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HomeMy WebLinkAbout13-5029 `COMMbNWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District, County Of FROM MAGISTERIAL DISTRICT JUDGE JUDGMENT COM PLEAS No. &. d 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. NA OF A I CS NT MAG. DIST. NO. NAME OF MDJ C II I i�A l�-i�. M 1�,T-0 -3 --y � � �A �(, t� E � F- K ADDRESS OF APPELLANT CITY STATE [IP COD DATE OF JUDGMENT IN THE CASE OF (Plaintiff) (Defendant)' C A P ITOL— O E BA vs CiZA ICS- kCRA P- �(Z DOCKET No. SIGNATURE OF APPELLANT OR ATTORNEY OR AGENT r This block will be signed ONLY when this notation is required under Pa. If appellant was Claimant (see Pa. R.C.P.D.J. No. 1001(6) in action R.C.P.D.J. No. 1008B. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial District Judge, A COMPLAINT MUST BE FILED operate as a SUPERSEDEAS to the judgment for possession in this case. within twenty (20) days after filing the NOTICE of APPEAL. Signature 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 a'� i'� [� (R }NK appellee(s), to file a complaint in this appeal .Name of appellee(s) (Common Pleas No. C within twenty (20) days after service of rule or suffer entry of judgment of non pros. 0 Signature of appellant or attorney or agent RULE: To �`� (T�'�(� � 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. VINVA`11�SNNN — Date: � 0' � 100 } ONV183OWR3 V � p 0. - ll na ure of ro hono Deputy get �c wi cZ anv X101 YOU MUST INCLUDE q Y OF THE NOTICE OF JUDGMENTITRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. AOPC 312 -05 WEALTH OF PENNSYLVANIA OF CUMBERLAND _t Notice of Judgment/Transcript Civil Case I\Aag. DistNo; MDJ- 09 -3 -05 MDJ Name: Honorable Brenda M. Knepper Capital One Bank (USA), N.A. Address: V. 507 North York Street Craig Kraber Mechanicsburg, PA 17055 Te iephone: 717 -766 -4575 Craig Kraber 1705 English Drive Docket No: MJ 09305 - CV - 0000105 - 2013 Mechanicsburg, PA 17055 Case Filed: 6/20/2013 Disposition Summary Docket No Plaintiff Defendant MJ- 09305- CV- 0D00105 -2013 Capital One Bank ( USA ) N.A. Disposition Disposition Date Judgment Summa Craig Kraber - • - -- - Default Judgment for Plaintiff 07/26/2013 ........... ..... .. ............. Participant Joint /Several Liabilit Individual Li abilit Capital One Bank (USA), N.A. Craig Kraber $0.00 $0.00 Amount $0.00 $3,818.97 $0.00 Judgment Jud D ' " ..... ...... .......... $3,818.97 g etall (Post Judgment) _q.. ........... ._. In the matter of Capital One Bank , N.A. vs. Craig raber on 7/26/2013 the judgment was awarded as f Uu�m (USA), ent Component J USA N oint /Several Li i g Civil ability Individual Liabili Judgmen t pt Applie Deosid follows: t Costs $0.00 $3,701.47 Amount $0.00 $117.50 $3,701.47 $117.50 Grand Total: $3,818.97 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PRO /CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT /TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. U NLESS THE JUDGMENT IS ENTERED IN THE COURT OF COM iv1ON PLEAS, ANYONE iNTERESTED IN THE ,iUDGi%rNT 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 Js, a Magisterial District Judge Brenda M. Knepper I certify that this is a true n correct copy o the record o the proceedings containing the judgment. Date Magisterial District Judge MDJS 315 Page 1 of 2 Printed: 07/26/2013 11:02:26AM °Tff ICE °N0 T;l i? 2013SEP -4 4ff11: 4 CUMERL PEtdAISY ANI.4 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 0-Loy%6e . ;ss AFFIDAVIT: I hereby(swear)(affirm)that I served 13 r-1 a copy of the Notice of Appeal,Common Pleas NO. upon the Magisterial District Judge designated therein on (date of service)�,20 X by personal service ❑ by(certified)(registered)mail, sender's receipt attached hereto,and upon the appellee, e e>4�d§R N K 01-5 ,201,3 []by personal service(l by(certified)(registered)mail, sender's receipt attached hereto. (SWORN)(AFFIRMED_)AND SUBSCRIBED BEFORE ME THIS �j DAY OFSQT,p�_,20 tUe �C lure of'official befolie whom affidavit was made SignaturAf affiant NOTARIAL SEAL JEANETTE K RUTH Title of official Notary Public MECHANICSBURG BORO.,CUMBERLAND CNTY My commission expires on 4,20 My Commission Expires Feb 26,2016 AOPC 312A-05 COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District,County Of FROM MAGISTERIAL DISTRICT JUDGE JUDGMENT COMMON PLEAS No. 1-7? 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 DIST.NO NAME OF MDJ RjREWbA K KNEPPEK ADDRESS OF APPELLANT CITY STATE ZIP CODE- 005 DATE OF JUDGMENT IN THE CASE OF(Plaintiff) (Defendant)• 6)-1- -0-APITM ONE BAWK VS CRAICT X06EP, DOCKET No. SIGNATURE OF APPELLANT OR ATTORNEY OR AGENT C-1 V This block will be signed ONLY when this notation is required under Pa. If appellant was Claimant (see Pa. R.C.P.D.J. No. 1001(6) in action R.C.P.D.J. No. 10086. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial District Judge, A COMPLAINT MUST BE FILED operate as a SUPERSEDERS to the judgment for possession in this case. within twenty (20)days after filing the NOTICE 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 C-1 I'l-ALL- CA& Rotor, 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, 0 Signature of appellant or attorney or agent RULE: To L.A\ appellee(s) A "NTAL Name ofappeflee(s) (1) You are hotifiEdlihat a-rule is hereby entered upon you to file a complaint in this appeal within twenty(20)days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do-not"file a complaint within this time,a JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU. (3) The date of service-of this rule if service was by Moil is the date of the mailing. 'V1 NVAIASNN,3d Date: A-9fn A f1h 4-/ Avqnon. ONVI�39wno t�ISi of rohonota Deputy ge � wi a gnv cioz YOU MUST INCLUDE A,COY�f fY OF THE NOTICE OF JUDGMENTITRANSCRIPT FORM WITH THIS NOTICE OF APPEAL. ONOH108d 3HI AD J 1:1 AOPC 312-05 Mechanicsburg Main Post Office MECHANICSBURG, Pennsylvania 170559998 4134870055 -0097 09/03/2013 (800)275-8777 03:23:58 PM Sales Receipt -- — Product Sale Unit Final Description Qty Price Price GLEN ALLEN VA 23060 Zone-3 $0.46 First-Class Mail Letter 0.40 oz. Scheduled Delivery Day: Thu 09/05/13 @@ Certified $3.10 Label #: 70123460000228829523 Issue PVI: $3.56 Total : $3.56 Postal ServiceT11 Paid by: CERTIFIED MAIL,, RECEIPT Cash $20.00 m (Domestic Mam . Insurance Change Due: -$16.44 ru E ; ,. _ W For tracking or inquiries go to ),i w is ( � USPS.com or call 1-800-222-1811. ru t k U L4A L 1' : I__ x%%%%xx%xXxxxXKx'Kx%%%%%%x%.xxxx%%%%x%xxx CO _-c t - %%%xxx%%%C%%X'%%xxfYxxx7:x%xxxx%xxX'Y(%%X'%xxx nj Postage $ 16 BRIGHTEN SOMEONE'S MAILBOX. Greeting cards Certified Fee '' available for purchase at select Post nJ Gl Return Receipt Fee .__ Postmark Offices. O (Endorsement Required) Here xxx*xxxxxxxxXxxxxxxXXxXxXXY.xxxxxxxxx*xxx 0 Restricted Delivery Fee ;1, *********X***xxx*xxx*xxx*xxxxxxxxxxXxxxx eq M (Endo rsement Ruired) Total Postage&Fees $ Q.. 119/133/2013 In a hurry? Self-service kiosks offer- = M quick and easy check-out. Any Retail Sent To Associate can show you how. ru ra SFreei,AWfM 6-j------------------'------------- ------------------------------------- Order stamps at usps.com/shop or call O or PO Box No. r y 1-800-Stamp24. Go to usps.com/clicknship City,State,ZlP+4 ---------------- '--°-°°°-- to print shipping labels with postage. For other information call 1-800-ASK-USPS. xxx%x***x*x x*x*x x x***x%**xxxx%%x X'x xxx*x7 _ xxxxxxxxxxxxxx*xxxxxx*x*xxxxxxxxXxxxxXxx Get your mail when and where you want it with a secure Post Office Box. Sign up for a box online at usps.com/poboxes. *xxxxxxxxxxxx*xxxx*xxx%xxxxxxxxx%**xxxx% xxxxxxxxxx*xxxxxxxxxx%%*xxxx%*xxxxxxxxxx Bill#: 1000306563296 Clerk. 16 All sales final on stamps and postage Refunds for guaranteed services only Thank you for your business xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxXxxxxxxxx xrcxxxxxxxxxxxxxxx%xxxx*xxxxxx%xxxxxxxxxx HELP US SERVE YOU BETTER Go to: https://postalexperience.com/Pos TELL US ABOUT YOUR RECENT POSTAL EXPERIENCE YOUR OPINION COUNTS x*xxxxxxxxxx*x*x*xxxxxxxxxxxx*%xxxxxxxxx xxxxxxxxxxxx:l'x X'*xYrx xxxxxxxxxxx*xxxxX X'xxx Customer Copy Assoc T4 P M. S e P 16. 2 0 1 3� 3 E d w i n A. Abrahamsen I ----�-'---N o $362. P T- N A )310-1 Supreme Co ," : nsylvania COU U 0 r%o leas Vr nt r. is Docket A County l - S(X�f The information collecred on this form is used solely for court adminisfrarion purposes. This form does 110t SUPPle)7161?t or replace thefihLnf and service ofplea.dings or other papePs as required by law or rules of court, Commencement of Action: 0 Complaint Writ of Summons Petitio►i Transfer from Another Jurisdiction Declaration of Taking, Lead Defendant's Name: ji; Name:Lead Plaintiff'sN Dollar Aunt Requested: Owithin arbitration limits Are money damages requesteV Yes 0 No (check,one) Qoutside arbitTaTion.limits Is this a Class Action Suit? [I Yes 0 No Is this an MDJAppeal? 0 Yes kd No MICHAEL F_RATCHFORD ESQ. Name of Plaintiff/Appellant's Attorney: M Check-here if you have no attorney(are 2 Self-Represented [Pro Sel Litigant) left 6��cas�,category Nature of the Case: Place an"X"to.the le accurately describes our -4 on C SE. If aking more 1*a one type of cl.a check the e that rj"Ry 4 you are m v6u*6onsidei most important. RNM TORT(do nor include Adoss-Toro CONTRACT(do not include_ludkmenes) CIVIL APPEALS Intentional Buyer Plaintiff Administrative Agencies Board of Assessment Malicious Prosecution Debt Collection:Credit Card [I Debt Collection:Other Board of Elections Motor Vehicle Dept of Transportation Nuisance El Statutory Appeal-Other Premises Liability Product Liability(does not include qx� Employment Dispute' 3 - ', mass tort) Discrimination Slander/Libel/Defamation t3 Employment Dispute;Other Zoning Board Other: Other: M Other: MASS TORT Asbestos Tobacco Toxic Tort-DES T oxic Tor Impl ant REALFROPERTY MISCELLANEOUS Toxic Waste Common Law/Statutory Arbitration r_1 Other: E3 Eminent DomalWCondiewation E3 Declaratory Judgment Mandamus Ground Rent Landlord/Tenant Dispute Non-Domestic Relations ti Mortgage Foreclosure:Residential Restraining Order Quo Warranto F PROFESSIONAL ILIABLIT y Mortgage foreclosure:Commercial )PROFESSIONAL [3 Partition 11 Replevin El Dental Legal 0 Quiet Title Other; Other: f S 5 Medical C3 Other Professional: Updated 11712011 f IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(USA),N.A. CIVIL ACTION 4851 COX ROAD GLEN ALLEN, VA 23060 Plaintiff `r r7 C� „• 3 `] C77 co VS. NO: 13-5029 CIVIL = 3 3 CRAIG L KRABER r, 1705 ENGLISH DR MECHANICSBURG PA 17055-5646 -c 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 NA13107 x IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(USA),N.A. CIVIL ACTION 4851 COX ROAD GLEN ALLEN, VA 23060 Plaintiff vs. NO: 13-5029 CIVIL CRAIG L KRABER 1705 ENGLISH DR MECHANICSBURG PA 17055-5646 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 CRAIG L KRABER(hereinafter "Defendant") is an adult individual residing at 1705 ENGLISH DR MECHANICSBURG PA 17055-5646. 3. Defendant applied for and received a credit card issued by CAPITAL ONE BANK (USA),N.A. with the account number ending in 9705. 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 9705, for purchases, cash advances and/or balance transfers. 6. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 7. The Defendant last made payment on February 5, 2013. 8. The total amount due and owing the Plaintiff is $3,701.47. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of$3,701.47 plus costs of suit and any other relief as the Court deems just and appropriate. Respectfully submitted, Michael F. Ratchfor , Esquire Attorney I.D.Nos. 86285 120 N. Keyser Ay Scranton, PA 185 4 mratchford @eaa aw.com Phone: 800-503- 665 Fax: 570-558-5511 VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff, CAPITAL ONE BANK(USA),N.A., am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. /Michael hforcl(Esquire i I Capital One® Customer Agreement ; Welcome to Capital One.® You may also update some of this information by logging I Thank you for opening a credit Card Account with us.This onto yourAccount on our website or by calling one of our j Customer Agreement("Agreement")contains the terms for representatives at the telephone number provided on your your Capital One credit Card. Statement or on the back of your Card.We may require you to provide additional documents that are acceptable to us to Some Definitions. verify this information or any changes.We maintain the right The meanings of the terms you see in italics appear in to restrict or close your Account if your information cannot the Glossary Section.To make the Agreement easy be verified or if you do not provide additional information as c to understand,we will also use the following personal requested. pronouns: i Credit Limits. 1 "You,""your" and "yourself' mean each applicant and co- When you open your Account,you will receive your credit I applicant for the Account;any person responsible for paying limits.These will also appear on your Statements.We might i 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. Bank(USA), National Association;and its agents,authorized representatives, successors,and assignees. You are responsible for keeping track of yourAccount i 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 ovedimit Fee for doing so, documents: as described in the Interest Charges and Fees section.We may still honor transactions above your credit limits,but our (1)this document; honoring of these transactions will not increase your credit (2)all Statements; limit. (3)all rewards information and documentation if your ' Account has rewards; We may also increase, decrease, restrict or cancel your credit (4) an Privacy Notices describing our limitations on sharing limit on any Segment at any time.This will not affect your in about you with others; obligation to pay us. (5)your Card benefits brochure which describes benefits provided by the Payment Card Network for your Card and Using Your Account. Account.The most current version of your Card benefits You promise to follow the terms of this Agreement as long 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 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 wilt take reasonable steps to prevent the unauthorized (8) all other documents and disclosures relating to your use of your Card and Account. l 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 j Card for any reason.Also,we may reject any transaction for Please read these carefully and keep them for future any reason. Unless we tell you otherwise,we will bill each reference.An image of any of these can be used instead of transaction to the applicable Segment of yourAccount and i the original. apply it against your available credit limit for the Account and Car that Segment in each Billing Cycle. New Offers. in the future,we might make new offers to you or forward You may also obtain Cash Advances and Transfers if they are i offers from others that we think you might be interested permitted for your Account. Unless we agree,you may not I 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 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 (4)your social security number or other government this happens,you might be unable to use your Card or obtain identification number; information about yourAccount.We will not be responsible or (5)your telephone number(s);and liable if this happens. (6)your employment and income information. Rewards. You must tell us when this information changes. Please update Your Account might provide you with the opportunity to earn your address in the manner provided on your Statement. rewards. If it does,we will separately provide you with all l i i information and terms about our rewards.We will include your request,we will need certain information about the on your Statements all rewards you have earned. It might Authorized User to manage your Account.This will be the f take up to two Billing Cycles for your earned rewards to same information you provided about yourself as described appear on your Statement, in the Account Information Section.We may limit an 's 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 i 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 j 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 yourAccount 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:yourAccount is delinquent, charged-off, bankrupt, Removing an Authorized User. losVstolen or closed;our fraud system prevents the offer If you want to remove an Authorized User from the Account, fulfillment;yourAccount is overlimit;or the checks have you must contact us as provided on your Statement and expired.Any liability for our wrongful dishonor of an Access request their removal.We will have a reasonable amount of j 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, l 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 j 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 i payment because the Access Check was already paid,you do in person. If you let someone else use your Card,you are not give us the information we asked for or the information responsible for all transactions that person makes.Your you gave us was incorrect. If we cannot stop payment for promise to pay us will apply to your estate if you die, these reasons,we may still keep the stop payment Fee. 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 yourAccount has a debit or credit rights against the payee or other holder of the paid Access balance of more than $1.00, or if we have charged any t Check.You also agree to help us in any actions we might Interest Charges to your Account.Your Statement will show j later take against that person. all transactions billed to yourAccount during the Billing Cycle Using a P1N, along with other important Account information. i 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 purchs at certain merchant or retailer point-of-sale devices information in the Statement is correct. I {POS).Yoaseu 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 yourAccount,and we later credit yourAccount 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: i You should keep your PIN secure and not write it down,give it to anyone,or keep it with your Card.If you lose your Card or (1)give us any merchandise or other purchases you received believe that someone has gained unauthorized access to your in connection with the disputed amount if we ask; PIN,you must contact us immediately. (2) not pursue any claim or reimbursement from the merchant and that other person;and Authorized Users. (3) help us pursue and get reimbursement from the merchant 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. Interest Charges and Fees. Merchant Refunds. We will chargeInterest Charges and Fees to your Account as If you are entitled to a refund for goods or services purchased disclosed to you in your Statements and other Truth in Lending with your Card,you will accept these refunds as credits to the Disclosures. in general,Interest Charges begin to accrue from purchase Segment of your Account.We do not control when a the day a transaction occurs. However,we will not charge you merchant sends us your refund.We will also have a reasonable interest on any new balances posted to the purchase Segment amount of time after we receive your refund to process it. of your Account provided you have paid your previous balance in full by the due date. Minimum Payment. We will treat the following Fees as purchase transactions unless Your Statement will provide instructions for making payments, otherwise specified below.These Fees apply to your Account including the amounts due and the due date for receiving only if they are provided in your Truth in Lending Disclosures. your payment. If applicable,your Statement will also include a We may increase your Interest Charges and Fees as described in minimum payment amount.To avoid a late payment Fee,you the Changes to Your Agreement section or in your Truth in must pay us at least this minimum payment amount by the due Lending Disclosures. date provided in the Statement. if you have agreed to incur Fees for going over your credit limit,be aware that paying only the • Membership Fee.We may charge you this Fee as early as minimum payment amount might not be enough to avoid an our 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, Late Payment Fee.We may charge you this Fee if.we do not We will continue to charge Interest Charges during Billing Cycles • when you carry a balance regardless of whether your Statement receive your payment in time for us to credit it by the due date includes a minimum payment that is due. If your Account is 180 shown on your Statement. days past due, part of a bankruptcy proceeding or otherwise charges off,the entire balance is immediately due and payable. • Overlimit Fee. If you agree,we may charge you this Fee when a transaction causes you to go over or remain over any of your making Payments. credit limits during any Billing Cycle.We may also charge you Your payments must be in U.S.dollars from a U.S deposit two additional Fees if your balance remains over your credit account and otherwise be acceptable to us.We do not accept limits as of the payment due date in future Billing Cycles,You cash payments through the mail.You may not make payments will only pay one Fee per Billing Cycle,even if you go over your with funds from your Account or any other credit account with limit multiple times in the same cycle. us or any other company within the Capital One organization. • Returned Payment Fee.We may charge you this Fee each time Mailed Payments. any payment you make to us is not paid by your financial You must mail payments to us at the address provided on your institution for any reason,even if that institution later pays it. Statement or as otherwise instructed by us or our agents. We will credit it to your Account on the day we receive it, if: • Returned Access Check Fee.We may charge you this Fee if we do not pay an Access Check for any reason, including when (1)you send the payment coupon included with your Statement your Account is in default, overlimit,suspended or closed. in the same envelope with your payment, • Stop Payment Fee,We may charge you this Fee each time you (2)you include your Account number on your payment;and request us to stop payment on an Access Check or you renew an existing stop payment order as provided in the Stopping (3)your payment arrives at the address indicated on the Payment of Access Checks section. pa ent coupon in our processing center by the time • Copying Fee,WE!may charge you a per-page Fee for copies of in rted on your Statement. icua transaction documents or Statements unless they are required If your due date occurs on a day on which we do not receive in resolving a billing dispute. payments,any payment received the next day which conforms to the above requirements will not be treated as late. • Cash Advance Fee.We may arge you this Fee each time you obtain a Cash Advance.This Fee will be treated as a Cash Please allow at least 7 days for postal delivery. Unless we or our Advance transaction. agents specifically instruct you to remit payment in a different manner,payments received at any other location or in any other • Transfer Fee.We may charge you this Fee each time you form might not be credited for up to 5 days.This might cause obtain a Transfer.This Fee will be treated either as a Special you to be charged late payment Fees and additional Interest Transfer or purchase transaction depending on the Segment in Charges. which the Transfer posts. Faster Payment Services. Transactions Made in Foreign Currencies. We may make services available that allow you to make faster 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 Nep 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 made with your Card. F F i 1 you made it.We may refuse to accept any payment made by (6)we determine that you made a false, incomplete someone else for your Account.If we accept a payment made or misleading statement on any of your Account by someone else for your Account,you will be responsible documentation, or you otherwise tried to defraud us; for the payment made even if that payment is rejected or not (7)you do not comply with any term of this Agreement or paid. any other agreement with us;or i (8)you permanently reside outside the United States. Payment Processing. We may accept and process payments without losing For certain actions,including changing the rates and Fees j 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 yourAccount. Remember, paying confirm that your payment has cleared.We may resubmit the Fees charged in connection with a default will not by itself and electronically collect returned payments.We may also cure the default. In addition,if you are in default,we may take adjust your Account as necessary to correct errors,to process the following actions without notifying you,unless the law says returned and reversed payments, and to handle similar issues. that we must notify you: When you provide an Item as payment,you authorize us (1)close or suspend your Account; either to use information from your Item to make a one time (2) lower your credit limits; 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 I 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 j this way, as your balances remain outstanding; and/or i (6) pursue any other action against you that the law allows, ` When you provide an Item as payment, it might also be which includes the filing of a lawsuit against you. converted into an electronic image and collected and returned You must pay us all of our collection expenses,attorneys'fees electronically.These electronic images may also be converted and court costs unless the law does not allow us to collect to substitute checks.We will not be responsible if an Item you these amounts. Ehas 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: I Percentage Rate balances before higher ones. We apply any portion of your payment, in excess of your minimum (1)contact you by mail, telephone, email, fax, recorded payment, to higher Annual Percentage Rate balances before message,text message or personal visit; lower ones. (2)contact you using an automated dialing or similar device ('Autodialer"); Items with Restrictive Words, Conditions (3)contact you at your home and at your place of or Instructions. employment; r All Items that have restrictive words,conditions,limitations (4)contact you on your mobile telephone; i 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.Sox 30285,Salt Lake City, machine/service and with others;and i 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. rights. i Our contacts with you about your Account are not unsolicited Credit Balances. and might result from information we obtain from you or We may reject and return to you any payment that creates a others.We may monitor or record any conversation or other ; credit balance on your Account.Any credit balance we allow communication with you. Unless the law says we cannot, will not be available until we confirm that your payment has we may modify or suppress caller ID and similar services cleared.We may reduce the amount of any credit balance by and identify ourselves on these services in any manner 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 receipt of your written request. or you contact us. i i Account Default. If you ask us to discuss your Account with someone else,you We may consider you in default of your Agreement with us if: must provide us with documents that we