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HomeMy WebLinkAbout13-5125 Supreme C. t ennsylvania Cou Co mo leas For Prothonotary Use Only: ?, it r . /` � r cu Docket No: �sx ST�� i "N County l The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required by law or rules ofcourt. Commencement of Action: S , O Complaint 0 Writ of Summons Petition ® Transfer from Another Jurisdiction © Declaration of Taking °y Lead Plaintiff's Name: Lead Defendant's Name: 1Cf" CAPITAL ONE BANK (USA), N.A. JOHN M MESAROS Dollar Amount Requested: xl within arbitration limits Are money damages requested? El Yes 0 No (check one) ®outside arbitration limits �O N Is this a Class Action Suit? ® Yes 0 No Is this an MDJAppeal? ® Yes 0 No �t Name of Plaintiff /Appellant's Attorney: ROBERT L. BAROSKA, III, ESQUIRE ® Check here if you have no attorney (are a Self- Represented [Pro Sel Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that ;A •`,r you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS Intentional © Buyer Plaintiff Administrative Agencies Malicious Prosecution Debt Collection: Credit Card ® Board of Assessment M Motor Vehicle ® Debt Collection: Other LJ Board of Elections ® Nuisance [3 Dept. of Transportation S ® Premises Liability ® Statutory Appeal: Other ® Product Liability (does not include ®Employment Dispute: mass tort) F. Discrimination 0 Slander/Libel/ Defamation C ® Other: Employment Dispute: Other Zoning Board ® Other: °�T #f ' ® Other: MASS TORT © Asbestos N ® Tobacco ® Toxic Tort - DES Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS Toxic Waste ©Other: [I Ejectment [3 Common Law /Statutory Arbitration Bs..' Eminent Domain /Condemnation [3 Declaratory Judgment ®Ground Rent ®Mandamus Landlord/Tenant Dispute [3 Non - Domestic Relations [3 Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY © Mortgage Foreclosure: Commercial Q Quo Warranto n Dental ® Partition ®Replevin Legal © Quiet Title [3 Other: M Medical ® Other: Other Professional: Updated 1 /1/2011 ROBERT L. BAROSKA, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. FILED F iCF 425 EAGLE ROCK AVENUE T HE I 'ROTHONOTARY ROSELAND, NJ 07068 29,E3 AUG 3 0 PM 1 : SS 973 - 618 -0000 ID # 306728 PLAINTIFF CAPITAL ONE BANK (USA), N.A. CUMBERLAND COUNTY Plaintiff(s) V. JOHN M MESAROS - .�13 sa : Defendant(s) COMPLAINT IN CIVIL ACTION NOTICE AVISO YOU HAVE BEEN SUED IN COURT. If you wish USTED HA SIDO DEMANDADO /A EN CORTE to defend against the claims set forth in the following Si usted desea defenderse de las demandas que se pages, you must take action within twenty (20) days presentan mds adelente en las siguientes paginas, debe after this Complaint and Notice are served by entering tomar accibn dento de los pr6ximos veinte (20) dias a written appearance personally or by attorney and depuds de la notificaci6n de esta Demanda y Avios filing in writing with the Court your defenses or radicando personalmente o por medio de un abogado una objections to the claims set forth against you. You comparecencia escrita y radicando en la Corte por escrito are warned that if you fail to do so the case may sus defensas de, y objecciones a, las demandas presentadas proceed without you and a judgment may be entered aqui en contra suya. Se le advierte de que si usted falla de against you by the Court without further notice for tomar accibn como se describe anteriormente, el caso any money claimed in the Complaint or for any other puede proceder sin usted y un fallo por cualquier suma de claim or relief requested by the Plaintiff. You may dinero reclamada en la demanda o cualquier otra lose money or property or other rights important to reclamaci6n o remedio solicitado por el demandante puede you• ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad u otros derechos importantes para usted. YOU SHOULD TAKE THIS PAPER TO YOUR . LAWYER AT ONCE. IF YOU DO NOT HAVE A USTED DEBE LLEVAR ESTE DOCUMENTO A SU LAWYER, GO TO OR TELEPHONE THE OFFICE ABOGADO INMEDIATAMENTE. SI USTED NO SET FORTH BELOW. THIS OFFICE CAN PROVIDE TIENE UN ABOGADO, LLAME O VAYA A LA YOU WITH INFORMATION ABOUT HIRING A SIGUIENTE OFICINA ESTA OFICINA PUEDE LAWYER. PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. IF YOU CANNOT AFFORD TO HIRE A LAWYER, Sl USTED NO PUEDE PAGAR POR LOS SERVICIOS THIS OFFICE MAY BE ABLE TO PROVIDE YOU DE UN ABOGADO, ES POSIBLE QUE ESTA WITH INFORMATION ABOUT AGENCIES THAT OFICINA LE PUEDA PROVEER INFORMACION MAY OFFER LEGAL SERVICES TO ELIGIBLE SOBRE AGENCIAS QUE OFREZCAN SERVICIOS PERSONS AT A REDUCED FEE OR NO FEE. LEGALES SIN CARGO O BAJO COSTO A PERSONAD QUE CUALIFICAN. Cumberland County Bar Association Cumberland County Bar Association 32 South Bedford St 32 South Bedford St Carlisle, PA 17013 Carlisle, PA 17013 l (800) 990 -9108 (800) 990 -9108 /1' /� V l 1 Ck - G 33�/P _ n.LL a�s� Nudelman, Klemm, & Golub, P.C. Attomey(s) for Plaintiff (NN 122248) 425 Eagle Rock Avenue - Suite 403 Roseland, NJ 07068 (973) 618 -0000 [tel.] (973) 618 -0647 [fax] CAPITAL ONE BANK (USA), N.A. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. DOCKET NO. JOHN M MESAROS COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK (USA), N.A., by and through its counsel, Robert L. Baroska 3rd, Esquire, and the law offices of Nudelman, Klemm & Golub, P.C., and respectfully submits the following Complaint in Civil Action and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A. (hereinafter "Plaintiff'), is a foreign business corporation located at 15000 Capital One Drive, RICHMOND, VA. Pursuant to 15 Pa. C.S.A. § 4122, "a foreign business corporation shall not be considered to be doing business in this Commonwealth for the purposes of this subchapter by reason of carrying on in this Commonwealth any one or more of the following acts ... (8) [s]ecuring or collecting debts or enforcing any rights in property securing them [or] (9) [t]ransacting any business in interstate or foreign commerce." 2. Defendant, JOHN M MESAROS (hereinafter "Defendant ") , is an adult individual and citizen of the Commonwealth of Pennsylvania, who is believed to currently reside at 235 SLEEPY HOLLOW DR, MECHANICSBURG PA 17055 -6074. 3. On or about July 18, 2003, the Defendant applied for an open -ended credit account from Plaintiff. COUNT 1 - BREACH OF CONTRACT 4. Paragraphs 1 through 3 are incorporated by reference as if set forth in full herein. 5. Plaintiff submitted an offer to the Defendant for an open -ended credit account by providing the Defendant with an access device bearing an account number: ************7580 (hereinafter "Credit Card "), truth -in- lending disclosures, and an initial customer agreement/ terms and conditions. The parties agreed that the customer agreement/ terms and conditions would be modified from time to time with acceptance of any modification expressly conditioned on use of the credit card. 6. Defendant accepted this credit card by signing the back of the card, using the card for transactions, or calling Plaintiff to activate the card. 7. Subsequent to the receipt of the credit card, Defendant utilized the open -ended account to his/ her benefit by authorizing transactions to include but not be limited to balance transfers, merchant purchases, and/ or cash advances. 8. Upon Defendant's initial use of the credit card and every subsequent month thereafter, Plaintiff delivered account statements to the Defendant which illustrated the substance of each and every transaction, adjustment, credit, debit, interest accrual and fee from the prior billing cycle. The account statements included additional information and terms relevant to the open -ended account, which Plaintiff required Defendant to accept for continued access and use of the credit card. 9. Defendant would remit a monetary sum certain to the Plaintiff as required in said account statements. 10. Defendant failed to pay as agreed, despite an outstanding balance remaining on the open - ended account. 'Plaintiff permitted Defendant an opportunity to cure the default by making payment as agreed. 11. On February 4, ,2013, the Plaintiff charged off the open -ended account with an existing unpaid balance in the amount of $16,084.22. On this date of charge -off, the Defendant breached the written agreement between the parties as the Plaintiff would no longer accept partial payment on the open -ended account. The writing(s) upon which Plaintiff claim against the Defendant is based are attached hereto as Exhibit 'A' and incorporated herein by reference. 12. The Plaintiff suffered monetary damages as a result of Defendant's breach of the written agreement between the parties. Plaintiff has duly executed an affidavit concerning Defendant's charged -off account, a true and correct copy of which is attached hereto as Exhibit 'B' and incorporated herein by reference. WHEREFORE, Plaintiff demands Judgment in its favor and against the Defendant in the amount of $16,084.22 plus all court costs expended in prosecuting this action, as well as any other relief This Honorable Court deems just and proper. The damages requested are less than the maximum amount for compulsory arbitration as set by This Honorable Court. COUNT 2 - BREACH OF ACCOUNT STATED (Pled in alternative) 13. Paragraphs 1 through 12 are incorporated by reference as if set forth in full herein. 14. Defendant utilized the open -ended credit account to his/ her benefit by authorizing transactions with his/ her credit card. In authorizing these transactions Defendant and Plaintiff had the understanding that all transaction would be initially paid for by the Plaintiff, but would be repaid as set forth in the following account statements. 15. Plaintiff received authorizations for all transaction that Defendant made and subsequently reimbursed merchants on Defendant's behalf for said transactions. 16. Based on these received authorizations and transactions, Plaintiff would generate account statements, review and deliver them to the Defendant which Plaintiff believed to include the substance of each and every transaction, adjustment, credit, debit, interest accrual and fee from the prior billing cycle. 17. Defendant received and reviewed the monthly account statements, which Defendant believed to be a true and accurate accounting ledger of the prior billing cycles transactions. 18. Defendant had un opportunity to dispute with the Plaintff any wrongful transactions which he/ she did not authorize. 19. Based on these account statements, Defendant would remit a monetary sum certain to the Plaintiff as required in said account statements. 20. Defendant failed to pay even the minimum payment as the monthly account statements required, notwithstanding that an outstanding balance remained on the open -ended account. Plaintiff permitted Defendant an opportunity to cure the default by making payment as agreed. 21. On February 4, 2013, the Plaintiff charged off the open -ended account with an existing unpaid balance in the amount of $16,084.22. On this date of charge -off, the Defendant breached the account as stated between the parties. The writing(s) upon which Plaintiffs claim against the Defendant is based are attached hereto as Exhibit 'A' and incorporated herein by reference. 22. The Plaintiff suffered monetary damages as a result of Defendant's breach of the account as stated between the parties. WHEREFORE, Plaintiff demands Judgment in its favor and against the Defendant in the amount of $16,084.22 plus all.court costs expended in prosecuting this action, as well as any other relief This Honorable Court deems just and proper. The damages requested are less than the maximum amount for compulsory arbitration as set by This Honorable Court. Respectfully submitted: Nudelman, Klemm, & Golub, P.C. _2, Robert L. Baroska 3rd, Esquire PA Attorney ID: 306728 425 Eagle Rock Ave. = Suite 403 Roseland, NJ 07068 (973) 618 -0000 i i i CAPITAL ONE BANK (USA), N.A., Plaintiff, V. JOHN M MESAROS Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unswom falsification to authorities, that I am an employee of Capital One Services, LLC, and agent and affiliate of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, that I am duly authorized to make this Verification, and that the facts set forth in the attached Affidavit are true and correct to the best of my knowledge, information and belief an d is based upon information which Plaintiff has furnished to counsel. I understand the attached Affidavit will be incorporated by reference into the Complaint in Civil Action filed in this matter. The language in the Complaint is that of counsel and not of Plaintiff. To the extent that the contents of the Complaint are that of counsel and are relevant to this Verification, Plaintiff has relied upon counsel in making this Verification. Dated: & 4 — Lola Buafo N00000042038412 043946359 A070 NUDELMAN, KLEMM & GOLUB, P.C. N00000042038412 Department of Defense Manpower Data Center R�a ^+ A�+ zamsossa.0 The Defense Manpower Data Center (OMDC) is an organization of the Department of Defense (DOD) that maintains the Defense Enrollment and Eligibility SMx 3.0 Reporting System (DEERS) database which is If, official source of data on eligibility for military medical care and other eligibility systems. Status .Repeat The DOD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 el seq, as amended) (SCRA) (formerly known as , x� c�1Cf -AGl the Solders' and Sailors' Civil Rebel Act of 1940). DMDC has issued hundreds of thousands of 'does not possess any information indicating that the i er 118I1t l© S01Y1Cr'- ISSCII3t1C1'S (:YVI� i� individual is currently on active duty responses, antl has experienced only a small error rate. In the event the Individual referenced above, or any family � member, friend, or represanlat" asserts in any manner that the individual was on active duly for the active duty status date, or is Otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the Last Name; ME$ARQg delensdink.mir URL: nttp: / /vnnv.tlefense ink.md/1aq /pis/PC09SLOR.h1rtd. If you have evidence the person was m active duty for the active duty status First Name: JOHN M date and you fail to obtain this additional Service verification, punitive provisions of the SCRA maybe invoked against you. See 50 USC App. § 521(c). Middle Name: This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual tell Active Duty status within 357 clays preceding the Active Duty Status Data (3) Whether the individual or his/her unit received eady notification to report for act ive Active Duty Status As Of: Aug -12 -2013 duty on the Active Duty Status Dale, 0,,x —,0,4 Onxvepvl suit" 0- More information on "Active Duty Status" xy.w tx,y sin Om xcme axy aM oMO - s � � Active duly status as reported in this certificate is defined in accordance with 10 USC . Prior to 2010 only some of the active duty § 101 tl ()( P ) Y periods less Than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active e servos authorized by the President or the Secretary of Defense under 32 USC 502 for m "' ri °° A6 Bf�+'s'°'"°' "4wts'^mw awn mmu. w.oa onwxaw aysuwr mw rt § (q purposes of responding idea national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARS), Marine Corps Active Reserve (ARs) and Coast Guard Reserve ken xwe Omy wmdn W O,,p w xmw Dwysuoyo Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. xgxo pi° ge " <ck voyy Oew ew stay S—im tin - Public Health Service or the National Oanic and Atmospheric Administation(NOAA Commissioned Corps). NA - - - . Nn _ TNFrciynMereOeasyt suet» hpngeyMy epkeyayFwwewNJn36rGeyrP ¢rs0'ryayxwepgsMwerut Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duly for purposes of the SCRA who would not be il Wu ceeW b A Duty on Auiw euly 5 " eye reported as on Active Duly under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Tne Mynpy a riMb lk N ye Furure Title 32 periods of Active Duly a rot covered b am.Nmec +unn sun oya ae„NM;� mEm de . s— Title y SCRA as defined in accordance with lO USC §101(dx1). s.mre cencoey w' NA ns Many times orders are amended to extend the period of active duly, which would extend SCRA protections. Perso maki g to rely on this webske � T"te'^�v°" °'oneyF »+�wyr eu uw.t4vat n ri.nror,,,tt nth rxovm oe,y nu,reyan u, cenificalion should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. even MvVe say Furthermore, some protections of the SCRA may extend to persons who have received orders to re :dually begun active duty cr actua0y reported for induction. The Last Date on Active Duty entry important for t be duty or to be included, but who have not Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information rot that Y ry is important because a number of protections of the SCRA the individual on the active duly status date as to a0 branches of the Uniformed Services (Amy, Navy, Marine Forc 4 A above is the status of extene beyond the last dates of active duty. Coast Guard). This status Includes information on a Servicamember or his/her unit receiving notification of future orders to report for Active u Yealth, and Those who could rely on this certificate are urged to seek qualified legal counsel to ensure Thal all rights guaranteed to Servioa members under the SC RA HOWEVER, WITHOUT A SOCIAL SECURITY NUMBER, THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY are protected ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO. NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. WARNING: This cer ilicete was provided based on a Iasi name, SSN /dale of birth, and active duty status dale provided by the requester. Providing 14 �j � erroneous information will cause an erroneous certificate to be provided. 4ui—r" Certificate ID: N404E1 C1 MOF5D70 Mary M. Snavety- D'kxon, Director Department of Defense- Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 Department of Defense Manpower Data Center Results as of: Aug -27- 201312:33:49 SCRA 3.0 Staff Report Pmumt to Sere eernembm Civil Relief Act Last Name: MESAROS First Name: JOHN Middle Name: M Active Duty Status As Of: Aug -27 -2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date , - Status Service Component NA NA NA This response refle4 fnCiv duf3ls' active d"ury status based on the - Active D60 Status Data Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active y � � Duty End Date Status `y Service Component NA h! AfNA PaA i �xNo� ' 1.11 NA This response reflects WherB the Ind dual left active,d_uty status wiftyhin, 367,days preceding the Active Status Date The Member or His /Her Unit Was Notified of a Future Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component — NA A NA This response reflects whether the Indiw unit has receNed`early nofdication to report for active duty Upon searching the data banks of the Department of Defense Manpo ZerData- Center,;based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his /her unit receiving notification of future orders to report for Active Duty. HOWEVER, WITHOUT A SOCIAL SECURITY NUMBER, THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO. NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. z Mary M. Snavely- Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 at seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: h ttp: / /www.defenselink.mil /faq /pis /PC09SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his /her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificat are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN /date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: 24Y9M814T02CJ80 I I I EXHIBIT A J P L A T I N U M I N Y I 1 A 1 I 1 V Social Security Number Date of Birth 72e1-1 c �,•r - v ag bg o o d Income (see xncrosed) ` J j ��� "hams Plitine f tal Annu o - �! �a�ital� YES, x V�AiVT A PLAIINUM MASTERC.ARD E- mad-Ad ress 4- L PDT, 71. r ,,, r c� If no sticker is chosen, upon approuat - you will recetrre the Tropical su►sset Co Applicant First and Last Name Ptattnain mastercara 92. PJTrkr Mask Go- Apphcant Social Security Number I {vie havt read and agree to the IMPORTANT DISCLOSURES mcluding the provmon reladn to ` g Ardnratron, w� and en of Ofkrencfosed 1t 1 {we) hav compfeted the Transfer Re qQuest, f {vie) have. read and agreato� the transfer mtormahon enclosed You a authorized to check mycredrcand employment history S g attire pplitant Co- Applicant e, Signature Date o. To avoid delays, please prOwde all Information requested BOTH most sign U ldlnt application m. 72.81001376960 001 001 c 0% Intro APR 881anee Transfer Opportunity (optional) a YESI I (We) want to transfer the following balance($) immediately, and agree to John,W Mesaros receive Capital One's Privacy Notice later along with other account information. 1 Transfer the amount below from my atherrardnoan balances to my neW Capital - Please cross out 21 Merrimac Ave account . , Y and change name n � t:ard/Loan If Mechamesburg, PA 17055 -9303 ISStIeF Account Number • - — . - ar , Speclf c Amottit to Fay $ ( '? U U , p 0 transfer apportunittes 1813 Offer Expires: ally 25, 2003 Please see the enclosed Import Disclosures for rates, fees and other cost information. 