - us, i-I it th- y - JIIp.d --it - -1-1 DF 5,1,. LA-z -;ty. Ur How do I Make Pnm,nts?,Ar FIly du la, p y II)p 1, n41 un pyti - rr, N- uu I tupi, b. ,l, I-, ,, ny , njur I Rio _y': sl - Otto Y,v= "0" jr.py, 1, l dil d yp u-uni 11 - Ahta, IFNIF F ;n-1 ,i1I till y­­ ,ul Ai paIll, if 2) is tydifity T - FI-to �';l -pluro n;uni.u.yju tiuth,u;&ust-huF uA_H :-I aue yupf:,ul nIxt, sisia ", -i r• " -t h"'a y- _,.xuq. Fully ­y ? �Jitld! ", I in„ n p. - lh, inv, ? Jy 1 , 11 - , 'Pil 1.;� � "Ui ' i lt k 1�:,, Ily, giyTF, Y�rv�, u I A; ;�hzz I , d. p-4, put I.," ,.t 3) Z-ANID ., nuu tzt, 1 tud p"iding put r, Fu­p­nIA,,mF; 4) 1 :M4 tyu A liitt, in. I • Filing dj- "FiJej ". th, b.,l- pill- A thi mzi Wi t. E R Changing Address? Not quite ready to make payments online? Address ........................................................................................... No problem. Follow these simple steps to make sure .......... I .............. .... I ............. ........................... .................. we process your payments smoothly; Home Phone ................... ............. ....................................... is - Don't staple or paper clip your check to the payment slip. Alternate Phone ......................... ................................................................. • Be sure to use the payment envelope that came with your E-mail ou, statement. Using a different envelope could delay processing. Address ................................................................................... • tlease don't include any additional correspondence. Last but not least, be sure to write your 1 6 -digit account Please print address or phone number changes above using blue or black ink. 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.capilalone.com - ..._.....-..:�. ��\ \\ >, Page 2 of 2 I mo - -- — Customer Service t -800- 955.7070 Feb. 20 - Mar. 19, 2012 29 Days in Billing Cycle S\K M e www.capitalone.com Credit Limit: 57,000.00 l i Visa Platinum XXXX- )MX-XXXX -0036 I Available Credit: 5677.56 i NEW BALANCE .. vS:i ` , 2' i \i' >MIE DATE Cash Advance Credit Limit: 53,500.00 i i \:y,ii `:': S 7 $6,322.44 _ •`����' ? � � ! Available Credit for Cash Advances: 6 7.56 ; Pre vious Bala nce Payments and Credits Fees and Interest Charged Transactions New Balance 56,'7.13.41 1 — 50.00 -I- 5109,03 .} C SO.00 o _ 56,322.44 I � TR CONT You'A'ere assessed a past due fee because your minimum payment x'as riot receive by the due date. To avoid this fee in the Vine, the recommend that you alln'A' at least 7 business days for your minimum payment to reach Capital One. i i { i 1 i i i MAKE A PAYMENT. AND TAKE CONTROL 5010 Capital OF YOUR CREDIT WITH CAPITAL ONE® whaes in your wallet) Your account is temporarily unusable. The good news is, by paying the DOUGLAS 1 WANCZAK amount due on your statement, you can still bring your account into YOU'RE BEHIND BY good standing. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 0 2009 Grpital One. GirpiW One it a federally registered service- mark. All rights reseraed. Page t of t l S Customer Service 1- 1300A55 -7070 Mar. 20 -Apr. 19, 2012 31 Days in Billing Cycle j C X www.capitalone.com 1% I MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Visa Platinum XXXX- )MX-XXXX -0036 Payment Amount Each Period If No Approbmate Time to Pay Off Estimated i NEW BALANCE M II'NZUI$ikR••' Y •` \$' Vml'. A;'„ Additional Charges Are Made Statement Balance Total Cost - S6,402.94 .. . 16 2$1 . Minimum Payment 20 Years $i 3,016 - If you would file information ahaA credit counseling services, call 1- 686 - 326 -M55. LATE PAYMENT WARNING: If e do riot receive you n r dnimum payment by your due date, \ •r . w Credit Limit: S7,000.00 Cash Advance Credit limit: S3,500.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the penalty APR of 2 >.40 %. Available Credit: 5597.06 Available Credit for Cash Advances: S5 97.06 I Previous Balance Payments and Credits Fees and Interest Charged Transactions New Bala nce Sri,322.44 J — SO.OD t S60.50 -f- I SOHO K402.94 ; .... ...... 1 n..s ......... ...... Help is Available. TRANSACTIONS Just pick up the phone. PAYMENTS, CREDITS &ADJUSTMENTS FOR DOUGLAS J WANCZAK #0036 i i Call 1 -800- 955 -6600 and a specially trained agent will be happy to help you check your balance and make payments. FEES i Total Fees This Period 50.00 INTEREST CHARGED - - - - -- - - - - - -J INTEREST OIARGE:PURCHASES 580.50 i INTEREST CHARGE CALCULATION Total Interest This Period S80.50 - Your Annual Percentage Rate (APR) is the annual interest rate on your zaotett. TOTALS YEAR TO DATE Annual Percentage Balance Subject to Total Fees This Year S60.00 I Type of Balance Interest Charge Total Interest :Iris Year 5295.86 Rate (APR) Interest Rate Purchases 14.90 %D 56,36131 580.50 i Cash Advances I 24.00 %D I 50.00 I 50.00 P,1,D,F — Variable Rate. See reverse of page 1 for details i PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPI'rALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121741857980036 19 6402940130000599008 Account Number: 4121 - 7418- 5798 -0036 Due Date New Balance .+i::i:::,zc;: ?av ;::P.;ct Amount Enclosed Take advantage. Take control. May 16, 2012 ( $6,402.94 I, Manage your account online � at www.capitalone.com • Make payments Review account information 49 Manage your account in privacy 400006 DOUGLAS d WANCZAK 40 THOnPSON CREEK DR SHTPPENS8URG, PA 17257 -9452 Capital One Bank (USA), N.A. 1 ! I 1 I rlrn I I LL r J I I I P.O. Box 71083 I I "'I 111'1 11'11 I'll!' ' 11111 1 I' ' II 1 I'llll Charlotte, NC 28272 -1083 ulllllrlurrlllll 'Ir1111lII ^Ilt "11' ll'l l "III IIIII'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. GGI q", .,J, 't Y11, Fey 7 'N,w i in IIIII, y-,. vJli I When jn �js will clit�hl F "j. V.F, FT. 'mAs'Y 3) r,F; " Ih:I " 11, 'y- It- 1) F,jiihj d u s F.- _1sltJ4) it y,. h- tial ­­,Intloll wim AI-E JF'.J, nd y­ rht,� ;, t',F gl­ psli, J,F net py-,-jiji it?ct bill I0,A, Po fe­t h �:,19-s airs t- 'd h. Onlc,�. s,nlu F , Ill Y­ k I,. IF "'d ',17- 1y,: ?Ft I I, :sl F Y , -� i '11, 'ust a, ' - ' .1" th-.t Y an erpi, 1­. Fr till. F­;aY•I:q tys p, . ­,; ill rle.­ �bw ,r luvz, :7! tusill-vu �,p I:), , il �,Ili­• . M,iied F,*;, �nl, _' ". "?l ;`Fy r"' '"T :tb` ' How I, the Interest Chc­ a rm e d? ntu­t ­,ul Irin th, I I A tj. tF,u4-,,0.F. 2) th, it I �i tlh� tilih? ;:�n, awry unpil Do you Process Pope, Check, ctronic Funds Transfer? Ityr, -:tu will ts ,,I j! I Fod D! 3) linA d.. c, a Ele ..Ul it is "; ,j !,, I ull. T`,js I; lw� yju I ,y hxglt u,tzl it 'du P y Ilh- - Ffilt ,n- _yv: , N-h- n y: P,-iJI , jh��L' 't'n t� F Vk- j pyl, IF;!, Y,,u -,tFth,,,l, us ,r :.F U thlo tut dil jut th� parvi-w IF ,rth. 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IF— I, ,y 4, ,, toot I,, u­Ai:,n vend Vu ­!Le ,t ut h? __ ,u Is jl Fm -, t� la ss rill F-,y-,:k, Its ned ty I,w_ Wt ­-• the 6;Ihz y In iha I, A Y­ III. wizh,, Ill ww1w ljht a it.-, 1-- hi-,_ W1 :vl jT;l7 :,ij ­', 'g,bts, 7­ 16 How ran l As.,d Member rees %Mthn K ,y :r. p., In,;, ­ Jll snJ y thT- a.l ,nMul-1 , d I t � t ,, " :" - p,, r-I srA,,. th, LA;,­ the bil i .Ml, tl� ty F: ,n -r 5Itv1%e F,, it thin 45 J a the A ; I h ill _y­_II �u­j ty 1 •;� - : t X_, IAjez " w, 'l- yjw T:, ­J plyn? , I :Fol1ly u �m �I, Your Right, If You Are Dissatisfied With Y­ Credit C P. ­s, It I- :l;v�V,rqt,If. ,irhihI j,,Js F 't "t _h i�)F,rj_t e ,% u t� :I ths w, J­ Y'xll ­uFFIlt. end wiF YtFP j�m-ing 7:- IF ': n th,t y, h-, p.,h-J e ach y our :relit tnJ. ,,J Y,u lii�d in g,,J bits t, ;_ nest th;.. F"t," I lh- 1 - ;J,jln, ys, Ir,-; her. rh- Fight imo F thI is,i iiiin-A ju ,iio! Jus 7f. !hu p-h-. ?