The URL can be used to link to this page

Home My WebLink About13-4298 Supreme Cote Pennsylvania Coud6fi Co hmo*Pleas For Prothonotary Use Only; C�il'bVer Sliet Docket No: CUM ANb �/ 1. I County 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 a require by law or rules of court. Commencement of Action: ® Complaint El Writ of Summons Petition ® Transfer from Another Jurisdiction ® Declaration of Taking E C Lead Plaintiffs Name: Lead Defendant's Name: CAPITAL ONE BANK (USA), N.A. CHRISTOPH A KLEINE Dollar Amount Requested: Elwithin arbitration limits I Are money damages requested? El Yes 0 No (check one) ®outside arbitration limits O N Is this a Class Action Suit? r3 Yes 0 No Is this an MDJAppeal ? ] Yes ® No A Name of Plaintiff/Appellant's Attorney: MICHAEL RATCHFORD 0 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 n Buyer Plaintiff Administrative Agencies 0 Malicious Prosecution n Debt Collection: Credit Card ® 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 [3 Employment Dispute: E E3 mass tort) Slander/Libel/ Defamation Discrimination Other: Employment Dispute: Other [3 Zoning Board , ® Other: ® Other: O MASS TORT © Asbestos © Tobacco ® Toxic Tort - DES Q Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS Toxic Waste Other: ® Ejectment Common Law /Statutory Arbitration ® Eminent Domain/Condemnation [3 Declaratory Judgment ® Ground Rent 13 Mandamus Landlord/Tenant Dispute ® Non - Domestic Relations Mortgage Foreclosure: Residential Restraining Order I. PROFESSIONAL LIABLITY ® Mortgage Foreclosure: Commercial ® Quo Warranto ® Dental ® Partition 0 Replevin Q Legal ® Quiet Title ® Other: ® Medical ® Other: ® Other Professional: i Updated 1/1/2011 COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District, County Of CUMBERLAND FROM MAGISTERIAL DISTRICT JUD / GEE JUDGMEN COM MON PLEAS No. - 7 7 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 -02 HONORABLE VIVIAN COHICK ADDRESS OF APPELLANT CITY STATE ZIP CODE 4851 COX ROAD GLEN ALLEN VA 23060 DATE OF JUDGMENT IN THE CASE OF (Plaintiff) (Defendant)' 06/24/13 CAPITAL ONE BANK (USA) N.A. CHRIST P A KL I DOCKET No. SIGNATU J APP LLAN A N AGENT CV- 079 -13 This block will be signed ONLY when this notation is required under Pa. �If appella . as Claimant see P R.C.P.D.J. No. 100 (6) in action R.C.P.D.J. No. 10088. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial Distr t Judge, A COMPLAINT MUST BE FILED operate as a SUPERSEDEAS to the judgment for possession in this case. within twenty (20) days after filing the NOTICE of APPEAL. Signature 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 attomey 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 MAYBE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. Date: .20 �� rr1 � 1 .�� * Signature of Prothonotary orDeput, z z qq� h YOU MUST INCLUDE A COPY OF THE NOTICE OF JUDG N�i FORM WITH THIS NOTICE OF APPEAL& AOPC 312 -05 COMMONWEALTH OF PENNSYLVANIA Notice of Judgment/Transcript Civil COUNTY OF CUMBERLAND Case Mag. Dist. No: MDJ- 09 -3 -02 Capital One Bank (USA) N.A. MDJ Name: Honorable Vivian Cohick V. Address: 55 Penn Drive Christoph A. Kleine Newville, PA 17241 Telephone: 717- 776 -3187 Attorney Michael F. Ratchford, Esq. Docket No: MJ- 09302 -CV- 0000079 -2013 Edwin Abrahamsen & Associates, P.C. Case Filed: 3/27/2013 120 North Keyser Ave. Scranton, PA 18504 Disposition Details Disposition Summary Docket No Plaintiff Defendant Disposition Disposition Date MJ- 09302 -CV- 0000079 -2013 Capital One Bank (USA), N.A. Christoph A. Kleine Default Judgment for Defendant 06/24/2013 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 JUDGMENTITRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. Date Magisterial District Judge Vivian Cohick� _V certify t 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: 06/24/2013 2:20:51 PM ►r.l � i X0 1'1 � Capital One Bank . (USA), N.A. Docket No.: MJ- 09302 -CV- 0000079 -2013 V. Christoph A. Kleine Participant List Private(s) SeanPatrick Quinlan, Esq. 3618 N. 6th Street Harrisburg, PA 17110 Plaintiff(s) Capital One Bank (USA), N.A. 4851 Cox Road Glen Allen, VA 23060 Defendant(s) Christoph A. Kleine 402 Nealy Road Newville, PA 17241 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: 06/24/2013 2:20:51 PM IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Capital One Bank (USA), N.A. 4851 Cox Road : p CIVIL ACTION --° Glen Allen, VA 23060 W Plaintiff r Q VS. /p Cdr NO: -, Christoph A Kleine' 402 Nealy Rd Newville, PA 17241 -9472 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 NA13017 x 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: Christoph A Kleine 402 Nealy Rd Newville, PA 17241 -9472 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 Christoph A Kleine (hereinafter "Defendant ") is an adult individual residing at 402 Nealy Rd. Newville, PA 17241 -9472. 3. Defendant applied for and received a credit card issued by Capital One Bank (USA), N.A. with.the account number ending in 6012. 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. 5. Defendant used the Capital One Bank (USA), N.A. credit card account number ending in 6012, for purchases, cash advances and/or balance transfers. v 6. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 7. The Defendant last made payment on February 28, 2012. 8. The total amount due and owing the Plaintiff is $2,480.66. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $2,480.66 plus costs of suit and any other relief as the Court deems just and appropriate. Res ct lly b fe Mich 1 F. Ratchf Attorney I.D. No : 86285 120 N. Keyser e Scranton, PA 1 504 mratchford@eaa-law.com Phone: 800 -503 -1665 Fax: 570 -558 -5511 1 � 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. Micha 1 f. Ratchfor , Es ire 50D698 THINK TWICE. s t 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 month) fees online using offer code SCORE12OF and have a y balance of $10,000 or more on 09/15111. Learn more and open online at capitalone .con1✓scorel2 Use Offer Code SCORE12DF Turn over for more information and important disclosures. Page 1 of 3 1-800-9 l www.capitalo JuL 28 -Aug. 27, 2011 31 Days in Billing Cycle J MINIMUM PAYMENT WARNING: it you malre onlythe rrininhum payment each period, you 011 pay more in interest and it wilt take you longer to pay off your balance. For exarnple Platinum MasterCard xxxx xxxx•xxxx - e012 i 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 Minimum Payment 21 'fea $9.721 53,315.53 5103.00 Sep 24, 2011. i el $132 3 Ye ar, $4,734 PLEASE PAY AT LEAS ?THIS NAO1Nr Your estimated savings if you pay off this balance in 3 years: $4,937 I Credit Omit: 55,04`0.00 Cash Credit Limit: 55,000.00 If you would like intormation about credit counseling services, calf 1 838- 326 -BOSS. i Available Credit: 51,634.47 Available Credit for Cash: S1,684.4i LATE PAYMENT WARNING: If we do not receive your nhinimum payment by your due date, ynu may have to pay a late tee of up to $35.00 and your APRs may be increased up to the i Penahy APR of 29.40. i Previous Balance Payments and Credits Fees and Interest charged Transa ctions New Balance 53,3453 — 5100.D0 t ( S�•1� t I SO.DO J = I 53,315.53 TRANSACTIONS REWARDS INFORMATION PAYMENTS, CREDITS &ADJUSTMENTS FOR CHRISTOPH A KLEINE #6012 PREVIOUS AVAlASI E REWARDS BALANCE 3,196 1 13 AUG PAYMENT (S1DO.COi i REWARDS EARNEDTH :5 PERIOD 0 (reflects bansactions posted during this billing cycle) MA LABILE BALANCE AS OF 0$Q7r2011 3,196 FEES Total Fees This Period 50.00 Total Fees This Year 5100.00 For up- to-date rewards traddng, visit INTEREST CHARGED www.capitalone.com CAGHassle reward, INTEREST CHARGE PURCHASES 51.15 or simply call 1-800-229-3001 INTERESTCHARGE:CASH 569.02 Total Interest This Period 570.17 Total InterestThis`I'm 5151.56 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Ruchases 16.15% P 533.60 51.15 (ish I 24.90 %D I 53,263.49 I 569.02 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON to WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178052433636012 27 3315530100000103005 C RW Account Number: 5178- 0524-3363 -6012 Due Date New Balance Minimum Payment Amount Enclosed GREEN FACT! Sep 24, 2011 ( $3,315.53 $103.00 ' ` 1 tree can be saved for every r PLEASE PAYAT LEAST 13 people that o a erless THISAMOUNT P P 9 P P Sign up at www.capitalone.com 400005 CHRISTOPH A KLEINE 402 NEALY RD NEWVILLE, PA 17241 -9472 Capital One Bank (USA), NA L, r L l IIr ILIr Ir r I. L I r, P.O. Box 71083 1 III III 1 11111 I 1 III 11'1'1'111 II'I I II'llll Charlotte, NC 28272 -1083 111111 ^I1'11'II' It 11 ' 1 11' ^IIIII111'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. A n INTERESTPLUS ONLINE SAVINGS ACCOUNTk Learn more and open online at capital 0ne.00i score 12 Use Offer Code SC0RE12DF MEMBER FDIC You will receive a s50 bonus if you open a Capita One Bank" InteiestPlus Online Savings (IIAV account online only enter the offer code at the time of account opening, and have 510,000 or more on deposit " on 115ri 5111. You are eligible for this promotion only if you received this offer from Capital One.* This account must be your first account with Caphal One Bank This amount nest remain open 4-8 weeks after 09/1 %11 during Which tine the bonus will be deposited into your account The bonus will he reflected on your monthly statement and will he hic uded in your year- to-date interest and year end lair reporting. This offer cannot be combined with any other offers. Annual Percentage Yield lA1"Y) is accurate as of 07.106111. 1.10% APY applies to account balances of $1,000 or more. 0.1 D %APY applies to balances less than. $1,000. Rates are variable and may change after account opening. Minimum deposit required to open the amount is S1. Withdrawals by online transfer are limited to s'ue per calendar month. Each quarterly bonus will be equal to 10 %of the interest eamed on this account in the previousquarter. In orderto be eligible to receive this bonus, your ImerestPlus Online Savings account most be open, and you must either maintain an average monthly balance of at least $10,000 in this account every month during the previous quarter, or, you must be an owner of an active Capital One Credit Card in good standing (riot restricted, not over limit, not past due), wilt art: [ least one transaction per calendar month. The bonus will be paid to your lnterestPlus online Savingsaccoum within 4 B weeks after the end of each quarter and will be reflected on yourstatement. This account offers electronicstatements 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 Rank (IISA), N.A., and Capital One, N.A., Members FDIC. c 2011 Capital One. Capital One is a federally registered service mark All rights reserved. act How con I avoid paying Mom Chase s t E,-,h a W, -;,u ply ysut 'N -w Eal'un - -l' in lull. pats ,:ill hm •, 3.' Aliirlg Jul rel :FhJne rental I.I, ter Ind piiridhg Y in! lit ld�n G fur ;111 ll 1.e, uinarun' gnsu I:elkd of 25 •lays' e-Arh rn iu[elas chylga .n yI! new 1) Fu, %hoses, 2) tal'aeu Um• +._:s. 31 sp- ill e- laesent,tiet. 4. ruy, tins t;,, it yhaul] I.x xautnthe it Ain.J,dl,iis ynH]:d nlde t:.n'nr F!pion it Fnh - IJ 41 it n.4 trau I 's g u, t lull ,1.h .: t [ t µ1,:],d N' 'r It ]t J.a ys u,ll* 1.I C llr n ] 'thg. Rte, ]1.h.. g F. u_ r: - „h •F I:. il 1.h FF 'd t' ']' rta =I '1.h. - Ad h n,s E Ah•,II.t.n..- r,Ilr,n1,I...:r .,n ym,n s.U,r ,nun ,.l,.Nl th.r. y,n „ -fl.,r , {I ti:u. Fi I]F�n o' - ul 1,:t rl. ],, ,.. r...:C ling t ,, lth tin F U:sn al th Hose is the le"ad,t Cheme applied? Uremst ;hargr Uawa hint Ur 1) Jett .4 th= un:sA:.Umt '2) t,te the st,tn nit rid y ie r A: -1 , m- en.bse:t ,e I it, a erreliFe. lid D yuul F•�� '.It I. I- ..'..] to it. S :1.11 xill to p Paper / .. ,. tan it Int- 1..s::1,n'- =y::rue an exec -ulp:ii •n:iun[ u Fn: =s�inj :cruel =t;• Apr �u:.�!tirrz. nets'- lb, �r 1= pit ;71 Cusine�s ] -q's lal tr•�il '!- 1i,ely'. M•�ile9 F'� ;,rent Uvn al it is Ft, 1 T' s 3)tict } u .a� I dey at Urtl A l l F-ruJ. d- y 4 ' Ie ;s-Z kYmyc'n,yauralla:.v1.i!n:n inal,yom -1 tlur my nxtt;,ediri's!rme]a, ,:zre;reiexth:elr- n it is 1 d a its lull. Tide u'emus ^u n'n 7r; imNrst ; hinges ee:n it y ^!u Fn; [he entire Tie,': E• otit ; yon- i :. cert. Do you D tut id lot J v In the Frtvin:s I:'an +�. U:IFaiJ :htgas inte:tstU A:e �,] -J U tht plaFtr sagl: tot a Ssu: t:auPro— Ohelia as an Eledmnic Funds 7mnste.r P'ey,I - ;no' a: =sse9 in n'.1. car tro ,:' ,_: Nir:erel, s:•: r -s 1.r dgilt to riot a•• = = =inRts: ;h- :g_ ='etorytS: e- !Nnan ;ou Fri„]_A -t.eA o,;he ;k inlnn' ;vuu n',ka A . , F,yre :nnh:dr -us it acct •n- ltt =nutthe Do ou aaessa Minimr,m lm_ ,.. illfurrtc:nt::n::keyn.t im: HO•,ns , _zie::r'n,L!urd u,l,:l:rlh y I :: ..,u:rt. 14 =1r'iy y •rest Chain `:�'. A, n'irin ur' IN IERE;T'HAN;,f J. f:;. rill t ytt:... -] 1>, e:..1, Uan r U,'r a:' urr ]: :car""' ti!lirg patiaJ y+�ul A;:.auln is s:dja'Jb At'. nntl t;hmrgt. ., ulsl:tt the inlnu'ycnlop:J:ese re � th:e A,nre;,r. ;s A:.1, ;knAntU ;tine. Ukulate the Interest Ohame Th_r yr s1. xrvl _' ulyda:a nhyt l s +e ur.., tl et,,!;;I, 1'!m tail What a I for eardmg it ; w ? nu one e;,e j b rrtOuFtly Fr!LxUun. x,,i :h!s _ un! ;ou:u is b1. in!iti, il, How did Tuts only, i; i Ira file un cnen' t n'.7n::.r.:: r. =s ur Ie:',[r isY. a� J,i:r. Da l:r - -1d us F, przrII= v:it tit •'Fe:,o::a vi:h . ?. :1,y: A t. Ta Set i -i lli ily Esl:,rt ;e: F erh srjn'rnt. 1, [ -i1, ht t:_innilvi t yn l • l in nn: uu: t�enkluFty•At[ a -y xthe 5an'vupt;y::mrt Il ;nu n punt �idxn -, rots!] slk o:nnu;t out t_:iauFCy _I,in's unem;eani atd the pe,b9i: mine• 3:uga an C:1. Puvbus Jmy +s tUlurc.2) ;utoy ;t paprtue and ;ciR. toI w;•, ]h -a;•. Fleyst �: ntA:t D,Fi:a! Unt • f0 Eax 951 ;7 • Ri:h!r iol, 4B: 32c; 3:57 , U�At __ Y 241.1 a' t t J l M ':,. to ] ly t o 1, j t 1 F]- r F .. "r .nml= tyla.l.e nluL,- Rysu..,mn- .,.,s•tilts ,...S ±.( s.ria, n:,..r, .. ,.C. - r. 1..h Fu t. pi, Fin'Ii�e BILLING mGHI55UMMARYY,- f:�ign(N: f�S „an 8usi'rss Aevtn:u.� n spe ;iyl Ful.hvst sr,n'errts v:ur.:rz ^Gtht Jyily b�hn::ts.Wes,aynsA ;ti::ns that ure tutry. ;t toA g:`,:'Ftri'd What To Do H You Think You HurlAMistake On Your Statement It rots dull. Core is ,n .Ia. , I ,r.. lit A-11 o m, Jrq tiettes. 2. io tmJ y-. careregr D,ily EaLnw: 1) Ad the Jails te!An -s bgeCitr A:d A sbtell'rnt ,:,ic -C us At 4i]t the =our ty the ouster _i bays In , ht tilling 't. 3. Est.i lit yiu bt l mteres: 'hytgu: U nvhiplp ;our c Fvu! atz rr:rage Juily t,lxn:s egl!,t di:lY F.rliri:. rvr. yn7 U n'I:ldFly 1.,r r sut 1.y the nunte: it ]UYs in N1. till pu,iai. P.U. E:u>_2Ei N'tiF::ve n IiuU ^.1,q al :: nir4rvlr barest :i Agt. this :,Lulatiun if vy rnY Iron the iorntst :hvr7x a:nnlly S.k like City. i [ E4f 3C -73:5 yuul gh.� a =[he blim:il.. ild'm md',r: How ran my variable Annual Perremant Rate (APR) 0ange2 You: AIR I: -y i:crena it'r..reeee tysed m aria . r•' iul :he Llht r: °,ua,t ere :,s ..]•mar. Jl suvtn sran]ud hdkes mpnt9 in - I'?' V/- Siseel tsU ^nai. L find •,31,3 ;1, in]ec i= ustJ tit T'•^ A-1-1 b >k . �irt'Iji:SPr ttrn n gau ;1,h ktht.- i4 An1 uat as ,,ul till, Jed :rite 0"'t Ti. t 1 irex is erring ,Ill rAr; puts !car', :]t;P,4:.i Urrl an thr tr;n;t -it this xlel!'t ^next[a the APR,sa. Thtn:ne - _k dhtte r; tl- tzla ' trline it :,; istmkt. Code nn I” ,or When ynur Annual Yauu uAt my:t:It ilthin 5 1 Ay Ali thttrial AF an Tsui stytr, etc Annual Pervrrta9, Index whidsywr rates are lased an Perlemage Ram will Yau 1: list lr'it!y us :!'my put'.Ai"I a s i1= 1 7 .1i�r'• . YSU rrey::Al us or n'Aiy us ere ;ea:lially, tin it Tuu Jo s:e m h ei th Rate (APR: change itreauiieJ to imn ig'ae Arly pr ride! tit I'd ru::rr,y h::•:a ti :.IV to y:raum in :luasian. lit I tvYli!t loll' „ :ring ula au=: p a,y:el!Y minx :'Traits hrr, sully Ji ;?Jat]ru y,n ID; e]yy Jl tit tlF.illg - W,cennruy ti:ilit ;idlr A., auntw quesfiin,a: tepngou ys lelin:p,tnbu mvr n'iunc t U.,ArI ,!y UF.UN Iryrgin Fcsbusly Jis:.bit] v yi:: per; ids t +n rnd ii •Thy :hu•g= in a� :•slim n'n� rm'min n1Ts nyLnznl, •� n vq amen• 1, ch'Arge y.11rttres an tnyt urr cunt c-1iy :D a:�J; .is ;6 =tJG pu I,nu•,Iy. ,i{:ril.lul ; -„tl ,[it v. -:',e l; 1 ', �,!,'eA- , •,.stiQ, Tw ill n wit ive o illy tie - nr,unt in :r1b., n lry lace. al ngnt E'unk:Al]nia't , I� Y F ^z Jis ;LSe]n y:u "i.[ut'e. a[1, -1 lets: !•,teJr thr. •,rr,a:t_ U Pnanthly Plk:'t reyin Fttdaudy]isJietd e,ou Ttfils[i'my at -y:1, .01.i1� h vt r p,r• the Al ' coin ill :lutstian until w -e sen] tuts a n;,ti;e :but tli.:: in e A tut F Atintdy'JE:F ryrgh: Fnvbus!e Es ;Irt]o gau n 'aIln'y tillily F it il. nnztiy,Ylan, yiu tit resri,lsitlt In Ne. n'ai:da al y -,ul b,inee. 5 T1, suty UEUR I,.;, usly Jis ;iae]r rots .'.- ;nt sI.Tly sly u::pvd eit iuFit =,g,iox ysm;reia!krit g n ptuJ Your Rights If You Are Dissatisfied With Your [redh Card Purchases. it } i:: ell lesuY =lie] with the J!JJi :n Are them Addl ... I Eros aiSaCleted with urr' a ®um7 Yts. urd9 ;ertlin Jl:.u,r:n i� ee. -, Ir'yr'te Assi 'J A 1.t, „:ae tn,t },liu lyre 1:w - J.AFid r:i h rvr jldit ;yid, ,rd %,iu hur U.eJ in gJa] fmit: a 1.:r Fr;tisn' 1.31.1, lute u• rims•-J"yu e ” Fee. Y. It y I, t. - J r ic.Jt 'sv A " l:;e•� -l:gMb i1,- ner ;l•n4, i -, - h r.1, ,M F 'h - - ,.7 - ] 11, F.1..h. - . T h:•. jk.',R of nn ,••e; f- t- , :hhnr FI n n.ri -: r d wrh,u[ .:, y su ght r. ,ss: -.. , ,n , I bier d:: !!IIA"l"] n h . t:. V r .: Yu. 'u . t, '. use] uu ! t :l] 1 . [1. tr..Ya • f h,..: I - ,J- uam „h How WIl l flnau nN Arn...ral YJU II',y' JIIi, yJ :lutr ty :llli,lg „ ti, Ring J �u:bll'I, R'I'Axis rJ, "n:.ev hall'•,IATM it 4':lin A ;I1KOh`'t-': tyss. yi., ;tJit::tlJ `l1. ziurn]a nail gu!I ITT. i. Yau nuKrlat yv.[ItN N ;; [F tn'rnt i Pn[tic. c-- s:iA Fr trio yt' tIl da ilz ii h,ding F:Ayr intuto yean. R Tau utt yuul : ft -Ad Cully 1:111 t:n tie M-tuse. It "I .g th^ :rheum L. a a Irat 'en] you - t still disrsti rind xil ma I:.,h; s>.::,nt,:t F`' it : hin ges F 1 tJ y:ta -:iunt Atc, you y V. us G J,s - r iC we ;m K:e[ y!u: ��iult JFm. TJ Arui:l F�iyiry •Any u=iC.Y'il$ILLl u1. eµl'cytlt n'tit trtshFr Les, ,u11 t ;rasa your =,;;aunt Alin r rile end it the .le in r.4i ;h It IF s:htlultd u 1.t :,pRul [ire tilled. P.2 E. 3c. e .,rod.di 1.'.2 nu 1 ] rt n,J y -!uI ti htn Jtr,in iiCtate City, Ul'd413: X2=5 What happens it my Arr„t Mme y:.;a 'r suspe,, yiu: y::.aut d inretijut, III sAnx hilts ApFIY to rat lsst t d en'iunt Ai liv,rstJ y.'_I Ahtr v.- linish 'r. :Jtdit v Any dnr ynJ bI '1" ,4 awn !f yu Are nn nil JtiI.K. kLaunt sumpennan :ln to Iti,'et1=,n r natigutan, rr ,'.ill tell Tuv caul JtJsi:m. n1.lh-e, Paine it n-e thinK y:u ir: m,: An Junl and reu Ja nit pay s:'. 11 A renpm,ty. It Y,ur ycaurt is :lisaJ m suspaudaJ you trust li si:: using c oin ; Jit :,I] •..j m:.:.:mll[ ,) .,n 1 ell [ ]tilts -rn A:rirryv FAyrems, / laslay yll ;tzJi; :.mJs Aid A ;:tom ;hark', AnJ 4) I:AY =91 ,Ir aunt you as:� us. t•: - -n 0 thty I'I�r Tats_ •,_ �u. r,�c ;RAIgtJ atre:N =u ;aurr rams ;I'..nJ tuzFeniei Le1:RAl;ie s„FFaas in1'nn"t— p,ir y piecdm: sue Jur"t:ir, •n ,a ;,v.:.AFitalonre. ;on How do I Make Pav —r,tp Pug, e.ri I y 1.t tro]e ill swtrA! _ys: 1. Unlirt Cy _r!icy o rn: +':. ;uFitilin :,ln' :�Fitil s:t is •� IrJeIaIlY I.7ixrrrJ tni ;t n'nkJI ;�Ficil U:Ia Hlrn:;iil :J:Fn•�G,n. AI! Iig121est,r:J lagging No Tu:a A., 2. iaF -Fk n1. a F.eeF.,nse r 1.y Ji',lirg 1 335- 7 ":7;. yid bill ig tht . 2 11',pit l ae yn i'e pm }t. Ahem },u n yke a phone puy,rs mnugh Jur soi�t rspaus y ysu yuN.Iire us r ini•J•dt m A:H it N1. ;v"i- pvrirtrr shut rill tt dtt I." y,u, tynk e;aum Funs , sy t1. v urdl—, Iron you, Cxlk ,..alnrA loan As t,a sane JAY.- F,a; guts: For'rerf TC -08 07M11 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. • Be sure to use the payment envelope that came with your Alternate Phone ......................... ................... ............................................. statement. Using a different envelope could delay processing. G E D E -mail 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. CHiISTOPH A KLEINE 200768 402 NEALY RD Date 12767 NEMILLE,PA 17241.9472 Use by 10/31/2011 68 742855 0 01 Pay to the VOI order of $ I Dollars For inquiries call 1- 800 - 833 -6393 Richmond, VA Memo Signature II ■ 1276711■ 1:2 5607 27D 11:750243363601 Use your account even where credit cards aren't accepted The checks on this page give you easy access to the available credit on your account. However you use them, they come with your purchase PLUS; NO rate —and no transaction fees. Any checks you write will show up as a transaction on your statement TRANSACTION just like a purchase with your card. FEES! These checks are great for: Purchases Use one if you need to make a purchase where credit cards aren't Transfer balances today! accepted (like at your wholesale club or a craft show). Cash ® Use the attached checks Write a check to yourself and cash it at your bank. You'll get the OR same rate you pay when you swipe your card for a purchase. d Give us a call ® 1- 800 - 833 -6393 Transfers OR Transfer higher -rate balances to your account. Just write one of these checks and send it to your other creditor like you would a Go online normal payment. A transferbalances.cap'italone.com/offers Interest and Fee Information APR for Check Transactions You will be charged the APR for Purchases, currently 16.15 %. and Balance Transfers This APR will vary with the market based on the Prime Rate, as previously disclosed. Fee None. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new on Check Transactions check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. 200768 CHRIST0 A KLEINE 12768 402 NEALY PD Date 68- 7270/2560 NEW, PA 17241 9472 42885 -01 Use by 1431/2011 Pay to the VOI order of Do ll a rs �aplfaf For inquiries call 1- 800 - 833 -6393 Richmond, VA Memo Signature u ■1276611■ 1:2 560 7 2 70 11:750243363601211• o m m o O n a° s n < f rn M y m ti -n m T N 9 y T m _ D D 9 O Z n C) O a y 0 O r � Z Z 47 = 0 1 m m C r M 1 0 O O Z C U M r n * m Questions about these checks? Q: Is there a transaction fee for using the enclosed checks? Q: What can I use these checks for? A: There isn't. You won't pay any kind of transaction fee A: You can use them for almost anything— whether you need to use these checks to access your Capital One" account. extra time to pay a bill, want to give a check as a gift, or just want to have cash on hand. Another way to use your Q: What APR will apply when 1 use these checks? checks is to consolidate debt from non - Capital One credit A: These checks come with the same APR you pay for cards and loans. purchases you make with your credit card. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit "? personal checks. They're a great way to "charge it" at A. Your credit line is the maximum amount Capital One will places that don't accept credit cards. allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. Important Information About This Offer • Please make sure the total of your checks, transactions and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if: - Your account is delinquent, overlimit, charged -off, or closed -You have filed for bankruptcy Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment A term of your account relevant to the offer (like credit line, APR or your special transfer rate) has changed since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • $p fraud liability claims are subject to verification and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of your Customer Agreement. Please be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital One account. • Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect U 20'0 Capital One. Capital 09c is a federally rcq s.crcd service mark. All rial's reserved. o m D O Z ° m m o O a p + a m S m um 0 m = m O' m < a W m T y o Z 3 O D M D Z 0 O 0 S O D - m O 0 2 O -i W M M c r O ~ `d a O y m Z = m M c� rn r * m 500716 Important Notification about changes to your account terms The way we calculate your minimum payment is changing. For detailed information about this change, please refer to " Important Notification about changes to your account terms enclosed with this statement. Page 1 of 3 1 -800- 903 -3637 l www.capitalone.com Aug. 28 - Sep. 27, 2011 31 Days in Billing Cycle 1 ( MINIMUM PAYMENT WARNING: B you make onlythe mdnirmnt payment each period, you Wit pay nee in interest and it will take you longeu to pay oR your balance. For example: Platinum MasterCard XXXX XXKX - XXXX -6072 i Payment Nnoum Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total Cost $3,234.60 $101.00 Oct 24, 2011. Minimum Payment 21 Years $9,46' $178 3Yea $ 4,624 Pteascrar *rats IdOUr Your estimated savings if you pay off this balance in3yeam $4,843 If you muld like information about credit counseling services, call 1.886- 326 -8055. Credal Limit: 53,500.00 Cash Credit Limit: 53,500.00 Y 9 I i Available Credit: 5265.40 Available Credit for Cash: 5265.40 LATE PAYMENT WARNING: If we du not receive your minimum payrent by your due date, i you my have to pay a late fee of up to $35.00 and your APRs may be increased up to the i Panahy APR of 29.40 %. Previous Balance Payments and Credits Fee and Interest Char ged Transactions New Balance f( 53,315.53 — 5150.00 � f 569.07 + S0.00 = 53 234.60 TRANSACTIONS I r REWARDS INFORMATION PAYMENTS, CREDITS &ADJUSTMENTS FOR CHRISTOPH A KLEINE #6012 PREVIOUS AVAILABLE REVVARDS BALANCE 3,196 1 12 SEP PAYMENT (S1 %00) REWARDS EARNED THIS PERIOD 0 (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 09!27;2011 3,196 FEES Total Fees This Period 50.00 Total Fees This Year 5100.00 For up- to-date rewards tradring, visit INTEREST CHARGED www.capitainne.com CNOflfassle rewards' NTEREST OtARGE:PURCHASES 50.21 or simply call 1- 600- 228 -3001 INTEREST 01ARGE:CASH 568.86 Total Interest This Period 569.07 - Total Interest This Year 5220.63 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchase, 16.15 P 515.60 50.21 i Cash I 24.90 %D I 53,256.1? I 568.86 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178052433636012 27 3234600150000101005 Account Number: 5178-0524- 3363 -6012 Due Date New Balance , Minimum Payment Amount Enclosed GO GREEN o�12a, 2oti� i $3 ,234.60 :$,a1.0 11 SAVE GREEN! PLEASE PAYAT LEAST Pa y C_.e' on line and save THIS AMOUNT ' V money on stamps. Sign up at www.capitalone.com 400008 CHRISTOPH A KLEINE 402 MEALY RD NEWVILLE, PA 17241 -9472 Capital One Bank (USA), N.A. Ir , I Ir. I In II d I 1 , rr r P.O. Box 71083 II' III (I'I'I "11'11 I II "11111 "III 11'1111 Charlotte, NC 28272 -1083 n1111 ^nlll'Ir 1111 "IIu "III11111'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this Coupon in the enclosed envelope. B2 27 Huw can I avoid paying Interest charge s 7 Prh 1. Ix, y,u ply yo,„ 'Na. P hnce in full, you v:ill h- : 3. _Aliy,m rkph, ie arre. n u ter nd p_Nndk yam inUnt,Von c: c:ul :,Il ;anal nr jl,tr peuoi _d 25 i,y with nD 4.1,! _gala= on A ozv: it p:n:nss. 2) b -d -, DvIliais. 