6 . • ` • • , a lltlllllC! glll(.lUllt YY Ili VC UgKli VIII vtout Qui tovvu l�6ui. H.ra. .a•u ., my .ear aaa -r .a• a. u. •a. some- or all of a grten balance from another creditor. Min.inium trantifer.rmcuint 1 14511 There is no fee for this request Begin transferring balances using the first transfer opportunity located on the front of this form. Don't forget,_ In addition .. to credit card balances can: also trans balances from hlgiter• loans —student loans, auto loans, etc. 2 ir.tn-Jo thi' ,tmaun to trnnt m oovi Kota tuatt balanc to m y new Cauruti oun a ccuord 3 Iranster the d below fio m y other t.awnuan balances to nlr itNw c rvrt,it o n accutrnt C 4 ..J UG i d,ltr t�5rlr'y Cardit oair lssrte; Accuu tt iYorter _ Account Number 4 pecitrt'Immirtt t" P.11 $ ! / -,, �j ; y Specific Amoun to Par $ . t 4 rranster the amount b e l ow from my other c ardA oan ba lances to m„ rresv Capital Oneai:cnunr 6 1 eJ U C�af�„ t:ardlLoanlsSuBi to Calpow. at AccauttiNurnber 4 P.O. BOX 86090 RICHMOND, VA 23286 -9291 Specific AmourrttoAty $ . Help us process your transfer request: faster by following Note guidelines: V Ustihe most important transfer first 2) For Card1oan Issuer, list the financial MOO= (not yourself, MasterCard"' or Visa, ) 90 08 3) Continue to make your payments on these accounts until the payment for the transferred amount appears on your other issuer's statement 4) 'transfers between Capital One accounts are not permitted 5) Print dearly in black or blue ink I 1 Capital One® Customer Agreement ' i Welcome to Capital One .0 You may also update some of this information by logging 1 Thank you for opening a credit Card Account with us. This onto your Account on our website or by calling one of our Customer Agreement ( "Agreement ") contains the terms for representatives at the telephone number provided on your your Capital One credit Card. Statement or on the back of your Card. We may require you to provide additional documents that are acceptable to us to Some Definitions. verify this information or any changes. We maintain the right i 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 j to understand, we will also use the following personal requested. pronouns: Credit Limits. j "You," "your" and "yourself" mean each applicant and co- When you open your Account, you will receive your credit applicant for the Account; any person responsible for paying limits. These will also appear on your Statements. We might i the Account; and anyone You authorize to use, access or also refer to your credit limits as your credit lines. We may give t 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 Capita! One for purchases than for Cash Advances. j Bank (USA), National Association; and its agents, authorized representatives, successors, and assignees. You are responsible for keeping track of your Account ' balances and your available credit limits. Do not allow Account Documents. your Account to go over any credit limit even if you have + Your Account with us is governed by the following authorized us to charge you an overlimit fee for doing so, j documents: as described in the Interest Charges and Fees section. We I may still honor transactions above your credit limits, but our ! (1) this document; honor!ng of these transactions will not increase your credit I (2) all Statements; limit. (3) all rewards information and documentation if your ' Account has rewards; We may also increase, decrease, restrict or cancel our credit (4) an Privacy Notices describing our limitations on sharing limit on any Segment at any time. This will not affect your information about you with others; obligation to pay us. f (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 j (8) all other documents and disclosures relating to your use of your Card and Account. ! Account including those provided online; and (9) any future changes we make to any of the above things. We are not responsible if anyone refuses to accept your Card for any reason. Also, we may reject any transaction for Please read these carefully and keep them for future any reason. Unless we tell you otherwise, we will bill each reference. An image of any of these can be used instead of transaction to the applicable Segment of your Account and the original. apply it against your available credit limit for the Account and ! Card for that Segment in each Billing Cycle. New Offers. I In the future, we might make new:offers to you or forward You may also obtain Cash Advances and Transfers if they are offers from others that we think you might be interested permitted for your Account. Unless we agree, you may not in. These offers may have new or different terms and use a Transfer to transfer amounts from other Accounts with i 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 Account Information, permitted by us. You will still be responsible if you do. In We need information about you to manage your Account. addition, these transactions will be subject to this Agreement, The information we need includes: and you might have to reimburse the Payment Card Network I, and us for all damages and expenses. (1) your legal name; (2) a valid U.S. mailing address and residential address (if From time to time, due to circumstances beyond our control ` different); (such as system failures, fires, floods, natural disasters or other i (3) your date of birth; unpredictable events) our services might' be unavailable. When (4) your social security number or other government this happens, you might be unable to use your Card or obtain identification number; information about your Account. We will not be responsible or (5) your telephone num%r(s); and I liable if this happens. (6) your employment and income information. I 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 f i information and terms about our rewards. We will include your request, we will need certain information about the on your Statements all rewards you have earned. It might Authorized User to manage your Account. This will be the take up to two Billing Cycles for your earned rewards to same information you provided about yourself as described I appear on your Statement, in the Account Information Section. We may limit an j Authorized User's ability to initiate certain transactions. If we Using Your Access Checks, do, we will tell you about these limitations before adding any When we provide you with Access Checks, we will tell you new Authorized User on your Account, j whether we will treat them as purchases, Balance Transfers, Cash Advances or Special Transfers. Once we add an Authorized User to your Account, we may discuss your Account with them and provide them Only the person we designate may use Access Checks. Access with Account information. You will be responsible for the Checks may not be used to pay any amount you owe us or Authorized User's use of the Card and your Account as well any other company within the Capital One organization. We as anyone else the allow to use your Card or Account. This may reject and not pay any Access Check for any reason. will be true even if you did not want, or agree to, the use. j Some examples of reasons why we may reject and not pay l include: your Account is delinquent, charged -off, bankrupt, Removing an Authorized User. lost/stolen or closed; our fraud system prevents the offer If you want to remove an Authorized User from the Account, k fulfillment; your Account is overlimit; or the checks have you must contact us as provided on your Statement and I expired. Any liability for our wrongful dishonor of an Access request their removal. We will have a reasonable amount of Check will be limited to your actual damages and will not time after your request to research the situation and remove exceed the amount of the Access Check, them. You also must immediately destroy all Cards in their possession and cancel all of their billing arrangements to When you use an Access Check, you will have fewer rights to the Account. We will not do this for you. During this time, dispute merchant transactions than with other uses of your you still will be responsible for all amounts they charge to the Card. Please seethe "Billing Rights Summary" part of your Account. You will be responsible even if these amounts do not Statement and your other Truth in Lending Disclosures for appear on the Account until later, An Authorized User may more information. remove themselves from the Account upon request. i Stopping Payment of Access Checks. pp g y 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 i you a Fee to stop payment as described in the Interest Your Promise to Pay. Charges and Fees section. If you call us to stop payment, you You promise individually and jointly to pay us all amounts due must also send to us a written request within 14 calendar days. on your Account. This includes amounts where you did not sign a purchase slip or other documents for the transaction. i We will have a reasonable amount of time after your stop If you use your Card number without presenting your actual payment request to research the situation and complete it. Card (such as for mail, telephone or Internet purchases), We will not be responsible if we cannot complete the stop this will be treated the same way as if you used the Card payment because the Access Check was already paid, you do in person. If ou let someone else use your Card, you are I 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. complete a stop Statements. Once we com p p payment, we do not have to release We will send you one Statement for all Cards on your the stop payment order unless the same person asks us to. Account unless the law does not require or permit us to If we re- credit your Account after paying an Access Check send a Statement. Statements will be sent at the end of following a valid stop payment order, you give us all of your each Billing Cycle when your Account has a debit or credit i rights against the payee or other holder of the paid Access balance of more than $1.00, or if we have charged any Check. You also agree to help us in any actions we might Interest Charges to your Account. Your Statement will show later take against that person, all transactions billed to your Account during the Billing Cycle Using a PIN. along with other important Account information. 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 f With a PIN, you may use your Card to: (1) obtain cash other Truth in Lending Disclosures. If you do not notify us from certain automated teller machines (ATM) or (2) make as provided in those disclosures, we may assume that all I purchases at certain merchant or retailer point -of -sale devices information in the Statement is correct. j (POS). You may do these things if the ATM or POS requires I entry of a PIN and displays the logo of the Payment Card if you dispute a transaction made by you or someone else on Network on your Card. We will treat all ATM transactions as your Account, and we later credit your Account for all or part Cash Advances and all POS transactions as purchases. of the disputed amount, you give us all of your rights against i You should keep your PIN secure and not write it down, give it that other person. You also will: 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 Authorized Users. merchant and that other person; and (3) help us pursue and get reimbursement from the merchant j You may ask us to add one or more Authorized Users and that other person; your help includes giving us with additional Cards on your Account. If we agree to documents that we ask for and that are acceptable to us. I k V j Interest Charges and Fees. Merchant Refunds. We will charge7nterest 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. 1 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 • Membership Fee. We may charge you this Fee as early as for going over your credit limit, be aware that paying only the minimum payment amount might not be enough to avoid an your first Billing Cycle or the first Billing Cycle after this Fee overlimit Fee, becomes effective. If it is an annual Fee, we may then charge In addition to the minimum payment, you may pay all or part j 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 Pa ment Fee. We ma har a ou this Fee if we do not We will continue to charge Interest Charges during Billing Cycles y y c g y when you carry a balance regardless of whether your Statement fi 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 • Overlimit Fee. If you agree, we may charge you this Fee when charges off, the entire balance is immediately due and payable. 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 f.. two additional Fees if your balance remains over your credit account and otherwise be acceptable to us. We do not accept i limits as of the payment due date in future Billing Cycles, You cash payments through the mail. You may not make payments j 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 i limit multiple times in the same cycle. us or any other company within the Capital One organization. j • 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 j • Returned Access Check Fe We may charge you this Fee if we will credit it to your Account on the day we receive it, if: j 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) us to stop (2) you include your Account number on your payment; and request p payment on an Access Check or you renew � an existing stop payment order as provided in the Stopping (3) your payment arrives at the address indicated on the Payment of Access Checks section. payment coupon in our processing center by the time I in indicated on your Statement. • Copyin g Fee. We may charge you a per -page Fee for copies of i transaction documents or Statements unless they are required If your due date occurs on a day on which we do not receive in resolving a billing dispute. payments, any payment received the next day which conforms to the above requirements will not be treated as late. • Cash Advance Fee. We may charge you this Fee each time i 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 j 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 j 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. i which the Transfer posts. Transactions Made in Foreign Currencies. Faster Payment Services. i 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 j from the rate in effect on the transaction or posting date. We you the amount of the Fee at the time you request the service. I do not currently adjust the currency exchange rate or charge any We are not responsible if a payment made using our payment I additional currency conversion Fees. services is rejected or not paid. Even if it is, we may still keep the No Warranties. Fee. Except as otherwise provided in the "Billing Rights Summary" If you give your Account number or other Account information part of your Statements, we are not responsible for any claim to someone else to make a payment for you, we may provide you might have regarding the purchases of goods or services Account information to them and process their payment as if made with your Card. i . 1 I i you made it. We may refuse to accept any payment made by (6) we determine that you made a false, incomplete someone else for our Account. If we accept a payment made or misleading statement on any of yourAccount by someone else for yourAccount, 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 s Payment Processing. (8) you permanently reside outside the United States. We may accept and process payments without losing For certain actions, including changing the rates and Fees any of our rights. Even if we credit your payment to your on your Account, our options appear in our original offer Account, we may delay the availability of credit until we materials when you opened 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 yourAccount; 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 yourAccount (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 (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 j to substitute checks: We will not be responsible if an Item you these amounts. ! pprovide has physical features that when imaged result in it not ! bein processed as you intended. 9 P Y Communications. We may contact you from time to time regarding your How We Apply Your Payments. Account. We may contact you in any manner we choose unless We apply your minimum payments to lower Annual the law says that we cannot. For example, we may: Percentage Rate balances before higher ones. We apply any portion of your payment, in excess of your minimum (1) contact you by mail, telephone, email, fax, recorded payment, to higher Annual Percentage Rate balances before message, text message or personal visit; lower ones. (2) contact you using an automated dialing or similar device ('Autodialer "); t Items with Restrictive Words, Conditions (3) contact you at your home and at your place of or Instructions. employment; i All Items that have restrictive words, conditions, limitations (4) contact you on your mobile telephone; or special instructions added (including Items marked (5) contact you at any time, including weekends and holidays; with the words "Paid in Full" or similar language) and all 6 contact you with any frequency; accompanying communications must be mailed to and (7) leave prerecorded and other messages on your answering ; received at: Capital One, P.O. Box 30285, Salt Lake City, machine/service and with others; and UT 84130 -0285. If you make your payment or send any (8) identify ourselves, your relationship with us and our ! accompanying communications to any other address, we may purpose for contacting you even if others might hear or accept and process the payment without losing any of our read it. rights. Our contacts with you about yourAccount 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 1 cleared. We may reduce the amount of any credit balance by and identify ourselves on these services in any manner any new amounts billed to your Account. You may contact us we choose. When you give us or we obtain your mobile as provided on your Statement and request a refund of any telephone number, we may contact you at this number using available credit balance. If you contact us in writing we will an Autodialer and can also leave prerecorded and other refund your credit balance within 7 Business Days from our messages. We may do these things whether we contact you receipt of your written request. or you contact us. j ! Account Default. If you ask us to discuss your Account with someone else, you We may consider you in default of your Agreement with us if: must provide us with documents that we ask for and that are i (1) you do not make any payment when it is due; acceptable to us. ! (2) any payment you make is rejected, not paid or cannot be Credit Reports. processed; We may provide information about you and the Account to (3) you exceed a credit limit; consumer (credit) reporting agencies and others as provided (4) a bankruptcy or other insolvency proceeding is filed by or in our Privacy Notices. Information we provide might appear against you; on your and the Authorize Users' credit reports. This could (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 f E I I and income information about you from consumer (credit) period for all provisions and purposes under this Agreement f reporting agencies and others as the law allows. (including the right to collect debt) will be the longer period provided by Virginia or the jurisdiction where you live. If any ; Closing or Suspending Your Account. part of this Agreement is found to be unenforceable, the You may ask us to close your Account by calling or writing us remaining parts will remain in effect. as described on your Statement. Your Statement will provide additional information about this process, and we may also Waiver separately provide you with additional details after your We will not lose any of our rights if we delay taking any ' request. This might include payment information. If you use action for any reason or if we do not notify you. For example, ) your Card or charges post to your Account after you ask us to we may waive your Interest Charges or fees without notifying close it, we may keep it open or reopen it. you and without losing our right to charge them in the ' future. We may always enforce our rights later and may take 1..... 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 i any reason, permitted by law, even if you are not in default. waiver, delay, demand or dishonor. We may proceed against A suspension of your Account might be permanent or you before proceeding against someone else. temporary. Assignment. If your Account is closed or suspended for any reason, you This Agreement will be binding on, and benefit, any of your 1- must stop using your Card. You must also cancel all billing and our successors and assigns, j arrangements to the Account. We will not do this for you. j 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 Account is closed or suspended. We may transfer your Account and this Agreement to Lost or Stolen Card. another company or person without your permission and 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 I 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 1 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 j calling the telephone number on the back of your Card or we think is reasonable. This includes returning the payment on your Statement or by writing us at the address on your to you or forwarding the payment to the other company or Statement. You will not be responsible for charges made to person. ; your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made Glossary, using your Card, you will help us investigate, pursue and *"Access Check" means any check we send to you to access get reimbursement from the wrongdoer. Your help includes your Account, We may also refer to an Access Check as a giving us documents that we ask for and that are acceptable "convenience check" or a "purchase check." I to us. Changes to Your Agreement. • "Account" means your Card Account with us. i I At any time, we may add, delete or change any term of this *"Authorized User" means one or more persons who may Agreement unless the law prohibits us from doing so. We will use the Card but is not responsible for the repayment of the ! give ou notice of any changes as required by law. If we do Account. notify you of changes, we will send you a separate notice or inform you on your Statement. We may send this notice to -"Balance Transfer" means a Transfer posted to the you electronically as permitted by law. Our notice will tell you purchase Segment of your Account unless otherwise when and how the changes will take effect and describe any described in your Trufh in Lending Disclosures. i 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. notify you in writing. If we increase your Fees or other terms We will often specify a Billing Cycle by the month in which of your Account we will notify you in writing and inform you its closing date occurs as provided on the Statement. For l 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 I Period." If your Account balance has charged off, we may j We may increase your interest Charges for new transactions switch to quarterly Billing Cycles to your Account. i and your Fees after the first year of the Account. Also, if your payment is not received within 60 days after the payment *"Business Day" means any day in which Capital One's I 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 yourAccount we give you We make decisions to grant credit and issue you a Card from that allows you to obtain credit, including anyAccount number 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. i 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 f I i i 1 equivalents include wire transfers, travelers' checks, money orders, foreign currency, lottery tickets, gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account and not to your purchase ' Segment. -"Fees" means charges imposed on your Account that are Per not based on the Annual centage Rates. • "Interest Charges" means any charges to yourAccount based on the application of Annual Percentage Rates. • "Item" means a. check, draft, money order or other negotiable instrument you use to pay your Account. This includes any image of these instruments. This does not include an Access Check. I -"Payment Card Network" means Visa Inc., MasterCard International Incorporated, or any other network provider displayed on the Card. • "Segments" means the different parts of your Account 1 we may establish that are subject to unique pricing, grace periods or other terms. We create these parts of your Account for such things as your purchases, Cash Advances and Special Transfers. -"Special Transfer" means a Transfer p osted to the Special Transfer Segment of your Account and not to your purchase Segment. -"Statement" means a document or information we provide to you showing Account information including, I among other things, transactions made to your Account during a Billing Cycle. We might also refer to your Statement as a "Periodic Statement" or a "Billing Statement." -"Transfers" means balances transferred from other Accounts to this Account and includes Balance Transfers and I 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 E 2010 Captal orn - pdal Cana is a fedetally K45iaed serke ma rk. All rghts !, % tvrd. RV600157 M -99488 BR16S892 i i { i i j i i i i 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 Capital Page 1 of 3 Customer Service 1- 800 - 955.7070 Dec 03 -Jan. 02, 2012 31 Days in Billing Cycle { www.capitalone.com 1_­____.. ..—J MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Platinum MasterCard XXXX- XXXX -XXXX -7580 Payment Amount Each Period If No Approximate Time to Payoff Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total cost $14,994.14 $299.00 Jan 27, 2012 Minimum Payment 27 Years $29,222 $497 3Years $17,903 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: 511,319 Credit Limit: S15, 100.00 Cash Advance Credit limit: $15,000.00 If you would like information about credit counseling services, call 1- 888 - 326 -8055. Available Credit: $105.86 Available Credit for Cash Advances: S1 05.86 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, -- --- --- -.. .. -_. .... ......_ you may have to pay a late fee of up to 535.00 and your APRs may be increased up to the Penalty APR of 29.40 %. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $14,859.77 — 5300.00 + E149.78 —� l ) f 5284.59 514,994.74 TRANSACTIONS Image Card® .., letting YOU show through. PAYMENTS, CREDITS &ADJUSTMENTS FOR JOHN M MESAROS #7580 , 1 13 DEC PAYMENT ($300.00) �wte ' TRANSACTIONS FOR JOHN M MESAROS #7580 1 20 DEC SHEETZ 00003749HARRISBURGPA 568.75 I - --- i 2 21 DEC GIANT 6120MECHANICSBURGPA 532.99 Image � n • - - 3 21 DEC WEIS MARKETS 1/199 SHMECHANICSBURGPA 543.75 Card __� ♦_ - -� 4 22 DEC BOSCOVS 00000125CAMP HILLPA 521.19 5 22 DEC GAMESTOP #4298HARRISBURGPA $31.79 6 23 DEC USPS 41524895521100482MECHANICSBURGPA S10 Create your own personal masterpiece. 7 01 JAN TARGET 00022020MECHANICSBURGPA 575.42 Just visit ca pitalone.com /imagecard. 300012 1 Total Transactions This Period $284 -59 INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Fees This Period $0.00 Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge INTEREST CHARGED INTEREST CHARGE:PURCHASES $109,39 Purchases 11,90 $10,824.53 $109.39 Cash Advances 11.90°% 53,996.84 $40.39 Transactions continue on page 2 P,4D,F - Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVWV.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 02 0000000300000299007 came Account Number. Due Date New Balance Minimum Payment Amount Enclosed PAPERLESS Jan 27, 2012 $14,994.14 $299.00 STATEMENTS PLEASE PAY AT LEAST Stop waiting for the mailman. THISAMOUNT View up to 13 months of statements anytime - online. Sign up at www.capitalone.com 400007 d OHN N MESAROS 1917 ROXBURY CT NECHANICSBURG, PA 17055 -7023 Capital One Bank (USA), N.A. - 1 1' 1111 1 "'I'll "I11 Charlotte -1083 1111 11 I . it hl'h'h11 "1111h "11' "Illllhl'hll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 02 U: How can I AvoM Pavirw Interest Chanms Ea r month you pay yc ur °.Pew 3alarse" :r ill, you wall I ; : ;, e. When will you Credit MY Paym?nt mill mien g,a pz1ad Of 2 "1 no r teraa "ho roe all law p Pu 2) .;,!a ca --esfars, 31 saerra Fo' o'lire e ore, tie phone, as a ohe business day we lcavi•e : m L;rc asthey are mod= Sys F r Et. purchse ether c arges. If you have beer papa yeura urun full Ai no Incas hag r„R=d and you rrr lM payma s, �� ftM �u it •sdasr peregas n3 zs ) n rato"cdtmn'•r Is no no pay you- next bill In fuh o: t p cd interest ch "Sits II re o'-szo. le n a ^e „e, o0 on ash ad a ice , Sztem rc . G sour dire k n n ere la e r :;ce Jcpe d }Kira ^en cen_d r c e rat sped.: tran 4's, cr a^ oy :your .ars<r vi ..:;ere is ..: a,id _.aim o,..., prern. tl :, Pax•sia ,emit} ,.,.ic l,.m_..I _Io..ILm[(rbusns>dayso. Ioelivey.r ,k6payni How Is the Interest Charge applied? IntereA d..a[des aawe from the 1) date of tire transrctlon, 2) date Sae r,.celved by us. at any other kaaocan or is zry mher tom: may at be cedited as ii 6z day we receive Ili rarr maul p•xa = c c F 31 filet czLrd r day f the .1 9 pit oc .e chvqCs accrue C eYe y urri :curt Do you Process Paper Checks as an El ctmnk Funds Tran r r I - en. 1 ti piece zc on o ;vrc ways: tr,Il is pa ful: his -r tau mays r e rah r v>r, :yer, pay ?i, 3:1 c,e :r th 0-yo . - ,a. clueka c :c.:: bnn�.. kea- e.b y ou uthc are us o o ur ..yon or t:.:e ba did lot do .o ,or lire We Acris mont.n. Jr paid M? s „ aes h are v added to e craper secmert.f Ku Maurt a0 to make a c time X ll nessaz7on ar other alic , n, old transfer om you stec, depa.jn. r,a may ihdi we reserye the fi to na[ assess lore rest Chi at aCy Ire. also use ttel::i,rmaban to pf the aaymen: as a check[ransaedan. Oo you assess a Minimum Interest Charge Y A r. n um':I'_R.tSf • 14 4.::,: 3L•. SC pelt Lt zssez— fr : :. What H I file for Ba krupt you lire a - :k u Fr 'chic 7 mu: solar f of rr.,[:drr b It rg p :tad your air art u. uyett b ai l .- erestcharaz. c li t is rotor a+x .fart .. la, os,.>a p re vn . deb[ or o an . Vo na se d us Mayrems wrh. r speak ng ywtn How do you Calculate the Interest Chaw vie use a method celled Average Daily 8ai ice lnduding new your bankruptcy 5oarney rat the parrs;u :ryr'oua if you or you, a;mrey would ilk: z� contact ou; t ?e uptry claims :tans, of u1n; r`I nwda yr `first sal -uldt y.. daIy- <_. .,,,o'ea,h s a ,-'r, i.t ?k eae r .,r caacw sernce, a'.e :'ly, cl asea iCoTi'd ire I0 Bcx 70i a slim ity.l P, I3r 02.6 and pw -aroao and nit pet di ihersst'ui can th pretl u c ':crce men 2 i 4rtitacz any BILLING RIGHTS SUMMARY , Dar -s Not /{pi to Sma/idusiness Aa_oune) paym3trea creGrs or ih ear r, as of. dout day. Theres,ft is The dally bloc e or on s gown Ilomwi I you What To Do if You Think You Find A Mistake On Your statement: If you that there is an error o.. Your Card your previous ni bandanNice it you: Werra W.. Peron a aedr_ puni, rota,..sendn winch pest satamsn ;r:T,e to u at be Y" 'a or spi ,c . • eg . a . na: aa'd= au V e wily bal -n:a. A's), trans aor 3r are s bj a:a a gr e period are ret aid Io t )e daily o,l noes, Capital Ore Ness[ to rrid your A4Tfags Wily Llalar :rat: !i add nha daily balances xgether icr each secrr e d 2i dNCa the con b F.O. 611.x3'7%95 the number of d::= i:: the bihling cycle. f <aR Lake City, u'1'£L'.t ?t�D255 Arthe and cfeach It Im c}t:e,vw drpttrrim your Interest C7r6i asfulovn', 11 muti V your Average Dally Palanx fa your letter, givzusthe iolloway in` ton: bi daily peacdk rate M drdded Iti'or the s,men,arc 2' muhiplyde resuh bydie wmtarcfdays Inte nsount infoc:atio, your name andacmuni nar.•ber. Fllln p, L,d. tip .: Cw,a - ,urging ors m.n inte Nis cm „_r may wr,t. .te fir, str4fe Ila a: -c.;m the ddllc d•n;urtcl Uew „cod error aaaalYassessed. LYS; da - (r r . I` y;o [Wins there is am enor en Naar tTl decade e+S you beliptt r• wr2 and w!y }cu How can my Variable Annual PerceMade Rate (APW charge YGUi APR may ncressp or decrease basedi a^ one Of L+plieve a m6Ur•- theCol to van , P"�' ,P ap - rail I- IA Ul Streit of mar T.IC urr .h: nd^r is Ce j fit: you :•coaUri, You ,j5 c nyt u- Wthr60 Ca vs :=rti era- aWe are- c,'p.- st .malt. Icdk lCT , :.: ode on are (rc c. ,np>tatemz. hzz;c Yo1T oar,: liar rF, „cite. cite .,.KS+ You nr st notify us Yany cortartiol erns I t,, rinc, You m y pill us or ratify u el a onkaUy, but if you do w are Code mxt to your Hei we calculate your APR(s}? When your Ali no "ittuneitolnvastigate anyo; rentiserror; anjyai may have td;wy the amwrd in question. We will noryyau APRs) Index + margin ipreyli disclosed to you) will charge Ir xrh.rc wr'.ir 39 days cf cut receipt Of rvr le`ar. rime pare + msrgla Ti first daydt the N lino penoo4 tha, Pfifle v e rn,e igara tYhetl r riot there has been an nuor, to lowing ors tri.: L 3 morron ulu'saR a rar.in endinlan.,Actil, luly, end Oct We carnottyta calleathe amoontin cues don, or re con you a$ delirc,rnt anthat arount th fit iy efech - .ti g n u5 -r• - :an ..yol ir. aedr m Tea i youareter or Oder F 1 ma r uLYyR i march crri bi hnc perry.', 3 . if W det..,.re r wLr. ad, a mrsakx, K Hill rrt f L. pay [he a�m.r[ n gu,_ ;.r or .nyl ..re.[„r dMer foes reload m Chat amount Are there Additional Foes associated with my accounts yes, ai'die °rtaln a .,_.:,taxes y.0 m,{ be a_ess a Ytfid_ yot, cc nut haw t_ a.y ,n, :-lur r queston > I .,, .,r,. you a i.ar. th cut.me pis curt tat R u n - f yr.am fop You may also be osses 0,• :fmr tees if N'wred ,ry tow. W, ,v. ve t" •Sgt to X' .n e =fie flan, you are resco. ore `or Me re: aI. d,: o:` balance. u—sr watoutoribirrixictand wit-aww"i ich[o asx arito,Tyn fee ha Vic na Iya yunpadara a ^ orsyru ors;, ;Inc, Now on l Avoid Membership lfa RervalNice ia . e efr c he stn con y"u id titter K ayrfc:. re Plot p yeletter 41 s end you wriftnrcu =.pir.Ig -a,: tf.,maoeaddoe paylr n ;,l m—ce - swf. y—i rn fi s e7S Mte To n ', F. rl afla, H&ILst avi * eb g ere* atria Cr ,.ur'12K ScLaneno e, e'ea'— 're L:Ii. ,, ,`1. ,' S..,r �. vie c ered by this sate- all x ea P, dv,. We case You, account, la rod pay c a monthly anbz:shic fe cuma^t Lus i ; Service MO to •ecri ['ot we :lose your accost, :d vre mll stio asse y5u, monthly Your Rights I(You Are Dissatisfied With Your Credit Card Purchases. It you are dioio, with tlp cceds or r;rem:,ers ;yfee- video : [yap haepuc a , you r r a. reya hm, tf dI,g if Tc .["t -e ppol.m with Ire mer ham y u :gay have n. r a ft ip; to r y ,h.. - ain!ni, : - _unt due a parJase, f use this right, the How Gini[IgS ?YOU ¢nro 't<l vcl yi••el -we p SFrt w2 ronad) re am At r rllow�ng n.5 be true: thata.e we'll xpialn anvaid apral s=ip too -mui dcsu Iritlud. rota :� pty :wrsarnfe dpn �c me :lops Pleas ,meri•cu<yru.,editca;:,T,,rge poem y,ux.oui:utcrruak us tdoce C w, pert kxea y­1 ed yc ti :d -or F-Iroc. hurcha .ado v.•t c.h ad>oi.,.`. ;a. a, ATIV I Ydtha amurntopen, roe, tiaa a cssp> Y u mt.a d ..un da i., gwlhy: and What happens If my Arsnrrm k c rspe dean We ovay apse or uspera yCur ecocurt aed your irlight. o rattan credit 1 You must lot y ,are fullytoii your av at any time up any •easo4 Peer r you are rrt I!d;f3ul,Aoc- suspenici an be acrm:ert„r `r•W a y; I :all cf if mien. aboveze, ri a „d You are .11.:.ausfed Vntf the eu.char e:. wC2 uar wrincc at your o ou 3 is dosed orn;,>perced yo m s 1 1 sooto a irr yar ri c ,z ant ­,M 2 ce I TI a=mi CoPuT'l Oce payreh _ despcy all sec t,ards are acar c ucc, and 4) pay all amount you va vs, eiier, 1 theype char zed I D, Ikr 3'Y18S arter the -a aes clove or suspended. Soh Lake rite {, U7 9r.13r},7F,5 How do l Make Payments At anytime, you .ay ?ythe mu: c ?yc:e :T : c roar: ; :'paid 'are or any o.—It in benre,i, ay-.enG may be made in severol wai Wh :Re Ile urvcshrate,'ha same rugs apply x the deputed 60 as di-5sed abate. After we br,ah our I7 Onlme by g”- Irgrowwvr.wriwlpne.mcand logipt into y;.vra -cunt imasddatian, pea unit [ell Vpu cur decision. Mthat poi. dpep chink ypl, ewe z'amounr and you dp rpt paywemay - Te :e ion= Voice Resronz System byd l ;, gqi -7010 and follcw,7 voce prompts oo cyou makes 'eocr:y s h. :cu ,t o ^or :e povme : :: [augno epee roan e y e yc oath rz s a - ti ?fie am ACH o'alectre. :k pnnn n - - ,at w'l Capra! e supports Ttdrn S p be debited ary crote^rer see our " insr at+.!vw G;prabrero^ xofo you l b. l.otorr:. Fund . be rm,cfewn from. W01 bank accou't as as the same day we g2OUCa tial Ode. �anal0esafederahyr o r . :s edur"a t rar a Ali t process your pa4aalani; �! C,II rc t I p hone rani b?:iuh -5 5 / l:, :::C pmmd': r y-' infarma cr h a r:.o'esertztir; RI Payanznts trym,dl should be spr.: tc ;he mailinc adG,ess preside: ran rte badam ponirn of this statement : -t(iR3 IJ3411 t Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ........... .................. .................... . .................. I...................... we process your payments smoothly: Home Phone .................... •....................................... ©� • Don't staple or paper clip your check to the payment slip. • t Alternate Phone ............................................................ ............................... Be sure to use he 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 C��. Page 2 of 3 Customer Service 1- 800. 955.7070 Dec 03 - Jan. 02, 2012 31 Days in Billing Cycle j www.capitalone.com —...— ...._ — ...-- .. —.._ -- Platinum MasterCard XXXX- XXXX -XXXX -7580 Credit Limit: 515,100.00 Available Credit: $105.86 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: $15,000.00 . $14,994.14 $299.00 Jan 27, 2012 Available Credit for Cash Advances: $105.86 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $14,859.77 — S300.00 + $149.78 } 4284.59 = 514,994.14 TRANSACTIONS CONTINUED INTEREST CHARGED (CONTINUED) INTEREST CHARGE:CASH ADVANCES $40.39 Total Interest This Period $149.78 TOTALS YEAR TO DATE Total Fees This Year SO -00 Total Interest This Year $149.78 i i i i (� JOHN M MESAROS 1917 ROXBURY Cr 200960 MECHANICSBURG, PA 17055.7023 Date 12765 Use by 0313112012 68-72702560 42885 -01 Pay the VOID order r of Dollars CaPif� For inquiries call 1- 800 -833 -6393 Richmond, VA Memo Signature ?ayh6le Jhrni,r,F Wets largo Blank. PJA. II' 1 276511' 1.:2560? 2 ?031: With these checks, you'll pay... NO TRANSACTION FEES! The checks on this page let you use the available credit on your account anywhere that doesn't accept credit cards. Any way you use these checks, they come with your purchase rate —and NO TRANSACTION FEES. Here are just a few ideas for how to get the most out of your account with the attached checks: • Balance transfers ✓ College tuition and books ✓ Wholesale clubs • Moving expenses ✓ Computer equipment ✓ Car repairs • Writing a check to yourself ✓ family vacation ✓ New furniture and depositing it where you ✓ New appliances ✓ Medical bills bank for cash You have until 03/31/2012 to start saving with no transaction fees. Call us at 1- 800- 833 -6393 to transfer higher -rate balances over die phone. Or, log into your account today at capitalone.com /offers to see all your available offers. Interest and Fee Information APR for Check Transactions You will be charged the APR for Purchases, currently 11.90 %. and Balance Transfers Fee None. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new on Check Transactions check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. 200960 JOHN M MESAROS 2766 1917 ROXBURY CT MECHANICSBURG, PA 17055 -7023 Date 68-7270/2560 Use by 0313112012 42885 -01 Pay r the VOID order of Dollars Capi�l For inquiries call 1 -800- 833 -6393 Richmond VA Memo Signature ?apahle - ch WIN 'J A. 11 ' 12 ?6611' e: 2560?27011: o a 0 m m Z Z n m o 0 m M M N o a m to < O m m S N M o m > m z� a D 9 O Z O C) O > N 0 _ < Z m rc i to Zi Z , r 9 y O or O M Z G) N N n m n Ez m Questions about these checks? Qt What can I use these checks for? Qt Can I use the enclosed checks to get cash? Qt Can I avoid interest on new purchases after I A: You can use them for abnost anything - -- whether you A: Of co use. Simply write a check to yourself and transfer a balance' extm time to pay a bill, want to give a check as deposit it into your bank account. Please be A: Once you transfer a balance with this offer, you will it gift, or just want to have cash on hand. Another aware, depending on the check amount, )'our pay inrcrest on any new purchases you make: with slay to use your checks is to consolidate debt from bank may "hold" your check temporarily to make your credit card unless you pay your entire balance non- Capirnl Oneo credit cards and loans. sure you have enough available credit to cover (including transferred balanc w) in fill each month. the rcqucsted anwunt..Reg:udlest, with this offer, please we your C.u.str mer Agreement for details on Q What MR will apply when I use these checks? You'll never have ter worry about paying high cash Interest Charges. A: These checks come with the same APR you pay for advance fees. purchases you make with your credit card. Qt What is the difference between my "credit tine" Qt If I transfer a balance from another lender, do I and my "available credit"? Q Is there a transaction fee for using the still need to continue to pay that lender? A: Your credit line is the maximum arnounr Capital One enclosed cheeks? A:Yes. Until Your transferred balance posts to your will allow you to borrow on this account. Your A:7 here isn't. You won't pay any kind of Capital One account and appears on your other available credit is vuur credit line minus your transaction fee to use these checks to access lender's billing statement, it's important you make balance, if any. Your Capital One account, at least the minimum payment to your other lender. This will ensure on avoid paying fare and being Q Where are these checks accepted? Q: How long will it take for one of these checks to penalized with past due fees. A: These checks are accepted wherever you would use post to my account? your personal checks. "I'hcy're a great way to "charge A: Checks can take 7- 14 business days to post to Q What information do I need to transfer a balance V al places that don't accept credit cants. your Capital One account. If you re interested in online or over the phone? accepting this offer, but are concerned the checks A: You'll need to let us know the arnount you want wont post to your account before due oller expina, to transfer and the account munber, name, and give us a call' payment address of the lender from whom you're transferring your balance, Important Information About This Offer • Please make sure the teal e` your checks, trap sa ions, etc fees lees not exceed your available teed =r. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined if: Your account is delinquent, overllmit, charged -off, or closed - You have filed for bankruptcy Your card has been reported lost Or stolen, or our fraud system prevents the offer fulfillment A term of your account relevant to the offer (like credit line, APR, or your special tansfer rate) has charged since we mailed the offer • I' you have an authorized user en your account, the authorized user cannot request a transfer or use any checks. $0 fraud liability claims are subject to venficatiotl and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subsea to the terms and amendments of your Customer Agreement. Please be aware that the sect on titlec Your Rights I? You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic. statement does not apply to these checks. • Do not earn Rewards. • Cannot be used as a payment on any Capital Or:e account. • Cannot be cashed at a Capital One branch unless you have a doposib account with Capital One, N.A., which has sufficient funds to cover the amount of the cherkfs) in the event the check(s1 is(are) returned unpaid. All other terms and conditions for yc;;r account remain in full farce and effect. C 2011 Capital One. Capital One is a federally registered service mark. All rights reserved. 0 coo D O Z m m z 0 n m 0 < f lA M m va D m < O m m M 37 N 21 r _T y m O Z 3 Y D V O n O O > a m < t z Z M 1 to M :;i m O C O -1 m O � D Z 2 P N N O m r 0 t 2 : m 500766 A few bright ideas... 9 Save when you transfer higher -rate balances to your account at your existing purchase rate — plus, pay NO TRANSACTION FEES 9 Transfer balances from any lender, including: ✓ Credit Cards ✓ Personal Loans ✓ Installment Loans \ ✓ Auto Loans ✓ Gas Cards ✓ Retail Store Cards Call us at 1- 800 - 955 -7070 or go to capitalone.com /offers today! Page ' o' 3 Customer Service 1- 800 - 955.7070 Jan. 03 - Feb. 02, 2012 31 Days in Billing>ngt Cycle www.capitalone.com -- _—....— .. .... ... .__._...— ....... _..—_J MINIMUM PAYMENT WARNING: If you make onlythe minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Platinum MasterCard XXXX XXXX - XXXX - 7580 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $14,960.05 $301.00 Feb 27, 2012 Minimum Payment 27 Years 529,155 5496 3 Years $17,862 PLEASE PAY AT LEAST TNIs AMOUNT Your estimated savings if you pay off this balance in 3 years: S11,293 Credit Limit: SI S,100.00 Cash Advance Credit Limit: $15,000.00 If you would like information about credit counseling services, call 1-888- 326 -8055. Available Credit: St 39.95 Available Credit for Cash Advances: 5139.95 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, -- -- -- - - -. .— ...__._..—. ..... ._._...— you may have to pay a late fee of up to S35.00 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 514,994.14 — $3 00.00 + 3152.01 + 5113.90 = 514 960 05 TRANSACTIONS InterestPlus Online Savings PAYMENTS, CREDITS& ADJUSTMENTS FOR JOHN M MESAROS #7580 1 27 JAN PAYMENT (5300.00) TRANSACTIONS FOR JOHN M MESAROS #7580 • Great savings rate 1 13 JAN PENN STATE MA100229401HERSHEYPA $6.88 - Quarterly Bonus on interest earned 2 13 JAN YOUR PLACE RESTAURANTHERSHEYPA $36.04 • No fees 3 28JAN HOMEGOODS- 1 /0502LANCASTERPA $45.54 4 29 JAN PETSMART INC WMEC14ANICSBURGPA $16.93 CIO 5 29 JAN THE HOME DEPOT 4120h4ECHANICSBURGPA $8.51 Learn more and open online at 10 Total Transactions This Period $113.90 capita lonedirect /interestpIus mrtws FEES Total Fees This Period $0.00 INTEREST CHARGE CALCULATION Your Annual Percentage. Rate (APR) is the annual interest rate on your account. INTEREST CHARGED Annual Percentage Balance Subject to INTEREST CHARGE:CASH ADVANCES $40.58 INTEREST CHARGE: PURCHA $110.43 Type of Balance Rate (APR) Interest Rate Interest Charge Total Interest This Period $152.01 j Purchases 1L90% 511,026.44 $111.43 Cash Advances 11.90% 54,015.57 $40.58 Transactions continue on page 2 P,L D,F Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. Ca�e- 5291497361847580 02 0000000300000301003 Account Number:. Due Date New Balance Minimum Payment Amount Enclosed �627,2012 $14 960.05 $301:00 GREEN FACT! 1 tree can be saved for eve PLEATHESAMOUNT ST 13 people that go paperles Sign up at www.capitalone.com 400065 JOHN M MESAROS 1957 ROXBURY CT MECHANICSBURG, PA 17055 -7023 Capital One Bank (USA), N.A. I1 II Irr Ir I. Irr Lrl. 1 I I P.O. Box 71083 "'lllll I II I" I'll I' I'I'I III III III II "I'I'I Charlotte, NC 26272 -1083 nlllll' I nhl' h' llllnl "Iluh "II'I'lll'll "Elhlhl'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Your account is more than just a pretty card. It also gives you two easy Drays to transfer higher -rate balances to your Capital One•' account at your existing purchase rate and pay NO TRANSACTION FEES a Call us at j Go to 1- 800 - 955 -7070 capitalone.com /offers BB2 02 How on I Avoid Paylig 1 forest Ch roes Each month you xy your "niew lirlai in full you will heads a When.Ii you inxti[ My Pay—ot mini Cm a:e period o: 2 days uni no titre . chcrgz on all new 1) our :chu 2) bdiance carnfers. '3 soec rer online Orono ^e phone Ol bur n. ss caywe rezeve r as long a- io rare Wads by 5 p - r r P,0 59; Q r„ other c a es f. y'du has been paying Your acc I huh rid+ r s lnte to q . apt and you gar II - pa}mi sate, f tF u r cdv r= r r •e r Ingo , y;,u s totem Dhoti :> s do m. pay po nErt bill n full a.a e n n rtes I' be e ..c. I e . c gate nee on _as ad u .ce„ sus t . - - d your dr: z n n e : to- zr' ? r -::c talc cE d 2} yT.0 pad -en- zcerwd e- e f ar >pE.l - VansL >, or ci uri Ew.a: saccr m-, is ar. ca.d.:aany front prew5loth.. pracesng_mers byu p.m. c.al,rr. ease allow at least (b tuoinss days far mail dehrcery . rr ,dad toymer's How is the Interest Charge applied) laterest charges acuue from the O date of the tarzGlDr, 21 date th= receiveE ty us a;any otter L ^cadcn m in any ctericm :ray Wilt t; aedisd as of ch? day we rer?rx them. ; +r acao p - es d or 31 fi- ,.uiz d r day f t he o I pe and 'r;erz h -ice a c: e IT v .rpa a a *.curt Do you Process Paper Checks as an Electronic funds Transfer I' a4mart< will x prop Ec in o0. 0f t Cray rr p­ i ful :, his n �r your mays r m' n) c ear r you pyt-e entire °hew Baleree - -• ore -:o th wdys el c i You n:asid Ir vor check mf r .ylo.- ro mac+ x} n yrou rrho lz _ m 0u. aq =fuss the but Cld nil d nor aewcts �orh unpaid nz =s ha qe am :Coed no tie F+dFer so, of your M.aurt mfmmato n o m ke a one m. ACH tOnm .on u of er elec., ns.and Vansfzl r-. fur de;vsaaaodh. We may I t rer. - scene tree ght to na: rise ime..s .`Lra . a -..,hy a.. ;e. ale, use the I ,,•mzuar to ; s_ ... die paym n: as a clack twnsaacn. Do you assess a Minfmum Interest Charge :,s. A m rl... INFIREI IINRG":r` 30.50 Vo te a, :svd! " or e n Wharf if 1file fa Banknagel >Pyo, are ett.dw to:,:n1: ;otcy pcxuer: arsr a ;?ter n, fal of rrtten Billing pe`IDd your a ;CGUrit 1551[1QR to and .rES(C11a'p?, only It Is rotor a :.a -p: to collect, as<essa r oer d debtor;.ar. Do mtserd lrs poy.lents wr-. l. ng }N h.onkth How do you Calculate the Interest Charge? the use a m?(r.v call Ed Ave ,. :ace D_dv &clan. n.lud nc new You' b kr p Sya ,m ? c on_ rir qu ­ `1 :t, If or yoxauxrevvr -uld I,l, no c.n ;ut c •,: ;..ruptcy dar-5 trrsa=rs Jndrr.. mEth,',rve first ;, kdlote run a,Ytta- ; - - or --it a Y,`. :­ ri elargi %C -arc eerie: ieudy, omos cc :a.t 0-4 "nE K'1 Bee 10 23 k,t Lave 3y, L. Flo U1ar2i35 and add it new vareacdonn and the periodic rr.etost charge on the previous days oa4nce, nher, e) sutti any BILLING RIGHTS SUMMARY (Does Not Apply to Small Business Accounts) p :ym r nil crxi'scrtha ;ea -ur, s c` that day. the rosult i< the dally balance :or a° se - g n' v".i, if you What To Do If You Think You Find A Mistake On Your Statement: L ru Dink there is an =.rrcr on Your paid r previous meth aahar;e Y fill drr , you: balarre ors zero a aedr.. aura re . —o s .rhth �sz Banta- . z r. a at to your purcease or epeaar purchasesegmaro5zne 17, added x(ne daily balarsee. Aso, trarsar., ra an, are subjetta: agrxe N - -rice xre cot�dded to tie daily balances. Capeal one Nerd, 0 Rrd Vicar AVootie Luiily .alms ddthe daily belonrxs tocetker for each =Cmi c d :.4. aau: qty I-•. arx 3 rp �t La z, ul &13C",2rib in rummer or dey. •the tl mg ;riz. `y ntth =ere of each hllirgrycle, we dz!ermirm your L•,teretCtw �o as feFOVS: p ruhipiy your AvEepe CadyPalance in your leper, giva us the follDw.rg I by c Ii,< . - rot (Aft d den ty 3o rIer segm r� 1 muh ov Be es f b,-, n �: cf Ga}z in A :xa r f alor. Your n m. ;m ;:aro nunber. b'.Ilr p ud lr - : :CC uduuina onus ,n lrre:E ani Vu.:.,:.uL...r m-y iuy fo na..sch re xliaa c , . Tfe cola am„un[c( the S,urceed e :ni actuahlyassessed. Ces:rtcdon of4 blem fya thic there rs urn error do yotrbil, c ersatz shat you believe is wrc•a and wity you How an my Vadable A nual Percentage Rate (APR) diange? Your A t m n J, . a ._av_d one "Eli ve a nrsbR2. cf the lD .rz:: per of :l Ur _r d i, Tire rt;y Senal ocmnni. To d xl add for your a c. curt, :ou rs a- Oi � VAd, I e c , dy a en;r ar;eara: cr y— c..em =,d. look•cra k,_: odecn the fcetofirfs sta.emer :recto your Al_'. lher, che,x the tabu? bEC,v. You must rally as a any ncterdial errors 11Vitro Y-u naY ail In er notify w eleamni, ally, but 11 you do adz are Cork next to your Haw do we calculate yourAPR(s)? Whenyour APR(S) rptrequlr pn .Kgra anyv.rfial Erors an: rou may tap to lay e- ar'�.,urt : cuE>Von. W?.,R nary you APRs) Index+ margin(prcwluusly disclosed to you) will change rv_:r rc wl :.n 33 - v fcl.r,.ceiF :;rY vcur le-e - . P pi Ram + margin - 'rn- fim>tdayof the tilling penods that while we invasdgaLe vrhethe, or not there has been an star, the Ic1lowhol are tnp: t mo.B'n Leos.i or-in erduci, ^,A[ %Il, holy. and rxt. We arr.ttryto caller e..marnu.: a '.0 sdo0, Of rcppr yD seal t�rtd.dat ?