ask for and that are acceptable to us. (1)you do not make any payment when it is due; i (2)any payment you make is rejected, not paid or cannot be Credit Reports. processed; We may provide information about you and the Account to (3)you exceed a credit limit; consumer(credit) reporting agencies and others as provided (4)a bankruptcy or other insolvency proceeding is filed by or in our Privacy Notices. Information we provide might appear against you; on our 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 3 1 and income information about you from consumer(credit) period for all provisions and purposes under this Agreement reporting agencies and others as the law allows. (including the right to collect debt)will be the longer period provided by Virginia or the jurisdiction where you live.If any Closing or Suspending Your Account. part of this Agreement is found to be unenforceable,the 4 You may ask us to close your Account by calling or writing us remaining parts will remain in effect. as descnbed on your Statement.Your Statement will provide additional information about this process, and we may also Waiver separately provide you with additional details after your We will not lose any of our rights if we delay taking any request.This might include payment information. If you use action for any reason or if we do not notify you. For example, your Card or charges post to your Account after you ask us to we may waive your Interest Charges or Fees without notifying close it,we may keep it open or reopen it. you and without losing our right to charge them in the i future.We may always enforce our rights later and may take We may close or suspend your Account and your right to other actions not listed in this Agreement if the law allows obtain credit from us.We may do this at any time and for them.You do not have to receive notice from us of any t any reason, permitted by law,even if you are not in default. waiver, delay, demand or dishonor.We may proceed against i A suspension of your Account might be permanent or you before proceeding against someone else. temporary. Assi nment. If your Account is closed or suspended for any reason,you This Rgreement will be binding on,and benefit, any of your - must stop using your Card.You must also cancel all billing and our successors and assigns. arrangements to the Account.We will not do this for you. i 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. owe on the Account,even if they are charged after your s Account is closed or suspended. We may transfer your Account and this Agreement to t another company or person without your permission and Lost or Stolen Card. without prior notice to you.They will take our place under You will take reasonable steps to prevent the unauthorized this Agreement.You must pay them and perform all of your l 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 4 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 j Statement.You will not be responsible for charges made to person. i your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made Glossary. using your Card,you will help us investigate, pursue and -"Access Check" means any check we send to you to access i get reimbursement from the wrongdoer.Your help includes your Account,We may also refer to an Access Check as a giving us documents that we ask for and that are acceptable "convenience check"or a "purchase check." to us. -"Account" means your Card Account with us. Changes to Your Agreement. At any time,we may add,delete or change any term of this -"Authorized User"means one or more persons who may Agreement unless the law prohibits us from doing so.We will use the Card but is not responsible for the repayment of the give 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 l you electronically as permitted by law. Our notice will tell you purchase Segment of your Account unless otherwise when and how the changes will take effect and describe any described in your Truth in Lending Disclosures, rights you have in connection with the changes. •"Billing Cycle" means a period of time that might vary Your variable Annual Percentage Rates(if applicable)can go in length but is approximately 30 days.The specific period up or down as the index for the rate goes up or down.If we of time is described on each Statement. However,you will I increase your Interest Charges for any other reason we will have a Billing Cycle even if a Statement is not required. i notify you in writing. If we increase your Fees or other terms We will often specify a Billing Cycle 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 of your options in advance, including the right to opt out of example, a"March Billing Cycle"will have a closing date some of these changes. in March.We may also refer to a Billing Cycle as a "Billing Period." If your Account balance has charged off,we may We may increase your Interest Charges for new transactions switch to quarterly Billing Cycles to your Account. and your Fees after the first year of the Account.Also,if your payment is not received within 60 days after the payment -"Business Day" means any day in which Capital One's due date,we may increase your Interest Charges and Fees for offices are open for the processing of payments and credits. existing balances and new transactions at any time.We may change any other terms of your Account at any time. -"Card"means any Capital One credit Card associated with your Account,which includes all renewals and substitutions.It also The Law that Applies to Your Agreement. means any other access device for your Account we give you We make decisions to grant credit and issue you a Card from that allows you to obtain credit,including any Account number i our offices in Virginia.This Agreement will be interpreted using and any Access Check. I Virginia law.Federal law will be used when it applies. You waive any applicable statute of limitations as the law -"Cash Advance"means using the Card to obtain loans allows.Otherwise,the applicable statute of limitations in cash or things we consider cash equivalents. Cash i i i equivalents include wire transfers,travelers'checks, money orders,foreign currency,lottery tickets,gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account and not to your purchase Segment. •"Fees"means charges imposed on your Account that are not based on the Annual Percentage Rates. •"Interest Charges"means any charges to yourAccount based on the application of Annual Percentage Rates. i j.... •"Item" means a.check, draft, money order or other negotiable instrument you use to pay your Account.This i includes any image of these instruments.This does not include an Access Check. i ..'Payment Card Network" means Visa Inc., MasterCard International Incorporated,or any other network provider - displayed on the Card. T . •"Segments" means the different parts of your Account we may establish that are subject to unique pricing,grace periods or other terms.We create these parts of your Account for such things as your purchases, Cash Advances and Special Transfers. -"Special Transfer"means a Transfer posted to the Special Transfer Segment of your Account and not to.your purchase Segment. I -"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 1 Accounts to this Account and includes Balance Transfers and Special Transfers. -"Truth in Lending Disclosures"means any Account information we provide to you that is required by the federal Truth in Lending Act and Regulation Z.These include your application and solicitation disclosures,Account opening disclosures, subsequent disclosures,Statements i and change in terms notices. I i �alplrf�ltt - E�2010 Cap tal One Capital Ors.is a ta6a_rally reistc-ted sencce mark. All eghts tzsr,M. i RV600157 M-99488 i l BR165842 COT_u:tww sgrsmee i i i IMMEDIATE RESPONSE REQUESTED:This credit crier has been duty ault+o..u_. CREDIT LJMIT: UP TO $20,000.00 OFFICER'S SIGNATURE Legal Soucture of Business:(check rare) T!_ S.❑Sole Proprietorship C.❑Corporation P.XParatership R.❑Nor Profit Corporation L.Ximited Liability Co- M.❑Other Authorizing Signatory must be one thq following:(Check I.El tx Owner 2..3 Parma 3..E]�President A❑Yta President S.C Treasury 6.[]Other Authorizing Signatory Social Security Number _ _ _ Authorizing Signatory Date of Birth sJ J Autbariting Signatory Name as you would like it to appear on the card.(Only rarAadmrrvra Sfgrumrycaa x<rrracow++ivJomnriao.Alduroml rode rrtay be i wd oarr the acrn,m[is arrirxacd. First Name Lam`-q - �MI [est Name tf _t [_ n Homc Addrcss Q l j.- l t:(i�� f i4piit No. City Mcd1 1111�_r_bll __.Start ryVCL- ZIP F f alt% 5,e) Home Phone Number 1 - �t l - i Business Phone Number ( T)- 9 -1:3 - 0 SS O legal Business Name 1 11 , {up ro sd clmrorrnrl E ll a U f ft~ n e- f, A 11, T O v L C 0.b"fofdu ComW q and orrery,Mutt rnd the tmportard a rd Termsofoferon t afthrLt .Wi c behdfafthr C-. .dayWfthdthr ComV yardiwiUbe Mod sspaifimta¢,en. hba areaun®uedtodrd ffmC y's(mrdmyJ oaB'f -Y mrpray46 nrM# tfora&arm77b&Brrsirre#Cx4el s WA Hr rmradeszrW an The bad:tfllm let ter. Sigtto tweofAuthorizingSignatory X---_- -, -- . _ _ )late 0 (D 0 3 O£_£ar Rmpimase Jolly 8, 2002 .J 6352312881542 028 00 Attn:Buess PO Box 1$ o ( Ll�� llfl {f�� G�IfI � LIEI�I �II� Stewmwown.PA 17363-0157 1268 6352-6 Rease sacs act and chsape 6ttstaess rtavte and address q oaceuarX TAKE CONTROL OF YOUR CAPITAL ONE® 500011 caprta� ACCOUNT AND KEEP IT FROM BEING whaYs in your waffet7 PERMANENTLY UNUSABLE. CRAIG L KRABER 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 i,afederally registerrrl service mark.All rigl.,ts reserver. Page 1 of 2 1-800-867-0904 } www.capitalone.com/smailbtisiness Aug.11-Sep.13,2010 34 Days in Billing Cycle` IMMMMN MINIMUM PAYMENT WARNING:If you make only the minimum payment each period,you i Wil pay more in interest and it will lake you longer to pay off your balance.For example: Visa Business Card XXXX-XXKX-XXXX-9705 Payment Amount Each Period If No Approximate Time to Pap Off Estimated NEW BALANCE l a g\x �'\:; r„g,n Additional Charges Are Made Statement Balance Total Cost I 54,053.46 ;:;t i;?^ ?Ca ;�,_ MinimumPayment 22 Years 89,175 i If you would like information about credit counseling servos,can 1-888-326-8055. SAY LATE PAYMENT WARNING:If we do not receive your minimum payment by ymir due date, Credit limit:53,600.00 Cash Credit limit:53,600.00 you nay have to pay a$39.00late fee and your APRs may be inoeased up to tat Penalty APP.of 29.40%. t I Available Credit:50.00 Available Credit for Cash:SO.00 i i Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 53,962.02 — 5362.02 -F 591.44 + 5362.02 = 54,053.46 Help is Available. I BUSINESS TRANSACTIONS PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 ; Just pick up the phone. 1 30 AUG DIRECT DEBIT P YNIIENT (S362.02) TRANSACTIONS FOR CRAIG L KRABER#9705 Call 1-800-955-6600 and a specially trained agent will 1 30 AUG PAYn4ENr ADJUSTMENT S362.02 be happy to help you check your balance and make payments. ►Total Transactions This Period $362.02 FEES INTEREST CHARGE CALCULATION 1 03SEP RETURN CHECKFEE 539.00 2 08 SEP PAST DUE FEE S39.00 Your Annual Percentage Rate(APR)is the annual interest rate on your accmttrt. Total Fees This Period 578.00 Annual Percentage Balance Subject to Total Fees This Year 5575.00 Type of Balance Rate(APR) Interest Rate Interest Charge Cash as I 29.40%) I S3,491.43 5490. I S13.44 -- Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM7SMALLBUSINESS TO MAKE YOUR PAYMENT ONLINE. 1 4115072218919705 13 4053460362020416002 G� Account Number:4115-0722-1891-9705 Due Date New Balance aymons. Amount Enclosed Take advantage. Take control. Oct 10,2010 i $4,053.46 — Manage your account online at wtfuw.capitalone.com ::; t:t::<T •Make payments •Review account information AQ •Manage your account in privacy 400006 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N-A. nECHANICSBURG, PA 17055-5799 P.O. Box 71083 'I'I'IIIIII"I'll"illll"III'1'1'Il"III'IIIIII"IIIII"I"'III' Charlotte, NC 28272-1083 uIIIII'III"nld'IrIIIIIII^Ilnlr'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. om I? How can I avoid paying Interest Charoes7 Each month you pay your"Nero Balance"in full, Mailc-d paymen:s received by us at any other)oration or in any other form may no[be cretlited you will have a minimum grace period of 25 days with no intc-rest charge on all new 1) es of the day sve receive them. purchases,2)balance transfers,3)special purchases and 4)other charges.It you have been Du you Process Paper Checks as an Electronic Funds Transfer?When you provide a check as paying ynur a:count in full with no imerer.charges opplied and you do nut Isar y" "'It bill payment,you authorize us and our agents either to use information from your checF.:o make a in full,pxora:etl into-rest charges will be assessed.There is no grace period on cash aAuances, onetime electronic fund transfer from your deposit account or to process the payment as a special transfers,or on any new transaction when there is an unpaid balance from a pre-emus check transaction.When we use information from your check to Tooke an electronic fund Nil - transfer,funds may be withdrawn from your deposit account as soon as the same day we, How Is the Interest Chorue applied?Interest charges accrue from the 1)date of the rve your payment and you will not receive your check back from your financial institution. transaction,2)date the transaction is processed or 3)first calendar day of the billing period. Your authorization is not limited by the date on the check We may resubmit and electronically Interest charges accrue on every unpaid amount until it is paid in full.This means you may awe collect the resumed payments. interest charges even if you par the entire"New Balance"one month.but did not do so for the What if I file for Bankruptcy?If you are entitled to bankruptcy protection,this previous month.Unpaid interest charges are added:a the proper segment of your Account communication is for information only,it is not an attempt to collect,assess or recover a defy; Howes•er,lye reserve the tight to not assess interest charges at any time. or claim Do not send us payments without speaking with your bankruptcy attorney or the Do you assess a Minimum interest Charge?Yes.A minimum INTEITEST CIA ME of$D.50 will Bankruptcy Court.t!you or your attorney ewuld like to contact our bankruptcy claims servicer be auessod for each billing period your account is subject to an interest charge. directly,please canto-Capital One PO Box 85167-Richmond.VA 232855167 How did you Calculate the(merest Charoe7 There are several calculations that are used to BILLING FdGIiTS SUMMARY Noes Not Apply to Small Business.Accounts) determine your total interest charge.1.To get your Caily Balance:For each segment,1)take What To Do it You Think You Find A Mistake On Your Statement If you think there is an the beginning balance and add in new transacrions and the periodic interest charge on:he error on your statement,write to us at: previous day's balance.2)Subtract any payments and credits for that segment as of that day. Capital One The result is the daily balance far each segment.Hoasmuer,if you paid your previous month', P.O.Box 30785 balance in full(or Y your balance was zee or a credit amount),now,transactions which past to salt Lake City,UT 84130-0285 vour purchase or special purchase segments are not added to the daily balances.Al., In your letter,give us the following information: transactions that are subject to a grace period are nor added to the daily balances.2.To find .Account information:Your name and account number. your' erage Daily Balance:1)add[he daily balances together and 2)divide:he srm by the .Dollar amount the dollar amount of the suspected c-rmr. umber of days_in the trilling cycle.3.Estimate your Total Interest Charge:1)multiply your .Descriotion of Fmblem:If you think there is an error an your big,describe what you believe is average daily balance by the daily periodic rate and 2)multiply Me result by the number of days wrong and why believe is a mistake. in The billing period.NOTE:Due to munding or a minimum interest charge,this calculation may you is You must vary from the interest charge actually assessed. contact us within t days after the wrier appeared You m on your statement. You must noify us of Carry potential errors in wti:ina.You may call us or moray us electronically, Flow can my variable Annual n s P rcentane Rate(APW change?Your APR may increase or but if you do 1ve are not required to investigate any potential errors and you may have to pay decrease based on one of sevetandard indices reported in The Walf Street JOUmal.To find the amount in question. which index is used for your aecuunt,(oak for a code(P,L,C,S.D or F)on the front of this While we investigate whether or not there has been an error,the following are true- st aternent next to The APR si.Then ch m the table W.- :We cannot try to collect the amount in question,or report you as delinquent on that amount. Code next to your I n your Annual ;The cherge in question may remain on your statement,and we may continue to charge you Annual Percentage Index which your Pates are based on entage Rate mteTest on that amount.But,N sve determine that we made a mistake,you will not have to pay Rate(APR) change the amount in question or any interest or other fees related to that amount. -While you do net have to pay the amount in question until we send you a notice about the P Quarterly Prime+margin previously disclosed to yirst day of Uro outcome of our im•estigatian,you are responsiWefor the remainder of your balanm. L Quarterly LIBOR-margin.1.-iously disclosed to yg periods that 4Ye can apply any unpaid amount against credit limit. C ,uartedy CD rnergin pres•iausly disclosed to you n January,April, your ere 5 8ankcard Prime r margin previously disdosod To yand October. Your Idghti d You Are Dissatisfied With Your Credit Card Purchases.If you are dissatisfied -- — with the goods or services that you have pxarchasetl with your cretlit card,and you havw tried in D JA tMy Prima+margin previously disdo d to you first day of each good faith to correct the problem with the merchant,you may have the right not to pay the F Mmthly LIBOR t margin prviously disclasat 1u yddy billing -ning amount due on Me purchase.To use this right,all of thou follovvinp must be true:1T wry LIBOR+margin previously disclosed to yd. The purchase must have been made in your home state of within 100 miles of your current mailing address,and the purchase price must have been roost than 550.(Note:Neither of these Are there Additional Fees assoclated avlth my account?Yes,under certain circumstances, - necessary if you,purchase was based an an acf ar rent eve mailed to you,or if sve own you may be assessed a Late or Returned Payment Fee.You may also be charged overlimit fees rt the company that sold you;he goods or services.)2.You must have used your credit card for permuted by law.We reserve the right to at assess fees without prior notice and without the purchase.Purchases made with cash advances from an Al'Nt or with a check that accesses waiving our right to assess a similar fee later. your credit card account do not quality.3.You—1—T yet have fully paid for the purchase.if How can I Close My Account?You may close you sot by calling or til icing our Customer all of the criteria above are met and you are still dissatisfied with the purchase,contact us Relations Department At that time,we will provide additional details including payment in_svn'tinn at information.If you use your credit card or charges post to your account after you ask us to Capital One close it,we can keep your account open.To avoid Paying any applicable membership fees,call P.U.Box 30285 to close your account prior to the and of the cycle in which it is scheduled to be billed. 5elt Lake City,UT 84130-0285 What happens H my Arrm.nt 1,Sum—dedr We-may close or..spend your account and While sve investigate,the same rules apply to the disputed amount as discussed above.After your right to obtain credit at any time and for any reason,even if you are not in default eve finish our investigation,sve Hell tell you our decision.At that paint,if eve think you owe an Account smpemian can be permanent w temporary.If your acmuor is closed or,,,,Wnd,A amount and you do no;pay we may report you as delinquent. must 1)stop using your credit card and account,2)cane-(all automatic payments,3} Capital One supports information privacy Prot-coon:see our wobsite at mvw.ralsitalone.eom destroy all credit cards and access checks,and 4)pay all amounts you owe us,even if they were Capital One is a federally registered service mark of Capital One Financial Corporation.All rights charged after the account was closed or suspended. resented fy'2010 Capital One How do 1 Make Pavrrserns?Payments you mail to us will be credited to your account as of the business day wo,receive it,as long on,1)you send the bottom portion of this statement and your check in the endosed remittance envelope,and 2)your payment is received in one of our processing centers by 5prn local time.Please allow at least(7)business days for mail delivery. TC-08 D5r91i1D 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. •Ile sure to use the payment envelope that came with your E-mail 4:� 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. 69 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 1-800-867-0904 www.capitalone.com/smallbtisiness Aug.11-Sep.13,2010 34 Days in Billing Cycle Credit Limit: 53,600.00 Visa Business Card )ocx)c-xXxx->ocxx-9701 Available Credit: So.00 i NEW BALANCE »e> M\` S1\`it-,°;' :l VAT:. i Cash Credit limit: 53,600.00 i $4,053.46 ja i?..yL e.':..i ,av ? Available Credit for Cash: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S3,962,02 — 5362.02 } ( 591.44 `) { cs36 = I 54r ' BUSINESS TRANSACTIONS CONTINUED INTEREST CHARGED iNTERESTCHARGE:CASH S13.44 Total Interest This Period S13s14 Total Interest This'fear 5106.15 Under terms previously disclosed to you some or all of your Annual Percentage Rates (APRs)have been increased since your account was past due twice in the past 12 billing cycles.If your rates hav-e already increased,subsequent delinquencies Exlended the duration of[he increased rates.Remember:If a-�receive your minimum monthly i Payment on time for 12 consecutive billing cycles,this account will be reviewed for a possible return to your Non-Introductcry APR. Yom account has none over its credit limit To avoid additional ovedimit fees,you should pay more than the Minimum Payment.Please pay enough to hying your account balance below your credit limit immediately,and mail sure your account balance. remains below your credit limit.?lease be sure the amount you pay accounts for any future purchases.fees,and finance charges. You were assessed a past due tee because your minimum payment was not received by the due date.To avoid this fee in the'future,we recommend that you allow at least 7 business days for your minimum payment to reach Capital pre. i I i i I i i i 500362 Grow your savings faster with Direct Banking �-► �. Why open a Direct Banking account? �+ Because it's online,we offer higher rates than many traditional branch banks do on many accounts. • Get the growth and convenience of saving money online FDIC deposit insurance increased to$250,000(through 12/31/2013) •Convenient 24/7 account access MEMBER (Routine or unscheduled maintenance may impact accessibility.) FDIC �'`�' CapitalonedireCt.eom Direct Banking Page 1 of 1 1-800-867-0904 1I www.eapitalone.com/smallbusiness. � Sep.14-Oct.13,2010 30 Days in Billing Cycle 1 MINIMUM PAYMENT WARNING:B you make or,lythe minimum payment each period,you Hill pay more in interest and it will take you longer to pay off your balance.For example: i ! Visa Business Card XXXX-XXXX-XXXX-9705 Payment/vnoum Each Period If No Approdmate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total Cost S3,561.64 $49.00 Nov 10,2010, Minimum Payment 1 Y arz $3,469 $129 3 Years $4,647 ! PLEASE P0.1'AT LEtSTTNIS AMOUNT Your estimated savings if you pay off this balance in 3 years: $3,322 1 i Credit Limit:53,600.00 Cash Credit limit:53,600.00 If you would like information about credit counseling services,call i383-326-8055. LATE PAYMENT WARNING:If we do nut receive your minimum payment by your due date, ' Available Credit:S3S.36 Available Crept(ar Cash:S3S.36 i i you may have to pay a$39.00 late fee and your APRs may be increased up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 54,053.46 3.00 + 511.18 } I SOAO = 53,561.64 BUSINESS TRANSACTIONS l- PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 ! InterestPlus Online Savings 1 17 SEP DIRECT DEBIT RAYNAENT f,S250.00i 2 30 SEP DIRECT"D6IT PA:fVENT 5253.001 • Great savings rate ' • Quarterly Bonus on interest earned FEES • No fees Total Fees This Period 50.00 Total Fees This Year 5575.00 Learn more and open online at INTEREST CHARGED capitalonedirect.com/interestplus 300009 INTERESTCHARGE:CASH 511.18 Total Interest This Period 511.18 - - - TotallnterestThisYew 5117.33 INTEREST CHARGE CALCULATION Your Annual Percentage Rate(APR)is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate(APR) Interest Rate Purchases 0.00% S3,25320 50.00 Cash 29.40%D ( S462.83 I 511.18 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SMALLBUSINESS TO MAKE YOUR PAYMENT ONLINE. 