7) epe:F rrl:rserrt,tir<. 4, P:rynzrrte ty . it rhr,I] to s i b thx Ir,illn_t , "]rvsa hv'rd i::] m rh:• [:¢'nr F ifon of pa—h— n J S) N - I holy,:. II you , t y g r I, _ - , u!r. f I rth lu t, - t t' 3. n pll J ,J th C P} I t. t g m, - -: r eJ b . Y 1, 'tFy'utn ful,:, oJr: h,'j - •ell t - , .Th d F:,d I — •F I:. NF :,N -t:ri- i,ys.�r• -: v,n,: l,. - - N I'a3 -t75 PM Er or m,,ny n, s t,I:,.um s.•h -1, there - an Blip, h!nve Ir,n , Fr.n.,u• till, Fm I, i d F,,tI �, „ Il ,h- tu•ilr.. J,y s.-; Ir ei„• ¢ : Iny .. t7 ,a: ,,J the t,[em p lbn al Ni: How is the Wittiest Charoe applied! Iitt-1 th•,ges ,:ou- I-, the 1) Jda at N, u,u- a_fioq 2) J11e Ne se en rid and yon, .hKV. in the - n:bs:] i,; i¢,n - y,u, p,yrrot is Ie:,n:d m ,Ia A om -1 r ' ...] i, 3, firs :,Ier,Jn J,• ul Ne till:: g Fella,- Inr:,ee::h,t es= <: .I r,� -, lc y �p ,vaunt F'�:. "`inj :ar,cr. ty 5pn' I:,:.,! �nx. ftie, =e ,16v; ,I I:,s[ ;7) burl l- ],}•a 1_t IT it ] li•r -ry- MI&J 1 "ar <n[s tun. v yF , r- Jt ,ny,Nel„ti.nmm�y,m- n,y ITS t: n.it- 1N J• N: '. .zal rt F J I f II This I 'r' ou vy n,: !rd- r- st.halJ;s .:sew it y: F th ni H :s, E:k —l. _ne it tt, ' tut ]:_ n,. L ., to N. FI. , . t'r 7:. U•,F:, ] n rrea.F•n3::.•- ,]J C N ,I,Fa , r�it -n[ al y,u• A..oulA Do you Process Paper Check, as an Eleerunrt funds Transter P,a . cs s.ill t: Fr,.. e, nil ,n ., I- -y. H,r:a ,v r• - .n�,TIT, r :yhtu not,•: =• =irnaraat:?r:y s,t •:;,y:ul ":. W. pij F +_MJ] I re:A :n:he:k :nl: A,xi to n, k, V yil' !rt u,uth:nie us al :,:n ,:,rn,d use Ne " ui Do you assess a Minimum Interest Charne Yr A I ln;n ur IN TEREiT'HAR5[ S. f:� 5 Y-,'! t, ,sassed U, e,:h inira' •n i:! n ,ke y ii.? rite A-H u,!tardan ::.d:e! r :are: fu' d ¢ -n:sln ii:, +:' t Ir F J },JI u a - sut;C[ t,, Ile n , th I IJ II' f. F J- ... dl P"", How did y calculate the IlnemV Ch. T.... r 1 V 't - c t ,ul tat, &I It I file f Ba d, otm7 it G+J ! t3 tj. y r t d . INN vi t t L, h J ., jet yo [I,11) F h j.' lant. H[k &I, JYI .J dJ in new on .r m1, ,I t ': I Jh - L - r u F' im", F. at, .h ]m per,d-irt:e•t- Unj. Me P — hh h f t FP I_ ,d .,r],e to ' t k)Fr q ,, trr_:ncrp[_ _II ¢ Ik e [.,, t. ttu .la o> [Rot t t t ] R,. c • N• Jrh, Y. I h d I [ 't p,:] ram r•ai.,: ;e a..r 7 ._¢,. Fln : : C,p^ On . O oa 3.23': • i.a L,Vr rcy tt °4U` -, :I i, h - 1 d - - I, ; . :,• 4-,, , , _ J q n. c _ -h u•[U you! - h, , BILLING RIGHTS SUMMARY:D . ,,t AP!ds to S„ur+Busi!. A - i..' J' yF.., I.n_h, e7. [.,. .• ^ ,died cthe J',.t t_ •,u` t, N,t,!e•',[I::Ib,j,..I :i:,J Whhat'1. Do If You Think You And A Mistake On Your Sbtemelrt It ,r Nh,k d'Ie o, ,,!_, yan "' ,JJ -J U Ne T. F.d,n_ey. 2. Ta ell, youl i r !a L'a!ly F,lut>;e: e),dJ III, ],i!, i !ar,e cprdnel ,:d A - t,tenrnr a ic u ^+ae the smr ty [h- runt r :t J,y: ill fie tiAu,A ;:!r. >. EeIJ - 1 yna Gt:A armrest - h,r_)r,: 1 h rru -iplg yau C,pk,l D:r reel nr:t ily t,l,n;e tythe J,9y perm :.I,e,:d2)nn:IyFly Ne r,Atty Ne nurrtr al J,y-• :n Lhe tiliu,g pudD,L P. D. F. 3.2::5 NDTE: Csm A r,,m :yeg o, , !ri:,ilruit lost -s :h,!ge. Nis :,t: uU *ion n';y Y,ly tlon da• inemst ,.._ rJ. Ira flan leer, gi•r us Ne lult,viuy inl, : :rA x.. How on my variable Anneal PerteMaoe Pate (APR) change? T7u! Aft r! ',y ii— rr Jerle,ae 1 --d Ill m, 'udan a::m na: -,nJ - ;:cunt �nnrtzr. ul ;even see :H,d :,caws rvprt -] in Tee l Street .brrr>:�i. To llr,] 0 Ini,x k u J h, �: ul,::omn, u,k [•,!hi ,n Duo[: Tha Jolh„ :nrauart o! In, ;uspr:tzy trot. 1, "A U F) on Ne tlarv: >f this - r - ,or', ;e lectU di,.APR;yr. The^, :he ill [,tha tebvc • Ue, :l :lti ,: of Put!,n' It you Ninkahec is ,,I enm m r,m tm. Je,:!!L'- 0"'t you trlie,a is ..tong any illy you tel!rve it :e i A—. Code h nertto your When It rAmual YDU I: 'u• :oln,J us vamin 5a 3,ys,Re, me err,r,Fpame]:rn;_ sr,tn,I. Annwl Percentage Index which your rates are based on Penarrtage Rate will You r.'uet lut2rus of ,ny I:ar14isl a:rs in s•,i[im 1'ou I ily ,I! U= :I, :reify us elz;Urn :ally, tut it you Jo c:: uIr Rate (AIR) change nx,=guile:lr_inrr ,ny::atrn;i,!envs,, :y :.0 n' T: P 2ilv,a h,•rn :crourx yPr.e ud} J'-'o•=d U y,u ah -!I'll ,y A d,•t'P'. ill`.^.!: v:- :v TJj : •n , - rn tr ., - Il,r 3 ' Ill- ^argi , prnu , L �mC -I!y uFDi F -. 'm:-„n C,.A._t N.. nr_uv n,u. _ur,, eF,t , ..Inl N,r,nannt ra,ain Fn•,iauAly Ji =:.b =eJ Uyou ;inJs call rod n, ,..bill gu,Srureyr -rr,in on }•;•u! st,t -n it ,u.- n'f•:aplknle 1, :h,iga you i! s,nel'y "[ 0 1 1 JUp y.0 u ylil,luyn] tt•r- rtonN, :rrcunt i E :anknJl.t_ ua�. ' fie JoyeJU YU"a. F - t,t [ m J. - t ,y - xWll rl h•-: n; �N: ,n,,nt r. ti.u„I ,lyirr A:n nh -, I...s : euaJ a rh t ,!r,wt D ki]nNlyPlin'- [,gin p JisaosrJ v pu The V, -t'J,y of aa:h •`:t ^dle yr, J, rot h— Lo ply N- mourn is q' until s:= sand ,:., , ":k? ,tom m- — F Mr,[idy Ll r-- ,rgil: Fle,•bu,!q ]i _I,s :dU you ',nthly tillmgreibi iri- IvIdm.i - +,• net =f'omitk l;I the len',Iniel :l y- t,l'vice. Le, yJ-013 a .gin p4- 1y :!a ,e!t, r.ru .,__,till, !. - I,yu;,, :]•nrauit,p,.t Y. :tech li,rh. Your Rights It You Are Dissedsfied With Your Credit Card Purchases. It y,u it y. =a,Vylie] vidl m- Are there Addition,] Fee; associated with rry account? 1? -. urd ^r . -n,in J1 :U!l }ou n,y Lie ,::essey y srI•i :' -e N•d y": in - :::u „h j rfth r uI : J. ,Id yr: hove oiei in goo: Nit: L, tN, pkln,' s,ith L,t ,•"netI o,yo - e Fee. Y,u I!q'k t - :vRl u a. - r'Jty : : - ° e•s; Ne IghtU N- ne•.I•a,d, ; -,u h 01 djh: n ,; r, nth- lull Iii.i;j [J� m pw.h i hu iiDht, a!,l na[u• - • -.: rt tee: s: <thn FI aI n,•. :'i,J s.tduut -v y ,u 'qht.. , s: , r n I: :.,vl N- i.tl:n:: ] r u t. u, .Y,: u:t hn j ,n .'.,, :,I] t, th- I .u. h, to •h, .s I A- sam I'll How can 1 rinse Ate, Arn -.7 Y' : n',}• JI - yam 'r:.umtt ty t,lling r YOR ;l _NI :u,Gll'al RdA,ns ,J•r,ntey her mATM r Min, -h- lcth,tv,,yses}•r,r tt, f- I,"ttmt A: N,tdnt,r. -wiB po, i] z,] Jitb ,niJeI,ihintbd:ypayreotinbm',d.l n y ou us -r,u, :.tin :,U fully p,iit,N- l :urch,.,e.It,11 Atha a, Ii , ,t,r:— Iet, aid rm,Ie- vll]aaN!ie' s:ini Ne l :ueh•„e, :an,:t r h,grs Ns n 7: uI -hunt ,tra ;,u x ue U.1 >a t, ve -I t-i, y',u! , :came ,ten. T, rrAJ p,;inj ',ny us in v.,itiru eppli :,tle nente,yhip leer, - sl m Joy- r,m earth. pl :x rJ Ne end of me c1- :n r a := F:hedulad u tr , pk,l :xr tili-J. PJ. Lv 3:2_5 What happens if my Atoll k t pl nd.ds W 1, 7 :t se , u,p,n] yau• .. —ir ,n] your ,i jht U ,loin i,¢ L,ke qty, UT E47 K::235 ' r ' s • ' • v the s:uorJ ar unt ,s Ji, ;u „e, finish a -Jit ,1 ,ng urrr and lo auy v.” e,zn it you era n'Ti in JelaiAl. rt:nunt yuyl : -n,im, a,n to permm-nt 'm S c.- mas ,•mr, m- ,en= nfzs ,VFy J: I I c ,tD, AR: v ' y z.. r n [zlrrr,y. It y,m ,count is do -rJ m suspended }ou o u >t 1) tap vein j y_ :re]it anti ".j , :� :mq .y .,rash !:II inv:rliyAion. v :e rill ell r,u our d'::slaw. td th,; G:+ant a r:: Ni12 y,u ova: oI� m ouu[,rd T u Jo nn F,• v.•• n, em,r. ,i- - r, 31 J-su -.It aedk: -nil- s,J ,; 7 :he:b', and <) p•,y ,II ,rrourm' r,u osx ,r-, awn c N-y rrI xt y.,a,s dA que F,yr'el y, vr.Ie :h,I_IeJ- An,N =, : ;,u,n w, =JI Jr Iu,peiArJ. "phA Dnx F" I pm i,do,n' Alin priv y p:relian: sea om -tut'. 't How do I Make pre —Ins Pep, rim n',y t- n - ,de ill avert _ys: 1. Dnlinr ty piry to von :. :,pit,la,e. : : "' UrS'al axe i; n trdtr,ll}• rvg 2zr.9 seni :e it A :vritA Dne Rnvu:l,l :o,pm,u,n. All dylm Irsard nJ I,�sI'g inU r,m ...,un[ 2. Tel' -.hole shi:- P.,FUi;se i;:t- ty dMinj 1 ! :�J- 355- 7":7': ,nJ b1brdn3 the ,C, 2,.I I r i = rrnrpt.,hhen y,u , t a phme p,yt -rd the aujh rn nne lesF:nr :e ,'rten' -;,u ,.Arh. is Ue n ini:T an .A:H r -1- avant:; p,;nant N,t ,till to 1e1:1 -J Iran -1-T bank, :aul . Funs it,y tr riNJl,rn haw ; ,uI t,nk ,::omrt som ,s the rnt , Jay we p' „ ym puyvar. ., tt 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 ................... ..... _......- . ........... .................................. e Don't staple or paper clip your check to the payment slip. • Be sure to use the payment envelope that came with your Alternate Phone. E -mail ....................................................... (� statement. Using a different envelope could delay processing. an Address ................................... _ .... ............................................ a Please don't include ® Y 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. 200937 Important Notification about changes to your account terms Dear CHRISTOPH A KLEINE, At Capital One-' we're committed to providing our customers with clear and timely communications. Today we're letting you know that the way we calculate your minimum payment is changing. Please keep reading to find out how this affects your account. Important Effective November 20, 2011, your account will have a new Minimum Payment Calculation. It's important for you to read below for more information about how this change will impact your account. Revised Terms, as of November 20, 2011 Minimum If your balance is less than $25... Payment then your minimum payment is the same as your balance. Calculation If your balance is $25 or more... then your minimum payment will be the greater of: • $25 or • The total of 1 % of your balance, plus interest, plus any late payment fees. If your account is delinquent, your minimum payment will also include any past due amount. Thank you for your business. We look forward to serving your financial needs for many years to come. This change amends your Customer Agreement. All other account terms and conditions remain the same. Please keep this letter for your records. © 2011 Capital One, Capital One is a federally registered service mark. All rights reserved. E x CHRISTOPH A KLEINE 200768 402 NEALY RD Date 12769 NEMILLE, PA 17241.9472 Use by 11/342011 68 742880 5 01 Pay to the V OI D order of Dollars For inquiries call 1- 800- 833 -6393 Richmond, VA Memo Signature 276911' 1 :2 5607 2 70 11:750 243363601 211 Use your account even where credit cards aren't accepted The checks on this page give you easy access to the available credit on your account. However you use them, they come with your purchase PLUS; NO rate —and no transaction fees. Any checks you write will show up as a transaction on your statement, TRANSACTION just like a purchase with your card. FEES These checks are great for: Purchases Use one if you need to make a purchase where credit cards aren't Transfer balances today! accepted (like at your wholesale club or a craft show). Cash ® Use the attached checks Write a check to yourself and cash it at your bank. You'll get the OR same rate you pay when you swipe your card for a purchase. d Give us a call ® 1 -800- 833 -6393 Transfers OR Transfer higher -rate balances to your account. Just write one of these checks and send it to your other creditor like you would a Go online normal payment. A Q transferbalances .calitalone.mmloffers Interest and Fee Information APR for Check Transactions You will be charged the APR for Purchases, currently 16.15 %. and Balance Transfers This APR will vary with the market based on the Prime Rate, as previously disclosed. Fee None. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new on Check Transactions check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. 200768 cHRISTOPH A KLEiNE 12770 402 NEALY RD Date 68- 7270/2560 NE'rT PA 172419472 42885 -01 Use by 11/34'2011 Pay to the VOID order of Dollars For inquiries cal! 1 -800- 833 -6393 Richmond, VA Memo Signature 112 1 27 7011' 1: 25607270D:7 50 21-.33r.360 I 2o i m mz o 0 p A O 0 < re N M x m ti m m O' ry m s o Z 3 O D 0 Z a O y ° n w o � – z ct to z e 1 m M c r Z 1 0 o p w Z s M r 0 * m Questions about these checks? Q: Is there a transaction fee for using the enclosed checks? Q: What can I use these checks for? A: There isn't. You won't pay any kind of transaction fee A: You can use them for almost anything— whether you need to use these checks to access your Capital One* account. extra time to pay a bill, want to give a check as a gift, or just want to have cash on hand. Another way to use your Q: What APR will apply when 1 use these checks? checks is to consolidate debt from non - Capital One credit A: These checks come with the same APR you pay for cards and loans. purchases you make with your credit card. Q: Where are these checks accepted? Q. What is the difference between my "credit line" and A: These checks are accepted wherever you would use your my "available credit "? personal checks. They're a great way to "charge it" at A. Your credit line is the maximum amount Capital One will places that don't accept credit cards. allow you to borrow on this account. Your available credit is your credit line minus your balance, if any. Important Information About This Offer • Please make sure the total of your checks, transactions and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if: - Your account is delinquent, overlimit, charged -off, or closed -You have filed for bankruptcy Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment A term of your account relevant to the offer (like credit line, APR or your special transfer rate) has changed since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • $0 fraud liability claims are subject to verification and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of your Customer Agreement. Please be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital One account. • Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient funds to cover the amount of the check(s) in the event the check(s) is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect U 20' 0 Capital One. Capital U , ie is a federally reg's.cred service mark. All rial reserved. ° m D O Z ° m mo 0 D D a my m m m = m O ' m D m T s m o nM o n p O D y 57 N Z m a c r0 Z ~g a Z 1 � Z x rt N N p m r tm 500728 7 I Capitaj1 l capitalone.com ^\ I Get a jump on holiday shopping! Redeem your cash back for a gift card today. Popular Merchants • Great Restaurants • Variety of Gift Card Amounts I ✓NOHassle rewards:' Page 1 of 3 1-900-9 l www.eapitalo ne.eom Sep. 28 - Oct. 27, 2011 30 Days in Billing Cycle ` MINIMUM PAYMENT WARNING: B you make onlythe minimum payment each period, you will pay more In interest and it will take you longer to pay off your balance.. For example: I Platinum MasterCard KXXX XXXX•XXXX - 6012 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional charges Are Made 5tatemantBalance Total Cost li $3,327.74 5700.00 Nov 24, 2011. Minimum Payment 21 Years $9J66 :�- $132 3 - ie ar s $ 4,744 PLEASE PAY AT LEAST THIS MOUNT Your estimated savings if you pay off this balance in 3 years: $5,022 i Credit Limit: 53,500.00 Cash Credit Limit: 53,SOO.00 If you would like information about credit counseling services, call 1.888- 326 -8055. i Available Cred'R: 51 ?2.26 Available Credit for Cash: 5172.26 LATE PAYMENT WARNING: If we do not receive your nnimum payment by your due date, you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penaky APP. of 29.40 -k. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 53,234.60 — 5150.00 t I — 567.20 H 5175.94 = ( 53,327.74 TRANSACTIONS REWARDS INFORMATION PAYMENTS, CREDITS &ADJUSTMENTS FOR CHRISTOPH A KLEINE #6012 PRR'iOUS AVAILABLE REWARDS BALANCE 3,196 1 19 OCT W7WENT (S150.00) REWARDS EARNED THIS PERIOD 176 i (,reflects transactions posted during this billing cycle) TRANSACTIONS FOR CHRISTOPH A KLEINE #6012 1 O6 OCT DALES DRUM SHOPHARRISBURGPA 514.34 AVAILABLE BAUuNCE AS OF 10!2712011 3,372 2 15 OCT PIZZA HUT Os1006261 0050SHIP ?ENS3URG ?A 527.02 3 15 OCT SAYLOR'S MARKETNEIAVILIEPA 556.03 4 150.7 KEITHS FARM DAIRYSUPPN E'.Yt'ILLEP.A S33.92 5 16 OCT GAS USAUPPER DARBYPA 540.00 For up- to-date rewards traddng, visit 6 18 OCT MCDONALD'S F17868HANOVERPA 54.13 www.capitalone.com QfNOHassle rewards - ► Total Transactions This Period $175.94 or simply call 1 -600 -228 -3001 INTEREST CHARGE CALCULATION FEES dotal Fees This Period 50.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Fees This Year 5100.00 Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge { Punfhases I 16.15 %P I 549.03 S(165 t Cash 24.90 %D 53,251.84 1 566.55 Transact continue on page Z PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.0 APITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178052433636012 27 3327740150000100008 Account Number: 5178 -0524- 3363 -6012 Due Date New Balance l Minimum Payment Amount Enclosed Nov 24, 2011 1 ( $3,327.74 I $100.00 � BE SAFE! i Your trash could bean identity thief's . PLEASE PAY AT LEAST gold. Manage your account online THISAMOUNT and end the paper trail. Sign up at www.capitalone.com 400009 CHRISTOPH A KLEINE 402 NEALY RD NEW VILLE, PA 17241 -9472 Capital One Bank (USA), N•A• 111 I I I I I III III I11 P.0. Box 71083 IIII I III 'I 'll " II'll "I'111'III'll "" III I I III II Charlotte, NC 28272 -1083 nlllll' III "n 1111 "Iluh "II'I'lll'll ^II111111'llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this ooupon in the enclosed envelope. Capita Hop online to redeem for holiday gift cards: 1. Log in or enroll at capitalone.cominohassle Z. Click on the Rewards Summary tab 3 • Click on the Explore Rewards button QINOHdSSI@ rewards Reward program feamrcr arJd tcrn>r may ra>;. C''r 2011 Capital One. Capital One is a federally registered remiire mark. AU ngbnt reserved 0 How can 1 avoid payhT Interest Charues E,h n'a!dtr you Fay yau: 'NZV; F Ian;= in full, y ou will ha,, •, _. :alfn!j our tlaFha:n- nt -! nuntt! t _:::'di_• -7J7:: - a!d Er :+idita .;:ur inial!rbdantI :-! :1II err jra:z 1: -!iaJ .d 25 1,y, 6th err iutrest :Y:an j- an al! IT — 1) 1:ur:h'xas. 2 ; tall!_, VT.O., rs. i) sFti:i'al :»!:rzszrrtatir:. 4. Nry'!r-nrts t;-.1 sh.,IJ to sanrthe n',;Iinj,Jd! -ss !a niltJ an Mt t;IIai Fs[1an ai p,r!hi:es nrJ t.1 ant-! :hal It you h— Czar pni!g ylui r aT in 1.1.1 0th era irnxlesC ;nays: I" -J I'll this stat-v tint. Pips nu will be ;rrJa -J [: y au! "i t' 1- tF'y} nit till ir!tu l,y ] r..:.' h- j At.. ="` -e1. T. -. • F -. d in =h •F I M_Fh 'at th t l t'= Tj „May - IT iby I TN Et r d••n - , I Iv,ndn:,n nanyn. 1,r , . ,runFrJtulen.:trm,F.rau'tnA. Farr I F11,11 11 ly al,0.tur J., _s. ,a L: j-.: t;•;a tun'p vanatM- Now its the Interest Chame applied? hit Lh•il xs v;:n,- Ir4; Crz 1) gat- A M- ualsu.d n, 2) dat th- aattnaut anJ yam :he..k 1r Mt zn:los -J !- u'd[wn:e -err -bpz, and 21 yaw Fay >!crrt iv r- .. -'•.:d n! .arc at :, - -n - i : -. • - .n ],.:,I Mx t!1!: 'miad. hrc,. s ,h,;g "1:!ue an-vmune:nid annul[ Fra. cinj ;wren. ty 5Fn' la:al un'r. na:,ve : -tar. It lager ;7) to =!nzss J•>,•e Ur rt'ait ]e1!w!y. Mai!e9 Fr•rrtn[s un!. - pa J at a gF j r• 1t ,tang - ad! - r r:,tin a. - ,tilu - n -1 Jt - td• J M u!!➢!P.;:FnJ nIuII.Th': I'aaI't,nemerest _h TiI "e,'en A yaJ p,yth-- :Nle'N E rt'nd. to J;] n,. Ja =a In M. Fr- v.: n,r C .,nF'a J ere- at -ltr j -= a•- ,jJ -J U th= p1j;-! :. jr' r.,l }au. ;s.,], n Do you Process Paper Usedu as a Eleamnic Funds 7ransfer ha,> . ! ,rill t- FI;.....J nn:;v-n, s.•esx!,•a Mtright TaI.I s: = intiasvh•:gsat err; tire. `.'+rc n you FT"iie a;te:.k at ilh lc into i Abn to n -eke; Faynz a • TAn,,i, us at gin aa- nts ta USe M= , n you env.ss a Minirwrm IMrrest Cherur `:i A . err n n oil : N TERE,7':H4R:,E a` 1: I t. J Ian -;_h _ I [ t k'. I. - .: H o - M.. I .] u 1.. 1!;t'! }'- • J - F,; ,...:ant Y:- nu y ti!lit'j F- naJpu! a:ai,,A.e sotjt;t U an lltrt ;hayti. .... Ut,l.tv,i.d,rr ,t.,n.:Fra...: M. 1.:n'.tl -,I it J,.k.r:n "i.ur! How did ou Calculate tM Interest [haroe T-!- - ;ra ear: r:l :,I �latian: [ns[ a:e u•. -J [: Jcc:n: inrc •;air t:;al What it I file for Bankrupt d ; •u ,!, ernM%1 to t,ncuF::y pat:Gan. tMs i t "Id. is III inlanrAill y ma 't['Jl. r '.,. J - t,:!:,: D, '�'. M'rr<OrT, +:h h j Ijty C t. F ..h .j . t 1111 n.t Jh - I .J JJ t A. c 2 th ❑ R11 .,, Ca•n Ik - t t ,t. rcr.,FL };Tars IT "I J?: y '. [ J' Sttx H F ,! y,1•, Md j i t t J} nna '. t m J I t n h j I H t u F J yI - u,.r i ._d,. pl' .,.. ,..' .n . O iCl.'• • :,h Eak; q,.T a1i.: <., r -n M - - I'- I d - la , , i our P n - d r' .. -h �, t• saU F 'ha_e BILLING RIGHTS SUMMARY _oes - n.y,m.:o S Busi r_•ss A<vu:uts. a•<F._r-{.,.h'a:.....n . izontih- J,} t 'to er- •rJ�,U' M':a!•,tp;r ,. , glu l m •tad What To Do If You Think You And A Mistake On Your Statement It y „Mnk C- !e '•m.! iIy =, n- r:at adJtJ i_ Mti Jaily kah;n;tisf2. , Ta tint yw! 411.3z D'eily f3-•nra: 1) aJ9 the Jeiiy t an;zT tyzCrtr anJ 2) s4,t- u'-it, it r u at. M- sun' [y Mr rwnt-: a1 Jay: in M• tif!1y -1 -. 3. Eell: f2 yaw to *- Inner -s: _era! 7-: t 1 nUhiFly yau, ,aFirat :ire 4- Jailytal',n:- t}•th- ia3y F- niaii; ran: a:d it n'n:3Fly7:= -0t ty Mt' nunr t -: it 1,}:' in th- tilkg F=riaJ. N E!TE: Pr, b r.:urdir °� n s n :nixv!r ir:: -!e:t ;ha! je. MI= '.a1wla *ion n'ay w!y tn:r J:e int.!za ;h-,qe a;nally SAL, -it;. T, F413�C255 .___ -J. 11;vur 1-nan, jie: us the tallawirg ivt:rralal: How ran ny variable Amnual Perwntaoe Rate (APW change? Yaw AIT; nay i!]aas :,! 1a:r_a,z tas -Jan an- - . . e:.ount inbur'arian rn• =nu a;'.aonrt iror zI I t s-r:n srnrir.J ivJi;e r- {u1•cJ it 1 cYUii SL:ei.b .f. Ta fi vlikh inla. la —d tar y:m a;.Iunr bak - UoU:n an v,re Tha Joll -r •mourn at t, susF::r^ till. ia! v _: d -;P, I. C S 1, a: fl an the h;nr ]! thie su:- e'e!vera [a M- ?PNS1. Than JI :k Mr tatlt ttla,:: - D'rs:riuti ni at PIati” It pu think M -rz h an ern; nr pus tIA, Jes:ritn, cd!at you tali -[x is <nmJj ,,,d why pu Code neat to your When your Annual Yau if LA Z art us +nth ! days ate: M_ znan aFcear-i an y,ur m;r. - -rr zrrt Annual Percentage Index whidsyour rates are Wiled on Penenlage Rate will Y, rtvt radtyus:! any!: nzrnial- !ns i , w!iti:u .Y :un,g ;x us IT nat1T us tit- :V:ni:ally, bit 1y.JU Ja Rate (APR! dlange nat'-puirzd nine- alj:ta "'y::aru;ial?;.is:I'll! ulnae ha to p�.!g CC •rraunt in: {uivAL.. P Vin:[- r;•Prne r I-1- 1•,].1; -^JU y,u h.. :[t yatC -.!Teri •.°,v'nv. =y 1r'h , M - - h - L :,an_ -ri' �' .t'.• Try o.:n_ -t!h. , _,err r.,,, n: n, ., F .,, IF Juc!t -rr a, Curnro!u¢ LIE] rayin !e;iausly li .la =ei L•yau p-!r: Je drat ni in fit:ha; a!n :!w:tian n'a}rn'a!n ny;untaeo'rnr. mC S:xn ':n!!tinr- U:her�zym i!dec:t a!Mat •srv,nt tvou- y.! = :Iae:JU -iU I-e-y, :ril.luly Eut Jzt,nins Mat—T J, arrM,Ia , y,u •:.ill nai h'., pay M- aiaunt in 4u -eti:m nany inti a! n�!n F! Eankal ". !Tinti n p-rausly lisasxJUy,u abler. ;th-r ties relatrJ U that it_ p stanMly ^lest ragin Frv'ausly Jis;lr -J r, eau Te!in[Jay al -a;h z you Ja cur has: I ply M- a!raunT ;o au -clan it'll c -: stint yr a nati: --taut M- our -air- at at, F Al andd, LlEM ra!j1: Frcsi:n,iW Jh;laszd U you 'inthly Nlliig IF al. tiaatl:nn,y.,u art!- s!:aiciG- l:rthtirn'ai1J -!al .,w n ti; 5 T, ,,. y UFJR nar' usly liv-1 -1 is •t ":- ;an.!:Fly any unFa ;d a!ra,;rnaj'.u:at }qu!:t- Ja!1ra. �n,p =;,a _ y_n Your Rights It You Are Dissatisfied With Your Credit Cana Purdu ses. it y;u tar dlseaGelled w;+.h Mt Js at Are there AdditG,n•I F.na associated with Trry, aanunt7 Yes. under ,rrtrin ;i!:un;ie!!;es..,u nay t- 'e:srsszJ 'a 5- r,i; -s M•a y,,u hart T,.l` =-J +:kh y aw! a•Ja Til aid yn: hive Til in pal taint b %illy : Mti vritt-lr with taP. IT R tuner -J P, ysl'rrt R -. riu r.'ax alsa to the rra:Jiant, y'.,u n.�: h'�r: M- ri_h ri . U M- n- !ra;nnr t Ju- an tN h y- 1:t' j r!a[, : :..'t.- +. Mar, Fer n nxi -: , r]+.rdraut s :ain•g ,u• jM r. ,: -: -' I a i:,er. the !: l,; r:enJ U USt t- v.,. !Y,,. IT - - ij t us: -J },n _ =JS .n t,• t1 l:u:_Y,., r h 4. iaJ t•! How can I rr A,r.,u,w> Y. era}' :T'a'e p t:au:d ty v ,llinj n +annj -, :uira'zr Rh,Gwrs ,J•rmn t,ai mr.ATM ar v: ,atht:klhY a:: -sste yam:ItiJi[ ;ada::auui Ja n:u 7ually. .. Curran i!ai,e[ha+2 w a [eFa:w tian. It y ,u us -y,ur :.r -Jn;mJ Iu11y I:,d tan Me I:u:1ns-. It 1 N this -nia at .w ant n et nnJ y ou :till :lis:ati =tint wiM Mr punt •.,se,:ar!ct r :hams Fail b }ow a:;,unt at[zt pu aa: u U ;I :s t, we ;an kzG }':w —ai n oFn. Ta —id Fipq any us In mina r aFFlkatlr nreiC -r =hiF lees, ll r Jast yaur •r;awn plan r M- enJ at M- �Ja in r :hiLh a N s:h -Jul -d U tit 'Pit'. anti till -J. P.�. Eae 3:2 =5 a ha ?ghat xns a e.,n ••a :• Suspend, %N .r, :Ls- n , u. p id •ant a.eaunt Tier] yon ii ht r aCai'l y. U ld ny 1 - : 5 F } J 5T:Tlz r _ ',ate. M' ° aFFIS c lit ^.!`F ;rt _ a i =:reszi a. A]— .- 1;ni h :; aeJil v any lu'z ant bn ang rcasan, rwn it y-iu art t'1 in iklauh. A::aun[ sUrF IL I]li ;§n t- F:ent "nlMli al [ -n'a,n •. It yarn j I" is Ty Jan n,s'•udaJ you nut 1)stag uein Jit aT • a,, a::::w F :J:an: -1 •,II vItti st+:e v1A till p:,ourdtii;slan.Atthatpint it+:t- Minky;u u1an aunt y,u Ja t':4 Fay In tray. f } h j yaw ;,- reI:inya. es J- linyurnrt. our rt =,l; ply:'tnt', 3) J- tray all uzada :ante •a d a:.;tse :he.ke, and 4) Fay all a tail - us. .,en it M-y u . . e ra ;ha13 -J ate! Me a; ;own v. -n: ;I:>ei aI su F -nJtiJ. cirri suF::arn Fill" nratian P.1-7 Flt ;Gan: see ow cr-tsG- •n ,'.r.,::.aFit:Aan•:.:au Haw do t Make Pavmerds Paystern u'ay to n,dt ins- v- ralcarvs;t:rnlinu ty.r: inj vi vnn:: aplalan -::m' ,ipdal :'ua;eat:Jeralh • rrji ter -Je -Ivies narkal',puI9ne Fit—al_apillti:n. All rijlds riitt:J and toj jing ins pus a....aunt 2. Teltphane "ai;- P.es .ms- symmr ty J;aA!g 1 -tit= -355 -7 '�7;: anJ blloeirg Me T7. 