-curt lh. n ,g 1 -, -nn aloof you st to :: nr old v,a rnaycorbnu= cr qE tau interest or, that amount. C P•i eR.. ma•pr. in filieu aycfeach Q if ar doh mire tahve noadeamirale,iL WlI cot race to pay the a mount n queson or anyi-.ast brother F into, wlJEK•.. +nu71n romhirbilbnd perrcr .as retake V' tbatamount. Are there Additional Fees associated with my account) Yee, uni terra D c -: tances y - m V be ziseesse: a . 4Yhd., y ou do not hate v, av :ne ,noun; ,r quasnn CIO we send you a de afar. the autw•mz at purr Late or Itziumed Paymnt le, You miry ahs: be assessed Orerland fees d permltxd by low. We nesene ore right to nor in­ Tdad`, you are r=sppneiba far Me remainder of your balance. ass=s<nes wr":ert briar notice and widoua wafrnp curio: to a<�'s a elm ml,. haler, w = Can a,- lyar,y ur,p a _ai-s+r ur<rr. bml ?. How on t Avoid Membership fees? If a P r wal d a r n : e ;e fr t c _b era n rC m. pwid Woo. day ( roc t 01 Yo, vn m1 5endl Yp: a wili ma sop 'or - g Boer d,' ve ceue sC the p>ylo an enmal - emoershiti b y nrtael o Customer Somas m mgr ::h do after dalast our in the billin 2ir'+r(pap,Pa onto w nex;s:,Lurent) or the rea.ali beli,ra the rr .G yae c ere by this srh•rErt to Bare , that to close vu ao rn, lu , .,J pay re a monody emteishy, fee - n; A Cu `!E!Vll= a-yd ^e iv recc=� tmtt'we ;b your a.cart =u s.T ,all st�p a< s=ing Vow -ecNly Your Rights If You Are Dissatisfied With Your Credit Cab Purchases. If Du use dl vatted dt. it puti pr re_rrbe p W. - set ice t you If z fu a d Wn V arizi yon tore tried r. - id .are t e orojen wri i How t on l�l Mv�m? can ati(ut,merse V:� :an re tore�uesi 1,, wed sort nmt.A '�E merlin (+u aynv .Ss roll n +4 w.,,, a „arsn�.. aunt di- or The „,hose. feuse iFas right :tie than we 11 xio r any odd : rah op [ a u : des rr ludnc bola. pads, rn con c m=: s :dllewlrq must be tree. Pl= '. rate d:- tfyouseyour,,..dit ca... :. . echi u,.rp Piano your ,.c.aun..,?r vcu aek C>r,la et :re c.n keepy_ur ; CC rr"t taver-ed yc d.m purcn.aa . Olsol'as made v :7 . adv�, -f, A:M.v MlhI ucountdpen. - check that,ccesszs Y -ur ced,tiard acco•mt done: qualify; and What happens if my A—urn H u,speh We ma dwn y c'os- iresoer-_� you sccuht arE u dohcID 2i You roes nays; Save fully o= ?for the purchase. y fro otda:r dg Lt any ea.: t;any -po carry a r.. d -foul A, ,<uspenaa. an„arerm end �r ploy = tdl�fthz B..nnrove a zac Yuar_siL_ans'dv ✓rtr d =prra < =c „ct u. n.rrdlra at Your p o rrt dosed or u x red you must I mi using your aedit c fd and taunt r o II urioni tapYal O *e pryren deslreyal cectcard. a rd access cecics,and 4)pay all em ounts yor_w. us, everl,h.y :r :e cn,lsd ok,.,dLp$q attar de a< - was dosed or susperzed. SsR Lae 402 y,ut Howdol Make Pavmerit At-nytoEyou.ayoy'hs nlmu : ^p,pc:Em,r etta L ^paid taus ^re, or anyamount in beneen y^oro fa m -y be cod, in saw al way -. While we Ii !he same use loony to 1e disputed amdunt as discussed above. After we finish our H” Ile by gore C_v11ap=lon You pod logori lon r,.,,aunC '.r.:e 11 sionan. we ell you our ,.ciion.Ah- dru ;dw- hnicy. u ow: a.mdu., :re you a; hot paywe razonz vpice fiesamz 5y -bydi lr., -h haaM_hlidwirc n?wicE prp-.pb Yen yru rakea r=.cc,cya.sc-sll.: ;yell Prove paysnz.t mmugn o vpi a r=<Pon a sy m y c outb r¢e u D udale t n A H n tro Faym? ^tmad will y F[t) U e uppor� informaticr p• vac. cro[e¢ien: mE bur v. =berg at vnwr.capEahm.ram bed Nr fro. you[ aca: d- Lacmcii,.fuod5maybe rr[ . craurfrom your bark e,n >.ddrn the s„mea• :y we 420'i C.u3 al G :e.an..l)e <z'reralc :t. tlsea' ::ark Al: rghL<re<ened. S7 CaIIRy put (eepi romper 1 iXLYS55-7D?0 and providing your ineo-m,tron to our raaesentai AI Payu is by moil shmad be_ sent ad too mailing address porided cr Ih bodam podicn cf ?his sssment e •`-Ja "J. vI i Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ....................................... ............................... we process your payments smoothly: Home Phone .................. Q Don't staple or paper clip.your check to the payment slip. Alternate Phone ............................ • Be sure to use the payment envelope that came with your ................................ ............................... E -mail L'? statement. Using a different envelope could delay processing. Address ............................................................ ............................... • Please don't include any additional Correspondence. G • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes algae 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 Capita% Page 2 of Customer Service 1- $00.955 -7070 Jan. 03 - Feb. 02, 2012 31 Days in Billing Cycle www.capitalone.com Platinum MasterCard XXXX- XXXX -XXXX -7580 Credit Limit: 515,100.00 Available Credit: $139.95 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: 515,000. -- $14,960.05 $301.00 Feb 27, 2012 Available Credit for Cash Advances: $139.95 ' Previous Balance Payments and Credits fees and Interest Charged Transactions New B ala 514,994.14 — 5300.00 + 5152.01 + 5113.90 = l $14, 960.05 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year 50.00 Total Interest This Year 5301.79 I - - I i f f 1 f I I JOHN M MESAROS 1917 ROXBURY CT 200960 MECHANICSBURG, PA 17055 -7023 Date 12767 Use by 0413012012 68- 7270/2560 42885 -01 Pay the VOID order r of Dollars CapNa� For inquiries call 1. 800 -833 -6393 Richmond, VA Memo Signature. NPhle ihm.!;h Welh FaT %* NA. 11'1276711' 1:2 560 7 2 70 1r; With these checks, you'll pay... NO TRANSACTION FEES! The checks on this page let you use the available credit on your account anywhere that doesn't accept credit cards. Any way you use these checks, they come with your purchase rate —and NO TRANSACTION FEES. Here are just a few ideas for how to get the most out of your account with the attached checks: ✓ Balance transfers ✓ College tuition and books ✓ Wholesale clubs ./ Moving expenses ✓ Computer equipment ✓ .Car repairs ✓ Writing a check to yourself ✓ Family vacation ✓ New furniture and depositing it where you ✓ New appliances ✓ Medical bills bank for cash You have until 04/30/2012 to start saving with no transaction fees. Call us at 1 -800- 833 -6393 to transfer higher -rate balances over the phase, Or, log into your account today at capitalone.com /offers to see all voter available offers. Interest and Fee Information APR for Check Transactions You will be charged the APR for Purchases, currently 11.90 %. and Balance Transfers Fee None. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new on Check Transactions check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. 200960 JOHN M MESAROS 1 276$ 1917 ROXBURY CT MECHANICSBURG,PA 17055 -7023 Date 68- 7270/2560 Use by 04130/2012 42885 -01 Pay r the VOID order of Dollars Cap 11 For inquiries call 1 -800- 833 -6393 Richmond, VA Memo Signature ?""'No t' ^!Daub W21h Fz- 9.344, *44. its 1276811' 1:25E072701r: o a O z a to z O n a� O a < N To M m m M -s a = < O m m no a a O m p m O z 3 D > 9 o n O O T r y C) O N z on 1m a y m O 1 0 an C a = N m r n t z m Questions about these checks? Q. What can I use these checks for? Q: Can I use the enclosed checks to get cash? Q: Can Lavoid interest on new purchases after I A: You can use them for almost anything— whctbcrYou' A: Ofcoursa Simply write a. cheek to yoursclfand transfer a balance? need extra time to pay a bill, want to give a check as deposit it into your hank account Please be A: Once you transfer a balance with this offer, you will a gill, or just want to have cash on band. Another aware, depending on the check amount, your pay interest on any new purchases you make with way to use your checks is to consolidate debt from bank may "hold" your check temporarily to make your credit card unless you pay your entire balance non - Capiral Onem credit cards and loans. sure you have enough available credit to cover (including transferred balances) in full each month. the requested amount. Regardless, with this offer, please see your Customer Agreement for details on Q: What APR will apply when I use these checks? you'll ewer have to worry about paving high cash lutereo Chacgcs. A: These checks came with the same APR you pay for advance, fees. purchases you make wilt vnur credit card. Q. What is the difference between m_v "credit line" Q. If I transfer a balance from another lender, do I and my "available credit"? Qt Is them a transaction fee for using the still need to continue to pay that lender? A: four credit line is the maximum tunount Capital One unclosed checks? A: Yes. Until vour transferred balance posts to your will allow you to borrow on this account. Your A: Therc isn't. You won't pay any kind of Capital One account and appears on ytsar other available credit is voor credit line minus your transaction fee m use these checks to access lender's billing statement, it's important you nuke balance, if any. your Capital One account, at least die minimum payment to your other lender. This will en irre you avoid paving late and being Q: Where ace these checks accepted? Q: How long will it take for one of these checks to penalized with past due fees. A: These checks are accepted wherever you would use post to my account? your personal checks. They're a great way to "charge A: Checks can take 7 -14 business days to post to Q; What information do I need to transfer a balance it" tar places that don't accept credit rands. your Capital One account If you ie interested in online or over the phone? accepting this offer, but are concerned the checks A: You'll need to let us know the amount you want —In'( post to your account before he ofe expir s, to Transfer and the account number, name, and give us a call. payment address of the lender from whom you're transferring your balance. Important Information About This Offer • Please make sure the total or' your checks, transa fors, and fees does not exceed your available credit. We may ded'.ne to process your request for this cffer. If we do, we will notify you. You. request may be declined if: Your account is delinquent, overllmit, charged -off, or closed You have filed for bankiruptcy Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment A term of ycur account relevant to the offer (like credit line, APR, or your special transfer rate) has charged since we mailed the offer • L you have an aunt nzec use on your accojnt, the authorized user cannot request a transfer or use any checks. • $0 fraud liability claims are subject to vedficationand investigation. These Checks: • Are, treated as purchases and will post to your purchase segment. • Are subje , to the terms and amendments o` your Customer Agreement. °lease be aware that the section titled "Your Rights F You Are Dissatisfied With Your Credit Card Purchases" in the 61111g Rights Summary on the hack of your periodic statement drrs not apply to these :hocks. • Do not earn Rewards. • Ca.nrct be used as a payment on any Capital One account. • Cannot he cashed at a Capital One branch unless you have a deposit account with Capital One., N.A., which has suffident funds to cover the. amount of the cherk(s) in the event :he checks) is(are) n iumed unpaid. . All otter terms and conditions for your account remain in full force and effect. C 2011 Capital One. Capital One .'s a federally registered service mark. All rights reserved. o m o aO z m N z O a To G O a + a y om a m y a m O m < m m a� m o m p m O z 9 n D m n a o o �N z y 03 in z C O m O � T N to on r m 500766 A few bright ideas... _ ZZ ZZ Save when you transfer higher -rate balances to your account at your existing � purchase rate — plus, pay NO TRANSACTION FEES j Transfer balances from any lender, including: !? ✓ Credit Cards ✓ Personal Loans ✓ Installment Loans / \ ✓ Auto Loans ✓ Gas Cards ✓ Retail Store Cards Call us at 1 -800- 955 -7070 or go to capitalone.com /offers today! Page 1 of 3 Customer Service 1- 800 - 955.7070 Feb. 03 - Mar. 02, 2012 29 Days in Billing Cycle www.capitalone.com —.—.__._..._..__...._ ..... .__. ........ .. ...... .— .....__ MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Platinum MasterCard XXXX- XXXX -XXXX -7580 Payment Amount Each Period If No Approximate Time Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total Cost $15,044.79 $294.00 Mar 27, 2012 Minimum Payment 27 Years 529,334 $499 3 Years $17,963 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: 511,371 Cred'It Limit: 515,100.00 Cash Advance Credit Limit: $15,000.00 If you would like information about credit counseling services, call 1 -888- 326 -8055. Available Credit: $55.21 Available Credit for Cash Advances: 555.21 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, . ..... ....,,_,...... you may have to pay a late fee of up to 535.00 and your AM may be meased up to the Penalty APR of 29.40 %. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ;14,960:05 — l $3 0� + St78,$1 + 515,044.79 TRANSACTIONS 300026 PAYMENTS, CREDITS &ADJUSTMENTS FOR JOHN M MESAROS #7580 Always at your service... 1 29 FEB PAYMENT ($301.00) Pay your bill online and take advantage of TRANSACTIONS FOR JOHN M MESAROS #7580 these and other on- t -go services: 1 01 FEB RT 1S BEVERAGE EXPRESSDILLSBURGPA 5134.93 2 02 FEB GIANT 6120MECHANICSBURGPA $72.00 Capital One text messaging [ 1 Total Transactions This Period $206.93 Card replacement • Travel notification Log into www.capitalone.com to take FEES acvantage of these and other on- Lne -go services. 1 27 FEB PAST DUE FEE 535.00 Total Fees This Period $35.00 INTERESTCHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES $105.81 Your Annual Percentage Rate (APR) is the annual interest rate on your account. INTEREST CHARGE:CASH ADVANCES $38.00 Annual Percentage Balance Subject to Total Interest This Period $143.81 ( Type of Balance R ate (APR) Interest Rate Interest Charge Purchases 11.90% S11,191.95 I 5105.61 Cash Advances 11.90olo 54,019.38 $38.00 Transactions continue on page 2 � P,I,D,P Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 02 0000000301000294001 ea� Account Number.', . . Due Date New Balance Minimum Payment Amount Enclosed GO GREEN. Mar 27, 2012 E $15,044.79 $294:00 C= SAVE GREEN! PLEASE PAY AT LEAST Pa online THISAMOUNT y ne an save r money on stamps. Sign up at www.capitalone.com a0000s JOHN 11 NESAROS 1917 ROXBURY CT MECHANICSBURG, PA 17055 -7023 Capital One Bank (USA), N.A. •II'I'llllll" III' I' I' I' IIIII "I'IJI'II'Illllllll "11 Charlotte, 1 NC 3 28272 -1063 nlllp lu. uhl' lrllllnl "Ilnll "II'I'lll'll "III11111'INI Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Your account is more than just a pretty card. It also gives you two easy ways to transfer higher -rate balances to your Capital One- account at your existing purchase rate and pay NO TRANSACTION FEE'S A ' M Call us at l Go to 1 -800- 955 -7070 capitalone.com /offers 0: How on 1 Rvoid Pay r)_yi Interest Chames Ezch mint, To, pay your "rtew Balance' in full; you .11 ift, a When will you credit My Paymend mini: -um era, period o` 25 days wdh no in •reef chzrae on all raw Ii Fu•dtases, ?) balance ransfzs, 31 special cur online or ever ;he phase, as tithe business day we recen'? f s long as tit =y are sad= by5 [;_r. EI, porch :ses;"o, ast es, I— beer e fu tw� r_ your a!Y: un il irGts Fag :eppl =ca dye 'r -.;I �paYm..;4a =fd_wi ss o"we ..eiys it a.tongs 1 I t­ sard 2totG^mpo'tlpnr¢ its de not pay your ne# call n full, pora:ed n singes ";1. be -sse =c. 7 e , s ^.c. graee p cc on cosh ad a-:ces, sat; n.,.pE your <tx•,:e it., erl_ >,_ a. :r,�- -nee =.nsekpe w,d 2) ycu p., :e : seceiwd r: ere of om sxcial transfer, etch any new bamanan vhar, there is an ucptid balanus [;am. previous bill. poressing centers by5 p.o. iool lama Please allow a kart lP loudness days for mail delwiv. Milled payment New Is the Interest Charge applied? me e< clanger acv, born d 1 c to of Cite [tar, saCar, 2) dam ".t= reniv =d by us a; any c h I! talcs el is r 'erfarm may rapt W. cedfed as of cite day we'ecerte the, . nk cfp r is press c or a; fir" cclergur cay 1-h= odoG p: rec, rreree enure,, ­E c : e, , y zr ,d a- ^cunt Do you Process Paper Checks as an Electronic Furls Tmnster Paymerts Y. I nt prcces__a n an six c until it is pall o full. Ihis means you may owe mare cmrges e­ if you pay t'e mare New Bala, e' one tenth, -1,: When chec You Droved? a cteckor k !n o roil,, fmir'na, a oayme :ni, you a:rhorir user ox agents to use the but did not do so lot This aeoicus martin. Ur:paid intereschara =s are edaed I the proper segment of your Account Info noun to make a c;:e rme ACN transaction or other electron, fund t arefar from wur depcs�teccpunt. We may f,o—r, we resenm tta right to ut asses m :.r , _lime , rrc 5:me. al -o use ee r ,, ::alas : -.c .: ti yea': as a cFdk trarnaddcn. Do you assess a Minimum Interest Chame? Yes. A mini ?um INEERE51 CHARGE o; $0.50vd1 be assessed far each What H I file for eankruotria If you are er;tlded to banbupicy pre :ectlo., this commuometan is far inforrhadoo Billlnp pe iol your accountis ssiuectto an interestcharge, city. It is r:eian a- eept to callat assessor rec :cur debt gr Uoia. Do rut send us payriam, whhp speaking with How do yo ulculate the Interest Ch me Y; urn z neetbx call c Aw ac WIN Lnlan al rte n= r you ' b.rkr -tY n_ya h u : :v CC Ify : or yu a r :eym ld bl or ,i . ba_�..afr.y da,gs iran vane.Jndi; :' amelee, vre `nR.l.ubk Y)uf dal y be q:fifeoh Sao"? i, htau,aoe,i rg. bsa:cc ser>7cer e.dy, as -a ,a2 a,, zl0oe IOfbx.r0.3S xllavm _Yi.. ,Aldo 72 ?5 and add ir, new tansacders and ore periodic interest charge of the previous da• {s balance, 'Agn 2) subbact any BILLING RIGHTS SUMMARY (Does Alct Apply to Small Business Accounts) pey %e.ii and credits for that segrni r as cf that day. T e remit is der daily baiarr far eod: segment h!c—, if ycu What To Do If You Think You Find A Mistake On Your statement: !f y u thine there is an error as your paid your prenpuc mans - bat„ c in ful or if yaur balance was hero o• a croon shush, raga r_,:—hs which pee sv : n e to u> a_ to your purchase or special purchasa secmenis are not edded to the daily Wzncee. Also, traneaa!ons that are subject;c aor,re ad are rgt ad g edaly balaoae ryra10 , o R =#,to find y.,r A­ gs ,,oily dance' a dd n_c fly `'a sitter tcc11, •f ream Fail ^enta c_,[ia -su n. by � K 7F ' car gumxt of days In the 1,11hg cYcL= [Le' ry, L V, ls0-D2 ' Attha end of each b _71a, -de ermine your Ir Tm:Ktwme asollows: G mutiply Your Alverie Dilly Valance !nY +ur Jett=;, 9lve usth =icllowx�a ln`.ormttigr: b`1 ±he daily a=, c[cr.:H (Ma dro led by eC 'tatsr .:, and "y`, muh :plyd ealp oys.:,_.betofdays nne A :cpu rf_ :,:ro •lint n„m =am acaar`'rurber. billing period. RDrt: Due to rourdling or a mrncrum it =rest charge, this cakulatan may vaitffun the lnarascharge Dollarareurr iftdo4�r a,�u�mtof U :z suscened error. actually a<seesed. {bscnrzior• c(Pretam If ycu think tl»re Is an error w ygdr bill, loser @z •tfiatpu Sellew it wax and w §v you How can my Variable Annual Percentage Rate (APR) change? Your AIR may inset= or d'c =.;re bused ah pie believe vs a mntaka, cfth.olowlr ri.oaaadr in The 4ball 5maetmumN. TOie virinindexis put Bochum You rut contact us Won in cG days aite• one enor ax+earea or ,a, :.emrd. look fcfa le,Gr rode on the froraef the starement nento your AFfuA fbend:eck ma table below: Yau must r:ouf us v any nhl errors in vrn.'.ne, mo ma all as or notify us elea :nnically, but if vu do rF are Y Dax•� Yc Y Y Code next to your Now we calculate yomAPR(s)? whenyourAPR(s) r.a- ,a, r to r v ze;.ts oly •x;•ertral ano'a an; ycu may now to aay wine am cunt r ueslpr we wfl noify gas. APRs) left f margin(predously disclosed to you) will change rwjrra w'nr, 0days &cursi�, of youralr. Rime lY ^e t margr.• The firstdaycfthe ciling;erads that rut, "T inses,omw.`.eder or sitter has been an error, the follaw,g are me: t 3 morn J 3O! -t irwo, end in la-, Aptd, July. Gt. We rvr ottry, f..alae....m_m r,ru A", o•reppr` you as oaf :Daman tt at a-11. 0 Rr-e Rae r- swan The f •sdayef each lie ma:g it Ism . they ri aI. on you sc t= em aid vt nycwrbnue n - va you in s ter on wta curt. F I mri JEW. t ma ^in =.archly blfioc Xrrd- L>si if we dart mire thaws Midi , misaks, yo not F;tro2 to payde anaurttn gue.,i,ror any I: re e,t or ether Are them Additional Free associated with my account? Yes, under cerain dsumstances, ycu may be assesses a xWhile ycu do not haw to wy hie acr_.unt in quasi uril we send you a halite ear.. the outcome ci our Late or Returned Payment fee. You may also be assessed fY,adsm&faes if permiIIrd try lava We reserve the right to na imt_ieadon, you are resporuble to alb rmabder of goat bclar:ce. toss tie i....c:F Pricrapdce and wide t w_ s ru.,u tic: m assess a ur cur 12. la , . 4.e c r p -. h =y unp cur a. ?5 y u < Glimrt. How can l Avoid Membership Fees ?If Ren.wal Notice a ,M.a a., ire fm: c this stater n4 You M :.voi 4r'm oC days of our receipt as yo' v i letter," w.l send to a miftei route erpa- gOner dal ve carte ee the py!nga,""al"orriesmp fee by confaagOrsgmerSeece rompr_thL,a5d...,. after the last gay l ,ne bllby error f:o a war or- XuilexYC.r.nC er ite reasons we befva thou 116 cor vale c ire by this aL tint To r.e,ua. It. m ca e Lu• scum. is ­,d pati c a :aonU I} yr<hie f=ar, Your Rights It You Are Dissatisfied With Your Credit Card Purchases. if o i a -e diswbs ed ii line goods or u;nr Cu sMa ae:ti p Tait_ a 2[ u, , -s, ,u at - Your ,:..cun t , o re wi ll stp a _ r rg You ^.c: dig B r merous,rop fee. sestet Prat You If a pure:. a.ed whin you reds card, a < Yoe halm tried in geed tad 'p ca nett :`e problem with ire met inn, •mu -ay have tie rght •rc tc, xy .e r?maimriq - aunt due on p rdhav,. f us this right the Howw 1Llvse- My9remipt You ra^ c - [C�tmer v e .tits to ea- t [vet se ycu curls •slowing riistbe b :e. z^attne, srll any a]di r -al s_ >p to u :,]cs r luur - , e :. Fn emt c son :c m :i s Please note �ot fynu use You re. Ca gar�c•. huge: post to y_u c..our. ahar you us r. cL.e R.+ ?can keep Your ' "ou nest harewedy..,:_eor-d.ai`e puocas'.P- na - thada vv #,, a.h al—os -:aa a, AM Owvhz accountopen. a :ark that scceim; your rreddcard account do not gdalfY, and What hd ns N Arrn nM 1. < KT,,,so,n 1 You S c Y'. ...•4m fulll ca . for e p rc -<e ppe my 4Ye my r sipy zrt _.o you. ie -tWir edit :all eRh, .. re .. a.awa.. na, and Yuare -,;II adskd vrd. d.. ur" hase, cr . «a us r. w�rr :g z[ at anytme and for a-y raospn, am, n You a :e nut ih defauh A_.c., �, suspensic an be perms: art or t mpg a y F your eorcum is dosed an suspended you .- I', sip using your credit cord and account 2) cancel all aotcmae- taphpl One pay^ _­ 3: 911 destmy al! _at.curds and .e c .eee..ra A) pay ,11 amounte you cave us = e :. _ e _ ad tlax 9028'5 stet de aaouct was dcsedu s'soer vd. Sit Lake cur, Lit Brit ?:285 HowdoI Pavmont At any *,.we, You may pay in, minxnum gayre,t, the oil unpaid bilious, or any ancunt in between.I Ytnene maybe made ins , eml ways: Pha)e we K"5dcate, the same mLs apply to bite d6puted amount as discussed abosm, After we firel, our Ii Crf tY .o :rr_ra s,ww. :cur kba. c -. p. d loggnr_inro y.:ua, cunt in ts'i va- n 11211 you gu :eci3enJ -. - lw - a i ,f ii 'd ruco r-_tpayam ropy 211alephon V Systam bydiafng'�.9 955.7UNand foilcm;tna voice pna-pn., e, youmakea re— yo- sdeting'ent phone pzyment though our voKe response sysem,you autlnr!ze us to initiate on ACN or electi Dissent oat "All Qptal Ore surports nfona§gnp;ivan pob:ddce:<ee our y, =yqd at++vwmpitaL ream bedb2d 1, ye- b. ._cx:,: Ii,dF T,sy x n.<a.awnfrcmy<arbark zoou, e>— artie s,. m= oaywm a;0i1 Copal S :e.