1 4115072218919705 13 3561640253000049005 Account Number:4115-0722-1891-9705 Due Date Nmv Balance l Minimum Payment Amount Enclosed BE SAFE! Nov 10,2 10 0 $3,561.64 I $49.00 Your trash could be an identity thiefs . PLEASE PAYAT LEAST gold.Manage your account online THISAMOUNT and end the paper trail. i Sign up at www.capitalone.com 400009 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N.A. MECHANICSBURG, PA 17055-5799 P.O. Box 71083 IIII1111111'III""III'I1111111'IIIIIIII'I1111'Il"I'I""1111111 Charlotte, NC 28272-1083 nlllll'lll"n111'Ir 1111111"Iluh"II'1'lll'll^III11111'Inl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. What is Capital One° Direct Banking? Convenient and secure certificates of deposit, money market and higher-interest savings accounts.Since you are banking"directly"with us,we can often offer higher money market and savings account rates than traditional branch banks. How do I know my money is safe? Unlike some investment options,your Capital One Direct Banking account is federally insured by the FDIC. For more information about how FDIC insurance protects your savings,visit www.fdic.gov. capitalonedirect.com These products and services are offered by Capital One Bank(USA),N.A.,and Capital one,N.A.,members FDIC. 7 2010 Capital One.All rights reserved. om 13 How can I avoid paying Interest Charoes7 Each month you pay your"New Balance"in full, Maileit payments received by us at any other location or in any other form may not be credited you will have a minimum grace period-ef 25 days with no interest charge on all new 1) as of the day we receive them. purchases,2)balance transfers,3)special purchases and 4)other charges.If you have been Do you Process Paper Checks as an Electronic Funds 7ransfer7 When you provide a check as paying your account in full with no interest charges applied and you do nut pay your next bill payment,you authorize us and our agents either to use information fmm your cheek m make a in full,prorated interest charges will be as=essed.There is no grace period on cash aR antes, one electronic fund transfer from your deposit account or to process the payment as a special transfers,or on any new transaction oAsen there is an unpaid balancefrom a previous cherk transaction.when we use information from your check to make an electronic fund bill_ transfer,funds may be withdrawn from your deposit account as soon as the same day we How Is the Interest Charge applied?Interest charges accrue fmm the 1)date of the receive your pavment and you will not receive your check back from your financial institution. transaction,2)sate the transaction is processed or 3)first calendar day of the billing period. Your authorization is not limited by the date on the check We may resubmit and electronically Interest charges accrue on evaq,unpaid amount until it h paid in full.This means you may we collect the rawmed payments. inTe T charges even H you pay the entire"Nest/Balance"one month,but did not do so for The What if I file for Bankruptcy?If you are entitled to bankmplcy protection,this previous month.Unpaid interest charges are added to the proper segment of your Account. communication is for information only,it is not an attempt to collect,assess or recover a debt. However,we reserve the right to not assess interest charges at arty time. or claim.Do not send us payments without speaking with your bankruptcy attorney or the Do you asses..a Minlrtum Interest Charge?Yes.A minimum INTEREST Q1 RGE of 58.50 will bankruptcy Court.M you or your attorney would like to contact our bankruptcy claims service, be assessed for each Isilling period your account is subject to an interest charge. directly,please contact:Capital One PO box 85167-Richmond,VA 23285{,167 flow did you[alculate the Irderr!st Charoe7 There are several calculations that are used to BILLING RIGHTS SUMMARY(Does Not Apply to Small Business Accounts) de±ermine your total intemst charge.1.To get your Daily Balance:For each segment,1)take Whit to Do It You Think You Find A Mistake On Your 5taterrent If you think there is an The beginning balance and add in new transactions and the periodic interest charge on the apron your statement,write to us at previous day's balance.2)Subtract arty Payments and credits for that segment as of that day. Capital One The result is the daily balance for each segment.However.H you paid your previous month's balance in full(or R your balance was zero or a credit amount),new transactions which post to P-0.1, .k City, your purchase or special purchase segments are not added to the daily balances.Also, _al,lake term,UT 941313-0285 following transactions that are subject to a grace period are not added to the daily balances.2..To find In your mete-f,give a the ura a information: account un: your Average Daily Batance:1)add the daily balances together antl 2)divide the zu by fhe 'Accounir The Your name and account number. umbar of da the billing cycle.3.Estimate•our Total Interest[.barge:1)multi 'fY.,llar amount The dollar amours:of the suspected ciror. ya in / PIy your De,criotion of Problem:If you Think there is an error on your bill,describe what you believe is average daily balance by the daily periodic raze and 2j multiply the result by the number of days wrong and why you believe it is a mistake. in the billing period.NOTE:Due to m—cling or a minimum interest charge,this calculation may must contact us within 60 days after the error appeared on your.statement. vary from the interest charge actually assessed_ You must notify us of any potential ermn in writing.You may call us or notfy us electronically, flow can my variable An nual Percentage Rate(APW change?Your APR may increase or but H you do rove are nor required to investigate any potential error,and you may have to pay decrease based on one of seven standard indices reported in'tie(Nall S.me.,journal.To find the amount in question. which index is used for your arcount,lookfor a code(P,L.C,S,D or F)on the front of this While we investigate whether or net there has been an error,thefollowing are tme: statement next:o the APR(,).Then check The Table below, -We cannot try b caller.the amours;in question,or repot,you as delinquent on that amount. Code nest to your When your Annual •The charge in question may remain on your statement,and we may continue to charge you Annual Petrentage Index which your rates are based on Pememage Rate imetesT on that amount.But,H we determine That we made a mistake,you will not have to pay Rate(APR) will change the amount in question or any interest or otherfees related to that amount. While you do not have to pay the amount in question until we send you a notice about the P Quarterly Prime+margin poviously disclosed to you The first deg of the outcome of our investigation,you are responsible for the remainder of balance. L Ouade, LIBOR sly disclosedb billing ris that your y perry you g Janos We can aPl>tY any unpaid amount against your credit limit_ C t.uarterly LPd.margin R.pre i al,cli.d.to you and is January,April, Your Rights If You Are Dissatisfied with Your Credit Card Purchases.H you are dissatisfied 5 FSankcard Prime+margin Droviously disdosad b you July and October with the goods or services that have — goo you purchased with your credit card,and you have tried in D IAmthly Prima+margin previously disdo=_ad b you The fir..=.t day arc each good faith to correct the problem with the merchant,you may have the right not to pay the F Monthly LIBOR+margin previously disclm:cof to you monthly billing remaining amount due on the purchase.To use this right,all of:he fo11-Ying must be true:1. i3 sury LIBOR+margin previously discloses)b you period. I The Purchase must have been made in your home state or within 100 miles of your current iling address,and the purchase price must have been more than$50.(Note:Neither of these Are there Additional Fees assoclated with my account?Yes,under certain circumstances, am nece—ry IT your purchase was based on an advertisement we mailed to you,or if we own you may be assessed a Late or Returned Payment Fee.You may also be charged overlimit fees it the company that sold you the goods or services.)2.You must have used your credit card for permitted by law.We reserve the right to not assess fee=.without prior notice and without the purchase.Purchases made with cash advances from an ATM-with a check that accesses Bing our right to assess a similar fee later. your credit card account do not o qualify.3.You rust not yet have fully paid for the purchase.If Flow ran I Close My Ar,m;nt You may close your account by calling or sxiting vu,Customer all of the criteria above are met and you are still dissatisfied Writ the purchase,contact us Relations Department At that time,we will provide additional details including payment in sv itinQ at: information.If you use your credit card or charyes post to your account after you ask",,, Capital One close it,we can keep your account open To avoid paying any applicable membership fees,call P D Bax 50285 to close your account prior to the and of the cycle in which it is,scheduled to be billed. Salt Lake City,U7 84130-0285 What happens H my Is 5mmvrebda We may close or suspend your.=,it and While we itvestigate,the same rules apply to the disputed amount as discussed above.After your right to obtain credit at any time and ter any reason even if you are not in default ore finish our investigation,) will tell you our decision.AL that point,if we think you rove an Amount suspension can be immanent or temporary.If your account is Closed arc vnpended amount and you do not pay we may report you as delinquent. you must 1)stop using your credit card and account,2)cancel all automatic payment Capital One supports information privacy protection:sec our website at ww-cap(tulone.com destroy all credit cards and access checks,and 4)pay all amounts you rove us,even if:hey were Capital One is a federally registered service mark of Capital One Financial Corporation.WI rights charged after the account was closed or suspended. reserved f1'20.0 Capital One How do I Make Pawneems?Payments you mail to us will be credited to your account as of the business day we receive it,as long a,c 1)you send the bottom portion of this statement and your check in the enclosed remittance envelope,and 2)your payment is received in one of our processing canim. by Span local time.Please allow at)east(7)business days for mail delivery. TC-08 05.131/10 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. •lie sure to use the payment envelope that came with your E-mail _ _ �� statement.Using a different envelope could delay processing. Address......................................................................................... a 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 Cap vnnat's,n your wallet? It could happen to anyone. Make sure you pay the amount CRAIG L KRABER 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 • behind BETTER INTEREST RATES by I payment. i! (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS(when you want to buy a home or new car) (D 200Y Capital one.Capital Onc n a,rrderally registered tmic•r mark.All"ghts resmv . Page 1 of 2 1-800-867-0904 www.capitalone.com/smallbusiness. Oct 14-Nov.13,2010 31 Days in Billing Cycle MINIMUM PAYMENT WARNING:If you make onlythe nrininum payment each period,you will pay more in interest and it will take you longer to pay off your balance..For example: Asa Business Card XXXX-XXXX-XXXX-9705 Payment Amount Each Period It No Approximate Time to Pay Off Estimated NEW BALANCE ;INIEIN' Dti; W N:;- Additional Charges Am Made statemontBalance Total Cost j 53,729.79 5111 k) Mf;. Minimum Payment 21 Years 89,029 If you would like information about credit counseling services,call 1-888-326-8055. 1 T's^"•�"' LATE PAYMENT WARNING:If sve do not yonr due date, Credit Limit:53,600.00 Cash Credit limit:53,600.00 you may have to pay a$39.00 late tee and your APRs may be increased up to the Penalty . APP,of 29.40°5. Available Credit:50.00 Available Credit for Cash:50.00 I Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 53,561.64 — 50.00 j t 5168.15 l + 50.00 i = 53,729.79 Help is Available. BUSINESS ADJUSTS I lust pick up the phone. PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 Call 1-800-955-6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 10 NOV PAST DUE FEE 539.00 c 13 NOV OVERUMIT FEE NOV 13,2010 539.00 Total Fees This Period S73.00 Total Fees This Year 5653.00 INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES 579.48 Your Annual Percentage Rate(APR)is the annual interest rate on your account. INTEREST CRARGE:CfSH 510.67 Annual Percentage Balance Subject to Total Interest This Period S90,15 Type of Balance Rate(APR) Interest Rate Interest Charge Total Interest This'yeaT 5207.48 ---------- Purchases 29.40%D 53,182.94 S79.48 Cash I 2940%D 5427.10 510.67 Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.CONVSMALLBUSINESS TO MAKE YOUR PAYMENT ONLINE. I 1 4115072218919705 13 3729790253000217003 CRW Account Number:4115-0722-1891-9705 Due Date Now Balance FnV11rc.rt. Amount Enclosed Take advantage. Take control. --------------- Dec 10,2010 , $3,729.74 J J 1 Manage your account online at www.capitalone.com . k:PAY A ..._... :...,. •Make payments •Review account information •Manage your account in privacy 400006 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N.A. MECHANICSBURG, PA 17055-5799 P.O. Box 71083 I'Illllllll'Illl'III'I'III"IIII'Illll'Illll"'111'1"II111111111 Charlotte, NC 28272-1083 nIIIII'lII"nlll'Irllllln"IIIIh"II'I'lll'II"IIIIIIII'Inl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. out 13 How can I avoid paying Imerest Charges?Each month you pay your"New Balance"in full, Mailc-d payments received by us at any other location or in any other form may not be credited You w 11 have a minimum grace period of 25 days with no interest charge on all ncnv 1) as of the day we receive them. as purches,21 balance transfers,3)special purchases and e)other charges.If you have been Do you Process Paper Checks as an Electronic Funds Transfer?When you provide a check as paying your account in full with no interest charges applied and you do at IsaY your next bill payment you authorize us and our agents either to use information from your check to make a in full,prorated interest charges will be assessed.There is no grace period on cash advances, one-time elwmnic fund transfer from de our e special transfers,or on any new transaction wism there is an unpaid balance from a previous Y posit account or to process the payment d a bitl check transaction.when ne use information from your check fund to make an electronic nd tranfer,funds may be Wthdia m from your deposit account as soon as the same day we How is the Interest Charge applied?Interest charges accrue from the 1)date of the receive your payment and you will not receive your check backfearn your financial institution. transaction,2)date the transaction is processed or 3)first calendar day of the billing period. Your authorization is not limited by the date on the check We may resubmit and electronically Interest charges accrue on every unpaid amount until it is paid in full.This means you may owe collect The returned payments. Interest charges even if you pay the entire"New Balance"one month,but did not do so for the What if I file for Bankruptcy If you are entitled to bankruptcy protection,this previow month.Unpaid interest charges are added to the proper segm t of your Account. cornmunicnion is for irrfonn sess ation only,it is not an attempt to collect,as or recover a debt ev Hower,we reserve The right to not assess interest charges at any time or claim.Do not send us payments without speaking with your bankruptcy attorney or the Do you assess a Minimum Interest Charge?Yes.A minimum INTEREST CHARGE of SD.50 will Bankruptcy Court.N you or your anct-ey would like to contact our bankruptcy dainn service, be assessed Tarr each billing period your account is subject to an interest charge. directly,please contact:Capital One-PO Box 85167-Richmond.VA 2'++285-5167 Hnw did you Calculate the Inter-It Chic=?There are several calculations that am used to BILLING WGHTS SUMMARY(Does Not Apply to Small Business Accounts) determine your total interest charge.1.To get your Daily Balance_For each segment,f)take What To Do If You Think You Find A Mistake On Your Statement.If you think there is an The beginning balance and add in new transactions and the periodic interest charge on the error on your statement,write to us at: previous day's balance.2)Subtract any payments and credits for that segment as of that day. Capital One The result is the daily balance for each segment_However,if you paid your previous month's balance in full(or Y your balance was zero or a credit amount),new transactions which Past to P.D.Lake 3028 icy, vaur purchase ors I alt Lake City,UT ni th fall special purchase segments are no:added to the daily balances*Also, In your letter,give m the following infomation: transactions that are subject to a grace period are no:added to the daily balance:.2.To find .Account informed—Your name and account number. your Average Daily Balance:11 add the daily balances together and 2)divide the sum by the .Dana amount The dnikar amount of the suspected error. umber at days in the bilking cycle.3.Estimate your Total Interest Charge:1)multiply ywrr .Description of Problem:If you think there is an error on your bill,describe what you believe is average daily balance by the daily periodic rate and 2)multiply the result by the number of days wrong and You why believe it is a mistake. in the billing period.NOTE:Due to rounding or a minimum interest charge,this calculation may vary from the interest charge actually assessed. most contact us within t days after the error app.ou m on all u ur!emmt. Yrnr must notify us of any potential c+rocs in vvri;inn.You may call us or notfy us rlec[mnically, How can my varlabke Annual Percentage Rate(APR?change?Your APR may increase or but if you do we am not required to investigate any potential errors and you may have to pay decrease based on one of seven standard indices reported in'lie lVall S,'reet—mal.To find the amount in question. which index is used for your account,lookfor a code(P,L.C,S,D or F)on the front of this While we investigate whether or no!there has been an error,thefoblowing are true: statement next to the APR(s).Then cheek the table below. .We cannot try to collect the amount in question,or report you as delinquent on that amount. Code next to your When your Annual .The charge in question may remain on your statement,and we may continue to charge you Annual Percemage Index which your rates are based on Percentage Rase interest on that amount.But,it we determine that eve made a mistake,you will not have to pay Rate(APR) will change the amount in question or any interest or other fees related to that amount. -While you do not have to pay the amount in question until we send you a notice about the P Quarterly Prime+margin previously disekowd to you The first day of the outcome of our investigation,you am responsible for the remainder of your balance. L Quarterly LIBOR+margin p,-i-,4y r'isclnsed to you billing periods" -bye can apply any unpaid amount against your credit limit. C Quarterly C.D+margin prminusly disclosed to you and in January,April, your Rights tt You Are Dissatisfied With Your Credit Card Purchases.d you are dissatisfied S Bankcard Prime+margin previously disclosed lo you ,,My and Oe[obec with the goods or services that you have purchased with credit card,and have tried in you [*ro your cm you D IAonthly Frima+margin proviously disdo.=.ad b yrx, The first day of each good faith to correct the problem with the merchant,you may have The right not to Pay the F Monthy LIBOR+margin previously disclosed to you monthly billing remaining amount due on the purchase.To use this fight,ell of the following must be true:1. G I Tme sury LIBOR+margin previously disclosed to you 1parim. The purchase must have been made in your home state or within 100 mikes of your current mailing add,.,and the purchase price roust have been roan,than 550.(Note:Neither of These Are there Additional Fees a—fated with my ac ount7 Yes,under certain circumstances, am necessary if your purchase was based on an advertisement eve mailed to you,or if we own you may in assessed a Late or Retuned Payment Fee.You may also be charged overkimit fees B the company that sold you the goods or services.)2.You must have used your credit card for permitted by law.We reserve the right to not assess fees without prior notice acid without the purchase.Purchases made with cash advances from an AT'M or with a check that accesses waning our right to assess a similar fee later. your credit card account do not quality.3.You twist nut yet have fully Paid for the P—hase.If How can I Close My Arcount7 You may close youraccount by cabling or writing our Customer all of the criteria above are met and you am still dissatisfied with The purchase,contact us Relations Department.At that time,we wig provide additional details including Payment !n—?!^-t'n.ir Car information.If you use yam credit card or charges post to your account after you ask us to Capital One close it,we can keep your account open To avoid paying any applicable membeM. ip fees,all P.O,Box 30285 to close your account prior to the end of the cycle in which it is scheduled to be billed. Salt Lake City,UT 8413D-0285 What happens H rrry Arrm.mt It.snQ+emtled7 We may dose or suspend your account and While we investigate,the same rules apply to the disputed amount as discussed above.After Wharight to obtain credit at any time and for any reason,even if you are not in default vF finish our investigation,eve uAll tell you our decision.At that point,if s,e think you rove an your Account suspension can be permanent or temporary.If your account is closed or suspended amount and you do nut pay we may report you as delinquent. you must 1)stop using yaw credit card and account,2)cancel all automatic payments,3) Capital One supports inforrmtian prkary protection:see our uvebsite at wwvw.radtalone.com destroy Al credit cards and access checks,and a)pay all amounts you oxe us,even H They were Capital One is a federally registered service mark of Capital One Financial Corporation.All rights charged after the account was closed or suspended. reserved t'2010 Capital Ohre How do I Make Pavnerds?Payments you mail to us will be credited to your account as of the business day we receive it,as long as 1)you send the bottom portion of this statement and your check in the enclosed remittance envelope,and 2)your payment is received in one of our processing centers by:spin local time.Please allow at least(7)business days for mail delivery. TC-08 O!dnl il0 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. -Ile sure to use the payment envelope that came with your E-mail 4:� 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 Page 2 of 2 1-600-867-0904 l WWw.capitalone.com/smalibusiness. Oct.14-Nov.13,2010 31 Days in Billing Cycle 1 Credit Limit: 53,600.00 Visa Business Card )O=-XXXX-XXXX-9705 ` Available Credit: 50.00 i NEW BALANCE U." SS?N`o t'\I N DUE DATE i j � Cash Credit Limit: 53,600.00 , $3,729.79 $."n 7.t' zlcc 16. 4"In' i Available Credit for Cash: Saw j i Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance �- �� ! ` 53,561.64 l — S0.00 + 5168.15 + 50.00 = 53,7 i (BUSINESS TRANSACTIONS CONTINUED j I Under teens previously disclosed to you,sortie or all of your Annual Percentage Rates (APRs)have been increased since your account was past due brace in the past 12 billing ! cycles.If your rates have already increased,subsequent delinquencies emended the duration of the increased rates.Remember:If we receiw your minimum monthly payment on time for 12 consecutive billing cycles,this account will be reviewed for a possible return to your Non-Introductory APR. i Your account has gone over its credit limit.To avoid additional ovedimit fees,you should pay more than the PGinirnum Payment.Please pay enough to bring your account balance below your credit limit immediately,and maim sure your account balance remains belaA'your credit limit.Please be sure the amount you pay accounts for any future purchases,fees,and finance charges. You were assessed a past due tee because your minimum payment was not teceived 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 Ore. i i i I i i { 500410 GetCapital One Payment Protection can provide you peace of mind in these uncertain economic times.As long as you Payment meet certain eligibility requirements, Payment Protection will make your minimum monthly payment... Protection. • If you lose your job • If you are injured and can't work Plus,we'll make one minimum payment a year... • If you can't—no questions asked. Payment F R a T E DTI D N Enroll today. Call 1-888-527-6904 to sign up. Cap)t j1 Page 1 of 2 1-800-867-0904 www.capitalone.com/smalibusiness Nov.14-Dec 13,2010 30 Days in Billing Cycle MI NIMUM PAYMENT WARNING:It you make only the minimum payment each period,you I will pay more in interest and it will take you longer to pay off your balance.For example Visa Business Card XXXX-XXXX-XXXX-9705 Payment Amount Each Period If No Approximate Time to Pay Off Estimated Additional Charges Are Made Statement Balance Toad Cost NEW BALANCE MINIMUM PAYMENT DUE DATE 9 $3,642.11 $129.00 Jan 10,2011 Minimum Payment 21 Years $5,846 $137 3Years $4,941 ! ',• Your estimated savings if you pay off this balance in 3 years: $3,905 PLEASE PAY AT LEA5TTMS AMOUNT If you vmuld like intimation about credit counseling services,cab i-856-326-8055. Credit limit:53,600.00 Cash Credit Limit 53,600.00 i Available Credit:50.00 Available Credit for Cash:50.00 LATE PAYMENT WARNING:If we do not receive your minimum payment by you;due date, _ you may have to pay a$39.00 late fee and your APRs may be increased up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S3,729.79 — 5217.00 t I 5129.32 � -} SDAD i = S3,642.11 BUSINESS TRANSACTIONS l— PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 — 1 09 DEC DIRECT DEBIT PNnAENT f,S217.00i + MORE I i FEES Credit cards are only part 1 13 DEC OVERI—MIT FEE DEC 13,2010 539.00 of the equation. Total Fees This Period 539.00 Total Fees This Year 5692.00 Learn about all the ways we can serve your needs at INTEREST CHARGED capitalone.com 300010 INTERESTCHARGEPURCHASES 579.33 INTEREST OiARGE:CASH 510.49 Total Interest This Period 590.32 INTEREST CHARGE CALCULATION Total Interest This'fear 5297.30 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 29.40%D I 53,30337 579.33 Cash 29-40%D I 5434.03 I 51049 Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SMALLBUSINESS TO MAKE YOUR PAYMENT ONLINE. 1 4115072218919705 13 3642110217000129000 Gap� Account Number:4115-0722-1891-9705 Due Date New Balance Minimum Payment Amount Enclosed ORGANIZATION Jan 10,2011 $3,642.11 $124.00 �l MADE EASY. PLEASE PAYAT LEAST Forget the filing. THISAMOUNT Manage your account online and simplify your life. Sign up at www.capitalone.com 403011 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N-A- MECHANICSBURG, PA 17055-5799 P.O. Box 71083 Illllu11i11,llllllrlrhtl"Ilrllrlllllllr,rlr,IIIIIIIrII1111J1 Charlotte, NC 28272-1083 nlllllrllh�nlll�llhllulIlnhllllllrllllllllll�lnl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. 500410 GetCapital One Payment Protection can provide you peace of mind in these uncertain economic times.As long as you Payment meet certain eligibility requirements;Payment Protection will make your minimum monthly payment... Protection. - If you lose your job - If you are injured and can't work Plus,we'll make one minimum payment a year... • If you can't—no questions asked. Enroll today. Call 1-888-527-6904 to sign up. Payment P R 0 T E 6 T 1 0 N tc2 2010 Capital Ore.Capital One is a fede lly registered service mark Al rights reserves. 