2'11 'a. it,I ary parl'Ft. }.v Ir'akc a Than- p,yn'e!a thiaujh au! •ni;z r -sp:nr ty.L :. pu isharia U: U iniGat- at ?:hl ar -1- :rani: p�lir -,It that vi11 tt dtbtad Irwr yau: tank u: ,t Fnn!JS tray t- withdrawn I,an' yw tank — n as saon as Mr sass- Jay r. -Faxes yaw Fanrti!¢ T' Ca Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No priblem. Follow these simple steps to make sure ................... ........................ _............................................. we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. HomePhone ...... - --- '-- -- --- '-•---- ------- -• ............. ............................... • Be sure to use the payment envelope that came with your AlternatePhone ................... ........................ _............................................. 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 1 G -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 3 1 -800- 903 -3637 W WW.Capitalone.com Sep. 28 - Oct 27, 2011 30 Days in Billing Cyde Credit limit: 53,500.00 7PIatdinurn MasterCard )0=- XXXX -XXXX -6012 Available Credit: 5172.26 NEW BALANCE MINIMUM PAYMENT DUE DATE i Cash Credit Limit: 53,500.00 $3,327.74 $100.00 Nov 24, 2011 Available Credit for Cash: 5172.26 I i Previous Balance l Payments and Credits Fe and Interest Cha rge d Transactions New Balance L 53� 234.60 I — 5150.00 + ( 567.20 \ I + 5175.94 _ 53,327.74 111 i (TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CH.ARGEPLRCHASES 50.65 INTEP.EST CHARGBCASH 566,55 Total Interest - his Period 567.20 Total interest This Year 5237.83 i i I i i 1 i i i I I i I 500708 Get Capital One Payment Protection can provide peace of mind when life throws you a curve. As long as you meet certain eligibility requirements, Payment Payment Protection will make your minimum monthly payment • If you lose your job Protection • If you're injured and can't work • If you move Plus, we'll make one minimum payment a year if you can't — no questions asked. Enroll today. tall 1 -888- 345 -0238 to speak with an agent, Monday through Friday, 9 a.m. to 9 p.m.and Saturdays Capital One Payment Protection from 9 a.m. to 3 p.m. ET Cap31ta1 Page 1 of 2 1 -800 -903 -3637 l www.capitalone.com Oct 28 - Nov. 27, 2011 31 Days in Billing Cycle 1 ( MINIMUM PAYMENT WARNING: If you make onlythe mininum payment each period, you r W11 pay more in interest and it will take you longer to pay off your balance. For example I Platinum MasterCard XXXK XXXX•XXXX -6012 Payment Amount Each Period if No Approximate Timeto Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional charges Am Made statement Balance Total cost $2,086.72 $79.00 Dec 24, 2011. Minimum Payment 13Yars $5,355 $63 3 Ye ar, $2,983 PlFASEPAY AT LEASTTHIS AMOUNT Your estimated savings if you pay off this balance in 3 years: 52,372 Credit Umit: S3,500.00 Cash Credit Limit: 53.500.00 If you would like information about credit counseling services, call 1.868- 326 -8055. I Available Credit: 51,413.28 Available Credit for Cash: 51,413.28 LATE PAYMENT WARNING: If we do flat receNT your minimum payment by your due date, i you may have to pay a latefee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40%, I Previous Balance Payments and Credits Fees and Interest Charged Transactions ( New Balance 53,3 27,74 J i _ 51,300.00 + I SSS•98 - � + S0.00 = I 52,086.72 TRANSACTIONS l I REWARDS INFORMATION PAYMENTS, CREDITS &.ADJUSTMENTS FOR CHRISTOPH A KLEINE #6D12 PREVIOUS AVAILABLE REWARDS BALANCE 3,372 1 11 NOV PAYMENT (S1 O0.OD,) REWARDS EARNED THIS PEP.IOD 0 2 15 NOV ELECTRONIC PA)WENT ;51,200.601 I (reflects hansacbons posted during this billing cycle) AVAILABLE BALANCE AS OF 11!27.!2011 3,372 FEES Total Fees This Period 50.00 Total Fees This Year 5100.00 For up- to-date rewards traddng, visit www.capitalone.com (AbM ile reward, INTEREST CHARGED or simply call 1 -BOD -228 -3001 INTEREST CHARGE: PURCHASES 50.47 INTEREST CHARGE: CASH 558.51 Total Interest This Period 558.98 INTEREST CHARGE CALCULATION Total Interest his Year 5346.81 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 16.1596 P 534.58 50.47 Cash I 24911 I 52,76639 1 558.51 i I PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPIIALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178052433636012 27 2086721200000079008 Account Number: 5178 -0524- 3363 -6012 Due Date New Balance Minimum Payment Amount Enclosed Dec 24, 2011 ( $2,086.72 (\ $79.00 GO PAPERLESS! PLEASE PAYAT LEAST The trees will thank you. THIS AMOUNT Sign up at www.capitalone.com 400010 CHRISTOPH A KLEINE 402 NEALY RD NEWVILLE, PA 17241 -9472 Capital One Bank (USA), IN P.O Box 71083 III'11111111'I11'III 111111111111 ,IIIII111111'I'1'111'I111 "'11'11 Charlotte, NC 28272 -1083 n1111 1 null' Irhllnl "IIu "11111111'Inl Please make checks payable to Capital One Bank (USA}, N.A. and mail with this coupon in the enclosed envelope. .- Get Capital One" Payment Protection can provide peace of mind when life throws you a curve. As long as you meet certain eligibility requirements, Payment Payment Protection will make your minimum monthly payment • If you lose your job Protection • If you're injured and can't work • If you move Plus, we'll make one minimum payment a year if you can't — no questions asked. Enroll today. Call 1 -888- 345 -0238 to speak with an agent, Monday through Friday, 9 a.m. to 9 p.m.and Saturdays Capital One°"' Payment Protection from 9 a.m. to 3 p.m. ET 4)20'1 Capital One. Capital Ore is a fecerally registe ed sevice mark. All rights reserved. CEVaW /Zg ed2 How an 1 avoid paying Ilaarest [hames E, :h n'mm, y,u yJw 'N,v: B,I,n: in tuli, y>'J ,vill hJ , -. _',,L,ig ,u, [:IeFhrry - .erG :l nutrter 1 < : :U- 3i5- 7 "7�'nd rr :n'iJ'rty l"Jrm inlJnr •,UJn l::: ur rill :nrt:i - v uinnrurr y:mk :d L', Lp saT no iucresc.haye ,n ,II new t; pn :hs -s, i t,tnce v,oeien. 31 ,p% :ill ap % = %rrt,Ur :. 4. Pa;mznn ty n'ail shall] Y.e e�: ❑tha n,ilh:g,1]„r, I:, JSitd t P,GJn o1 pn:h,ses , IJ 41 Prh„ :hngx,. It y,u h te:I, F',}oy gum q in toil sAh n, nilrsR th,,gz: ,pFhzi ,n7 Tis st',CIr enf *,p,rrltL till to cre]tein y nm ,c,w,C to,. i.rlt F'y y "C. t b, toll, �vin - h. k -,ud a,:,yh •F I th. Fhu•t -, -11 tht" j x9I, : +: it,•I;v,J „th.•y,eu,]- ty31m1 Fr ,h•,n. =F %:, A irm -0n:,, w. n7 n: r: t m =,Con s.•h -r th.t. e,n rtu., 7 t' I,n.. III r , VI i n tin. Fur I '.I -] F,;'rr tat ,_ ul :h- t r w. r %: ea a. , IJng 1; y1u , r] d•, t m:m :xdU ul 0.1 : How is the frlte Chums applierR Inki %et :h91g-y , : :n,- 1:.. di% 11 J,[e A tlr Ums,:G„c 21 JA, the r,t-n out ,nJ y,,,r iha:k' in the %iglu 1 vo,rM,F ,n] . y oul F,yrerrt Ix I % :erv,] in m- :A Jan ',o :e =ye]„3ai :soul %nd „d,yA e( %[i0i :u -,iJJ.tn &re,t :hr % =, :: rue Jn rr%r7 unF',id gin: -our,[ Froc :vying : -ninr ty 5p':u,lUne.ne,s%,lb,ll:le,t!7A tusirr- ye1,yy l—,II ]eliwrg. Mailed Fraren[s F , F g - ]t - - .,ny nth :, 11',ti nJ - yr” Y,mn :v t_'IGt-d unoi t F J III. rh - ,u I n Juve rr „I,st.ha:g - nzn 1 y1u F,7[h- :,rtir, Tl a - I' n- nnm,, ' tul ]L nu. L s1 lw N- FI. v.: n urC. �,F,iJ nere.:; :h,r Jas ,•: ,dd-J o th' -,r u{.rr .. J, ... -1 ,..0 A:amtt. Do you Process Paper Dterla as a Elearomc Funtls Transfer P will t: Fu.e - J in .,n- t;., v;, }s. n :r :es• %,. r.� ,ee:m Ete,ihtb rut,••, =e ine� = :[!t,g %s'a ? r,yti�r %. lhnen Fr,vitl% a 3:ck:n ah%:k iul :nn',tiJn tJ n ",k s F'ayu' %,v„ y :umth,ne: u =:n om anent =t', un tha Doyou assess a Minimum Imerest Gt a 7 ,n urr NFREiT'FIAR',E u• 1;.5: t. .,s %i 1J .:h il r'[ t r L t. .: H d - U' ] Un •� =r tl. +r yu[• ], I.u :. y.. uu•rt !N% I!,^ - e t!I!rgl: :t_J yu1, ,. ,AiN^ut,e:t , ,C r....n.rg ',' c, How, did y C I late tt1. Interest Charue :I• , I h u - th't' [ c .your p What ill f le for Bn i, Pt ' :,vni_An i Ax i•." -. h �- ,jet} ",u: C,yS,l, t.: Fu r..h r.'.0 H[k n:.t 'Y'I -'.171 u. rt 'tC .. I t -1h -r' t1..-,:..'- Fo.: 'rr ,,} .m, t, J,ni %,•'P,: • •v t'I 1 i t. }' ]' dLf i1u. t' U FCy 2 t - PlllauFz,y Ilr y d 7v :uu!]Ik L. t t1u t'. IZ 1Fl:y -P, m'. ..!It "' ") they .t w tnle dAyt,n, 1,I ,.h sag t H. ,..Se:, t „u F,d ,.ur F.n. u: , e11.. dat'll,. FIe,-„ ,..., {.,. Jr. JE1a J..,_ 9A Wh;it7•. JT °11i;.:.,,, in luil;;,�sJU : ;i,�ca v :as nr, :rvJ %Ji *. :;r :n,rm, 11- n ms's :Cris V.110 FJ•(L you! Fu,'.h,�% BILLING RIGHTS SUMMARY:' —Nvi A,lWv :o S'r;aIP Buv + :i:.; r spe:hl Ful : :my : %rur,, J :yz :[ha Jyiiy b,l•nc. %,.:Jr,.Ume,•;i : :n� drat n% sour; ru', gi r e 1 -l:)] WhatT. Do if You Iti You find A Mist.@O. Your Stnerrnnrt it yn, Mink C,a, -is U0 J,ih,• bA,rcc,. .. TJ fins }'Jur 4. ^:r- :3 %U'aily P'll'm :e: 11 uJ:%lh- ],il ^iiFm :ze b > >d,e, , :d 2; st,n: m s:•ri.-b u, :t: i i,iie d,% su:r ty [h- I—, h : J',y: h ti, tilli,y y:le. 3. Esdr: "-n Inn 1,1,1 III—l'. 11 IrutriFly ••,-our d,ayrA,n :e tytr,11 :17 F -r d 2) ,I,: Fl7,,, I_ t7m- m:1 to of d,y: ill th- tilltry N.1tF: G„ b G :uoiin7 w , n i.i :rm� - if or -,zs[ :h,! Ju. ,Tie :,I:.ul,r!u:, n'ug v,ry hon' itr i:,rvrvst :h,q: ,.ntelly S,I[Uik : :it;��iT E41 aJ :~i =i n::an,dlln How ran ny variable Annual Perremaoe Rate (APR) drangee v,m Ariz r:',y e,J%sz r L9t-J I !_: c% nst,^ i'nJiuii;re : : : :n...iir :�(el'uri SL :et :.,r. ^ :,ai.i,In,Jviti;h irC,x =us-J t,r y,s ',:::uun:IJ,k - U,il,r,n,u,¢ : Th %J,Ilor nr,irtt;!r.^- eu- ,F':ny -roll. ` 1 IJ!9� :ie;r,t C,iU,: Fl m(h -1 :;tai ,!this,4en'en ?I! %xtbU, ADR;sr. ih- n:he :k U: -4,tle t -1,s :• • r , as:.Iitin: Jl Pntl -n' Il you NU,i: thel %is,n % :IJI nl gnus tin, lei,iL`e aT,t ylu L•%Iier: ie •a,nq ,n r:rnj y.0 Code nett to your WhenyourAnrual "L r.0 :mt-t us sides, 5. ],}s ,l[ d^. % %n,r;Fp -gin %],n pu, erjt-!, e,r. Annal Pe urmntage Inde. whir your rates ere hosed on Percemage Rate well 17,: rnsi ¢,TTY us of ,n7 pm:nti,l rr.ws i„ v,'!i[iru 'i '17:,11 us n :uUy us rl-:.voni'.,Ily, t,n iI }�u !J v:e ate Rate (APR) rhange nn I%:luirc9,l iF Aig, Illy nr nU',! %n„s , d you n he'll. t, F,7 I* ,u :,unr ill, IlyMn: ".,gin plw' ] ib} :•J Te' ti.y ltd I.'., m• - ^[' :S .rt ill h- the II g a L �,rr_- Iy'LIe7R r,ynFl - _:uly BJJ:%J b y11 F %I :]•d P. sdc l 'se mu :c7b II td.. r -our ..F [ .r q t M - r' Juu :a „etn :y .to a °,yln::rvS +.Jr9y ls:bszJb pu 1,nu,ry..�:nl.luly,n7 'lhe .hrge ,.lu<.t u,nn.rn anJ ,. u. .L[.r,, ., ds., n,, ,...wr ,. u.hn.!ey , rt -r•tt u!, tlu;m JUnt : r. it v;e 1 -[ nrin%th,? r.- n - :tl% a :'ist,l -, y-,u sill n1 h,vc b l�,y d`x ,Dunn[ it „!,anti :,n Jr m,y irG:-,'e',r = em,k:,li ni:r, rrngin F :e•r.,uslyliJJe,iby :u 'Y.btn. D M1bnlAly ri'ure rngin h,e,iJUSIy ]is- Lsetl }vu IDa!iryr isy :d oath '.NWl yr, J. not hus'e I, p,7• the a i qu %e?im untl yr son] you y'IJti:e _but dr F G1 mdd7Lla la r,!giI; FI%viJUSiy ]is:t, -db n'1n[h;•tillingF %i W. inryUg,C,n, y.n, A y -1'm ire.,eu,y UE�R rrgin F,- u,uiy]i :i,y,ib ylu ... - m,I :Fly,n7 unF'ai1 ,r,IaC,g,a:s: 7Jm :t%1II tut it, Your Rights If You Are Dissadsfied With Your Gediz Cab Purdras!s..I y,u ,re ] re,[yti %1 v.,df C.e g•:,tls ,r Are there Addmm+at Pe,s associated wish rty aanum7 Yes. wide :%n,in Jh u y1u n -,y L %,errs ?,1 , y- ls i : %s SI1N yJ�: lyre put a :r%1 v:ith }out ;r- ]iCmJ ,id Y:.: h,w Ui:] in g„] Paid: b n:- ; ih% rr t!nr vgh U[: Jr R,tw :, -] Ri; +r -ia Far. ri11 r.':'v 91st, t%,ss _used Jv %;lin'it te,> 6 :- nri. -J ty i,+v.:'.'e re ::r :v: d:- ign(b (h_ n'•r :lt,r,, i "uu n,y lyre the ri,ht:r: C c,y th% r %n,inina nr,unt iu, Jn 3r Fu, :h, = -. iJ ue =this ,igh;. ,i1 J1 nn,•,.be: s,thsfi Fir n,C.e „d si ih„a s.•nv :y ght 1,see - -- t'ai,r -.r. ih-aAu:.�,1 n,•t .: 11,,:r u:Y — u:-J y .,r - �::r]la! th- I.u:_I:,.r - - h - Ill,]•ssrh ,=h How ran I rl,�v 1'JU Illy JIR your r" w g g ,w - .... +. .. ' lily...171 u'uy[ Ix ye[ h,w ..0 t[ ty :,Ilin' n xriL'n Cu,bn'-I R =;Aims edv r, y ton' a, ATM,rs:i'•„ :he[klh-A, alysze yu ,r Jic.rtd' %a unt iJ rot, qu, [nF;mrent A, d„[ti :r vr. siA Fusii- ,i]hi,rral leede InNjinj F,yr - em inF.nr.',u,n. II}ou neey :m .rr7P.,nJ tullypi]t„ the- u._h :,,:. 11 Ill Arh :,rt :d,,tr.,r- 1'te,d7.111 all% till. 1y , -Aeti,J xirh rh- pu,:.tr,n, :Jnc :t ,t :harga Fat tJ 71.. ,:':: out &I, y , k us U d1 =: iC we om *,-p y , a: Ilt F %n. To ,mid paying - u° 1I15'aLl'm It ,µlk,tle te,shni le %s, :.,II b JJse y,ul Taunt piw C (h %%nJ :II the „le in eAi :h a is sheiuled o L% -,pit,[ :.+ill L'ille]. P.a L 3. . What no a Illy s.,,,,.,a is s„N,eud M uy %bIJ n euec-nd 7111: I'd 711 light b It I'l s,a L',k: :it}•, Ul' 91 r +,; h--* :redlf at Illy 0,P r,J I,r ,l a ,y -yxl awn f , ou ,re r' - - to .or =men[ Jr e .:-- eeeo [h, s : t it the �r -1 it , : ils :n=sei , . J :e tinlsh 1 y n, in 1:Fmh. A. nun[ , vryznsimr •m , F• g ore oars nF Jiry' ..ur vs - , all r I, px-lly. It 7,1-: tat iy --l—d Jl susp- n]e]yuu n un 111up usuy you, Je]it 1,,]vn]a : : :m4,.1 :,:cH,l! ^ := 'fig y Rl!}ou our Je :i:rst.at NSA Pint it w.: Nmkylu,sa mi,n,uuLnd SOU JJnn P- r., nvy n 9UUm il_ Fy}sr' %mm 31 1 % :tluy ,It :I; -:i( :.,,]e nd, :; %y. :he :k', v,d 41 p`,}' Ill ,rr,unr- y1u , sew, %wn it drvy relurty,u ,e ]-1in:lue,tt. _ _h „g%J,tC -i tht, ::JUm v.-,s J' J 11 yusp %n1,1 irll ltim J'- Y ts¢: n How do I Make Pavments n -, L I uy —ye: 1. ty _ t% rr,i, in ; -v,I,l :ntlin: l ling r_, eren..:,Fit,llne.:urr : ,I. Fp,r Fri,• :y p' un: ser,u: v.•: _1{: 211 :'Tie ism Yd'er,llyI %gi :i -1 -J rni : %n Ilk 'A Cspir 21”, Hnni;i,l :wF,ri01n. all Iigl[L „se,r :] 9,d lugging i— y,m ::Jun[ 2. Tel ph Ile shr, P.espny% iy2o ty 1 1 �i 35i -7:7': ,Ili bliI Jog [h% 2::11 ',0111 a,= i F,,R P”. i4h %n 7yu A, , Lh,re F,pr -[a thuu. n , nE_ I pw - ey t %Ill. 7su ,vJ,:,rivr u': b insult% an Y - H u, de:Umi: P.J drn rill to Jetod I— yiu: talk, _ :l r Funie It',y to rimir,vn lurr y1w t,nk , : :Jmtt, nm sd,e sun'- ]uy :e Fr %„p,m F,prem 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. • Oe sure to use the payment envelope that came with your Alternate Phone. E -mail a 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. number on your check. 1 . 500708 Get Capital One" Payment Protection can provide peace of mind when life throws you a curve. As long as you meet certain eligibility requirements, Payment Payment Protection will make your minimum monthly payment • If you lose your job Protection • If you're injured and can't work - If you move Plus, we'll make one minimum payment a year if you can't — no questions asked. Enroll today. tall 1 -888- 345 -0238 to speak with an agent, Monday through Friday, 9 a.m. to 9 p.m.and Saturdays Capital One "' Payment Protection from 9 a.m. to 3 p.m. ET Cajpila/ Pagel of 2 Customer Service 1 -800- 903 -3637 L_____ 28 - Dec 27, 2011 30 Days in Billing Cyde www.capitalone.com MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you All pay nore in interest and It will take you longer to pay off your balance. For example". i Platinum MasterCard XXXX- XXXX -XXXX -6012 Payment Amount Each Period 11 No Approximate Time to Pay Off Estimated Additional Charges Are Made Statemont Balance Total Cost NEW BALANCE MINIMUM PAYMENT DUE DATE I $2,049.13 $62.00 Jan 24, 2012 Minimum Payment 13Years 9 5,273 $8? 3'te _ _ $2,929 i PLEASE PAL' AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: $2,344 Credit limit: 53,500.00 Cash Advance Credit Limit: 53,500.00 If you would like information about credit counseling services. call 1. 886 - 326 - 8055. Available Credit: S1,450.87 Available Credit for Cash Advances: S1,450.00 LATE PAYMENT WARNING: If %f n not receive your minimum payment by your due: ae, - ym may have to pay a late fee of up to 935.00 and your APRs may be increased up to the Penalty APR of 29.40`x. i Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance s2,o ^ -- e6.72 J + � s j + so.00 = ( sz,oa9.13 TRAN SACTIONS CREWARDS INFORMATION PAYMENTS, CREDITS & ADJUSTMENTS FOR CHRIST6PH A KLEINE #6012 I PREVIOUS AVA!LABIE REb1%ARDS BALANCE 3,372 1 15 DEC PA1TAENT ?S80.00) I REWARDS EARNED THIS PERIOD 0 i (reflects hansacficm posted during this billing cycle) AVAILABu BALANCE AS OF 12!27x2011 3,372 FEES Total Fees This Period 50.00 INTEREST CHARGED For up- to-date rewards tracking, visit INTEREST CHARGE: CASH ADVANCES S42.41 www.capitalone.com Q✓NoHmsle rewards' Total Interest This Period 542.41 or simply call 1- 800 -228 -3001 TOTALS YEAR TO DATE Total Fees This Year 5100.00 INTEREST CHARGE CALCULATION Total Interest This Year 5349.22 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 Cash Advances I 24.90% D I S2S 0 07 G1 S 2 4 P,t,D,F — Variable Pate. See reverse of page 1 toy details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178052433636012 27 2049130080000062002 Account Number: 5178- 0524- 3363 -6012 Due Date New Balance Minimum Payment Amount Enclosed ORGANIZATION MADE EASY. Jan 24, 2012 ( $2,049.13 , $62.00 PLEASE PAYAT LEAST Forget the filing. THISAMOUNT Manage your account online and simplify your life. (1� Sign up at www.capitalone.com 40oo1I CHRISTOPH A KLEINE 402 MEALY RD NEWVILLE, PA 17241 -9472 Capital One Bank (USA), N-A. I III I I II III I II. I I P.O. Box 71083 111'll'I'llllt I t '11 ' 1' IIIItllltl I' Iltllllllt' III Charlotte, NC 28272 -1083 nlllll' III" Hill' Irhllnl "Ilu4 "II'I'lll'll "IIIIIIII'Int Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. �* Capital One" Payment Protection can provide peace of mind when life VV throws you a curve. As long as you meet certain eligibility requirements, Payment Payment Protection will make your minimum monthly payment • If you lose your job Protection • If you're injured and can't work • if you move Plus, we'll make one minimum payment a year if you can't — no questions asked. Enroll today. Call 1. 888 - 345 -0238 to speak with an agent, Monday through Friday, 9 a.m. to 9 p.m.and Saturdays Capital One' Payment Protection from 9 a.m. to 3 p.m. ET V 20 Capital One. Capi21 Ore is a fecerally registe ed sevice mark, all rights reserved. CBPI>Tdt 0 27 How an I Mad Paving Interest [harves Ea_tr :r -uh yw Fay pin "N=,. E,I,n ;� in lull Sou ritl hive •, When will you Creda My Pav,rnM r, inin ... g n,:- FzriuJ at .', days vidt nu inta:_st ;have an ull n':v: 1) Fur'.hnas, 2) t,l,n :e V a.Au :s, 3) sF -Jvl • Fa: n :ling ar art tla Fhu ?.,e:A th- tuyinzs� J,y s:•: ,z :eir: iC us I:,ng'a =they, :e n,Jz t}• i F.u. ET. Fur.h'r> InJ 4; :Crer :ltn3' :slly :n:h'ar :t :en Faynr�;.,ui `, ::7urd :n Intl raC, nJ n :t :rest :h'ar�es vFFl!zJ nr]yuu •FT irail;JFry+rer:ts., >;,tth'e tus :ness ja}'sr: reeive it`;sl :n :j`a;: ll yr, s- uiC :a trtUn'F'ntim'u1 C :it LrAl.,ysan ne:tt t F r_ th„ge I. t. �d. m -: - g F.,'.d_.uyh air, :, :i,, .Y. - kn th : :rl - C'... J)y' y '..r' :..e,rd nn.•,1 to a:m,1, r.. ,.t, ,.l- M.. th.,: •n, unra, t,',n „h,r How is the Interest Trove applied? Int- r-et :hnrgrs,,,: turn the 1) JA, A the hues, :clan, .) Jaa the r ,ei,�dtyus,t any urhei 1-1iun it, inn:y nth : :r but ,ray rrta t- iudrtei :.o',I rh- it /r :e r; : ::M fiery. v- ,rr =:,n ,:6 is p, :e =r -7 v: 31 lira ;alen]a ] :y :A dye tiGn:� F -riu]. Inv - : -st :harae ;:;rue :,n erery w,ltai] •nr;,un[ Do you Process Paper Tedrs as an Elerironic Funds Transfer M1 :,n m6 ,All La Fn:et' :e1 it, ane 1 I— uodl it is I:AJ in lull. This rr earn ;ou n -it tore merest :h tges n i I y,u Fay fix entir, `Nr,: Fvbor,” ,el month, v y,:?{Ten ;ou pntide - _he I, zhe:k ire: ur,bn n rake. `, r :,p, win., } u `,nth„i<: uy n om �,�cnis a :re the GA did na[ Ja ya h: tl!e pnzviars rconfi. Lupj 4-r- ye7. shoves :r.• i,Jzt, a the pope, v -anent u! ,,;ur p.;:ount. PL n!:n: to n'vkr `.r ane rwry A,H vvnr; :fin ar ::the, de :V:,ui: turd nn l t tnr y:ur : :Fosi W, lily H,re -er, a :yes =:v d,e ri htoeut'.n increa :havzs'at whin e. vis, use IDeirtl, :n-atona1: > :_ »m: F, }•nent;�'a :.he:ktr n;r.Jon. Do ynu assess a Min m Irr[-rest CFSam 1es. A s:iA, ull INTEREiT "HARSE S. FCS :,.ill to vsstss -J 1:: e,:h What a 1 fite for P.M. otcv !t y::u ,a ,,:title] b hmhuF y pn - :d,n. fiis o!rnuni,,hon is fo: int-rr,tim: till'n'i� d mis•uG t, er inara :hvr;. anly. ilk- nn mr, J< uF [rn :.alizs,,rseeyn :zur :,,Jet,a: doer. Go, tAy -nJ us p,n'enr•sidau; sp =,ki,g, : ^:[h a Fen. Sur ,:uu � Han• do you ralalate dte Interest [harve7 S {': I. n'ethaJ ;A! J Ara :aJe Nil." FA-at, ;in:.luS,g mw sn tanUuFt; v: n y,: th. E:uKruFty'Corot II y,u or y:,u, Ft nlxy conk fits :: :nrt'a1 uu: G M,:pt :y -I,i,, n,m,,C:;n. (nd•r ni. •th_], ve , ral'.1 d'd,rl :rY zgr .•nC l:r k-d :e te ri•, t' -,r ,...•:.Ay'rl -. -,,F ^, : -• :., o ;x ? :2�i•:•,t,k- t - ..rig's ';2'S in I'd "1 in rev: van =a :tiaras I'd Ne F= d,Ji sezt ir :ha,ge n1 the FreviuU . Jay's t,I,n:e, then : i sutiI, ,ray' RUING RIGHTS SUMMARY :Due, Nu:. Appiy to Snruil flush-less Av ll.,i re r: r nt, mi a -dry 1:., IV se tle as � ttt,, dvy. The asuh is the Jai 'tvl,!ce t,r a clo - nt. H—re:, it yvu What 1 u Do If You 1'hi l; You Find A Mistake an Your Statement II y',u think there is ,n e:i,: an y,ur Fail p:n Fe,ious u,;nfi'e ?,tuna un tu!I r! ;om t; +:m :- v;as eu ai , :re;i; nrsarT. nnv: ran =rhos ed:i:.h post :tvtenanCvair -r ua ar. to pu Fueh, :,:sp =ial Fuz-h— se;nxn[' -a rut odic]v the dAy b-,lklI s. AL:I, D-ctbne thatm- sutjz;t to Fe :iaJa ...,t,i]aJC U1e] ly?Mmes -s ;,Fetal :Ya N's:, to fed yv - r r reifyF,l- .r.,]JC1z JAY :,.i es tugeCte, till ee :id 21 dkridi ffi a.o ty P.D. 5 the n.nr'tzr ,t Jut ndl t, in yfl i,k t,k-'it}•, ir e 9413 : ' .... At d'e I'd A -,,_h ! Ilin g. y, L, c- ]- anrin -;vu: hr, :e:; ih,r 1,11:v ar:'u:dFly your Av- a -ily EeNn:e I,.yom le¢ -r, give us the Allen i,g int:rrr A,n: ty CC]aiiy Fzria]i:.raa;AnR SviJaJ Ly3L•iy F,th;t yzg':'err,nJ2):r:ACF1y C:e result t; th- nu!rtrr at J,}s e: the • A';,u:rtin!a:r',an: •iaur n- :'z,n]; ::.aunt n- :'tzr. ttlG!d FaiuJ. N�1E: Uurto r_an5, :g:nerr'inin'mr irtteet= harge, Clis :.ahuh4b :: ,ray rarytrrr fiai, :`rr- ;hevz ' UAfa vn �wrt yhx +,It',, xi —I atvz a ;m,l!y ssz >saJ. • Uzy ;riprion ul Putlxn': d pu firnKfi -,- I•',n =nor :m pun tiA, Jrr:,itz ¢h - yw .Yliun k vamtg ane chy y,u How can Filly Yariable Armual Percerdane mate tAPR) change? Y m x 7 i ,:aare ,: J: :gas- tserJ on an- telin•: ins s n take. . . a1 fie 1,,11 im eportd inii:ea ;rry:o:ei n: 7l, v.Oil Si_f ,hn.•art:. T, ti shi :h index is:ry br y,m , :. :ounC }bu n: , ula t u! s' 1hel 5;. Jays At-r thx zr' >F :m Jon y,"r •t',eu e,r 1 : :,kia,ul -C - uJv u :l the tr,nt ut him st- r- enettr, y,u :N`R :s,. it :m,hz :kth >!uF,le tzLw: vvu rr'us[naaTyus ?uny T:aantivl I:e err- sj �y,+_ ter} y . l' a:: n ,y�A!us:,:n :nilyu =eL :huni :vlly, t.rnB y,u J:, vz ar- Cadeneattoyour Now dowe almlate your APR(Q? When your APRls) muequit It, inre G ,a :e any Fo[ -!u, :. er:urvyi:tovt r in l4 qurtin- -vill:otily you APals) Index + rrsargin (previously disclosed to you) will change ,:'shin is "p, ,t:n,• .. eipt of }ou, l vndl y,u I[ h - n p ever. P rtirt'e P`fii main ihaira J,y'A th- tiili,v ,]s Crt '. {Tel s'.x ins = :tijve,.heLh -r ,r nutVry :e has teM :vn -nor. [hr t,S,rir ::q `ne cue: d r L 3a'a:rtn ilE:H r a:;t, _ end m;vn- • rµ;ril, L,y. `n:J.^..t .,_,,,,:.. r;yn:,ncame an - : urrt h :que : +6ur :.a: reun}•a:: vairq,e:a on marmaurrt t • fnr uh,:ge in q:: - :tion r:',v r,n'vin'n. •;,m o-reu enC anJ v;e , : ",y :.anC : :uz G dav, yr i :mast an fir, araunt D nitre P. at: serge- ID -terse ia7 al e,:.h a�ti!w; dzanr ire hh ,n'r.r!'uJZ,nim,ke.puril! t :p,ytic -runt nr queetimlm,nyinaes a: ,fie, F t!r,,ANUFJrt nrthh•tilling Fe,iaJ. ,,,.,eiaaduth,tw! um Are there Adnni —A w-. associated with my accoud? Y under t ir::ir ::n, sr,n =s, y ou n, Le •,s Ys d :, • t{9tie pu J, nA h— o F,y the -vaunt ni a : :.ii,n undl v...erd y -,u , sfi:a taut [n= autan'e at ,ur 4m x R *hI r :eJ Np, tm lee. is, n'ay o!s, to ,F> F,;] Jve:Iirrit l -ee I Felt[ itaJ C• 1— tNr :eyerv- the right gnat inn frtl:al you ore Ps usitle 1" the ,envIdt, :4 put t,l-r.to leze,:ifi-A pin ra t =,n] vithaut. - Mug a w righto "yyeyyu yirrB`n l =e 1 - -. t {•• uFF �`y uuFai� an'au 1t,g inq 7.,v 1,eJrtlirit Howanl A- MMernbenKVFee5 i1,nen- ,:- :111ati :- i,F :i :rt -J an Ceh,ni rCtis =veer:- [y:; "rrayv;,iJ , . {iC:a:eC]y } = ?::ur re :JF: of yvu: leIIe.s :-: rd! =enJ }_`u, v "vi2n na[z <q :l -suing =ter that v :e ;an'e ln- Facingmarn„In'znte:hil, l- ety : :cll,,idn :usbn zr izrvienarareth,n 45 J - ;s ult -rC :e vyinthz tilling even; G, F: l: r- an}cent nert ?:rte,rn:rrt)ar the,eus-ry w- :telier<[he till's :.ane.r- :.yae urazJ I lbis yl, rr ei o Nun-1 fiat v:e :bae pun ,::our>< D A1 Fayina - : Thly oerrtzrehip lee, It u:ttact Custnr e: i-,n,. ,r: ;fir? e ;,auzst th,t r :z d, >: pm 'i—m -d ae Wfl yU ,e -Ja Nrly Your Rights IF You Ann Dissatisfied With Your Credit Card Purtflases. Y pu -e Jise- isti,J with the g,o]s . g `ur nn , i'-s thA y :u h— I, nth- J vdh pur ',eJit :.-J, ,rJ y,u ti, ui -J in 4,uJ lai:h to :.ane, C:- Frat!en with n'ente,shiF lee. . - ;:,. m- rrer:Y,:nn you y III, the right rat t, Fn th- rerral::in7 - ranee. ]ua n. the Fu : :Y�ay -, is :,s, the= right, the How on l r,,... at aTn:,bv Yau :.n un['aa CUAJF_r i-r _,rgral ti ,tu:ACUtwe Jos y httom :L4t lollu,ving:rutiteuuta: d� :rt tin'e.v:'Il eag lyin, ny,Jitun,I:aF yG V : :w,rt :I,vu :a,in :tu]ing tut- : :eF,yJrn i:t,urau:n: and tin eliney. n,J ,nth ,h,J.,n lest ,n Aih1 n +.9h, Plz,se n;rtz Clu:il y ,urn. -ey,ur ;relit : :hagey F_o yaw a „aura "t4r`�.,u ask use Jae -it. n keeFl ",ur .. -- e ;�: curt aFza :he ;k that ,:cessze pm slit ;,d r:amr ]a nn qu,fly; ,nJ us. What ha s17 s1. e.• nn.en t {` : I, Jae: n suyFen] y-,:n ;::aunt ,rd y,ur:i:ghttaatvrintry![ Zi'hu uurtnu[} : :t hate fully FviJ tat the Fur :h,e :. PPen - nom.. :. V� F It u!v- ; :rti z :ce eta,•: -zr.' -cad til!�iyy, *iaieJ :iN 7:: .has;.::nrt,:t u vn: in:: at -r}• br - -d tar any r-,s-t err, d y,u n <r,t in :.41ule .A:uurrt Bury -wi -, .a1 t P: an_nt n t -1' - nny. It lth y: :,re e _ •Fur' . �_ , t y,ur ,::aunt is :,I:seJ ar yusFzndzJ ;; uu,t l r soF uvng Y-1 udit :,,l -,rd , ;:aunt 2) :anal A -:,rt:n -stet CvFVUI'sa p,y:r e:m, 3I Jesv::; a!1 ::e]ir,ds end a_ loss aa:b'. and F',1 u0 v—,t.; y,u rare ewn P. they w_rz ch „gel C9. E,x a :Ei ,tar Th. aunts :•,s :!,eel ar eusFe :del i,k L-A ity. UT� 13� Non` do 1 Mate Paamenn T.A[,ny [irrz, pu,rvy Fey C1e rrini,ruo p,yn'er4 the bt,l a 1p d tvl,n;e, al `my,n'aun[ it : te -, :. Prpt ennts n ay tt it ins -v-vl v:,ys. L{T!It• , :� nn -; sCg,t. the F., rules ,FFIy C, dre Jiypt-] `m' nt ,y Jiy: ,—:1 ,tare. Ala, r.