_use Thdv fljhr the H­ caul N­ M,, Ar­uull? Y­­ ;,ltj -uyri­ 111 7till ir t' Is4FFIAV'Ew� - YJF1' At 'I it tt­ t.-A Fit " ­'ll ml:Ul ,,y Alditi­lil�F�1, J­,,e. i"lujity 0"'! 'd IFF, M "I 1, 1) Y,, nu t h­ usId Jilt :,tl I,, th- :,,,;h­. P-h-s I, with - -sh l-, ATM with Ill Ft y­ - , .-jui �i�Jft �.rd u yju, --tt, L. y", Zsk us F:F it. �1;; ;uu, 1 Z - ­ "n, Ju i Iu,lily, nd � 4"1. h, -f ully ;:J� Wh,rt h h appens it 7 1, sourlend,th %V� - y J., �t w�j;,Fj y-j. ` J y-,, "I I jh1 T� �Ftllin • --Jit 'I F,u IF ust,t,Ft y_1 . 1,, m- F. A­. A :Fy P l"It ; I _! 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Address ................................................................................ .......... No problem. Follow these simple steps to make sure ........... I ................................................... ........................... w process your payments smoothly: Home Phone ........................................................................................... Don't staple or paper clip your check to the payment slip. • Alternate Phone Be sure to use the payment envelope that came with your E-mail statement. Using a different envelope could delay processing. Address ................. ................. ....................................................... • Please don't include any additional correspondence. • Last but not least, be.sure to write your 1 6 -digit account Please print address or phone number changes above using blue or black ink. number on your check. TAKE CONTROL OF YOUR CAPITAL ONE® 500011 ACCOUNT AND KEEP IT FROM BEING wlsat's in your wallet? PERMANENTLY UNUSABLE. DOUGLAS ) WANCZAK We're here to help. You can regain your charging privileges and bring YOU'RE BEHIND BY your account back into good standing by paying the amount due on your statement. 4 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. n 2009 ( - ;giad Oar. Capiutl One i a fcdrrally nriatrrcd -rnaicc mark. All rigbcr re med. P e1of2 ' Customer Service 1 -800- 455 -7070 Apr. 20 - May. 19, 2012 30 Days in Billing Cyde i _ I www.capitalone.com ---' MINIMUM PAYMENT WARNING: If you mke only the minimum payment each period, you ! W11 pay mare in interest and it will take you longer In pay off your balance. For example: Visa Platinum XXXX- XXXX -XXXX -0036 Payment Amount Each Period If No Appm>omato Time to Pay Off Estimated i NEW BALANCE ....•1:f s.: ? D",,, AT„ Additional Charges Are Made Statement Balance Taal Cost $6,516.86 :, .: „ -•. 1�S, ,„1 Z , Minimum Payment 20 Years $13,088 If you would like information about credit counseling services, call 1 -888 -326 -&755. LATE PAYMENT WARNING: If m do riot receive your minimum payment by your due date, i Credit Umit: 57,0(10.00 Cash Advance Credit limit: S3,500.00 I rrey have to pay a late fee of up to $35.00 and your APRs may be increased up m the i Penalty APR of 29.40 %. Available Cred t: 5483.14 Available Credit for Cash Advances: 54 4 Previous Balance Payments and Credits Fee and Interest Cha rged Transactions __New Balance ! 56,402.94 j - SO.00 + 5113.92 l + - -- SO.DD _ S6,516.86 Help is Available. TRANSACTIONS I i PAYMENTS, CREDITS & ADJUSTMENTS FOR DOUGLAS) WANCZAK #0036 j Just pick up the phone i I i i Call 1- 800 - 955 -6600 and a specially trained agent will i FEES be happy to help you check your balance and make payments. 1 17 MAY PAST DUE FEE 535.00 Total Fees This Period 535.00 INTEREST CHARGED i -- - - - - - -- J INTEREST CHARGE:PURCHASES 578.92 INTEREST CHARGE CALCULATION Total Interest This Period 578.92 i Your Annual Percentage Rate (APR) is the annual interest rate on your account. TOTALS YEAR TO DATE Annual Percentage Balance Subject to Total Fees This Year 595.00 Type of Balance Rate ( APR) Interest Rate Interest Charge Total Interest This Year 5374.78 I - - - - - -- -- - - -- Purchases 14.90%D I 56,444.50 I 578.92 i Cash Advances 24.90 %D 50.00 50.00 Transactions continue on page 2 P,4D,F - Variable Pate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CIAPffALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121741857980036 19 6516860130000778004 C Account Number: 4121 - 7418 -5798 -0036 Due Date New Balance ci; ;;;n;:.m; >:•.•:::::; Amount Enclosed Take advantage. Take control. Jun 16, 2012 ! ( $6,516.86 \ ' 1 j ' Manage your account online at vuvliw.capitalone.com ...- ..,... -..,,. •Make payments • Review account information Manage your account in privacy 400006 DOUGLAS d WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N•A• lrll. Il111111' llll" Illlllrllrlll 'II'llllllrlirl "II "IIIlllll'I 710 CharlotteNC 28272 -1083 tllllllrlll nlll lrhlllll llulr llrlrlll-llrrlllll11HIll Please make chedcs payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. How can I Avoid Toeing Interest Clia-7 U-N ,nth pu py -pu; 'N% H,!­' in lull, Ti. 6:l l—, Whenwill you Credit my Parinrent b ­�T -my :l,, !l i�. 1) 21 3u Ar Ill Ulf lu! puxl l: 2S Jth i,, im, -t 7 5 It ze t ilr.� Lh, b-n. I,!, Ak �d� p, ET, y y j lu __ F-li-Y uJ 4) 2'.4, . h." tIL'i pyinq 'u'll ill Wil Wj 1�, I i luj trju r-, F ,4 -fV Y"U, %uj� j"y pu, l�-1 bill I.. ull, :h,,Y•y ,fll Cr rh- ;, , , 1.� A u Ih . I I pp!Mrlb M j ill ,.� ot :,U, g-, pfild � �-,vtt 0,­Y. K'-.v �,., ill pu � �u !,: -, lflju� .—I,, ') * ' un iy "i u: ;p l.n , F till. ­z?, ty 5 F.a. ­; fin ?. rl:­ 1 1 -,5:7? tu�;­y Jy 1:,i it A How ­i, - ,t,n :u in uy Dlr� .7 u�-T t - theu i s the Interest utinal, a pplied? ,h­�� ­uu- ti,in :ht It J,t- A. V1, VUuz, 2) Jici , Il -1 ty U� 't 11-� 'bu, 'i uejtva! � 't In 1,7 Juo o p­."d :l: 3) fiul, 1 �y A dh_ tilii,g Period. Period. HL-S Jl,l�uy b_­ m e ine,rd vro Do you Putilis, Pape, Check, as an flegbrilral; Funds Tran sfer? �.ill t� pr­­ u d n- t no Ul ­ All it k p ,il in 1.11. this it le•vu pu r. y — hte;­ =­l it you py lhw udl= 'Ne _he:l x A,u T, u pil, a, T,,u , ud ,6 uc tr :,Li pnvu— th_ :L lh; prbuw r Llupd h­1 '-h,r3 ir, plzip. F�.Io .u, :l A­all, i,,t ru lj,,. T, u i , nu, 0 , <H , lu;: t-1 t, ,u0l:., !­, "N' .; 'y ucy iu J):;,;Ity 't --uylint e. i - tih — t mIjur p­K4 ,txi t� , t* wit h tiwlz,: 1). assess asse5s a Minimum Interest Charge? YeY. A it mill ou INTEREST -RAR5E ',I n,S: : +:i11 to ­r ­J t:-i all h What 9 1 file for Bankruirtol It pu - ulJd-J t- :,!h ,::; this U • t,,, i'll", , U�u Lilly. !l; ux ;I —, pt U; !­­ , J�imk i r,j u, i­ , p,kig ;sh H-1 do you Calculat. Me hrl Iham,? .%'I ­ , a =th,d :AI d Ave!,]- [,.jllj :iudu]ing nee 7 "" "'*UuFt:y vnuu y th, :jUlL it -p-j or pur 'nDill--y ­111 Ra. u :3uril om tnil Jil- - - ,Fill I • TO, rhi�­zh:d. -til�t ,lu, jj in "?, .,n4'.6j!n 'no thz 1: uAi_ ut, :hx BILLING RIGHTS SUMMARY �9­ r, "i me pue tlhn: tfi-n 2 ) ,uftr pyn all, jnl ­±L4 th rut A met Jy. rn- ­Uft is th jliiy :,I­,,I:ie t,, H­­, it YA. What to Do It You Think You Find A Mistake On Your statement: 11 you V.ur there IF ill z­t ill -pui pd ;-,. pi•,­y 0*5 1: " VI :,l! it pu. L*,I l oaJil ,,, ,unt), ­.- rrnuy.,:Wu� v.N:A pis[ .t,hu t-ur,,,flte Ill u, qr: 7"', p—h— r *Jj p• Fju li, - r .t u JJ=J 1 a; th� Aty Al�:;, t ,tbu� th,t — iutj�a t,, ;;­,t plbj , j.- ux 11-1 t, th- JAY , [d Ner 16:1 A­,p 11jily E,,Ixi�e: 1 th- I.