0-01 I7 Flow can I avuld paying trammed Charges?Each month you pay your"New Balance"in full, Mailed payments received by us at any other location or in any other form may trot be credited You will have a minimum grace period of 25 days with no interest cbaiye on all ncav 1) as of the day we receive them. purchases,2)balance trensfen,3)special purchases and 4)other charges.If you have been pro you Process Paper Checks as an Electronic Funds Transfer?When you provide a check as paying your account in full with no interest charges applied and you do not pay ygurnext bill payment,you authorize us and our agents either:o use infomatinn from your check..a make a in Lull,prorated interest charges will be assessed.There is no grace period on cash advances, one-time electronic fund transfer from your deposit account or to process the payment as a special tramfers,or on any new transaction when there is an unpaid balance from a previous check transaction.When we use information from your check To make an electronic fund bill_ transfer,funds may be Wthdrawm Pram your deposit account as soon as the same day we Flow Is the Jrdemet Charge applied?Interest charges accrue from the 1)date of the receive your payment and you will nor receive your check back frorn your financial institution. transaction,2)date the transaction is processed or 3)first calendar day of the billing period. Your authorization is not limited by the date on:he check We may resubmit and electronically Interest charges accrue on every unpaid amount until it is paid in full.This means you may rove collect the reoumed payments. interest charges even if you pav the entire"New Balance"one month,but did not do so for the What it I file for Bankmptcv7 If you are entitled to bankruptcy ,;his Fn revious month.Unpaid interest charges am added to the proper segment of your Account. to c prot,ass However,we reserve the right to not assess interest charges at any time. communication claimn is for information only,o is not an attempt to collect,assessor recover a dent. r claim.Du not send us payments without speaking with your bankruptcy attorney or the Do you assess a Minimum Interest Charge?Yes.A minimum INTEREST CHARGE of$0.50 will Bankruptcy Court.f you or your anorney would like to contact our bankruptcy claims sersicer be owessed fur each billing period your attount is subject to an interest charge. directly,please contact:Capital One PO Box 85167-Richmond,VA 2.32858167 Flow did you Calculate the Interest Chant 7 There are several calculations that are used to BILLING RIGHTS SUMMARY(Does Not Apply to Small Business Accounts) determine your total interest charge.1.To get your Daily balance:For each segment,1)taY.e What Tv Uu It Yvu[hlnk You Find A Mistake On Your Statement:If you think there is an the beginning balance and add in new transactions and the periodic interest charge,on the error on your statement,write to us at: previous day's balance.2)Subtract any payments and credits for that segment as of that day. Capitol One The result is the daily balance for each segment_However.if you paid your precious month's P-0.Bnx 302.85 balance in full for f your balance eves zero or a credit amount),new transactions which past to 541!Lake City,UT 64130.0285 your purchase or special purchase segments are not added to the daily balances.Al., In your letter,give us the following information: transactions that are subject to a grace period are not added to the daily balances.2.To find .Account information:Your name and account number your Average Daily Balance.1)add the daily balances together and 2)divide the sum by the .DoOar amount:The dollar amount of the suspected Error. tuber of days in the billing cycle.3.Estimate your Total Interest Charge:1)multiply your •Descriotinn of RnMem:If yuu think There is an error an your bill,describe what you be is average daily balance by the daily periodic rate and 2)multiply the result by the number of days wrong and why you m: a is is a mistake. in the billing period.NOTE:Due to rounding or a minimum interest charge,this calculation may - tact us within 60 days after the emu appeared on your statement. vary from the interest charge actually assessed. You must notify us of any potential errors in wvriting.You may call its urnotf)•es electronically, How can my variable Annual Percentage Rate(API)change?Your APR tray increase or but it you do we are not required to investigate any potential error and you may have to pay decrease based on one of seven standard indices reported in-.qv Waff Street tetanal.To find the amount in question. which index is used for your account.Iookfw a code(P,L.C,S.D or F)on the,front of this While s stigate whether or no!there has been an arror,the follasving are e statement next to the APR(s)c w The.check the table below -We cannot try to collect[he amount in question,or repay,you as delinquent on that amount. Code nerd to your When your Annual •The charge in question may remain on your statement,and we may continue to charge you Annual Percentage Index which your notes are based on Perserrtage Raze interest on that amount_But,f we determine that.eve made a mistake,you wvill not have to pay Rata(APR) win change the amount in question or any interest or other fees related to that amount. -While you do not have to pay the amount in question until we send you a notice about the P Q.art aly Prirtre+margin previously disclosed to you The first day of the outcome of our investigation,you are responsible'.or the remainder of your balance. L Cuarterly LIBOR+margin previousy disclosed to you billirg periods that -We can apply any unpaid amount against your credit limit. C Quarterly CD+margin previously disclosed to you mid in January,April, Your Rights f You Are Dissatisfied With Your Credit Card Purchases.f S Bankcard Prime+margin pros ously disclosed to you ly end October. 0 you are dissatisfied — ---- with the goods or services that you have purchased with your credit card,and you have tried in D Monthly prime+margin previously disclosed to you The first day of each good`faith to correct the problem with the memhant,you may have the right not to Pay the F MnntMy LIBOR+margin previously disclosec!to You m8dy billing remaining amount due on the purchase.To use this right,all of the following must be[rue:t. G Treasury LIBOR+margin previously disdosrzl to you pedud. The purchase must have been made in your home state or within 1 W miles of your current mailing address,and the purchase price roust haw be,,,more Than S50.(Note:Neither of these Are there Additional Fees associated with my account?Yes,under certain cirrumsa r., am necessary if your purchase was based on an advertisement we mailed;o you,or if we am you may be assessed a Late or Retuned Payment Fee.You may also be charged overlirnit fees it the company that sold you the goods or services.)2.You must have used your credit card for permitted by law.We reserve the right to not assess gees without prior no;ire and without the purchase.Purchases made avith cash advances from an ATM or with a check that accesses wvarving our right to assess a similar fee later. your credit card account do not quality.3.Y na-not yet have fully paid for the pumhase.if How can I[loop My Account?You may close your account by railing of writing our Customer all of the criteria above are met and you are still dissatisfied with the purchase,contact us Relations Department.At that time,we wvill provide additional details including payment in aridn .,' infomatinn.If you use your credit card or charges post fo your account oiler you ask",,, Capital One close R,eve can keep your account open.To avoid paying any applicable memb_h.P tEa,call P.D.Box 30285 to close your account prior to the End of the cycle in which it is scheduled to be billed. Salt Lake City,UT 84130-0285 What happens If my Aero r Is so err{>d?We may dose or suspend your account and While we investigate,the same rules apply to the disputed amount as discussed above.After your right to obtain credit at any time and for any reason even if you are not in default. .a finish our vestigeTon,eve will tell you our decision.At that point,itwve think you rove an Account suspension can be Permanent or temporary.If your account is closed of suspended w mount and you do not pay we may report you as delinquent. you must 1)stop using your credit card and account,2)cancel all automatic payments,3) Capital One supports information privar-y protection:sec our website at wxyw—pitalone.com destroy all credit cards and access checks,and 4)pay all amounts you tree us,even if they wore Capital One is a federally registered service mark of Capital One Financial Corporation.AN rights charged after the account was closed or suspended. reserver!t,2010 Capir.1 One How do I Make rPal�y_ryans7 Payments you mail to us will be credited to your account as of the business day we receive it,as long as 1)you send the bottom portion of this statement and your check in the enclosed remittance envelope,and 2)your payment is received in one of our Processing centers by Sprn local time.Please allow at least(7)business days for mail delivery. TC-08 D5+D1y10 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 (_p statement.Using a different envelope could delay processing. Address..........................................................................f................ •.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. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at:www.capitalone.com Ca Page 2 of 2 1-800-867-0904 www.capitalone.com/smalibusiness. l Nov.14-Dec.13,2010 30 Days in Billing Cycle, Credit limit: 53,600.00 Visa Business Card )0=-XXXX-XXXX-9705 Available Credit: 50.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Credit Limit: S3,600.00 i I i $3,642.11 $729.00 Jan 10,2011 Available Credit fob Cash: 50.00----------- i Previous Balance Payments and Credits Fees and Interest Charged Transaction New Balance i ` S3,119.79 — ! 5217.00 + ( 5129.32 `I + II 50.00 = i 53,642.11 (BUSINESS TRANSACTIONS CONTINUED 'lour account has gone over its credit limit.To avoid additional overlimit fees,you should pay more than the%iinimum Payment.Please pay enough to bring your.:count I balance below your credit limit immediaL=ly,and make sure your account balance terrains below your credit limit.Please be sure[tie amount you pay accounts for any i future purchases,fees,and finance charges. i i i I I i i I I i i I I 500008 Capital - wlrat'sinyourwallet? It could happen to anyone. Make sure you pay the amount CRAIG L KRABER 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 • behind BETTER INTEREST RATES (good credit could mean lower interest rates) by IMPROVED CHANCES TO GET APPROVED FOR LOANS(when you want to buy a home or new car) n 2009 Capital,One.Capital One is a frderally rr istered—ryicc mark.All ngl ty rearm rd. Page t of 2 1-800-867-0904 www.capitalone.com/smalibusiness Dec 14-Jan.13,2011 31 Days in Billing C INE MINIMUM PAYMENT WARNING:If you make only the mininum payment each period,you IN 1:11NON11E INNEENMEWEENEEMEMEN will pay more in interest and it will take you longer to pay off your balance.For example: Visa Business Card XXXX-XXXX-XXXX-9705 Payment Amount Each Period If No Approlomate Time to Pay Off Estimated NEW BALANCE .s.i l..IWIM PA NII.Pi DUE D"', Additional Charges Are Made Statement Balance Total Cost S3,812.29 3 `. cr c Minimum Payment 21'fears 89,113 If you would like information about credit counseling services,call 1-868-326-6055. i LATE PAYMENT WARNING:If m do not receive your ninirmum payment by your due date, Credit Limit:53,600.00 Cash Credit Limit:53,600.00 you my have to pay a 139.00 late fee and your APRs may be in.oeased d up to the Penalty � AM of 29.40%. Available Credit:50.00 Available Credit for Cash:50.00 Pretrious Balance Payments and Credits Fees and Interest Charged Transactions New Balance__, 53,6'42.1 - 50.00 } S170.18 } SD.00 = S3,812.2 ! I Help is Available. I.BUSINESS TRANSACTIONS J PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 j 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 t0 IAN PAST DUE FEE 539,00 2 13 JAN OVERUMIT FEEJAN 13,2011 539.00 Total FP.es This Period 573.00 Total Fees This feat 578.00 - INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES 581.53 Your Annual Percentage Rate(APR)is the annual interest rate on your account. NTEREST CHARGE:Ch5H S10.65 Annual Percentage Balance Subject to Total Interest This Period 592.18 Type of Balance Rate(APR) Interest Rate Interest Charge Total Interest This'fear 59218 - PO¢hzses 29.40%0 53,265.09 S81.53 Cash I 29.4090 D I 5426.47 510.65 i Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COMuSMALLBUSINESS TO MAKE YOUR PAYMENT ONLINE. 1 4115072218919705 13 3812290217000300005 Account Number:4115-0722-1891-9705 Due Date New Balance N rs3ss�c:r.'r Ytmne Amount Enclosed Take advantage. Take control. Feb 10, ( $3,812.24 �\ .1 Manage your account online at www.capitalone.com ...:.,..:...,. •Make payments •Review account information AQ •Manage your account in privacy 400006 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N.A. MECHANICSBURG, PA 17055-5799 P.O. Box 71083 IIII(rr(I(,Ill(r(I(I(II'I'Illlllllrllllrrllllllllll'IIIII'Illllll Charlotte, NC 28272-1083 nlllll'lll"VIII'Irhl(nl"Ilnh"II'I'llhll"IIIIIIII'lul Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. om 1? Flow can 1 avoid paying Interest Charges?Each nronth you pay your"New Balance"in full, Mailed payments received M us a:any other location or in any other form may not be credited you will have a minimum grace period of 2.5 days with no interest charge on all new 1) as of the day we receive them. purchases,2)balance transfers,3)special purchases and 4)other charges.If you have been Do you Process Paper Checks as an Electmrdc Funds Transfer?When yuu provide a check as prying your account in full with no interest charges applied and you do not pay your next bill payment,you authorize us and our agents either to use information from your check:o make a in full,prorated interest charges will be assessed.There is no grace period on cash advances, onetime electronic fund transfer from your deposit account or to process the payment as a special[ransfers,or on any new transaction wfien there is an unpaid balance fr.m a previous check transaction.When sw use information from your check to make an electronic fund bill transfer,funds may be withdrawn from your deposit account as soon as the same day eve Flow is the Interest Charge applied?Interest charges ac-•rue from the 1)date of the receive your payment and you still not receive your check back fmrn your financial institution. Transaction,2)date the transaction is processed or 3)first calendar day of the billing period. Your authorization is not limited by the date on the check We may resubmit and electronically Interest charges accrue or.every unpaid amount until it is paid in full.This means you may owe collect the returned payments. interest charges even if you pay the entire"Neat/Balance"one month,but did not do so fur the What it I file for Bankruptcy?If you are entitled to bankruptcy protection,this prow month.Unpaid interest charges am added to the proper segment of your Account. c mmunication h for information only,is se not an attempt to collect,assess or recover a debt However,we reserve the right to not assess interest charges at any time. claim.Do not send us payments without speaking with your bankruptcy attorney or the or Do you asses a Minino m Interest Champ?Yes.A minimum INTEPFST t71AR51t of SD.50will Bankruptcy Court.If you or your attorney would like to contact our bankruptcy claims servicer be msessad for each baling period your account is subject to an interest charge. directly,please contact:Capital One PO Box 85161-Richmond,VA 23255-5167 How did you Calculate the Irderect Chame7 There are several calculations that am used to BILLING FIGHTS SUMMARY Noes Not Apply to Small Business Accounts) determine your total interest charge.1.To get your Daily Balance:For each segment,1)take What To Do R You Think You Find A Mistake on Your 5taterrertt:If you think there is an the beginning balance and add in new transactions and the periodic interest charge on the error on your statement,Barite to us at: previous day's balance.2)Subtract any payments and credits for that segment as of!hat day. Capital One The result is is:he daily balance for each segment.Hower,it you paid your previous month's P.O.Box 30285 balance in full(or R your balance waes zero or a credit amount),new transactions which post to Galt Lake City,UT B4130-3285 your purchase or special purchase segments are not added to the daily balances.Also. In your letter,give us the following information: transactions that are subject to a grace period are no!added to the daily balances.2.To find .Ace M information Your name and account number. your Average Daily Balance:11 add the daily balances together and 2)divide the sum by the .Dollar amount The dollar amount of the suspected ei-rer. tuber at days in the billing cycle.3.Estimate your Total Interest Charge:5)multiply your .Description of Problem:If you Think there is an error on your bill,describe what you believe is erage daily balance by the daily periodic race and 2)multiply the result by the number of days wrong and why you balieve it is a mistake. n the billing period.NOTE:Due to rounding or a minimum interest charge,this r-alculation may contact us within 60 days after the error appeared—your statement- very fmrn the interest charge actually assessed. You must notify us of any potential errors in writing.You may call us or notfy us electronically, How can try variable Annual Percentage Rate(APR)change?Your APR may increase or but if you do wve are not required to investigate am)potential errors and you may have to pay decrease based on one of sea•en standard indices reported in The lVeff S;rt..;o real,To find the amount in question. which index is used for your account.Ic okfur a code(P,L,C,5,D or F)on the front of this While we investigate whether or net there has been an error,the following are?me: statarnent next to the APR(s).Then check:he table halm¢ -We cannot try to collect the amount in question,or report you as delinquent on that amount. Code next[o ypur When your Annual :The charge in question may remain on your statement,and eve may continue to charge you Annual Percentage Index which your rates are based on Percentage Rate Interest on That amount.Bur.c eve determine that we made a mhtake,you will not have io pay Rate(APR) will change the amount in question or any interest or other fees related to shat amount. -lNhile you do not have to pay the amount in question until we send you a notice about the P Quadaly Prime+margin previously disclosed to you The first day bl the outcome of our investigation,you are responsible..,the remainder of your balance. L Cuaderi LIBOR+margi,p ivicusly diecinee,to you billing periods drat -We can apply any unpaid amount against your credit limit. C Quarterly CD+rn.uoin peviously if—1 .d to you aid in Jar—y,April, S Bankcard Prime+margin pros ously died osad lo you !uly and Oetobac Your Rights if You Are Dissatisfied With Your Credit Card Purchases.If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in - D Mori Frima+margin previ—ly died—ed m you The first day of each good fafth to correct the problem with the merchant,you may have the right not to pay the F 1.1-thly LIBOR+margin pmviously dia;losml Ill you monthly billing remaining amount due on the purchase.To use this right,ell of he following roust be true:1. G reatsuil,LIBOR+margin previously disclosed b you period. The purchase must have been made in your home state or within 1 DD miles of your current mailing address,and the purchase price mgr.have been more than$50.(Note.Neither of these Are there Additional Fees ancid-ted with my ac unt?Yes,under certain circumstances, am necessary it your purchase was based on an advertisement we mailed to you or if verve own you may b,assessed a Late or Returned Payment Fee.You may also be charged.—limit fees if the company that sold you the goods or services.)2.You must have used your credit card for permitted by law.We reserve the right to not assess fees without prior notice and wvithout the purchase.Purchases made with cash advances from an ATM or with a check that accesses waiving our right to assess a similar fee later. your emdir card account do no:qualify.3.Vou must not ye!have fully paid furthe purchase_If Flow can I Close Mr Account You may close your account by calling or oohing—Customer all of the criteria above are met and you are still dissatisfied with the purchase,contact us Relations Department.At that time,we svill provide additional details including Payment fn yy_ri;ina at information.If you use your credit card-charges post to your account after you ask us to Capital One apse ft,we can keep your account open.To avoid paying any epplicebie membership fees,call P.O,Be.3D'e 85 to close your account priur co the end of the cycle in which it is scheduled to be billed. Solt Lake City,UT 8413(YD265 What happens M my A�rwnrrt Iv c..m>nA.A�We may blase or suspend your aceuunt and While were investigate,the same rules apply to the disputed amount as discussed above.After your right to obtain credit at any time and for any reason,even B you are not in default. we finish our investigation,dog o-,Pa a will tell you our decision.At that point,if we think you owe an Ar.rount suspension can he •nt or Temporary.If amount and you do opt pay the may report p you ti delinquent. peedit c cancel chant is closed y s,nlmnded t:.lpital One vrPM"'information privacy protect ion:see au'website at mvw.calaitalone,com you must 1j atop using your credit card and account,2)cancel all automatic payments,3} destroy all credit cards and access checks,and 4)pay all amounts you.sve us,even if they were Capital Une is a federally registered service mark of Capital One Financial Corporation All rights charged after the account was closed or su g ended. reserved:x1 2010 Capital one How do 1 Make PavrramsT Payments you mail to us avill be credited to your account as of the business day wve receive it,as long as:1)you send the bottom portion of this statement and your check in the enclosed remittance envelope,and 2)your payment is received in one of our processing centers by rspm local time.Please allow at leas:(7)business days for mail delivery. TC-08 Orv9ti to 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. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at:www.capitalone.com Ca Page 2 of 2 1.800.867-0904 1I www.capitalone.com/smallbusiness. Dec 14-Jan.13,2011 31 Days in Billing Cycle 1 Credit Limit: 53,500.00 I Visa Business Card )0=-YMX-)O=-9705 I Available Credit: S0.00 NEW BALANCE g:e.viif ? 4ii' .:•3ie.DATE i Cash Credit limit: 53,600.00 j $3,612.29 Fa?.^e i 3.- ?ki;: I Available Credit for Cash: 50.00 � I Previous Balance Payments and Credits fees and Interest Charged Transactions New Balance 53,642.11 — 50.00 + ( 5170.18 I } I 50.00 = I S3,812.29 i I i (BUSINESS TRANSACTIONS CONTINUED Under terms previously disclosed to you,some or all of your.Annual Percentage Rates (APRs)have been increased since your account was past due lyvice in the past 12 billing cycles.It your rates have already increased,subsequent delinquencies extended the I duration of the increased rates.Remember:If tat receive your minimurn monthly payment on time for 12 conseadive billing cycles,this account will be reviewed for a possible return to your Non-Introductory APR. Your account has gone over its credit limit.To avoid additional ovedimit fees,you i should pay more than the^Minimum Payment.Please pay enough to hiing your account i balance belon'your credit limit immediately,and malty sure your account balance i remains below your credit limit.Please be sure the amount you ray accounts fur any future purchases,fees,and finance charges. You',vere assessed a past due fee because your minimum payment was nut teceived by the due date.To avoid this fee in the future.we recommend that you allmv at least 7 business days for your minimum payment to reach Capital Cne. l ! i l I 500009 Capita/ LET'S TALK — WERE HERE TO HELP. whar.in your wallet? Sometimes unexpected expenses keep you from making your credit card CRAIG L KRABER 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. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. 0 2009 Capital One.Capital One is a federally registered service mark.All rights rose,veal Page 1 of 2 1-800-867-0904 www.capitalone.com/smallbtisiness `MINI f Jan.14-Feb.13,2011 31 Days in Billing Cycle � MUM PAYMENT WARNING:If you make only the minimum payment each period,you will pay more in interest and R will take you longer to pay off your balance.For example: Visa Business Card XXXX•XXXX-XXXX•9705 Payment Amount Each Period If No Approximate Time to Pay Off Estimated iNEW BALANCE .. N1`1MUII 1.AVN;lff DkM VAITr- Additional Charges Are Made Statement Balance Total Cost 53,937.67 `z-m7,i, It Z kI<c Minimum Payment ,.Years 89.143 If you would like information abort credit counseling services,call 1-888-326.8055. i I _ _ LATE PAYMENT WARNING:If vm do not receive your minimum paymeml by your due date, Credit limit:53,600.00 Cash Credit limit:53,600.00 Tray have to pay a$39.00 late fee and your APP,s nay be increased up to the Pcvtahy APP.of 29.40°5. I Available Credit:50.00 Available Credit for Cash:50.00 i i Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S3,8� 1'2.29 — 510.00 j i- I SI35.38 -}. I 50.00 **Important Notice^Under the terms we previously disclosed to you,your account is ! Help i s Available. now eligible for an increase in Annual Percentage Rates(APRs)efiedise immediately. However,Capital One has elected not to raise your APRs at this time.Please be advised i Just p i ck u p the phone. that if you fail to keep your account in good standing,Capital One reserves the right to raise your APRs in the future. BUSINESS TRANSACTIONS I Call 1-800-955-6600 and a specially trained agent will PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 be happy to help you check your balance and make payments. 1 01 FEB Cap 1 DebiteardPhonePmtAuthDate01-Feb (510.00) FEES INTEREST CHARGE CALCULATION 1 10 FEB PAST DUE FEE 539.00 Your Annual Percentage Rate(APR)is the annual interest rate on your account. Total Fees This Period 5119.00 Annual Per _stage Balance Subject to Total Fees This Year 5117.00 Type of Balance Interest Charge Rate(APR) Interest Rate Purchases 29.40%D 53,422.35 585.46 i Cash 29-40°/0 D I 5437.19 510.92 i Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.C'-OM/SMALLBUSINESS TO MAKE YOUR PAYMENT ONLINE. 1 4115072218919705 13 3937670010000467006 CW Account Number:4115-0722-1891-9705 Due Date New Balance Amount Enclosed Take advantage. Take control. Mar 10,2011 ( X3,937.67 Manage your account online at www.capitalone.com •:A�1;:itf<" •Make payments •Review account information •Manage your account in privacy 400006 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N.A. MECHANICSBURG, PA 17055-5799 P.O. Box 71083 'll'1'1"I'I"I'rlll 111111'111111rlllllllllllll111111111rlllrllrl Charlotte, NC 28272-1083 nllill'111"11111'1x1111111"Iluh"11'1'111'11"IIIIIIII'Inl Please make cheda payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. om Is Flow can I avoid paying Irderest Charges?Each month you pay your"New Balance'in full, Mailc-d payments received by us at any other location or in any other form may not be credited you will have a minimum grace period of 25 days with no interest charge on all nc v 1) as of the day we receive them. purchases,2)balance transfers,3)special purchases and 4)other charges.If you have been Do you Process Paper Checks as an Electronic Funds Transfer?When you provide a check as paying your account in full with no totems:charges applied and you do not lay your next bill payment,you authorize.us and our agents either to use information from your check,to make a in full,prorated interest charges will be assessed.There is no grace period on cash aetvanres, one-time Electronic fund transfer from your tlo special transfers,or on any new transaction wheys there is an unpaid balancefrom a previous o posit account or to process the payment fu d a U.11, check transaction.when ww use information from your check to make an electronic fund tranV.er,funds may be withdrawn from your deposit account as soon as the same day we How is the Interest Charge applied?Interest charges accrue from the 1)sate of the mielve your payment and you wvill not receive your check back from your financial institution. transaction,2)date the transaction is processed or 3)firs:calendar day of the billing period. Your aumorin[ion is not limited by the date on the check.We may resubmit and electronically Interest charges accrue on,eery unpaid amount until it is paid in full_This means you may owe collect the returned payments. interest charges even if you pay the entire"New Balance-one month,but did not do so for the What A 1 file for Bankruptcy if you are entitled to bankruptcy protection,this previum month.Unpaid interest charges are atlded to the proper segmmt of your Account. consmunication is for information only,it is not an attempt to collect,assess or recover a deb: Hos—er,we reserve the right to not assess interest Charges at any time. or claim.Do not send us payments without speaking with your bankruptcy attorney or the DO you asses a Minimum Interest Charge?Yes.A minimum INTEREST t?1J�E of$0.50 will bankruptcy Court.d you or your attorney would like to contact our bankruptcy claims service, be assesSEA fur each billing periotl your a;count is subject to an interest charge. directly,please contact:Capital One-PO Box 85167-Richmond.VA 23285-51 b7 How did you Calculate the Interest Charge?There are several calculations-hat am used to FILLING FIGHTS SUMMARY(Does Not Apply to Small Business Accounts) determine your total interest charge.s,.To get your Daily Balance:For each segment,t)lake What To Do If You Think You Find A Mistake On Your Stat.