� l4k, our 1, Diline ty going p sat•. :. :,per lme. :,x .rod I :aging or• ^out =,; ;our; iur ug,t -t w. will cell you om Jei�un. At NA pain[ it v:; Nint you aw: ,,:,I. auo[ an] pu Ja nn Fay v: rr, y 2; T=I-eh,ne `tai ;e Re l`,le iy=an' 51fin 1 .',_-355 7,.7. old I,II' :zing the F!an;:is. V ",n y .v ! :•eke a , -1�a yvu,= ]eli :qn -rat. Franz p:pnrera th, awh ,u: v.9:e ,- yFa!,se y; +^.:rr. y-,u uurr ,it us [ iniC,a .n tiH : r el- :ir:n :i: Frren* Lh,t,'..if. :'aFtt`d �r suFp,ri intanr`Aian Frivr:: Frur- :G:; see aura v:;tsF -d vs:•,x:vFit,lane.:arr tz JztieJlr_ar pur[,nk`r uurrt.F;nds r,ytrrkh] :avn!rrr pun tank, : :'nnrt, =yam- r.- fiis,nz ], re r „]i1 CaFit,I ::ne."ViPA Jne isut- Je !aCj :=giSNJser•n :.e 11"IC At Iigr' I , -,•-J. rc 31 Cuierg aw t:kphanle nu:rter 1= 3'fi -7C7 ;. an] Fra y,u, irdrr.'ii:n: our eel �z`ertt,Aw: 41 N ;,r e,::s ty -Al ehaulJ to eznt W the,, ,N pl id.: i ,n the tiel: n r,rrian A this .T,v.cem- ET: § 1 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. - Ile sure to use the payment envelope that came with your Alternate Phone. 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. 500708 Get Capital One"' Payment Protection can provide peace of mind when life throws you a curve. As long as you meet certain eligibility requirements, Payment Payment Protection will make your minimum monthly payment • If you lose your job P rotection • If you're injured and can't work • If you move Plus, we'll make one minimum payment a year if you can't — no questions asked. Enroll today. Call 1 -888- 345 -0238 to speak with an agent, Monday through Friday, 9 a.m. to 9 p.m. and Saturdays Capital One'" Payment Protection from 9 a.m. to 3 p.m. ET. CapJtal Pagel of 2 Customer Service 1- 800 -903 -3637 Dec 28 - Jan. 27, 2012 31 Days in Billing Cycle www.capitalone.com 1111 — MINIMUM PAYMENT WARNING: If you make onlythe minimum payment each period, you Wit pay more in interest and it will take you longer to pay off your balance. For example: i Platinum MasterCard XXXX- XXXX -XXXX -6012 Payment Amount Each Period IF No Approximate Time to Pay Oft Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional charges Am Made Statement Balance Total cost 52,030.53 $63.00 Feb 24, 2012 MinimumPaynern 12 Years 95.212 981 3 Yea r, 92.90: I PIFASE PAY AT LEAS ? THIS MMDJNT Your estimated savings if you pay off this balance in 3 years: 92,309 i Credal limit: 53,500.00 Cash Advance Credit Limit: ;3,500.01' If you would like information about credit counseling services, caI11-888- 326 -8055. ' I Available Credit: 51,469.4. Available Credit iw Cash Advances: 51,469.00 LATE PAYMENT WARNING: It we do not receive your minimum payment by your due date, I you may have to pay a late fee of up to 935.00 and your APRs may be increased up to the Penalty APR of 29.4044, i I i Precious Balance Payments and Credits Fees and Interest Charged Transactions New Balance S2,049.13 — 562.00 + ( 543.40 + L S0.00 ES2,0D .53 1 TRANSACTIONS i I REWARDS INFORMATION PAYMENTS, CREDITS & ADJUSTMENTS FOR CHRISTOPH A KLEINE #6012 PREVIOUS NVAILABLE RP,YARDS BALANCE 3,372 1 19 AN Cap 1 ElectronicPhonEPmtAuthDate 19 -IAN (S62.00) RE,VARDS EARNED THIS PERIOD 0 (reflects eansactions posted during this billing cycle) AVAILABLP BALANCE AS OF 01127/2012 3,372 FEES Total Fees This Period SO.00 INTEREST CHARGED For up- to-date rewards traddng, visit / INTEREST CHARGE:CASHADI'ANCES 543.40 www.capitalone.com C✓NOHassle rewards Total Interest This Period 543.40 or simply call 1- 600 -228 -3001 TOTALS YEAR TO DATE Total Fees This Year 53.00 INTEREST CHARGE CALCULATION Total Interest This Year 543.40 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 16.1599 P 50.00 50.00 CashAduances I 24.90%D I 2,052 I 543.40 i P,I,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 5178052433636012 27 2030530062000063005 Call Account Number: 5178 -0524- 3363 -6012 Due Date Now Balance Minimum Payment Amount Enclosed PAPERLESS Feb 24, 2012 ( $2,030.53 $63.00 ( STATEMENTS PLEASE PAYAT LEAST Stop waiting for the mailman. THIS AMOUNT View up to 13 months of statements anytime - online. Sign up at www.capitalone.com 400007 CHRISTOPH A KLEINE 402 NEALY RD NEWVILLE, PA 17241 -9472 Capital One Bank (USA), N -V I,II I 1 IL 1„r I II r II III . „ P.O. Box 71083 II'il "11'1'111'1111 III II II' I III' III 1 I I I Charlotte, NC 28272 -1083 111111 III "11 1111 "II' 1 'lll'll "III11111'llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Get Capital One's Payment Protection can provide peace of mind when life throws you a curve. As long as you meet certain eligibility requirements, Payment Payment Protection will make your minimum monthly payment • If you lose your job P rotection • If you're injured and can't work • If you move Plus, we'll make one minimum payment a year if you can't — no questions asked. Enroll today. Call 1- 888 - 345 -0238 to speak with an agent, Monday through Friday, 9 a.m. to 9 p.m. and Saturdays Capital One" Payment Protection from 9 a.m. to 3 p.m. ET. 2011 Capital One. Capital One is a federally registered service mark. All rights reserved. Cap//al 002 How on I Avoid P-in. Interest Chames E' „h n yJU r,y yJU! 'Wes; E'aFyn:=. ill lull. }oU Ydll her , Wttenwill you Credit Me Prvnent nin...... :,:eF"'J.E2iJ:yes:id:n, int usR:h,rg, un,llne„ ti Fur'.h -,ses, .)t, t[,n4r1s, 31 Ir:J,! �FU: unlinz a:Jr:l the Fk r.r,,su!thzh,eineR�J,y.,ea:,nz iL ,s lung ysthey ne naJe Cy'3 Fn' -FT, pn'h,s %s vn94'r :�dr -1 ttrn3e.!t yvu h•m. teen[: crying }-Jw •,::JUn[in hA vi[h nJ inc -mat :h,yas',pplid'm] yJU FJt lr,il][:nlr:n[s.'is:,tihx tusinzss Tay',:�!e:eiv %R slJn�r: ll pur=u]drr tn[,Ir F'ld ottNy Jo nx l:, y yJm nert hill 4o1.11,Fn„eJiot=as:h,rges .jl; t %,eeesRd. It-,, isr y-m prltJ o, t,sh ,iv,lt:es. etuen'anr unJ,JUIa.- :kI.th %en11 rerridnc --r ne6F,,vdeymrF,;n'err. is c:,iccd in u!.e :,!ul.0 sl:u:i,l ounst -r, u, u!: ,ny rtesevyns,�tiun nHun dtere i, ,n unF -,!: t,l'nu IIJn' 1;:14:1Ue tall. Fru'sssing -nt, t; 5 F.n'. ixul tint. He " =,',lius, ;[ 1- ;71 to =ire == i, I:n 11•,P. Jelirery. p4•J!e:l r,;n'un[' How is the 'Me Osmue appliedt Iltr1,eyJ:h•ng - ,::fur ttnr the II 1,t ;Jt Ne u,nsy:6111, ,1 It tlI- .._ei,- :it}'us:R"ny urh'- 11 Jl in sny urger lJrn I: - :y n:,t tz:.re:la -7,s J!M: J'r�,:r r =:.:ire fi -n. n,ns =,:dun is r a „•�eJ o! 3) tict :,latTn J,y u! the tlTng peliuJ. htrleq :hege= ":;.me :Jn =r ty unG"id 'ar:!un[ Do you Pmeess Paper Checks as an Electronic Funds TrandeR P;I; +arty will to l:m!: syeJ in one JI tm my- utlti it is i:,ii in lull. this n e,ro yw n',': us.-e uti -t :hinges -,•en it y:v Fay the entre'N,sr GJlarc =.' an, n' JIM. ti'hen } ^vu F. ni]a a :.he:k n :hc:k mtJ!n'ati:,n t:: n'rke •, {: �m'elq ` •nfhu�ia u =:,l :,ut gertt =r u =e cite hd ii] nut 7J so t r trx pi:'bus Irn, ?:. UnF,;J irrr -,elr! It g-s re u-J-J :, Ca paper s-gn en: A t wv k1 I. A:H ❑rtsr *,:: ur udl %t :c:nti: find o,ns.er ira:r y ;:ur JeF::alt - �: arty N'2 Ir,y H J,e, r,l, Y:, r %: %IYJ tt %rlghtU rIJI,�e %fie' Illl,t,si:hefges y ?' :Ily line. 'J!:a N'-lh' Irtla!II',lia!I C, I;Ia:,a': tl1- [,}1!'erN °:, `J :.h,:k irntsJ 'Jail. Do you assess a Minimum Interest Chame7 Yet. •1 n ith: mr !NTEREr:HARSE A ill L• ass J I_: e,:h Wtut it I fik for a!t rknr[Ag II }.0 •,:e el2de] b t- ,ntu:±:y FIJr:eJn, the :J!rn ur!:>,ton i= t,r irttarr'aiJ ti!li,'g 4 „ 'JJ r ul ',, urrt - .:ut; .,t.0 nt_ r_ ..•T. g %. Jn }•. t ; nJt e° Jt[, try., t ::.:.1. J >•'-• J •_ r'. ]: _[.J ,- 1 ran . •nil w F,yr -I'� .. ^. �JUi - I.•JZing vrh How do you [alu,late the Interest [haroe7 Vve usa , u'%dUJ :,II Ara,ge [•:il:• Eal:n:e :in:.luiing n , Y ld dz :t h' j nt thi F J' tl th..t .w- '-y BILLING RIGHTS SUMMARY :Dues - - P pk is 5!ru?I gU>.i•,r>_<ACw!.�ru.: r,ylf , m ,I J , .ire t.4 th,, g r;n, ,= Jt that JJy. T!• - h t• the ]Jl, ..Jt, „ I,r '.',,h yz -, 11 tau What To Do It You Think You Find A Mistake On Your Statement It y:u dunk fier, m . r,: ull , r F,i] ,JUr pe,iJUS Ir �nT.'s C,Irr.:% il: tUll ::,r it rJUr C•:;ma r:ns [.:J :Jr, :reJit'nr:,utm. net. nun =:� t,rs vhl:.t: l:r:: m,rvn'er�C.ait =n u: yr. U yJm Fu Jr rF%:F,I Fm:hs _e;•r -rlt e :or,JJeJ c m- :ail }• b,lreea ,•iea, e,!eosiJns th,t,rz ,uy,rt to yJiyJ `� the . nl� tahrces. :eFaal ate NW, Ufi;,J ylx A•Rnre[ Ii - At, i,ily t,lnt:,s tJ” -?hel t�t -,Ji T,- Jtr]iid =thesun'ty S, Ez, 3it2e� g g. . gnzuVm' i',h t,kr rity, Lti 1 41 3. Z, the nutrtel JI J,ys in dm Hi ing a dteert]ulx,:h Cillinq �cr.+: c- txn:' irrs)- JU: ha- re, ;h'ng %,stolluws:'ur:'ulep'yy,o: n�;J.n httzr. giro rr trye bl!JCing!ut::retJn: tq tlr,Jyi!y FeriuSl I,t:;ArR J:e]eJ ty'S'U l:,l thaY?x 11r, Ill,) IT110;1791? u Ilh ty the nu!rt,t A J , y , rl the • Arrauntin!u!o, our rtuc'e yn ^,;::.JUN ?nmrt LIIE! j r. i. N'trE: Uue U IJUna,•g JI , rm nuu rrc• . Jt Y. [his :,I:ultJr n ,)• m y h,:r the rnt,r -sty .hJrJe I” "'Inrt h- II- t Jt th F J I ,:tu,.,,... .J. r,.nn: Jl P.t:. . I ,JU dr'rLLh - r. n_: , mill.L�..,. nit,i y ,u t'I •^_;,. Jry rd,.•1y yJu How an my VadaMe Anm!aI Pe¢entaoe Pate (APR) change? )7111 AM rr,y mae,xe m Je;re,se t,e,J ou ,nr of Lelia,. i[ is, n isR,ke. Jn �,., ' d:e bllorrir:g repu!eJ inJl:. =s Saprri n! Y.he h Sheet A,m (,,. T lint 'Ni-I, iii %a is u :! bt Y ,:xuultL You Irk tJl:r t us rithin 5C Jays :m -t the eror,l:(:a'nxi oft ;om A,r a err t:Jtla ,!ea- r.r_'e rt d . rtrna thi• :,rr- - mutt! y' al'RS!. m=r h h. tal ebe. U =t rosy u= r,nytJC -1 J'- r,l'lu' ": art.. l�_I - ,,.A u tJ6•yn. =r - aJ: ,ly tu[il )au Code ne ct to your How do we .Imlate you, APR(s)7 When your APRs) not rqui!eJ n lnr, :ig,e nFy u[rnt,i euur: ,nd Y. IF yhrr. ;u p'y cm ". —t in queabn. live e.9l entity yJu APRs) Index+ rrergin(previously discl osedmyou) n•ilidenge nv xxi;ttil!aC Jyr: al m,t !a: aip u!yJm tv=r. P faire it "14 >t isy'Jl the tPli dais th,t 'ST.1- r::!nz: ?ig,er: ecre �!ru[Vrele h, =C en yn -uot, [he Uilurirq 'e cue: y F% L 3naIM HE:N r n,lgin wd "nt!an., :N;ri!, luly, vn9aL .,.:anitfc ytJ :Jll,:tlh %,Ir: utrt in questmt, ul repot[ eau,: JOIN) {sr:n[nl Nt,t'JOJmtI .u. p nirr%R - - ngin Tetir -r i,y Jl %a:.h - The :h,:geh. gua:tbn n "ay; +Fl,in'a. ya.n IF 'L, n]vr- lr,y:.undl!ua U:t„ tae } ^JU irtt:l,st -n th'J:,n'uu!:t F trrandr P . h F'tillilr JJ. ' -J,ee: ihittskil!r•.;h.J[:•�yd�e yn gu -ttiun ut •n:yinrize ?u: Jther (:eli' b thA nJmtL n,r ..t t- Are tl[en. AddMunat r .. associated with my accT }3s, miler rein :ir:mrstan:%s, y-JU rr:,y L'- "_: %ss%J a ; ila y Jo nu? have b F',; dta zruum in qu=aint mill s:: sa!d T ,,I , noii:.% abut m= uut:nr% ul w1 Lur n r,;mnei rr+1 %-!rt lee. Yu:J n'oy,I;J t* :rsasseJ J,'e:li:rii) %=s 0 Fero i[c:J C• t:r:. li'. re�.r,•> the right C ru: inn: 2,,tun. JU ,re leeFntsiGe l.r the len'�i!de! ...:: I%:[+:' F�IJn[ F! i 'J:ItJIi::,n'.s'.it1:M•i:,ivinJ JU!righ:0 ,%_«:i fY!l,l lee l,hr. N`%'. ln, F' ty• Ilty:,l�F,lJ,n'JJI:i'r' )':U: :I'JNIitrR How on I Avoid Merrd,enhi0 Fees ll v Rene. +g 14:41:e is ytilNeJ un dre hJn[ of tlti. et,mrenL ;�u n',y,rr.J t,KMet 3: J,), !l um re.r:F ^, al Srrul lun%t, r e rill . %nJ y-'u •, xRiten nuC a %x(:I,ining %Mir Ih,?r.2 :nlea -9 thu Frn,g,t nmu,;tr:t[t,r:'Ff -e ty:.nrG tng:JVler aerv,, nJ l'J•ih 4J,-:,It- Idel,•t],ynthztlli'9 _ , }.0 n. d - u'.rtl •thr r- ,•nrvw -•t:l n-- th•hl ..nr.r :yJu :usxt,] ty dtis stet tier[ v r -quest that s:e :' yau: y:::runC Tu ,•niJ F,yiNg .'rancid' nzntelshlF Iae. Your Right, It You Are Dissatisfied With Your Credit Card P— hoses. It Jissn 0iud e.rh the : n_i: at olrcua :ustnt el ;= i:e mp!re n Ieq st bn v:e iIJ >: 5 ,:am4 ,nJ - Wig sUF m ,Kilt' rm n'nMlly 9 y JU yl, J r „ntervhiF 1•e. ` - 'es N'n y;�u her- Fm;hnse ] vith y.,m :rain cnJ, aril y:•u h,vx cia] in d haM U :urea Nx pntl v;ith , s,ln_ r ` the IF er:h y u y hew the :i' hi nut U The nrreinirq nrnnrt Ju% Jr. me h,s T mi= rF. % the H...111 [1r , ..at� ” Y'JU:,N:'r.N,:t:.A,u'et 5.Tc' uqune L. q, l dl,[s.e,lu , y�ar ,::.unrt.At IIbvillg n'u,t to tu g Fry' - Fur:. dirt tire. - 'It - q:laiu,ny aiiitianyl :r - Fs U ,::JUnt J,Ima- t -AI F',; JJnrt i10-1 atlun nli d!I - lines. rle,s- rued[,t it you rrae yJ Ur= Jit:, tJU::. !:�agesasiU;`JUra::uwa'J!rr:�au ,�k u�UJUSe it. sr :gin keep SJm 11 Yvu u'ust hrr.u, -i �JUl:raii[:,tJlJr the Fu::h,aa.PUl:.hv�- >Ir,ie rrM :,sh :Jvnt:eshun'mATM ur virhv au',rdr',nd WTat happens R A.,..r,x is <:,. „rem ti?rr,y aos -m susFenJ ttuni J 'ht to ah'dn ;reJlt '1'i aun'ustnut yethne toy F,i] Ul the i_—hesa. my C >,:Ir ut In J,I1 ,, ::uurttsUry:al J t,i: , rCe l: �urnr Jt It,ll ul thr:rk:liy ybre,r%lret,Idy:•n me still disntlied Ath cite Fm :h,sa. :.nrc,:tny 'n n,y III'', , d tag h!t;' I „aJl _ )'J, , e I' t J! rl, PJ, IV. II Junt is J—d ul su :sled .0 n ua 1, ml; using yJU: _r-St :,d ,nJ ,::aunt D :,n: t A ,[n,n,t. F, yv= 1tG.? 1Je s4. y ,ll:.. -lit - :6InJ,,—ii:h <,_ -,,nd 4; py,0,I—Its yJU U+:e IF. - ten @th:yr:ere_hng%i r'.7. E'Jx +::2� rrtrl cite'.e:uunn:,= [U, %d or wiFzinJ -J. i,h Lake :ity, UT ent 3"-t. Hon• tlo I Mast Pavrttents .A[,ny titre, yJU n - F,y the rriniltvn'r:y)�r. M Ne UGI unruii t,4,rti,, ur any,n'oun[ in trn':rn Payrl- lRinyy to tr,J: -in sNel,l r,ys: rin . r. ane:4j,r. the s,lre lulu. ,FFly o cite lvT,r-.J m'uun[ Jiy:u =aJ fibre. Ah -r r:e finish -11 uu! 7)adiue tp goingv ra:, x.:: .FiP,ImIe.:J:r',rdl: a_,ing nru yo Jur.L n,.ti4A,,IT.,•:; rill yau our Jx: isian . a.th,i pinC if vw Nitu y UCx un an u ,t,ll •; JU 9unut Fey ne,.,y i• - 2:•i?e.. Re- _11- [n'ty Jiylin� 3,,-707 r,dlull the r.Ji:e F!uorti.'W mo,l k• r:rl:ungJU ys Jelilyurnt. F[FFneI,,, g ! y Jn!ry:, Fhnra F,VFr ,t IM'nr_:h auk •; +::e re: puns - s nc -:r, yJU'n,rtude ae c: inai,te an ACH or elr:nuni: Fapreni th,n•.i:! :,Fh,! ar- >trrFJr nNnn',ti.n pir::.y Fna:l:un: s -e Ju! s.asiC- s'xn;.�:pr- 3:me.:urr he J' i;;JL'xr yJm t,nk L: nt. F.- 11lyte s.ItJ1* ni-I yJU, C,nk,::aurN ue soon -sthe 5,,r J'.y- "nil.pinl at,.CIpu is,iai!a!ly!egisrr %i seen: -n=nk nlrigh:s rs ,Ir,i. r:r'J:eY }'JtI c,pl'” C 3r =,iGy Jw rLFk ne w!rtn i.F:tC 3'fi - 71T: anJ eo +;iing yJU! i!;Ln:'ycm: n ulr : epesent;:irr; 4) rrrrt. ty a - 11 shoal] to %ent U the n',ili!tg aiJ;,ss FnsiJ: -] uu tl+e Laub FJrtfan :A this :rt- :r'en[. 11; r�17 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 16 -digit account Please print address or phone number changes above using blue or black ink. number on your check. 500008 / — -- what's I your mallet? It could happen to anyone. Make sure you pay the amount CHRISTOPH A KLEINE 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 Youffre behind BETTER INTEREST RATES by *1 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) C) 2009 Capital One. Capital One h a lyderally regiatrrd sm -irr rnark. All ri ilts resrrm.ed. _ Page 1 of 2 Customer Service italone.com Jan. 26 -Feb. 27, 2012 31 Days in Billing Cycle ;r www.capitalone.com MINIMUM PAYMENT WARNING: It you make only the mini mum payment each period, you I m1i pay more in interest and it WWI take you longer to pay off your balance. For example: i Platinum MasterCard XXXX- XXXX XXXX Payment Amount Each Period If No Appraamate Time to Pay Off Estimated i NEW BALANCE 1 1 : 1 1 t PAY Ni : \? O V ":,. Additional Charges Am Made statement Balance Told Cost 52,073.91 N`..: ?•c ^ `2 Minimum Payment 1 fears 85.207 1 If you would like information about credit counseling services, call 1 -885 -326 -8055. rAy LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date. Credit limit: 53,500.00 Cash Advance Credit limit: 53,500.00 you may have to pay a late fee of up to 835.00 and your APRs may be increased up to the Penalty APR of 29.40 %. Available Credit: 51,426.09 Available Credit for Cash Advances: 51,426.00 i I � Previous Balance Payments and Credits Fee and Inte Char ged Transactions New Balance S2,0 30.53 I 8 _ S0.00 + 543.3 50.00 = 52,073.91 .. ,,. it Help is Available. "Important Notice" Your account was past dire. Under the tents :ve previously disclosed to you, it your account is past due again in the nest 12 billing cycles, your J ust p i ek up the phone Annual Percentage Rates (APRs:• may increase. ( . TRANSACTIONS Call 1 800 - 955 - 6600 and a specially trained agent will PAYMENTS, CREDITS & ADJUSTMENTS FOR CHRISTOPH A KLEINE #6012 be happy to help you check your balance and make payments. FEES Total Fees This Period 50.00 INTEREST CHARGE CALCULATION INTEREST CHARGED Your Annual Percentage Rate (APR) is the annual interest rate on your account. INTEREST CHARGE: CASH ADVANCES 543.33 Annual Percentage Balance Subject to Total Interest This Period 543.33 Type of Balance Rate (APR) Interest Rate Interest Charge ! Purchases 16.15 %P 50.00 50.00 I CashAduances I 24.90 %D I 52,051.44 I 54333 Transact continue on page 2 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.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178052433636012 27 2073910062000127001 CRW Account Number: 5178 -0524- 3363 -6012 Due Date New Balance ':i:s;:n;:, ^.,c::e: t Amount Enclosed Take advantage. Take control. Mar 24, $2,073.91 f r:.;;: J % Manage your account online at www.capitalone.com ...:.,.....,: •Make payments • Review account information • Manage your account in privacy 400006 CHRISTOPH A KLEINE 402 NEALY RD NEW VILLE, PA 17241 -9472 Capital One Bank (USA), N -A. I I II III 11111 111 I 1 I P.O Box 71083 111'11 ' II'll ll ! I 'll IIIIIIlII'I "I II I II 1'11111 Charlotte, NC 28272 -1083 lllllll'lll "It III' 1 1' Illl Illl "II'l'lll'll "IIIIIIII'lltl Please make chedu payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 001 27 H.. wn I Avid Pf,.q Interest Charges? ErJ. I ld, y,,u Vl in Wit, yl, OP. h a When will you Credit My Pay—rit Jays ;Jlh - 49,,eg :h,,3e J ull — 1) pv.h,y,s. ItA—la l,,nAzoil, 5) tFiJA •F,x JI.Ine ,; ,, the Fhe, I� :Itl inh> b,yi,e Fs Ny it bq th, y jx ty 5 F." Er I I, , Aul �;r nt�. � it th, t.yiii— J �y - e ei,e g It Y ilid U, tx"" t illy eld y Full :hs tJ 4 tfo Jl-vges_ 11 y,. hn i t- „, V.,y gy -- a ill I-A rem I, rtu,�It' tnq-s ppli— -,u IL ` I d, n , r , till j, t - h, 1 --, �,.P_ nI �,, J-1c il.th- ai,e .d 7- I.,pi r in x, A TJn ,h- nil iy en lxn:.d t1kli4e I F—i— txL ,",eyy g tys P.rr. i-A it,, e. rle '11— -A, u":I) tuyl' tly, k., I, J klii�d I int, Mw is the hilyinist Charl applied? llltrt Lhji;;�s lun [hr 1; JAR: A Ill' Jute The --ei-I ty UF --.4 'ny I-Abn I, in ,.y Amer l-, , q,irt, u_lit�d ma Jr; the,,. tivlzuari i� PFy-j Jr 3) tint 1L”. I m- tifig W. tin - , I Pea - Pyul,;;,id "i,xv,t Do you P.— Paper Ch,d,, as an flem-ii, Funds Tannslij P eiL- ,Al .- Frssed ill — :,t t- -'rit! it is prili'l 1,11. t his r e� ,-,u n �y �hv;iiy —i it y,,u F the eyidi- 'New I JIM, v.+v, ,, p-nde -, -h-A :,r h= ;, "l-i ton -i ::.y*.r er yju titithwi& r, :m ge:)tFLI uve thc "Jej V, IN p.,Fe, 'g., eit ,! "'j", i"t", n l- 11 nr, tin _- A ,, :,tht; eltilik i-I D,tvliv, It., ) r. INI illy e. !4a ljpt'- i;b,,, t6n t th eut w I Do you assess . Mum rest Charge? Y��. k - INT-ER15T�KAR-"E i wil t, tn�d t. e.:h What it I file far 11-knuotitc it yi. it utlfi&Z I, Nis IF bi mt �tb,l n non t.11141; Fetid YJUT is Ntjejt,, e ri it is IIA an 'n'rplu ey4 j , nriyenj . ,yi,e h Hiss do you Calmlitte the Interest Charted I.Vi ijue -, n Ald - -Aed Avnzj� I'Al" E11111 - :hJ11j; !l )` l3 l,,4ty --tt,xinq a! the E,,ilIl.pty Zt. it yju ,l �%-juf 11 like I, i.-oW t" 't, t,!,nl:,' l yL , 3, . fl, S:,l,-k- '�;, UT �11132 ',225 J jj ill Ile,, Lnn,,tl,nu ." the ,n I,- WNI, I thin 7) tutu i-y BILLING RIGfinS SUMMARY fo Na Apply W Smaif Rtali— A-6, ill :,tdaF 1. th,t iz ;p, rnt -,F ::1 th,,I dny. Th, Ill is TI d I-,, k-.,--h F?g,! eM F, it ;ill What I a Do If You I link You Find A Mistake On Your Statement: It Y. thiml: tIve', k u,I ala, j" ; Fail ;Jul Pei I; Jrld'i vjlhll:e ill tu!l.ji it i It .1-u — — ar ne.lIx-curs 4ii-I1 p=t Rat- n �.ierj li eL U pa-h— a 5pe-id P-h- sI ?nm me ..t J 1Jed b the Ay Lur,Iwrii th,t - 4-.,tjKttu , Nll F. N>r, U fird V-1mi CIA, m, J_ N,!, Ujith?, b; .,_h x�gn unt ,id 2; Jivid- Ehr ty t i t EA k- - _�iPy. ' U T Q41 3r,- llhe,te, JI Joss ii 4,, biliq .At 01, -,ld A e,,J, tilli'L4 - Jelin: i'll your lnte, A CNq ,y t,ll:.-: 1; ! ultiply y Aq 1,11v P.,Nme Jive L'y the IAWM._ i b; tl.e ,i;y luti :ArR Jivded ty lii5) bi tI efr, jid Z) a uIL4:1 the ut, bythii liu!r ti, A d ,Ip ;,I the -A. !AiNjw'j,x, t; I ,,, U , g ,h j,ll,, ,; jt ,l Thil ? Full Ij. KlTE� I'll? t� I U,t,d;rI9 11 1. ill ix, Im'. in _11, F " thii -A-lil • A I!, " �y ". y 1, :sr; I!, J, i 4e "Ah, - .,� LW- y —J . • f —orlon JI rIgbi,rr it T,. th,i' . there IF an e;,- Jg y.,ur tin. ]e = wh it T.ni to ie,z k '.1-3 nj 'Ay ;ju H— can Illy Variable Al P—entree Rate (APR) illstirige? Y-ts, APP na l,,!1 It- J ," zl,le teIiere it is , I, i ut, ke. Di the I :lnD VJnj j inji— 'I z.-Folt, i i ?re VAlfi SP-1 . io -0;. Tu ti!d Y.bi ;h i s _, 1 x yj ,IxiC Y,,: , i P �,,nt_t i, 4 citi, fi" j A',! I!Il - ; 'Fl: neJ Jn 7 A,,te rut Wl, t" h' „,I ut &6s yl%,te. I: ij-, I t tj rive APR!p. 1— :h A th- title t el— Y,iu n . YE .zilyus' "y Fr. ni,I e, ill mi r"v;i YDu if 9y :-,I; uy ,: ivrily in eIe_rl j? 0: -illy, t. Lit R yju i. Cod* next to your Hox• do :e ollaillite your APR(s)7 I,; ,,iy pll-wj,l ,; ,nd j,. n -iy h,,�� t,, yy Tin- ”, —it I,, %V- 011 nnify !,-,u y our When y APR(s) Index + lengill P_i.ugy di.1 ... It to you) v,-IZ'an9e _khm K J JI .7 rr: e!;Fl o f y-,. I N ill - Rare I, i , ill' !Wi.ia d,�y A thmi tining th,t While ve , . N e m U, beet; ,,I �, the bbvAq ve sue: L 3a :,nth J Kiii n end a i I - , I,., AP I , J u l ,., I J ntt IN• 0 '. - Jl le: t du If 9 i.. ,, lrl;art V,x2 u s j. fin 4',nt "i th't ,, —it nre _h,tge 4- f1;z3n i[ vvi All A: 711V Altll e'IL 'a. - n U Lt",4, I- mt-A on th", -;I —it n il' : F 't, a qnn ! ti,sr Jqjl I cu t V. ] - t ill li th.,t sat :it hjr, t, ;,,ythe truixit ill quen �x tryiiI, a: 1 ithe, F_ i �, 21&1 U FDR n "Yin xxlly tilliq V I tee, el,e' U - ,ht w! -it Are F the s te ;•n: d, ,,, h— Vj -,y Thu w Dula Until see F-Rd y:,u , fe -it z n Addili ... I ,, a iodated with illy e—uret? yelr. lxidu, i—i ltal. Pu n • 'y h, Jur Uti ar eymt the flghItnot Y,,., I" the let, ,itdi, --I Y,: , t'! "e. pbl 'OlLe ,d .kdhw ivi,g z- 44har,, s4 = = =, iri't 1j, I" lfflu lol Illy usq;uid 'n —It �PilA Ycw, 'edirlil, x_ flon, .. IA d Mernbership Fee !I , ,1 14:4, phated w, 9,eil,na 1. fiI6 rtjt-tr n, Koh ,y, A rt:ll Pin IrmF, - Al• e;d r,png-'Il "...d I.,, ,ethin x "t,i the .tlithv till i eJ. :.y,le ty NY 51-Aer-it m lq,.enth,z - ; Iz•e rL. x. T. :-,yin? wI uan Iy I, ell It. Nip 1--. - - Jiu -lit,Ia - uet�ti unytir. � b e,luett thit. e J y 14 J - ill rt.� i2myAly 11 ",City Your Right, If You Am Dissatisfied V&h Yoor Gredit Old Purchases. It y n e thA yJu h_ p-h-1 with pur :i�Jit and y,Iu h— tied ill 1,0 t, ;eu N- Vr�tle,, with rte,Aip lee, the I, el-hwit -, y h-ire the ijhl nn 1, F,,y th� -, i,,6j v -ill Ju? ,. the p-h- T,, use Nis the H oil I Cl Mp � YJU -, e L, 'A'--t Y'll, 1,11i,ig nest te twe: fu -1, 11 ,Iy Ad"i-A It-p U - J xe. j"j.di V , y J" Am vnj tin efi,. I� Y—, .. h y,,,. te ih� F-ii—_ P-h— I with �,,Fh J t, I, ATM dl,r il ;,u u--e Y, :,elft -d Jr _hxquy r-, m yr e-_rx -jtz 1 77,, Fk,,y 1, J-, it. : k' - -F J- �heA Th.'T Leitt I, ri,,T 4u AIT"ad 2) 7,U I, "A-t V. 4 h ive tulhi P"d t,,, the � , sheit happens it tiny Aj—u-, IsS."Pegillp tM Ire, I, p?nJ y ::,u,lr;jrd y-, i.jhtt:, tlwn ue:li! I , a - _ tile, " 't: .. —p in it xqu _iadt�, ny it y� Ye nitiliViun. A�Iit Fell, "mit I It t It I rh —t.ld y," - riNji Y -,xit is 'IL -1 7 nest 1i sbF Vill :-lit -111 -111d 21 A -ILTI'll 'Ai- 'kie ,n,'r em:, 31 jlib,y 11 -jit ,dz ,�d -,:len 4) Foy 0 ll ,Li VJ. iier, 9 they P.a F:. K-5 ,fir,, lhu --it — _11 :I- su Jed. - ,ft Lk ., -ity, LIT 13x22 H it. I Make li—ras?.41 Inytill e, T1u 11 ---y ,ylh- ,, ini,run the util N--ta, :x in; x- le 1 e,lty " 7 It, ,A, in in-4,e, the Yrie tulty upply � rh� _fiimr'Aed 1'"j,int ue li-Iii—O Afteol knish voill r,11 JeJn:,ll. At It it V,, thillk y,,u � v, ii ,t and pu Ju rix ivy we ji "U" diliq.iz, ty Ti"D "I d hr 2]i TAL I,,- V.-F,"fia 5-pt," ty ji,lin� 1 �::;55 7 � d the -i�, Wh�,l yi.,, I: k, , rrvlr p"'p, It th, Lyh - ystel% y-,u m [: hlnl- ,,A'ti : ;,,p, -,I ih,t viii 21t 40,; A.:i" pim'-y p:Itex.- xer JU, T, uppJr t- Jttivi:! trw yjw tifK ejilt. Fundy I, lilte itJd:l y tink, ---ra y m. u III F,,re d.y e It "pr4l -u ir !- :Jny iqisrd Ywize L Pll light ,ye,,teJ. P N 111:1 pore .4; 3 ',!1!, ,,J p-ding ylix Ile— Aui r, 1 , el— Ilil; ) Z . — I 1-;�ht hu nter 1 .1 M 4) Nyn el!N ty a it shllIld t o lent the 1. -Aliq ij: F-idej x. t= al thl. s--u x,it E K C I 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 C lip you check to the payment slip. • Be sure to use the payment envelope that came with your Alternate Phone . ....... . ............................................. s tatement. Using a different envelope could delay processing. E-mail 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 Ga Page 2 of 2 0A Jan. 28 • feb. 27, 2012 31 Days in Billing Cycle m J _ Custoer Service 1- 8003 -3637 l www.capitalone.com i CredtLimit: 53,500.00 Platinum MasterCard )D=- XXXX -XXXX -6012 i i AvailableCtedit: S1,426.09 NEW BALANCE ki WI"M PAY r` ?Rff vWn DATE Cash Advance Credit Innit: 53,500.00 i $2,073.91 rc, t;0 ,;per ?Q ;,. 'n ; Available Credit for Cash Advances: 51,426.00 — Previous Balance Payments and Credits Fe and Inter Charged TransaQions New Balance I` S2,073.91 + S43,38 + 52� 030.53 50.00 ( l 50.00 - �% l TRANSACTIONS CONTINUED i TOTALS YEAR TO DATE Total Fees This Year 50.00 Total interest This Year S86. ?8 i i f i r i 1 i i i i 500009 Capital LET'S TALK — WE'RE HERE TO HELP. wharsin your wallet7 Sometimes unexpected expenses keep you from making your credit card CHRISTOPH A KLEINE payments. We understand. At Capital Ones 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. 2 • Mail us the amount due on your statement. PAYMEMTS • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. 