-ily illnL s Ugetlher t:l: z,,J) segment -vid 2) dl,ij- tllt yIll ty P.O. 15.:tr — :;5 S, it lcr 1 ty. U I i 1 X, :5 A; me enj A ­h billing :yde, — juwlr iur pij! InVo­s ,F LAID— IT u Ulliplypur A—q. [N.11; E,[-,[K- In jm y th, 1,11-iu:l 0:.w Ax. ty i V, , A ,t� WR Ji, JJ ty - '5) 1,,, thlt sep lo,iL -,nj 2? a ult ti-nuh ty thiu­ :�, t ill m- • k rZ;u 1 . E - - 1 U, Th- JAN �Uut til tl)� vuyp:.va eu t ll� L flod. N37: [ju� Z-- —mling l. it int,­I.Jnqu, th q y -y lx; the nt�,nt �h,,;e P, 1-6rd"i A 11 i4 -,,i ­,u xi y,m till, whitrii, tsliera i=­g -,nd sJhypu How tan ny ru ty, t4ue it iy - iurvlb. Rgtlt (AM che 77 Yu kPli a - .,y x ,n Ul, .1 I lh- 1,` 'g V!�� I 7, 1 Sl!,1 T, lill X-h dt;, 1,,, pu: 1 ,:.::,U1u, y,,U'l ur �Ihiu J,y -Ave, d1- ,u -,�iu, v_,, rut g, -Lh ID*1, ;, In T*;­.T X This "t leIrt, pu; Th-u - t.,hl h-L.— Y'. it ­ p- .ut;,l eu­ ill "JI.-qu Y711 1! 'y Jl U4 D: FID6 Uv e!e:umi: 'lly, rut I %• -:; vv- -­ Code next to your Nos -do we caloilate, your VFW? When your APRs) ;,,t e quir e d u in,,Ai_,!- u 7 ":x_: nj pu it ,,. t. j, u py rre lu ­ it ill LIU esf D .vt sin mtitiy APR(,) Ind x + inargin (previously disclosed to you) will change _mj vlthiu 3C J;.yv:il ,u, ua..Opr at y,ur 1 -tier. — l mae [I rif - R u n:;in th-T J.y A m- Hlh,, p,�, 1 3 u " Ah U El, n ,!,in enl in Ji% April, July. Ind 01 • W, utum tj) 1 IF :-WA iu -Fwp. 'y 711;u peut ,u Th't ,, ,uut --------------------- :I_ Thi �h,t�l it U-Ab I ". "'u, T,Tn -it, 'TlJ — ; 'y :,,utilu. t,, pu 'r—': In,t runt rI.i,! e P.- " 'gh I'll. tiour :Ijy A jlh E, "e, rin Il't u , l; M,b. -pu vAll nt h j, 9,t v, luar ill 4—mix: i! my inn!tul X;h.-, F t o a d, U KR u op, n ' mthly tillily T, Zhic ,u ,,nt Are uoz u the Egg associated with rny account? Yn, uud�, ��lt,iu _h��ju pu it y -� ,'- --y u yuu d:, ­1 h— T,i py lh� ,, ­ul. m r­A�n cii Y�!,d pu ­TL� bt_,ut el? ­­� A O-Ifin ltla�� 1 p" Rld ty l-, the light v,- ­6gjl,,q, pi v;. fispii%iLk I,r m- r. A yju! jlwtev �j .1 uu,�j Pp, �nl J��. Y�u u ,,, 'i 1:4 v4th�ripb: util uJ W V,,1Vo4 n lljhtO �;lrilm 1e- I,!-[- Wt -,uy x.pij -Irl Dwit, ifelsR, .1 --a x me t vTIen r,�, k"'ithil K it Do :P pul 611 Feud 7 lh :,r. et-j th- How canl M—b—hiliFee, It i R NAI�t 4 xi 1! 4 pnu;z ! . nnuA t-- ty _,ur:ilulp 'UALu, ?i 5­i,i cl it - th,in 45 J' ' jlt tt- 1un1 J,-,' in th- tillihq ,nn;U 7:,U; _t :nv :-: thL. :zt;­ th bir 1, 'tiv u zl- thA - - I - ­ Ul ­,luut T, pinn +, • x0l; -ut, -hi) le., ,t, vllv it, �*u t I, lq­! thx, Y­ ­.ux, -,,d Your Rights If You Am Dissatisfied With Your Credit Card Purchases. it 'pu f U, .rljit .vl, uJ pu ln, ui-d ill 3,,ld hi.h u �,­a tht s.-irh u �u `i � yr'p `t`y1ug 7 ' th1t y,. h.-,, put In- J �.fth T, :;_hva. r h— V. •iglt u,e I, ply lth' il" tr.?'jr, du xn th? P­1.1,4e T,, d: ma How can I Cjjtsg_tjV. n.r�i, Y,U :,;l -9,J to t,rr t­,.uoz :1— y- ­,Uut At . ul_'ng " "A 1:t Vip: 1) Yj,­ trust h— ui�l -pui zi�dit —1 d, p, P-h— u ul, kh - -h I ATM -i "ti LIL. ,, t I ,, U u _�e 'p, j, : r e dh L , rd h - ;I�F a t, T, U —ut it, Ov, j", Fit us . J � 1- i I. i k "d WhrnhaErp*nsff7 ... d,d? u_JyJ­ �r yijv `ud yjw uuj put I.jhtt:) 't1lul jie�-A .1;-d 'Alin t.? It 41 li th, 7�u 0 A xr�2 uut ty . a -jo:! Ill y 0 , ;,u e ux ill ',-t, k_lunt tu,pllyi�ll to ptu, ill. , . ;E ­ J­J ,, S Y: u u A !I s= U .will j Y��Ul -1dit :,:J 1uJ 1) '.,n: -1 -all Cre 3) A ­Jil nJ 4 py 11 ,, —rd y_ — to. 1". it lt'y — �!",J!J lll- -ju-nut-5 J-1 :l, n 1, J. Sur L,La try, uT I Krr IT.. do I Make, P,,,nt,7 Al .,y liu lo, p w u "'; py 1-i uu, - pp, ,L 11h, X.-,I upi • I ki I"pi t� j L -, the u,lu ujl�� ,F .Fly t� fti� JIFF—d "T uUnt :6-- --tz— linkh ti ug 1, I:.fiu3 kv y,,ur u :ou!•. 'J „Go� t,;: p'. 2) T- lzmi,hlne VA*” Sys tem' ty jiluly 1 w_-955-7 nJ I th, jl:e pt ju v. Hllu pu it pa pu 'U Viquvrt. FhJ11' thi 1U.lh lul 1-mpnll yU 1uth:1. us r,- illult. -,,! A: N :I V,;: eut 1 v, ill 'ipt'l Rte Ill-, pi—; _Ilsit- --i: tJ­­­ l.)u 7— ol, tt Fuudy ­Vn I;., pz t,nr F­u , thr J,; — d, 2:::Il -pitrt Okie, Zq ll ')m;z 3) Cult, nurl t, :-=.-955-7 and potdin, put V­ r, 4 E T ' -C, Z Changing Address? Not quite ready to make payments online? Address ........................................................................................... No problem. Follow these simple steps to make sure ........................................................................................... we process your payments smoothly: Home Phone ........................................................................................... - Don't staple or paper clip your check to the payment slip. Alternate Phone ................................................. • Be sure to use the payment envelope that came with your E-mail statement. Using a different envelope could delay processing. Address ................. ...................................... ............ ..................... • Please don't include any additional correspondence. • Last but not least, be sure to write your 1 6 -digit account Please print address or phone number changes above using blue or black ink. 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 CaxMta, Page 2 of 2 Customer Service 1- 800-955.7070 Apr. 20 - May.19, 2012 30 Days in Billing Cyde l � M01 www.capitalone.com Credit Gmit: S7,000.001 trsa Platinum XXXX XXXX .XXXX - 0036 Available Credit: 5433J4 NEW BALANCE ii >.c'iii ;; \';i ;' .:a'rE DAT i Cash Advance Credit limit: 53,500.00 $6,51 6.86 , ,,. i i 1 . `: ^ r ! Available Credit for Cash Advances: S483.14 Previous Balance Payments and Credits Fe and Interest Cha rged Transactions New Balance 6� - D _ �� 56,402.94 50.00 -F ( 5113.92 �. SO.DO 56,516.86 TRANSA CTIONS CONTINUE You mere assessed a past due fee because your minimum paymenhn'as riot te;el'ie by the due date. To avnid this fee in the future, tae recommend that you allow at least 7 business days for your minimum payment to reach Capital One. i i I f f 1 i 500012 Call what's - in your wallet? IT'S STILL NOT TOO LATE. � DOUGLAS) WANCZAK Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! YOU'RE BEHIND BY 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. n 2009 Capiml One. Cap ital One it a f.,L -d1y regirtrrel.rer u.r nark. All rightr ;—r—L Page 1 of 2 7 772 \ 110 .p ' Customer Service 1- 800-955 -7070 May. 20 -Jun. 19, 2012 31 Days in Billing Cycle l I � ' ,,.1 • www.capitalone.com MINIMUM PAYMENT WARNING: If you nuke only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Visa Platinum XXXX- XX(X -XXXX -0036 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE .s.leci.ci33 \` ASi\ ° ;i\ ""„ VTZ'. Additional Charges Are Made statement Balance Total Cost $6,634.89 16: 1012 Minimum Payrrent 19Years £13,125 If you would like information about credit counseling services, call 1 -6&5 -326 -&755. 1111... 1111 ....:...........,........ LATE PAYMENT WARNING: If we do riot receive your minimum payment by your due date, Cre ilable Credit: 5365.11 Available Credit for Cash Advances: dit Limit: 57,000.00 Cash Advance Credit Limit: 53,50000 I r:><:y have to pay a late fee of up to $35.0f) and and your A my be increased up to the i Penally APR of 25.4090. Ava 53 05.11 i Previous Balance Payments and Credits Fees and Interest Charged Transactions New Bala 56,516.86 — SO.00 + S118.03 } 50.00 = 56 634 89 .. ........ _... <c�. .. .. 