—!alOris ederal us . ed =an- rk. A!r.t6 reserver_ proc=,ss you- payment - I° - 31 Calling our ;diphone number I?ICVE55.7'00 and providing you hfo:matan to our aoiese tative; 41 PaIhii byoad shard b=_ cer;rie the ma :lma address l o:ideden the ndam mricr. of ir,ls SCatemen.. =Y3 „ pry I I Changing Address? Not quite ready to make payments online? Address ........... ..................... ........................... : ............................... No problem. Follow these simple steps to make sure ............................................................ ............................... we process your payments smoothly: Home Phone ............................................................ ............................... Q Don't staple or paper clip your check to the payment slip. • Alternate Phone ............................................................ .............................. Be sure to use the payment envelope that came with your E -mail 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 Capita; Page 2 of 3 Customer Service 1. 800.955 -7070 Feb. 03 - Mar. 02, 2012 29 Days in Billing Cycle www.capitalone.com _. ...__._— .. ...... .._........._.. �..-- .._._. .. Credit Limit: $15,100.00 Platinum MasterCard XXXX- XXXX -XXXX -7580 Available Credit: $55.21 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: $15,000.00 $15,044.79 $294.00 Mar 27, 2012 Available Credit for Cash Advances: $55.21 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $14,960.05 — S301.00 + $178.81 + $206.93 = $15,044.79 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $35.00 Total Interest This Year 5445.60 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 i i i i i i i i i i I { i i 1 } i ti I i j i i JOHN M MESAROS 200960 1917 ROXBURY CT 12769 MECHANICSBURG, PA 17055 -7023 Date Use by 0513112012 68- 7270/2560 42885 -01 Pay the VOID order r of Dollars For inquiries call 1- 800 -833 -6393 Richmond, VA Memo Signature. Payable firough WeR 1 a�go M.A. NA. tim 12769ol 1:25607 2?Oi1: With these checks, you'll pay... NO TRANSACTION FEES! The.checks on this page let you use the available credit on your account anywhere that doesn't accept credit cards. Any way you use these checks, they come with your purchase rate —and NO TRANSACTION FEES. F]ere arc just a few ideas for how to get the most our of your account with the attached checks: ✓ Balance transfers ✓ College tuition and books ✓ Wholesale clubs ✓ Moving expenses ✓ Computer equipment ✓ Car repairs ✓ Writing a check to yourself ✓ Family vacation ✓ New furniture and depositing it where you ✓ New appliances ✓ Medical bills bankforcash ........... . --- You have until 05/31/2012 to start saving with no transaction fees. Call us at 1- 800 -833 -6393 to transfer huller -rate balances over die phone. Or, log into your account today at capitalone.com /offers to see all pour available offers. Interest and Fee Information APR for Check Transactions You will be charged the APR for Purchases, currently 11.90 %. and Balance Transfers Fee None. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new on Check Transactions check transactions pasted to your Purchase segment provided you have paid your previous balance in full by the due date each month. 200960 JOHN M MESAROS 12770 1917 ROXBURY CT MECHANICSBURG, PA 170SS -7023 Date 68-7270/2560 42885 -01 Use by 0513112012 Pay r of the order VOID D Dollars CaPr�jO"i1C For inquiries call 1- 800 - 833 -6393 Richmond, VA Memo Signature Pa;,:hlc tb;o,eh'h�elh F, Az; * NA. , i l l 2??0n 1: 25607 2 e m :00 m Z m N Z O en yO A m M v m m N in = -s M I n < 0 TO Jim M m -s m co m D O Z 3 D D 9 a z ° `? a O D N r O z O U Z < 1 O Z C r M �2 N O a Z x O N N or r O * on Questions about these checks? Q. What can I use these checks for? Q: Can 1 use the enclosed checks to ger cash? Q: Can I avoid interest on new purchases after I A: You an use them for amuse :mything— whcdter you A: Of course Simply write a check to yourself and transfer a balance need extra time to pay a hill, wan' '" give a check as deposit it into your bank account. Please be A: Once you transfer a balance with this Offer, you will a gill, or just want to have cash on hand. Another aware, depending on the check amount, your pay iiucr�cr on any new purchases van make with Bray m use your checks is to consolidate debt from bank may "hold" your check temporarily to make your credit card unless you pay your entire balance non - Capital One' credit cards and loans. sure you have enough available credit to cover (including transkned balanc w) in frill each month. the requested mama.[. Regardlcsa, with this offer, Please see your Customer Agreement for derails on Q What APR will apply when I use these checks? you'll never have to worry about paying high Bash Imerot Charges. A: These checks come with the same APR you pay for advance fccs. purchases you make with your credit card. Q: What is the difference between my "credit line" Q: If I transfer a balance from another lender, do I and my " availahle credit"? Q I3 there a transaction fee for using the still need to continue to pay that lender? A: }par credit line is the maxim........nunt. Capital One enclosed checks? A: Yes. Until your transferred balance posts to your will allmv ,you to borrow on this account. Your A: There isn't - . YOU won`t pay any kind of Capital One account and appears on your other available credit is your credit line minus your transaction fee to use these checks to access lenders billing statement, it's important you make balance, if any. your Capital One account. at least the minimum payment to your other lender. I hrs will ensure you .Vold fraying late and being Q: Where are these checks accepted? Q How long will it take for one of these checks to penalized with past due fees. A: These checks are accepted wherever you would use post to my account? your personal checks. They're a great tray to 'charge A: Checks can take 7-14 business days to post to Q What information do I need to transfer a balance it' at places that don't accept credit: rrtrds. your Capital One account. If you re interested in online or over the phone? aceepring this offer, but are concerned the checks A: You'll need to let us know the amount you want won't, post to your account before the offer expires, to transfer and the account number, name, and give us x call. payment address of the lender from whom you're transferring your balance. Important Information About This Offer • Please make sure the total of your checks, trarsac:iors, and fees does not exceed your available credit. • We may decline to process your request for this offer. It we do, we will notify you. Your request may be declined if: Your account is delinquent, overlimit, charged -off, or dosed You have filed for bankrptcy Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment A term of your account relevant to the offer (like credit line, API, or your special transfer rate) has charged since we mailed the offer If you have an authorized user on your account, the authorized user carnot,request a transfer or use any checks, • $O fraud liability claims are subject to verification; and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subiect to the terms and amendments of you; Customer Agreement. ?lease• be aware that the section titled "Your Rights If You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks. • Do not earn Rewards. • Caarpt be used as a payment on any Capital Oree amount. • Cannct be cashed at a Capital One branch unless you have a deposit account with Capital One., N.A., which has sufficient funds tc cover the amount of the checks) in the event the checks), is(are) returned unpaid. : All other terms and conditions for your account rema'n in full force and effect. C 201 Cali tai One. Capital One is a federally registered se vice mark. All rights reserved. o m m M O Z m N 2 M m O O > M ~ a a m A m O = a O in m < M N X in m m co D O 2 3 D D v o 0 a O D N r O O O � Z M i r O in a 0 D Z S (n N N on r O tin \ ti, 500766 A few bright ideas... Save when you transfer higher -rate balances to your account at your existing �, T purchase rate — plus, pay NO TRANSACTION FEES Transfer balances from any lender, including: • Credit Cards ✓ Personal Loans ✓ Installment Loans / \ • Auto Loans ✓ Gas Cards ✓ Retail Store Cards Call us at 1- 800 - 955 -7070 or go to �•�,•/ capitalone.com /offers today! Page 1 of 2 —� Customer Service 1 -800. 955.7070 Mar. 03 - Apr. 02, 2012 31 Days in Billing Cycle www.capitalone.com — _.......-- ....-- ..._— ......_ -- ...... MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Platinum MasterCard XXXX - XXXX -XXXX -7580 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total cost $14,938.18 $301.00 Apr 27, 2012 Minimum Payment 27 Years $29103 $495 3 Years $17 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you payoff this balance in 3 years: 571,267 Credit Limit: St 5,100.00 Cash Advance Credit Limit: $15,000.00 If you would like information about credit counseling services, call 1 - 888 - 326 - 8055. Available Credit: $161.82 Available Credit for Cash Advances: S7 61.82 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, — you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40 %. Previous Balance Payments a Cr edits Fees and Interest Charged Transactions New Balance $15,044.79 — 5294.00 } $18739 H 50.00 = 514,938.18 TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOHN M MESAROS #7580 1 29 MAR PAYMENT ($294.00) F Ca it 7 ,_ ffie l FEES 1 27 MAR PAST DUE FEE 535.00 Total Fees This Period 535.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $111.80 300035 INTEREST CHARGE:CASH ADVANCES $40.59 Total Interest This Period 5152.39 TOTALS YEAR TO DATE I INTEREST CHARGE CALCULATION Total Fees This Year $70.00 Total Interest This Year $557.99 Your Annual Percentage Rate (APR) is the annual interest rate on your account. You were assessed a P ast due fee because your minimum payment yment was not received b 1 � Ty of Balance Annual Percentage Balance Subject to ? 1 Rate (APR) Interest Rate Interest Charge the due date. To avoid this fez in the future, •aye recommend that you allow at least 7 business days for your minimum payment to reach Capital One. Purchases 1 -9c-6 511,062.91 5111.80 Cash Advances 11.90°0 54,016.17 540.59 P,L,D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. t .100000294000301001 Caig I e- Account Number: Due Date New Balance Minimum Payment Amount Enclosed B E SAFE! 14,938.18 � ) Apr 27, 2012 $ $301.00 Your trash could be an identity thiefs . PLEASE PAY, AT LEAST ...111 gold. Manage your account online THIS AMOUNT and end the paper trail. t Sign up at www.capitalone.com 400009 JOHN M MESAROS 1917 R0XBURY CT MECHANi CSBURG, PA 17055 -7023 Capital One Bank (USA), N.A. I I I.r..I I I I III I Ir P.O. Box 71083 I'I' ' '!'I' II I "III III I'I III 1'11111 I "'I II III'1 Charlotte, NC 28272 -1083 n1111 1111 "Ilulr'll'I'lll'll "Illllhl'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Your account is more than just a pretty card. It also gives you two easy ways to transfer higher -rate balances to your Capital Ones account at your existing purchase rate and pay NO TRANSACTION FEES ® Call us at 1 Go to 1- 800 - 955 -7070 capitalone.com /offers 002 02 How an I Avgld vavino Interest charues EEO, mg ,*. you Day Your ^Ee'r Ulanc?' in full, you .I have E When will you Sredtt My Parrt rnt rdnirum grace P =erred a 25 days will no i,;'—eree charge on all new 1) pJrdwus, 2) balance aansfera 3) spedal tar of :re o•, over dtE ptcre, n of the business eat Ise receive . n krg as they ere made by 5 p.m. E 1. purchases erC6jetrerctsr9es. If you Lace been paying rurrcnmtr, full %"no ens charges a ?died aid you For rated Payments. as ofde buNressdaywi receive f: as lalg is: I) you send th" bomom po'uon o`iis do not pry your read bill h full, pmrred iriserest charges w!I to assaiaid. Irian is no grace period on cash advances. sexy >r, a- nd pr leis i,',he enclosed It r,?_- ,ce e;mkX aid 2) your pay. em is rcelwd fn one of our soidEl transfers, or ca arrewVwvanen Me,, tiler.. is an unpad boknce. lrom a pmvbA hill, praoeising cemen bySpr,.. kuN;: m?. Please T ha allow at liasl(nhess days for rail delivery. Walsall payments How is the Interest Chang¢ applkd) V,te:er, dangles a•crie from de I) dma of the trensaden. 2) date dh: 'ecewed byue etanymher location at in any osier fomr n, ywt be credited as of ere day" rece,w then. trersetthon is processed cr 3) firs; calendar dayof the blu g periled. htems( che,ees ataue an er y unpaid ­,cum Do you Process Paper checks ail an Electronic Funds Transfew Payments 0 be pmt sed h, ale o£ wm url at is pall m WL This rears you may ovR irtaner. charges even F you pay :`e er;ve'Nevr Balance' are rends ways: W^h,x you yield- a cJe1or creek info—lor. m rata a payrent Yvu a es a our agents s uoa the hen did notdo o bf I e pre,ious r.,orh. unpaid iraa,reTCtwta ?s are zdcaed to the pmpetsegmertof your Argun Inlprmrcn ta mart acne pine ACH trardacton or orsi efecco.,c toil trwa;ferfrom your dspcstoraur, We troy kkYRwr we reserve ire rigY, M m: essays Lreras ti,trges at gay trio. alsp use lobe ir£orrzUon w pr-.?r -the wrerc is a check varsadcn. Do you assess a Minimum Interest Charoe? Yes. A rirdm,Jm INTEREST CINRi,E o`50.50 rA7 be 0?e esaed fir eec.; What t 1 file for )apnkpr165y; r You are utded to lot*.ptcy pmteden, this ccmmurr aien Is for inscrrat»n blurg period pax accurt is sAe t to ai Irxmn c". only, it is rct an 4:2r „p; to W!lea, zssess or recow a debt or cvwr. Lb not send us parents hathor, sptekarg w1 b, Now do you calculate the Interest Chame? We we a method al"ed Avamce Dent Balantx (Including row your bonknreyaldrnsyorths Nntvp.yccu. Ifycu a adrr, ey vr,.uld l :k?acerzct cur bartrup ;v dlr•,z uanszmo,0•.U?dui`,ismed,4 wr Srnealculate your dadyyrlarce: for each se.3 n; 0.a'ctee big...- gbElxce senicer directly, lease Wntact Captel Ore•PO Box 30. Salt Lalr!7ry, UT fA 1310295 and add in new uw"aakrs and the pedoV. Irremst charge an Ire previous Eggs baw.a. than 2) subnaa any BILLING BIGHTS SUMMARY (Does Not App,• Small Business Accounts) payrers and aedFs lox that xcm.r as of that day ibe resuh I; to clay balinoe for each segment. Nos .i, F you What To Do If You Think You find A Mistake On Your Statement U pu drink there is inn E=rror on you Arid your pwo•A monch4 bakra infull(ci H your b6acce was zero ar a aedn are rrro, newiransa7mtts vtuch pas: r.>a5rentvrri;xnua; to You, cixdase u special purchase segma s are not edded cue dally baances. Also, transactions *.her are :Jbpatp r a graze perod are rnt added % the daisy baler ces. -a P Fl one Next, to find }cur Average Dar !•Bebrce: all the daily bablims together br awn "are:C, anE 21 dh•de the sum by P.O. Box 3"02x35 the ramber of dry:_In die bAlhg cycle. R Lake arty, UT 84I3CW2Li Atth- wdcfebd bRagqule, waftermire yomtr.XTA00rge tsfgyavrs: l) ruNp!ypw Ahr44. Casty[atone Ia pun le glee us the fcllowvc informrmn: by the daily pemdle two WMt drAded by 3C9'a, tire, segm?rL ard2)mah,ply to resJltby dre rutter of days h doe • AeWum)nlcrrpior< your ram; and eaourr. n-ber. b!!!Ag Gedod. NOTE: ELwto raining or a ma,irum insrr Charge, this calaA ,rte• may vTyftom. the Irons” cwe Dcyar areurrc ate dollar wtuntof de sueoac`ed error. aaullyassessed. (bsardcr 'f Pm`,'er: If you drink des I� en anew cn }car ttl( dem ;te visa: pu believe rs none bend vey pu How on my Variable. Annual Percentage Rate (APR) change? Yoat AP.c may lrrrease- er deaeara baud cc one bekew it Is a rdta'@. ,rt- fa11- ;gmacred In as(n,wred la nee W&I Smoot :damial•t.ToItrd Wr.kh index is used tgr your amcury You rua¢rtaa v vitidn 60 days aver tie error appeared or your satomem look kr a leeet code tar, the hart efthts stremem near yav AFlei.. Thend,eck dr. tatrb beknv. You radl ratty us o'any ooYrail ermrs vrtH.g vau may al,r tar entry u; eleeranical!Y, burl you da vR tar? code next to your IlmdowaalculateyourAPR(s)T When your Arrids) rat regArea to mwsbre ony po!?r�daa errors and you may haw to pay tae trcurt in question. We wM muff you APBs) Index + margin (ixevbusly disclosed to you) will change rl iftna within 3; days of cur rece v, of your P P,irx Rote +manor The ion day of de FAIR:;:Zrte that µrte ve hwslgee w':ether orr it,,m rus b=eenan error, de bkw+ng are or.: L 3mDruhucol-, m. rcln end initn., h'dl, ally, Er,d (JCL We wrot aytoc ollpL the m3jw, it gaesdol,ar repot you as deknouofd on det erourt D wire Race+mcram Thehrsldayofeach ' The charge mgwsion ray reralag ;, puns erxnt and vR rayantlrcueY charae youinar¢nco'atar„cur: r 1magiuBOBa rwmh rnrcdayd5nc paired. But if we detarmuttthct mad=. amirake, you w91 rot hose to pay de alUnt h gJesnn cis any hvm_ or et her e- retn er c lo that ourl. Am A there Addmgnai coos associated with my account? Yea wader certain dsc x umetas, you may be zssesse•! a 4 Wrlle you do ro t t taw wy doe emIXm: in quarol urt�l we send You a r-tce aSc doe outu me o` our Late or Itrumed Payrxnt lee. You may also be assessed Orrei n t tees d permit xc by Law. %ve reserve the doY v rc macs ioatron, }cu are responHb9lor d_= raainder of Your Wance. assisz :res vftm ut prier notice a'ld wilcut WalYAo our ream k attars a x :mi!ar fee Neer, • We car, arply try unpad a"=ra agl•s, your arlr.lin Now an l Avokf Membershlo Peef? If a Repalwal Notice is. iri?d cn we fort cf tits sarereY, m may =vole MYtin ?B dotetf ofnaiipt a:par I¢EPr, Yve YA�I send Ieu avadtE retire fp!alrL,g EfhEr da: wF Wtt¢Qeddle payer on anr.ual,mernbersrdp fee byconmdna cusorer Senica m mare then 45 days after d,e last day, h the bl0ng Er,'gr(to appear on ycur ner..s:.r?nonl cs ^e reasons vR birevz ;.h >. c0 dcersa q'.!e Wserei by Ids Sat'%rEnl D request U,et we close VW a a•Jm. To a:crd p3} +rC a =104- rxrbasadp fie=, Your'Ri Rights If You Am DhsaUsfied With Your Gedh Card Purchases. ll an ad Qrssrer se nice a•rydr a t raque� tat wa, do-. your ao and and vre wit sty assess rg yaw mo :,sly 9 You we dissa0'ied will Inc goods or rrrtsrs'rp fee, vrk,,,rw you t— pas ith sed w )cur aedi: cad, and you hare Ivied h goad ail, z oa:mi the problem with Now an I eo doe mercharr_ you may h. : the ogh nr t pay ta redw e ing an:urt di an doe pur:hase• lo use this ilgtt the CloSeNyAgrnllnD You can Wxa't Customer Grvxe yfrR tO regpe57£a[ YR Ckae Your JrgULb At IcilaWng must be true: that time,vre'll ExpLah any aidmonal ceps to aceourt closure, Icluditc mi payrlon icrrmatian end om =5n>s Plea , h) YOU rnst hne used yawnaxi, ;card.`or ;t¢purcrase. NChas¢<naiz wild.ashaivanrns ;ran errfM tar vA:ha se not=eZh o; B ICU C3 Vow aad'Actrd or dMlfgei panto Towaa.Dana£iermw RxR COn re=ap Y+'A Ueckdat ar[essxw crvd r e d itol . rich no•. Jt£fy, and zcountopen. ao :-+J q What happens if iry tar e„M r_ is e, dmfs Ne ray ticsi or suspard your account arw your r1l obtar credit YaJ rus;,,gtyr £err futy pad br the pur;tse. at arry•—,.e and f>r tryreason. even Fpu are main defart, ArALnt suSpeasson an be oemv.,artor t=r„ra t I`tk cfdre of acmeare netand you are rid saasfedvrth d,a purhas =_. Wntzttu wFir Your eo:ourt Is dosed or sustlended you mur: 1 amp wain? }our creed taw' and ecceunt 2) cancel ail tsvmaac izp'ral Or• payrrens, 3) destroy ll tract cares w4 a tress cef, and e} pay at trouts you gave us, even F. t"Y *:e charged p 0. Bon 3U2$r aft+rdemTuntwasdcse,lcrswaerd¢d. StIt La4e C U1 BAa �T.7<'F,5 Now do l Make Pawns nth At6n yt",yauraypeythemhrmunply. -er eebata!L dbe!orv-,oranyamcura ewree in bn. Parents maybe made in severlways: .. krwscoate, ibe sai lures apply m the dkpuead armunt as ukscut -d above. Alter we hr,sh our N Online ty gang t www.apfzlone.xr old kcoPr. h:a ycvr tap cunt Inwsdca0on. we vrR teA pu our MIFIC . ta that maim, l w? dhi•,k lW cure an amour, and pu do rr_I pay we ray 21 Talephore yoke response System by dial ISC0 ;55 -NN ardfolkwina Lie voice prcrpts. Wnen you makes retail punsdagnquent phone ra) mert through ou•wxe response rfer,you ourcorize us to i;.Gtlr? an ACal or eecaer,c Points. ttc4'All C'aptal Ore suppom informaAr advayFmredon : see our vRbste at vnwr.apaakvr.ron b dxSi:ed lrompus bnk ecaoun: funds ray be whhdrawnfmm par hart aanuntas soon as the some day we Q2011 Co{isl One. Cayal OneHtfedenPy roc "stayed nnlro nark Nlr�hts resonate pno:rss tar ioaYmen; -1 Ca0'ng ou tel- ftre member I.Tk- s55- 7D206.% praN9 ;,g pun h',annstbn o cur rEp - s=.rtE n; 41 Paymens bymd sioulc M yen; m the ma,knc,addness provicxi cn de boaor oorkn of 4,6 nrement ETC B i il3Cylt Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ............................................................ ............................... we process your payments smoothly: Home Phone ................ .......... ............................... ... ............................... ©�— • Don't staple or paper clip your check to the payment slip. Be sure to use the payment envelope that came with your Alternate Phone ............................................................ ............................... • 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. JOHN M MESAROS 1917 ROXBURY CT 200960 MECHANICSBURG, PA 17055 -7023 Date 12759 Use by 061 68-7270/2560 42885 -01 Pay the VOID order r of Dollars Captt 1 "e' for inquiries call 1- 800- 833 -6393 Richmond, VA Memo Signature ?aya6le fh:oc;h Wclls Fa7n flank. NA 11 i 27S90 1:2S907 2701e With these checks, you'll pay... NO TRANSACTION FEES! The checks on this page let you use the available credit on your account anywhere that doesn't accept credit cards. Any way you use these checks, they come with your purchase rate —and NO TRANSACTION :FEES. Here are just a few ideas for how to get the most out of your account with the attached checks: ✓ Balance transfers ✓ College tuition and books ✓ Wholesale clubs ✓ Moving expenses ✓ Computer equipment ✓ Car repairs ✓ Writing a check to yourself ✓ Family vacation ✓ New furniture and depositing it where you ✓ New appliances ✓ Medical bills bank for cash You have until 06/30/2012 to start saving with no transaction fees. Call us at 1- 800 -833 -6393 to transfer higher -rate balances over die phone. Or, log into your account today at capitalone.com /offers to see all your available offers. Interest and Fee Information APR for Check Transactions You will be charged the APR for Purchases, currently 11.90°/x. and Balance Transfers Fee None. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new on Check Transactions check transactions posted to your Purchase segment provided you.have paid your previous balance in full by the due date each month. JOHN M MESAROS 200960 1917 ROXBURY CT 12760 MECHANICSBURG,PA 17055 -7023 Date 68- 7270/2560 Use by 0613012012 42885 -01 Pay r of the order V O' D Dollars Capital For inquiries call 1 -800- 833 -6393 Richmond, VA Memo Signature 11'1276011• 1:2 5607 2 70 1 a M 0 m 0 z m C m o O m 0M m 9 y < 0 m m m M to M a m D m O Z 9 D D c D 01 TO > m 0 M z m - m D y z r c 0 0 O y D Z = to to m r 0 * Questions about these checks? Q. What can 1 use these checks for? Q Can I use the enclosed checks to get cash? Q: Can I avoid interest on new purchases after I A: You an use their) their) for almt anything— whether you A: Ofcourse, Simply write a.ches:k to yourselfand transfer a balance need extra time to pay a bill, want to give a check as deposit it in,(, your bank account, please be A: Once you transfer a balance with this offer. you will a gifi, or just want to have cash on hand. Another aware, depending on the chrck amount, your pay interest on any new purchases you make. with way to use your checks is to consolidate debt from bank may "hold" your check temporarily to mace your credit card unless you pay your entire balance non•Capiral One'" credit cards and loans. sure you have enough mailable credit to cover (including rransferred balanc y) in full each month. the requested amount. Regardless, with this offer, please see your Customer Agreement for details on Q What APR will apply when I use these checks? you'll never have to worry about paying high cash Interest Charge,. A: These checks come with the same APR you pay for advance, fees. purchases you make with your credit r card. Q: What is the difference betwoen my "credit line" Q If I transfer a balance from another lender, do I and my "available credit'? Q Is there a transaction fee for using the still need to continue to pay that lender? A: Your credit line is the max]nnm] anu Capital Onc enclosed checks? A: Yes. Until your transferred balance posts to your will alloy you to hot row on this accout]r. Your A:7 - heir. isn't. You won't pay any kind of Capital One account and appears on your other available credit is your credit line minus your transaction (cc to use these checks to access lenders billing statement, its important you make balance, if any. your Capital One account• at least the minimum payment to your other lender. This will ensure you avoid paying, late and being Q: Where are these checks accepted? Q: How long will it take for one of these checks to penalized with past clue fees. A: These cheeks are accepted wherever you would use Post to my account? your personal checks. They'rc a gecar way to 'charge A: Checks can take 7 -14 business days to post to Q. What information do I need to transfer a balance it" it places that don't accept credit cards. your Capital One account. If you're interested in online or over the phone? accepting this offer, but are concerned the checks A: You'll need to let us know the amount you want won't post to your account before the oflerexpires, to transfer and the account nu n ier, name, and give us a call• payment address of the lender from whom you're transferring your balance. Important Information About This Offer • Please make sure the total of your checks, trari5actiors, and fees does not exceed your available credit. • We may decline to process your request for this offer. If we do, we will notify you. Your request may be declined it: Your account's delinquent, overfmit, itharged -off, or dosed You have filed for bankruptcy Your card has been reported lost or stolen, or our fraud system prevents the offer fulfillment A term at your account .relevant to the offer pike "edit line, APR, or your special transfer rate) has charged since we mailed the offer • If you have an authorized user on your account, the authorized user cannot request a transfer or use any checks. • SO fraud liability claims are subiect to verification and investigation. These Checks: • Are treated as piuchases and will post to your Purchase. segment. • Are subject to the terms and amendments of your Customer Agreement. ?lease be aware that the section tutee "Your Rights tf You Are Dissatisfied With Your Credit Card Purchases" in the Billing Rights Summary on the back of your periodic statement does not apply to these checks, • Do not earn Rewards. • Cannot be used as a payment on any Capital Or:e account. • Cannot be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has suffident funds to cover the amount of the cherk(s) in the event the checks; is(are) returned unpaid. All other terms and conditions for your account remain in full force and effect. G 201' Capital 0 ^e. Capital One !s a federally registered service mark. All rights reserved. a m n 77 O z m m 2 O ro mo 0 M y 7] m ma m N m = D o m m m p 1 X1 m m D m n n v D o p o D n r o Z 2 o < 1 m z 1 Z C o o v O � rn Z y m u m r n m 500766 A few bright ideas... n/ Save when you transfer higher -rate balances to your account at your existing� purchase rate — plus, pay NO TRANSACTION FEES (, Transfer balances from any lender, including: / ✓ Credit Cards ✓ Personal Loans ✓ Installment Loans / \ ✓ Auto Loans ✓ Gas Cards ✓ Retail Store Cards I, Call us at 1- 800 - 955 -7070 or go to capitalone.com /offers today! Page t of 1 — � Customer Service 1. 800 - 955.7070 Apr, 03 - May. 02, 2012 30 Days to Billing Cycle www.capitalone.com - - -•— - - - - -- - - - - -- —._ MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Platinum MasterCard X)(XX- XXXX -XXXX -7580 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional charges Are Made Statement Balance Total Cost $14,876,03 $294.00 May 27, 2012 Minimum Payment 27 Years 528,993 $493 3 Years $17,762 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: 511,231 Credit Limit: 515,100.00 Cash Advance Credit Limit: $15,000.00 If you would like information about credit counseling services, call 1- 888 -326 -8055. Available Credit: $223.97 Available Credit for Cash Advances: 5223.97 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to 535.00 and your APRs may be increased up to the Penalty APR of 29.40%. Previous Balance Payments a C redits Fees and Interest Charged Transactions New Balance $14,938.18 — $301.00 + $145.86 + 592.99 = 514,876.03 TRANSACTIONS 300026 PAYMENTS, CREDITS & ADJUSTMENTS FOR JOHN M MESAROS #7580 Always at your service... 1 18APR PAYMENT ($301.00) Pay your bill online and take advantage of TRANSACTIONS FOR JOHN M MESAROS #7580 these and other on4he -go services: 1 02 APR MACY'S EAST 7t0198HARRISBURGPA 549.99 Capital One text mess aging+�� r 2 29 APR HILTON BALTIMORE PARMBALTIMOREMD 543.00 10- Total Transactions This Period $92.99 Card replacement • Travel notification Log into www.capitalone.com to take FEES advantage of these and other on -t a -go services. Total Fees This Period $0.00 INTERESTCHARGED INTEREST CHARGETURCHASES 5106.70 INTEREST CHARGE CALCULATION INTEREST CHARGE:CASH ADVANCES $39.16 Your Annual Percentage Rate (APR) is the annual interest rate on your account Total Interest This Period 5145.86 Annual Percentage Balance Subject to Type of Balance TOTALS YEAR TO DATE Rate (APR Interest Bate Interest Charge Total Fees This Year $70.00 Purchases I1.gx. 510,910.26 $106.70 Total Interest This Year $743.85 Cash Advances 11.90% 54,003.91 $39.16 P,I,D,F Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 02 0000000301000294001 Cag Account Numbera Due Date New Balance Minimum Payment Amount Enclosed May 27, 2012 $14,876,03 $294.00 GO PAPERLESS! PLEASE PAY AT LEAST The trees will thank you. THIS AMOUNT Sign up at www.capitalone.com 4000to JOHN M MESAROS 1917 ROXBURY CT MECHANICSBURG, PA 17055 -7023 Capital One Bank (USA), N.A. 1 11, 1 1 r 1 1r 1 1 1 I 1 1III I.IIIP- III '1 - 11 - 1 111111. 1 1 1 11 1 Charlotte, -1083 nlllp' IUr' nhl' h' Illlnl "IIn "II' Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Your account is more than just a pretty card. It also gives you two easy ways to transfer higher-rate balances to your Capital Ones' account at your existing purchase rate and pay NO TRANSACTION FEES. ® Call us at Go to 1-800-955-7070 0 capitalone.com/offers Now can in h4l, Y "If h"dr, a 'when will You Cmd1l; My Payment yew1 I - I-ce UD iniflors, 3! e I a I � For 0 1ITai o 0 n .1 1e phon e, oflIe bl­ day we ocenie r, as t,1- as mare na p.nIs' s Zrad 4) ct'ner ci­,D­ If you ha v De Fay, your 1XI-lunt in full y0th ', * 5, mter�r lhalq p .m. r I do no' pay your raid bill in full, Vo•aso interest chow . ?5 DiDjoied Z,d you For Ziled payments a, f te business toy - ereilnel it, as long as I) YZu tend 1�o tcft�m porro, c4tis sail tart( ;,c "Y'nic `l .11 be L551-a In— is nci giace Pancb a, bD`h advance;, pt I�eck I,,, l�hi ll ii-r7lroe enyelone, a'd 2) r" ban." I, liolityid I,, One of sNmr un o. wher, ln�v� I a,.. _�Padl flox biz: bna,�_esinq barrels by " P... f.Dl tru. cb- at I all � r, tuliness days m; l deliey. kn1ified o3amn,,.ts How Is the Interest Charge appilecr, Inteec. ch,m,l; Z,:we from the ) 6�e of the uola�ctcr, 2) daDe ',he ra ol byu�ataqothc, ocadon 0, in caditsilae r V roebtion is pribbesse 0 me day we "e"o (I.' or 31 rr!r _dZr d ay of 1 h, pericc. Interest , cr * ­ . -, P. .. ­iount uld 1 1 plain Wi, W, creiri You ­y c Do you Process Paper thrifts as an jE12dronk Fund, Transfer, ,:11 0 pre P` I, c,o a' b- 'o " o 'f Ine - �,i. 3alince r q inth, woy�: Wil e yau ofnif or c hexcr cr"k!,f:i,.TrIQri Do rnaQ a oayrne, yiu a'drolze !-, b! ou Ure the �Tza oe , segmerr your Account inform or oo talks a Germ. b.iacrd not d . fr r 'V4 pr8tvio L, M01c.N. U, J ints r i a X s a 'd, "bl'i I ec"ase r, Y� naerw the right Do not assess, in:.e or, rnr,erqes a: any tire, ACH mnaob�_n or done, alicuo,ic "u'd transfer fro, yc'u, We may also use Its it" don 1 0 Vrbqs the pay as a check qarsarcikr�. Do You assess a Minimum Interest Change? ysl. A rnn-urn NERCiii Ffy of pD.5,j ..I be Z5=; =.d - or socr What if I file for flanknifitSy ff yaJ "to altllid tL barbuzz'v lim-ocir, this commv,,catron is ;cj mr—star, bill", fill r-ur aiCrurt I$ SJget Do an charZIe, col not Dr, ateirript ta oc!lact. aliess D' feiiVira' 1 debt cr ciolnr N lat,end us par ent, soreakerg 11" do �al_c�42 . the (meres , % -itto ­,z., y ar l iuon v C ci. ,, If a , c wi "t h In crulu Is 'ese a method bil:ed Nyrl Da ly ReW,to ti cal. y CC your b, 3 z, ne. Lld hlio -nW l d 'a 'a rr, ;� Y; 't TyL Y 01 'Yb� tin0e; � el) ;eq Il� I. berol . -,A.r irooly, rairaii crarc D F I 30?3 Sli t 1.1 loy. J ' Pl 13' o2 f no add in low ons and he 'Pith )' airest c, "h �rca an d­,e peybj5 d4ys " ence, '­i- 2r 4 ubtrD,L arry BILLING RIGHTS SUMMARY (Does Not Apptl to Small BuVnesa Accounts) - I - asidtin3t d5y. ]he re.suft IF the dZily batar,e .a ch grre.". loayCwI. r Y01 What To Do If You Think You Find A liffetal. On Your Statement : You think -live is an e•t on your culo, calls: sae �-7`!_,,rtra t u at tc yZ, o"i'aria " 'Xia. : "cInZie Y; zifeed Do the daily WD—, Also, Van,5crnns that am aublocI % _ a qroc.e Period one rcit idde T be tro da"Y Capit al O,e Nort. u find Your Ailorqs Daily Baiar.oE: Il add the daily balances seethe T for each se.9-rent, a .c rums t he , s by ' P.O. Sc am s 7:5 in the "un mdayri- te bIr19crJb. -1 tLeine City, CI WlIK—S, Aialle endofeech affogcycle, mcezenine Your I'lloarest' bskiii,ye: I) r^ul iply your Mn•a Dart, Palace rmoprc ins by t daily penrod. rate W-il dnAded by nC far ther segmsn' ano 2 hn.il It o5l - try t urbe cfd.,- in the Aic-0 rrfbrrden Your n a antl c-se, ur* baiculasor, may rnorge bbil—,jrit tf yea thine there !-a, error on your till, doscfte VilettIoutellew is h1org and Now can my Variable Annual Percentage Rate (APR) change? Yoj"VIlk may increase orde-.reass Cased on one believe it rat mis., ofthe the AlZill5ineetlaumall. foie :, finders sed'cr your ,scum, ydurn see :.u,t L =vac neL Cay <re- - i, er :;,. aa; =orf cr ,+, : sk<Pmeat. itil Y l 'Din ZrY11rXiRIai,, 1­1111 dl�& if i to or' ba­� You must not fy as V Din Po•entiol ena, in bi,rQ you may col I . a r notify,,s elerbrol-bely, but if You do are your Now ad t co m to "? WhemyourAPR(s) nor re q xned - ,a "res:91a any x amaiaf error$ and YDu may have L Pay ans " *um in c 'esd"'. t" 11 notify yo u APRs) Ind. margin (proviously disclosed to you) will change I. W wit, r '0 days four cen W.. r-I -a 3 Prime Pete merge. T fin 'st A ffol' the billing •ero1i that wthle - f',rasog,to mr,dh af " "I -.rare rcs been the [zlIcyri,q are 'huROR I r, Z.,i, end r, 1 4 n., Acids, July, a nor Oct. We carrot try to rofia line amric in d ' uoi, a" report you as crelf rc ont -n t rL I ai m D Th 6 fir- I c a V ef e tch !,he ar :9s e Y t mcirrhlylallirm xr-- ia a rlunt I., quel.ran c, any inremat on the, 1 - 1 Irlinnh But if 1 dete'nine, lnt .- )d a rrri�z a, you .1 ,,t h,,, t p ries lelamd to that braculm" Are them Additional Fee associated with my accoum ? yes, uidi -r.ail dicl-aonr.es, You may fb E; sat sYrd- rL & not t; y t, Pay " a-lurc r qjeeron L.ntl rn you rc abet. the emcme of our 'no u may also !)a assessed 0 tril fees I aernmrnoc by law. We re— ne Ine re5otrins be if r balance, Z, mis tees mire at prior notice aid viracut: vralinfig bur uQn.f Do D I nlil" fee We, gh't tic, -rill0tiorl, YCL -I fOff iare�nlainderofrx IlowcanlAvoldillemberelig Fee we c a n e "- vAll s sW= o ly D unilauDIcuitaoals' run crecib limit oI1cnbe 1Dr fe e oil 0 ga y c Al s , a -ff-- cf,2 per oar 'i ocre,�-d thi, 9 C"DaslIr ;P.'A. More Man fi bllag - y f l zhj yi cy: e coi—I by this error Ito o3y.arcl VDL1r reasons ine tailevene bil 5ccuilin. panne t Cu, X a st4bilent so le.il diat - clo3a your D.id payno a rinc iittly ­ nnlborshi ' .me: Seryce anylir 1 4 ropuen 1W we "lose ybu 'le tp > e 'ca asss mdft Card Purchases. if Yo a u , risailog' d wth tt bloo ay Da :.;I� Your Rights If YOU Am Dissatisfied With Your C ­A.s - IiAt yo , have p , c. ") c;, &nb Y) , N trad in gcbr; land. to -.1 *hc bablim How can I you (a, oil Customer m ,nnce vvrm use this r to mildest 1!lat We c pi e Your � orlr rt. A' ; in! cnerctrax. you ray h -he Ctt.lic t: pay the faroming amount due on !�.o ojrcJhase. r, qllt� one y In any addiorcral ceps to account do u., nid�j ding bal , ce pay �, o m . I ,, r U a I awhbi rID51 be Blue: Ina le, we'll EVID is 'I Phase "j, - ,t if yc, — your -rZmes post sci ybc �­_ Zito , You 4�� Ls n cl o�e hL we cZrr I— Your 'i . - Za J you -,st fa�t used lc, bied'. 1 car " ` Nh It I# -llil Diftlelze- on A W c� will, ocount, h?:k ta: Zcaesariz you, cricil r:ad a. "t do a� 0 airy, and What happens If my Account he "eiiiii We may cicso ar - zoand yi lorlium and yourrighno obtaIn ,ad,t at any a 21 YOU ncT yel mill fully p1d for me p-Ilese. I.Tr a Ir! fa 7 an a 11 Of The "re abolie D �e rr a nd Y, j r a st �itn. d .y1h,,,, ol nir&rt L s .�b, a a t y reason, even D You 1,ne rat in defoll, A=dni susperstir tern s bemn c, onipo 1; rzr oda�d y- a=unt is J>ed or _ sparbadl you mus! if sacp using, y-• sect ca:- and .,bcurnt D II a.smaw pital One paV eic 3 de s i stroy all c ct aids ar re ccl acce ss &e­ ,and 4 latyal amo IL j o ,, cs d a ' eiiai, , 'I',- ale Yo F.O. W, 30 ` i? ' ra y LT W. I How do I Make Paymer At any you: -ay p line mlinsm- P ",.a t3ta' unoilc WonZa, OT any. cu t in be•ol Payinent may too mole in sor I way Vylil, iore h—ticale, "cle same ales amfy ic the dSfrue2d am-unt as di­�.d ab—. After we finish our b a , l l b l - , D m r l and Io9g,1C !,to ya,r D=unt i "asigall I ' M 'Alloell You o u r s el',llor. At tral pchr�.. If we mirk you owe a zr i ,,d y o u n i t pay �l, may ys ydi6fi�c a e,-, IF yo, I ne pa_rt ad c mra,q; vori. r> Pen Po'se errill, Yul &IJI usto Ii'more an! CH fect el payme'l oaf w I Q, I Q,,, uPfcra .rf.mn;1d1,1 PH'acy pable,"on: see our rnglone etvnm.� be I P`)ce"YZ11P`rymi1t; 2011 codi'll (Ina- Ca, al Dre Is D federal Vr`l.c:_zn:ad 5-ibe mark Al',Iahts neiiehad, 4) I'Dym e. cis by mal sea i ti to a-..-,- ins mali access proAdel th: a rlO m port m's I of inh is stot. anent. C TC-08 Changing Address? Not quite ready to make payments online? Address ............... . ................... . ..................................................... No problem. Follow these simple steps to make sure ............................. .......................... I ............ we process your payments smoothl Home Phone .......... ..................................................... 19 .......................... - 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 ..................................................................... ..................... - Please don't include any additional Correspondence. Please print address or phone number changes above using blue or black ink, - Last but not least, be sure to write your 1 6 -digit account number on your check. �.� 500766 A few bright ideas... f Save when you transfer higher -rate balances to your account at your existing purchase rate —plus, pay NO TRANSACTION FEES Transfer balances from any lender, including: i ✓ Credit Cards ✓ Personal Loans ✓ Installment Loans \ ✓ Auto Loans ✓ Gas Cards ✓ Retail Store Cards Call us at 1- 800 - 955 -7070 or go to capitalone -com /offers today! Page 1 of 3 — Customer Service t- 800 - 955.7070 May. 03 - Jun. 02, 2012 31 Days in Billing Cycle 1 www.capitalone.com MINIMUM PAYMENT WARNING: If you make onlythe minimum payment each period, you Platinum MasterCard will pay more in interest and it will take you longer to pay off your balance. For example: XXXX- XXXX -XXXX -7580 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total Cost $14,814.83 $298.00 Jun 27, 2012 Minimum Payment 27 Years $28866 5491 3 Years $17 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years; $11,177 Credit Limit: 515,100.00 Cash Advance Credit Limit: $15,000.00 If you would like information about credit counseling services, call 1- 888.326 -8055. Available Credit: $285.17 Available Credit for Cash Advances: 5285.17 LATE PAYMENT WARNING: If we do not receive your minimum payment by yourdue date, -- ----- _ _.. you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 514,876.03 — 52�94.Op t f150.80 + $82.00 0 _ 51481483 Renewal Notice - Both sides of this page provide important information about your rate(s) and how your interest charge is calculated. YOU ARE HERE. TRANSACTIONS \\ v WE ARE T00. PAYMENTS, CREDITS & ADJUSTMENTS FOR JOHN M MESAROS #7580 \ Check your balance directly from your 1 23 MAY PAYMENT (5244.00) I \ phone and: TRANSACTIONS FOR JOHN M MESAROS #7580 } ► View recent transactions 1 05 MAY GIANT 6120MECHANICSBURGPA $82.00 I \, �' ► Pay your Capital One bill ► ► Total Transactions This Period $82.00 -� C ^eck your rewards balance Go to m.capita lone. cam on your mob I@ device and manage your account at the speed of you. 300029 FEES Total Fees This Period $0.00 4 INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES S110.28 Your Annual Percentage Rate (APR) is the annual interest rate on your account. INTEREST CHARGE:CASHADVANCES $40.52 Type of Balance Annual Percentage Balance Subject to Total Interest This Period 5150.80 ! Rate (APR) Interest Rate Interest Charge Purchases 11_90°/. 510,912.05 I 5110.28 Cash Advances I 1L90°o 54,009.55 $40.52 Transactions continue on page 2 i P,L D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVWJ.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 0000000294000298006 CA g- _ Account Number: Due Date New Balance Minimum Payment Amount Enaosao ORGANIZATION Jun 27, z012 $14,814.83 $zgs.00 (:= MADE EASY. PLEASE PAY AT LEAST Forget the filing. THISAMOUNT Manage your account online and simplify your life. Sign up at www.capitalone.com 400011 JOHN M MESAROS 3917 R0XBURY CT MECHANICSBURG, PA 37055 -7023 Capital one Bank (USA), N -A• I'll' I 1 ' I Il '1 It 111,1111 Charlotte 71 NC 3 28272 -1083 n II I nhhh' llllnlr 'llnh "11'I'lll'Ih'llhlhl'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Your account is more than just a pretty card. It also gives you two easy ways to transfer higher -rate balances to your Capital One'v account at your existing purchase rate and pay NO TRANSACTION FIFES A M MEW Cali us at j Go to 1 -800 -955 -7070 capitalone.com /offers 00: 02 How can I Avoid Paying Interest Charl L?ch meat: 1cu ,xy your "Hew Balanc *.' in full, you will hove a When will you Sredtt My yaymem' minimum grace period of 25 dogs saifh no IntereH charge on all new ti pu'drases, 1) balance uansfars, 31 special For online arowr the phone, as of the bosln2ss day we receive f, as for as they are rode by 5 p. T. prod se nd 4) other ca.oes haze been paying your arm,nun ful 'yiu•n_n4rs5t bq,, aid Wu c,ik: paymers,rs.(M_wI :_<cay Yxr.nor a_Lng s.',y ;u se.: .::e bosom pp Urn titiis deno pay your ­1 bill in full,..a - ar nxreet ice 1; n.ad.T ^c gracecdoc ann advacee. s-cen: crd yo -bacet me - -loses, m�. : envekpe, a'd 2) you, pa, mir2cehad inc:e of cur spfoai UZmfars. cr or, carry resv :arctic er gyro i`ererce t ,p,d nc =fo -s pre'JO.i bll. ortI canters by5tm. kcal tine s'1. e .IownL =cst (%, tu<n =ssd 's •cl nail delivery. Mailed pzyme-s How Is the Interest Charge applied? Interest charges ao:ve from the 1) doce of the Irarsad -, 2) data Lhe received byusatanyotner b:adcn a, In am Cn1I;orn•rayrttbeaeditedas of lie daywarece+e their. n ­&cter, is ft :2c c 3'. f- 12ce day f :n :ice F= Ice - -.e-e' h ce a .le c e a ;r pa a.. runt Do you Process Paper Checks as an Electronic Funds Transfer °aym=nts well . Frece e r c,-- a t- Untl ris pz: r. ful his means you I rata w a.e t dn rce ev r is you pry ,i`e R.ew Bel: rice' are -c -th, wayi: When you mood? a checkor c^xk Irf r;ac to r l pay, n5 }cu a'.rho: z n m ou uq r usr the I" did .1.1 d .r "m e: aces month. unpod intere.st cf a s Are _tided re Its roper se.gnert of Fur Aocoum informanor to make a one vine Atli trorso - r of o. Fr el ,'cod transfe re your dep:stac,xu? We may Ibwerer, we rese've tfe ism to not assess r .S :�aKe a any J". also use it i.i : ;aUdn u sthe paym rasa cMdc transtckr. Oo you assess a Minimum Interest Chase? `res. A mchi.: m diCRCST CHAti `31.50 vn biz asiz :>ai'er each What H I Hle Tor R k otev 7lf y�v are e,r :tl_d to ,.;aF a .y prcecticr�, 'i, cent a :zr< •c mfcr-atipn b JGng period Your scount is sut ect C: an Ur, -rest dwrx, only, It Is . at an anenp[ to oorec assess r rexuer a debt or calm. trc not send us payments wRhour so wn"'.. Now do you Calculate the Interest Chanter+ W. use a m -the; alizc Arai :ce Dail H;I n. ;rJ dine new vaorb rkc„tcya,- ._•neyc n . '.vuyv . :. If yrou or u alarrey4ruld I be r, c c :rvtn, lb kruphydai-5 Jnd,. =:.Ism d: ', we `ust..L ul..te ytv cd , :y,e.. re, 'o eo:h sag me e begin, re w5rcoe seracar c:rdy paean cc : at `3m%I pre • PO Bee 70 28 a,t LA; ''Jy. U' ,4Wc )2E5 . aria r w va rsamc,5 6nd ine periodic Interest charge on the pr vI is dqi eel nce ' me, 211 subb a n any BILLING RIGHTS SUMMARY (Does Not Apply to Small Business Accounts) Paymne msend cedl for thatie as c t t Jay. The Tesitr r the dally b x f ar ea 5 e7 n ": r, Ir ICU What To Oo If You Think You Find A Mistake On Your Statement Ir you Hnc ?mere is an =_m:r on yo r paid y - u p.edpu. mcrtc_bal„rv..., :r ful <uyou. :..kr, v_s zeo�ra ccedr.. �iti „resvr, sa i;n�.r�id pc- cote. -: :.', -.ice r, t._at: to Your purclosee or spacla1 purchase segmeme are not added V the dally balances. Aho, bansacfnra that are subject to a graze p�ricd are rot added m rte daily balances. Cv`Phal pre Nett fi dyeu 1.eraq Dar, dal Yom :: add.h. uaiIy ,odetFrfe , ,a c d : I�. :n a svrn b• icy Ye `.te num l or d;V In the billing y`Le. <..tLYu ityiulh J3Cr„^2t9 N meeMtf each billlrrq rycH, wed: :Pmirre your ursret Charge as follows'. G muhiply your AV% race r3dy Balance In your letter, gl'2 us the',1Iow:ro lnformarcn: by :he emir R °'cd, rte (NRdrdded by al, ..c-drssfgm ,ere F; -I, plyd :.al_ ouch=,- u,b- ofony_in tne Anaur,rrf --no`= Your n,me anda<m rc•mz5ec bal':r„p rdti',; Due orarvng o'a n, : :In,_ress� are <, thu :aKtL ::,e m,y.a}.p. :: ire.Y...arge Jclia•a^ cum the do!laram:;ntel ihz:usaeeed error. annul yassessed. Nsscn uc f 4'r gem I` you think there an escr or. yoc bill, describe ymat You believe r, wra - p and Any you How an rey Variable Annual Percentage Rate (APR) changer Your A: ma, in ,. :,.v_d r: rune oelieva I ' a mul of the Ion oc n,d inoia, frog -ed in be Na115treet;ouma(., TO c 2. nd xi sod oryrour ar.curt .RUmustaixtu yarhlr bG days a'rertn er ai,;,eor ?ccr smeri Igk'C . Ica:`, nod, on t e fw , < .nJ it at2me'r` rl2m if, yoV' A'Ii'i . Ihfr Gt eC:Y Ili? t, p.. t, kw: YoU mL'SI nouTy J5 pr anY pOFnlidl Prmr, In Y rru ^p . ','a,, may call Us of rti'y us elPcznanll but if You do Vve are Code rrezt to your How da we calculate yourAPR(s)T WhenyourAPR(s) .c: reguir ' ; =Cat cry ; vxrial cr.san. you may bow to ca- orz ac ,rul r c,Ezbon r all no:ry y,,-- APR(,) India+ margin (previously disclosed to you) will change IT�icrc won lr zp days cfdv Yoaia of your =o`er, P Prime Ra? + mrgm 'me fie?tday of the tir q ref is that While wre ire= igam whether or not Here has been an error, fne L nra true: L 3mprrh J'3p3 .h :Twain ed ,; n., AY_II, IUIy, ?nd r�.t. We-r: tal -plied, ne an I. lin cue tbn,o­von you a, ell- n ;fntor tbaramcur ;C D P• -e r1a to r ma•gr Ili first day of each The cmrg r r. oon may ;r' - r. you s t -ao and l may relle w Chia a YD I serest or, that arcum, F I Ind' ? 