9 2009 Capital Chu. Capital One is a federally registered service mark. All rights resemed Page 1 of 1 Customer Service 1.800- 903 -3637 feb. 28 -Mar. 27, 2D12 29 Days in Billing Cyde www.capitalone.com 1111 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you vnll pay more in interest and it will take you longet to pay off your balance. For example: I Platinum MasterCard XXXX- X%XX - XxXX - 6012 Payment Am ount Each Period if No Approndmate Timeto Pay Off Estimated NE BALANCE v1 Cif` :`; T :Z DLi 11 L t" Additional Charges Am Made statement Balance Total Cost $2,115.33 ...1 S•_:.,. ,. er - • Minimum Payment 12 Years $5,203 If you would like information about credit counseling services, call 1 -8 &S- 326 -8055. LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00 and your APRs maybe increased up to R -e �CreditGmit :53,500.00 CashAdvan�CreditWnit :53,SOGAO Penalty APRot29.40 %. Available Credit: 51,384.67 Available Credit for Cash Advances: S 1,334.00 I Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balanc 52,073.91 i - 50.00 + I _ S41.42 + I SO.DO = � 52,115.33 ., .. I (TRANSACTIONS , ' Help is Available. PAYMENTS, CREDITS & ADJUSTMENTS FOR CHRISTOPH A KLEINE #6012 Just pick up the phone FEES Call 1- 800 - 955 -6600 and a specially trained agent will Total Fees This Period 50.00 be happy to help you check your balance and make payments. INTEREST CHARGED INTEREST CHARGE CASH ADVANCES S41.42 Total Interest This Period 541.42 TOTALS YEAR TO DATE INTEREST CHARGE CALCULATION Total Fees This Year 50.00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Interest This Year 5123.20 Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate interest Charge purchase-, 16.15% P 50.00 50.00 Cash Advances I 24.90% D I 52,093.33 I 541.42 P, I,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 5178052433636012 27 2115330062000189007 Account Number: 5178 - 0524- 3363 -6012 Due Date Now Balance fviin: :n :: : : :; > : : : :ca;; Amount Enclosed Take advantage. Take control. - Apr 24, 2012 � $2,115.33 99.- 0. / 1 Manage your account online ( l at www.capitalone.com ,.,:.,.......,. Make payments • Review account information Manage your account in privacy 400006 CHRISTOPH A KLEINE 402 NEALY RD NEW VILLE, PA 17241 -9472 Capital One Bank (USA), N-A 3 I I - I ItIIIIII- I " I l l 'IlII "IIIII IIIIII' Charlotte, -1083 nlllll' III" ulll' Irhllul" Illlh''ll'I'lll'll ^IIIIIIII'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 001 2 Now can I Avid Pv Intru-1: Ctm.,7 E,_u, ,t roth yjr, p a y yu-n 'Nm in lull yU, wit It j Whenwillyou Credit hilyllairrhint i i ninmr g? PaiUJ A 2 .5 d,r_ ;.it ni 49--9 :h•,4za it, Al .— 1) px_hi. W,, 3) y(:eJi; Fit ,,Ihn- j; u,, lh- ihu a Sl T".tuihaFF illy 1s Milt- Je III p.n. ET. P-h., I ld 4) Ud,n ch.vgrs. 0 y,U Nine tr,n prying ru, -Urnit it lull Will ri .,j 'T'. Fit . ,ile I p'p, tnts. U4 it the tuyi Jry it's bq 1) 7,U stud V, tAtin it thli :b n A I:,, yam il ea tin l. h P.lzd rh,,irz vill t? macRd. Ih,rx 6 Vudbl - -h A-r-y, e,rr ,d yiu, J, k in the er I—d -6a.- I, "ll 2) 5""! V "'t ,A b i—i-I I,, Une A "r, tlr..,ril- [w U; jil urry i-1--alin Y.thea,ii III iv 'n .-d lt,lxz hill , P-bu. till. .1 Pryzl:'g �Krrzlz t7 P- U , "I flu . fl? 11U, ,i M liizir- im4 tir nA d- fl 1,141zod tantz How is the lM&ajL_QIM applied? hit-ut :h,iguy hill the 11 drt: A the tlxu,r,Virr, rlie ; fired tyu= I—Iji'l " I,, ..y itrI ly r_TtUl � ittht ,, th�. U-:n i4 ii —Fled it 37 tiz" d,, it thra bill period. hir—t :mrqez , :!me in rar-iy uripil ,riiutit Do you Promss Paper checks as an Elearonic runds 7mnsfer? P,,,m mmilli: sill to in in- ull TY pi Uu; 'g"V th� el rJT1lJI L4 Plidin lull. this A A V.,u El t in, u Ulm, _Vw t%th-n l;U. _h -_k U; lh� H.i"! Ain Tin iva -, P;.F.' ro"., yia ralufl,� uiri, iUl th- tin I t it u ;i. n y U- irr� e.i P rit ii I'l tlh� w1bui II Illh. LiPil illn-i! :h,qlz - U lri� l,�, zg ."uF 1O."u rt it u U, 14, -, A,11 ulnr�n,n U, ih�; mol� ivUH: 1-d nnzl�, hill 7, J P,�il n 'u, ly Hiu_' it ,r3. --arith, U �hfkVuttJU,,. runit -eyviurn _h �1: A INT E _RA dt,:h What ififil, far Benignant, itit—Ai", 4 th U P e,kmg .qh j yju, UI U,fly. Riz ,,I u.l A �rplu 'In U duu:u J'i". 1-i nut 'a— v y a = i,� - - ur a UU, n'ta"Pt r, s H— do .. C he Interest Chrutal W use t -hil *.,Il?d A]� " 'T" F'i"r, :inJuf-,lq r Y'up ni,my , IN Nnou::ty C,ur, 11 yiu U . .. .. X� _uIj lib tj u , - � - :,UF1'-. Ckr� - r� ej.� E5 l.,kw ' I a"'z 'Iz rh y J. Sg" e", 1, t' lt.� t-jN.Tl;rr�, Iy, I!' �.413.. —, ti = iii yiut JJ tU, �-, ,it, '14 th- , pit UJi: irrvzt, hitg- it, thr Jiff :lIviz,. then ) tutli.a ,-y WILLING RIGHTS SUMMARY pqrir, ind - diizt: , , that mty,t,,z U th,,T d;,r. rh-t gri-,-nI.Hu—,r;,itpu What 1. Diliff You Itrik You Find Mistake On Your Statement: It yu think there iy , iu, ,,ij ;,. I r Urrh'z L,Ihn_-ill tuill:i! it pry t l,nza viy -U U, it -1 ::arm. lim-Dirli �V:ulu V.1hid'. Piz, irtLiralrul,',VIft- Tit n: ,T. r, y, - Put _h, vi� . sFedd t,jy- F�,a it, n- i.t d j-d U th? ; 17 t,Ilin_ 4vj, 1, on-t- Th't '. 1 i,*_t ri ;I" -, -:W u:6 ,,Z 0:10 . rho J.AV N. .,t. to Ill 1 7 ra Au. it, F km�: 1; "1 1h, J-lily t'h! 1_- y ugulva, ti; w -It Fzgu rnt -,rd dmidli tha suu by P.D. F. !l= ih- nuut, A J, yy IN th.e ti fin 5 - V, L , k r 7 1 py. It. T _ i 3 : :2--:5 - A! rt.- if _h U Ii,q 1t. r? Tu, Interest Ch,,, lifl:• 1) it U160Y Y'ru A—, ;jt 1%.0" Nx J, ,- I-IT, g: +; -us the tA1'4.i hb, n A t'; V, ,-,I; y v blic "t, VR Jkidd bit 355; bi th.jt yzap lorit, a n d D it YUP17 Mz result ty the it Urt te; - it J, Y1- In the t;tIrl3 Pz,;Dd. N,TE: flu- ti,iunduig iiin, u:; theln 11 Th- 1,11,, xi Dora - Th, -n U!. • D dydi; A Pot!" 1. y-,u th'i" thee iy it eui; in x fig, d,F:k.e rh ll you taliese iy caUrg -,,,I H— lian my Variable A,,Pl Pgnierrtang Rate (APR) d-9.7 Y:'u, AM r ,y u,'. it ,l J4 t- I in one t- Iii- ft uju iA,k it ifr- till , inji— .;opifl� in 7. 1 VAdl SP-1 Tj find V.hih ul, ivi-, J,, yuu, YUu it urt - .iutl:l ui vzzlhin 5:. J,,5 ft?t rr� ,I:p, 1 in -rrL i klij -, ii, im it t; ,-t J rhis vg.:nA to r-i Al"Kil. Th%n _hiA 1 .1- Uti- bdi. YUu n ritwOritily uz it ny Pivivi'l � Z It, Y ': ,y �-Al riz U, iridliruz -1?�rl,uk Aly, Nt a pub Code rterlt to your APIW when Y. wt,?Auiv�d t, hi-stlu.'It rly pil-Will rmmz 1 ,:,J 3r,:, u i,y lh� tU P cuo ,it Uunt I,, Wim rill nxi:y yUu Apa(s) Hurx do — .[.lot, you luAlilts I, ithq .fth4 it !��PiFt it yiur �M-!. Ind.. nvi (p—irr.sly di d—d W you) •ill dl.n9a 3 n NO .- ltt� it . ;;h 1h, lhrt dry Ut tha t 14,g J; th't Wile iiligt. W1,ethur it nit tiller � h o tm �,ii � i ru i, the tUEUVAng ut ri, ta: L 119h UER n , gi,r salldir,.; F�n - Th� - F. •P_ F, .3n T, jj,yr J.1yij �j�h it -h , 'r Y, if. qu- _ I -,- -,in x. "ri uf AA- , ,it ..d rte n _-4t in th'! " U ut Eat ii ryftee-iti; tri UKirt it i yn "ahly L; III I rl"rhry Milt- it ]e ---------- - __ I— ti thA :,it rt Are the, t,! driNfi—I Fog. —ardlite.d w ith my .—"7 YzS uu�-, I,in :i' wl � Fu u 'y ta d yuij Ji L ,Ui tr,�, U V�y qi� Un j."A I'! Ust;,ur rillil ., Find Y. fia toot V., iur�x, it Uw -,tl x P" -,irr �, a I, � ia y-ju ---pniritt, l", [h- ren A YUyaw :,,,_e_ "urnitj F -YUu-, 'i it uz- l-tz ,.dUut piiUTL ,d 6thriul rur ii,hrtri --ii5s u -I,, ha, r ""ply ,ly ,� u,,d ,, irma Anzl yiur :,,Jflw 0- 11—ainIA-idirrienibarshipNe V,yiq tuA . "i I !re ty -tri itiq :.rung in vite iv 1! - thwi 45 J.,- „ ,ftir d,- I �t j U; t t th� ; !!I r; :.YJ thl y i it t., try 'P j ith illi j iJv Lu sts, �, Lr ilm � ti ��t thA ., J�qio you, - -ti ,Id - razzing Y-, it ill Your Ri n, Dissatisfied Wah Your Orrick Card Purd— it y u it, Jiiirbyl kl . x n hts If Y A Fu; -if ---it i,eli d, ,,.d ylu h— liird a ,d p I,ith t, the Anti --u with 'i � th it yiu h. -hu I %ith , t th� it �rj.,,rt ;U, v -,, th— rh� djhT rit I, p rh� �ku,,I Ur, ,. ,ant J x. I* Fur.1—. T, thic d^ th:a Nuw 11 rin', Mit Aiu YUU �Jlrt-ja 'u.-titr -f 11711” � t. liq-A 11"t J ), �Ii-alk lill-ing must t,- t tiu -: it" A[ Ur With a I'lia, z u r,it h— .— — ""I it , Uu — ).'s :,ndh �,,d it 7h,,;I�y • P,it. yiu, At-, yi. U ::: it, - �t -1 _.. u'ufUV,n. �tk Ih,t 7 - -dir .-,rd u b it. and -*) What happens it We it jV �Iiyl: Ur -pirrd yju, —rutir �rid yjui right li UtIrin u I , 0—uAnit y A I-, tully P I., th- A 'rij thr � rd li y -dr, 9 yu n, nil in JA,.tL k_t Pru � � ITtill .1 t111 11 11 A the uh,i, 'b'd ,t "'d Y:., still .ith the v I,, "iti", P 7'u, _'Urt is 7,u it zt it zUP put _rz:k .,d nj —iii"t II ',It,! On- Uiad I- , ,,J 4i , O P.. Flut K2 �5 ilirjl _ °413" "2E5 _ H. P'id U, "r; 'u Uun, in L�Ihvlw, 1 "iti it I tt je in 40 -IF %Vlhfl� - I,rza5j3,,t-. th� Y.,., � utloc upply It, the :11-prd -,11 wit 1iF:uzyzJ iitti Aftir, - lil,i. Uu, It 'hilh. ty gihg tU yi.. P in—ligli-, Jj e ji , ,Jfl t-11 �,-,u Uu, JnFix,_ A[ thu Uiw, it - LI y,r, Uu,,t and 5"1, dirUlt i 'y _F _,� SFzt 1 �,ij IUII.v,j th- y,u it Azt n q-it, V Uri- h " , t ;,,, e,i,tIe,uU U A,- V:rt�, yi, Utn,u;, rat inli'l 1;" iii —yP—ti— F-e U., _tFir, rt ptlx'- ,5" .j Purr 7,ur II ft. Frady " "y 41 " pu, t"'t - _Uunt S z-, th dy 2 .11 "pini a I'l Or r, iF :vajta! A 7 gi5L-, d ye, v •lur Ad I jftu 1. V Y'll Pit) -C , i i , g Uu, V. I-Izhina -, tr, 1 p-i1n; yu. 4e;un lC it ii iur i eIUrlj e N), ty a A thiuld , iw tyua iU th ri -Avl y 'A :,zti: F.urbn A this mr,' E T F! 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 ................... ....................................................................... . lease 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. MAKE A PAYMENT. AND TAKE CONTROL SD00,0 Capital what's in your wallet? OF YOUR CREDIT WITH CAPITAL ONE? ' Your account is temporarily unusable. The good news is, by paying the CHRISTOPH A KLEINE 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. Cs1 2009 Capital One. Capital One is a federally reo stered service mark. All nghrr reserved .., Pagel of 2 Customer Service 1.800.903.3637 Mar. 28 -Apr. 27, 2012 31 Days in Billing Cycle ' 3G www.capitalone.com MINIMUM PAYMENT WARNING: It you make only the minimum payment each period, you Wit pay more in interest and it will [aV..e you longer to pay off your balance. For example: Platinum MasterCard xxxx- )OOa -xxxx -6012 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE .. • .� „A� �• t DA Additional Charges A Made Statement Balance Total cost e3.cSie�. , VU4 . >a•;:. 1. re $2,160.53 ay ;,n 2 61Z Minimum Payment 12'fears 857202 I If you would like information about credit counseling services, call 1 -888 -326 -8055. I ::rs :<tv;ttr LATE PAYMENT WARNING: If we do not receive your minimum Payment by your due date, i Credit limit: S3,500.00 Cash Advance Credit tirnit: 53,SOO.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 29.40 %. Available Credit: 51,339.47 available Credit for Cash Advances: S1,339.CC i Previous Balance Payments and Credits Fee and Inter Charged Transacti New Balance 52,115.33 i — 50.00 f _545.20 i + S0.00 J = 52160.53 l ..... -. .... . ....... .. - j Help is Available. I Renewal Notice - Both sides of this page provide important information about your � Just p i ek u p the phone . rata(S) and how your interest charge is calculated, TRANSACTIONS Call 1 - 800 - 955 - 6600 and a specially trained agent will PAYMENTS, CREDITS &ADJUSTMENTS FOR CHRJSTOPH A KLEINE #6012 be happy to help you check your balance and make payments. FEES Total Fees This Period 50.0o INTEREST CHARGE CALCULATION INTEREST CHARGED Your Annual Percentage Rate (APR) is the annual interest rate on your account. INTEREST CHARGE:CASH AMOAACES S45.20 Annual Percentage Balance Subject to Total Interest This Period 545.20 Type of Balance Rate (APR) Interest Rate Interest Charge i Purchases I 16.15%P 50.00 SO.CC Cash Advances 24.90 %D 52 54520 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 5178052433636012 27 2160530062000255005 COW Account Number: 5178 -0524- 3363 -6012 Due Date New Balance Amount Enclosed Take advantage. Take control. May 24, 2012 $2,160.53 Manage your account online at www.capitalone.com N I ti::{ ............... •Make payments • Review aLCOunt information • Manage your account in privacy 400006 CHRISTOPH A KLEINE 402 NEALY RD NEW ILLE, PA 17241 -9472 Capital One Bank (USA), N•A- IIIIf - 11'II I - 11 ,- F I II 1111 I' 11'11 Charlotte, 1 NC 3 28272 -1083 III III I' III" 11 II 11 "II III "11' "11111 h I'IHI Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. om 2 Now r,an I Avoid Pai,inu Interest Charar,57 Ejh it .,th V,. Fly ,Jul "Klm in lull. p, will h,v' I When will you cre My PaIntrient nr n them. g, F iu,j :1, .5 ],y ;.iTh n,, i,,T4 _hI,p an ill 1— 1) Fhrv. tr Y, 3) ypij IT Fx it J; _ th Vh-to. Is ut rhr tusir J,y iL liq Ix th-y it i 11 by i F.". ET • ,!,J 41 :-th'er 11 :hlg 11 pu h- ltem py ;; !" --it in I'll with I. i"t-4t -h-agio% 0 . pu F it it lilrd Flyri rar. 14 ,1 th, troh,-z ] ;ive it 15 �ng 1) p., stnd I, lb,tuo pl.r at thin Ja 1 1:.,-; pi, bill h. tuIF ii _hq ,•s JIto, mere ud. �,, is - j, Vu,lA ,n �Iyh -jJ p . q I, InI p., J.i k it rh, —1," znt i 'i ,.i A ,I, .I whia I I wrte.-i'l R"i0— w xi 1, Iyyj iw ue 'Ilzr, th 'iml:7" tuys -4 - Ily- I:., n it =Iivly. M-iiied pi, zart, ".w is the , rd— "raj tit st Taros applie � ! Mt�t ;hli;liri u, h,ro the 1; dint A th- jiti the -zai—I by F I 'try :It .' 1�: 'turl 3, 1" y Air t-F it 'y rl�t t- o I rh� 1,7 — thztt, . Wj rzUo11 V P `F 3) lira me dly D1 � tiliffly p. r,miu it. lyl :h,,g -v I:: .,I 1A.1 .,I re-y -1: 11, ,liot Do you Process Paper Cheds as an Elemonic Funds 7ornsfer? urriu rill t Vs,aJ III ItTir of I= .1 ill K 1, 1, 1; This I, =ln: you (I it*; ,lrs 1 T p. Ply the ,nrif, 'Nm it jirth. w,yw Wh-tr pit Tde , 'hKk L'F :tI Wort ITDII M it lku I ;:-.yrr roort. yjij ujthcrrtr- in D, our ,gad= U Ithm hil did nDr v ?,I thl I �o� lk, _- A-H rrlrJj,,i xh-: 0- V,,,k jJ ir,rAmr, 1,,ru p,p J�p� I* pip, ;;,p 'IT ji ""ji A""'It. "t I it; it, irr'itiira 16li On t,, th- pp ,d '.h- - _kt Do you assess a Minimum IT _RA I enest Cht;MO �v A rinh, - INT REST - R_ , wi.11 � -vy�d I:, �,:h Whit if I file for B-Icturitot? I ' t y. I, ,rib,pt y pAu-lun. this :Dlr I UnLlth'] " tit i"t-I iliun tiflfin3 pii� put �:.jreo. i� �utj�j tj ..it hj�.�r �hrl, Lilly. 3 r IX .- �! LI �yv :ii . d�tt :i! �Iio . Di mitirm, . pp �rtz v1-iblit ipAcitg wnth Hondo you liz� 1 11 4rQJ :A�J A•elDs 11,ily FIII, :in.WJm;; oar; P" tv,L,-jl,Tyl1,my n the E,nr:,jpty ,:L 11 yj... ur plif fiki t. DU! Wdu, this *rst px d y t, �'J. 1I rit- Thp t�1* t'I'm, Slfttlik, '.it,, L41K,',2:S liiJ Zh� pi:r:Ii, _hn;j- in Ihzr p uiiv lly', than ) uItIr—t il,y BIUIM RIGH75 SUMMARY :Dues Am Aupil• to Si;uil 3.i s Au: , or I I die 't., that etp " rL 'IF :; th't Jy. Th, tro sutt is me Jily tIt, I., I it ,,:h F-gtr ;rT_ H . 11 p u What 1'u 00 If You I III nk You Find A Mistake On Your StaternerrIt: It y-ju mink [hoe iF -,it it I or mn par 1� I �ij yiur I wNh's L lit lufl.,I: it wri, C ,Im - w,r ,ID v, a At, uriM. I— Tr "viciry whi;li I:- vt,taoo t "l. lit r, us ,r. t,r y,. V.,--h— , r ut sp Ji I F h jyi yqn ?,ILI gin- ;,,,r Jj-] t th il bit Ai :;. ii I,,i nit i t t,, rj:jej`,rth,,1.1ytlI . l,. Nt-ul, Windyri, A_j, [NilyEilzi,za: 1 to zoi4h np ant rid . jt%tij.. (it ty, E.3_2155 I, UT z41 X,:�2Ei the riwrl`-i the 1:111irg Sititiler I 1,. yiv- it, lh- tAiwiiq in tit, Air, t7z It- AIR jiad by 34 E4 1,,, 111! vit ill 'I ultiply thiu I eYult by thou It tv It J, y, in the - k-, it 0. it ,*io I 'm - i'll -,: -ziunt ".I tv. .1 lit i4 p. i J. Nt) rL! V, t, llrein.lig it -. i lit it, in ; rtirz J, " 4i. tjhis tithrol,it!; it 4 "y 1, ., thrio lirt- , q.11IF g, DA it , I oqr, I tv tAI d ,t thie FIFF , . td er ,3j ill, iw ;6,in it Plat!—r,— It p. 3,01" thi, i is o ,u till. Jr 1 It it yj. ',fi= k ng a nd why , j How wn my V ariable Amr.al Pementane Rate (APR) c hange? Y-.1A it IR ly J, - x, t1 am, it Ii— it ii ai th- blowing ;td IdLia- 4; 7n, I%II Sir-if ti; tird which lid, is ly yiu, %-xiL Y"j r,jA tI_t Ui within I," JY' i"', :in ysn , , cu ir,IL !:I,, - I', I; "d :r1l this fritir air, Iixt1i yju; PPR:4). Ili ad jh,AtjY rilb;• bel.,•, Y " riut Oy Iv -4 y Vr,!W u_ it, -1i3R; YD!, I! 'y ;I; uy . ii:rxilly , Oi:nrkllly, but 9 p. i,- Code next to your Now do we usluilate your APR(s)? Wlenyour APR(s) ;Ill. I Ti "'i - Tips xly A an rx -, r,J p. I, I hln� r,, ply the -,r —it I,, l.Tj will nXil.y. y" APRs) onargir, (FIn-i—aly disclosed W youl , irg whin K 7,y ,t i.; A . lint. Ind.. . I win 'oringe I I -pe m ai n I p6W. Ont 1 -11, bE ng U roIj lit l".. 461, J rid at. - 'Nie viii.l.tryi �ill-J tlr � .I 4-e- �' IPT "It ii� AI' 4 J i,"It "I Chit "I r= L 33 " I—irt IT-i"ll J t , ..'a i.. , - Ria it R_ .34, 1 III bLIL P. it 1 dill - Ir- I Je It jqlke, put will vit h ji�-, !, I, I thi lit in q urairl; xi ji irty hit, I, ol x F offi U F."'I orig; ,' 1, eF l- J to tht ,, —it. Am. theme "dhi ... I f—, assadaled with my aoinnt? Yeu, otrdu, J irlit—, yuu I, ly L., I - 1,%%!- ;it, d:, ern h V:; ply th- o ,ti III 1-16o laill - yl!.j Y:. I:;r , tau! IT." autarra A our j lee. Yu iy I te Ove;lin in =- s It p,rr it by I. the ;ght t, ;r,rz p, - —pi-ti- 1,, lh- e,, Iujio, A Y _uT, or ripit v. piiAL� III .rith:nit i,t yy' sy; ri,il.. l'y u,.F,lj ,, —It piir :,kj, Ill, l How was I Avoid Menfl-,hili Fees ;I i Rr N:qj:, is pi,ij a th? 1-a u1 thls strerrian', p-, o ,y rr, r � ti; ;li it' " will s -id pu eN:lj;n;irg Oil. --inziad th, en,r Pip; 'n " In!"I I, ,, :I �� ty ',AL.,t . I ii�- I - th- 4 5 J - Itar t h, IAA jy lit tht t jlir� 9- y" 1�1 tlimirl tril put Tr 11 pyn� I I .nth) ly -ilbir,ythi I� _z i-e, �Tlln?nn �! tlru In' bi'l , l:, I - A m,: m,: by th. Ft t, request thil - J� Tjii ,:::,colt ind w rill ll ,try tw j;.*q yju, (I irtt,ly You, Fight, Of You Ar Dissatisfied h Your Greli, card Purchases. it 7ju — lisyiiixtiad with Thu gIs it 11 ir"thip ri�zas thit pu h— piti- I with plt III y,u h tiieJ in gad likh I, ir—t t, path" with How on r: -V --7 YjU irt ZuAj-; ii.e irrth th't th- it t.In� y,, it y h— I* Fight i,ft I, ply th, i,: ot Iiii ,. m- T,r this rip, the it. I'll-ity It risl to It . IT to e li'll ? 'try 111 11 --it J?, rdiidilr� py j ".." 11-I 2 l"MiZ, na, 1) Y - th— r.-I -p,,, :,-dk �Iid 1,. th� Vu,h_ Ph n , J� with -,-h Jr- t-, I,, ATM :I, with i rm- te thit it yju — put ustdit d I : hl,g-y R-wt t y-jur I,,—it Ittir yu ,Au= w Ju4. it, wt, :,ri L-rmp yju, 'pn. What n — he 5f��! Wi I y J zi, 7-d put -au'rr "ril pm light I-., :,tlln ur,J iu I ur�i ,;t yi h— Jolly piJ bi th- ur.h. t i� It i , ( 11 1 Lit. me It;- — , it .,I p u — izfi! :St;s,1j with 1h, ,,t in :14-1t. A—unt Pit l ent . tit P. xy. I wt rd t:,, lily -I or - is J-1 x, rIr 11- Tu it Uyl I I ytx using p C'Pit.ii] one Fly" T;1,1, 1) J_-ytr:.y .111 dit "Is lid rry : he;b. InJ 4) Fly in ,,I iti 7,. ,4, it thiy JxpA K2 t 5 -;; -l-,1 :n r.sPrerl�j. i"ll Lit, - ily. H_ do I Make Itissinerits? At -,try r4ri, pu I-•" puythron hinr un pyr, a,r Lh- uvjl -pi-I vany,onmt 'ij it flyri zentst 41:t'. it, [,I ill -y,-. liJp t�. th im -,Vply t,, Thro li�pit,.J At,-, liniuh .,,I y tp pra on- trupp"tl ob I' to 11,11, pur tint ool, Foils 11 lyte wbhd:,wn 1 . 1.. 'zo. put b."'Ir ly I— F U - dry All dah;i 2ZI 1 "ni. Oo� ;F , tiji!Ay Ji�vt,-d twe'vi,'. o"k J. ro,c Dm nurrtel 1= :a- ?ii -7.7; ,nJ I, r,rvi fhi3 put ,titan: - Tj ,r b aul I r1;. illti by., it is,,l b, the I. lrng d J: p : -AdA a. me Ire pilitt n thl f T1 Changing Address? Not quite ready to make payments online? Address ............................................................................................ No problem. Follow these simple steps to make sure ......................... .................... I ......................................... w e process your payments smoothly: Home Phone ................... . ............. 7 ........................................... * ....... Don't staple or paper clip your check to the payment slip. * Be sure to use the payment envelope that came with your Alternate ................... . .... ................................................................. 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 5-digit account Please print address or phone number ch a n9es above usin bl ue 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 �.; Page 2 of 2 _ customer Service 1-800-903-3637 Mar. 28 - Apr. 27, 2012 31 Days in Billing Cycle ' 1 WWW.Capitalone.com -- - Credit limit: 53,500.00 Platinum MasterCard )0=- XXXX -XXXX -6012 Available Credit: 51,339.47 i NEW BALANCE ..3R'eo .• ZM' P Y'�' IVIT .DiUn. WNIT ° i Cash Advance Credit Limit: 53,500.00 j i $2,160.53 i ^,Z' 2 4, 2s ":2 ! Available Credit for Cash Advances: 51,339,00 Previous Balance Payments and Credits Fe and Inter Ch arged Transactions New Balance S2 ,115.33 — 50.00 + 545.20 ) S� D.00 — 52,160.53 i J �% '� j (TRANSACTIONS CONTINUED TOTALS YEAR TO DATE i Total Pees This Year 50.00 Total interest This ' iear 5173.40 i I I � — i i i ' TAKE CONTROL OF YOUR CAPITAL ONE® soon„ C— p 1 ACCOUNT AND KEEP IT FROM BEING what's in your waliet7 PERMANENTLY UNUSABLE. CHRISTOPH A KLEINE 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. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. C) 2009 Capital One. Capital One is o f dually ngiIteeed snvicc mark. All riglyn- rernved. _ Page 1 of 2 C. w 4 Customer Service 1.800.403 -3637 Apr. 28 -May. 27, 2012 30 Days in Billing Cycle sq[ www.capitalone.com MINIMUM PAYMENT WARNING: It you make only the minimum payment each period, you I will paV me in interest and it will take you longer to pay off your balance. For example: Platinum MasterCard XXM- XXKX•XXXX -6012 Payment Amount Each Period If No Approtdmate Time to Pay OR Estimated NEW BALANCE ., s..i:' $' ;iii' „L3;• Additional Charges Are Made statement Balance Total curt j $2,230.22 "im, 24, S Minimum PaVnent 12 Years $558 If you would like information about credit counseling services, call 1- 888 - 326 -8055. LATE PAYMENT WARNING: If w- do not receive your minimum payment by your due date, i Credal limit: 53,500.00 Cash Advance Credit Limit: 53,500.00 you my have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40 %. Available Credit: 51,269.78 Available Credit for Cash Advances: 51.269. 78 Previous Balance Payments and Credits Fees and Interest Charged Transactions ( New Balance S2,1 60.53 _ 50.00 + _ 5 69.69 , i- I 50.00 = 52,2 . ,.., .1 ',.::. .,.. -.... ........... ........ .- ....., y Help is Available. f TRANSACTIONS ! PAYMENTS, CREDITS & ADJUSTMENTS FOR CHRISTOPH A KLEINE #6012 Just pick up the phone Call 1- 800- 955 -6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 25 MAY PAST DUE FEE 525.00 Total Fees This Period 525.00 INTEREST CHARGED —" INTEREST CHARGE:PURCHASES 60.03 INTEREST CHARGE CALCULATION INTEREST CHARGE:CASH AD1'ANCES 544.66 Total Interest This Period 544.69 Your Annual Percentage Rate (APR) is the annual interest rate on your aeeourn. TOTALS YEAR TO DATE Type of Balance Annual Percentage Balance Subject to Interest Charge Total Fees This Year 525.00 - -- Rate (APR) Interest Rate '; total interest This Year 5218.09 Purchase; I 1615% P 52.50 50.03 Cash Advances 24.90 %D S2 544.66 Transactions continue on page 2 P,t,D,F - Variable Rate. See reverse of page 1 for details i PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178052433636012 27 2230220062000346000 ca w Account Number: 5178 -0524- 3363 -6012 Due Date N ew Balencc :.•1E;:i;;:tr;;: P.;;• ; ;:;•.;;t Amount Enclosed Take advantage. Take control. tun 2A, 2012 ' $2,230.22 I :.:t Manage your account online �� at www.capitalone.com • Make payments • Review account information • Manage your account in privacy 400006 CHRISTOPH A KLEINE 402 NEALY RD NEW VILLE, PA 17241 -9472 Capital One Bank (USA), N -A- L L; r,l rll I Jlrr 111 r, I r J Ilr I r rl,r 1 P.O. Box 71083 IIII I I I I I 1111'11 I I I 11 11 I Ill Charlotte, NC 28272 -1083 Illllll lurrnlllrllhllnl rllulrrllIrlllrllrrllllllllrinl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. om Mo. wn I Aoid Pitying W-It CITIMW P, _h I .?,h yn py yu. "Tim in lull, pu rill h.,,,- When.il I you fnditMLPURni litin X.- pnnj it. �5 J", uth - illiul �h,,gze it 11 . 1) p,,.hF. VIT14?1y, 31r I Fit Ikle it ` 711 Me Vhie I� Otth" tu�l'F J�Y ei" it Iy bllj -it 'de ty5 ET. F-h-, !,1 4) J,,ys. 11 ylu h-1 teen pV'14 Viin -i-It in I-A lith Ili iW! I -st Jlllps IF Fli-d an yi. • `,, u ,i I% d pp, Ill, , Is it th- I I - "',h, itt � bng I. I l 7 ll,e t'llin paill, it thi, di vit y- nial bill it tull. ri"11,J i.--s! *h,,;py .fll !:� s_-J. rhr,a p, Fetid it :Iuh s,P ell lI p", _1, it thze zert.liy j -, ill't- put pyl, -m is zekrzeJ ill ,.ie it u, Fp'i'l le"isiza'T :11 it "'y Iihwoathier� k In ulpd It,! ��! :Y5 p, li-i ill -� rl� y, for u M,R!dp znu It- is the Interest Charlie applied? Ttt-4, Lhll;i•s hurl th, 1; J-Az: It the 2) Jrie Na by.F at inyid"zo. 1-li I, i,� it 'y n'tt, uLdiTa.1 s ltln, 1,; ,i,- then. I tb; mzn is P-cial " B) fill jiy It lhe tillirg pd,I li,,W h,,3iay ,uze ill awry ull;:-,il 11, Do you P.- lithilotir Ch,dl, its an Electronic: Funds 7-fitif? Nyl, s , h v i I - ii , � it. I UW it is pid ill lull. Th t h I 171. py th b,, '14- in, I, i!M, -yv Nhuel ;,u Fu , At I _hKk it ,he -_I, i•litt yIin Ji 10,, j ::1. pu IlW'.. gi w tlia but 7 Ili( ill th i rta JIIJEe, ii tr. Flip, 4-gl ean'. it TjuF k - ,nt 4.fllt mim. tj 11 , j tier z <11 it ithiwt ha lu,;J hii yul nol� - 'eivill- ilfleittt A.'apie A nytvr.. Isi up t1i a0,, tu p,, the IF,,,! ent v I hlet 00 you assess a Minimm Tint Interest �Cha e? yioy. A n inill It, INTEREST - KAR- - E of rill to lumaya-d Ill e,:h Wh if I file for Bit.1crumSy it y- t. Nfi;.4 put Z.ut6F , utzettl ;. irf-stmvp , -ii-. this - -tt L�tbt IF tl! lbn illy. it 1- lit Ili X?" Pt U Jet( . J,il . Di l-f, Y=nd UY py" .liallut sp,lilg rith Note do you calming the interest Charge? 15`.: ijy• -1 11 Ahil :111t7 A*Ije P,ity feiiNt', :in.lu:Tq I— )"ll tItIiuWr,, , the FIlituFLY It y,-1:,t 71.1 Itt_-y -u:I Fk7i t. Illiut,Ly JLil s thdio, Nis , ethld. � lit,,i yju; Jily :,lIn:-; ti, -1. tl-L V Pk It, rl? "F- "'n't Dl�!e - TO E-il • B. - 5.ft t•,k: '4y. UT 'tj JJ it- t- U-11-AIns I'Zi 111 Pze,iiJ h,ta p in thze "'Y's th," ; su"n y INUING RIGHTS SUMMARY - DOM Nv- A—tI l uxodity ill th sty- jr, vy if thit Jry rhza f?4-,h is tihh, d,ilry nlo,le t, h g r Hi-;, it pit What To 0. if You Think You find A Mi,t.ke On Your Statement. It you thilk th j• ,It en it, y FIJI )"u, F-ims "Ind's L'I"n. it t out 'I D J, I ml1uLV.fltuti. "Jt ,, iuim. I'm . _tJ . U put F-h- , spate -,I ru.