111 1111... Help is Available. ( TRANSACTIONS i PAYMENTS, CREDITS & ADJUSTMENTS FOR DOUGLAS 1 WANCZAK #0036 Just pick u p the phone . i Call 1- 800 - 955 -6600 and a specially trained agent will i FEES be happy to help you check your balance and make payments. I 16 IUN PAST DUE FEE 535.00 Total Fees This Period 535.00 INTEREST CHARGED - -- - - - - - -- - , INTEREST CHARGE:PURCi4ASES 583.0 INTEREST CHARGE CALCULATION Tutat Interest This Period 583.03 Your Annual Percentage Rate (APR) is the annual interest rate on your account. TOTALS YEAR TO DATE Annual Percentage Balance Subject to I Total Fees This Year 513000 Type of Balance Interest Charge - - Rate (APR) _ Interest Rate Total Interest This fear 5457.81 i -- Purchases 14.90% D 56,551.44 583.03 i Cash Advances I 24.90% D S0.0 C I 50.00 Transactions continue on page 2 P,L,D,F - Variable Rate. 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 4121741857980036 19 6634890130000962004 Account Number: 4121- 7418 -5798 -0036 Due Date New Balance .`ay:aa: Amount Enclosed Take advantage. Take control. i Jul 16, 2012 ( $6,634.89 ( C -) Manage your account online at www.capitalone.com • Make payments Review account information Manage your account in privacy 400006 DOUGLAS J WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N•A- III' I"' I' Illlrrlllrlllrlllrllrllr ,1111111111'IIII'I'I,rllrllllll 710 CharlotteNC 28272 -1083 111111 In IIIII' Irllllnlrllnh "II'I'lll'll ^IIIIIIII'INI Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Out I Ho, iiin I Avoid Paying Interest Chani E,'-!, rilirt ylu Fey Y,ul 'l in U!, you g ill II.— When will you Credit Me Payment nutim -,I, 3 •,.e F it .5 j., "ith ,, r—•—C Ii pv�hj�. t,ilv­ 31 Fit, ".1ible 1e, Am I J,,- :.�i, it big I�tl — i"da t-, F.Il ET put hjt- + J 4) 11 yin; h---,- tail -,yhj Tjui I I I -It III toli Viitl n' inreleit jl,ag�' i p;Jhd InJ Vill F x , ilid tao,. 4 it thi --in i" J,r r..-.,: iC, I? yij 0,i btli, tp,ul", it ttii di nut :,yy,,t, ued hill in fi,!!, p ,tji ­, ch,,g" ,il t? ­-Fzed, There er g,-­ ,tbd on syh airier Itj1:1:, I y,,u, J.- :k I,. tl .n il i IJ 'l, Y", , IV, z"t in li :I! :., •,Ki,l it in VA.zo,, thu;u ;u it unFA tIl"llu Uir. I p—iio; tilL F—Ii,inj ty5 r-n . I—! rju Ia. llz.­ I:::s It -'r, :7) biIi—F JV lif I, Iil A ,i;Ifdl -,Iu Him is the ftdIDIIL&harge applied? fint—t J,Ii —1— Itin th, 1) dIv, A tl: IiIi-Ji-, ') Jri the ­ii�dty " It ­y =i, 1—ti,il it in -Y " ty - ­Jit�, I, uttp? I'l— h-n- 3) fir A 1,1:I, 7l Jul, it the tillill p-did. Int- JIFp lta in unr,id an Do you Process Paper checks as an ELP.Monis jandiC? Np, I,nt, Will to p­qzedl in in- it t,.-, Nru Iri P,ij in Iull. Thi s' I ­,� yi. it ,y — hlto�ett even P. y'll Fi7 m, hl'— one I, _� IM"i I _hKI, It- !j !r aka j p,V, iW, Iurhidziu or our GLn'tit- th- ;j" li, thi tin A 4-1, -h,:j-- I- 1,� ­ji, �rq il li 1 �­nit n I!, I �_n� fn - AH i"'41" fill Y,.u, tha right wl,,! JIIiIwt It ; —lit? hitini"0n ti p—loy the i,,Vr ent I Do you assess a Minim Interest charge? Yes. An ill Il1TERFST.'.HkR5E A 1�S' sAl to -­Fuladl F-! IaI:h What it I file for ftuosum? [I yiIt — dIt' t,- tvlto t.y PlXi:lbll. this noli;Alll it bl biliq eOid y i� Iautivau It. ot %t:h,.ig1. ulfly. t;-Illt -I. I utti if J�t, D: J,iv. - njtzenj Uy .-Inio tt.�Jkjvg ;ih H— do you calculate the Interest Chil %Vi us, I F, eftl „L' tod lk­,ja Daily Nvr- :40lidin3 u- P", tjnUIit,y Airt-y" it, Enl Ziust it ,r i; ru:u jq),Fley wi-A k is tvlrjupcy _Iin tl A. - III, Y,io Iw,jn der 0,, zi • I U'.K:2=5 • i,R take 'iry, UT 2413; ;:2^ and h 1:u6iji- iriti —L :h,, iu in rnz ;!A­ J,ys thiii i.y WILLING RIGHTS SUMMARY fc),­ Pov. A A-1s, F. ­j I, th't thl it 't j,y� 1`11 —ift i4 th- z Illy tjttn. � I)r it�h �ey n eat. Hiv—, i yu What To Do It You Think You Find A Mistake On Your statement 11 Vill Iran: tn>re is , I .0 it it, y F-A p. pliIritty ullitht intull ir it piji bul,tii�� riii I ueJlt,,n juril v.fil:h pus[ 5,t,n -jitwjtir, its -it: y"'! pix " cptaJbl P.r.h.— y?3"zontv nir Jlid ii thr JA, UITnes. 4ttj.tjnmaJijue th"t I;-. ijtje'ttj iix IddId. the dAy :,Ian I w. 1 io ta s,J y 5 D. Ei, 3­5 ty " A­-j DAY F'I"ne: 1; j Mi 1 _ --ily td,!,­ I'Dht, ti, ,_h Fu4n a;,t I.d ft I, k� - ip;, j. r i d,yy ;;I the rillilig A! DI -IJ1 decln kvu Ila 0 ply yj;,r A­gz Ilift IcAn:e 11. -i-I I Ohio t,11,6,q 4.1-, A,lc 4i s dh.,ioi,itlJl.,,a- - D'll,, rhi J,li,f sxa :0, the "t.l;y 1 A Nitll,, 11 y- th rlheii i4 -,u ,Irii in pw till, ­tltu s.fi,t you t-liev, iF ­,q lid vvtly yi. Fl— can toy t Sir It in tiliie it i =, ll A,V,. �=� T R.L& (APR) da 9,7 Y�,,v um n Iy J�Z!, it the , I;— N K-tAl — Ti find Aizh is ­j lit Y. Yi,j , ,�l _Dllt,:t Us V.9thin 52 d,p It-, jl- ­i, II:V-1A it, la"L bl�iu, b lette �Jjio ill It,?tr,,r J ir!ti� v1itin i,lt 1-ttj pu: *Wyl, Thin ,hl,krhi tmiw LA'. Yii IF u4luitity,!v A FutrilGI -11­ n VTirfjj Ybu 1: IV Ill as 1,. -0.7 uF to I yju Code ..A to your H. d.ItulineyAPR[li)? Wh.ny.uIA u0 APRs) {Idea — . + margin (previously disdosed to y ou) -ill change I F' - RIe a "'in ID 1 lj;a ny A if, ttsin:; t tv"il, it nil li,s t- , I 1 L 3 1, inth UKIR n j i!, Jsn.. Apil. July, I d C11 %N i Try It :Ai:.t it au unt i" A,­+6j,j, or jqia -J,: IF 1t141 fla"t if, M,t "; jo,t F.- I ti 1-1 9,yot Tlh- it ;tjelai:vl n +Ill n. yi2, Iz1,T-u lea nd - I , I. Jtlriza y,:, nio:ug :,,I th,t iltill. F I it, um - . ux h j I n FlAz, 7,;, �- !_� pty 1i ­lt !!I i! nrv,! y _-q it )Vi-, U FOR n vy" mly flinyl,-O'd ZIIL� 1. — j - if I d- 'Arl - - teas I, that, lint Are. Te'. "ifiti—I r—, tist tier ed -ith try aunt? yu 5. ill !e, ­tin J, :�)n n tat, yuu 1, Iy­esF?j I • 'AIT� J:, nut h,•.•- I. F.,y me i-on ill :P_Iim in!IJI ; liti:i I* ­iulo it it,, LIt! N)" Yi., n nisi It Cr-lin 014s it pem ft(iJ ty 1'. ffi- light ii nit u,"APA"t. you 1 the ""iAi! u Y­ I A JJt ,i W. 1"I an I It, 'NI, Fee, 11 1 lk�nt_l z In I;io tati.- All vind rdl_ 1�� ty ­eun ?r 3�;YL, i I,, [I — thin 45 Jjy. iftittl IIA JI1 ill [h- billi;;y j , in 1_1 4jt_n-e,s;, ,: the „nuns Ihi till i 7_ "i-id ty �tt��Fl �il ti I.It y:I. ­i­ z, I ii intl if ill �,nrja cu�_I,n III 'iqu I, ;h2, — -1— y -ion. ,nd - 'A util, j�t_­'T'4 Y” Your Rights If You Am Dissatisfied With Your credit Card Pitrau—s. 11 yill j; tit tt,thip I;w.a. rl'W.I thA y,u h,,, pts r eth y,-,, i.Ait ill y,. I—, iiiitz! ir, g,A hith U ,,.­t the pitln s. ah the rr ;J. nt, �,v. I y III,- rr, light , it 1, .1y lh- isau inmA j;, i,mt due n. the pe ck,. T (hI 1 (716'. All, JI—rn'. Yin, -;I `v Ulit'ing I . , dofill �Wi'll ?q:IIil1IIny ii h0hd;n3t-,lI,­ F�yd­uisltj,u Itoll I . uuttb I— Pli-­nuz dmil wj, udit LA , ch,, pi,l. l;,.I -ilto trl, Y,u -,Fkui t'... I,. .. :,,1 1) Y,s- I,tt h— ­J -T-, :,A.t -At,, th- :,,,,h­. P-h- uA, with Iduu,"hin ATM id, I - jo ­'o" nj A itiin isly" Wit d �tl ,it ye, 4 ully F,it' b, t- V v.hx�. r. Wi hn, it is d"D %V- JiF, it yi,i ­,rolr -,nd your i.jht,:) -edit I the iI ti, "i I, it 'nj )�.0 VJr, t. Ile ill mirgil It: , "'y In a I, d tu ; --n. m.;, 9 P. - t 'ihl 14,uli. —lilit tut;�nyli!. �,n te P �-nint n ut. ­;y_ 11 .."o i, F"-A -T ! I Sae i : :g yu dit lid 1--lit 21 nl A A It, 317 . :Y It_! i1it - A� "d ­ Jt­v, Ilid 4 ,,yell, it ju y. — u ,.m _ :.h,rg.J I. K2� I',iom •. d­ it tl4ir7-7. P ,V. Ldk< ity" UT..