-ard.If you think there is an the beginning balance and add in new transactions and the periodic interest charge un the error on your statement,write to us at: previous day's balance.2)Subtract any payments and credits for that segment as of that day. Capital One The result is the daily balance for each segment However,if you paid your previous monthly dance in full(or N your balance—zem or a credit amount),new transactions which post to Salt Box:02.85 mart purchase or _al!Lake City,UT 04130-D,85 fall y, Aerial purchase segments are not added to the dally balances.Also, In your letter,give us the fallowing infnrmo:ion: transactions that are subject to a grace period are not added to the daily balances.2.To find -Account information'.Your name and account number. your Average Daily Balance:1)add the daily balances together and 2)divide the sum by the -Dpllar amoune The dollar amount of the Suspected error. umber of days in the billing cycle.3.Estimate your Total Interest Charge:1)multiply your -Description of Problem If you think there is an error on your bill,describe what you believe is m•erage daily balance by the daily periodic rate and c/multiply the result by the number of days wrong and why you believe is is a mistake. n the bitting period.NOTE:Due to munding or a minimum interest charge,this calculation may contact-within 60 days after the error appeared on your statement. vary fmm the interest charge actually assessed. You must notify us of any potential crmrs in twiting.You may call us or notify us electronically, How can my variable Annual Percentage(rate(APW change?Your APR may increase or but I you do we are not required to investigate awl potential errors and you may have to pay decrease based on one of seven standard indices reported in The wall Street;oumal.To find the amount in question. which index is used furyour arcount,Iookfur a code(P,L.C,S,D or F)on the from of this While we investigate whether or net there has been an error,thefollosving are tin,: statement next to the APR(s).Then.-heck the table belowr. -We cannot try to collect the amount in question,or report you as delinquent on that amount. Code ex nt to your When your Annual :The charge in question may remain on your statement,and wve may continue to charge you Annual percentage Index which your rates are based on Pementage Rate interest on that amoum.But,IT we determine that we,made a mistake,you will not have to pay Rate(APR) will change the amount in question or any interest or other fees related to That amount. k'Vhile you do not have to pay the amount in question until we send you a notice about the P Ovarterly Prima margin p—iwsly disclosed to you The first day of the outcome of our investigation,you are responsible' er or the remaind of your balance. L Ouadedy LIBOR margin preciously disclosed to you haling period.that -we can apply any unpaid amount against your credit limit. O Ouaderly Cam+margin pevicusly disclosed to you End in Janucry,April, a Bankcard Prime+margin pmviously disdosed lo you iuly and Ortaboc Your Rights if You Are Dissatisfied With Your Credit Card Purchases.C you are dissatisfied -- with the goods or services that you have purchased with your Credit card,and you have triEd in D 1Aonthly F,ima+margin previously disdo.=.ad to you The Feat day of each good faith to correct the problem Wth the merchant,you may have the right not to Pay the F Mrmthly LIBOR+margin previously di-l—od to you musatfilybillirig remaining amount due on the purchay.To use this right,all of the following must be true:1. G T,--,y LIBOR+margin previously disclosed to you p mod. The purchase must have been made in your home state or within lot)miles of your current mailing address,and the purchase price men:have been more than$50.(Note:Neither W these Are there Additional Fees asoclated with my account?Yes,under certain circumstances, are necessary 8 your purchase was based on an advertisement we mailed To you,or if we awn you may be assessed a Late or Retuned Payment Fee.You may also be charged overlimit fees it the company that sold you the goods or services.)2.You oIUSt have used your credit card for permitted in law.WE reserve the right to not assns fees without prior notice and without the purchase.Purchases made with cash advances from an ATM or with a check that accesses w sing our right to assess a similar fee later, your credit card account do not qualify.3-You must nut yet have fully paid for the purchase.If Htsw can 1 Close My Arcount7 You may close your account by cuffing or writing our Qnromtr all of the criteria above are met and you are still dissatisfied with the pumbese,contact us Relations Department.At that time,we will provide additional details Including payment in vd[inn Car. infmnnatinn_If you use your credit card or charges post to your account after you ask us to Capital One Close it,we can keep your account open.To avoid paying any applicable membership fees,call P.D.Box 30285 to close your account prior to the end of the cycle in which it is scheduled to be billed. Salt Lake City,UT 8413M285 What happens H cry Aernnnt Ic Sna+endaAt We may close or suspend your account and While we investigate,the same rules apply to the disputed amount as discussed above.After h!m obtain credit at an time and for an son,even if t in default wve firdsh our investigation,wve will tell you our decision At That point,if Suva think you crave an your ng y y reason, you are no amount and you do not pay we may,,POrt you as delinquent. JI count suspension can he permanent or temporary.If your account is closed or suslxnded you must 1j stop usingl your credit card and account,2)cancel all automatic payments,3) Capital One vrpports information privacy protection:see our website at navwvralaitalune.tom destroy all credit cards and access checks,and a)pay all amounts you ow,us,even if they wvere Capital One is a federally registered service mark of Capital One Financial Corporation.All rights charged after the account was closed or suspended. reserved$;2010 C pital One How do I Make Pavnems?Payments you mail to us will be credited to your account as of the busin ss day we receive it,as long ac 1)you send the bottom portion of this statement and your check in the emlosed remittance envelope,and 2)your payment is received in one of our processing centers by 5pra local time.Please allow at least(7)business days formail delivery. TC-08 0,91/10 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 .............-.--.--............... :.:--. a Don't staple or paper clip your check to the payment slip. Alternate Phone. • Ile sure to use the payment envelope that came with your E-mail......•......•.....•••..-.'.'.•.•,••••.'••^....•..•...'...............•.•"•,.......••.. statement.Using a different envelope could delay processing. Address............................................_............................................. • Please don't include any additional correspondence. •Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black ink. number on your check. 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 cap,_ Page 2 of 2 1-800-867-0904 www.capitalone.com/smallbusiness. Jan.14-Feb.13,2011 31 Days in Billing Cycle Credit Limit: 53,600.00 Visa Business Card )000(-XXXX-XXXX-97D5 Available Credit: 50.00 NEW BALANCE "Mi DAyr- Cash Credit limit: S3,600.00 $3,937.67 P0.ag 1p,21" 1 Available Credit for Cash: So'co Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S135.38 SO.09 53,812.29 + + 53,9 37.67 (BUSINESS TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES 585.46 r4�IE REST CHARGE:CASH 510.92 Total interest--his Period 596.38 Total Interest This Year 5188.56 Your account has gone over its credit limit.To avoid additional ovedirnit feels,you Should pay more than the Minimum Payment Please pay enough to bring your account balance belox,your credit limit immediately,and male sure your account balance remains below your credit.limit.Please be sure the?.mount you pay accounts for any future purchases,fees,and finance chafge5l You were assessed a past due tee because your minimum payment was not receiver]by the due data To avoid this tee in the future,we recommend that you allow at[east 7 business days for your inininturn payment to reach Capital One. ---—----—---- 500009 Capital LET'S TALK — WE'RE HERE TO HELP. wharsin your wallet? Sometimes unexpected expenses keep you from making your credit card CRAIG L KRABER 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. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. CST 2009 Capital are.Capital One is a federally registered service nark.All rights reserved Page 1 of 2 1.800-867-0904 www.capitalone.com/smalibusiness. l Feb.1 4-Mar.13,2011 28 Days in Billing Cycle MINIMUM PAYMENT WARNING:If you make onlythe minimum payment each period,you vAll pay we in interest and it vill take you longer to pay off your balance.For example: Visa Business Card XXXX•XXXX-XXXX-9705 Payment Amount Each Period It No Appmdmate Time to Pay Oft Estimated >\� �\���Y '•in:`y Additional Charges Am Made Statement Balance Total Cost I NEW BALANCE ........., �. B3>t:�.. .,. ' 53,825.06 ,, Minimum Payment 21 Years 83,964 It you vmuld like information about credit counseling senicP.s,ca81-888-326-8055. LATE PAYMENT WARNING:If m do not receim your minimum payment by your due date, Credit Limit:53,600.00 Cash Credit Limit:S3,600.00 yo:may have to pay a$39.00 latefee and your APRs may,be increased up to the Penalty APP.of 29.40%. I Available Credit:S0.00 Available Credit for Cash:50.00 I I Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance L 53,937.67— - 5275.50 } I 5162.89 } SOAD = 53,825.06 (BUSINESS TRANSACTIONS , Help is Available. PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 Just pick u p the phone. 1 19 FEB DIRECT DEBIT PAITJENT (5236.50! 2 23 FEB Hardship Courtesy Fee 5b'aiver (S39.00) Call 1-800-955-6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 10 MAR PAST DUE FEE 539.00 2 12 MAR OVERUMIT FEE MAR 12.2011 539.00 Total Fees This Period 578.00 --- - Total Fees This Year 5156.00 INTEREST CHARGE CALCULATION INTEREST CHARGED Your Annual Percentage Rate(APR)is the annual interest rate on your account. INTEREST CHARGE:PURCHASES 574.90 Annual Percentage Balance Subject to INTEREST CHARGE:CASH S9.99 Type of Balance Interest Charge Rate(APR) Interest Rate Total Interest This Period 534.39 --- - Total Interest This Year 5273.45 Pluchase> I 29.40%D I S3,320.71 I S?4.90 Cash 29.40%D 5443.00 59.99 lTransactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVVW.CAPITALONE.MNVSMALLBUSINESS TO MAKE YOUR PAYMENT ONLINE. 1 4115072218919705 13 3825060236500394509 CaW Account Number:4115-0722-1891-9705 Due Date New Balance Amount Enclosed Take advantage. Take control. Apr 10,2011 ( $3,825.06 ) ..S0 J Manage your account online - at www.capitalone.com •Make payments •Review account information Manage your account in privacy 400006 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N•A• MECHANICSBURG, PA 17055-5799 P.O. Box 71083 lll'I'111JLIrllllll'I'Illl'rllLldll'Illlllllllll'IIIIIIrLIrI Charlotte, NC 28272-1083 IIIIIIIrIII.,IIIII-Ir It 11111.-Ilu4rrllrl III II 11111111.1n1 Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. am 13 Flow can I avoid paying Irderest Charges?Each month you pay your"New Balance"in full, Mailed payments received by us at any other location rn tion or in any other form a t be credited you will have a minimum grace period of 25 days with no interest charge on alt now,1) as of the day zee receive them. y no purchases,2)balance transfers,3)special purchases and 4)other charges.If you have been pro you Aucess paper Checks as an Electronic Funds Transfer?When paying your account in full with no interest charges applied and you do not Ia,y your.tx,bill y i you provide a check as in Tull,prorated interest charges will be assessed.There is no grace period on cash advances, payment,You authorize us and our agents either to use Inferma[ion from your check,to make a Special transfers,or on any new transaction when there is an unpaid balance from a previous one-time electronic fund transfer from your deposit account or to process the payment as a bill check transaction.When vve use information from your check 1.make an electronic fund trarwar,funds may he withdraswn from your deposit account as soon as the same day eve Flow is the Interest Charge applied?interest charges accrue from the 1)data of the receive your pavment and you will not receive your check backfrorn your financial institution. transaction,2)date the transaction is processed or 3)first calendar day of the billing period. You authurieation is not limited by the date on Me check.We may resubmit and electronically Interest charges acme on every unpaid amount until it is Raid in full.This means you may rove call-the rearmed payments. interest charges even if yen pay the entire"New Balance"one month,but did nut do so for the What h I file for Bankruptcy T I.•en are entitled to bankru this previous month.IJnpaitl interest thereon are added To the proper scymen;of your Account. r p_ry protection, 14 vever,ew reserve the rights!not assess interest chargesro any time. conrnur meson is for information only,it is not an attempt to collect,assess or recover a debt or claim.Do not send us payments without speaking.with your bankruptcy attorney or the Do you asses a Mim—r Interest Charge?Yes.A minimum INTEREST CHAW3E of SD.SD a,rill Bankrupcy Court.N you or your attorney would like to contact our bankruptcy claims se-n-ar be assess.d for each billing period your ecco er:is subject to an interest charge. directly,please contact:Capital One-PO Box 30265 Salt Lake City,UT 64130-0265 Hovv did you Calculate the Interest Chame?There are several caiculatiom that are used to BILLING RIGHTS SUMMARY(Does Not Apply to Small Business Accounts) de!arnine your total interest charge.1.To get your Daily Balance:For each segment,1I take What To Do It You Think You Find A Mistake On Your Statement:If you think they.is an the beginning balance and add in new transactions and the periodic interest charge on the pr day's balance.2)subtract any payments and credits for that segment as of that day. error on your stxtemen:,write to us a:: The result is the daily alance for each segment.Hoverer,a Capital O1�e y eg you new your Lions a which S P.O.Be.k,DJ.85 balance in toll Tor f your balance was zero or a Credit amount),neav iransactions Alm, post to Salt Lake City,UT 84130 D285 your purchase or special purchase segments are no:added to the daily Gaances.Also, In yourletter,give us:he following information: transactions that are subject to a grace period are not added to the daily balances.2.To tind .Account information:Your name and account number. .rage Daily Balance:1)add the daily balances together and 2)divide the sum by the .Dollar amount'The dollar amorn;of the lose.-_fed ci'ror. her of days in the flitting cycle.3.Estimate your Total Interest Charge:1)multiply your .D.scriotinn of Problem:I'you think there is an error en your MII,describe What you believe is ..rage daily balance by the daily periodic rate and 2)multiply the result by the number of days wrong and why you beliwe is is a mistake. - n the billing period.NOTE:Due to reunding or a minimum interest charge,this calculation mxy vary from the interest charge actually assessed. ou must Contact us within G0 days after the error appeared on year sta!emmt. How can variable Annual Percentage Rate(APW change?Your APR may butu f you notify us of any potential errors in at!any you may tali us or you us electronically, rrry ra g y increase find but a you rip q are on.required to investigate a Potential errors and you may have to pay decrease haled on one of seven standard indices reportetl in The t^'a7l Street;rnrmal,To find the amount in question. which index is used foryour account,lookfor a code(P,L.C,S,D or F)on the frunt of this While awe investigate whether IS,net there has been an error,thefollo-ing are m,F: statement next to the APR(s).Then check the table below: .We cannot try to collect the amount in question,or raper-you as delinquent on that amount. Code mart toyour When your Annual 'The charge in question may remain on your statement,and we may continue to charge you Annual Percentage Index which your rates are based con Percentage Rate Interest on that amount.But,it else determine that w4 made a mistake,you wilt not have to Pay Rate(APR) All change the amount in question or any intern!or other fees related to that amount. P Quarterly Prime+margin prwiwsly disclosed m 'While you du not have to pay the amount in question until we send you a notice about the you The first day of hat outcome of our investigation,you are resprmsibla Tor the remainder of Va..balance. L Quarterly LIBOR+margin Rudy sly disclosed a you billing periods that -4Ye can apply any unpaid amount against your credit limit. C Ouaderly Cam+mnuoin previausly dscluwd to you rnid in JanuerV.April' your Rights d You Are Dissatisfied with Your Credit Card Purchases.If you are dissatisfied S eankcard Prim+margin preaously disclosed to 1'ou Culp and Octob y — ---- with the goods or services that you have purchased with your credit card,and you have tried in D Monthly Film.+margin previously disclo.=.ad to you The first day of each good faf:h to correct the problem with the(merchant,you may have-he right not to pay the F Monthy LIBOR+margin previously disclosed!to you mthly billing remaining amount due on the purchaw..To use this right,all of the following most be true:i. G Tre.nary LIBOR+margin previ ously di sclosed to you pod.d. The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must haw beers more than$50.(Note:Neither of these Are there Additional Fees associated with my account?Yes,under certain circumstances, - recessary if your purchase was based on an advertisement we mailed to you,or if eve own you may be assessed a Late or Returned Payment Fee.You may also be charged overlimit fees it the company that sold you the goods or services.)2.You must have used your credit card for permitted by lase.We reserve the right to not assess fees without prior notice and without the purchase.Purchases made evith cash advances from an ATM or with a check that accesses waiting our right to assess a similar fee later, your credit card account do net qualify.3.You most not yer have fully paid forihe purchase.If How ran I Close My ArcoLest You may close your account by calling or writing our Customer all of the criteria above are met and you are still dissatisfied with the purchase,contact us W.Iariom Department.At that time,we will provide additional details including paynwnt in vriting at informati on.If yen visa your credit card or charges post to your account after you ask us h Capital One - close it,we can keep your account open.To avoid paying any applicable membership fees,call P.D Box 30285 to close your account prior to the end of the cycle in which it is scheduled to be billed. Salt Lake City,U7 84130-D285 What happens H my Arra,.et Is S-se—rbd?We may close or suspand your account and While we investigate,the same rules apply to the disputed amount as discussed above.After your right.to obtain credit at any time and for any reason,even if you are not in default. we finish our im enigarion,—swill tell you our decision.At the-point,ft we think you rove an Account suspension can ba permanent or temporary.If your account is closed or suspended amount and you do not pay aw may report you as delinquent. You must 1)stop using your credit card and account,2)cancel all automatic payments,3) Capital One supports information prhary protection:see our website at axxw.rapitalone.co. tiestrey all credit cards and access checks,and 4)pay all arturunts you awe us,even i!they spare Capital One IS a federally registered service mark of Capital One Financial Corporation.All rights charged after the account was closed or suspended. reserved !2010 Capital One How do i Make Pamsems?Payments you mail to us will be credited to your account as of the business day we receive it,as tong ar t)you send the ba!tem portion of this statement and your check in the enclosed remittance envelope,and 2)your payment is received in one of our processing centers by 5prn local time.Please allow m least(7)business days for mail delivery. TC-08 0-W1110 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 `O statement.Using a different envelope could delay processing. Address........................................................................................... • Please don't include any additional correspondence. a 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 03 Page 2 of 2 1-800.867-0904 l www.capitalone.com/smallbusiness Feb.14-Mar.13,2011- 28 Days in BillingCyde� Credit Umit: 53,600.00 ! Visa Business Card XXXX-XXXX-Xaa7C-97D5 Available Credit: NEW BALANCE 50.00 I Cash Credit Limit: 53,600.00 ; $3,825.06 Available Credit for Cash: 50.00 Previous Balance Payments and Credits Fees and Interest charged Transactions New Balance ` 53,937.67 J — ` 5275.50 "f" f 5162.89 I } S0A0 c i S3,825.06 BUSINESS TRANSACTIONS CONTINUED Under terms preciously disclosed to you,same or all of your Annual Percentage Rates i (APRs)hair been increased since your account was past due twice in the past 12 billing I cycles.ff your rates have already increased,subsequent delinquencies extended the duration of the increased rates.Remember:If we receive your minimum monthly payment on fime for 12 consecutive billing cycles,this account will be reviewed for a possible return to your Non introductory APR. I! Your account has gone owt its credit limit.To avoid additional ovedimit fees,you should pay more than the Minimum Payment.Please pay enough to bring your account balance belor,your credit limit immediately,and malre sure your account balance remains below your credit limit.Please be sure the amount you ray accounts for any future purchases,fees,and finance charges. You�.vere assessed a past due tee because your minimum payment was not received by the due date.To avoid this fee in the future,we recommend that you allow at least 7 business days for your minimum payment to reach Capital pre. i I I i I I I i� i i MAKE A PAYMENT. AND TAKE CONTROL 500010 h•in yourwailet7 OF YOUR CREDIT WITH CAPITAL ONE? Your account is temporarily unusable. The good news is, by paying the CRAIG L KRABER 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. A You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 0 7009 G vpital One.Capital One is a federally ree rtered service mark.All rtg{itr reserved Page 1 of 2 1-800-867-0904 ll www.capitalone.com/smallbusiness Mar.14-Apr.13,2011 31 Days in Billing Cycle MINIMUM PAYMENT WARNING:N you make onlythe minimum payment each period,you i will pay more in interest and it will take you longer to pay off your balance.For example: t Visa Business Card XXXK-XXXX-XXXX-97D5 Payment Amount Each Period It No Approhdmate Time to Pay Off Estimated NEW BALANCE NNN>'N$iI��F 11Y.MilIN LAZE DATE Additional Charges Are Made Statement Balance Total Cost 53,960.13 y11f1 MinimumPaynent 21 Years 89.065 IF you would like information about arch[counseling services,can 1-888-326-8055. LATE PAYMENT WARNING:If rw do not receim your rninimrm payment by your due date, Credit Limit:53,600.00 Cash Credit Limit:53,600.00 YOU may have to pay a.139.00late fee and your APRs may be In.aeased up to the Penalty APF.of 29.40%. I Available Credit:50.00 Availahle Credit for Cash:SO.00 i Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 53,8- 2 — 539.00 -1- + 50.00 j = S3,960.13 J� ................... ......• ........... ..,.,ik t`........ .. � Help is Available. BUSINESS TRANSACTIONS j Just pick up the phone. PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 1 23 MAR Hardship Courtesy Fee Waiver (S39.00) Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. FEES 1 11 APR PAST DUE FEE 539.00 2 13 APR OYERUP SIT FEE APR 13,2011 539.00 Total Fees This Period 578.00 INTEREST CHARGE CALCULATION Total Fees This Year 5195.00 Your Annual Percentage Rate(APR)is the annual interest rate on your account. INTEREST CHARGED Annual Percentage Balance Subjed to INTEREST CHARGEPURCHASES 584.77 Type of Balance Rate(APR) Interest Rate Interest Charge Purchases 29.40%D I 53,394.89 584.77 Cash 29.40%0 5452.61 511.;0 l Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPLTALONE.CONVSMALLBUSINESS TO MAKE YOUR PAYMENT ONLINE. 1 4115072218919705 13 3960130236500571500 CRW Account Number:4115-0722-1891-9705 Due Date New Balance Amount Enclosed Take advantage. Take control. May 10,2011 $3,960.13 %? :: �) Manage your account online at www-capitalone.com •Make payments •Review account information Manage your account in privacy 400086 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N•A- MECHANICSBURG, PA 17055-5799 P.O. Box 71083 Ill""I"'11'Illllrlllrlllll'lllllrlll"I'Illllhll'llllrlrllnr Charlotte, NC 28272-1083 [I11111'III"n111-II'If IIII1..Iltlh"11'1'111'11"11111111'IHI Please make ched(s payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. ore L3 How ca I avoid paying Interest Charses7 Each month you pay your"Nets Balance'in full, Mailed payments received M us at any other location or in any other form may not be credited You will have a minimum grace Period of 25 days with no interest charge on all new 1) as of the day we receive them. purchases,2)balance lransfeO.3)spacial purchases and 4)other charges.If you have been Do you Rucess Paper Checks as an Electronic Funds TransterT When you provide a check as paying your account in full with no interest charges applied and you do not pay your next bill payment,you authorise us and our a in full,pmraced interest Charges trill be assessed.There is no grace period On cash advances, gents either to use information from your Check to make a .Cal transfers,or on an new transaction tvhm there is an un tl balance from a one-time electronic fund transfer from your deposit account or to process the payment as a spec y pat Previous check transaction.When the use information from your Check to make an electronic fund bJl. transfer,funds ma,be svithtinmin from How is the Interest Charge applied?Interest charges accrue from the 1)sate of the Y your deport;account as soon as the same day the transaction,2)sate the transaction is processed or 3 tint calendar day the billiin. Cue your payment and you drill not receive your check back fmrn your financial institution. y o 0 period. Your authorization is not limited by the date on the check We may resubmit and electronically Interest charges accrue on every unpaid amount,until it h paid in lull.This means you may eve collect:he rammed payments. interest charges even if you pay the emire"New Balance"one month,but did not do so for the What It 1 file for Bankruptcy if you are entitled to bankruptcy protection,this per us month.Unpaid interest charges am added to the proper segmmt of your Account. 