-t-Z! viop �n� "? rot ;ly A6lj_r,-a;jII, flm- utjzeatl The W-4, it fiNd put Al,,Ig� [,it EA ii: 1; "d the dlily lig,!1ir, lit �,Jft c�;jl emtL Id 2 di ij:a th, by P.O. E. 3= iiJr -4 y .:_5 tiNin pl; Id. NOTE: D. t, it -, : ill it, & i nt:w,:e st, - ,h,, ap, th is ;trin it 'y tnyll'rr t in",in Jl,; H.. - irny Viriiiiiii, A-W P-miulli III (APR) d,.nW? N APR 11 7 n je in wle tell- it i t ' Ile , ` t, s� I it thzatilli'A"j iepit�,j "lapitefi! The 1�4,11 St reet Tulind .ili�h ild. is ucee� lit put yiI .1 uq�iltt._t us 0thin JP API I,,- e;ir pp-I ill p", , lieu ell j; APRS'. '111--ti -_hze:kvnxa Yiu r;uq nitityuy A pt,!1W zalit- it, •66"i yi!j us x nirflyus =1,z_4jni:1lI1y, but it Code .,m to your H- do, yo ur APR(,)? When your APR(,) nit . e 4,;, ?d 1, -,ny p, ulu,l el and pu it ,y h., vie ti py, ilit ,It jul it ill . 01t lj 1ji, yju APR(,) Index + Zr9in (preitti-ify disdused to you) tit,-ill change it! Qzhit K i: :.I it put P R,P •, .so Thttlim dy it th:e Hi:il�l F!eliij, N,[ .-h- u, nil test , , ,um, th, true: L imh JEN I; " ill, te'd ill 44;R, July. tj hy 11 i,11-1 th io a,estiai it Fill pu ,5 JAit 4u?lt IF, thA 'if DWIL Riv P.- a eJ4. T Tee ill vl. 4 Riza _hw;;� ii, it "'. re., 'it '.. put Ant -n n .1, nd - ly:i b J`g luivu- ` pu ii,tzel�el ., Th,! : sail", ta, UFDR 11 1, Y xal*; tilli ul L - d�t-lll it, MIT 1 11 hi,ke. p. ill nX hjT I, FIV tt,e It, o uri III q,seliin u, "Iy- int," g it it., . ter re 11�,J to IhA ,: .It in ;I l� Are then, Addill ... I Ile- li-ditted wftlh Intl ...unt? Y� l, .;1, d q-, jzx, y-,u l -,y to Whil I p-I J tit h t FIV the ., j,,,d I,, ,aerial inch sail Y-,. tiul T* --ji - A oil ts,t- ; j P,1,7 e! a lee. Y- n ,y t o Ov-1 a I; lK it F.,. itt-d by I- %V, [ha 63h, L. wr yi., -,re !eYrimtuitlr ill th, 'et A put leys-.7 Iezay A.th:lut 'n, Iiftur '...-MI.; _ul d4h."t, IFY-FF -, fit F..., lee!-'r :, • Ni 1 't-ly "'pu";'d iullt gAnq yiu, ;rkliv it. W. an I A-id Menlb-hiFIFees? it , Re-1 it Vinti i:t J, h,tt it, thl il,terf erv, pu It y I th' b I" _,tltjT '.�J h i-eJ L this ,:mini M11 - dis, pul L Ti -Al pyi,,g I ,rtih:p i` ' t flit ot th? -ity rhm bill is jit nuts[ Cu j,: Your Right, If You Are Dissatisfied With Y our credit Will P-h-,l. it pu I, _1iyyAiytiJ ith,h iiij- 1, "k� "Ot t t, i� Tim - d- put ,: ;Dual nj - .ill vin: -'esying yl., 11 I'd 11 ialt1f.Wl, h lhvt pu 11- F-h-1 vJth put :fzsdit _jIJ, iij pu lyre tried in paJ faith U t dle rrthe,; lat How all lrjQ5Ljdx.&CWujlV Y--i _3I9jU_uAxF-1 i(tyurl N=- put 7- 1,,; It- the tight rtit t, VIY the I .11 -A-lihi ,trawl Jut It- Na p-h-. Ti usa ills dih! Ne INA0 e. 11 zo.Fluin ay iPpli ,uult J-, ,Iujim pyj it uit lt� tv- ill 'u" J1 ti" Ai ?.. rl-,aerie fint it -,u - pur :,iolit : al r hwglwy P pur pl, ,Fk F i :1 1,, -.7 Y. it use h- _1 -,iu. :,- d*,t,.,rd 1n h- :h. rh-h-- I, , lia viTh --h t- ATM it v iTh 4" J pur jir :,,j , :mum, nr ru'lity, ;-I'd Who u'ustlit yet hiv, luny pid 1�, th, �h. happPils It MY AG"WDLt%sUSPrndW Ww I qd it yuspml put put eightti itt,ln :'-dit e. It ,,7 rer, ,Id till "ty !e"t. ewu p Y. ". ilit in J-fluk k,Itt iuspici., :In Lza F „�ut q P pi: xy. It It A il rht t: I- �t i,d u s it I fFFAsIi_ .ith N- us in -ittirl t k-1 3, cusp you us, 1, sip ashy ylu: -J. 'll --ot .1 "y"e U � , . 31 jeu:.y I I elit !,:Js wd �hva*li, -,nJ C pay ,p it iufiti pu art- us, ri it they were diijej P.D. fel, KZ5 uh,' th'. u - 'd . - lut - 1 H do I MM Ptntirri At -,..y 0 ?, pull -y pr.,-�ni the, m-u-I mipil it nyiu i-I ,it L,Ll Ily, LIT �4 3_-�2a ill biaw�iel. Ryi[ eiiu it I V t, it I j� in nkv bFply ti th� I;Fp,r,.d iult lw Jl,s�ied tzl Aftior � finish u, ?) .dire by going — P "b'” I L-3 intit )"I, I-ult �Aill, till T11 iul JieJAIn. X ell , pi,,!, it - chink you l- 'n I, .,a ,,d ru di nit ppay i , TJiel;hn- in v, R_F,,szw ;,,, Ly JI!ity I 7 � 955 7 IJ touring the s�i :r F!ifF pL. WI-I pu !; U Is I'm th.,iih T ul PD1 Y111 lu'll1i, us C. illitnte s Il A'_!ml 1, k;[r , ulill �Viil pll.,! t�_t It Fulf yjul ta nk ,: :runt IF Yujrl *,z t ' j�y t" ill JP P RJT O'e yuF_ p., leilid� n Iy ti� eU1.1-I i ,r`J ds 2-11 C,Ijnt Otte. C'Vil'I Dnie lit I ".4iin"Id yze"rit, k At lights ',51 r-e- ygm pyl 'tib 31 iu, ldlet;hlne I- te, 1 .lj iJh;;; put , di :: in u; teptzav nr; P" yTr by n Al sruud It z ialj i, il n l jj ta " p x, Thle tM, it this MI,;r - -r ET: I I, li Changing Address? Not quite ready to make payments online? Address ......................... ................................................................. No problem. Follow these simple steps to make sure .................................... a . ....... ............................................. 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 cam, 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 INS -�—•- \ Page 2 of 2 Customer Service 1-900-903-3637 Apt- 28 - May. 27, 2012 30 Days in Billing Cyde i• www.capitalone.com Platinum MasterCard Credit Limit: 53,SOO.U0 )0=) XXX -XXXX -6012 i NEW BALANCE :;c.cj;i _ \� .�,r Available Credit. 51,26978 i Cash Advance Credit Limit: 53,500.00 $2,230.22 $ y.. w c 20 ` ° "'� ° • • ' Available Credit for Cash Advances: 51,269.78 Previou s Balance l Payments and Credits Fe and Interest Cha rged Transactions New Balance I 52,I6D.53 I — ` 50.00 ( I + S - - OAS _ ^ - -\ J + 519.69 D 52,230.22 i `� (_T RANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment r:as rot received by j the due date. To avoid this tee in the future, we recommend that you allow at least 7 f business days for your minimum payment to reach Capital One I I 1 t 500012 Ca a` "at - s In your wallet] IT'S STILL NOT TOO LATE. CHRISTOPH A KLEINE Your account is unusable. Please pay the amount due on your the due date. Remember we're here to he YOU'RE BEHIND BY statement b y Let's work together to find a solution that's right for you. PAYMEMTS You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. CO 20091-apital 0ne.. C 1;ital C)ae it a fie/6 -ally regirtmeel smirk mart(. All rigbis reserved ;\ Page t of .�.i,,, _1111 I��` Customer Service 1- 800 -903 -3637 � May. 28 -Jun. 27, 2012 31 Days in Billing Cyde irQ ►j(? www.capitalone.com MIN]MUM PAYMENT WARNING: It you make only the minimum payment each period, you rill pav more in interest and it will take you longer to pay off your balance. For example: Platinum MasterCard XXXX- XXXX -XXXX -6012 pa ant Amount Each Period If No Approximate pproximate Time to Pay Off Estimated NEW BALANCE :•;ft UN! AVtWkEN; Dkil, J ; ATE Additional Charges Are Made Statement Balance Total Cost . i $2,312.73 �i:SSg � • ^, o.c •�� ; r Minimum Paymeru 12 Years 85.355 - „ If you world like information al credit counseling sendces, call 1 -B&5- 326 -BD55. LATE PAYMENT WARNING: If we do not receive your minimum payrvnr by your due date, Credit Limit: 53,500.00 Cash Advance Credit Limit: 53,500.00 yDu may Fave to pay a latefee of up to $35.00 and your APRs moy be increased up to the i Penalty APR of 29.4D %. i Available Credit: 51,187.27 Available Creditfor Cash Advances: 51,187.27 i I Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance � J 52,230.22 _ 50.00 I H- I 582,51 — 1 + SD.DD - I 52,312.73 l l J .,. ., ..n.. .,. .a? nsk I TT RANSAC` Help is Available. r ONs PAYMENTS, CREDITS &ADJUSTMENTS FOR CHRISTOPH AKIEINE #6012 Just pick up the phone Call 1- 800- 955 -6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 25 JUN PAST DUE FEE 535.00 Total Fees This PP-riod 535.00 INTEREST CHARGED INTEREST OiARGE:PURC-HASES 50.39 INTEREST CHARGE CALCULATION INTEREST OIARGECASH ADVANCES 547.12 Total Interest This Period 547.51 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 560.00 _ - -- Rate (APR) Interest Rate Total interest This Year 5265.60 Purchases 16.15% P 528.58 50.39 Cash Advances 24.90 %D I 52,227.90 I 547.12 L Transactions continue on page 2 P.hD.F - Variable Pate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 1 0 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178052433636012 27 2312730062000451000 CRW Account Number: 5178- 0524-3363 -6012 Due Date New Balance 4i;:t;;:t:;;:,.•:::e::t Amount Enclosed Take advantage. Take control. Jul 24, 2012 , X2,312.73 ( = 1 ( � Manage your account online at www.capitalone.com • Make payments • Review account information AQ • Manage your account in privacy 400006 CHRISTOPH A KLEINE 402 NEALY RD NEWVILLE, PA 17241 -9472 Capital One Bank (USA), N.A. "1`1111'1 "11111'1' III 'I "1111'111'I11111'I "IIIrrIr..1 1 1 1111 1 Charlotte -1083 111111 1 "11 11 1111 "11' 11' "11111111'1111 Please make checks payable to Capital One Bank (USA}, N.A. and mail with this coupon in the enclosed envelope. BBI 27 How tan I Avol of PaVina I to art Ch is 7 _h I; Ilith You liy per 'N Bit ir, in lull, y,. nil! I When ruit you Credit My Paw-t I, 'I" Ira- un I":" ir- pl'i" Y. . d" 'ifth '? bit :e rpa i I • F,1 D, ,,, thIFTi--, , it the Itucir-yy J,y U;Isl i4 11 lirl "Thly - rIIt' -ty'j V.11, ET. pu,.h,ss:i ulld 4r _#,, :h,,;ps. 11 y,U h- ]:e -4 vu, `,::guru ill bull T1111 n. illti-t pdij I'd I • F n I. ilul pIp, II th, busir- , it ILL 11 y". lhir t,tun p.xd., A thii du flit 1:1" -JUF ll-d bill ill lull. Ft_'Ipid --h,,gss ill b d. Ili- 31- F Mbl, n --,Yh gp -rl "d you J.sA ill me unj,ssj ,a _ , whir �hre7i- N Ili xipiiJ :,II h: I p-i- tili. pr,,syyirl4 ty5 P.I. b:Il ti;I I. Pis- 11-- I-1 m l, How is the Interest rinsic Chanat applied? luttitrot :h,igas 1 - 1* 1) dire gl the 1,;;, ty.s ill 1,.y she, bri nn tzr IU I y ., I in Vilu-,=11 k pi-Fu?4d ., 3) 14,1 duy it me tiflirry psliad. 11 ssr :h,,,;Iy Ue an wy roll; i.1 :,u'rt on you P..ss Pape Clhedts as an feworric Fords transfer? Rjyr pry ,: bp j i p ll . t ",U 1 it I, ld ill lull. This pu I, ry - h, h 11 i ra ze but 'i�, '�, ya t" th-- :ha 1 .4 " tq th� 6'. 'N e, E 'one n x It,, -71: '-N71 i ' - 1. h so�t int,,ir idarr t� U,li, I p,yn six. yju ,, iftf ir� us : n m 7,4,irtF U u the H . did t _ I'L. th pt,,Luy i U,Ilp,i, mr�! Ltix�uy I� dd,, • c, it-, y.;u -,r! :0. � rL "t"r, tj a iks u ul Iii, , A wrrj�rk-,! x �ItN: 0r fwd rjylr, I ) t. u , ejtp:,S;T :-UM We -q�y It - dzht ,,t l- ivyy im�i _h.. lytin e. lka UP 1* 19-1 id,or 1,, thI pup: :he : . ..... D assess a Miniami Interest ChnR,I v 41 qj Uri I TIERBT - KAR�E A .ill to is. e,:h What if I fit. for Hanionlytol it ):u are -,,Lded c, b,oftj;r ;:A:abr. d'is Ili- ti lli n g . - - - -- - you w yjuf the Ei No n• do you N'- us- 1 11 '.AuJ Ae,ig? wily :jrjUj,,jy n.,.- ,u: tu a ritiuFt, jn:,risy n riLauFty rt, 11 Uj lik, tjrbutt:y dii'l j I lstkln . Urrdl-, ni, , -Ih,:. - fir; T'U: 1) L- rf,� , •Y-: pis- ch,� •- r, . i .,ki :'it;, LIT ?AIK, - ,5 • ,ij , did in i - lj-,r, ljny 1 th, F i. rTszL _h.;P, x, th p!s1r,iu4 dly' t i 1,11in 7) subt-t Illy BILLING RIGHTS SUMMARY "Opi- Nu,, AppiliU5 1114I3.r.- F, —fis, I , Y'rent, I'll u-dz tA thit rI is DI ,1 Jy. Pht !iaift j� ft, d,ily Ix t,�h Frog ,,,it. H, it y,u What 1. Do If You Think You Find A Mistake On Your Statement 11 ; thirk t1k,I k Ili -, j, , pl-I . yn Mull.*, T i th t JJ - jO 01I daily ltilx,su - all h IC, rLifind y,11 Aloeng? [ Lilly Filar : :: 1; I'M 1h, Jily ctz;;'! eur. 'd ') divide the sorr ty P.D. E. sa e s lh- nrxrte, A 1-in J, 1,14"D yJ 51ft LL'ity. LIT Nit 3,-f:'z5 ,A! 11.re rid ai I,-I, tilling - Jetirl! hl- rju! -hiryla ; 1,11, 1) fr UlrJily your AvIrq, Nill. 13,lbms 11, girl Lis ih? f)10VAIy A,I.- by th- ih; F--,i IT,- :APR di,i JIJ !,u th, gr ,r Ill j D as I eYuft by thI 1 ta I at Iy ill In u - A -r, 0�,wn: Y r -,,,I , :rant n:nrker. 1-riijaig x , • n ill T; H11 ill h Ir %I,. ThEr �Ilwlio �n 11 y 1v y 1, :1 thI irrt:r,� yt _hirg- ll - ! h l I . ; it a t h, so , It _4 ."iIi'lly asseux9. Pahl - r• - It ypo thirl, th?,e is rear ir ' pli, bill, juy%! it, ch,t you di- -n- is n III How wn my ymiatIlt Annual P-ritane Rate (APR) change? Y AIR a jy 4,: w Je t,us I m one troti- it is ill ivtik ai th. hlbning '-p-nred inji I! T4, VA,ir si,ef Tz; tad shish ind, is -, 1. your Uit. Y'U rust T-.1 us S" J,ym 1 rih- y:'u, 4 ILI, eirL _ht:lcrrt- td Y,U U .9'.rity us :I ', Fiat:rni,l errs: jy,yli. rim. _ V, I y �,J; liz:01y, but it Y J,, I -_ I Is 11 r: " Tire I ,, Is Code next to your H 7 When your A ill APR(s) IW I Nui! 11 1' IrIL-Ai3-11a x! y P,1 Ild j! -.:a:; I:d 1,u I; I hi �n pront ill lueyt-'r. Vve W11 "airy , APR(s) Index + M you) "" Ap t ) . - th gin (pa- sly d ad to inig, m .Titin,i , rthh! K I, rt Zxs !C.,iip, 't ypun I �tt. R.Jr,. Wrdle � li-ligIt�. nit ithIlle his tran: ill �, thi I)II-rinq - Ili?: , 01 Th. 14A d,y it thi tiilirg mat L 3 it ,lth LiFIR I, ;;r s, rd in I April, JUL•, "Id aL Y" uly I, : Ill-zt tl- "if 4 if. I-Aijil. Df =Fart rju us d;-ril { Uflttmi rh,tm aunt Ti III hii;a 6 u IV F�n in �r. "it sme, 'IL 'ndi - u J.'. Ir n F. .341 Thu ti,yr s,-h yU viz,.Isl an mat i. t bilL it. n dst! Ill, WIT- ,Jr I r,stLk ' _-, do yd! rut h t: pul i q*jurcill 4utvT,,, ,, irly , ej t x �th JKA I-ign I tillig ,, bj. Iris, !sliw u thut Ir -it Pue the ... I E ii -dates with my a-"? Ye?, urid?, same. Jr Alli-, you 11 'y to -d , 'AII41 ;,U d,, 1 h b; Fiy tfie ., :-Xit ar j r-56" ortil - - y. ii_- it r of our , - iyy,_dDl1;Wt*s a Pta. _-UT r, � Lira . 7 ' 11, six l kiij L-;tj. I.Via sy-a Ilis 6ghit. m ypu I-i this I,, indra, A yiU, .:va_ 'Fl:ly "17 ".::J11 gpirsi yllur 1,,JRAirl it It- tan I Av. 'NoFee I,,yhr; nu," 1�� by 5w,i,I - i; thI;. 45 J,; itt�,MIN.Adyn,th� b�Riiq % t " i i t ' 2 U, Vt y 'Al isInd 7 ir- ii:yfse e14;1 ;I!; y a41--r tht� j by dily q 'Fl:s" Y_uol, net m- r,ru vs lzoi�, This 1:111 i :.Jila L a,-it U ,,1 lhut w, �1- Y --jure. TD d puiirl� -, i zoithly fl s ["� ul'itir ra,I.Ist thit - -I's? y"', --it IUJ - ill itit, ) I, ardy it _t 'utitil sl Your R, th is I You A. Bi ... Sfiad With Your Credit Card Purchases. It I- ,r- JivvA;Fti-d wxh,h, :,,A- x 1--silip lrl. It y:ri, hire poi-hisIj pith y-i.11 _ j ;j IlI y , U h uj i 3 ,A lim I, *'t m:- p.0"i v.rbh How -11 1 lZJQV_ ray T. _UsU,,I , ";tin a L .ef.1 Ll ,r jl,,� the r It yU y h- thiI d3lit is I, I.i .J,. 1,I - this right tir , I" y Tha i�ir iini,,j I, jux j x . jh� F II 11 1`1 "My 'h" air sxpl 11 1 1116 JI"I it- ipy i'didiij 'y d - Ilt"ll 6 rd I", 1JIMIN. PIF -nnr I r1i it pause T-F :`E -I'd Ir :hI F n ;1rx :.,:,ant ,te yau Iyk 1s u -1 - - it, � :,n V�Itp Yur 1) Y,ur Z h,, J dir l rha Pur:h,yss i Jr .-idi :,yh d-r- I- ir ATM IF _hek itrit z Y-,. arwd[t :ad J,, - 4"'INIT, _.nd What. happens It my AQMIIIIUL� 'Alt Fitly J `F1 JF WFp, spe Y-JUT izzz)Urn itd yam bjht to :bt,41 :relit 2) 1 -A t 7,4 1111 lully id t�! me V ri,hurl. It any car � ."d t,' illy Ien it n, Fia t , Y. I t ill JA-Ir k! im�-trnA,xi jli t Ve i, i,rsrj , L p. ' . 11 It 11 A III, uitii, t:,,e et I'd y- I,, still 5sFrJA;_-j ith lh- PU: is :J:.5 ?I :x y:.. . yt 1, sup uso yu ., -,,,it .,dl nd c " Al fi: :,Pftd Z),,e p,ym :o :n :n . 31 J9 :y 111 elit ,,,Js and , , zrmv hIlc-. and 4) pry Ill ill 11, you were Us, -wn d they -, ii �h g?d 3= 5 5, k L-r I-, - ity, LIT a 13C-w. Haw, as I Motor loarrur- At Illy r1ir r p oll yPly J, 4riur on rL thim ",I rinp,r 1,0.1n:-. :I, "ny "' aurR or t1wIIIr. I"I" e,rts 1, 17 to , J-- I,, ft-sdgits, it, Y, Uulsy ipply r, Itira disputj I t `n jl tl,iyh our 1).'h ,rid l,a*Dhv yu ., in,, -, illtllylu Lhj,i 2i T%; eph_1.re1J:j I 57:lll tl;J;Alig r=-355 7_^7� ,Ij pi,,ptu Whw,y�; jkci e tt Ylu Is jqilr4 P � :"., - - ' : , l t h pp, ra,aft,il - -4-1 VD- UzZ Illliit� ,,A,.m . . lkzrrfi: arI super= ""i vu, our l y tII& --ft. Frady niytra Mid I—, Y., :r Urlis F-I iyths r, IY- j)" P,vizlhp; Y_ru, irf.,m ;t: r, I'T.Ame 4" yTI,Irrs tY:lill INIud ti, s,-= this r, iilui 4 1r," ths b 1. stil"; rM 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. . • .... . ........ ....................... * Ile sure to use the payment envelope that came with your Alternate Phone ......................... . ........... ............. E-mail statement. Usin 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 numberchanges above using blue or black ink. number on your check. n , Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Page 2 of 2 Customer Service 1- 800-903 -3637 May. 28 -tun. 27, 2012 31 Days in Billing Cyde Ca� www.capitalone.com - - Platinum MasterCard XXXX- XXXX -XxXX -6012 Credit limit: 53,500.00 Available Credit: S1,187 27 NEW BALANCE AnMSi ` ;; �. "N. fie .35E DATE. i Cash Advance Credit Limit: 53,500.00 $2,372.73 1 ki 3?_> .....•: Available Credit for Cash Advances: 51,137.27 i Previous Balance Payments and Credits Fe and Interest Ch arged Transactions New Balance I 52,230.22 l — I 50.00 582.51 ) { 50.00 = 52,312.73 �I (TRANSACTIONS CONTINUED ) j You r:ere assessed a past due fee because your minimum payment ryas riot received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. i � I 4 500013 IT'S TIME TO TAKE CONTROL OF wharsin your wallet? YOUR DEBT. WE'RE HERE TO HELP. CHRISTOPH A KLEINE 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 t!-e arrount due on your statemegt by the due date to elirrinate the risk of being charged off. © 2009 Capital One. Capital Otte it a federally ryorned sm Hunk All rib4nr rezm:td •.::s�q�� ; . • Page 1 of 2 �'' Customer Service 1 -800 -903 -3637 Jun. 28 -Jul. 27, 2012 30 Days in Billing Cycle CAP", www.capitalone.com MINIMUM PAYMENT WARNING: It you make only the minimum payment each pcdod you vall pay more ir. interest and it will take you longer to pay off your balance. For example: Platinum Mastercard XXXX- MX-XXXX -6012 Payment Amount Each Period If No ApproJdmate Time to Pay Off Estimated NEW BALANCE kwi W kT, Additional charges Are Made statement Balance Total cost 52,395.15 ;9 7 .,. 2 c. ,12 Mirimum Payment 12 Years $5.371 ., i If you would like information abort credit counseling services, call 1 -888 -326 -8055. i LATE PAYMENT WARNING: If we do not receive your minimum payrwni by your due date, Credit Limit: 53,500.00 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 Penalty APR of 25.40 %. Available Credit: 51,104.35 Available Creditfor Cash Advances: 51,104.85 i Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 52,312.73 i _ 50.00 j + 582.42 + I SO-00 J = I 52,395.15 1 ...... -, .. - ....- •.•....... Help is Available. TRANSACTIONS j Just pick up the phone. 9 PAYMENTS, CREDITS &ADJUSTMENTS FOR CHRISTOPH A KLEINE #6012 i Call 1- 800 - 955 -6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 24 JUL PAST DUE FEE 535,00 Total Fees This Period 535.00 INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES SO.87 INTEREST CHARGE: CASH ADVANCES 546.55 Your Annual Percentage Rate (APR) is the annual interest rate on your accourrt. Total Interest This Period 547.42 Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge TOTALS YEAR TO DATE - -- _ Total Fees This Year 595.00 Purchases 16.15% P 565.47 50.37 Total lnterest This Year 5313.02 Cash Advances 24.90 %D I 52,274.72 546.55 Transactions continue on page 2 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.COM TO MAKE YOUR PAYMENT ONLINE. 1 5178052433636012 27 2395150062000557004 CODE -� "` Account Number: 5178 -0524- 3363 -6012 Due Date New Balance Amount Enclosed Take advantage. Take control. C Aug 24, 2012 ( $2,395.15 I 1:5`::% Manage your account online ��_ - at www.capitalone.com • Make payments • Review account information • Manage your account in privacy 400006 CHRISTOPH A KLEINE 402 MEALY RD NEW ILLE, PA 17241 -9472 Capital One Bank (USA), N•A� II II Ill I I I III 11 11 1111 I I I P.O. Box 71083 I ' l l I ' ' I ' III I I'I' 'I Charlotte, NC 28272 -1083 ulllll' III "nlll'Ir 1111 „ IInIr'll'I'lll'll "III11111'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 4 om 2 14.. on I Aoid Paying Interest Chnitairl? r,.r, I; xith y.,u py poi •N, EVs!' in lull, pu sdii h— u When will you Credit MY Parnmilit ninill ,,, pzu "nj A 75 dr� w ith" "i A :h,g� in 11 r: v: 1) pvih,yes. 2) '1" trnzl�'Y 3T Ep_iil •-Fit thilth-i. lx,;j,Tth_-y je ty5 p,, ET. Ph,lss od 4T odrer Jlo;jss. 117. hivre titl pj�il 14 pUT --tit LA v6d, I.- httl,iit chg -. applies .d Vito - `u; , iih-d I,,p, iitthi tusi,es J,yvt,, I -ivi iL ay blig i.*: I? T �n,Jtfiu tittill paiii I it this di nn J:iy•u, ,ul till it toll. Jh,,jiy ,fll t? jisisn, I. Thi,, i + jl— p,L1 it, :,sh g't'-w vd T-, Jkih.the 3? —bra, ,nd 'I 7"'T F 5 ntis r—i.,•I ill" it "n it unlp�li-, t,h— itia 11 pttmviius till. pr,:.is. ing t P.a. 11 L'T'.- Pli- ",!1 KII-Als.1 F,,,. en[ HOIN is the IttensL citantle, applied? litti,irst :hvyus 'e ui Iiiii the 1) dite it th*e Jjte the —6—Ittyuy vi,t qutttidam uzidit�l itlh� t,z,ns--,:9irT is p—crod it 3! lira 1,;ol the tiiih,g period. I nt Frh,qes n,u in io-yurTpid i, Do you Procass Paper Checks as an Electronic Funds Transfer? `_-,•a v t, I,) in-_ it. Ivvi ik u' pdinliAL This IT -' I. ,-j. I, y — iltl�t -h,,?iy —I I y. p�y th- a,Oi 'Ne. one —yv.: Ft.s -, d� :hzo-_kiOi ::,p elt.,pubuti.6. —, itti V.-A jil X " th J, �i ti V!-,blTY 1: lrt, LllFjil inn-st JWges the pcp, Iai.t il -tx. Ii n inzt t;;,. A-H --iJi- ii jJ,,; iolkivi: livil B,tilir hit, pin %V1 rly ditnti mil 111�;�It _hvpu �!ulqzh, 0� ;,tiT, ,txT ii pl,,uyz thi pp� nt Do t assess a Minimum I nterest Charts? *ts A Ilinil, oil INTENr5T 7RAR5E it 011 It, I�t h what if I file to, pankrunt, !I y. — �;Md� ti this - -t it uni----Ijj,, 1. !:e 44— t6n tlifi.,;; P, :Tj y-, -i-int is I, ;; itt-A unl•. it 4 nie -,;. nn pr ti -:TJII'rJ, it rz: I d-tt it Jain bi nit F?,,, .4 pp ,•atour sp,kin;I with How do you Calculate the Interest Miceli I.M ur- -, IT ithil A•,;a D,ily F'N'l I'm t,,.k,.VTy i! the F,,ll5.Pcy 11 yi-, it y,., jux"."y 1 J i1:1 I, :,;.ou i", t;vM.Pt 7 J.,w S li,lizj,tlin�l, ti,dir This!, �thn, � fir_ Y.- JAY t,[: fit iJ. 1? rjk- #.� d4 izdy, , �Ivi �Iphl O.Irl - rl EII, K�S - �-ft Llk� �ili, UT �4 1 K: -�2�5 "I ill "i" dlz p.;AL im,.,uvzz ,I ani J,SIs thin 2) F,jtv,:z ,iy BRILIM RIGHTS SUMMARY - 9— !W,. A—fik h" is that day. rht ,A 14 oIal di lulu" ;, - t�� tx t,dh ls-p -M H,— l, W 1 * Your ;, it ya hat , Do If You Thi, You Find A Mistake on Y StStatement : It p Ni "k ic [h -:e is un ill yj il tl '1,', Nuxt.t,lild pzx Ale,,p r,,il, 1; isJth, Jilyt,b,,: tipttzo, til - ,Jl sqa ult "t:1 2 jisidzt th-s.,u ty P.O. Em K2 4 Iltzo 1,eT J1. dlyY l;ll? th:4113 ,de. SAIkr Ity. ,Alq-? Hd it ,a:h Olim Jit mu pw FbI:i-: I)T,06il• p-4-q, It ,, mu'. gi, tlythe t'llisAg : In N, ?s%y:r er, unJ 2? byel- sll:so, it JY-' inthu 9 0j", "ji" built.: sl lij not! - ;11� Do? I, I utad'!3 IT mill I,. iiiit -I"F iu. 1, h 'L.1 , Lii'! a 'y Tiy 1, ill th- lra�,"t _Mig- Ti FIij, K ["I" lh- 1,11" .; D,j;d it Fuyptid dl J it P"b"! it Y-J. film -t— i vi enr ill p., till. d-lit- . yu t,liere is g e po H_ on rrTy Variable Arnual Periantalk Rate (APR) change? Y.-L, N.9 IT ,y 4,ltre,t " Ju- :l in n ee "i" it is „r A The Yjor,..,DullC yull IT jA 'ithir, 5: J,ys 'Irl, "hil mauii 'Fl;"T ij i'. po' ATw ?it, liAij. itimj Code next to your H— 6— Iwl.l,y..rAP I it .,ion-d I, in—flu.,tol -.tylzxelld,l 1 a ,;,d Y.,TI I; v h Li pry ft, ", ioill 41;3!L I.V1 011 Tilly APRs) APR(s)7 When your APR(,) - C ,t :w: I. it T"e lt r. Index margin (previously disclosed to youl -ill change I,, iliq K Riv Fjt: 3a I it lth Ll ER h, I? P ,. - , F I- I �i llh - quisl,� r�ii -,irl ,I. rj,v 4 .,IL ;0 tid",ip y- vit—tii. th'T " it"a I, Th�liktld�qil h LL it - 4 ,1 ine th,t- Je - ict,b. ,—unth, -4-1: it aiyintilast. xhe., _ it IT I IT F I n _ J FDR Iii IT f,' ti tht ,! -tt. Are It 1� t� nit the Addffi ... I F as-d"Ited with I —onst? Y- ulij,, t,i,i i; pi, I �y 1,, 1 pu di rm h,%, T:j py lb� T, iijuqiin T,llil F:tfd pu -Ii it IT- zl!, - A it. , , i - -, - _, 1 rl� '. -Is, b- -,yyiVVz_, :"Irlim it I! p tLd ty I-, wzo I �ni thro 6 lt� ill. "zo—pinsiths ,T .- -, -,Tihde! A 7 : -t 'tlu; I,- ,I �,q tla�. a 9 .,sy e 1e ,y i.t piii n ,tis iwbi _ ;i 4M ssess, -i, io 1?a ;17 "'y ".V 'd "'. italt ,g sinl put , i dt HIT it. How .. I Aleut! M-4—hip Fees ;I , liall ;-1 lbfi: t ls pivaid on V,- it nit it diis it jy ,,iid W"Ohn't 3::' r it i., �:Vz :e. put Lill - A! stand pu , �qd j;,i;;,j Oc,�, LlhjT -_jzt�d N: 'n " I., . 'i d t. '� ill tu, i-i Ly �zal,,Le .it — the 4r 'Ita, d'i it ITT- [:!lli;;� :ii �Ipr in Fiu; r-T wip �l rh- �Hl is is u ti ih.,t Ji_•e p., ore Tj )id F,�,ing , it n ithty I ta;rt- iyhip ", your N , . u .q r.. .1::: put 'L "Id we Sll ig ,,U, IT iiMly ght, if You Are Di—fisfiaill With You, Cnedh Can! Fluid ..... 0 pu v. JiyFtiFfii:I ith Th% pi.1s .riJA..J. . ran th�,�t"Tt yhth� ij.ht"At, pythifrail inlrq Ju� TthiFrijh% the How I r! .. hit, Yju -,;I -int"-t �usO �Lzt L,qu�q 9"t T,.-i J pi, r-o.'t. 01 blfliv.w IT Tist t-- it t— d..9 in ' _'I1 ,d.1 "Id - 1, Jbw, to, "J.diq I,,I ., py j ... 1 01"', A.'I ld ta Ai`s P . IT �it h— usIJ pa i 5, them Funh_ Pulh— J �ith -,-h J hill -,,I ATM it �. di--,t it pu .-.E! %�r ;Ih -I it 5 pr . plit 't, 'p. �uk J: I,, - Z.1" bi, put I) Y. , Fen. Jk VIA 1: por iijit : "d WL du mil au,fly - 2TYju IT ust tut yA IN— lolly pid tit N- F uchs -. has h appe ns It riall AGQx OLj%5At%R1adW L44 IT "y -liul, it upted yiuT -iii,altni put i:�Iht ti itiin ,la -d 't rny LIM fit xly I t,% Y. It n't ill -Mhut k—A tun; Ul '.,n L'- Vlaw inzailt n Ciii pjixylll it 11 it th, b: - 11 it "d pl, - still jissAsli —wa is : Lj it 5"p"llioJ 1'. h ost " slip using Y :,d I'd 71 11 ,It ilda xjs .I I "ss 'hik j C py 11 ,, iuliti pu — us, ,,, it th- y — -_h,,3, "ll, J P E. K! :5 ,tt, thi it it.rp,did. S:lft Luke - ity. LIT - E413 " -:2'i H,_ do I Make PaYrneritstAt -,!iy 6i, e, triu—, p,) y thet,, the .I inpid it Tny ,,1 1 in t't—l'. Pq1t .11tsir IV t, if III s•[A V h-vipt-, N - w, ,ALy p ti th ply - Zlyplt-d wriula d Ji-: ti Ah-, linizh it,, I I :06i ty Di i";i ii — 'FitA,, n .n d l'i till g silt pia : Liw z _-Td;;.A. — 'Al till lial;Fian. X th-1, c,inC it vt• thiif' pu -,n ,it mnt adpu Jo nn pay rc. it q Zi TAiL h IA �� P. N�? ,= N Sr-LI, ty §,Iimg Tj lill—vT4 th, vii:, pirq�ln Whin y,,j it k, , 11:iIt p. -,y JA.,_t. V.1— r,p tails th, xj;h --tt ospil.,zo s 1. yju ,)A'H :-! el, is pi,i ilit-1 All iii—yp—Clin: I., -tbl. A , il� : 1 4 lo.1, F F,in w Lh� IT, it j hill p. l r,a,jT c� .i*j i,,,, pur t; C 11 Pint 3'aa is Fe"Al, F-11 rill, `1111 s l I: our, t -, 1= 355 -T put ueliln rj -, I. 7: its ty IT A uh..!d to sTr,,t ti th- IT ,ling Fl,,idlal Athis yrje_;, E T_ f.. Changing Address? Not quite ready to make payments online? Address ........................................................................................... No problem. Follow these simple steps to make sure ........................................................................................... 