`41 3­� How do I Make patinue, At say dirt, F!, 11 11 11' -ly me hill un V to o, n th, tiII ­ FIid nil—mt, it �uy i IT '�j . )� ,: _1 inh�t­, P,y,i -oun 7 tin j .11. _,111 "I zr idle Ir.oy I, dl� JiFro , I - - , unt I% Syz­d Alh . Iirliwh -I ii.ity : Pingti i,l� Y. it i and ji,nl, �,y it I, li Te;kt: R`.ip.lili, SIAeu wd lill­iii I-jLi. pinpt4 ' %S }..0 ii A'I I zq, y- i,�Cdllltilit InAW 1 dm�,A,Dilil "n'th""fl; "'Pitil anzo =uFF ir= "bin Iviii p6—I. F' -.V t't- ttt j�tai`i till y-, Fundy y tt I;- yi. ­t o"ilt It F­; .Pu dl: Y'n - J,y 2CI 1 - ,pibl r, j6_4 ­­J. 11 our no, I -777; :rid P,Aling y"', iOu"i Ill.! r, N 4 potty l ittitt-u-Bilig dj:-"P tirtm- Changing Address? Not quite ready to make payments online? Address ........................................................................................... No problem. Follow these simple steps to make sure ........... I ............. . .... .................................. ........... we process your payments smoothly: Home Phone ......................................... ................................................. • Don't staple or paper clip your check to the payment slip. Alternate Phone .................... • Be sure to use the payment envelope that came with your ....................................................................... E-mail 4�� statement. Using a different envelope could dela processin Address ........................... ...................... .................. . ................... • Please don't include any additional correspondence. • Last but not least, be sure to write your 1 6 -digit account Please print address or phone number changes above using blue or black ink. 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 CaFMta ­7 M OD Page 2 of 2 l �\ Customer Service 1.800-955.7070 May. 20 -Jun. 19, 2012 31 Ways in Billing Cyae ��� ?.�• www.capitalone.com —� I Credit (unit: S 7,000.00 Visa Platinum XX XX .. XX- XX -XXXX -0036 536 NEW BALANCE ... VI'W�'' : a1`. Y Vii' DUE. DAY ". Available Credit: 5.? 1 Cash Advance Credit Limit: 53,500.00 $6,634.89 ? ie- :v ! 6, ".i -I Z. Available Credit for Cash Advances: .,365.11 Previou Bal Payments and Credits Fe and Interest Cha rged Transactions New Balance 56,516.86 -1- ( 5118.03 I + SO-DD o Sb� - 634.89 I ! i — TRANSACTIONS CONTI you asere assessed a past due fee because your minimum payment! ^:as riot received by the due date. To avoid this `:ee in the future, the recommend that you allow at least 7 business days for your minimum payment to reach Capital One. i i i IT'S TIME TO TAKE CONTROL OF 500013 what's in your wallet? YOUR DEBT. WE'RE HERE TO HELP. DOUGLAS J WANCZAK 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? YOU'RE BEHIND BY Please contact us to find a solution that's right for you. • You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the arrount due on your statemeit by the due date to eliminate the risk of being charged off. 0 2009 Capial Ohm. Capital Or, it a federally iVuterrd ren•ire thank. All r,gbr rei—rd Pagel of 2 + \ Customer Service 1 -800 -955 -7070 l Jun. 20 -Jul. 19, 2012 30 Days in Billing Cycle ! or 1.C - www.capitalone.com MOMMMOMMMMMM MINIMUM PAYMENT WARNING: It you wake u:Iy the minimum payment each period, you Wit pay more in interest and it vrill take you longer to pay off your balance. For example: Visa Platinum ` XXXX•X)OIX `XXXX-D036 Payment Amount Each Periodlf No Approdmate Time to Pay Off Estimated i NEW BALANCE ?i„ii' Additional Charges Are Made Statement Balance Total Cost $6,751.68 ?:$fi..,. A. t; t • g6, ,,, MinimumPaynent 19yeaa $13.166 If you would like information about oedit counseling services, call 1 -6&5- 326 -&755. LATE PAYMENT WARNING: If we do riot receive your minimum payment by your due daze, Credit Umit: 57,000.CO ar nrJy have to pay a late fee of up to $35.OD and your APRs may be increased up to the Cash Advance Credit Limit 53,500.00 I Z APR of 29.40 %. ! Available Cred t: 5243.32 Available Credit for Cash Advances: 5243.32 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 56,634.89 — - S0.00 + 5116.%9 + 50.00 = Sfi,751.fi8 -- � Help is Available. ! TRANSACTIONS j Just pick up the phone. PAYMENTS, CREDITS & ADJUSTMENTS FOR DOUGLAS 1 WANCZAK #0036 i Call 1- 800 - 955 -6600 and a specially trained agent will i FEES be happy to help you check your balance and make payments. i 1 16 JUL PAST DUE FEE 535.00 Total Fees This Period 535.00 j INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE PURCHASES Sal.79 Total Interest This Peiied 581.79 Your Annual Percentage Rate (APR) is the annual interest rate on your account. TOTALS YEAR TO DATE Type of Balance Annual Percentage Balance Subject to Interest Charge Total Fees This Year 5165.00 ! Rate (APR) Interest Rate Total !nterestThis' fear 5539.60 ! Purchases 14.90 %D I 56,679.00 58179 l Cash Advances 24.90% D I SO.00 50.00 Transactions continue on page 2 I P,1,D,F - Yaiiable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 70 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4121741857980036 19 6751680130001146003 Account Number: 4121 - 7418 -5798 -0036 Due Date New Balance Sfiiairs;: •.�•;,,.::: Amount Enclosed Take advantage. Take control Aug 16, 2012 ! ( $6,751.68 j Manage your account online ...:.,:" ; �! at www.capitalone.com • Make payments • Review account information Li Manage your account in privacy 400006 DOUGLAS J WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N -A- 111'1 "1111 1 1111' 111 ' Charlotte NC 28272 -1083 111111 III "n "IIn "11' ^III11111'llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. GGI Now can I Avid Paying Interest Ct.,.,,? Eh I iIVh Y,, , Py '?ley: in WI:, y,. .fil l-, Whenwilly.. Credit my Polinerm P-r 1 ,' it 25 I.-Tz rich Ili 1.9- A .h,,4: irt j!: i­ 1) po hl,,. r., A-, ai F` -It � ii ,, t, pi,, , 1'. J,y .,iv IT, ling 1, j, tv 5 Vx ET. F-h- 11 t-zan F,yin4y­ TAI yid, ", int-­ Y [ J,e, 1 ,, Z�J J , i A th, tuA.4- jjy_ ­, t s 1­g 1)y,-, 4,tltl, hitt," ri;0,1 It this 1, l't "-d 1:111 WI, ie�.­ :hyge• ,flll to ­rFyivd. I .i �,­ Viori'll ill 'J"-, lljl-:­;, 'Illyiu, J,k 4,lhz y"'! :4 5,>j Jr 'i :Iiin 'A�,lth­ i� -CA, hlxnu 1_ -, I. . pri �uyz till. lvq : tnze, by 5 u, . Ix,! dr, ­M' twit "y ^: Ix , it E, �i,d by iF I , ny gin- I it i , I.y other I-' It 'y nul t - ­1 it-j , it rhr 1,.; ­i, Now is the 1, - t applied? h*.­r ­­ Wit th, 1) djt� ll� V,niti,e'. 2) J,L 0- 1, :';:I ;hr tilli It i,vlt Do you Process Paper Checks as an Electronic Fund, Transfer? ftp, :nb Hill t, li­zol `:1 4i it t-, mr[i jr;, p, in:.H. This l pu !I,y aye ireezx :.hl­ Teen it y- F";th- r-0, P,P­It,T­ "thi, "Y it n,r , 3-r" 1, use th, .1 at tur -H o it jth�: e 1 J, ­: tu,.1 n i?. lid di y 1, [he ii"'i" inn. "I .h . g" I dip pip ir. go -1 v,v 1�­t hit'l, 'zi w 4, J�ViAl W­ 'y le the rig ­,hu1tiin n .0 you assess a Minimu Irit�rTftt It What To Do IT You T zhA A l I tit at it I ChaT ��Y. A t 11 Itill LIll INTEREST '.144135E it Al to ii^siied 1_: : ,:h What file for ilinknox, It yi-U ildd-J Z, ta,loult�y d1[his wd �,Tiin Ai n N Tl it ly N43 Pi i'J yi.1 4 .=d iub�t J�tl �: _I� ill . I i :,-,, --rl J wtiouz, Ah IM , 1111tily m, : Ch. TI "i", b • j,iliui, t�y I, [hr il,rItu;: Ly it,; L :t -1 i: y to L,rltzwt, J,; Now do You C alculate I J me? %M1 I. �thij - :�j A,,J� Dally :ilrdtidirg I , oDt .1 K"a 5 • S uld-, IN It' �th-_J. a li,it :-,Titlo� y- JAy tit "i ` 'l 46,lij b l: v 1, GHTS SUMMARY ?4 ­ dy, Fl�; �Io '.jFil.,l :)nu • r, E. � -A L,k� r-ity, UT 2 ji it, Ile, ,d zhC f, �h nzi­t �,?,� in d, p•Li, WI;e. "':in tl �'I; ", q BILLING RIGHTS �, pp l, f . 51!;. fi.Pl- 4 _­6! i�.: -ift I. th- 1,, �,h Hi-it, YiL� fii k You Find A Mistake On Your StatementStatement yju ftir tn,­ IF ill z­i it Tjut ;;,yn ,a, ­J -dit' p z if th�t J Jy. rn� F-'Il 7:). Frei­ n ' i nth's nk- !,I tull :i, it hl�,,�e -5 J, Z'dil v, ­e), I- hi�h po =t i1 il- Ti it -j i �� ­a� !h't l­ - �-jlj��' t, ti y"t r. . id P-r- il3i ?,.0 dha ALD, b j ay ­ Veij " ;,it I the J­ily It,1­1 N ft. ti Is, J y,,x Ali 1 13, ' Nil y 1) . 