11Pp? 1 mA.min :cmr Iy bill nG perio Bi C If vJa deter ire that we made a mistake, You will not h,,T td pay ite amount In gV_st l Cr any l'v tit dr outer - .._s reface trhM amcu ^!. Are there Additional Feet associated with my account? Yas ir zr certain d umstanas, ye, m:v ba e _essad a MI I: you do not fate to ay e amount In ques,on a - .r7 yre tend you u no*'ce ; 1r.. the outa-me of our Late or Returned Paynent fee. You mayalso be zstesrini veifmh fees if permf?fd ey?arch, Vite reeerm the npM r: not imxstication, lcu a= mspo.11§bP.for tire_ remainder o` your balarce. a 25, •ee, W1tCGY` pnpf Wdtf and w3c,1 w vm ur rig x >e a sail], lee ate.? Wa c,,n a Hy a y u,pat ar a-ainA y u curt lme :, How an I Avoid Membership Fees If R r: w rml ci o 're fr : to -^con � yo may =lid Wr, days o a rode) at o` You i letter, we 5 g s omi ,'toe c writ 1 not PK fl ': q a r da> 4E orfact e t hf pr ;ire at ' al entreat re ee hyonrfcy e Cfst ,e S rAce no more 45 days fter Uie l st )y i :.nf b ;ll.rq enor ( ;a ari a on ,much rem s5.tam_nt)cr,5. repzan. aE Lai.,, .1e 2!Il n ccr .G :yde c by this _ t?: ere c ex U e cld , yo r a co n to ,..rid payicc a coon ly 1,2s p fee, u t cu< -_. ssfwa p ytr,t tc pct at ws- _115e y<,-,, ,:.._tot : d ne =.oil step a rg your mcntFiy Your Rights H You Are Ol,sahsfied With Your Credit Card Purchases. If you die good, or r,.enpers. Ip fee. scirkes t ]t you here pure : hoc won leer crex ca and you hoe tied m g ail t o conaltne, problem wnli How an I Ligs lre men h yrl ray he” n. right not to pay. r% main Ing :mount di_ or he xumlose. To use this ri the ,r_Sr YOU an x rt 1L`mef"Y ft'Y.0 egJS [VJe eaS Y OUrC mkwin, cbe true: Fat t: II xplaran old, : cal �ep toa ur des+ r 1i7r tl r pay o rtr n an :d -m : ? =s Pharr m. :atlVou se your -decade an;cc Fri toy, ua. ou. —ler you.,k os is dose C V. a ctn ke2pycu ' you .Ih — need lm- redtrd.,rep- -ne. lancha - -de 1. t, cash ai.7n:esfo a, Al a - VAnha atcpimtopen. che.k thn accesses your credit card account do net a ,ahfVy, and :"out s ayt :avef Ily pad for'heip r •e What happens Hti A r.ew; yYe yc < r t„er'}w rctrt'rd salt ba :n eau all of riu alcove. at any re ].: fs any: ann,e'nf rcu a. n,.., dafarh A_cc;,..usi,ensr ,an sperm ert„r..mpera•} met and Yu are .al .i ansfedv thd_prhasa,c „-t u is w�onc at you` crourt is dosed of susperclld you must I stp u r Four neat Cale and account 2) ca —I oul cutom G c rol One pane.' Idcslmyalc da arc , d? e c:ecs, and 1 p ' 1 par, ]II �mpUr,, pg W W2 d5, EYe: h f l e .h FC , Box 81 dCreta der,,..:, wa =dse_ or scsperted' S Sc ULake :tg UT 84131}J2.ro5 How do I Make PaymemR At any4me, you may pay the minimum payment tee total unpaid balance, or any amount in betvrean. isymenu may made in several wayi: While we investigate, the some, rules apply t hie d"apLted amoont in discussed ague. After we fr�rsh cur H CnII ne Ly -To C rry x,.ap:;l.,t... :. :o dicgcir, ireo your r..counC :rlresdg„tian, va, rill wll yo i our d.,isisal n. rnir.,fwa nik },.acre an,,m. v..aed youa not pry a_ : :zy u lxlepixe MrcP fies?pnsa System bydall : :.,;.K ;;55 -7iiTp and follcwingtne wits prompts `Nnen yr✓u oaken r s li- ::gent pine pavm r[ rpugi ou ,vr fe qri sr-en )Vr auth0IIm v td : dee an A H nr I tro c payri r that•? l raps) Ole uppers .forrvU p IJ cretamor o vmbsta vweapita'ore con bedeax fezW p '.cane., fands:.., oe y:r.ro`awrfm=}cnr b. rkaoa :., wna..n. sent. d]y w% ='J,;}i Ca.GJ C. :P.upi,IJ eu :e - .oral c:t red.:aa n:k AP rrht re -enz� processy lay.; n' = Si Calfr[ ourt7ep:vne numb=„ Iszi <55-7070 and . —Ading your Informst:ron to our rapfseentn c; 4i Paym2YS :!y conchs should to sort tc the madinc address provided cn the g 6om pogidn of tole etch. %menu. T' -ace "'.7sCyi 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 print address or phone number changes above using blue or black ink, number on your check. Take Control with Online Statem ents 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 Capita/ Page, of 3 ----� Customer Service 1- 800 -955 -7070 May. 03 -Jun. 02, 2012 31 Days in Billing Cycle I www.capitalone.com Platinum MasterCard XXXX- XXXX -XXXX -7580 Credit Limit: $15,100.00 NEW. BALANCE MINIMUM PAYMENT DUE DATE Available Credit: $285.P.7I Cash Advance Credit Limit: $15,000.00 , $14,814.83 $298.00: Jun 27, 2012 Available Credit for Cash Advances: $285.17 Previous Balance Payments and Credits Fees and Interest Charged Transactions New — Balance — $14,876.03 — 5294.00 ± f150.80 + $82.00 0 $14,81q.g3 -_J TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $70.00 Total Interest This Year 5894.65 I I i I I I i I I i i i I i i i I I i 1 i __ JOHN M MESAROS 1917 ROXBURY CT 200960 MECHANICSBURG, PA 17055 -7023 Date 12763 Use by 0813112012 68- 7270/2560 42885 -01 Pay the VOID order r of Dollars Cap/ti For inquiries call 1 -800- 833 -6393 Richmond, VA Memo Signature ?ayahle 7hmurh 4Vuli5 ranlo [4igk iJA. 11'1276311' r : 2 560 7 2 70 11_ With these checks, you'll pay... NO TRANSACTION FEES! The checks on this page let you use the available credit on your account anywhere that doesn't accept credit cards. Any way you use these checks, they come with your purchase rate —and NO TRANSACTION FEES. Here are just a few ideas .fix how to get the most our of your account with the attached checks: • Balance transfers ✓ College tuition and books ✓ Wholesale clubs • Moving expenses ✓ Computer equipment ✓ Car repairs ✓ Writing a check to yourself ✓ Family vacation ✓ New furniture and depositing it where you ✓ New appliances ✓ Medical bills bank for cash You have. until 08/31/2012 to start saving with no transaction fees. Call us at 1- 800 - 833 -6393 to transfer higher -rate balances over the phone. Or, log into your account today at capitalone.com /offers to see all your available offers. Interest and Fee Information APR for Check Transactions You will be charged the APR for Purchases, currently 11.90 %. and Balance Transfers Fee None. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new on Check Transactions check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. JOHN M MESAROS 200960 1917 ROXBURYCT 12764 MECHANICSBURG, PA 17055 -7023 Date 68- 7270/2560 Use by 08/31/2011 42885 -01 Pay r the V O I D order of Dollars �aP> For inquiries call 1- 800 - 833 -6393 Richmond, VA Memo Signature a;rhle ... ":oac ^: r4zllva!Ip l:nk N.4. 11'1276411' 1:2S60? 2 70 11 :, o D O M Z 2 a� m O O D a < in con M a m n T I n O m P T y m D Z 3 a D 9 O Z O o n a a 0 r n O m O N Z ,� m Z =i in O m O M Z � N y n m r 0 X Z in Questions about these checks? Q. What can I use these checks for? Q: Can I use the enclosed checks to get cash? Q: Can I avoid interest on new purchases after I A: You can use then, for almost anything— whether yoit A: O(course. Simply write a check to yourscif:md transfer a balance? need extra time to pay a bill, want to give a check as deposit it into ,your bank account. Phrase be A: Once you transfer a balance with this offer, you will a gill, or just want to have cash on hand. Another aware, depending on the check amount your pay interest on any new purchases you make with way to use your checks is to consolidate debt from bank may "hold" your check temporarily to make vour credit card unless you pay your entire balance non - Capital Onc" credit cards and loans. sure you have enough available credit to cover {including transknnd balances) in full each month. the requested am un ot. Regardless, with this offer, Please see your C.ustomerAgreentent for derails on Q: What APR will apply when I use these checks? you'll never htwe to worry about paying high cash Intere a Charges. A: These checks come with the same APR you pay for advance fees. purchases you make with vour credit card. Q. What is the difference between my "credit line" Q. If I transfer a balance from another tender, do 1 and my "available credit"? Q Is them a transaction fee for using the still need to continue to pay that fender? A: lour credit line is the maximtmt :unoour Q. pied One unclosed checks? A; Yes. Until your transferred balance posts to your will allow-ynu to borrow on This account. Your transaction A: isn't. You o use pay any kind of Capital One account and appears on your ocher available credit is your credit line minus your your C it fee use these checks m access � lenders m billing scttcenr, ins important you make balance, if any. your Capital One account. at least the minimum payment to your other tender. 'Plus will unsure you avoid paying late and being Q Where are these checks accepted? Q: How long will it take for one of these checks to pe,uthred with past clue fees. A: These checks are accepted wherever you would use post to my account. your personal checks. They're a grear way to "charge A: Checks can take 7 -14 business days to post to Q. What information do I need to transfer a balance it" ar places that don't accept credit coals. your Capital One account. If you re inceresmd in online or over the phone? accepting this offer, but arc concerned Elie checks A: You'll need to let us know the amount you want w =on'r.'Post to your account before the offer expires, to transfer and the account number, name, and give us a call. payment address of the lender from whom vou're transferring your balance. Important information About This Offer • Please make sure the total c' your checks, tfarsa.iors, and fees Goes rot exceed your available credit. We may decline Ie process your request for this offer. If we do, we will notify you. Your request may be dedined if: Your account is delinquent, overlimit, charged -off, or closed You have filed for bankruptcy Your card has been reported lost or stole^, or our fraud system prevents the offer fulfillment A term. ot ycur account relevant to the offer (like credit line, ApR, or you special t2nsfer cote) has changed since we mailed the offer • Is you have an authorizec user on your account, the authorized user cannot .request a transfer or use any checks. $0 fraud liability claims are subject to verification and investigation. These Checks: • Are treated as purchases and will post to your Purchase segment. • Are subject to the terms and amendments of Your Customer Agreement Please be aware that the sec[on titlec "Your Rghts `. You Are Dissatisfied With Your Credit Card Purchases" in the 811'rig Rights Summary on the back of you. pe.riadic statement does not apply to these checks. • Do not Pam Rewards. • Cannot be used as a payment on any Capital Ore account. • Canact be cashed at a Capital One branch unless you have a deposit account with Capital One, N.A., which has sufficient hinds to cover thc amount of the Occk(s) in the event the checks), is(are.) returned unpaid. All other terms and conditions for your account remain in full force and effect. G 2011 Cipital One. Capital One is a federally registered service mark. All rights reserved. o m p m O Z in I D > m O 0 m m y to on to in M I < o m m an D N M o „ a ro O Z 3 n b v O n O O D 9 r o+ O O Z v m Z i r O 1 0 D Z = in c: to 0 m r 0 t Z in 500766 A few bright ideas... Save when you transfer higher -rate balances to your account at your existing Ga V L purchase rate — plus, pay NO TRANSACTION FEES Transfer balances from any lender, including:_ • Credit Cards ✓ Personal Loans ✓ Installment Loans \ • Auto Loans ✓ Gas Cards ✓ Retail Store Cards Call us at 1- 800 - 955 -7070 or go to capitalone.com /offers today! Page 1 of 3 — -- Customer Service 1- 800 -955 -7070 Jun. 03 - Jul. 02, 2012 30 Days in Billing Cycle www.capitalone.com — — ._--- ......_...... —_.... — ____..._.._...__..... MINIMUM PAYMENT WARNING: If you make onlythe minimum payment each period, you Platinum MasterCard will pay more in interest and it will take you longer to pay off your balance. For example: XXXX- XXXX -XXXX -7580 payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $14,958.42 $295.00 Jul Z7, 2012 Minimum Payment 27 Years $29 3496 3 Years 1 $17 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: S11,300 Credit Limit: 515,100.00 Cash Advance Credit Limit: $15,000.00 If you would like information about credit counseling services, call 1 -888- 326 -8055. Available Credit: $141.58 _ _ Available Credit for Cash Advances: S141.58� LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, J you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40 %. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 574,814.83 — H - 5745.78 .} $295.81 = $14 95942 --- TRANSACTIONS ! r YOU ARE HERE. PAYMENTS, CREDITS &ADJUSTMENTS FOR JOHN M MESAROS #7580 1 25JUN PAYMENT ($298.00) l � WE ARE T00. TRANSACTIONS FOR JOHN M MESAROS #7580 �` Check your balance directly from your 1 22 JUN DM WEAVER AND SONS QPSINTERCOURSEPA 519,22 { \ phone and: 2 22 JUN GIANT 61 20MECHANICSBURGPA 581.01 ► View recent - transactions 3 22 JUN TPP THATPETPLACELANCASTERPA 4 22 JUN CICI PIZZA d /7641ANCASTERPA 522'16 ( / ► Pay your Capital One bill 5 23JUN HERSHEY PARK FOODSHERSHEYPA 528.01 � J ► C ^eck your rewards balance $10.61 6 23JUN HERSHEYPARKFB VENDORHERSHEYPA $8 I Go to rn -capita lone.com on your mobile device 7 23JUN HERSHEYPARK FB VENDORHERSHEYPA S18.87 j and manage your account at the speed of you. 300029 8 23JUN HERSHEYPARKADMISSIONSHERSHEYPA $36.95 j 9 23JUN BROTHERS PIZZAMECHANICSBURGFA S21.19 10 24 JUN PETSMART INC 583MECHANICSBURGPA 531.03 INTEREST CHARGE CALCULATION 11 27 JUN GIANT 6120PAECHANICSBURGPA S17.85 ► Total Transactions This Period $295 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to 1 Rate (APR) Interest Rate Interest Charge Purchases 11.90°!. S10,892.55 $106.53 Cash Advances 11.90% 54,013,36 539.25 Transactions continue on page 2 P,I,D,F Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0 02 0000000298000295005 Ca�e Account Number: Due Date New Balance Minimum Payment Amount pAPERLESS JDIZ�,zo1z $14 , 958.42 —, $z95:oo � STATEMENTS PLEASE PAY AT LEAST Stop waiting for the mailman. THISAMOUNT View up to 13 months 01 Statements anytime - online. Sign up at www.capitalone.com 4000D7 JOHN M MESAROS 1917 ROXBURY CT MECHANICSSURG, PA 17055 -7023 Capital One Bank (USA), N•A- III111'I "'111111111 "IIIIIIII "'1111111 °III "Ill'Illlll'Il'1'III 71 Charlotte NC [1111Ih ill -'ll Ill . 1.1111 "I it I1.'ll'I'll1' "Ilhllll'Inl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Your account is more than just a pretty card. It also gives you two easy ways to transfer higher-rate balances to your Capital One'!` account at your existing purchase rate and pay NO TRANSACTION FEES. Call us at Go to 1-800-955-7070 ca /offers 00, 01 How an I AJJQJJI Paying Interest Charged? fact. mc,.*h I, j ooy your 'Nev wa- in full y­ -,.If rave. a When Jaillyo. Ensill (sly PaliniqA? ninirnurn grace Piano ot 2 day d­ "' no Interest charge or all new 1) pJ'd­aSa5,2) balance uapsfeV5.3 =special Far oril near ow, he phone, asi rhayare m l vi, ' pucchasesanad Oyou ha. Icaa, r i nrrestcharq eacoled and you or ralled payments, Is �f the tuar wt e . n day —1,e it as long as: "i you sed e tottc. co,ticn T this do Pay Yc` 1 `all in Full, olDrat,d interest naracs v,;T ce c" essa,,. 1 ne � " gawp t, jo�_ on - ad'a n—, smit-_ ­ T. zcillro j checic in - the ­Ic lao a �ca e'Veloce. and 2) ica cay-Tent is care e of ur I III aw at 11-t f �, business days ic, 'ail deli"rit. 10"Oed paym�a 'Peali Inarde'a Cro n any - ,ev, -, 0—ci - wh-rr i ;ere 15 ar. u, cod bia ami=� from a poewbus hill 1 . Poceisinj ce. men by 5 �m. local t� m. How Is the Interest Charge applied? Im Charges acme tram the Q data of me tanXcl, 2) care the received try uz ataxy ol'e, 10'alo, a; art The' t er m "y not t, cedined as If he dayVva le tlhen. ram Vo 1, P­ a 3f f : ¢ ti c , . , a, ray f "l I owa r, pe icd. : narcea IoJ-' a eVafV Xpa.id ac Do you Process Paper ChmChecks as an Electronic Funds Transle,17 �'ayrmeTtc, be processed Jr. c,. 711 Iris Pac� I: fort . .his s creors yo� may ia2'est narges aVa r. you Fare t� e "I veal Sal oce Tc,.th, wry5: time 1qdC cv] vnj- acted or check nf.irrlen m �naop a Nymem, VoUalcrIc'U" USCF ouragen000 inedha Pat ' I did r o so nor !he 7vms mo"11, " n pal d rterastchAgas are added to tr„e Propersia.grentof your Account. rbirri 'I make a c e ,.a KH trarse7ron or dtel el'ar trarsfe,fiom }cur cf-N,Iaaci:m We r ay lic'Vea"', we 'ese- the ri zo taasai5 dtarze5 a' nittine. also use d" irfcm&4t­ w pfc,-aast irie aa Do you assess a Minimum Interest Charge? Yes. A Teri-m J, FLll[9 CJ WI­ If Fa5-D wil to ass ne far zac What if I file for Jlankuu if P. III ert a to 3 IrJL , uMy prcla<dcl, viiis commv zer- is 'ti mfamaton Wing period your acrart k eiblecM and res anf". Ir is coian anrildr. to T'lect. assess or fe,­.­ a rebtor oam. W r.stsend us ar-ierts without speaking w:,. How do you L � to �mtbg 1rgrt IN=- us e I J, rdod .112d A—le Nly (rala— y)u t, ai zn- lfyou or yc' nareyw�_,Id I L cc c m act as n-m-pt, s dair 'j"diro new a. 'am, ir" is p u Clio! a,:y oa'a".ce: o * gibs Bol 3028, ke chic - -a a ,. seA­ di-Ay. deas oc ma'1 C aXd 3-1 • K k.7 t ara J'yr Jj Jac ! YIV I' as o c ) 5 iCE h � tst 2 iutti any BILLING RI 4TS SUMMARY (Does Not Appi'l to Small Business Accoust rn and a in crew jrarsa� ris and !. Parodic, merest charge oi the previcus da-y�s '2k ' par, 1.1 and nd milts for that —Te rI f th I d ,, o Vr fire r e' G - uh i the daily ba I coe "Or ea 5 POmel' I lo Yc". 1, 1 f Va u What To Do If You Think You Find A Mistake on Your Staternant: 14 You thirk is an error on yav paid Your Pneracusmonth bala— n fid . fe, if loj balance -5 via o : oedis ­­­,caccs wrjcf­ pos- o Ioun ; cl special ourcras? 5ecillts are not added to fie daily balances. A!ao, transacmora ilia; are 5utlactto " plied ; I g , iod are rrtedded the dail talanres Capital 0ma L, ocether or I , Rc , ii, ;Ievl:­ by Box 3-f2ia f-t find , Ave,agc da�­ �' add r.Jr- daily tof­ az; Inc d. : 11 n the mmoat a; day in. de tilirng -,Ti-. LaQ Cny, W 5= 1 30,285 A7. t.a end of each Jailing cycle, we dacermInerour InVIatChr7 64 fG110— 1) 11ti0l)' Your Alvece [laily Balance In your letter, i give us iollawloo Infort by the ca fly pa"cif , Ic are (APR drAdec! Ity 30' . for mair Rom e% and 2i muliply he cesil oy�i2 niumber af days in ne Azau. rfo,_VJ­ Your Imn- accou,- bin rg P nad. Gr, I are. rnr*7� w. � ints cnamt, this may aar from ';�e ini cilarge the c amou,taf the suso,in;ed error. .,. actually assessed. Liescr,cd.r. d Im!,E m If you thick th-re, rs an error or Yoir till, describe Oo*t Vau befow r vc, and Y. You Now an R) change your K"i cray c ck�a ? _,, c,.j a, one hell I: a a ri stalo to a th a fo "c'maic. To fimd cri rJx is ned! far Your siouaLra Ou "I ca- uict I wtiir, 6C days atar th- error aooie.aredo, ;afjl staremert . lookti lfftt; code on the, fro std error Jim to you,A'Hi(s,. t table Lao" You must ratly us oar any ;:cIamal errors in wricinc, . may call in or mciFy us but if you do vva are Code mod to Your Howdo virecalculateyourrAPR(5)? When your APRs) rcr requiTao to nw�W any pocardal crors Into yIj may have to oay 6e amunt 1. aulsticl. We will notify Yoe. APR(s) Ind. margin disclosed to you) will change 11 wj'n, wit., r , d6Y5 Cf oL r ­. ce4 Y r L r lete'. P prime Res + margin Ons first day of the bOlim; cerro-ts ta While we ilwa�lgcta Wredier or not has been an error, tne f-Ilov true: oerro's tl I. A ig are I ro-in erdicJ­,A. July. and 0a. We uar,r,ot try t1rolloc ne Imain t i t. ctn, or repor you as delicclert or tFal —unt. in . r l g you i. ,crest cr at amount. Pri -. I cluta ma,pir, The first Na cif each - rc pen dI I mist, a r coo "Ari, morithly oilli DIIL 4 we detairrive !.',at we ra l�, VJILI WIN n heVe to pay the im-Urt 11 qns of any xfeo: of ot ,her fees related t thatom.- Are them Puffin ... I Ge e. associated with my ac Y ca.ram o1c:`1t)nrra,, 1 m, I While r,, dc ro�, I— to Lao or Returned Payini,; fee, m, may also be Lne'sed OvetImili I permitted W . law. ktla r, lt o pe Y It, �s_zssse 5 , �V 7 arriourit, ir rfn�.xci g: " I we send your a ro-noe taut Ilia oLtocre, of our ease 5, ' rr me Ji ,c., rMOgaticn, You ane resPD9sib for the rend h,lerot youir balance. - *-ees WtOo • t onor notica, and without wamno, our ncir, mare a mini iutrjroraotivi How an I Avoid Membership rvi, apo Pa Se r ace no more ha ri 45 daJK after theist IV in the Itcl ir- er r," is enrcn Ira la ; rstmeimenper tire reasons ve talieyethe III s c. oo , ur a lo amid PIVIC a —thly memb-lil, Fee, in de Nis entemem to request Ih.c v,,e brae y, - ueet - Your Rights If You Am Dissatisfied With Your Credit Card Purnhaseii. If y,t, are dj,sVv ,r, , e c th,,Jz fir rai Service *�,ytr_ to rao we dose your acccurl, . vx, voll stop ossess- r.ur �cnthlv i o r`? .tears l ,p fea. serxas ty)j ha pure a rizn V­ cro ar4 Y)i have tried In go— r h to red ne pnobkm wh-. tfIt 11 e well ,: l arma,, post to V­ accoim a car You IzV us c chi 4 1; Y.V -Lst I.— used yc . zred,_ , for pualirasa ru ode V ca, d va, ;e 5 ficil, I AN o with I accountopen, check that aoessat your credit cadl acovict do not qualify: an What happens if myr Amunt is si mpe V may d se c, t s�_, Vic ur account 'dff, 'ch ci credit 2) yo ., .1 , so , o - Via 1 h ale fully ca; ft�, T 1� I p rc: m no y IF still a ined ntr it oa lou h,-, us in w, a any I I I - m t f" l asa,, "'. F, you Ira n oe y d 1ofthe"ur—', ­. e­ "'Peng cretni o h­t your a,. -WA il Para ,. closed or suspended yo., mu,�, IF ship usirq you, coedit card and account 2) camel all av%m, i - Capital 0 payments, 3) destroy all crEda cards ­J access checks, and 4) pay all amours You o.e us, even i r, chained aftor th, - 0.0. Box 30285 - rIcsoo ... scencied. Sa1LaloaC;tyLT84i, , . Him do I Make Parlinne At aRytme, you -ay pay em, tne total unpaid do lance, ar any amount in", in bevrael. I'sylent: may os made in several war VVrT1a we : . boat" !he samr, ruies apply ar, me disputed amount as discussed Ica- After we flmeh our carl; 'vesucaic'. vre vaJl TO yau our decision. li 1 , 1 ,� pr^ f wa tn[t z ya,r aw a,, am­.. 4,d r 4 a:ez),me Voice fiesarsa Systarm bled,61cmi; ­,tfW s a, foil q me lPp­ Ya j as ah:xi aart cn pmmp , ylqa, , u is PhOfie paup) ol VoKe recre u aurthar. us to iifliace ACH ar la ectic ric payin �pital one upf�rls,cformajdn. priv=ac proteakin: see our vvacs[L be da I Dred yment mo frorn. your bac xi,-�, .. furpornds 5Y-xin. Yo back au.­-r. sco,,as!� some e dq� _ta� Process V­ Pjy., -Q CaoiIal Oce is Iawal'y­ edscVi�ra mark AF r6:Iht, )Callitg cc, I PcnorI rum oa 1- oroviding yjrWo,ma: reo7asent5dw; I Payments oym.ils•ould te ser", . ,em I ad1nexu ii-idelorthe oDnin comon ofirlismem.,,', 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 .................... ............................................. • le 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 capita; Page 2 of 3 Customer Service 1-800-95567070 Jun. 03 -Jul. 02, 2012 30 Days in Billing Cycle www.capitalone.com --.-'...—.- .— .- _._.......-_ ....... ..__.... Credit Limit: 515,100.00 Platinum MasterCard XXXX- XXXX -XXXX -7580 Available Credit: $141.58 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: 515,000.00 $14,958.42 $295.00 Jul 27, 2012 Available Credit for Cash Advances: $141.58 Previous Balance Payments and Credits Fees an Inter Charged Transactions New Balance 314,814.83 — 529800 + $145.78 .I F $295.81 = 5.14,958.42 i I TRANSACTIONS CONTINUED FEES Total Fees This Period $0.00 INTERESTCHARGED INTEREST CHARGE:PURCHASES i 5106.53 INTEREST CHARGE:CASH ADVANCES 1 $39.25 Total interest This Period $145.78 TOTALS YEAR TO DATE Total Fees This Year $70.00 Total Interest This Year $1,040.43 i i i I I I i i I I I I I i i i i I I i I JOHN M MESAROS 1917 ROXBURY Cr 200960 MECHANICSBURG, PA 170551023 Date 12765 Use by 0913012012 68- 7270/2560 42885 -01 Pay the VOID order r of CAA lPO JIB' for inquiries call 1- 800- 833.6393 Dolla Richmond, VA Memo Signature Payable J4ma;b LV;.iia ra:go lJank ^J.ti. 1"I27650 1 :25607270 it: With these checks, you'll pay... NO TRANSACTION FEES! The checks on this page let you use the available credit on your account anywhere that doesn't accept credit cards. Any way you use these checks, they come with your purchase rate —and NO TRANSACTION FEES. Flere are just a few ideas .for how to get the most out of your account with the attached checks: ✓ Balance transfers ✓ College tuition and books ✓ Wholesale clubs • Moving expenses ✓ Computer equipment ✓ Car repairs • Writing a check to yourself ✓ Family vacation ✓ New furniture and depositing it where you ✓ New appliances ✓ Medical bills bank for cash You have until 09 /30/2012 to start saving with no transaction fees. Call us at 1- 800 -833 -6393 to transfer higher -rate balances over the phone. Or, log into vour account todai- at capitalone.com /offers to see all vour available offers. Interest and Fee Information APR for Check Transactions You will be charged the APR for Purchases, currently 11.90 %. and Balance Transfers Fee None. How to Avoid Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new on Check Transactions check transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. JOHN PA MESAROS 200960 1917 ROXBURY CT 12766 MECHANICSBURG, PA 17055 -7023 Date 68- 7270/2560 Use by 0913012012 42885 -01 Pay r the VOID order of Dollars CaP1Iaj For inquiries call 1 -800- 833 -6393 Richmond, VA Memo Signature ?a,able J4;oceq V�'ells � •.