19 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. � n Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com �., Page 2 of 2 l FY I_ Customer Service 1 -80"03 -3637 Jun. 28 -Jul. 27, 2012 31" Days in Billing Cyde 1 l www.capitalone.com Credit Limit: 53,500.00 I Platinum MasterCard >0=- XXXX -XX)OC - 6012 Available Credit: 51,1(14.35 j NEW BALANCE t 1 1NP V 1 0W.N 1 P AY'r,' :ZT . >3 >E. `E. l i Cash Advance Credit limit: 53,500.00 $2,395.15 M.f? :ifs , 231" 7: Available Credit for Cash Advances: Si,1G4.35 I I Previous Balance Payments and Credits Fe and Int C harged Transactions New Balance II 52,312.73 — 50.00 + f 562.42 — I + I SD�00 = j 52,395.15 (TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was riot received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. i I r � j r l � U 500781 _J You have new payment opportunities available. See the next page for more information. CapitalQ' Page 1 of 2 Customer Service 1- 800-258-4314 JuL 28 -Aug. 27, 2012 31 Days in Billing Cyde www.capitalone.com/solutions IMPORTANT ACCOUNT UPDATES i Platinum MasterCard 5176- 0524 - 3363.6012 Your full balance is due. Any payment you make will ieduce your balance and help pay off your debt faster. The amount you am r w,� d Her IF youVe entered into a separate payment NEW BALANCE PAYMENT DUE DUE DATE ! agreement. S2,480.66 $2,480.66 PAST DUE Available Credit: 50.00 i i I Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S2,3 _ l SI 0.00 �- 585.51 i + I 50.00 = _52,480.66 TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR CHRISTOPH A KLEINE #6012 Help is Available. FEES lust pick up the phone. 1 24 AUG PAST DUE FEE 535.00 Total Fees This Period 535.00 Call 1- 800 - 258 -9319 and a specially trained agent will INTEREST CHARGED be happy to help you check your balance and make payments. NTEREST CHARGE PURCHASES 51.39 INTEREST OiARGE:CGSH ADVANCES 549.12 Total Interest This Period 550.51 TOTALS YEAR TO DATE Total Fees ihis'iear 5130.00 INTEREST CHARGE CALCULATION Total Interest This Year 5363.53 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 16.15 P 5101.45 57.39 j Cash Advances I 24.90 %D I 52,322.53 1 549.12 P,D,F — Variable Pate. See reverse of page 1 for details i PLEASE RETURN PORTIO BELOW WITH PAYMENT OR LOG ON TO VVWW.CAPITALONE.COMlSOLUTIONS TO MAKE YOUR PAYMENT ONLINE. 1 5178052433636012 27 2480660062002480667 Account Number: 5178- 0524- 3363 -6012 Due Date New Balance Amount Enclosed Manage your 1� � 1 Past Due $2,480.66 j account online. Visit www.capitalone.com /solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. 4110004 CHRISTOPH A KLEINE 402 NEALY RD NEW vILLE, PA 17241 -9472; Capital One Bank (USA), N•A- 1I I III I II1,1 I I P.O. Box 71083 II!IIII I t I " l "I'll I '111 1 11 Charlotte, NC 28272 -1083 111111 1 11 1111 "Iluh "II'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. 002 2. How can I f Avoid Davinn Interest [Aames E,;h n-n,m pt; ply your "Nes•, E,IF" :u in t.11, pt, ,,It IF— :� When will you Credh My Pavrrxnt nr gnea i ;m'd .i :_i,y nim ro i,rte:et ;trnge ,11 ere tl Fu :;h•nes. 2l tAm :ev :nder. 3)spe :is! - F.,,Illne:,1 e, me phm,a, .i the tusirpsJ,yrs r- ; -i +•: e es ling =:p meywz vale ty5 p.ri ET. n':nnr• ys pu,,h,seF and 41 olhe, ;An se_. It p. h,sz It -rn p,yhn put —Fitt in LA riR, n, rmapt iheye ,ppli �,n] pu . F„ n-AlaJ pp, entr, ',_ :4 Me tusin >s dr,• rY r xive it long ,s: 1) you :,n] the t.ibo' FnGOn A milt L nn F,y y.0 text tin it Fin. pn, intr et :h „qe; rill [- r4--� J. R: -re is n. mre F"i.i .n ;ash ,Jvnr =s. nr -n e :rt on7 y :m .A - : :k: in the _n :Gsed m,rfi•,rr; enrl:,lr. nd ., y,m payzr:•,:t is rx: i• :z] in m- vt n:n sF -;ill U,nnrr :, n n, ,ny n-wv,ns,;tin, ri, -n mere iy en unp,C t•,I.,n;- h:nr' , pr -sinus tin. F:.:- „1114 ;e:tr:s t; 5 p,:'. G :! i,re. Pie „r ,nn'e ,t hes >t :7) tu•il:- i,;•, t.r rrvil ielivar •. Rbi! -J - Rs p,}tr ;: Now is the Interest Chrome applied] Iritn r:h,y •r.; -s rue 6nr th- I) J,t .1 the one,:ti.n, :) Jt m ,.. , eisa ]tyu,,r,,nyuthe,I. :.,*.k :n:,: in :y.mrr nay :,-lit- J,s } tha ]r:- - ,y,- :.- i, - -n'. is 1., —yy?l n 3) tie :t „Iruda: J, :A m- tflioy period. I ,Mn n,me .n -r- -1 lid ev en” Do you PloQSS Paper [hello as an Eleemnic Funds Tmnsf lL7 r,n,'nas rill t. to pr.[rr•e', in aFe .t I- untiitt•puJ,nlullTh =n- ney.,u 11 ,y \ A- h,rge5n•enfly F.yth Farm,, h Ei ,nm, 4?'. ,u F' d- h.k,r.t k 't it L,FFt -, pip ' y C t -m: d , n d, •, t„ R•- F -•n., r, t'n L F' w -,, h g . it , .l u h. prop , t .:., ..,u A rt i _ i [b u, t. k rn, 1. - .a�H v J ,d.. x.; vn t+r , ,u e: -ve, n' y J I. ,u•tt. 24'e n',^ Ho v, r, ne men pm not,' "I Z h„ , ,t e. . a.••tl -- u, v G .n F—., the F,yurt Do you assess a Mini,num Interest Chame YuF. A , mn'u r INTEREST C114i it }'. -5.. +:ill to ,s•FS -d to e,--h What if I file for BankruRCV It r.,u ,r- 'U&I G t,nbwz - -y n:F.<:d ter, mri :.: .e:R,n i= 1:,, inin!t',ti.n T,i!G : : : :um is stdjrt t, ,n inr,-.;h,rt -. y.iris,arx :•.ern pr.r,:..lte :.t. are- an,a :,:c, _: Jett.,J r.U.n; :;-oJ uF p,yn =nn sTh.[rt YpOcln7 .:"t, How did you 1. Calculate the bst.rezt Chain, -hid ::!f -] Allbgj Drily E,I'm :r :in;lui;,y Welt ^oU: t,4m;,LyF”— ?, -urthr n , n'vupCy ;Fur n y.,u:,r put uII . nrys: ^lull lik- ; t:,:,n[e;t : ,:,r tenk,uFCy:l•;in '- use � n"t,;d: :ns). Lfti milt n'- [hod,, :x tin::, l; uh2}• J U:] ,nyb,P;n :- :t:;rea :Y :s -jn =nL 1)uk -tY :r te�in: :i :g t,b,n :- ,•.i :n]ire;C;. plresx; :nr, :r;_ :pi :•,i:n..- r i E:n 3cY5• Sit i:l :i[g. uTE4t3:J,2c5 in nev: v,n s,:e.ns n,] m, p ti jdi; ua -, -: ::huge m tm pesi.us dais bA,r:e, tile, 2) s'utt'i -t,115 BILLING RIGHf5 SUMMARY ::ces ! :oi �f,uy eo Sralr guxi ras Acc,w:L= p,}t:'enb nd :re]ils to [Alt Fe -nt ap ,1 th',t dy. The :-A is ma put- r,'?Ft I Jaiiy then :e Gr e,;h szpn' ant. H:--. it V Whitt To Do If You Think You K„d A Mistalk On Your Statement It p. thin: Mve is ,n en.: n , r F,i],.,ur FrvsiwF nonm'e t,Fe� = h, tull;r i t yeti; C b , ,p G ' r . . : , :P]it — 'r, ❑M: Wells :i!Jln rh;:I: p r • ' \ : T C • U n,,t: G;,n ,ah,p- :r•�=i :i rrenc n- mt,d +d \ r. m -. "ail, b,l „c- ,. 4>,, t,” —I.r m, ^,A.I - sr F . -F - -- F : ter; =: ..� [err :utjz;tr F - ..: , 3" —l F iY,:- n.t;die] the J,ily blsl :es. P.O. F.x3 Ei Netts tird};•u: E,Inc:1) JJ Oil J'ily t,bi,,F ngeme, to e,;A :- grrrnL ,nJ 2) JWd- tit - lure ty Sit L,k :- Eity. IT A41 K--2E:5 me n rt -r ,l d-6 m- tilling ,-!-. It. -,—F a ,r, g il U= the i.lbrirg ir: —itln:: Ald - e -JA L'illin' ltn;'h, - } ^�u: qtr:- :A•n :; >I:,II :�r. : :tlr: wf l•},ur NVer,- [• :il!: F,I,:r, _:;tint in!, :r,trr� :'i r,mzer :], : :.unir�nrt -r. ty vrc i,ii . =co]i;r �- :AJ'R Ssii =d by 355)In met re' D,!h :rnreum: The dAl,r ,:count :f m- ,uppe r -J -nor. r e :rt ,nJ .) u'uMp yve r -sort tym- clue, tee i,;t in C,e . C,. ,icc,n of rotten, n ,_u thinkmere i =,n errs on :n tin. Jevfltr \:het u C•l!r+= is v :r n i c y y u CilNg pe,i.J.N�iE: Cueb r:x:nding n': rrh,i: run interen:h, :g -,dns �,I :u :,i. :t n',y,my h.n.'.,e inre : -st l,nge t- lizr -it ip, To 3,11 : 'r.0 rr' ust ;.nu :t OF ridtin Fi : J.1 ,, ,R , m- e:,.: ,File r. -] ,n pi, :LLtr'ertt. Is the. `Payment We' a Pavo$ Amoud7 N.. All Ailed ,n, :,Nds ,: - :\ :zi n: mr i,r -. A m, ftF v -Fart. H�sx : :�,. y::u ,u4 r. �[iy u; .t ,r,y n r t zn:n> • .: r . "e'= g - , ' ,n - t•• g } ,} - p.si in ;•JUr 'r::•.,.:.•, F' ". I, it \'' i :.,_ Y: ; -' n',;:,f u= n Wally up r1 - :nonl :ell;. tuta y',u]: r•: ,rte ..,us- ln[m =L lee :h,: ] ,ri..., :her: - n.n , ,•[.J',•' id ,,, :n•e C9atsd,l elm, id vu ri,y her L m-,n -Sort in- usfun. V.e rill 1,A4, • : :u ,g: -er. - eft the ,n'.::nt iu- !: the t y yn: ply 11 ill tz hng -:. Fn rnm F;r, Z pli pep m= a,nnrt "utd in mip n7h- IUi + -' ^ e 1. S . F 3 a . . o- +,en::,;, •;,,r o13h[,tiil Wert , tal,n ;e le: ply : r :-Fart i re;-n'a]. alp. n:" ti mr,un[;c,u .,:•- nt s_litir:; ri:hin is ] n•.giiln GyNsa- nC :d :tC„ pep,:' d- p,ytr>rd emnyrn' =tit t5e,se,, ". the rtautzr "Id'? 6n;r. ;A the ;,i-:rerrt WA, v :eireeAig,le\ :'hems :. :nmthe :e hs tan•nn eon. ih- li•bxSy,ry RUt: :_: n..n :[p,;•,n en',u,q. 'x -_,n „coy G:.11-;[!ll ?-in nr A,;u- sti,n, .,'upa .]elfin :p :an[,n R,;r,o.unt .,.: ,. y.0 ,= . The ih,: g - in quen :n n'r• r-n',in n• r,u ela -,:t ,n] re n', rr,dnue U ;Page Y. ins,— t on m -,t .conic His can my Variable Mnnal Perrxnfaoe Rate (APR) dtangeT Y`,w APR trey kr :re,;r- .; Ja.r s- rtes -i ;n a'e u; Z r.- t, ill? RU[ s:•- n = :i- .1 n'hr,k =, yeti will rut h :r -n [he ,n.wn[ G,' r r 'on t- ^.[ me, of mrlo :l.vuy rvF;rte]ini is rs, upd- dt. ?et -Wf SVeet..,setrvlr. T. till .bi;h il:r. is me - in y.or,nnn :[ I pay �u,s sr- yin :c•. ::, rte:•= t -1,teJ t. m,[ 'nn.u:m hnk a Lve: ll -n, ill t : : ,;t.l this, :,en'rrr!nexlG pm iBR :eI. Thrn:he :i :the wtl -lid —. • +y7il- y.:: L 11:11 her- r. F,y dt- nraurn h: yuenin, mtdl re r-nJ } - .,u , nn:- ,tau[ m- ,ut.rr- .1 .m Code nextto your Huas•dowe mlmlate yourAPR(s)7 When your APRls) ” QC.' ?,e.n,yu,re revpiititle b,th- r- nni:de: of put t,lnce. APR(S) Index +nurgin 1preriousty tlisdoseI to you) will dtange ' "`-= n =FPly an'ount,rrnn :,e dit Ill; IL 50'thin K dre .t ,ur i, ;,iFt .t pur LO.:, re rant send yeti , r :item nnce ec;l,ini :g eiCter It's r2 :tr=.IIe7 Rte P Min' -RL r,rgin the ti::t]: 'A th- t.ni,c Feri.ds -rz _„n ;G ,Fpe =n .n y,ur n -a m- tell -r : -till fie L 3 n'ndh LIEF n,: gin en] at 1,11., Aprij, L,Iy, •mJ:;1 Your Rights It You Are Dissatisfied With Your Credit Card Purchases. It y:w ;rte i rein the go.Js :,: D Dhre F t, '! -'4„ ihr lief i,y at -,:.h `- .es" o,i hm pm:has ed with pur ;„dirt, nd v,,i h— oiei in p:d hid, t. ou t m- p;tlzn' oth re' F 1 n'.nth HER r: =r.' i thl tilling p dbd. th ,r -r J, 3 it t, h — m- i,11! n.r G p.r� the ,en,iniry •nraun[ ]u- nt me put ;1 ;1 -. i:, u_- C,ie rip.t the L' Wing nu :t to vu-: us •[- , n.= r„ 1,.. lh - - �. ., .ir;un'st,n'.rs. au , rry' tr ,t =rsrd, IF Y'wn'un hem ei pur:.reda :' ,td to mep -hr'e. fur: h, sxs, r, d - virh .,rh J,,n: ,ep butn ATM , s rim, Are there A.rxa;• ^ =, r -• essodated with my account? Y. i , } t L,.. R .i Pep, -Fart.. Y,un, ;, ,ye] G tt ZF t[-Jt I yeti valley. t- .y '..i _: - h kmt - -- ] .,d'..uur i.nA lit p :y all ,.w,l.,ll�tm- zpe= =y,,nomey '.rte - ., ..,tit s4 and '. LA -, 1]J -s rutAu• i G :,Y, tU.'- Jv.,u ,tn.:. ,.[hm :. tully F,j b, Th - pit hry -fir reed a :r.m�O. IN? ,,seer: d.? :ghrT, nn sees L-s rim;,u ptr;r n :,nix ,oJ'Atil _H't r,: right t. ss : - >s , _iniln: Ire I,M. II ,I! ,: d':- :riRr!, ,I: :nr n'r[ ,rd y,u ,:r Frill dlm ,C tied rOh me pe:h,re, ::,nu:[ us Ill y,,yryy), What ha d n • Aoco4mt is Sit—rid :9e n,q J,Fe .r sus':ni l a F at. ppens� ly F pu!,;;,un[nd }vu!:igh[r..Ctrn :r,Jlt P.�. F. 7C2 R ,ny rin'e tin] t., ,ny ,- ,s :n,, - +•en Z Y. x? -t in default ,A : :n,tY pu-p -nsion :,r: tx Fell �,n-nt n err'F :a'ny. Sal[ L,t- �ig•. UT ;41 ynn ,; ;punt iF ;I s,9 n ,u prni -i yeti crust 17 pwp aping yam St ela ;,d ,:ti , ; ounL :) :.are -1 ,II ,uUU,ti- It . t 3i J.•v,y ,Il 'aVi ,d ,:d a :; :4s :h -;k., ant 41 n,n.a :rY: s. "'hL ear in•rwsCgae -. m- snt ,ul-s ,pply O me ]�ryaf. -i err ,unr ee 7i>:usszi 'ut>r;. Ma, ply :ern - . ply a y ou r:v us, awn it m -y s:- :- :h, :ged n ,it: me a;;.unt \ :up :bs -] ,r s, pen:kl inn- ; *; :•n. w• -nil! :.f y,u .u, i- :.i >on. ?t MA pint it .,� d,iuk I- . s :e'm ,n'.wrc ,ni F lu i. nn Fny re ,r,y How do I Mall Pavntents At n,y tier e. y.0 n -�y p, }' ihr n'i,:irrun pvynar � vc U6A unp,id tA,n:e, .r ill nr.ur:t In I',prentr r. =i y t- n,i- in pelt• -r,l s :, }T rt,l ;7,e m:F::t= 4d,n, ,C,n piv,ry p.raji— sae .u, r::t:ie ,t tl =,dine ty 4,;114 s: + :,�. :,pitE.r!e.�nr in:, }uu ,...tine F 2'A1 one.,,ph,l ; tr is,t,- „Ily,egist,e]sen.9 :t-rk M ughn -t-J. d) Trl:y:h.na V.C- Resp,e- iY,A' ty dialing 1 -E� > ',5- 7;,7;' nd JAI —irg die v.i :r pr Fri. l "Tr :n y in, IF ph.ne p,pr -nt m,.:,g, .ur :••,ke respnFt Fynen', y.,u •nrhni¢ tie t, inivm •m ASH ., et:Vani: ply ?r'entdUR rill t ,nk ,::.sr Fnu's ri ay t r.4r!:i :,s :n run ;�, :n tent ,: 11:11 :,, ..an ,. de =,n - d- y 'I ;trlSng�.u: let-ph: ta, l A=- 3Si':;7'; "d {:r:,,tiiny y: u, itb :' --Id.n c, .u: l- Tres :nt,tix : -: 4) R-- -,I rlli t}' li AI sh,, Wd te sera c m- a A lily aJ]:- F p :.sit e] nt :Ye t:,T[nr' FnU.n :F11 Uhic s4R- :rK� Eli To change or update your address please call 1- 800 -258 -9319 or visit www.capitalone.com /solutions I z z z z z H W o n m m y c ro z n �� o H H� n z ro v n H 0 0 ° ro n N y c ll o z m n K r E z N z �Z z n N r H ro M H y fn E n o {{77 m y o 0 o H H n •• 2 K° H •• m •• ,'i! .. N 71 N ',D n C H H zz N 2 �Iq• I b y + 7 (Iqp I m I °T CC °�81 T ' N C u c 3 H Rl H H Z 0 0 C*1 ro o� o H o o° � r r '� N ° x N 'A I m o N H •, m w ro N ro ro m z o r ro o o y N z m z C W H H z ° N y m M z m N m z m n £ n O 1 0 w N zz N z w N O O f 7'. C•7 O m O 'U N o N O G O N N N __... .. N _ O_N .__.._.._..... ___. H_R7 .••. _ In o � LWn O In N _. (]__. __. ._ .. _. _ __ ._.. _. _ .. ... .. .._. _ _. .._ _.._. _ r2i H r o ° H R y 1 N N 5 N z O H W 0 01 N W n 0 O K . a [?^ m ro n x [ K O z H w z n m� gC,, N m m N V I z n " 0 n m n (� (� rCr H n 10 n °• y y n C K ro i° n C C C 7 X n z K O H r H H N m 2 O H O o •• H N m m m z z r C N O z K m O O o ff o h ro 10 ro o o °K 71 71 CpH x +n ` °� H H H n IP Z G1 W w o m R H H z N N O 0 W �U J O H ° Z W n O yyyyyy m O O N W O o 2 o O H r •• dP W I� I� O O O O O H o N n 00 N W Uy nl 'y zGO zC. H N O N \ O n £ I 2 RI .R1 �ry3a1: N z r CtCYgY"' O •fin K 'L 0 H O z 'yy o � • A ° W CO 3 N m$ H O Y n O o '0 N H o ° H r N m H zz n m N N N N z ro ro O O O O O t O K N C O 5 N 0 0 o O O O I 0 0 0 o m o 0 0 0 •• •• •• •• o O H [ O W m m Z Z K O O O m R y J W N UI O N ?� Hl n lu N o O ro n I o 0 0 0 t°il Uou w a m yy • �� 7 ]� ��o o C y n H H N W `O � ro 5• 0 0 y K n Iii m H 0 09 1, H 0 . ° r . n N m H roo N Z 71 H O O K N z W N N N H H I N H 0 w z 0 0 0 0 o O o o N l0 N O W �n O I TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS- AMOUNT POSTDATE C/D FC CARD NUMBER 08242012 PAST DUE FEE 35.00 08242012 D N 5178052433636012 NAME: CHRISTOPH A KLEINE CUST TYPE: 0 PRINT AREA: 090 NUM OF DEBITS : 00002 AMT OF DEBITS : $50.51 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS- AMOUNT POSTDATE C/D FC CARD NUMBER 08272012 INTEREST CHARGE:PURCRASES 1.39 08272012 D 5178052433636012 08272012 INTEREST CHARGE:CASH ADVA NCES 49.12 08272012 D 5178052433636012 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - I i I 1 D, 6t Take control of your finances today! Call 1- 800 - 258 -9319 to get up -to -date information about your account and make payments. It's not too late. Call now to get started. Your account is being serviced by Capital One Services, LLC unless you've been notified othervvise. Please note, if your account is being serviced by a third party, then your call will be automatically routed to them. NOTICE: PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION Cap ■ "�j Page 1 of 1 Customer Service 1 -B00 -256 -9319 Aug. 28 - Nov. 27, 2012 www.capitalone.com/solutions I MASTERCARD PLATINUM 5178. 0524 -3363 -6012 IMPORTANT ACCOUNT UPDATES Your full balance is due. Any payment you make will reduce your I NEW BALANCE PAYMENT DUE DUE DATE balance and help pay off your debt raster. The anount you owe may differ If you've entered into a separate payment a9reem.11. §2,480.66 $2,480.66 Past Due I Available Credit: 50.00 i i Previous Balance Payments and Credits fees Interest Charged New Balance 52,480.66 \ 50.00 50.00 1 50.00 I 52,480.66 ACTIONS \ PAYMENTS, CREDITS & ADJUSTMENTS FOR CHRISTOPH A KLEINE #6012 Help is Available. FEES Total fees This P Just pick up the phone. erioA 50.00 INTEREST CHARGED Total Interest This Period SO.UO Call 1- 800 -258 -9319 and a specially trained agent will be happy to help you check your balance and make payments. TOTALS YEAR TO DATE Total Fees This Year 5130.00 Total Interest This Year 5363.53 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate Uri your accourd. Type of Balance Annual Percentage Balance Subject Interest Charge Rate (APR) to Interest Rate Non- Interest Bearing 0,000% 52,430.66 I 50.00 1 I j PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE 1 5178052433636012 27 2480660000002480662 Account Number: 5178- 0524 -3363 -6012 Due Date New Balance Ain mint Fndosed Manage your Past Due j l $2,480.66 a ccount online. AQ Visit www.capitalone.com /solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. CHRISTOPH A KLEI NE 402 NEALY RD NEW VILLE, PA 17241 -9472 Capital One Bank (USA), N-A- P.O. BOX 71083 CHARLOTTE, NC 28272 -1083 rIIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Fear is the Interest Charge applied? Inv. -tp hN,iee e::rue ?IT.r the ll ]•,r= ut the ➢•,nt'a :➢ >n, T! 3,1e • We:•nnr tt,yu i :II' : :t the nu -xd i :, �, :4ti- r :pint y:u •.t J-14 1T- m di•,r :n'UUNL the u' ins:,: t!' m6 F 1 ,441 :1it3114si :,tt :d•nd,y,1 The tilky F -ri,J. ITtt, eA ih,y-s u: :rut is, 1 —ry • Tht'. hal;, it, : ji' tUn!:", y— inmy ,u!et,T tn'em.,ndv : <n,•y_nhenu: U:h,rjt yn, Inv ,st,nthar nr,urC. unp,i] ,,, was until F h F' nl lull. IF - .. 1.7 le=erye the 1131itt tl cat ,ss•a inrv:r:T :h•,yee "t •m'i tint- Put_ it .,•: ]eL=In 4, tht n",J-,nkch, you rill n, —OF,y the m'UUra in qu,sfrin;,: anyint —tn: JN How rid you Cal white the Interest Change ? In— •mst.- A :u!,tbny thd,rt us,J U leTNa in, Rte IH,C-Ju th',[,n'UUit. - yaUr Uwl in4 r. -s J" • `.Phil's ys J, lot h— U . the ,n,unl. in qu -Yext until vre -NIJ y,u ', nk.,- ,t n the ,u ,ne it Ux 1. T:.; tr•,^ uulf:, i! yE', i ,n:e:1)itatlilhihe tl:nr sfi -ny:in a: .nt :h•ngx1:,R. 2) FUr .msG�•,li yau a:e rtypnsiNetn the ran =.in1.1 at that -e. - ,:h],y,h•L Full —Tthe p, •den[ ::re]i[e,,nd,di!.5 :- nts,s� th,l J,y. Pre t,suhi =m -J,1T . :.P, :,n,Fc:iy :any rnrF,i ,o'UU :R,yin+t yU•m :rdlsiiu it. int ,ettte.1 D t,lme 2. Tu Ind yrur.Asi1 je ir,ib; blL- >t -Bt •ninj F,hmce: It �]tl:e J.nv inrNest.te'ri:y t,hn :x to[ae4lel 1•.nhin 37 ],ya of am - -il L 6 rill ietj •.'n:, vlcen n,f, eyayiniry =d'N L1,t- ::me :R] the en'; :U J2;t,•i m th t td ",h t t t t t n P 11 it.- e. Like, the tn;, ,r 3 EAl; !e y, IT.,N1 Ir —je-1ytd, :e c7 the -:1, F.-. I.a],:,,:,T] - 2) il'uK.ly eN,1[ —., te! :A iy y„ to ilRt!e Ia[ -Y :,e In eRe,l You, Rights If You Are Dissatisfied With Your Credit Card Purchases. 11 y :u,re JlssaeH!,d v.ith cat 3-]: NO[_: U!r Ul,,undny. t,hne,Jjust' tic, xlttu:n =]F, y +rt-, rhi• :.xl :ul,r.7n ir,y r,ry i.n:he inn -rites ih,[y.,uh,se Furth- sirith y ,ul:.re]it ::l].0 :li,uuh,•:eDied in j.A I,id.Z. :One.[ d, p:,tlen' ,h, '.;s.1 x41 ti tr_,•,i u ra t- t.t d jhr r,tb F,ytr -rer, 9 ur,un- l,- xm-Fu1 -h -„-T .. t'srijhl Is the Payment Uue a PavnH Arnuvd T HU. AEI yt,t -] ,n',unt ,e '—d ,!! me J,ie :,1 The e[,t -NIT, m, lulUxir:; rl n - .r to It H;—rer. tei —e inr :rst f,t: :h:yes :n] otter ch�m, -s niyM :h,:ye !;�m' J,y U 7,y s Frni7.] iu -n ,v N n'I, t! :,rr,UTt moo -:,i rr. 1e r I-- i_'I y- pey T , ux hr--u -]"cnn ,e]iT :m1 ?: an:! Ise- Pm :h,- esn,7r ritll :rsh,]r,rl :as h,n :n ATM , auih j - s r � a :,I -x_rr :-, he l?Y — r twit need m' R,w•r er; yUU ..UUrTU A,.i.l h—. nl * } , :Freer: eid, :d.?ls, ,.h ::k the ,-- J :], uun "d n,t: m',t tlr •nr n,nt yn : :,r :r,y Jilf ! i! y,uyr tneleJ inU , sepn',It .,yrrin, ,aan j: :n n, Pit.— :,II rr'r;t! yet ym h,, wuy F,a to! the px h;lt. the nrnr'tel n;T :stint,; me tt,t :n sit :: ,n ta, :rF,y,h,n an.t Are there Additional Fees assodated with try a acourrt7 "ts, nJN rihl Jr Alois, u!: n'ybe Il,l;t car afteii „t: :r- ,rtrt'e[md•pu „e nill]iss ,iHi -1 cith t•, =pm :hse. :.om.,U Ue :nr�in,o'a ,srsst]', r ^,,rmu,1 Rr)n; e!r Rte. "bu,:•11 alta t. requieT U F'g , r ell ,! Uur ,:➢rlI eolltte,n taFtnsas. "Pt'! ter, P.D. P. 3u285, islt L,ke Cie;, UT E41;r -:2e5 ,U;•n -y 1•- r J n t t -. it, - u - c, I t to ,• n I - .Y.- tie r ;ht t.. :s rRn, u.,„ I.t>, ,: rfM,,n,.yu j - :r ,IL - I,. r '•Vh_vt tj m •' i0e ]'F.n U :uT r "� °• •"i ne. ,,.. . illy, au9 -,i At T,.Fr h,, ls.e lhn.,_u_ .,h,nsr,u].•_.], nn F,yrx Hnn• do I Make Pavrrerlss 7 P,,, -A ent y,u it ,,j =, ::kre ,'511 to :.rt Jilt] U ysu: '1- 11[,s:,! the n,y!el::nt y,u ,s delinqu -1, tue ss i,yd:^y,r -- .l,•e]. ubnj,.Uyaustn]ma b2m p!t,u Ul this st,L•n'trr,n]y,,x tketk I ih U: ] : -'[ a 1 ) {: t -. ] - ,?.t. Y F .... j n- • tT Who is my S —ic.”? y,u• :..: un[ , t- iij _- d t l :! I- n, LL en n Afle1 Fr la.' dr'.. M. ,. ,lus. _ :,, . . • 71..0 m. ” _n,' _ 1 d.l ,, ti,. d P "r. r...-. s-'J ty - rs, -ns r; 7— : t- j - „-. ] ty ,!h i F,rq•, :,1! r ,i. _, ?.It,l 2- s it nUr,T -:I y Due,t,ny:nh,r l :c,EOn Ur in,ny Umyr I'ii iT,yn t :e -editJ the J,y try me!e :eier]- to rUU:,]c• men. Do you Process Paper Ched s as an Eledmnic Funds Transhr 7 ,ST.eI. yx, Fr: •riit , :hrk ',s State, and Loral Disdosures. It y,h: rr : -i,': this s[,t -1:: -rrt it, -sitttiwL cat fi3lnit :t �lunti',, l,r;,. Ntv: Yank F'.,yn'er, y.,u ,umvic, u= ,n] :,ui ,j3enn t *rh, r, US- ina,,lr; A— I,- put :.h - :t U n',k: , Un- -ere Oty, i, N:ndl.•,nl?n,. ,tI yina A::.:,urrt inr�!,�s, Jet[,s:•:] p:9 ,,it, L.! Fers.m,l, rattily. h urhAd ,r �Ihtt eltt➢xhiamd trmist- lh :ary.,uli: :psF, :—!:,, Upotess J!rpe}sr't;c us check ➢,ns, :ti,n. Wl+<° tU!eu!r -r pmF?se;4, Ur ii "vu re :•iY -ms m,r rrtn[in Y- nrnuimsFet& :A 1h trawl, Ul the J_ ei:h - L_s . -kU rr,ka., ,: la du- ,,J rnmir.,,r It - _,, nr,, the tUll.,xirj➢ _. ,..r,qun -]ty r,_nl,,„ :. :LFain :ount,y .gym ,s me s•nre J,T Ye: tiire p,yn ills and y:n: xdl!unt %ei¢e yvm It b,d: t!:nr your tinmh :ial ingiru!i:m. n•n ,uthxidlon is rut 1nRe] ty tht ]a[ Un the the :k. We it, esuUrF This is an idtan" to called a Imnsuned debt (doing. Any irtomwtion - .7tle:➢,niT,lly:.uIlet me Tinid :pl ent. obtained will be used fin Purpose. What'd I file for BanAuotcv 7 I? t-- ,!t .;at: U tanbup:T pr rte :Gin. CTy :,r.'I :un'� :,tbn is tUr inl;,nr,ti,n xrly, Fit n:, 1, n, �rrpU- .Ne :1• :,sses ='r.r- :Urel,Jettx :l,in r. i.o n,t wend us F, ysrerts T[iti :�IbvAl :j its :i:,sul -is lx:jutr:.]ty :t,C l,v :Y; ::ur.4: :;,untin,:'!,^e, Jett :x,j Erin mil ". ;imU dsF aknlv.d Y ^- w hit, cull.y,txnayxthe Pm: buFt :T;UUrt.Ilyuh,r- que;5.m',tsdy.x U!FtrvUn,l nit•. Yust lJ,i,t- l:,— in:NFurF,c;yl,nd711 i,< tNS'IttlNit -1— Uun[ x t >mAruFCy Fr:, :,e]i :y. 4le,re h-- y.,ur ;nniuy:1il ue. It pu.l,.ui ,ttxnty ,':!u!J like U :,citij ur t,1bijPt7 Jim s,I,i :tl]ir pl- ,st_,nait:,piGl ati. r, C-?:,. z5. i,It Lok :ity. TYns :,rrn'uni :,:ian i = fix, , Jttt,,ll A— UT -41st: a2 The I,IUrirg iis:bNne k itquir -' ty .Le I,,.- B Y,u rt'.-ivt Chit - ,nnuili :,rnn in riirn es,T,: BILLING RIGHTS SUMMARY ;DUes Ns Apl:ly cl 511 E.A: tee k :,unL -) This collection agency is licensed by the Minnesota Depart—nit ntco --. What To Do 6 You Think You Find A Mistake On Your Slatemem: It you mint cant is ,n en,r ,n The lalUxinj i'i=tbsur- is rYqu- Ly st,R I,r: 1 yrur A_'UUra in"lr -=, ] -tt Uxz] ?:'in',lily:,, l:er ,n,l tinily, yxn srTITN' 14 - t- -U uv,t h -t Jl xhtl - :-.,in pnF,se: i ,!d y u rj -ema Uri; leaf, in M,sn:.hu,-1t: -plr,i Line. P.D. Btu 3J2e5, 5,11 L,kr 51y, UT 8413[ -.285 NOTICE OF IMPORIANI RIGHTS: YOU HAVE THE RIGHT TO MARE A WRITTEN OR ORAL REQUEST In yin Itmr, fire us The tUllm icy ins nr,tl,n: 114AT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF • .4'. :UUnt irdxn',li, n : 'i,U! nmr't ,nJ ,::UUr!t nu!rte:. EMRUYMEfH. ANY SUCH ORAL REOlR:ST WILL BE YAUD FOR ONLY TEN DAYS lMLE55 YOU rhe JAI-x ,r! -,eTt ,t the N,„p tt] nr x. PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARIED OR DELIVERED WITHIN SEVEN • fes:.lidiUn,l PistIN , It yu thirst thee iy,n?-, ,in ;— tin,]e =trite v. T,[ yvu tenere is rt:,n ,n7 DAYS OF SUCH REQUEST. YOU MAYTEWAINATE THIS REQUEST BYWRITINGTO THE CREDITOR xfi - y,u t elites it iy , n'isOkt. This I. nU[ ,::nrFlze list Uf the lijht dl,t y ,u n'i jh: h,s- -.The [ ors ,tvse uh m!r ie:.ti:m •,ry ]dine] ty,FFti,Ile "7u Host - alit us Y.ithin 5;: 9,}� ,It: r me t-1,pp: -ne] :n! Yin. 4I:N, N L st,t- x I:.:,I 1 —, Pu! su,!n 15 U:,: 1532 •,;Si;FI ,,,J ;F; :,t m- F,ir f-,& -,Ile :t!:,n 1 :t= A:t : l ae i:•rrkts. Y :unusrrrrly us'A,rr F,t -rri,l -rr:n± Y,un,y:,ll us nos!yus z!- ,e:nu :,lu h,I -,. J, LLC iy-1n rd Jett iAle :Ur wide[ tJe, Al,,:. t1 U 4w. ,Z ,fly F ma w 4 F,y 9,- ,r:':unt in ,otitis,. We cif m,[1y you !,. r:mna rimin 3C ]ash: o? oa! I J: a: ?y ,., llrmr. !nce:i jne n D,Piul 01 :t supp,,* h:ionr,ton Friv, :p poeam ete,ul v, ^3sRe of enx :. :,Fitalom. :,rr n,[thne h,s teen ,it enx the fUl!Urinj,le I :LLr 2Ct2;,Fit,l Dnz. C,FicA O iy,ltj-. AIr I, ; It—j ser,i rank Al lightsiestrr -J - A.ti.l12 To change or update your address please call 1- 800 -258 -9319 or visit www.capitalone.com/solutions 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 i 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: ! Credit Limits. "You," "your" and "yourself" mean each applicant and co- When you open your Account, you will receive your credit applicant for the Account; any person responsible for paying limits. These will also appear on your Statements. We might the Account; and anyone You authorize to use, access or also refer to your credit limits as your credit lines. We may give I service the Account. It also includes an Authorized User as you different credit limits for the different Segments of your defined in the Glossary Section. Account. For example, you might have a different credit limit "We," "us," "our" and "Capital One" mean Capital One for purchases than for Cash Advances. 