'A die d, ty ltt,mi ir u3edl, tit ,:h yegt! l'T, uld 2) di ,ije ti, iul by P.D. Fil, �­ F5 SA ,Ik- fly, U 4 4[ XX,2 A! lid it go... JI til ling _y: ie, w J, tit, in- yi;o _h,,,?z fit]:,- 11 it vliply Y"! A, I, g- 1'. yJUr hm., gi, us the I'd :n A 't. t" tt,a ved,li; 't APIR diidj by 55) h, th-j! Frg!l _ 'T i. ulli;ly V, I_ tyth- it.!, t, it j,ys in th- - 4 it, 0i't it,,: Y­ •ia ld :.."t oul bia, alto 'ITE: Cwii ti , -dirg o l ;;; , it; d u rti� �� s didzyd�l n ty-yt- 'u Mo. JAIIF �-,;,t :0. J, yuw "."d tot'j, it It y,u chintthmre h,n it- ill fill, -ty ,lid v.•hy y­ How !� II (APR) change? }:•: AM !I sr ­-J ill ttie " V), IArf Sire ij :er':eFarcel in t,0 A - . 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Tints If You An Dissatisfied With Your Cm.dit Card Purd-s. 1: yiu - luw:t�ti?J,ahth� UA.jj tj .1 j ­d. vid 'SI; ylit, ­+,­Ing 7, r, ody Tit v 1. ­ate,yh, thit y,tj hr, p-h-1 v.ilh .f:Jt .nJ, id y- ,tbi.d I;, 9,*,d lith I I-i th, ,�Ide,, ith the it ?:.J.:mt ,­ lut h­ th� light rit t, p,y th� ,v, �lninA I, iu,It luw I. Ti -­ h � light th, ­"utAt dare 11 '114 lill-t;juigh true: mll'i'l i`lujinj �Ikjl­ ,y J- 11,ill Ai" .,d I— AT ,j, Z,,dil tht .ith �A ,,ATM it .ilh it, , 1 � 1) Yi,, uA h- li�.l 7, dit. rd if .4,zxi 7- i-lar tt�l y", A F it, +,e Z, n yi it light tlg 'A ,ny 9rra tit it A it rh� �;h,i, �ti I �t ,,j Y gN J;"AA;md .ithf, it, !,y ­ ,in, it t,ew -jn�nl ; [� rju e n't;n - ,t"A A� P ­;;. lt t ') i.,,I �11 - a. -Lt. "; a,e , ;:Ju n [ i Jj " F,4 tour ,, F, i st 1, SUF. Uh:j yi -dit L1 tllTi� "L it thiy j�4 K-2 Ints, 311- 59.y,1! dt �xdv ji I d-ti, irld 41 I,,y ull it- 7 .1 TI Now do I Make Pierernerit T ak, .,y lik It F-,y lhia ., init p,),, -nt the lit,l �l Irly 11 I.irl, y �1. IN �,l "'I" -'Edy t, IT �11 iulit :'u-:1 ZAJ finkli Out it. i I) aflh.a by 4-A'Ai! thinic y. j iti 1. t'il 7­ Jul J�jub;;. ir, ­4 I'd y. 9J I- P%-y I ,y 2) TO,L tt,le Syiel by diAhl_4 -E�­955-7.=, Iud lik.-g th, iiia X, ?01=n y,u , vk= PU UF d-Finquo"t. , :, ial�a­li �nt th" Vil; ',pin! i 0 Awl iii-, .I -IbA, A jr, i'r ,[.I thr -th )IA yii, hlfti,t� el A, *1; "llip I Id­lly italli:? :I IV- All T�hti ',yttird. It,[, Y.! F-IF ­y lijl . j"t ­j-,lt stn -ju 4`I, F,!, - J,y do 2C11 - ,jJTA I., 'IF - V-.[� ­ :,, ,,, F­ilill3 y,,,, bititr Atilt ti -, I 4 Pyv _ntw by ;I ,.;l 2hiuldl to v_ltti, th. . I Atli; V­ifj a n the tizli,l FJrrJsi :It this -!lt F T I I ; 3;11 Changing Address? Not quite ready to make payments online? Address ........................ .................................................................. No problem. Follow these simple steps to make sure .... ....................................... I ....................................... we process your payments smoothly: Home Phone ........... ............................................................................... • Don't staple or paper clip your check to the payment slip. Ile sure to use the payment envelope that came with your E-mail Alternate Phone ........... ............. ................................................................. P • statement. Using a different envelope could delay processing. Address ........... ......................................... ..................................... • Please don't include any additional correspondence. Last but not least, be sure to write your 1 6 -digit account Please print address or phone number changes above using blue or black ink. 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.capitatone.com Ca Page 2 of 2 Customer Service 1-800-955-7070 Jun. 20 - Jul. 19, 2012 30 Days in Billing Cycle I i C 1 ° www.capitalone.com Credit Limit: S7,000.00 ! Visa Platinum XXXX-XXXX -XXXX -0036 Available Credit: 5248.32 NEW BALANCE iic3`�iS ; >: G ;i \i ;a,..F :iii Cash Advance Credit limit: 53,500,00 i $6,751.68 y:......- i > \ .<.i;g:: Available Credit lot Cash Advances: .,248.32 Pre vious Balance Payments and Credits Fees and Interest Charged Trans actions New Balance 56,634.89 — f 50.00 + ( 5116.79 + 50.00 c 56,751.69 ( TRANSACTIO 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 for your minimum payment to reach Capital One. i i i ' f i i i — J 500781 You have new payment opportunities available. See the next page for more information. Ca Page 1 of 2 ice— - - -- Customer Service 1- 800 -258 -9319 i Jul. 20 - Aug. 19, 2012 31 Days in Billing Cycle www.capitalone.com/solutions IMPORTANT ACCOUNT UPDATES Visa Platinum 4727 -7418- 5798 -0036 Yow full balmoe- is due. Arty payrrert you make will reduce your halance and help Pay o0 i NEW BALANCE PAYMENT DUE DUE DATE your debt faster. The amount you am may differ if you've entered into a separate pays ent agreement. i $6,872.70 $6,872.70 PAST DUE Available Credit: SO.00 Previous Balance. Payments and Credits Fees and Interest Charged Tr New Balance 55,75L53 + 5121.02 j + ( 50.00 _ S6,872.70 J TRANSACTIONS PAYMENTS, CREDITS &ADJUSTMENTS FOR DOUGLAS) WANCZAK #0036 Help is Available. r FEES ; Just pick up the phone. I, 1 16 AUG PAST DUE FEE S35.00 Total Fees This Period 25.00 i Call 1-800- 258 -9319 and a specially trained agent will INTEREST CHARGED be happy to help you check your balance and make payments. INTEREST CHARGE:PURCHASES 536,02 Total Interest This Period 536.02 TOTALS YEAR TO DATE - - -- - - ---— J Total Fees This Year S200.00 INTEREST CHARGE CALCULATION Total l Interest This'fear 5625625.52 62 I I 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) Inter Rate Purchases 14.90% D 56,797.10 536.02 i Cash Advances I 24.00 %D I 50.00 I 50.00 P,L,D,F — Variable Pate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.C:OM/5OLUTIONS TO MAKE YOUR PAYMEN f ONLINE. 1 4121741857980036 19 6872700130006872707 Ca Account Number: 4121 - 7418 -5798 -0036 Due Date New Balance Amount Enclosed Manage your Past ) $ 6,872.70 , I account online. AQ Visit www.capitalone.com /solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. 400004 DOUGLAS d WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG, PA 17257 -9452 Capital One Bank (USA), N.A. 1111111 ,rllrlr'Ill'rrrllllll'Il' III 'Illllll'I'I'I'I'I'Illllllllll 71083 CharlotteNC 28272 -1063 nlllll' lll" nlll' lrllllnl rllnlr'll'I'lll'll ^IIIIIIII'Inl Please make chedcs payable to Capital One Bank (USA), N.A. and mail with this Coupon in the enclosed envelope. GG2 Its How can I Avoid Dm`inn Interest [hames E,;h r-th y Fly y our 'N- F1,— in U. you gill h,11 `, Whenwill you Credit My Pavrmra u, jn.. - -F. ':,]aI _; J,y'uC•.v rt :•t. ,. ,,fn -s: 11 F,,.h'. ,tl'..e t vimt -.a 1 -,'.. mlin- ain- -r n,: 4h�1• -" sit Ptu ],yx.. tC: Ury: =:; `h .. ].. cy 't," E. F h ,nJ 41 .Aha ,t'nge It y,u h— L [: , g . am to 1 I s :i :ra: uy- "'. 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KIR n rgiti rid ill l,n.,.A;ril, July, 'I'd 7t I Your Rights If You Are Dissatisfied With Your Credit Card Purchases, It you vJd; t -n= Jiss,dsiL=J he ga,Js al ' him -R,& if „gin Tlr sit s, ],}A n - h serd;- vdt:rtyn:h,r•Fsn;R,seJ.:dh you:;t-Jit:,i], ',id y h,, - e tieJ In 3, N.J. t, ,:n : the Fr: firm scith F I',"ith UCC(t anthty lillina : -iiaJ dr it sae- •net you n iy h, :^• the sigh[ rr,t U Fly the in listing ,:r:n,nt due n, Cie I:ia;h`.is -. Tu us- C1is right the are there Addild ... I It — .... diss with m acmunt7 Yes, under ; -;t,in ;ir;urrs ^,na y.,u n'ay is :,'e_e,� ^_, 111`_-1ircut h” ;�e ywr:.iei;1 ;, ,br th- Fu:;h,se. rm;h,as ,ds ;,kh:,sh A-- tr_tr ,n AT! of v h, uA„r Dnoe]PSinrt to -. you m,y,lsuh�esasseJ _Ii'. itL -s R Fnnit ty ha. g''Aill,iso t- tzquicit, ;hv:k that'a:.:esses y :w ;e]it :,d , ;:omrti: u�t qu,lity.,ni p,`; ::II 3! 