'cation is for re information only,it,is not an attempt to collect,assess or cover a deli However,tw reserve the right to nn!assess interest charges at any time. ' f orclaim.Do not send us payments without speaking with your bankruptcy attorney or the Do you asses a Minimum Interest Charge?Yes.A minimum INTEREST C WkRG3E of 50.50 will Bankruptcy Court.H you or your attorney would like to contact our bankruptcy claims service, be assessed for each billing period your account is subject ro an interest charge. directly,please contact:Capital One PO Box 30285-Sal;Lake City,LIT 114130-0285 How did you Calculate the Inere4 Charge?Them are several calculations that am used to BILLING RIGHTS SUMMARY(Goes Not Apply m Small Business Accounts) determine your total interest charge.1.To get your Gaily Balance:For each segment,1)!a Y.e WMt To Uo if Yuu Think You Find A Mistake On Your Statement:If the beginning balance and add in new transactions and the periodic interest charge on;he you think there is an lumvious day's balance.2)subtract any payments and credits for that segment as of that clay.. error on your statement,write to us at The result is the daily balance for each segment.However,if you paid your pre ious month's Capital One balance in full for r your balance twos zero or a credit amount),new transactions which post to P_0.Box'N85 Sal.Lake City,UT 8413 0 02 85 yxtr purchase or special purchase segments are nu;added to the daily balances.Also, In your lean,give us the following information transactions that are subject to a grace period are not added to the daily tsxlances.2.To find .Account information:Your name and account number. year Average Daily Balance:1)add the daily balances together and 21 divide the sum by the .Dollar amount-The dollar amount of the suspr_ted c++'roc. umber of days in the billing cycle.3.Estimate your Total Interest Charge:1)multiply your .Dascriotion of Problem:If you think there is an error on your hill,describe what you believe is coinage daily balance by the daily periodic rare and 2'y multiply the result by the number of days wrong and why you bdiw it is a mistake. in the billing period.NOTE:Due to rounding or a minimum interest charge,this calculation cozy must contact us within 60 day:after the error appeared on year statement, vary from the interest charge actually assessed. You must notify us of an How can my variable Annual I4rcentane Rate(APW change?Your APR may increase or but H do Cave are not m otential errors in tvsitinn.You may Call us or notfy us electronically, you required to investigate any potential error.and you may have to pay decrease based on one of saran standartl indices reported in'he Wall Street journal.To find the amount in question. which index is used foryour account,lookfor a code(P,L.C,5,D or F)on the from of this While we investigate whether or not there has been an error,the following are!me: statement next in the"t).Then check the table below: -We cannot my to collect the amount in question,or report you as delinquent on that amount. Code next to your When your Annual -The charge in question may remain on your statement,and we may continue to charge you Annual Percentage Index which your races are based on percentage Raze interest on that amount.But, we determine that sue made a mistake,you will not have to pay the amount in question or an interest or other fees related to that amount. Rate(APR) will Change 9u Y iNhile you do not have to pay the amount in question until we send you a notice about the P Omterly Prime+margin previously disclosed to you This first day of the outcome of Our investigation,•ou are rev L Ouatsrt LIBOR*margin b. ga y possible for the remainder of your balance. y p,-iously disclosed to you billing pert•!s than .We can apply any unpaid amount against your Credit limit. C r�uarlerty CYO+margin previously disclosed to you mid in January,April, your Rights H You Are Dissatisfied With Your Cretllt Card Fyarchases.H you are dissatisfied S Bankeard Prime+margin previously disdosod lo you July and October. 9 Y - with the goods or services that you have purchased with your credit card,and you have tried in D Monthly Prima-margin pr-awously disd-ccl fo you The first day of each good faith to correct the problem with the merchant,you may have the right not to pay the F Monthly LIBOR+margin pmvmusly disclosed to you monthly billing remaining amount due on the purchase.To use this right,all of the following must be true 1. G Troaaamy LIBOR+margin previously diadosed to you period. The purchase must have been made in your home state or within 100 miles of yourcumem mailing address,and the purchase price roust have been more than S50.(Note:Neither of these Are there Additional Fees asoclated with my account?Yes,antler certain Circumstances, are nece—ry it your purchase was based on an advertisement the mailed to you,or if we Own you may be,assessed a Late or Retumed Payment Fee.You may also be charged overlimit fees B the company that sold you the goods or services.)2.You must have used your credit card for permitted by law.We reserve the right to not assess fees without prior notice and without the purchase.Purchases made with cash advances from an ATM or with a check that accesses waiving our right to assess a similar fee later. your credit card account do not quality.3.You must not yet have fully paid for the purchase.If How n t Close My Account You may close your account by calling or writing our Customer all of the criteria above are met and you are still dissatisfied with the pumhase,contact us Relations Department.At that time,the dl)provide additional details including payment in'^itim.t information.If you use your credit card or charges post to your account after you ask us to Capital One close it•we can keep your account operrTO avoid paying any applicable membership fees,Call P.O.vox 30285 to close your account prior to the end of the cycle in which it is scheduled to be billed. Salt Lake City,UT 841350285 What happens H my Accaur.t Is Su--dedl We may close or suspend ynur ace-aunt and While sg krwestiga[e,the same rules apply to the disputed amount as discussed above.After your tight to obtain credit at any time and for any reason,even if you are not in d ult ve finish cur invesrtWrion,the trill tell you our decision At that pint,if we think you owe an A.count susp!nsinn can be permane or temporary.If your account is closed or nxspanded amount and you do not pay the may report you as delinquent. you must tj stop using your credit card and account,2)cancel all automatic Payments,3) Carritaf One supports information privacy protection:see our website at snvsv.rapitalonecom destroy all credit cards and access r hacks,and 4)pay all amounts you owe•us,even H they were Capita)One is a federally registered service mark of Capita)One Financial Corporation.AJI rights Charged after the account was closed or suspended. resented:)2010 Capital One How do I Make Pyntents7 Payments you mail to us will be credited to your account as of the business day wen receive it,as long as 1)you send the bottom portion of this statement and your check in the enclosed remittance envelope,and 2)your payment is received in one of our processing centers by 5pro local time.Please allow at least(2)business days for mail delivery. TC Oa 03,D1fll 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 printaddress or phone numberchanges 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 Cam/""`'- Page 2 of 2 1.800-867-0904 www.capkalone.com/smallbtisiness l Mar.14-Apr.13,2011 31 Days in Billing Cycle I INS: (- I Credtlimit: 53,600.00 i Visa Business Card XX)D(-XXXX-XXXX-9705 Available Credit: 50.00 NEW BALANCE k..-...w"M';: li:Z:' V,Mz DATE, I Cash Credit lnnii: 53,600= $3.960.13 iY`.•a Z-` v, v�1 • Available Credit for Cash: s oo i I Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 53� 815.06 — ` 539.00 .} 5174.07 + 5�-- 0 c r Sr 3,960,13 � J (BUSINESS TRANSACTIONS CONTINUED j INTEREST CHARGED(CONTINUED) INTEREST CHARGE:CASH 511.30 Total interest his Period S96.07 Total Interest This Year 5369.52 Under terms preciously disclosed to you,some or all of your Annual Percentage Rates I (4PRs)have been increased since your account was past due twice in the past 12 billing cycles,ff your rates have already increased,subsequent delinquencies extended file i duration of the increased rates.Remember:f we receive your minimurn monthly I payment on time for 12 consecutive billing cycles,this account will be reviewed for a possible return to your Non-introductory APR. 'four account has gone over its credit limit.To avoid additional overlimit tees,you should pay more than ttre Minimum Payment.'lease pay enough to bring your account balance below your credit limit immediately,and male sure your account balance remains below your credit limit.Please be sure the amount you pay accounts for any future purchases,fees,and finance charges. You Caere assessed a past due fee because your minimum payment was not received by the due dale.To avoid this fee in the future,we recommend.drat you allow at!east 7 business days for your minimum payment to reach Capital One. i I i 1 I 3 `i i � TAKE CONTROL OF YOUR CAPITAL ONE® CR�n' . ACCOUNT AND KEEP IT FROM BEING rwrhaYs in your wallet? PERMANENTLY UNUSABLE. CRAIG L KRABER 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. TO 200Y Capital One. Capital One L a fedl auy r'egisrrred sn'airc mark.All eighty-neurone/ Page 1 of 2 1-800-667-0904 l www.capitalone.com/smalibusiness Apr.14-May.13,2011 30 Days in Billing CydeJ RNINNINNISSR: IN: IN :qi:; MINIMUM PAYMENT WARNING:It you make only the minimum payment each period,you i Hill pay more in interest and it will take you longer to pay off your balance.For example: 1 disc Business Card XXXX•XXX)C-XXXX-9705 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE DUE.�� Additional Charges Are Made statement Balance Total Cost i $4,095.32 .•;4':?ii? ..a„• Minimum Payment 22 Years 89,2.53 i r If you would like information about credit counseling services,call 1-888-326-8055. r i "•�'`'` LATE PAYMENT WARNING:If we do riot receive your minimum payrre-nt by your due date, Credit Limit:53,600.00 Cash Credit limit:53,600.00 you may have to pay a$39.00 late fee and your APRs may be increased up to the Penalty APP.of 29.40%. i ' Available Credit 50.00 Available Credit for Cash:SO.CO i — I Pre,Aous Balance Payments and Credits Fees and Interest Charged Transactions New Balance J-I S3,960.13 — 539.00 t I S1'74.19 -� t 50.00 = S4,095.32 '.:`:\..^:`::if,;\:•••�v��ii vA'�>•tt:nt•':r to rwf a"iur::.,1 •:•::`..a .i.. s. Help is Available. Renewal Nuti.e-Your annual membershipfee is S29 and will fie trilled on your 1 06/'2011 billing cycle.See both sides of the first page of this statement'.0i important ; Just p i ck u p the phone. information abort[rates and interest charge calculation. BUSINESS TRANSACTIONS Call 1-800-955-6600 and a specially Lrained agent will PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 1 20 APR Hardship Courtesy Fee waiver (S39.00) be happy to help you check your balance and make payments. J FEES INTEREST CHARGE CALCULATION 1 10 MAY PAST DUE FEE. 539.00 2 13 MAY CVEP.LIMI T FEE^1A•f 13,2011 S39.00 Your Annual Percentage Rate(APR)is the annual interest rate on your account. Total Fees This Period 573.00 Annual Percentage Balance Subject to Total Fees This Year 5234.00 Type of Balance Rate(APR) Interest Rate Interest Charge purchases 29.40%D I 53,516.53 I 584.98 Cash 29.40%D 5463.86 S11.211 lTransactions continue On page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPiTALONE.COMySMALLBUSI NESS TO MAKE YOUR PAYMENT ONLINE. 1 4115072218919705 13 4095320236500749500 CAW Account Number:4115-0722-1891-9705 Due Date New Balance F,•iE::i;;:c;;:p>•;•:::;;;t Amount Enclosed Take advantage. Take control. Jun i 0n 0,201 11 $4,095.32 50 Manage your account online at www.capitalone.com •Make payments •Review account information AQ •Manage your account in privacy 400006 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N.A. MECHANICSBURG, PA 17055-5799 P.O. Box 71083 IIIIrI,II,11rIL1u,11111,111”II111111"J,IIIILrlllrrlerltlllt Charlotte, NC 28272-1083 ulllll'Itl^ulll'Irllllnl"111th"II'1'lll'll"III11111'Inl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. gm 1? How can I avoid paying Interest Changes?Each month you pay your"New Balance"in full, Mailed payments received by u,at any other location or in any other form may not be credited you will have m grace period of 25 days with no interest charge on all new 1) as of the day w e receive them. purchazto 2)balan a h'ansters,3)special purchases and 4)other charges.If you have been paying your account in full with no interest charges applied and you do no pe your next bill Do you Process Paper Checks as an Electronic Funds iransfer7 When you provide a check as payment,you authorize us and our agents either to use information from your check to make a in full,prorated interest charges will be assessed.There is no grace period on cash advances, one-time electronic fund transfer from your deposit account or to process the payment as a special transfers,or on any—transaction whm there is art unpaid balance from a previous check transaction.When we use information from heck to nmke an deamnic fund bin. Your r. transfer,funds may be:vithdrmvn from your deposit account as soon as the same day we How is the Interest Charue applied?Interest charges accrue from the t)date of the receive your pavment and you will not receive your check back from your financial institution. Transaction,2)date the transaction is processed or 3)first calendar day of the tilling period. Your authorization is not limited by the date on the check.We may resubmit and electronically Interest charges accrue on every unpaid amount until it is paid in full.This means you may owe collect the returned payments. imemst charges even it you pav the entire"New Balance"one month,but did not do so for the what It I file for Bankruptcy?If you are entitled to bankruptcy protection,this previous month.Unpaid interest charges am,added to the proper segment of your Account. cation is for irtormation only,h is not an attempt to collect,assess or recover a debt However, reserve the right to not assess interest charges at any time orl claim.r'Do not send us payments ithout speaking with your bankruptcy attorney or the Do you assess a Minimum interest Charve7 Yes.A minimum INTEREST CM: E of 50.50 will Bankruptcy Court.if you or you,attorney would like to contact our bankruptcy claims senicer be assessed for each billing period your account is subject to an interest charge. directly,please contest:Central One-PO Box 30265-Sal!Lake Cry,LIT 6413 0-02 65 How did you Calculate the Interest Charve7 There are several calculations that am used 1. BILLING MGI4TS SUMMARY(Does Not Apply to Small Business Accounts) detenine your total interest charge.1.To get your Daily Balance:For each segment,1i)take What To Do it You Think You Find A Mistake On Your Statement:If you think there is an the beginning balance and add in new transactions and the periodic interest charge on the error on your statement,write to us at: previous day's balance.2)Subtract any payments and credits for that segment as of)hat day. Capital One The result is the daily balance for each segment.Howvever,f you paid your previous month's balance in full(or f your balance was zero or a credit amount),new transactions which post to Sell Box 30285 City, your Isurchase or special Plrrrha,C segments are not added to the daily balances.Also, Salt Lake ter,UT 84130-foll «ansa::ions that are subject to a grace period are not added to the daily balances.2.To find In your letter,give o The fallowing intonation: erayeDailyBalana:l)add the daily balancestogether and2)divide:hesumbythe 'ACCeun�iDtormation:Yournameandaccoun;number. umfaer of days in the billing cycle.3.Estimate your Total Interest Charge:1)multiply your 'Resler a. uM:The dollar amount of the suspected rotor. erage daily balance Ly the daily periodic rate and 2)multiply the result by the number of days 'wrong d h Poo bell If you think there is an error on your bill,describe what you believe is inthe billing period.NOTE:Due to munding or a minimum interest charge,this calculation may vvmng and why you believe is is a rnis:ake. vary from the interest charge actually assessed- contact s within 6r•days after the error appeared on your statement.notify f any potential errors in lwitinv.You may call us or notify us electronically, How can any variable Annual Percentage Rate(APW change?your APR may increase or but 8 you de we are not required to investigate any potential errors and you may have to pay decrease based on one of seven standard indices reported in The INalf Stm..r:v✓mal.To find the amount in question. which index is used for your account.luokfor a code IF,L,C,S,D or F)on the front of this While eve investigate whether or not:here has been an error,the following are true: statement next to the APR(,).Than check iha labia below- -We cannot try to caller.the amount in question,or report you as delinquent on that amount. Code next to your When your Annual •The charge in question may remain on your statement,and we may continue to charge you Annual Pe—tage Index which your rates are based on lo—emage Rate interest on that amount.But,h we determine that we made x mistake,you will not have to pay Rate(APR) will change the amount in question or any interes•.or other fees related to that amount. P Ooaterl Prime+mar n previwsy disclosed to you The first day of the .While you do not have to pay the amount in question until we send you a notice about the y gI outcome of our in•estigation,you are responsiblefor the mm cinder of your balance.. L Cuarterly LIBOR+margin previously disclosed to you billing periods that We can apply any unpaid amount against your credit limit- C quadu V CD+vile✓gin previnusly disclosed to you and in Ja"Illy,April, S Bankcard Prime+margin pmwiously died osed Is you !uly end October. Your Rights If You Are Dissatisfied With Your Credit Card Purchases.If you are dissatisfied — with the goods or services that you have purchased wvith your credit card,and you have tried in D fAmthly Frin,a+margin praviousiy disclosed to you The first day of each good faith to correct the preblen with the merchant,you may have the right not to Pay the F Mmihl•LIBOR+margin previ ously di-lncod to you r-t ly billing remaining amount due on the purchase.To use this right,all of the following muss be true 1. G Treasury LIBOR+margin previ ously disd—od to you period. The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price most have been snore than$50.(Note:Neither of these Are there Additional Fees associated with my account?Yes,antler certain circumstances, nary it your purchase was based on an advertisement wve mailed to you,or if we own, you may ten assessed a Late or Returned Payment Fee.You may also be charged ovedimi[fees R the company that sold you the goods or services.)2.You must have used your credit card for permitted by law.We reserve the right to not assess fees without prior notice end without the purchase.Purchases made with cash advances from an ATM or with a check that accesses wing our right to assess a similar fee later. your credit card account do no!qualify.3.You roust not yet have fumy paid for the purchase.if Hrsw ran I Close My Armrmt?You may close your account by calling or writing our Customer all of the criteria ebove are met and you are still dissatisfied with the purchase,contact us Relations Depammem.At that time,we will provide additional details including Payment to w;ingar. m,atign.If you use your credit card or charges post to your accounr after you ask us to Capital One close it,we can keep your account open.To avoid paying any applicable membershipfees,call P.D.FbIs 30285 to close your accoun[prior to the end of the cycle in which it is scheduled to be billed. Salt Lake Ciiy,UT 84130.0285 What happere If my Arror•nt Is 5-r.—ol'Av we may dose or suspend your account and While we investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigation,—ill tell you our decision.At that point,if we think you ow•e an your right to obtain credit at any time and for any reason,even it You are not in default ,mount and too do not pay woe may report you as delinquent. Account suspension can be permanent or temporary.If Your account is closed or suspended you must 1)stop using your credit card and account,2)cancel all automatic payments,3) Capin One supports intorrration priya fry protection:sec gar website at wsysv.radtalgne r-gm der,my all credit cards and access checks,and 4)pay all amrounts you we us,even if they were Capital One is a federally registered service mark of Capital One Financial Corporation.All rights charged after the account was closed or suspended. reserved t)2g1 o Capital One How do I Make Pawnentsi Payments you mail to us will be credited W your account as of the basin ss day wt,receive it,as long as 1)you send the bottom portion of:his statement and your check in the c-losed remittance envelope,and 2)your Payment is received in one of our processing centers by 5prn local time.Please allow at lease(7)business days for mail delivery. TC-08 03,91!11 Changing Address? Not quite ready to make payments online? Address........................................................................................... No problem. Follow these simple steps to make sure ................_................._............................................. we process your payments smoothly: Home Phone..................._....-------.-------------._.................................... -- • Don't staple or paper clip your check to the payment slip. Alternate Phone. •lie sure to use the payment envelope that came with your E-mail _ e 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 of 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 Page 2 of 2 1-800.867-0904 www.capitalone.com/smalibusiriess. Apr.14-May.13,2011 30 Days in Billing Cycle ` Credit Limit: 53,600.00 i Visa Business Card )0=-XXXX-XXXX-9705 Available Credit: 50.00 NEW BALANCE v?:iN`S aAY MEN'T Dki%.. A:- i i Cash Credit Limit: 53,600.00 i $4,095.327'y->.~• S:" ?� Available CreditfotCash: 50.00 i i Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 53,960.13 J — 539.00 -I- ( 5174.19 ,) -f- 50.00 _ _ S4,095.32 (BUSINESS TRANSACTIONS CONTINUED i INTEREST CHARGED INTEREST CHARGE:PURQiASES 584.98 N EP.EST CHARGECASH 511.21 Total Interest This Period 596.19 Total interest This Year 5465.71 Under terms preciously disclosed to you,some or all of your Annual Pe.icentage Rates ik.?Rs)have been increased since your account was past due trice in the past 12 billing cycles.If your rates have already increased,subsequent delinquencies extended the duration of the increased tales.Remernber If we receive your minimum monthly payment on time for 12 consecutive billing cycles,this account will be reviewed for a possible return to your Non-Introductory APR. Your account has gone over its credit limit.To amid additional overlimit W15,,you should pay mote than the Minimum Payment.Please pay enough to bring your account balance bcluw your credit limit immediately,and make sure your account balance remains below your credit limit.Please be sure the amount you pay accounts for any future purchases,fees,and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date.To mid this fee in the future,we recommend that you allow at least 7 business days tot your minimum payment to reach Capital One. i I i i I i i i I i i i i 500012 C;3pffal/ Zes in your wallet? IT'S STILL NOT TOO LATE, CRAIG L KRABER Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! YOU`RE BEHIND BY Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. (c)2009 Capital Onr..Cal,ital One is A firlrrally nWistrred sr—ice mark.All righis—IL Page 1 of 2 1-800-867-0904 l www.capitalone.conilsmallbusiness May.14-Jun.13,2011 31 Days in Billing Cycle MINIMUM PAYMENT WARNING:B you make onlythe minirum payment each period,you yell pay more in interest and it will take you longer to pay off your balance.For example Visa Business Card XXXX-XXXX-XXXX-9705 Payment Amount Each Period If No Appradmate Time to Pay Off Estimated NEW BALANCE ;MI et C3 i ;ya`�hZT DUE D ITIZ Additional Charges Am Made Statement Balance Total Cost 54,227.12 �•r ,s Minimum Payment 22Years 89,307 -•-• •"- , `• If you would like information abort credit camseling services,car 1-888-326-8055. i i LATE PAYMENT WARNING If we do not receive your minimim payrmnt by your due date, Credit Urnit:S3,600.00 Cash Credit Limit:53,600.00 YOU may have to pay a$39.00 late fee and your APRs may be increased up to the Penalty APP•of 29.40%. i Available Credit:Su".00 Available Credit for Cash:50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 54,095.32 - 539.00 } 5170.80 J .{- I 50.00 I = 54,227.12 �_- . ::::::: :...::..: ::::..;h:::�::...:,:..._. .. . ; Help is Available. °Important Notice""Under the terms tae previnusly disclosed to you,your account is ' no:.,eligible for an increase in Annual Percentage Rates(AP's)ef`ective immediately. ! Just pick u p the phone. However,Capital One has elected not to raise your APRs at this time.Please be advised that if you fail to keep your Wmtnt in good standing,Capital One reserves the right to raise your APRs in the tutu e. Call 1-800-955-6600 and a specially trained agent will BUSINESS TRANSACTIONS ) be happy to help you check your balance and make payments. PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 1 18 MAY Hardship Cnunesy Fee Waiver (539.00) INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate(APR)is the annual interest rate on your account. 1 10JUN PAST DUE FEE 539.00 Annual Percentage Balance Subject to 2 13 JUN CAPITAL ONE MEMBER FEE 529.00 Type of Balance Interest Charge Rate(APR) InterestRete Total Fees This Period 568.00 - --- TotalFeesThisYear 5263.00 Purchases 2.9.40%D I 53,641.44 I 590.93 Cash 29.40%D 5475.40 511.87 lTransactions Continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.0OM/SMALLBUSINESS TO MAKE YOUR PAYMENT ONLINE. 1 4115072218919705 13 4227120236500935509 CRW Account Number:4115-0722-1891-9705 Due Date New Balance 1:i;;s;;v;:•F'4;•;r::,•,; Amount Enclosed Take advantage. Take control. �jul t 0,10,2012 X4,227.12 \ ��;: Manage your account online ' �/ at www.capitalone.com ...:.�..=..