1 Bank (USA), National Association; and its agents, authorized representatives, successors, and assignees. You are responsible for keeping track of your Account 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 i 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 Account has rewards; We may also increase, decrease, restrict or cancel your credit (4) any Privacy Notices describing our limitations on sharing limit on any Segment at any time. This will not affect your i 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 I Account. The most current version of your Card benefits You promise to follow the terms of this Agreement as long brochure will replace all prior versions; as your Account remains open or has a balance. Please sign (6) the "Security" Agreement if you have a secured Card, the Card immediately when you receive it. The Card is valid (7) all disclosures and materials provided to you before during the dates provided on the front. The Card is our j or when you opened your Account, including Truth in property and you will return it to us or destroy it if we ask. Lending Disclosures; You wil take reasonable steps to prevent the unauthorized 1 (8) all other documents and disclosures relating to your use of your Card and Account. Account including those provided online; and (9) any future changes we make to any of the above things. We are not responsible if anyone refuses to accept your Card for any reason. Also, we may reject any transaction for Please read these carefully and keep them for future any reason, Unless we tell you otherwise, we will bill each reference. An image of any of these can be used instead of transaction to the applicable Segment of your Account and the original. apply it against your available credit limit for theAccount and Card for that Segment in each Billing Cycle. New Offers �we might make new offers to you or forward You may also obtain Cash Advances and Transfers if they are offers from others that we think you might be interested permitted for your Account. Unless we agree, you may not in. These offers may have new or different terms and use a Transfer to transfer amounts from other Accounts with documentation for these offers will be 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 gambling transactions or transactions that are illegal or not I 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 I 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 different); (such as system failures, fires, floods, natural disasters or other (3) your date of birth; unpredictable events) our services might be unavailable. When i (4) your social security number or other government this happens, you might be unable to use your Card or obtain s identification number; information about your Account. 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 I i information and terms about our rewards. We will include your request, we will need certain information about the i 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 1 appear on your Statement. in the Account Information Section. We may limit an i 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 yourAccount 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. 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, 1 fulfillment; your Account is overlimit; or the checks have you must contact us as provided on your Statement and i.... expired. Any liability for our wrongful dishonor of an Access request their removal. We will have a reasonable amount of Check will be limited to your actual damages and will not time after your request to research the situation and remove exceed the amount of the Access Check. them. You also must immediately destroy all Cards in their possession and cancel all of their billing arrangements to When you use an Access Check, you will have fewer rights to the Account. We will not do this for you. During this time, 1 dispute merchant transactions than with other uses of your you still will be responsible for all amounts they charge to the Card. Please see the "Billing Rights Summary" part of your Account. You will be responsible even if these amounts do not Statement and your other Truth in Lending Disclosures for appear on the Account until later. An Authorized User may more information. remove themselves from the Account upon request. Stopping Payment of Access Checks. We may close your existing Account and /or issue a new Card You may request a stop payment on any Access Check by with a new Account number. contacting us as provided on your Statement. We may charge you a Fee to stop payment as described in the Interest Your Promise to Pay. Charges and Fees section. If you call us to stop payment, you You promise individually and jointly to pay us all amounts due must also send to us a written request within 14 calendar days. on your Account. This includes amounts where you did not sign a purchase slip or other documents for the transaction. 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 rights against the payee or other holder of the paid Access balance of more than $1.00, or if we have charged any ! Check. You also agree to help us in any actions we might Interest Charges to your Account. Your Statement will show later take against that person. all transactions billed to your Account during the Billing Cycle 1 along with other important Account information. Using a PIN. s. 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 purchases at certain merchant or retailer point -of -sale devices information in the Statement is correct. I (POS). You may do these things if the ATM or POS requires ! entry of a PIN and displays the logo of the Payment Card If you dispute a transaction made by you or someone else on Network on your Card. We will treat all ATM transactions as your Account, and we later credit your Account for all or part Cash Advances and all POS transactions as purchases. of the disputed amount, you give us all of your rights against that other person. You also will: You should keep your PIN secure and not write it down, give it to anyone, or keep it with your Card. If you lose your Card or (1) give us any merchandise or other purchases you received i believe that someone has gained unauthorized access to your in connection with the disputed amount if we ask; I PIN, you must contact us immediately. (2) not pursue any claim or reimbursement from the merchant and that other person; and Authorized Users. (3) help us pursue and get reimbursement from the merchant You may ask us to add one or more Authorized Users and that other person; your help includes giving us with additional Cards on your Account. If we agree to documents that we ask for and that are acceptable to us. 4 � I l S Interest Charges and Fees. Merchant Refunds. We will charge Interest Charges and Fees to your Account as if you are entitled to a refund for goods or services purchased disclosed to you in your Statements and other Truth in Lending with your Card, you will accept these refunds as credits to the Disclosures. In general, Interest Charges begin to accrue from purchase Segment of your Account. We do not control when a the day a transaction occurs. However, we will not charge you merchant sends us your refund. We will also have a reasonable interest on any new balances posted to the purchase Segment amount of time after we receive your refund to process it. of Your Account provided you have paid your previous balance in full by the due date. Minimum Payment. We will treat the following Fees as purchase transactions unless Your Statement will provide instructions for making payments, i otherwise specified below. These Fees apply to your Account including the amounts due and the due date for receiving only if they are provided in your Truth in Lending Disclosures. your payment. If applicable, your Statement will also include a We may increase your Interest Charges and Fees as described in minimum payment amount. To avoid a late payment Fee, you the Changes to Your Agreement section or in your Truth in must pay us at least this minimum payment amount by the due Lending Disclosures. date provided in the Statement. If you have agreed to incur Fees for going over your credit limit, be aware that paying only the j • Membership Fee. We may charge you this Fee as early as minimum payment amount might not be enough to avoid an your first Billing Cycle or the first Billing Cycle after this Fee overlimit Fee. becomes effective. If it is an annual Fee, we may then charge In addition to the minimum payment, you may pay all or part it approximately once per year. If it is a monthly Fee, we may of the total balances on your Account. However, you must still charge it once in each Billing Cycle. This Fee is payable in pay at least the minimum payment amount each month, even if advance even if you do not use your Account, you paid greater than the minimum on the previous Statement, j We will continue to charge Interest Charges during Billing Cycles • Late Payment Fee. We may charge you this Fee if we do not when you carry a balance regardless of whether your Statement receive your payment in time for us to credit it by the due date includes a minimum payment that is due. If your Account is 180 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 rlimit Fee. If you agree, we may charge you this Fee when a transaction causes you to go over or remain over any of your Making Payments. credit limits during any Billing Cycle. We may also charge you Your payments must be in U.S. dollars from a U.S deposit i_... two additional Fees if your balance remains over your credit account and otherwise be acceptable to us. We do not accept limits as of the payment due date in future Billing Cycles. You cash payments through the mail. You may not make payments will only pay one Fee per Billing Cycle, even if you go over your with funds from your Account or any other credit account with j limit multiple times in the same cycle. us or any other company within the Capital One organization. • Returned Payment Fee. We may charge you this Fee each time Mailed Payments 3 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 1 will credit it to your Account on the day we receive it, if: j • Returned Access Check Fee. We may charge you this Fee if we do not pay an Access Check for any reason, including when (1) you send the payment coupon included with your Statement your Account is in default, overlimit, suspended or closed. in the same envelope with your payment; • Stop Payment Fee. We may charge you this Fee each time you (2) you include your Account number on your payment; and request us to stop payment on an Access Check or you renew an existing stop payment order as provided in the Stopping (3) your payment arrives at the address indicated on the i Payment of Access Checks section. payment coupon in our processing center by the time • Copying Fee. We may charge you apex- -page Fee for copies of indicated on your Statement. 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. I payments, any payment received the next day which conforms to the above requirements will not be treated as late. • Cash Advance Fee. We may charge you this fee each time 1 you obtain a Cash Advance. This Fee will be treated as a Cash Please allow at least 7 days for postal delivery. Unless we or our Advance transaction. agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any other l • Transfer Fee. We may charge you this Fee each time you form might not be credited for up to 5 days. This might cause l 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. which the Transfer posts. Faster Payment Services. Transactions Made in Forei 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 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 conversion rate in effect on the processing date might differ may charge you a Fee for using them. If we do, we will tell from the rate in effect on the transaction or posting date. We you the amount of the Fee at the time you request the service. do not currently adjust the currency exchange rate or charge any We are not responsible if a payment made using our payment additional currency conversion Fees. services is rejected or not paid. Even if it is, we may still keep the Fee. No Warranties. 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 I made with your Card. I 1 3 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 y our Account, you will be responsible documentation, or you otherwise tried to defraud us; i for the payment made even if that payment is rejected or not (7) you do not comply with any term of this Agreement or I 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 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: j 3 When you provide an Item as payment, you authorize us (1) close or suspend your Account; I either to use information from your Item to make a one time (2) lower your credit limits; 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 E 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, j converted into an electronic image and collected and returned You must pay us all of our collection expenses, attorneys' fees electronically. These electronic images may also be converted and court costs unless the law does not allow us to collect to substitute checks: We will not be responsible if an Item you these amounts. provide has physical features that when imaged result in it not being processed as you intended. Communications. 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 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 Items with Restrictive Words, Conditions %ialer "); or Instructions. (3} c conntact tact you at your home and at your place of employment; All Items that have restrictive words, conditions, limitations (4) contact you on your mobile telephone; or special instructions added (including Items marked (5) contact you at any time, including weekends and holidays; with the words "Paid in Full" or similar language) and all (6) contact you with any frequency accompanying communications must be mailed to and (7) leave prerecorded and other messages on your answering received at: Capital One, P.O. Box 30285, Salt Lake City, machine/service and with others; and UT 84130 -0285. If you make your payment or send any (8) identify ourselves, your relationship with us and our accompanying communications to any other address, we may purpose for contacting you even if others might hear or accept and process the payment without losing any of our read it. ri g hts. Credit Balances. Our contacts with you about your Account are not unsolicited j and might result from information we obtain from ou or We may reject and return to you any payment that creates a others. We may monitor or record any conversation or other I 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 j 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 I receipt of your written request. or you contact us. Account Default. If you ask us to discuss your Account with someone else, you ! We may consider you in default of your Agreement with us if: must provide us with documents that we ask for and that are (1) you do not make any payment when it is due; acceptable to us. , (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 i (5) you die or are legally declared incompetent or include negative information if you 'do not comply with the incapacitated; terms of this Agreement. We may obtain and use credit i i f and income information about you from consumer (credit) l 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 Closing or Suspending Your Account provided by Virginia or the jurisdiction where you live. If any You may ask us to close your Account by tailing or writing us Part f this Agreement is found to be unenforceable, the i as described on your Statement. Your Statement will provide remaining parts will remain in effect, j additional information about this process, and we may also Waiver separately provide you with additional details after your request. This might include payment information. If you use action � reason of or if we do not you. For example, any 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 We may close or suspend your Account and your right future. We may always enforce our rights later and may take obtain credit from us. by law, even if you are not in default. fo other actions not listed in this Agreement if the law allows any reason, permitted by may do this at any time and for them. You do not have to receive notice from us of any l A suspension of your Account might be permanent or waiver, delay, demand or dishonor. We ma y proceed against temporary. you before proceeding against someone else. If your Account is closed or suspended for any reason , Assignment, y ou This Agreement will be binding on, and benefit, any of your I must stop using your Card. You must also cancel all billing and our successors and assigns. arrangements to the Account. We will not do this for you. If we close or permanently suspend your Account, you must You may not transfer your Account or your Agreement to also destroy all Cards. You must still pay us all amounts you someone else without our written permission. i owe on the Account, even if they are charged after your Account is closed or suspended. We may transfer your Account and this Agreement to Lost or Stolen Card another company or person without your permission and You will take reasonable steps to prevent the unauthorized this Agreement You must payhthem will take our and perfor of your uner 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 any way calling the telephone number on the back of your Card or we think is reasonable. This includes returning the payment on your Statement or by writing us at the address on your to you or forwarding the payment to the other company or Statement. You will not be responsible for charges made to person. your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made Glossary. using your Card, you will help us investigate, pursue and .. 9 P Access Check means any check send to you access get reimbursement from the wrongdoer. Your help includes your Account. We may also refer to a j an Access Check as a giving us documents that we ask for and that are acceptable to us. "convenience check" or a "purchase check." Changes to Your Agreemen •'Account" means your Card Account with us. At any time, we may add, delete or change an term of this i g Y "Authorized User' means one or more persons who ma Agreement unless the law prohibits us from doing so. We will use the Card but is not responsible for the repayment of t y JJ� he 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 i You electronically as permitted by law. Our notice will tell ou l when and how the changes will take effect and describe any described nyour�Tr in ending psclosures. our Account unless th 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 a '• up or down as the index for the rate goes up or down. If we of time is described on each Sta Statement. t. Ho ever, ll 1 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 Cyde by the month in which I of your Account we will notify you in writing and inform you its closing date occurs as provided on the Statement For so me of these changes. . your options in advance, including the right to opt out of example, a "March Billing Cycle" will have a closing date so in March. We may also refer to a Billin g Cycle as a "Billing Period." If We may increase your Interest Charges for new transactions switch to quarterly B Cycles hayou c o ff, may and your Fees after the first year of the Account. Also, if your I payment is not received within 60 days after the payment *"Business Day" means any day in which Capital One's due date, we may increase your Interest Charges and Fees for offices are open for the processing of payments and credits. existing balances and new transactions at any time. We may change any other terms of your Account at any time. -"Card" means any Capital One credit Card associated with your The Law that Applies to Your A Account, which includes all renewals and substitutions. It also We make decisions to grant credit and issue you a Card from that allows you to obtain c edit �ncludi g cou number ou our offices in Virginia. This Agreement will be interpreted using and any Access Check. Virginia law. Federal law will be used when it applies. f You waive any applicable statute of limitations as the law .. ' allows. Otherwise, the applicable statute of limitations i Cash Advance means using the Card to loans in cash or things we consider cash equivaleo obtain Cash ? I i equivalents include wire transfers, travelers' checks, money orders, foreign currency, lottery tickets, gaming chips and ash J to the Se 9 g ment of you Account are and not to your pu chase Segment. "Fees" means • not based on the Annua imposed ercetage count that are Rates. •" ed on the a interest Charges" application of Annual Percentage Rates. i baspp • "Item" means a. check, draft, money order Account This I negotiable instrument you use to pay your includes any image of these instruments. This does not include an Access Check. • "Payment Card Network" means Visa Inc., MasterCard T International incorporated, or any other network provider 1 displayed on the Card. i . ,, Segments" means the different parts of your Account we may establish that are subject to unique pricing, grace periods or other terms. We create these parts of your Account for such things as your purchases, Cash Advances and Special Transfers. • "Special Transfer" means a Transfer p osted to the Special Transfer Segment of your Account and not to. your purchase Segment. *"Statement" means a document or information we provide to you showing Account information including, among other things, transactions made to your Account during a Billing Cycle. We might also refer to your Statement as a "Periodic Statement" or a "Billing Statement." -"Transfers" means balances transferred from other Accounts to this Account and includes Balance Transfers and Special Transfers. -"Truth in Lending Disclosures" means any Account information we provide to you that is required by the federal Truth in Lending Act and Regulation Z. These include your application and solicitation disclosures, Account opening disclosures, subsequent disclosures, Statements and change in terms notices. C. ? * 2olo f-- tai {Sri C ;piul Om is a fv&tal}y pGg1swed service mark All rqhts tg6ertc_d RV600157 M -99488 8R 165892 k cor artM - ,_ Aar=MW . u.5 • 3 1. 2 9 P ! 4?: 01 CJIiN! i'`i' P ENHSY .VAr_ IA PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This proof of service MUST BE FILED WITHIN TEN(10)DAYS AFTER filing of the notice of appeal. Check applicable boxes.) COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ; ss AFFIDAVIT: I hereby(swear) (affirm)that I served ® a copy of the Notice of Appeal, Common Pleas No 13-4298 CIVIL, upon the Magisterial District Judge designated therein on (date of service) , 07/26,2013, El by personal service ® by(certified) (registered) mail, sender's receipt attached hereto, and upon the appellee, (name)CHRISTOPH A KLEINE, on 07/26,2013, ❑ by personal service ® by(certified) (registered)mail, sender's receipt attached hereto. SWORN (AFFIRMED)AND SUBSCRIBED BEFORE ME THIS 26 TH DAY OF July,2013 eig� O Signature of official before whom affidavit was made Signature of affiant COMMONWEALTH OF PENNSYLVANIA Notarial Seal Michael C.Sowa,Notary Public Plains Twp.,Luzeme County My Commla Ion Expires Jan.24,2014 Member,P nnsviv.r,IP Association of Notaries Title of official My commission expires on Qe,. , 20 i'I AOPC 312A-05 • U.S. Postal Service,. U.S. Postal ServjceTM CERTIFIED MAILTM RECEIPT.. CERTIFIED MAILTM RECEIPT -a (Domestic Mall Only;No Insurance Coverage Provided) (Domestic Mail Only;No Insurance Coverage Provided) m For delivery information visit our website at www.usps.come 0 For delivery information visit our website at www.usps.come fYl m - 0 o Postage $ 1-4 Postage $ r-1 `.0 C Certified Fee Certified Fee O Postmark Postmark Return Receipt Fee Return Receipt Fee Here O (Endorsement Required) Here cm En (Endorsement Required) 0 rz3 Restricted Delivery Fee 0 (Endorsement Delivery Fee O (Endorsement Required) (Endorsement Requred) O ru ruTotal Postage&Fees Total Postage&Fees ru ru �� ^ Sent To � 11r15}'t;� � , ��'��h Sent To /y�� -+},j -/ (/ b 1 - f7`)` rq tir /, �-(__[__l_l.._� W �� 1 Street,Apt.No.; ra Street,Apt.N. ("L,r) r- or PO Box No. 4 Q 6 i t ct t i P & O or PO Box No. r 1 City,State,ZIP+4 { 7 /� r ~ City,State,ZlP+4 �ilJl!y) Le oft� L- U✓7 I ' / 1 R i 1 See Reverse for Instructions PS Form 3800,August 2006 See Reverse for Instructions PS Form 3800,August 2006 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PENNSYLVANIA CAPITAL ONE BANK(USA),N.A. CIVIL ACTION Plaintiff vs. CHRISTOPH A KLEINE NO: 13-4298 CIVIL r • -' "C7'7 C-n s Defendant t>c7 c:) �= C= CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on July 29, 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 09-3-02 Honorable Vivian Cochik District Justice 55 PENN DR Newville, PA 17241 Edwin A. Abrahamsen& Associates, P Michael F. Ratchf d, E quire Attorney I.D. No.• 86285 120 N Keyser A enue Scranton, PA 18 04 (570) 558-5510 COMPLETE •N COMPLETE THIS SECTION ON DELIVERY • Complete items 1,2,and 3.Also complete A. Sig re item 4 if Restricted Delivery is desired. ❑Agent • Print your name and address on the reverse X ` 13 Addressee so that we can return the card to you. —B. ec 've y Printe Name) 5 -49 ?-?�3 Date of Delivery • Attach this card to the back of the mailpiece, / r,= or on the front if space permits. ll"rr , 1. Article Addressed to: D. Is delivery address different from item 1? El Yes If YES,enter delivery address below: ❑No �IS�r1C�' '(.CxAf� 09 - 3-0�z i V e,'Vvl(L r 19A- )-I 1� ` 3. ice ice Type Certified Mail ❑Express Mail ❑Registered ❑Return Receipt for Merchandise ❑Insured Mail ❑C.O.D. N 1g 30 "?3 4. Restricted Delivery?(Extra Fee) ❑Yes 2. Article Number (Transfer from serolce labeq '7 012 ''281q :,C10 0 '6'10 0 31136, ;. PS Form 3811,February 2004 Domestic!Return Receipt 102595.02-M-164Fy