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W- r- se:•r: d.e light U nn uvv-n; I'- +:31:.-12 Vim. noti:- end ,:itho`A -isMg am right t ,s = <s, , .rill. d ,II It Ce ;lireri, ,rase me n'et,nJ y,u m- .viii its =t s1i -J ,-.iih [h- Fur;h,re.::n um j{yy7L§ry'y `,t What happens if It Aumtnt is Suspended? +.1`1 is y:.l— a! su: FenJ r:u„ ;;:,unt,rd y-u light C,'tr',in =A ',ny viii- `md tar ,ny Iciean, xszn it y,u •ae net in det,,x A::,ont susFen :n. to F- :me'e't r ten F::,:y. n 5,I[ LL- city. �_T g1K- E5 7'uui :;:aunt is ;l;eJ n susFenl -J you must 1) sr, u:'iitu s•,"I ; eid !.,,J - d .;.aunt 2) ;,n;el "II uubn,t!: Whil, w• in *F ,r. the srom- rul.s }:ply r: the 1iq:ute] ,r - :unt ,s Ji sI -',J 'oh Ahri s:^: tinish :wt p,Arent', 3) ;le:my,i!'!"'t;y: ]s ,id ,:. -ss ;h -: ;k:. nd a) e`,y :ll ,n:�unts Ti. av� :�. -,-•n d thty. s ear ;h`,rgr.] . ,ft the ,::aunt y;,s J's -] ,r sus. -nd-7. : .P:”, t-lig's] ,ru "SI t4 yr., ouiJr.Ssimt..at C:,t pills, it i;e drink you ;rre',u = ,['scot vri]]o tot p,y $I ,y How eo l Make Pavmetds At s, y,u ir,y pay dr rriniirun 'p' em Cr- 1,1,'l u,tF,iJ t,l,n;=. ;nar;'an'x,ii ?. b: tetvaen. r,;•rr -nts n', to n':J- in s,r. rl s:eys: C,Fit,l :nte a;FF: rts ioUin Fihry pr_:.tian: e_ - : w 11 Jrdin- ty going U —FR,bne.� „' ar:7logging hrt:, yam ee;ount C` Y.,I I C'Ph'l :ea. -'V:Rd :!ne is , leder m; i- gist -e] ,eisi; a n'utl Nl rgnc` tes<i`:r:i 2) t- !e {:h'nr V:,i- k,sF:x!sc iy tam ty ]'ling 3_`. -7..7 ,n] ialbning [h- v,i;- F-1i 11. +,St:esl sou Irs'c ph- 1'- 711- sl1hl:,u_gtt :,ui r:,! :- ,�rthniu u- tt ilithir- :m !s: H Us r:le:.u_ni: F,srent?h,t VAR to ] it-] It's, r :ui I:`ntK,'.'.,uot FunJs is y t- rith]r,'.1t in[ ;— b k ,;;: um ,= etn,s de s,mx Juy y ;e C, ling' n, it- l- Ftorn: �'C7:: .rviiiiy your ird jl;fi it t•"t ntFtes_ _ 3i FI' ;iK,n v:: d/ [^sr -un L•y mail shoul9 to sent o the n'vil!ng u]iess pIa ;eJ an do L:oa n p:,rdm, DI this hsr-rr -it FT:1” To change or update your address please call 1 -800 -258 -9319 or visit www.capitalone.com /solutions 2i �l -3 GlitA3E.RL YL 'R FEV PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN(10)DAYS AFTER riling of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ; ss AFFIDAVIT: I hereby(swear) (affirm)that I served ® a copy of the Notice of Appeal, Common Pleas No 13-2918, upon the Magisterial District Judge designated therein on (date of service) , 05/29, 2013, [] by personal service ® by(certified) (registered) mail, sender's receipt attached hereto,and upon the appellee, (name) DOUGLAS J WANCZAK, on 05/29,2013, by personal service ® by(certified) (registered)mail, sender's receipt attached hereto. SWORN(AFFIRMED)AND SUBSCRIBED BEFORE ME THIS 29 TH DAY OF May,2013 —Z Signature of official before whom affidavit was made gnature of a pant COMMONWEALTH OF PENNSYLVANIA FC,mMNotarial Seal iS gIoNn ael C.Sowa,Notary Public lns Twp.,Luzeme County a� F.Jt iras Jan.24,2014 Memheor PC?s ncvlva is AcSnriari�r.nr Nntaries Title of official My commission expires on�; 20 14 AOPC 312A-05 Postal Postal CERTIFIED RECEIPT • , RECEIPT c7 (Domestic Mail oniy;No insurance coverage Provided) -a I (Domestic Mail Only;No Insurance Coverage Provided) nj = ru = ' t~ N r r. 7CCertlfied $ � Postage $ Certlfied Fee Postmark r-9 Pos tmark p rq Here C7 Retum Receipt Fee Here p (Endorsement equ p (Endorsement Required) C3 Restricted Delivery Fee Restricted Delivery Fee (Endorsement Requlred) (Endorsement Required) C3 C3 O Ln Total Post District Court 09-3-01 o Total P, Douglas J.Wanczak Csent TO 35 West Orange Street co sent To 40 Thompson Creek Drive o Shippensburg, PA 17257 p `SireeLAl Shippensburg, PA 17257 C3 sneer,hpr. a r� or Po Box r crry,srai City;Sieie,, IN THE COURT OF COMMON PLEAS OF �- CUMBERLAND COUNTY, PENNSYLVANIA Capital One Bank(USA),N.A. CIVIL ACTION r.._. Plaintiff VS. Douglas J Wanczak NO: 13-2918 s Defendant CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on May 31, 2013 the below named Defendant received and signed for the certified mail containing the Plaintiff s Notice of Appeal of the District Justice Judgment and Complaint. Douglas J Wanczak 40 Thompson Creek Dr Shippensburg, PA 17257-9452 Edwin A. Abrahamsen&Associates, P.C. /B : -W �ae F. Latchford, Esquire � r4` CD Attorney I.D. No.: 86285x- , 120 N Keyser Avenue o"-n Scranton, PA 18504 -,- o" :, (570) 558-5510 •• —; SECTION SENDER: COMPLETE THIS SECTION COMPLETE THIS DELIVERY t, ■ Complete items 1,2,and 3.Also complete A. Signature : _ item 4 if Restricted Delivery is desired. X ❑Agent • Print your name and address on the reverse �( ❑Addles see so that we can return the card to you. B. R I b (P'nf Name) Date f v • Attach this card to the back of the mailpiece, / �� or on the front if space permits. 6 D. Is delivery address different from it 1? 17Yes 1. Article Addressed to: If YES,enter delivery address low: M No Douglas J.'Wanczak 40 Thompson Creek Drive Shippensburg, PA 17257 3. Service Type E ❑Certified Mail ❑Express Mail ❑Registered ❑Return Receipt for Merchandise ❑Insured Mail ❑C.O.D. 4. Restricted Delivery?(Extra Fee) ❑Yes 2. Article Number a - ; I 3 ;700 r75O� i 00 1 '6777 ;4246 '; s } (Fiansfer from serv/ce label) I - PS Form 3811,February 2004 Domestic Return Receipt 102595-02-M-1540 s IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Capital One Bank(USA),N.A. CIVIL ACTION Q s' Plaintiff vs. - c� . Douglas J Wanczak NO: 13-2918 .j Defendant CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire,hereby certify that on June 03, 2013 the below named District Justice received and signed for the certified mail containing the Plaintiff's Notice of Appeal of the District Justice Judgment. District Court 09-3-01 Honorable Harold Anthony Adams District Justice 35 West Orange St. Shippensburg, PA 17257 Edwin A. Abrahamsen&Associates, P.C. /B : el F. atchford, s ire Attorney I.D.No.: 86 85 120 N Keyser Aven e Scranton, PA 1850 (570) 558-5510 SENDER:COMPLETE THIS SECTION COMPLETE THIS SECTION ON DELIVERY H Complete items 1,2,and 3.Also complete A. n ture item 4 if Restricted Delivery is desired. 0Agent ■ Print your name and address on the reverse ❑Addressee so that we can return the card to you. Received by?,R n2o,avrnye)., C. D to Delivery I IN Attach this card to the back of the mailpiece 4 7, of on the front'if space permits. 41 ; — is delivery address different from item 1? ❑yes 1. Article Addressed to: If YES,enter delivery address below: ❑No District court 09-3-01 35 West orange Street Shippensbu rg, PA 17257 3. Service Type ❑Certified Mail ❑Express Mail ❑Registered ❑Return ipt for Merchandise ❑Insured Mail ❑c.0. 4. Restricted Delivery?(Extra AeF­ ❑,yes Xr— :1 2. Article Number ff— (Transfer from service labeq L s 017 r3 0 5 0 0 0 0 01 6 7 77-,`4 3-9 Ps Form 3811,February 2004 Domestic RetumAdcelpt - 102595-012-M-1540 ' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(USA),N.A. , CIVIL DIVISION c Plaintiff u u r- vs. j--"_.. {C' . --r, >s DOUGLAS J WANCZAK : NO: 13-2918 c r 40 THOMPSON CREEK DR c,, ;, SHIPPENSBURG PA 17257-9452 — c' :. Defendant • PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO THE CLERK OF JUDICIAL RECORDS: Kindly enter judgment by default for failure to respond to Plaintiff's Complaint in the amount of$6,872.70. Notice of the intent to file a default judgment was served upon the Defendant on July 03, 2013. A copy of the Notice of Intent to Take Default Judgment is attached hereto and marked Exhibit"A." Edwi P,A. Abrahamsen& A • ate , P.C. i j4111 i -0. ---- / 1 ditherfar ae F. `atchford ••••uire G7 , :,, ':� Attorney I.D. No.: 8 s 2g5 z ' c . :_'��'� Attorney for Plaint' f Cam-, r'-D Q D c: ` JUDGMENT .