•.. •Make payments •Review account information •Manage your account in privacy 400006 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR i Capital One Bank (USA), N.A. MECHANICSBURG, PA 17055-5799 h P.O. Box 71083 1'Illllll"11111'llll'll"1111'III"lllllll'Il"'Illlll'Ill'1I11 Charlotte, INC 28272-1083 1111111'III"nlll'Irhllnl"Illlh''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. owl 1, How can I avoid paying Interest Charges?Each month you pay your"New Balance"in full, Mailed payments received by us at any other location or in any other form may rent be credited you will have a minimum grace period of 25 days with no interest charge on all now 1) as of the day we receive them. purchases,2)balance transfers,3)special purchases and 4)other charges.If you have been pu You Rocess Paper Checks as an Electronic Funds Transter7 When paying your accoun;in full with no interest charges applied and you do not pay your next bill y 1 you provide a check as in prorate charges will be assessed.There is no grace period on cash advances, payment,you authorize us and our agents either to use information from your check.to make a full, r interest cha one-time electronic fund transfer from your deposit account or to process the payment as a special transfers,or on any new transaction when there is an unpaid balancefrom a previous bill. check.transaction.When we use information from your check to make an electronic fund i r,funds How Is the Interest Charue applied?Interest charges accrue from the 1)date of the receive maybe withdrawn from your deport;account as soon as the same day sue transaction,2)date the transaction is processed or 3 first calendar day f the billin. your payment and you swill not receive your check back from your financial institution. Y D period. your authorization ri to ine is net limited 61'the dale on the check-We may resubmit and electronically Interest charges accue on every unpaid amount until it.is paid in full.This means you may owe cotters:he retuned payments. interest charges even if you pav the entire'New Balance"one month,but did no:do so for the What it I file for Bankruptcy?if•ou are entitled to bdnkru on,this previous month.Unpaid interest charges madded To the proper segment of your Account. ? .. P!-y Ro"4'r However,we reserve the right to not assess interest charges at any time. communication is for information only,rat is not an attempt to collect,assess or recover a debt or claim.Do not send us payments without speaking with your bankruptcy attorney or the Do you assess a Minimum Interest Charge?Yes-A minimum INTEREST CHARrM of SD.SD will Bankruptcy Court.0.you or your anorncy would like to contact our bankruptcy claims Service; be assessed for each b0ling period your account is subject to an interest charge. directly,please contact:Capital One PO Box 3D265-Salt Lake City,UT 6413&0285 How did you Calculate the hrtenest Chame7 Thera are'seseral calcula:tom that am used to FILLING RIGHTS SUMMARY(Does Not Apply to Small Business Accounts) determine your total interest charge.1.To get your Daily Balance:For each segment,11 take What To Do If You Think You Find A Mistake on Your Statement If you think there is an the beginning balance and add in new transactions and the Periodic interest charge on the erto on your statement,write to us at: previous day's balance.2)Subtract any payments and credits for that segment as of that day. Capital One The result is theiaily balance for each segment.However,if you paid your previous month's balance in full(or f your balance was zero or a credit amount),new transactions which post to P.O.Be.3D2.85 your purchase or special purchase segments are not added to the daily balances.Also, Sett Lake Cie;,UT eUS the following transactions that are subject to a grace period are not added to the daily balances.2.To find In your letter,give us the{ollowing information: erage Daily Balance:11 add the daily balances together and 21 divide the sum by the 'Account a oust he d Your name and account number.number of day:in the billing cycle.3.Estimate your Total Interest Charge:1)multiply your 'Dollar amount The droller amoun:of the suspected error. -,age daily balance by the daily periodic rave and 2j multiply the result by the number of days 'Description of Problem If you think mere is an error on Your Pill,describe what•loo believe is n the billing period by Due to rounding or a minimum interest charge, his calculation may wrong and why you bdirve is is a mistake. vary from the interest charge actually assessed. - You must contact us within 60 days after the error appeared on your sta!ement. You must notifyusof any potential errors in writing.You may callus or notfy us electronically, How can my variable Annual Percentage Rate(APW change?your APR may incrcuse or but f you do we are not required to investigate any potential errors and you may have to pay decrease based on one of seven standard indices reported in The Wall Street lusnal.To find the amount in question. which index is used for your account,bokfor a code(P,L.C,S,D or F)on the front of this While we investigate whether or no!.here has been an error,the following_are!me: statement next;o the APR(S).Then check the table below We cannot try to collect the amount in question,or report.you as delinquent on that amount- Cotle next to your When your Annual The c is in question may remain on your statement,and we may continue to charge you Annual Percentage Index which your rates are based on Percentage Raze interest on that amount.But,f we determine that we made a mistake,you will not have to pay Rate(APR) will change the amount in question or any interest or otherfees related to;bar amount. -While you do not have to pay the amount in question until we send you a notice about the P Quarterly Prim.+margin prwiwsly disclosed to you The first day of itro outcome of our investigation,•ou are res L Quarter) LIBOR N dlscloo-t^ 9 / styour efortli rernaindcr of your balance. Quarterly peviau y you billing periods baz .We can apply any unpaid amount against your credit limit. C Quarterly CD+margin previously disdused to you raid in January,April, your Po hU If You Are Dissatisfied With Your Csedh Card Purchases.d 5 Bankcard Prime+margin prov...ly clad...d lo you July and Orbbar. F you are dissatisfied -- with the goods or services That you have purchased with your credit card,and you have tried in D Monthly Prima+—gin previously disclosed le you The first day of each good faith to correct the problem with the merchant,you may have the right not to Pay the F Monthly LIBOR+margin pr.w.usly d,-I.sw't^you monody billing remaining amount due on the purchase.To use this right,all of the`following must be true 1. O Tmasuy LIBOR+margin previously disclosed b you pod.d. you must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.2.You Are there Additional Fees associated with my account?Yes,under certain circumstances, rust not yet have fully paid for the purchase-If all of the criteria above are;net and you are you may be assessed a Late or Retuned Payment Fee.You may also be charged overlimit fees if still dissatisfied with the purchase,contact us in writing at: permitted by law.We reserve the right to not assess fees without prior nodre and wiMouT Capital One waiving..,right to assess.similar fee later- P.O.Be.30285 How can 1 Close Mr Account?You may close your account by calling or whiting gur Customer Salt Lake City,UT 8413&0285 Relations Department.At that time,ewe will provide additional details including Payment While sou investigate,the same rules apply to he disputed amount as discussed above.After information.if you use your credit card or charges post to your account after you ask us To ve finish cur investigation,we will tell you our decision.At that point,if we think you owe an close it,we can keep your account open.To avoid paying any applicable membership fees,call amount and you do not pay we may report you as delinquent. to close your account priur to the end of the cycle in which it is scheduled to be billed. Capital One supppm information privacy protection:see ourweMite at low-capitalone.com What happens If cry Arrmnrrl Is Suspended?We may dose or suspend your account and Capital One is a federally registered service mark of Capital One Financial Corporation.All rights your right b obtain credit at any time and for any reason,even if you are not in default reserved f'�2010:apital One A.c punt suspension can he permanent or temporary.If your account is closed or suspended you must 1)stop using your credit card and account,2)cancel all automatic Payments,31 destroy all credit cards and access checks,and 4)pay all amounts you^srs us,even if they were charged after the account was closed or suspender). How do I Make Payments?Payments you mail to us will be credited to your account as of the burin se day we receive it,as long as:1)you send the bottom portion of this statement and your check in the a Posed remittance envelope,and 2)your payment is received in one of our processing—r—tN 5prn tonal time.Please allow at least(7)business days for mail delivery. T008 031D1lt1 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 AlternatePhone........................._................._............................................. 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. 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 cal I Page 2 of 2 1-900567-0904 l www.capitalone.com/smallbusiness May.14-Jun.13,2011 31 Days in Billing Cycle l Credit ti Visa Business Card XXXX-XXXX-XXXX-9705 limit: 53,500.00 Available Credit: SC.00 NEW BALANCE Cash Credit Limit: 53,600.00 $4,227.12 °_ :: :` ZZ11 i i Available Credit for Cash: 50.00 li Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance i S4,095.32 39.00 5170.80 \) S0.00 = 54,227.12 (BUSINESS TRANSACTIONS CONTINUED � I INTEREST CHARGED i NTEREST CHARGE:PURCHASES S90.93 INTEREST CHARGUASH S'1.87 Total Interest ibis Period 5102.80 T otal!nNrest This Year 5568.51 Your account has gone over its credit limit To void additional overlimit fees,you should pay more than the Minimum Payment.Please pay enough to bring your account balance belong your credit limit immediately,and malre sure your account balance remains belay.,your credit limit.Please be sure the amount you pay accounts for any future purchases,fees,and finance charges. 'iou.Neie assessed a past due fee because your minimum payment was nut received by the due date.To a4d this fee in the future,we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. i i i i I I i 500012 Ca�in your wallet? IT'S STILL NOT TOO LATE. CRAIG L KRABER Your account is unusable. Please pay the amount due on your YOU'RE BEHIND BY statement by the due date. Remember we're here to help! Let's work together to find a solution that's right for you. i 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(:apizal One.Capital Onp is a f eLmally regirtrrel sernite mark.A11 righu reseruek Page 1 of 2 1-800-667-0904 www.capitalone.com/smalibusiness Jun.14-Jul.13,2011 30 Days in Billing Cycle MINIMUM PAYMENT WARNING:It you make only the minimum payment each period,you I will pay more ir.interest and it Wit take you longer to pay off your balance.For example: IVisa Business Card XXXX-)OO(X-XXXX-9705 Payment Amount Each Period If No Approximate Time to Pay Orr Estimated iNEW BALANCE >aF..•;3? S k'AY E EZVIT "nI D Additional Charges Am Made Statement Balance Total Cost $4,353.29 $110 W�l ,"t�16,201 I Minimum Payment 22 Years $9,445 i If you would like information abort credit counseling services,call 1-885-326-8055. i LATE PAYMENT WARNING:If we do not receive your minimum payrwnt by your due dare, t Credit Limit:53,600.00 Cash Credit Limit:53,600.00 you may hair,to pay a$39.00 late fee and your APRs ooy be Increased up to the Penalty APP•of 29.40°5. Available Credit:Su.00 Available Credit for Cash:SO.CO i i I Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 1 54,227.12 _ 55s.00 + 5181.17 + 50.00 = I S4,353 29 a:1� ;�::> ;::::�:e `•.;�.:x::.; :�::°;::. :. :: :. :::::...: ...:.. Help is Available. P.ene,,val Notice-Your annual membershipfee is 529 and twill be billed on your ; 0612012 billing cycle.See both sides of the first page of this statement for important Just p i ck u p the phone. information about rates and interest charge calculation. c 9 _BUSINESS TRANSACTIONS Call 1-800-955-6600 and a specially trained agent will PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 1 OB JUL DIRECT DEBIT PAYMENT (S55.00) be happy to help you check your balance and make payments. FEES INTEREST CHARGE CALCULATION 1 11 ILL PAST DUE FEE 539.00 2 13 JUL OVERLIMIT FEEJUL 13,2011 539.00 Your Annual Percentage Rate(APR)is the annual interest rate on your acolunt. Total Fees This Period 573.00 Annual Percentage Balance Subject to Total Fees This Year S341.00 Type of Balance Interest Charge Rate(APR) Interest Rate Purchases I 29.40%D 53,762.53 591.40 Cash 29.40%D 5437.21 S11.77 i Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM/SMALLBUSINESS TO MAKE YOUR PAYMENT ONLINE. 1 4115072218919705 13 4353290055001068502 Account Number:4115-0722-1891-9705 Due Date New Balance fylss::c P>y:m,,ni Amount Enclosed Take advantage. Take control. Aug 10 2011 $4,353.29 I Manage your account online ' at www.capitalone.com •.•:.�.-..-•.. •Make payments •Review account information •Manage your account in privacy 400006 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N.A. - MECHANICSBURG, PA 17055-5799 P.O. Box 71083 1111111;1111111111'II"1'111'I'1'I'I'1'IIII'II,IIIIIIrl,11rl1r,11 Charlotte, NC 28272-1083 1111111'11E"n111'1rh11u1"Iluh"11'1'111'11"IIIIIIII'Inl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. oaf 13 Flow can 1 avoid paying Iriterest ChamesT Each Too nth you pay your"New Balance"in full, Mailed payments received 1),us at any other)oration ur in any other form may not be credited you will have a minimum grace period.1 25 days with no interest charge an all new 1) as of the day we receive them. purchases,2)balance transfers,3)special purchases and 4)other charges.If you have been Du you Process Po ter Checks as an Electronic Funds T-9m, When paying your account in full with no interest charges applied and you do not pay yuurnext bill Y P you provide a check as in full,prorated interest charges will be assessed.There is no grace period on cash advances, Payment•you authorize us and our agents either to use information from your check to make a special transfer when or on any new transaction hen there is an anpoid balance from a previous on •ime electronic fund transfer from your deposit account or to process the payment as a hill check transaction.When we use information from your check to make an electronic fund How Is the Interest Charge applied?Interest charges.demo from the t)date of the transfer,funds may be withdrawn from your deposit account as soon as the same day we How Is the 2 date es the transaction a py i;processed a 3)fin;calendar der of the billing your Payment and you will not receive vour check back from your financial institution. y g period. Your authorization is not limited by the date on the check.We may resubmit and electronically Interest charges accrue on every..paid amount until it is paid in full.This means you may owe collect the returned payments. interest charges even if you par the entire"New Balance"one month,but did not do so for the What it I file for Bankruptcy if•ou are entitled to b.nkru t- pmvio month.Unpaid interest charges are added to the proper segment of your Account. 'cation is for information only,is is not an attempt o cote ct assess,orsre:over.del,. However,eve resen•e the right to not assess interest charges at my time. or'daim communication not send us payments without speaking with your bankruptcy attorney or the Do you asses a M riui um Interest Charge?Yes.A minimum INTEREST CHAFE of S0.50 will Bankruptcy Court.if you or your attorney would like to contact our bankruptcy claims service, be assessed for each billing period your account is subject to an interest charge, directly,please contact:Capital One-PC)Box 30285-Salt Lake Cry.UT 64130-1285 flow,Aid you Calculate the Interest Champ?There are several calculations that am used to FILLING RIGHTS SUMMARY(Does Not Apply to Small Business Accounts) determine your total interest charge 1.To get your Daily Balance:For each segment,1)take What To Do If You Think You Find A Mlsmke On Your Staterrerd:If you think there is an the beginning balance and add in new transactions and the periodic interest charge on the previous day's balance.2)Subtract any payments and creclits for that segment as of that day. error on your statement,write to us a[ The result is the daily balance for each segment.Hoevever,N you paid your previous month's Capitol One balance in full(or if your balance was zero or a credit amount),new transactions which post to P.O.Bon 302-85 vour purchase or special purchase segments are not added to The daily balances.Aso, In y Lake City,UT B4t30-D285 transactions that are subject to a In your letter,give us the following information: grace period are not added to the daily balances.2.To find .Account information:Your name and account number. your Average Daily Balance:11 add the daily balances together and 2)divide;he su by the .Dollar amount:The dollar amount of the suspected a'mr, umber of day;in the billing cycle.3.Estimate your Total interest Charge:?)multiply your average daily balance by the daily periodic rate and 2)multiply Me result by the number of days 'Description of Problem.-If you think there h an error on your bill,describe what you believe is in the billing period.NOTE:Due to rounding or a minimum interest charge,this calculation may van m antl why you believe it is a mistake. vary from the interest charge actually assessed. must contact us within t days after the army appeared on your statement. .gum ,notify us of any potential errors in 1vri;inn.Vou may rail us or ngtfy us electronically, Flow can my variable Annual Percentage Irate(MW change?Your APR may increase or but it you do eve are not required to investigate any potential emery and you may have to pay decrease based on one of seven standard indices mported in The Wall Scree:)otmal.To find the amount in question. which index is used for your account.took for a code(P,L.C,S.C or F)on the front of this While we investigate whether or no!there has been an ergr,the following are True: statement net to the APR(s).Then check the Table below: -We cannot try to collect the amount in question,or report you as delinquent on that amount. Code nerd to your When your Annual •The charge in question may remain on your statement,and we may continue to charge you Annual Percentage Index which your rates are based on Percentage Raze interest on that amount.But,if we determine that we made a mistake,you will not have to pay Rate(APR) will change the amount in question or any interest or other fees related to that amount. -While you do not have to pay the amount in question until we send you a notice about The P Cuaderly Prime+margin prwiduslr disclosed To you The first day of th° outcome of our investi ation,you are L Cuaderly UeOR*margin preri-4y disclosnd to you billing periods that t.c can a g responsible for the remainder of your balance. C Qua lerly CD+margin previously disclosed to you aid in January,Aptil, a apply any unpaid amount against your credit limit. 5 13-kcard Prime+margin previously disclosed to you ,iuly and Cctobec Your Rights ff You Are Dissatisfied With Your Cmdh Card Purchases.If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in D IA-thly Frima+margin pronously disc--d to you The first day of each good faith to correct the problem with the merchant,you may have the right not to pay the F Monthly UBOR+margin prep.sly disclosed to you monthly billing remaining amount due on the purchase.To use this right,all of the following must be tenet 1. G Treasury LIBOR+margin previously disclosed to you period. You must have used your credit card for the purchase.Purchases made with cash advances from an A1N or with a check that accesses your credit card account do not quality.2.You Pre there Additional Fees asoclated with my account?Yes,under certain cirrumstare es, must not yet have fully paid for the purchase.If all of the criteria above are mart and you are you may be assessed a Late or Retumd Payment Fee.You may also be charged overlimit fees if still dissatisfied with the purchase,contact us in writing aT: permitted by lase.We reserve the right to not assess fees without prior notice and without Capital One waiving our right to assess a similar fee later. P.O Box 30285 elaw can 1 Close My ArcnuntT You may rinse your account by railing or writing our Customer 5alt Lake City,UT 84130-0285 Rotations Department.At that time,eve will provide additional details including payment While eve investigate,the same-des apply to the disputed amount as discussed above.After information.If you use your credit card or charges post to your account after you ask us to eve finish our investigation,we a mill tell you our decision.At that point,if eve think you cove an close it,eve can keep your account open.To avoid paying any applicable membership fees,call amount and you do not pay eve may report you as delinquent. to close Your account prior to the end of the cycle in which it is scheduled to be billed. Capital One supports information privacy protection:see our webstte at wssnv.capitalone.com What happens If my Arrgmnst 1,Su—ndeel?We may close or suspend your account and Capital One is a federally registered service mark of Capital One Financial Corporation.AT rights your sight to obtain credit at any time and for any reason,even if you are not in default. resented&2010['apical One Account suspension can to permanent or temporary.If your...aunt is closed or suspended You must 1)stop using your credit card and account,2)cancel all automatic payments,3) desnny all credit cards and access checks,and a)pay all amounts you owe us,even if they were charged or the account was closed or suspended. How do I Make Paynnems?Payments you mail to us will be credited to your account as of the business day we receive it,as long as 1)you send the bottom portion of this statement and your check in the enclosed remittance envelope,and 2)your payment is received in one of our p mcm,"ing centers by Sprn local time.Please allow at least(7)business dap for mail delivery. TC-08 --,73 1111 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................ ... _. • Ile sure to use the payment envelope that came with your .... ................_............................................. E-mail L� statement.Using a different enve lope could delay processing. Address.......................................................................................... • Please don't include any additional correspondence. •Last but not least,be sure to write your 16-digit account Please 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 03 ,. Page 2 of 2 1-800.867-0904 l www.capitalone.com/smalibusiness Jun.14-Jul.13,2011 30 Days in Billing Cycle1 I � Credit limit: 53,600.00 Visa Business Card )0=-XX(X-X) -9705 Available I lable Credit: 50.00 i NEW BALANCE ..l c>VWII%'VAYM iZ" .`:a;i.DATE Cash Credit limit: 53,600.00 $4,353.29 ^e;vSS. eI A;:qz>k M11 Available Credit for Cash: 50.00 —-- I Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance i r ! 54,227.12 — 555.00 + ( 5181.17 + 50.00 c 54,353.29 I I BUSINESS TRANSACTIONS CONTINUED INTEREST CHARGED !NTEREST CHARGE:PURCH.ASES 591.40 INTEREST CHARGE:CASH 511.77 i Total Interest-1 his Period 5103.17 Total interest This Year 5671.68 Under terms previously disclosed to you,some or all of your Annual Percentage Rates r,APRs)have been increased since your account areas past due twice in the past 12 billing cycles.If your rates have already increased,subsequent delinquencies extended the duration o`:the increased rates.Remember:If:ne receive your minimum monthly ! payment on time for 12 consecutive billing cycles,this account will he reviewed for a possible return to your Non-Introductory APR, 'four account has gone over its credit limit.To avoid additional overlimit fees,you should pay more than the Minimum Payment.Please pay enough to bring your account balance below your credit limit immediate=ly,and make sure your account balance remains below your credit limit.Please be sure the amount you pay accounts for any future purchases,fees,and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date.To avoid this fee in die future,vw recommend that you allow at least 7 business days for your minimum payment to reach Capital One. ! l i i ! i ! i 500013 CRp a` _ IT'S TIME TO TAKE CONTROL OF /wh.'r. your waftw YOUR DEBT. WE'RE HERE TO HELP. CRAIG L KRABER 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. Ariake sure you:all or pay the arrount due on your statemelt by the due date to elirrinate the risk of being charged off. ©200.9 Capital One.Capital One it a frAmdly mprrree!rm4ce nark.All ribdin resm,rd. Page 1 of 2 1-800-867-0904 ll Cap►ita�° Www.capitalone.com/smalibusiness Jul.14-Aug.13,2011 31 Days in Billing Cycle MINIMUM PAYMENT WARNING:N you make only the minimum payment each period,you will pay me in interest and it will take you longer to pay off your balance.For example: i Visa Business Card XXXX•JWCX-XXXX-97D5 Payment Amount Each Period If No Approximate Time to Payoff Estimated NEW BALANCE .10f1N IWI\`1 V\•sk;N;' VUE D1';,, Additional Charges Am Made Statement Balance Total Cost i 54,501.65 <, c:,':, ;i Set.0,2PM,1 Minimum Payment 22 Yeas 34,531 i If you would like information about credit counseling services,call 1-888-326-6055. i LATE PAYMENT WARNING:If we do not receive your menimim payment by you due date, Credit limit:53,600.00 Cash Credit Limit:53,60C.00 you may have to pay a$39.00latefee and your APRs may be increased up to the Penalty APP,of 29.41%. j Available Credit:SO.00 Available Credit for Cash:WOO Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S4,3^ 53.29 _ 539.00 j t 5187.36 + SD.00 = S4,507.65 .. ...... ... " .....1. ..... }.�, Tj ..n .......... ........ ........ ..... . ....... .. .... .. .. . ........ . ...., . Hel p is Available. "Important Notice"Under the terms we previously disclosed to,you,your account is Just pick u p the phone. now eligible for an increase in Annual Percentage Rates(APRs)effective immediately. However,Capital One has elected not to taise your APRs at this time.Please be adviser) that if you fail to keep your account in good standing,Capital One reserves the right to raise your APRs in the future. Call 1-800-955-6600 and a specially trained agent will (BUSINESS TRANSACTIONS be happy to help you check your balance and make payments. PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 1 201UL Hardship Courtesy Fee'Waket (539.00) INTEREST CHARGE CALCULATION Your Annual Percentage Rate(APR)is the annual interest rate on your account. FEES Annual Percentage Balance Subjed to Type of Balance Rate(APR) Interest Rate Interest Charge Prrchases 2940%D S3,&'r,25 S96.89 Cash 29.40%D I 5499.32 I S12.47 lTransactions continue on page 2 i PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.CONVSMALLBUSINESS TO MAKE YOUR PAYMENT ONLINE. 1 4115072218919705 13 4501650055001263501 Account Number:4115-0722-1891-9705 Due Date New Balance Mi;>cr;r:fnznYCS:esS Amount Enclosed Take advantage. Take control. Sep 10,2011 i( $4,501.65 (L Manage your account online `— ` at www.capitalone.com ...:........,. •Make payments •Review account information Manage your account in privacy 400006 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N-A. MECHANICSBURG, PA 17055-5799 P.O. Box 71083 I1I11111"111'11'111111"'llllllll"1111'Il'Ill"IIII11'Ill'Ill' Charlotte, NC 28272-1083 1111111'III"n111'lrhllnl^Ilu4''ll'l'lll'll"11111111'1111 Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. Out 13 How wn I...id paying 11 17 1 1 iith y:,u pry yui-Ni. in 10, jI.h— "Il.ij rdkox,- 1IJi,,Mjiiq T11,; :.u.-,It n aim 9­ MtiF I-­-sr:tqv'n 11 1,--1.1 h,l SFe:Il 4, 1�ty" it yhj,jld t- rtjth-I,Iifiri�,i dd-:s pi�Jl lnih-Elt"n t:,tb', "'u,I.—Itt Fix.li—s I"d 4)uth,[_h,,I;*es.11 y�It—tom piyq—,­:-ura h lull 0th Irilst I;Vied Jnj ilit.Nil,ilits'Al t, y'.1,-1-kY ri.;her till in lull, itt­-t h,;qzc vill to Thar is to 3'­.F'i,,j I!,­h •Ri, li,:e. th-Fhuii- A th-tu6,­F 1,yr.­iv,it I I,thy I!,rid,t75 INI ET .,j ?I',. -1)y-ji , I IF !I ip"i,1,"Ihme!