�-, c n .' AND NOW,this day of ` 20L�Judgment is hereby entered in favor of the Plaintiff, CAPITAL ONE BANK (USA),N.A. and against the Defendant, DOUGLAS J WANCZAK in the amount of$6,872.70 for failure to respond to Plaintiff's Complaint. PROTHONOTAR 4 , ` ; ,„, ...,.., J. Q .it t A L.. ki. 49..ifias(0 tvp X of ..itiaZi IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA),N.A. Plaintiff . CIVIL DIVISION vs. : NO: 13-2918 DOUGLAS J WANCZAK • 40 THOMPSON CREEK DR SHIPPENSBURG PA 17257-9452 Defendant CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on the date indicated below, I served a copy of the Praecipe for Entry of Default Judgment in the above captioned matter by mailing the same via First Class United States mail, postage prepaid addressed as follows: DOUGLAS J WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG PA 17257-9452 Edwin A. Abrahamsen &Associates, P.C. Date: AUGUST 2, 2013 B;: FA" M'ch.el F. Ratch ere squire Attorney I.D. N..: 86285 120 N. Keyser • venue Scranton, PA 8504 (570) 558-55 0 CAPITAL ONE BANK(USA),N.A. .• Plaintiff : In the Court of Common Pleas of : CUMBERLAND County,Pennsylvania . Civil Division vs. . DOUGLAS J WANCZAK : NO: 13-2918 40 THOMPSON CREEK DR . SHIPPENSBURG PA 17257-9452 . : AFFIDAVIT UNDER SOLDIERS AND SAILORS Defendant : RELIEF CIVIL RELIEF ACT OF 1940 AS : AMENDED State of Pennsylvania County of CUMBERLAND SS: Michael F. Ratchford, Esquire being duly sworn according to law deposes and says that the above named defendant(s): DOUGLAS J WANCZAK is(are) not in the military service of the United States of America as defined by the Soldiers' and Sailors' Civil Relief Act of 1940 as amended; That the defendant(s): DOUGLAS J WANCZAK is(are) older than eighteen years of age; That the employment status of the defendant(s): DOUGLAS J WANCZAK is(are) unknown. Michael F. Ratchft d. Esquire Subs bed before me thi0114 day • t 20 i 1 A . 1 Notary Pu _ , 120 N.KEYSER AVE. EDWIN A.ANRAIIAMSEN SCRANTON.PA. 1850-1-9701 .,.• MICHAEI.F.RA'ICHFORD (1')1-800-503-1665 (I)5711-558-5511 {■. • 1',C NEST RETURN SERVICE REQUESTED THE LAW OFFICE OF EDWIN A.ABRAHAMSEN&ASSOCIATES,PC WWW.EAA-LAW.COM July 3, 2013 DOUGLAS J WANCZAK 40 THOMPSON CREEK DR S1-l1PPENSI3URG PA 17257-9452 Re: CAPITAL ONE BANK (USA),N.A. vs DOUGLAS J WANCZAK CUMBERLAND County Civil Action No.:13-2918 Our file No-: NAI30059/DMM Dear DOUGLAS J WANCZAK: Enclosed, please find the Ten Day Notice of Intent to Take Default in regard to the above- noted matter. Please act accordingly. If you have any questions or wish to discuss your outstanding account, please contact me at(570) 558-5510. Edwin • . A.rah. isen & Assoc•- -s, r ( r 'Mic ael ' Ratchford, :squire Enclosure This is a communication from a debt collector in an attempt to col ect a debt. Any information will be used for that purpose. 120 N KEYSER AYE SCRANTON,PA 18504 (P)5703583510 (F)570358.5511 `�• • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA • CAPITAL ONE BANK (USA),N.A. : CIVIL ACTION Plaintiff . vs. DOUGLAS J WANCZAK NO: 13-2918 Defendant . TEN DAY NOTICE OF INTENT TO TAKE DEFAULT JUDGMENT To: DOUGLAS J WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG PA 17257-9452 Date of Notice: July 3, 2013 IMPORTANT NOTICE PURSUANT TO PA.R.C.P. 237.1(a)12) YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER AN APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE,PA 17013 717-243-9400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(USA), N.A. : CIVIL ACTION Plaintiff VS. DOUGLAS .1 WANCZAK : NO: 13-2918 Defendant : CERTIFICATE OF SERVICE I, Michael F. Ratchford. Esquire, hereby certify that on July 3, 2013 I served a copy of the Ten Day Notice of Intent to Take Default in the above captioned matter by mailing the same via First Class United States mail, postage prepaid addressed as follows: DOUGLAS J WANCZAK 40 THOMPSON CREEK DR SHIPPENSBURG PA 17257-9452 Edwin A. Abrahamsen &Associates I.". ich.el F. katchford. E-•wire Attorney I.D. No.: 8628 120 N Keyser Avenue Scranton, PA 18504 (570) 558-5510 SCRA 3.0 % Status Report Pursuant to Servicemembers Civil Relief Act Last Name: WANCZAK First Name: DOUGLAS Middle Name: Active Duty Status As Of: Jul-31-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA No NA This response reflects the individuals'active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date - Status Service Component NA NA No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA No NA This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA, Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. Mary M.Snavely-Dixon, Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 Reporting System(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 et seq,as amended)(SCRA)(formerly known as the,Soldiers'-and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently on active duty"responses,and has experienced only a small error rate. In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherwise entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil"URL:http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification,punitive provisions of the SCRA may be invoked against you. See 50 USC App.§521(c). This response reflects the following information: (1)The individual's Active Duty status on the Active Duty Status Date(2)Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date(3)Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC§101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard,this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC§502(f)for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve(AGR)members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves(TARs),Marine Corps Active Reserve(ARs)and Coast Guard Reserve Program Administrator(RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration(NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC§101(d)(1). Many times orders are amended to extend the period of active duty,which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore,some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted,but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name,SSN/date of birth,and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: J3DDPFFE4054V20 ,CAPITAL ONE BANK(USA),N.A. : In the Court of Common Pleas of Plaintiff : CUMBERLAND County,Pennsylvania : Civil Division vs. . DOUGLAS J WANCZAK .• 40 THOMPSON CREEK DR : SHIPPENSBURG PA 17257-9452 : NO: 13-2918 Defendant . NOTICE OF FILING JUDGMENT Notice is hereby given that a money jud merit in the above-captioned matter has been entered against you in the amount of$ L0.F1' . - b on = c 3O1 DCI . g. Zt , .7 ,' - By: If you have any questions regarding this notice, please contact the filing party: Edwin A. Abrahamsen& Associates 120 N. Keyser Avenue Scranton, PA 18504 Telephone: (570)-558-5510 (Notice is given in accordance with PA Supreme Court Rule of Civil Procedure No. 236)