­1 ppimu tin. FDF 1, ­j"; I r:-I,�,Is b;,g Is j Y�rid th t,,II puann Il IN. Is.F�i z tuyio� 2)7­F,"zq,is HIM is the Interest rhari applied?Ilit­5t_Ii roue lI:,,tt,e 1)dite A the data the I,, a-,,,d y,u,ih-J,6 thm nJ:­J m n.,­ t.,nj 2 n one it:'u' li,ns,zlh",I �,Bill" JIyul rha on ­UnE pu—ing ty 5p,1­1-a­Pl,­Illu,I 111,,:71 usai Fy 1,,y;I,I,n--it Jzlirely.M,il--J r"', ,sril hjull.Th I e,rd ­;9, i,, ,pahvk y,�t It,­Jitn', •A the I y-­A,,t*,- but jiJ nut d:,.b,the -,bui it x1rr.ui,F,J'r—A s­ dd-d�the Y,.,j,!z,it t pue 1--unt. Do you Process Paper Chedm as an Eledrunic Funds Irinsfin'? enta,'.ill to in :,I I��,,s: 2,,­,- th,ij �yy �h-jyes I!-_-nyth;It. tM­I'.­ I J,e,k._I­k hibio Axi to rake I l si-1.pu uulhj I io'is:,I ju,ujenty pus the D. ros�=" �I ,.�14��-H a - ',,:yu! ��u III Me you a Milli Change?Ys.A I.inlo Inr IN TREST,7HAKE:V. VAII t�111-­?J b,?I-h int. tib,i t::n,L .1 - ,,I­b­ :4.�,0��,L I.,d i� d- .1 r, IN:,us.O�nbn,-,b,i U p—is thq ­ -I I I an. is�U t�h F`i4ij Y­ H.. It the Interest Chame?t"e j's­eil�A�uljun�th't t.-�t? I;,? _1 I, did you C.I.1 What if I file for Ba,&'Npt it y.,,j­=rittlxj to this 4b jiiin �rily.;t;F I's,vi mu il 1, A;.:I,I—S lm�­l J-tt U,:�,w.L,j jj�,•-jd I, �Iy widij,' ,ill. :A,rg?.1.TJ 9�T Y.,ur[2A."E Fu,�-,�h III.I,ul�l III _�;Tmin.j t'l"',"Id-,Id i 1,.1. 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P.J.E. 55 I - I-b - -i­,&.�mr-n-vt:Ii I!­Ily - N.", :I—lu:;Ildinj ut I 1;4­ ­;-sl this I.I, n It�,ke�;ty.I-iT�11­:2E5 It,,u,it led-1,-j I'us the 1 A x,me How iun,ny enable Annual Percentage Rate(APR)change?Yju!AIR I Iyl­­j,J� "i"j'%4 us:.jtj;yi"­juill,bA The dullv,Irma t+.i w7p�.Vil i­I. bF T,4 [1 u:Fj ill tlh�tm;[at INv�tut�v di�ArR:Yl.Th`�:i d*z�tj,.�nbl-ttl­ A Nrtl,, 11 y,II thimr.ThI,-is ,I&,u: JasAl_ .-hill ym ttli-i�is­ny I,,J..hy 7ju ld[u­it is., Code n"'to your When yourAnmal Y-1 UA:DTIII't Us,zhh 5::d­'Itur lha e;­'Fp­j Annual Pinits"'I ].do. hid,your rate,..based on P.roantag.Rate hill Y,u rusl'IAR.". -,ny I:xlul-til alms Y in Wdt;;i Yu.,Ir iy-,il U4"!"Lly jii 1,11 Y.tut it r"j j,I Rate(APR) driing. 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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. is Alternate Phone. • Be sure to use the payment envelope that came with your I t .......................................................................................... e statement.Using a different envelope could delay processing. E-mail 6 Address......................................................................................... • Please don't include any additional correspondence. • Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black ink. number on your check. Take Control with Online Statements Managing your account online is easy: Check your balance and view recent activity View and print copies of past statements • Pay your bill online Sign up at:www.capitalone.com Ca Page 2 of 2 1-800-867-0904 www.captalone.com/smalibusiness Jul.14-Aug.13,zoo 31 Days in Billing Cyde i Capita_-�° � -- Credit[unit: 53,600.00 Visa Business Card )O=-X D0_()D=-9705 Available Credit: 50.00 j i NEW BALANCE ......liUM, AYzMi;iZT VM'.. iii Cash Credit limit: 53,600.00 $4,501.65— s1 C'3'n tca 84_ .:a<1 Available Credit for Cash: 50.00 j l j Previous Balance l Payments and Credits Fees and Interest_Charged Transactions New Balance II 54� 353.29 — 539.00 {- ( 5187.36 ,I + S� 0.00 ` _ ( 54,1 501.65 i �� JJ BUSINESS TRANSACTIONS CONTINUED FEES(CONTINUED) I 10 AUG PAST DUE FEE 539.00 2 13 ALJG OVERJMIT FEE AUG 13,2011 539.00 Total Fees This Period 573.00 Total Fees This Year 5380.00 j INTEREST CHARGED V,FREST CHARGEPURCHASES 596.89 INTEREST CHARGE:CASH 512.47 i Total Interest This Period 510936 J Total Interest This Year 5781.04 'four account has gone over its credit limit.To avoid additional overlimit fees,you should ray more than the I:•linimum Payment.Please pay enough to bring your account balance below your credit limit immediately,and make sure your account balance remains below your aedit limit.Please be sure the amount you pay accounts for any future purchases,fees,and finance charges. You were assessed a past due fee because your minimum payment was not received by the due date.To avoid this fee in the future.we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. I i ; I j i I ; I I j ------------ 500013 IT'S TIME TO TAKE CONTROL OF aI whae'sin your wallet7 YOUR DEBT. WE'RE HERE TO HELP. CRAIG L KRABER 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:all or pay tl-e arrouni due on your stateme-It by the due date to eliminate the risk of being charged off. ©2009 Capital One Capital One is a fed—ally rgnstartl sm ire nwrk.Alf riglin res ,rrl Page 1 of 2 1-800-867-0904 www.capitalone.com/smalibusiness Aug.14-Sep.13,2011 31 Days in Billing Cyde Ca�° «l -- MINIMUM PAYMENT WARNING:If you malre onlythe rnin!rum payment each period,you iwill pay more in interest and it will take you longer to pay off your balance.For exampte: i Visa Business Card XXXX-XXXX-XXXX-97D5 ! Payment Amount Each Period If No Approximate Time to Pay Off Estimated -:•.; W�DATE- Additional Charges Are Marie Statement Balance Total Cost i NEW BALANCE .3>e:2ni�S,,.��r.rZi' :;::1.. ,,. $4,419.03 ;<7;i?,v; ?Ca t,-,r,,,,,_ Minimum Payment fears 59,312 If you would like information about credit counseling senior,call 1-6&5-326-6055. LATE PAYMENT WARNING:If m 4-o not rer,-eire ymir ninimm payment by ymtr due dare, Credit limit:S3,600.00 Cash Credit Limit:53,600.00 you qty have to pay a$39.DO latefee and your APRs Wray be iraeased up to the Penahy APP,of 29.40%. Available Credit:50.00 Available Credit for Cash:50.00 I I � Previous s Balance, Payments and Credits Fees and Interest Charged Transactions New Balance 54,501.65 ) - 5234.00 t SI51.38 + SO.OD = 54,419.03 tr^ � Help is Available. -Important Notice"Under the terms we previously disclosed to you,your account is Just pick u p the phone. 9 now eligible for an increase in Annual Percentage Rates(APRs)effectiw,immediately. However,Capital One has elected not to raise your APRs at this time.Please be advised that if you fail to keep your account in good standing,Capital One reserves the right to Call 1-800-955-6600 and a specially trained agent will raise your APRs in the future. (BUSINESS TRANSACTIONS be happy to help you check your balance and make payments. PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 1 17 AUG Hardship Courtesy Fee•,Yaiver 1539.00) 2 10 SEP DIRECT DEBIT PNOA ENT 61915,00) INTEREST CHARGE CALCULATION Your Annual Percentage Rate(APR)is the annual interest rate on your account. FEES Type of Balance annual Percentage Balance Subject to Interest Charge Rate(APR) Interest Rate Purchases 29.40°/D 53,9,.3&.75 S99.60 Cash I 29.40%) I 5511.95 512.73 l _—Transactions continue on page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CJAPiTALONE.WMISMALLBUSINESS TO MAKE YOUR PAYMENT ONLINE. 1 4115072218919705 13 4419030195001265506 CRW Account Number:4115-0722-1891-9705 Due Date New Balance t ;;. :1. sr:e:1, Amount Enclosed Take advantage. Take control. 00102011 ) $4,419.03 <::.26:.s) �� � Manage your account online `--� at www.capitalone.com .;::: :?+;(!fFT •Make payments •Review account information AQ •Manage your account in privacy 400006 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N-A. MECHANICSBURG, PA 17055-5799 P.O. Box 71083 Ilrlrlllrrlrllllrlr,rlllllllllrrlll11111'I'11'1111'I'111""1111' Charlotte, NC 28272-1083 1111111'III"n111'Irhllnlr'lluh^II'I'lll'll"11111111'INI Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. BGI H.,tin I­id paying hA, Chit E,_h n�Nli,yuu-;.-y Taut-Nm in Jul 7,u- h- 1'�T�L t ,to 31. -Ifing u" nin Lif tlJp!,iJtQ Viu;inluut,tiunb.-au!�11;�Snt-i riN no -,.1 11 1?F,­h­s,n sl,,�hl 4.r.171�uls:-,-n.0 lh�,41,� nhe It-A;,,�,i :111,5S p�I,J:,,I nx t:.q Uu F:.,ti I ut _1 J."3� VS.. P­hu­ad 4)uhs,ihIDe4 11 y,t,h­:­, 7jul­uunt it)tul]VAh flu tut.,,it Juq-- yp-J ui, this Elutr,,F,lL Pny,,ruty�Jjl t-S u-:1ftj Z,Y'La­uirm F.1,nut F,y y­ So bill in itti,pu,jtill ul,�­t:h,;gey 011 t- It iv no Fr',iuj'.I..Sh •For uuk.a, I u,,zh,I,huua j,A Th,tusi,­5 J,y it F ly u d,1,75 I'M ET d U: - I !lS . h- ik­� ---lu 1.3 z it;-,It K­d th.x LuTu,purflu".1 ci4 d .f�n dler� 'n Lelp" I F­imz It Ii. Fu,!il�d Fyn-1 U DI the bus .1 . I -V,'i lh�-uj us nd 21 7". .T is %-�Si,,,j I;,uu�A:,ut Hary is the I ,,a. I. F..S­nr ij F lull Lift-nes , ppI Iut,,SA�h,ly-iy I un 111,1)J-1U,u:thIF Uni'Aut d,U he y ,it lunsj�quu lypt-u-'evyied u,3?11,lul J,yut IhS ""Lim :Putzt,�by$p,I—I time:Ne—A—ur 1-us:7)hr.h­y 1,yz tui it until -,,,y uth, -,-lut t-uSdind�v:.!th.�I�y Z, I it IF VIIJ N lull.ItO n S.-TIF 71-1 err l.-K-11;hv�­ ,,I N y,,,;,,y th,,Srrtary'N m e,l ni u unit, ­Si,d by is u%,&n u,in..y ut�,t..r,r I uuL do I.du I u,tit. n Jnpaij intSt."h tgLr *JJ-J tu Th-VuVS,4-j,r Sit ut i,.,LF X­.nt. Do you Process Paper Che(ks as an Elearronic Funds Iriansf.I­7 P.-pi.ru hill in u­ut t-—ye: H ;=yt LT-nol,S. %Vnien;-"j u,-hia-A illur,-Aun to It A?-,rqu S,,,,yu uth,ni,us:n uu, Cl I—th- "S';�httu nut­-FF i,iS Do you _5.a mein­IN TERE: 'HkRS[ut.ji,'�.5,.uli to I lu,-�,_h tu:u ku,n.;w IN �_H a -lea,"L turd n"tied t,:v,yuu,J,1;.;t­uunr.IN-r-,7 'it hr M.intur,'1j",t, ffi _,yu ur u. L H—did yuu ealalate tlr Interest Chinrae?The,i,,F arleld tint­­L- ite y,,,I t_1L,I What if -ruot it V,;­uiddtmj lit pVaLIl,n.this:,u u '61 -,rSr,", -,j. -.-x dh --I'll:-Du'T,s=,.J us Puy'Surc irr.'urt yjx;ijil"ith ,!,ile for Batik t.is jet yaw r Fur S,�h F-g It it,I I W,M� I:jI r�� rd-,dj it,—, unly, :t 1, 11 4!z4-t:11`�e� hj,.F;b ,,,d t.e F,.:; Sy ui th�niilsup y Zmt it y,:j u,yuu;ajuruy—Lfll ill.tu.Dnt,,t D's dki. j udiL irl�T J.11j-uTI VIS P�1111_­�y tlllr-� elY FIT Si'6 lid fur yJul C'nKlupty Mutt - INA ySg WIT IF ut It"t 'ry.Th, 1-yult IF N.d,l}b,I,e.Zir lu,P,-,h y•o4 u Hu—St.,it y..0 V'd yuu,F•,si,us di­tly.:11­ rO Sul,B�'K, uV-413-2as .1:.Iltil'i t"I't­hI.It:"It ­u u;,:S:ft lu .in, .-.',i'h puyttl put I BILLING RIGHTS SUMMARY.*,'• u;sped,l :,chyle 1:e;i:id What To Do If You Thrilt You And A Mistake,On Your Statement Ill yuu thus,Gee 6 -,ir:rut-.JJz:J u OS dity t,I,­F. T,tinl yun.e,,,­gS Villy 1)J.14,tht JJily t­hjll.ry ruutzl.-1.1rij ) itt zu L%t: til ru:r by hr nun :1,ys in t., 3.Elil,:�t y,,,Tut,l NTS­1.-_h,,_p:1,rui;iply;uv, "Pt'l 3.l% "'ily t_dnIzF ut�l",j i t ukjvlyll�-S'St ty N-nut lt-1 ut d,yy in th.S tw.rg Fiaj. P.D.E.3C2 ES Ni1E:ear to ut Z,It nkml; %Ih•,g-.Ni.;,I%ul-,,'-Jun i jy­y 1—it.Io nr-i--St:Ih,uji:ul­lly 3,It ImAL it;.1-IT EA I K-tied It.,,uut lSqu,.dire LIS Thsx 51:11A.0 hihirl,liu. How car,ny rariad,Annual Pentientaij,Rate(APR)change?Yu.!AM u y i!,to u,lxtrras,b—d r eli n Y--,L,roll a.;,d j::,unt I..!b.-• A yxIeri la,:d,:J !eul�.j it-RI,V.41f Srlivi Tu flill 1.11..�.h ild",.y u,-.d rat y.ta !::,t ,u,, Tlh=dun�., ,:u.:.4 hi i­,, b, A 11,-,u!h:uV.tS,S is'i Stu:",yuut bill, 11,1 7uu nlies Fa is­14,,,1 why y- lur,�:-dS T. i 11 u;F)u thS It r ut thiy leottu dl�,Al Than�I­k N-Pitt I- `^li­it i.=,it iFtku.. Coder to your When your Annual yuu i.-A--Iital us'ith'.I Q2 j;iS flu,Me-rut ,p"ej ur y­r,I u Annual Pe—W-ge fidex tehid,your Me,are based on Pe..nt.9,Rate M11 yau trust ti!.;tvr't illy;ut�.tid=tins in V-it;fij, •ju it y;Jl ti ul nAly Js i'lly but it yju Ja­­ Rate(APR) thangt, zu;r­i!D,tF�ly.-pire.1ti'l S;­jnj r",r U pq MS h:fLuolnun. — Whi!a-in­�gti�A�thi)I tut hj�, Pit e I."gin p-VI—ly jls­j tu 7. h 1 1, t 8 �e i x.�!rut.th,I,,11,­l!q I,t,­ L We­riuzuy U ,I­rr i questI,u.ur Sljrj y­ � ,I r.,r-,n,uurL v�1n;­iuutly k:JuSIJ tu y" TAI. �hxj-I,,Itititi�n It,y_it ,I Y.,FT,-lFa eut rd—u uy_ununur 1,.hnyt you inatt,tit,url cm,u—L n j in Fiuu;I, J.,­vy,Apt,lu Y-,no Du4 it th'!."n lj.I trigA.,p,v.ill nut h—zu p--y tN it j­11bi,ut n),ur�­u, u Kit F I. J, Mu I„yin p-•:i:.vs!y iisJr-rd U;ou Telir.r Jury al r,;h .rA.N:S;uj J:,nut D F,y-the'r,uurr in au-=tier until—s-nd;­ ruzir,•.-tutit thiS uutsta A uix uu,l MINY tillkg PS,iud- l"11',rtn,irrde,A yLS lis-luye, T, L�. ­1 y d.y-upj to y2tj Your Rights It You Am Dissatisfied With Your Credit Card Pund,...s.11 y,. it, Are in Addifigual F­­osiartisl vl,ith my ii—tint?Viol.judSi cSft ill Jl:lvl 7ju IF-;I',­­l?.u ye,%:i­ta,t}au h—c,I,hh your,tdit,z.d, .;d y,,j h—u;eJ it put!,d:to p,NSr ,lh I_Au aj I"In a,,FS-_yu.It sy Ayu ItSo­aFySd u­lk it.1-.s t Lnn;R,.j ty I—'A'- ;N:u 1 .9 Na­dixf,you I,,,-h—rho iulht L�z rj ,y the rSu iuinp,,I Dun,d.ur.tha ps:h­.tu l­this tight.A ut rut 'thjut pia:njli�� ndl.k�lfl-kiny utt!ii;lhm Si0a IS t�--�i . � th.-!_xuVJ!IA r U.tx V­!.yuu I uIt t._­LF I­n­fIft .1,11 t,!V,.luteJ­.Fl,.i!--h,,s t A-With :sit Hory can I Y,u It,y J y­J.jI--unt.ty -J11413 if 0161).4 -uiiun v Rd"juns •,J­rSv tur--.,ATM u,65h ­savy­yu,"u jit I­uurtt",ix qu'lily,".Yhu irur nut,yet h.,re M'"i't .ill puid, dFuily i'LLILAing V,yu­w!,it: uOun,ll}-Ju—YuLn-lowdit ud fully I:1iJ tai Mr I;­I`I­.It Ill A rhe t,,e­I,rt ud y,,u­5611 liml;lti=.l rith thi :n jJ 71.. �tll you U*L.uS it,��,L*FP yuUT­uul.t Tu vud �ytq uy US I,, ftln,'t pJ.o Sir"Shi;z Sioz,:,'ll ru juul-ii.,­uuturt piui lu t,-rd A IhS�yd�in whih R i- :A, tilij. P.J.liu,3Z2°5 - --"';.0 E413�*C2iil What happens if my Aron—0,suspend, WS r'y I's."­;,�,d Y,uf­,­t­1)ruu,d4lit tu tliu I-F'I-- ,'j;,I - ve Sm st:rly ru thao liFlur,11,ri uunt�tv J­­J-jt­ AftFr sv,tinish uu; I Lit Ix ty!F,yuu,`Yen r.Tju la'IT, _e . ._in— Z,b*f, "y ` I!, kLutsg yuFI;SnAu!I P I n.....a ul It - n­L4kjt, 11 L-111�,-J'j JU( thl,l,lim,it-hill. At Ill uund X13 VIL,Ju nut;;y iris 1,J.­d yu.it LIA 1)st'v. I.,­.dit,IIJ"d ,unu­&P.,7"Strity 1-1st"y-,It �'Il U. S ,nd­Fyy I:,y ,,u.IS US, it thFj rI;uqyju us Viryutut. Ihvyed vlu Vl% ­uat j�.41:1 x Oil,surrxrs itu,,F.1—y ua tr. -ul,it'y tS,A�;,I —yi:I. by Jiq lu I,I t -1pti; I :u;Vu,,d Allhi;%­-­d H..do I make P.—ni r'yl. C'Pitlt -'J%'.'IIY ,i*�n sk A- -­F rin"jI urt I :'I C. -,.i -- ,3�Fq ritu y-Jul U.....uum TrI-1,hune Vui%�P.Sypa,IYS 5;?u,,r t,;dMing 1--- lulluWig th,- vn,puu P_IN11"n Y'.u't, ph­S;;,yu it thuqh uu!vuit,-­p­S y, rit � I `F t,;,j-,r -, u, plvp,rut TIIt 0:1 to d-tit-J i—-pu,tank Fue,Jy u'y t�Wthdo'n,l­;:."I ltnk _uunt.'.;lu,I us ill Fun t.],y­P:.­4 Y'La Fp,za"L 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 printaddress or phone numberchanges above using blue or black ink, number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity •View and print copies of past statements • Pay your bill online Sign up at:www.capitalone.com Ca Page 2 of 2 1-800-867-0904 l Ca www.capitalone.com/smalibusiness. �- Aug.14-Sep.13,2011 31 Days in Billing Cycle Credit limit: 53,600.00 Visa Business Card XXXX-XXXX-XXXX.9705 Available Credit: 50.00 NEW BALANCE f S.^ ? ':•'s: '`•: i' >>"DAN, Cash Credit limit: 53,600.00 i $4,419.03 C�a-d ,:co 1. Available Credit for Cash: 50.00 ! i i Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance �I 54,501.65 1 — 5234.00 } 5151.38 l + 50.00 = 54,419.03 J (BUSINESS TRANSACTIONS CONTINUED FEES(CONTINUED) i 1 10 SEP PAST DUE FEE 539.00 Total Fees This Period 539.00 Total Fees This Year 5380.00 INTEREST CHARGED INTEREST CHARGE:PU RCHASES 599.6C INTEREST CHARGE:C6.SH 512.78 Total Interest This Period 511298 Total interest This'fear Sa93.42 You-Here assessed a past due fee because your minimum payment was not received by the due date.To avoid this fee in die future,G"recommend that you allo1,v at least 7 business day,for your minimum payment to reach Capital Ore. ! i i ! I ! i ! i I $00343 CapuajOhe- Your account works differently now that you're 7 payments late. Please see the next page for important account information. Page 1 of 2 1-880-258-9319 www.capitalone.com/solutions Sep.14-Od.13,2011 30 Days in Billing Cycle Caprr�- —_ IMPORTANT ACCOUNT UPDATES Visa Business Card 4115-0722-1891-9 705 Your full balance is due.Any payment you make will reduce your balance and help payoff NEW BALANCE PAYMENT DUE DUE DATE your .deht taster.The amount you mw may litter ff ymVe entered into a scparate payment i agreenrent. $4,526.47 $4,526.47 PAST DUE Available Credit:50.00 i I I i Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 54,4_ 19.03 l - 539.00 + S14n.44 50.00 = 54,526.47 BUSINESS TRANSACTIONS PAYMENTS,CREDITS&ADJUSTMENTS FOR CRAIG L KRABER#9705 I 1 21 SEP Hardship Courtes;Fee'Naim (539.00) ; Help is Available. Just pick up the phone. FEES 1 10 OCT PAST DUE FEE 539.00 Total Fees This Period 539.00 Call 1-800-258-9319 and a specially trained agent will Total Fees This Year S330.00 be happy to help you check your balance and make payments. INTEREST CHARGED INTEREST CHARGE:PURCHASES S94.76 INTERESTCHARGE:CASH 512.68 - Total Interest This Period 5707.44 INTEREST CHARGE CALCULATION Total Interest This Year 51,000.86 Your Annual Percentage Rate(APR)is the annual interest rate on your account. Type of Balance Annual Percentage BalanceSubjed to Interest Charge Rate(APR) Interest Rate i Ruchases I 2.9.40%D 53,921.40 I 594.76 Cash 29A0%D 5524.67 512.68 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM%SOLUTIONS TO MAKE YOUR PAYMENT ONLINE. I 1 4115072218919705 13 4526470195004526479 Gap� Account Number:4115-0722-1891-9705 Due Date New 6alance AmountEndosed Manage your Past Due i $4,526.47 ) account online. Visit www.capitalone.com/solutions to manage your account online.Have information at your fingertips 24/7 without picking up the phone. 400004 CRAIG L KRABER ENDURANCE AUTOS LLC 2193 BRADFORD DR Capital One Bank (USA), N.A. MECHANICSBURG, PA 17055-5799 P.O. Box 71083 I'Illrllrlllllllllrrl.Illllllrrllllllll'Illll'IIII"'I'Illl'Il'I' Charlotte, NC 28272-1083 1111111'lit"VIII'Ir611n1r'Ilnlr'll'I'lll'Ih'llllllll'Inl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. act How I aid paying 11--tc I h �,llh pu pry pui"Nm- ill VI,pu,A11 h-1 3 C,Ililg I-E--35�7-W:Ird -,7ls i0lUl,A-. :,II ma.,I g;-pfiDd at.1 d7 th t. :h LU-U-21.,z,3;sPj,l 4.Pop,�nti ty 11 it 41II.IJ b imt U Me 1;jifimj IJI-F pAdij�11 dk tudjll Pjrt;DII-4 purh--F IIJ 4)Amm,jh,,g6F.It y,u h—b-,P,;2g pui-.at in full with h,l int-A thwpv aFfaid-,.rj IN-u—;—IL Np-rs vJI to ii:JiEkJV Y-- T'a Ja'is py pz ne.,till ill 1.11. ilte,—,h,'gey .-,If Th-i4 li,zv—t�,bd I.,-'h •F,,::dine.n 1141 thu hx,i 14,1 the LuAli—JIy vn iuir:it Y big,s th-y I,u-,Je ty5 11M ET e 1= I., tip'. F,,-ilIaJ pp r,,,s A;h=- ml-try-imit.I,-,a bill 1)pll vIn,d the tml,,FA,,i N ab How is the 12-1 rham.applied?Ill 14--r3is t,,I;Mia 1)jttu A flea U,,5j-0it,2)ditu thie AItm�.A and y-J-1,ill th-—1—j itt".-. I.". pp plail —i,�in m.:4 au, ii-FI-if: 4,r—vsed af 3)iilsl J,,Y A the blilll plij J.1,V I�st--h,,J��—,"?j'I—ly uy,ij :;auTir St..I—I tire.Mae— �IT;:71 dq=U I Iil MAA j:,Y-tltF until itikpd ifull,n.. I it I -V It it I n!V,thef tul I rF IV,.it t, A.tht J,y -ui,.Iha N It Pu,iy pu It Iy -Im;,F�—0 Y-ply(h�tIlt!�'N 6 1 oly Ith,I, ,.A lin iut d�Ia L4 the pivib-v urith.Ump'll :h-"4-y•jrt jdjuj ta 0.�P,4,;r3::':-lit A Y-A;:a— Do you Plane%,Paper Chad%li,i an Ell Funds Transfer]Nyu-tit,.,ill -Fia--j Ill jrl?:It t,,r,w=,7y: AI.1 w if,L-I F-*T za",;,a".Th,6&us:l, q-m=1, 4-1 th*- —id,I j.,:3:.�hkinl- Do, ,a,,- i=t Ola, Yes.A 1.nia M11REST'HAASE A V.5,-'Jif to -31h. Axi ru I L,I ,,,tiro AZH 0 x:llhe! I-1 U,TnIl-,4n!,pm Japi--t-I'st W�.,-I,- Nh,l� a. -jZ,,r,b,a? -:.kt--ii a. j, xai� zIll I���h� How did you Clil,line ttat Interest Ch-7 Thee ye-,l Awltib,o li-I U jn"',ln�poi ml VVITIM a I file for 1�41�:'p,j t� py,eaiuzi,this:�TFt I!ij;N;-jtium Y bi Nuiri-Abn 4 4 1 TD ?I yjU:[l,i;y 6 il,­r,,i?,:h yug I z;,t.1,U,m=t I I ic I j-t E D!:N h. A 6.Tim U j Inkh,I'll-Ad ill it i�.t li M�T,I;1��A��L I Fr.jmxn�pi Ih,I3-fle,17-,urt.11 p, lib a�jmt�a:,u,n,*Iul�,:y burs F"i�Ih,t g- n I)�p�V,—J,fz.Ibn- nj-p p�,l d I-, y.-t-a th-it -.-,it uf:hA Jy.Thto in"At;F C,e jxly tI—e!,,!e,.h Iwll iT,lL H,--,it pt,pid y.,t,n%i— ji-dy,pl—L- -IpU Dll-e-,F�e-22o5•SALA-- it;. „413:: I,�nth'u t A,m�i,lUl il!-1,ale I -Jku n,iF,VIn-0.i:h psm,y-p0l-- III[LING RIGHTS SUMMARY Nat A-,pi, 1p I — 41 P-A �p�ic-Ii�-t'.11"u the JAy �JYI,Irx-�bfn tht ii!�fiAi1--;i,I I — -,; What To Do If You INA You find A Mistake On Your Sweirner.!I you Qv,�.k uhe,e is ITT-x pw, i,t•Aj;aJ b tri,JI;tf, 1.T,fail pti, E>.i1;F-Ali,:11-jJj the Irij 2) A.AL", IT: t,-s-,ty C,;Iu!,t,,t J,YF I;,lln.e tilling E-.14i It,pu,Pt,l I,r,,uA'hi g-:1)n,AiFly pta "Fil-A Can 1' V?'F' N�TE t-al"dilig"I!I Ail—I NY IT I-,-—Y 1,,•,the ioiata Ji,,p j-,-,ily S.It"-kizityilTz In'a.,lei—,li• Ist a-Peryniard Due'a Payoff A=unt7 N�,.AN 7— .1 1 th! h 'rr 1,1�J-,rg�� TJ--,Ihie: ,right�hzrlp d-q ra d,y :w;—id-d in 7:,u, ",:hT.ar,u,2 Th,1,11, 1 -sff at. .?cusp:t,4 el n. .�:"I. 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Fry th,,,aunt;,;qi—ItDa­6 --end Y.I;watf A A-,h,W--..id A yvu P._., Rate.a.,Pe-"`g" Indvilwhich your Was am billed an age will —tijAxi,p,,IT yp,�itlh-1.thl :4-px Rate(APR)---- 'flange Your Rights If You Are Dissatisfied With Your Credit Cant Purdha,—It p,, ,.,ith rhu ip-,dy t, NiT, ',gin P—b.Ay disJxeJ U y,u ih>fikvt J,7,I th,—ling I.ht pij h­V—h,— mith y-..f J;t-J. ,d you h—vi:A in plj iftll t,:.,art I.? -Y diF ,u*qUEZA I I,�;N•mzarij-,I -I,F?d-'z pu V ,lh1,,lt;zI pyth- ,n me F.Jj-­.T­:T.-,hi�,igIV.,,[`,,I ,.I - d.It Abonl Y,,,I,i,!h——d po,--d,t i-vd In the p,h-e.f)i,h--I, J- A�,sh CJ, —1 pa�-A,iu�y,mKl—j 1,rl bll-y,Apil.JUYI,", ,'"gin P-I—ly d,s*I—j t,,-pa 'j_::—ii-m,ATM iLt I pa,*,-jitA J.nr,q!,Ay.2.Y-;"A-t ret have M,�,Vdypih, n"gil piw&-,.1YdiYJ—J U IT,tint J,y A tth NIly pid to III,F—h,-�-11 Ill A L!,AePii L—IT,it it and Vile ill J;%sjtmwfid with th-F—h.--1,�-TIIA "Y I,. fiq'C IT All,dl�:Ibyil r t "pt-d on- M'"Ill"LlB"`, --h� —!:- --, "a 1111Y illirrg I U'p,i I P-0. A,Till d ls- a —17 Yei.u,d,:�,Un J-" 'y b TAV,-,ilviaiqpl,�,rhe I",?l,luy A:Fly t.Eliza --t Y Jimtmtw--J It—Attu, ti,,iFh om Rill" Y",u -;I.a t.0—,IIA—Iii, if F-'iileJ ty Ill M_Ttigb thialip- ociated with rity d— -JJth:.,f—lj-r I Ici.,If'!I"I've, -W al Abm pi—y R��libn:I---1.",-tvin-,A wliat happens if iny In,y-Tilly, At'i'T oni.ri—i-ii'l Auxxtunt n S,aajT tV,,IT q Jji. 7---t "I'F 3,:�is I uj F-"AL�.,III,at ;.edit It wiy Or? far any;l—1,i—it you-Flul,in Je zIn to p i T'.a, All ijhl,,--j 11 2"ll',ptIl 3,,- to ping.11 pu, %-a ii.1-"!0,4e Jtj 7.1 A 1)st'l,—Y p.-Jit„j vid-,".L D ,If tilt-Ilk py"zomr.,3)jzo!wl,,!I:,aJk and zzzwsy:AJv,and 41 p';III ,,—ftr pa I-ue,av,o 8 t.?Y _.,Tjnt H—do,Ill PliTt.-It zp�m,ray Lie I A,it le-,l 1.0,il ty phig U I'd 53j hT iiii,put T-Iephx,e R,pl-Sy�-ty dilbg If-ro f:,"r-,A R—Dh -p!-FYA=:I,l—-Ah6,- mid Y" KH a�tzaie:—,n pup,t,d that.ill[,=Jetl,-J ta:y—It,,ni,'---"wlix it'Y t� ,fthj—, pl,tt,ml, To change or update your address please call 11-800-258-9319 or visit www.capitalone.com/solutions 2U08b6 a> Now that your account is 7 payments past due, the changes detailed below will apply to your account. Hopefully, these changes will make it easier for you to take control of your finances again. Capi;X Cap,ita��- Your balance is still due and you'll be contacted soon to discuss options for resolving your debt. You are responsible for paying the full balance on your account as well as any associated collections expenses as provided in your customer agreement, unless the law where you reside does not allow us to collect such expenses. If we continue to send you statements,you'll now receive them quarterly instead of monthly.We may continue to report the status of your account to the credit bureaus, unless prohibited by law.We will also report when your account is paid off. Help is available.we understand that it can be challenging to manage your finances. Here are three important facts about your account that may help make it easier for you to repay your balance: 1)Highest interest balances are paid first:You will no longer be charged past due,over limit,or membership fees. 2) No more compound interest:Future interest charges will never accrue interest—making it easier to pay down your debt faster. 3) Regular payments will resolve your debt:Since your interest doesn't compound, making regular payments will get your balance paid. Call 1-800-258-9319 to discuss your options. If a third-party agency is already managing your account,your call will be automatically routed to them. Remember,you can check your balance and make payments online any time at www.capitalone.comJsolutions. Help is available. Just pick up the phone. Call 1-800-258-9319 and a specially trained agent will be happy to help you check your balance,make a payment and answer any questions you may have. @ 2071 Capital One.r apital One is a federally registered Bemire mark.All right.r reset r ed. 1 CYCLE # 13 CAPITAL ONE CYCLE FACSIMILE REPORT 09/14/2011 - 10/13/2011 PAGE 3400 ACCT-ID: 02218919705 CARD# 4115072218919705 STMT-TYPE: ENGLISH REWARDS: N TPC: VB HOLD: 000 SAC-PGM: PREY-BALANCE: $4,419.03 PYMTS3CREDITS $39.00 INTR CHRGS $146.44 TRANSACTIONS: $0.00 NEW-BALANCE : $4,526.47 MINIMUM PYMT $1,459.50 LATE FEE $39.00 DUE-DATE 11/10/2011 CREDIT-LIMIT: 3600 CREDIT-AVAIL 0.00 CASH-LIMIT 3600 CASH-AVAIL 0.00 RPAY-TOTMTHS: 254 RPAY-TOTCOST $9,281.71 36MA-MTHPAY: $171.34 36MA-TOTCOST: $6,168.12 INTEREST-CTD: $107.44 INTEREST-YTD $1,000.86 FEE-AMT-CTD: $39.00 FEE-AMT-YTD $380.00 HIGH-LATEFEE: $39.00 HIGH-PNLTY-APR: 29.40% OVERALL-APR: 0.000 CLOSE-DATE CHRGOFF-DATE: OOB: N MISS-ADDR: N BK-HOLD: N BANKRUPTCY: N LEGAL: N CTC-CHG-IND: NEW: N EBPP: N ARCH: N REASON: 00 HARDCOPY: 04 ACTIVE WATCH: WO CRED-RVK: PD CUR-PD: 07 CTC IND: INS: RETURN-MAIL: CLOSE: CHARGED-OFF: XFER: FRAUD: OL: 03 MULTI-IND: S PROV-ID: 000001 US PROF-CNTR: 0000000001 COB SERVICE-OWNER: 000035 Small Business Card OL-OPTIN-IND: N MESSAGE-IDS: R0002 TBAL C/I BALANCE AMOUNT RATE CORR APR INTEREST CHRGS CRAIG L KRABER Purchases 0001 01 3,921.40 00.0805500 0029.400000000 94.76 ENDURANCE AUTOS LLC Cash 0002 01 524.67 00.0805500 0029.400000000 12.68 2193 BRADFORD DR MECHANICSBURG PA 17055579993 USA ACCOUNT BRAND DATA - ODS 5 SIMS BRND VNR PLCY ID: 00000000000 CUST SERV CONT PLCY ID: 00000000000 CPN CAL ID 0102 RWDS DISPLAY IND: Y BRND NAME BRND LOGO ID: 002 BRND DISPLAY IND: Y NH ALLWD IND Y CPN CODE NSC201 MINI CPN CODE: NSMCO2 REMIT CPN CODE NSRC04 ODS RWDS URL ODS RWDS PHN GEN SERV URL www.capitalone.com/solutions GEN SERV PHN 1-800-258-9319 TRANSACTION DATA SUMMARY NAME: CRAIG L KRABER CUST TYPE: 0 PRINT AREA: 001 NUM OF CREDITS: 00001 AMT OF CREDITS: $39.00 NUM OF PYMTS : 00000 AMT OF PYMTS $0.00 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER 09212011 00007722501 Hardship Courtesy Fee Wai ver 39.00 09212011 C 4115072218919705 NAME: CRAIG L KRABER CUST TYPE: 0 PRINT AREA: 020 NUM OF DEBITS 00000 AMT OF DEBITS $0.00 NO DEBIT TRANSACTIONS FOR THIS CYCLE NAME: CRAIG L KRABER CUST TYPE: 0 PRINT AREA: 070 NUM OF DEBITS : 00001 AMT OF DEBITS $39.00 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER 10102011 PAST DUE FEE 39.00 10102011 D N 4115072218919705 NAME: CRAIG L KRABER CUST TYPE: 0 PRINT AREA: 090 NUM OF DEBITS : 00002 AMT OF DEBITS : $107.44 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D PC CARD NUMBER 10132011 INTEREST CHARGE:PURCHASES 94.76 10132011 D 4115072218919705 10132011 INTEREST CHARGE:CASE 12.68 10132011 D 4115072218919705 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK(USA),N.A., CIVIL DIVISION Plaintiff VS. CRAIG L KRABER, NO: 13-5029 CIVIL Defendant CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that I caused a true and correct copy of Plaintiff's Complaint was served via first class United States Mail, postage prepaid on the date set forth below upon the following: GREGORY S HAZLETT 7 WEST MAIN STREET MECHANICSBURG, PA 17055 Edwin A. Abrahamsen&Associat , Date: September 13, 2013 B ichael . Ratchfor , squire Attorney I.D.Nos. 86285 120 N Keyser Av nue Scranton, PA 1 04 (570) 558-5510