<p lark YA n■ 1 2766rf' e: 2 560 7 2 70 11 T 0 as m M m 0 z Z O mo O m m to O a m � _ < O m m to 3 N M ca m "y a D v o z o O n A H o r O O N m Z ti to Z m r 0 M z i C e A m r 1 F2 m Questions about these checks? Q What can I use these checks for? Q: Can I me the enclosed checks to get cash? Q: Can I avoid interest on new purchases after I A: You can use them for almost anything- _whetheryou A: Of course. Simply write a check to yourself:md transfer a balance once} exva time to pay a hill, want to give a check as deposit it into your bank account. Please be A: Onoc you transfer a balance with this offer, you will a giti, or just want to have cash on hand. Another aware, depending; on the check. amount your pay inrensi on any new purchast_•s you make. with way to use your checks is m consolidate debt from bank may "hold" your check temporarily to make your credit card unless you pay your entire balance .non - Capital One'" credit cards and loans. sure you have enough available credit to ewer (including transferred balances) in full each month. the. requested amount Regardless with this offer, Please see.your CustnmerAgreement for details on Q: What APR will apply when I use these checks? you'll never have u, xvorry about paring high cash ]ncerc-st Chargao. A: These checks come with the same APR you pay for ad es advance fe. purchases you make with ,your credit. card. Q: What is the difference between my "credit line" Q. If.l transfer a balance from another lender, do I mud my "available credit "? Qg Is there a transaction fee for using the still need to continue to pay that lender? A: line ctedir line is the maximum amount Capital One enclosed checks? A: Yes, until your transferred balance posts to your will allow you to borrow on this account. Your _ A: Thcre isn't. You won't pay any kind of Capital One account and appears on your other tr available credit is your credit line minus your ansaction c to use these checks fee m access lender's billing sauement it's important you stake balance, if any. }rout Capital One account at least tre minimum payment to your other tender. This will ensure you avoid paving late and being Q: Where are these checks accepted? Qg How long will it take for one of these checks to penalized with past clue re fees. A: These checks a accepted wherever you would use post to my account? your personal checks. fhcyrc a great way to "charge A: Checks can take 7 - -14 business days to post to Q What information do I need to transfer a balance Vat phre.s that don't acce credit cards. your Capital One account. If you re interested in online or over the phone? accepting this offer, but are concerned the checks A: You'll need to let us know the amount you want won't. post ur Your account before rile offer cxpins, . to transfer and the account number, name, a,hd give us a tall. payment address of the lender from whom you're transferring your balance. Important information About This Offer • Please make sure the total r;; your checks, trar.sa iors, and fees aces not exceed your available credit. • We may dedine to process ycur request for this offer. If we do, we w11 notify you. Your request may be declined if: Your account is delinquent, overlimit, charged -off, or dosed You have filed for bankruptq Your card has been reported lost of stolen, or our fraud system prevents the offer fulfillment A term. of ycur account relevant :o the offer (like credit foe, APR, or your special transfer rate) has charged since we mailed the offer • If you have an out ^urizec use.' on your account, the authorized user - cannot request a transfer or use any checks. • $0 fraud liability claims are subiect to verification and investigation. These Checks: • Are. treated as purchases and will post to your Purchase segment. • Are st.b ea to the terms and amendments o` your Customer Agreement. °lease be aware that the section titled "Your R gilts i- You Are Dissatisfied With Your Credit Cant Purchases in the Riling Rights Summary on the back ri you. periodic sta:emert does not apply to these checks. • Do not earn Rewards. • Canrct be used as a payment on any Capital dnd account. • Cannot be cashes at a Capital One branch unless you have a deposit account with Capital One, N.A., which has suf ident funds to cover the amount of the checks) in the event the check {s) is(are) returned unpaid All other terms and conditions for your account remain n full force and effect. C 2011 Capital One. Capital One is a federally registered service mark. All rights reserved. n o m 0 m o Z on I n N o 0 m y O a m m m' N u o a m < O m m no >J to m to T --I m a z 3 m ➢ m C) z o C) o a T D n O r _ 0 C) Z Z m i W m I O D Z = 1) N A o on r o rt Z m i � jam! 500008 P' �Orte weat'sin your wallet? It could happen to anyone. Make sure you pay the amount JOHN M MESAROS due on your statement as soon as possible. WHOOPS! Keeping your credit in good standing can do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES F b ehin d BETTER INTEREST RATES by I payment. (good credit could mean lower interest rates) IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) 02009 Capital One. Capital One is a federally registered service mark. All rights rererned Page 1 of 2 ' � *_ „ Customer Service 1.800- 955.7070 Jul. 03 -Aug. 02, 2012 31 Days in Billing Cycle �.d . /lJ /le www.capitalone.com .......—.-. _._....— ......— ........— . —.. -.. ...— _._..J MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you Platinum MasterCard XXXX- XXXX -XXXX -7580 will pay more in interest and it will take you longer to pay off your balance. For example: Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional charges Are Made statement Balance Total cost $15,177.79 $633.00 Aug 27, 2012 Minimum Payment 1 27 Years $29,294 If you would like information about credit counseling services, call 1- 888 - 326 -8055. PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Limit: 515,100.00 Cash Advance Credit Limit: $15,000.00 1'0U may have to pay a late fee of up to 635.00 and your APRs may be increased up to the Penalty APR of 29.40 %. Available Credit: $0.00 Available Credit for Cash Advances: Previous Balance Payments and Credits Fees and Interest Charged Transactions - � �New - B— alan —� E14,958.42 — ;O.00 I $187.16 H $32.2, I c 515,177,79 You're behind by are payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment takeep.rour account eurrem. Help is Available. TRANSACTIONS —� PAYMENTS, CREDITS & ADJUSTMENTS FOR JOHN M MESAROS #7580 Just pick up the phone TRANSACTIONS FOR JOHN M MESAROS #7580 1 18 )UL SHEARER SECURITY DEVICH4RRISBURGPA $19.97 Call 1 -800- 955 -6600 and a Specially trained agent will 2 18JUL PAYPAL- IQUERV01114029357733CA $12.24 be 11 Total Transactions This Period $32 -21 ha ppy to help you check your balance and make payments. I FEES 1 27 JUL PAST DUE FEE $35.00 INTEREST CHARGE CALCULATION Total Fees This Period S35,00 Your Annual Percentage Rate (APR) is the annual interest rate on your account. INTEREST CHARGED Type of Balance Annual Percentage Balance Subject to Interest Charge INTEREST CHARGE: PURCHASES 5111.50 Rate (APR) Interest Rate INTERESTCHARGE:CASHADVANCES $40.66 Purchases 11.90% $11,032.85. $111.50 Total Interest This Period 5152.16 I Cash Advances I 11.90% $4,023.56 $40.66 Transactions continue on page 2 P,L,D,F - Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 12 0000000298000633006 Cae- Account Number: •5 Due Date New Balance Minimum Payment Amount Enclosed Take advantage. Take control. Aug 0 $15,177.79 $633.00 Manage your account online PLEASE PAY AT LEAST at www.capitalone.com THISAMQUNT • Make payments Review account information A9 Manage your account in privacy 400006 JOHN M MESAROS 3917 R XBURY CT nECHANICSBURG, PA 17055 -7023 Capital One Bank (USA), N.A. IIII'I' "IIIIIIIII" IIIIIIIII' IIIIIIII 'Illlllll'I'Il',I'III'Illl 3 Charlotte, NC IIIIIII' III "nhl'h' 1111 "IINII "II'I.III- Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. tl01 DI Now an I Avoid Paving interest Charges :r month im,, p-, lc-1 "i dr.: 3aL >r e n fr ,[., PI Yfil r1le I When will you Credit My Pavmem mint inum craze period o e 5 days U na i mene5t cheIge on al; new 11 pudna t) Warta, transfers, 3! s l r a, online or VRI the phone, as of the business day we e 2 ye F - , a IC , a t r are rode by p . f f. purc sea m y athz c a ces r Yau tae be " pail To r urt! ull widt h rte e hag s a ,d z rid IV F tl«! paym fth Jtr= dery r, nz! f •ra as t y u s t tt.m ?mat :.n s ce d Pay your n d bill in full "ll interest rt ce dl ^ sse - in" c gna e - a an cash adsarces. sat - � ,d •n r chx n Ertlo r' -.,cF .tvzlc tee : d 2i Kc x zit i ecery d i �e cf par saEtr trami_'s,c a ar. Ew.Y. CG i :; :ere tea,. p„d .,.w !_ uoTaprevc, bd proxs-sng enters Lyu '.ael time Ple a le.otl st(lbusi— esys•ar -it cehnry. h Now Is the Interest Charge appliedro Inte,.sc c5a7.5 accrue from the 1) data o; ire transcctiort 2) date are reeved byu, atanyo: er iocamoor in ar,crt_r cr xitalbereditede< ordne daywe racer, than t r fl r is pre, c or 3. fir ja e y f di 1 I g F=. me 1-11 1-11 ron 6 1 1 1 oo a d: =_ o' e . p, - a c rt Do y Process Paper Checks as an Electronic Funds Transr r .day I hz p o e ssed . one o f two ii til r ' !s p -: ful: Tr • r n you may w _et ch r E e r t: you Fay ; i 4 Aala- on month, th, way t hen You pro the scucreck !,formation m m. k x n, araa,iz,. usm oJ. acan, c use die sac r,e xac aus month. Unsai nterYd added rite ,opty „mentof your Actoaurt. Ir :lorm.tcr to m >ke,: :m. A_II tr<rsa- ,..,n e. char rl.cr'. c..nd harsfar`rr ya d. a " a aout_,n r^z; I kxfVet reserve (4- r the right to not a<ee = 5 r,P2Y rhdrgfs a: any bme' also Use the 1- f0trictlo :n to Uer ?<_ t}c p?Y��T. a5 c ;11 - ^G', bar�aW'"Gri. Do you assess a Minimum Interest Charge? ties.A n -um N! "R[5f im,'L ;, Su. SC r, II ce rise c. ea;^, What B I Ole for Berk. tau ire entree too kn.p: y pwtdie , this commurroic . i ( mf a "V sin billing period your account is sj*tt to on interest che,�. arly. it is not an tma ° to rclea, assess orr ver a debt or clan. Lk rat send us payments wnh r siteaking yes How do you Calculate the Interest Charge? We use Method 11 ed Ayeraga Dail v ce iJw g r Your b,1Vjo a as ii vc - n u cY cc if We zi Y3,r clo:rey srtldll m:::at c I bat.:upty dais t s: 7nie "..! z toredoo, , ,at L "l t, y'v caq ­h q" z _. C e bajn.:.r c. m sec= rn d s -1y, tea mnta.t as al me KrPcz 37:8 3E j• ea I31' 02E6 and . d I law i rsen s and l e pe.I adic m e erest char on die pr e ms u c6 cal ce t ' r ubtrat any BILLING RIGHTS SUMMARY NOt App/yto Small Business Accounts) peynnems end crM s for that xc•r_r as g mar day. T js the daily c I r e ar earth rQnre flowawl 1, yr. What To Do If You Think You Find A Mistake On Your Statement If You think tux.= is an error on your µ,dc F mi; me bal rroe n f i it Y,ur bal i r.s nee „r a redn.. ?uni — , ,.. -am s ich peer sat e" - ,smite n u at to You-pvcn e ” specie 'ojrc:se man ,_nos. acted w the ooilybalarces, Aria, dan>a¢bns rha' are. tl_ttte agweperiod are not added ±:re dal., d,1ar .. Capi!al One rrot t, find yo, Ati'ag ,ally 9a1, rw , dd.ha daily balo,oes toieth for - .h Gomm, o_, di�s,_,n s b� C Ua< 7S' t ^e number o: day. ebil:ng cycl= tea tLac qty, U l S^ i30,:285 At dre era cfeach 4 II! g }cs ycdetermine your lneareit Chiantis as follows Q rutrp • your Avereae rally Valance In Va,r letter, gi re us the follow nor ln'orma:rr, by tie ii cdl late LN'rid tried by aG ; ..c ?Tact sfa.01 ;=ru2`mul -.ply de esJl_a :di_ umtm. >c(doyn intnE A o Mcrnaacc :eu t mezma roan. nu ^:bar. b ilr p ! d tiGi. u_ :a Marra tqa a n : m im" z cE, This- N: cn mfyvar o ,cur rEY, chape 2a omourt Ihedab'amp!irtofthesus cfde'ror. a,Oxal,passesrd. [bscuodcr a rid , if yvu thick there is el error on year bill, de:mbe what you believe is wrong and "'n you How can m Variable Annual Percentage Rate (APR) change? You' APR may inorea<e or dec'easa base. or, one helifvs ins a mRt"re, cih Idw.re : :r. ed in'roas firepante .. 7 1m rY ;45tme "JOL 'rrk [. told - :: imilec is teed `g - pur account Ycu must w::Ct us•,h :60 days a`,ert anon ax._nu=w on W, statement, took far . la- ,.ad, or, Via front cr in* staeme:nar :m you "ARlSt no, Clii th, tetier tekw: You meat retry se y any paternal ems !n wki no . rou may,aq n or notify us elernrona:o1q, but if you do vac are Code next to your Now do we <alcuWte yomAPR(s}? WhenyourAPR(z) sotregnr pt svca'aty a:9rpal area an: you may haut.:mrdrz a-z rl..nau =_shat Yr yr:ll cony }.0 APR(s) Index+ margin(famiously disclosed to you) will change nv!r wfnr _v; days ofcu, .ceipt o. your P numerate I- maram The first dayef the biirrg period: the. While we investigate whether ?''attune has been an error, the fnio ving are true: L ( month LOOR+ ma:ain erdit fan., ACnil, July, and C'L, We cast tryto real, re , : arm. in: lion, or repot you? deli,: - im .the "_..oust D Prime R . r m •qrn fisfi•_tt da}oL =ac6 'riz harg in M] May—alno r1j r t ran, send y,M y cntrnu h qa you i ^terestcr tnotarcunt. F ImornUS}R 1 marlin ?mthlybl ^d perky, Srt!1 v, detarmme sat vex Made a mistake, Pa All not.aroc to pay be amount in quasrn or ary 1, finest ar other dial.fd a amalm. Are there Additional Fee x associated with my account ? Yes, ondzr - e*11 or ".:stances e. in a, be a 95s^ VYm yo d o ` not h hrrie to a:y "n a . - m r gJesnt ur it Vie send you ,, v:ge abaft the aatXM, of oar Lore Retorted t ymnr fee You may also ;= as'rs•ad rX - 0 , r < if permitted oy Law, N e rese ve line right tc of rwi iachon, you am r sox b7 nor thz ro . uni. of your .ale, ce. ass= Ee wt -c tat crnp'!ce a :dvrU live ��Oer g max a<m larl We W Cara ly aryu ca aa!spa cr .prelim! How can l Avoid Membership Fees If a pal w l fol. htec on tre fro-.1 - c, zits stat r yo, may ova pay!r^ pr , cal m n! ee eta J G l l m�P �taCe M more th n da . ,,fter din 1 [tlay r :he b ll r Y "r,' days cf o :r cart o yc lebe. still send ye j e write., it roil: n : g E nt the we ,rea, the p ya error (m a Ys g ppfa .n nzxt s,atr - ^.fnA r �= rEaspni y, hel "_4. ,h2 .ell rs r. ct ry le c � •er � by the statement art ro ell yin R we co y u aouY. 7b .c � pay( ^g a Monthly r nbaishi fax, ¢ ral CJOC.: , 5e" rice atyrb a x mcu .:.a•. we :Jac._ you. ,evert and t we yell stop ass se.va }our c ihly You Rights It You Are Dissatisfied With You Credit Card Purchases. I. You a. d - r =, led wrh da coeds -1 m. ,h ers p fee vrnc [ ya J have purcra5ec worn yrou r "s .a rc you hoe tried in a, " acid :o t e^ a problem "At' How can I LbssuhtyAanBBtT You t in ] x d tC sUmer Vice vJ-ie to eqU $ - %.[:ire ❑pie WLr aGOUfI A e me rchant, you may h ye the rglrt n to M :y the erei . mount dU ,inn : purchase r " J<e this right me that time, ynlle hr atldi..nal5 to ur :do rclJdi,. cal - lowmgr sit to true xR • V F pay xxn m aeat : c rim .i Please noon yo :.must ha4e lusted .•c:,....d , c.rd `a: I n t T Y„ur usdlo }rt s� _c-' -tee pat to y -u a:: m ,Er us ywacts n close ru rx e:n keeo}our Fcc :a..a-h —made Id: ca~t an A. a- withe accourtopen, neck that?cceasee your ct-dt card actorr don_tgaa.fy: and What happens if my Arcardm t< S ry",Ar+.rq We may close ersas.t: you ace 21 You : -+m act yet coy? fully pad for ire purchase. Y _ aunt and L ou. Torn a obtain credit a anyl me a. L- ay? stea y4en F You a mil= i_ fvl. A_t Is,penvc. - an s;ern,Ert.,r -mpo a y, an all,fjte _: n. n.a nw.?s met and You _re sail 3 :oilr zi uid_de µum :hz ci La w!h!r� your ?¢curt is dosed or suspfrced you mus! ii sxp usircJ your -dot and and ?octant <') canal ail aumma s p a P Rol one payment,3;destroy nV« and' ad,t cards a access era is,and ai pay all amounts u cme us, q after It ac v oa cl "crs scerrad yo fvz ;. i`ahev vane nhatgEd Bgr.3tnS3 43t er:hy Li & :i3i - ;2tX Now do l Make Paymerrt tAt n tme,yw aypayt mmum payrarn - ire mtaluxpalc Licit e, oranya.c rt in ba:veen Parent maybe mide in se4eral en y. While we rrw ovate, Ines some rules apply m the disputed amount oe d!sin. —d ab),T. After we finish our 1 Urdi. ty .ueb gcr. o ir"o vaurcrccont im'enSat vac ! 11 you aurdeci on.rcttar art lWe t ilinkY, 1 jowit . amore and y?1 a r_tpaywe rray ephone Voice Ra_s:gme System by dick - c .wS'55 K, ur-(cllewmp ,voice prorps 'liner you make '9­, :s del, t een phone puynfrt Juti a it wice response ryoert you authorize us ta^it! to on A a: elactro^k payrnf^t te¢rwit Qpnl Line supports rrforravcr Jriva:vpr'etmor: see our vp."a, mWit.capitalone.cani be d..bxdlc - your ba FnJF tr ne,.n.drawm fram your be =?rout, a,.00r, anti =sum =day use 92n pnacss ry payme' :, }G . {a al One D :e.efe' aly c :.t= :ei se I -;,ink. nl'nph6 resensed. 3i i II ir, 01 I pigs rem' t-9rxi a 5) 2V - d mwdl g y u mfam -: r r ur presfmaaw, ?l layme la bor it sracld b,=. tm prcAded on rh =_co "ar pollen cfths rte. =.meat. r /3Cy11 Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ............................................................ ............................... we process your payments smoothly: Home Phone . ............................... Q Don't staple or paper clip your check to the payment slip. • Alternate Phone ............................ Be sure to use the payment envelope that came with our P Y p y ................................ ............................... E -mail L!� statement. Using a different envelope could delay processing. Address ............................................................ ............................... • Please don't include any additional Correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes ?hove 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 Gapftat Page 2 of 2 Customer Service 1- 800.955.7070 Jul. 03 - Aug. 02, 2012 31 Days in Billing 03p �• www.capitalone.com Platinum MasterCard Credit Limit: 515,100.00 XXXX- XXXX -XXXX -7580 Available Credit: $0.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: $15,000.00 $15,177.79 $633.00 Aug 27, 2012 Available Cred it for Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance — $14,958.42 — 50.00 + $187.16 + $32.21 c ` $15,177.74 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year $105.00 Total Interest This Year 51,192.55 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 j I j ,; I 1 {f I - - I � � 1 I. i � i i 1 1 i I } j I Carpi LET'S TALK — WERE HERE TO HELP. 500009 /what'sin"urwallet? Sometimes unexpected expenses keep you from making p p p y g your credit card JOHN M MESAROS payments. We understand. At Capital One ,"' we're here to help you keep your credit on track. Give us a call. YOU'RE BEHIND BY Here are 3 easy ways to make a payment: • Give one of our associates a call at 1.800.955.6600. • Mail us the amount due on your statement. PAYMENTS • If you have Internet access, you can make a payment securely online by logging on to www.capitalone.com. Q 2009 Capital One. Capital One is a federally registered servirr nark. All rigbts receraed ) Page 1 of 2 i 'I _ _ Customer Service t -800- 955.7070 Aug. 03 - Sep. 02, 2012 31 Days in Billing Cycle g �. www.capitalone.com - -- — — —.___ _.__� MINIMUM PAYMENT WARNING: If you make onlythe minimum payment each period, you Platinum MasterCard XXXX XXXX - X - 7580 will pay more in interest and it will take you longer to pay off your balance. For example: XXX Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $15,166.30 $773.00 Sep 27, 2012 Minimum Payment 2) Years 529,131 If you would like information about credit counseling services, call 1 -888- 326 -8055. PLEASE PAY At LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not receive our minimum y payment by yourdue date, Credit Limit: S15,100m Cash Advance Credit Limit: $15,000.00 You may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penahy APR of 29.40 %. Available Credit: 50.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 515,177.79 — l 12 00.00 + $188.51 } 50.00 = $15 '65,3p i YOU re behind by nvc Payments. Let's talk. If you're having financial difficulties and cant j make your minimum payment - we want to help. Let's stork together to find a solution. (TRANSACTIONS Help is Available. PAYMENTS, CREDITS & ADJUSTMENTS FOR JOHN M MESAROS #7580 1 23 AUG PAYMENT ($200.0 Just pick u p the phone . 01 Call 1 800.955 - 6600 and a specially trained agent will FEES i 1 27 AUG PAST DUE FEE $35.00 be happy to help you check your balance and make payments. Total Fees This Period 535.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES 5112.43 INTEREST CHARGE CALCULATION INTEREST CHARGE:CASH ADVANCES $41,08 Total Interest This Period 515151 I Your Annual Percentage Rate (APR) is the annual interest rate on your account. TOTALS YEAR TO DATE Type of Balance Annual Percentage Balance Subject to Interest Charge Total Fees This Year $140.00 Rate (APR) Interest Rate Total interest This Year $1,346.10 p Purchases 11.909 $11,124.68 $112.43 1 Cash Advances 11.90% 54,064.42 I $41.08 Transactions continue on page 2 j P, I,D,F 7 Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVVVW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 02 0000000200000773003 Ca�e- Account Number: Due Date New Balance Minimum Payment Amount Enclosed Take advantage. Take control. Se27, 20 $15,166.30 $773.00 Manage your account online at www.capitalane.com PLEASE PAY AT LEAST THISAMOUNT Make payments Review account information 49 Manage your account in privacy 400006 JOHN M MESAROS 1917 ROXBURY CT MECHANICSBURG, PA 17055 -7023 Capital One Bank (USA), N -A- I'IIEII' 11 1 ' " "II °rlll'LI'I'I'I 1 Charlotte, NC 28272 -1083 uIIIIE' E uhl' ErIEIINE "Ih1h "II'E'lll'EI "IIhIIEI'hll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. UUI Now on 1 Avoid Paidno Interest Charges? Earh m.r.'n ycj :ay yow "Nov, Ci in 1,11, y­.0 v. I— a When will you Credit my Payment rni wocit period or 25 ceir vinf. no ni cfheriie on ol now 11 purchases, 2) boleros tionsfels Y so=cial Ix online drove, The plhtns., a,oft)e butimoss, dayare receive r, as long at tmy4vs Trade by 5 ip.,, rf. purooses sr yl other :Nortes. 1: you hawe Lee, paync Your accc%mt in : Full With . inteash 'he gas applied and You idf ,ailed payments. as of the louwess pay vie receive. I-, as 1o,q as: 1) you set id Tle lb-,M:m co!UDI tritthis do not gay pir, n erd bill , tint oi iltanest -,Llqas .1. G sss,�zed, Tt- is no 9— Tano, on cam divo-loss, ,tt­,. ,d rie,:1 in .-a — ih ina ardri ol- e—lopi — t , and 2) Vc,, Pay* j,acoi,. . d in .,., cf spec nersfe's, or c : any new 'onsucto, oha, here is art L I Tdid b'u n - fram , pre—us bile co--sing To. me,r by 5 pro, fcal t mr,. Flease L by, at liast ( h thrsms. lay, to - ­I call. ry. Mailed p3thrine ms How Is the Interest Chartm applied) ini dI&I915 ac-:fue forn the 1) derre of the tranerolcr. 2t date the ocirti byw Trani ka"61", or in amy.herfcmrr mayri crediries; ofth2 dqwe renenethei t:ahsoajon is ­—ed or 3 frs: calw day rfd,n bil"; Feria'. :`oe urees ace ­ o, eve y mi Do you Process Paper Checks as an Electronic Funds Transit, rtyrni Of or. poi,essed it one or n- u 1 ­Js paij, fuili, Fin, r. rs you may inere 'ni even i you pay arh,e - New w`aJame* o .c'th., wroys:Wmen ybo bo — a ymoli sou mrone, ­; ourag,mete us, the b., did mardo s ` the v.svicrjs nori unpaid mta. schwrpes are zccitil - ,a the orMfF.ori your Ari rform.T.,n To ri ac-w Time K"ll trarso .1 V cri or other elearo� of no nnsfei r, , de�slacou,d. We rrai, 140va,ar, wan'sTr. it. r to notasai; i maxr rSamFS at anytime. aLa usefe Pyri esa cheer arrado.'. sel on cr. i c! nfisrme- Do you assess a Mirlinumn Interest Chi �os, A �,mri,m NFERO Cifiri Y V,% wi I to aa.E. C'sac.l What if I file for UnkimpiRsy If you ate e,* tf-C pig J is —.4 . b'11 period Your account is s j1pri to an interest change. T,jy. 11 is not an atemip. to odle" assess o r recovar a debt or cialm. Do not .,it us payments woriou: speaking with Now do you Calculate the interest Charge? We — a ini Jfed Ave ace Daily Emit- lmdw nor new 1, b,,,f,Np"Cyi of nz ja,ze=', I­ d, if you a : T­ azo:f.ey would 11i ro contort "; parcuptcy darns transtaxztner. Jni :'iis mstfi we fret ­ Y dal" ere: 5agirr-ent, 1: take �a bean r; t . i ior ce ­A­ dre Ay. pleo5i Ord- PO Box XV8i - Sol 1,1k, PA 1 01 and add in new irrrisai and the pe interest Thai on eer previbis days balaroo, thisn 2) ;uttrri any BILLING RIGHTS SUMMARY (Does Not App(Vto Small SisinessAc0unaI 51 day. The result is The dailytalriitce',ur eaJhc saQ,nand. Ild-ve.r, i' you What To Do If You Think You rind A Mistake On Your statement: pu thin. !,here is an arror on Your pald r o " r n e ' r o " ri boa— " NVcr il your pajaicat v- ­6 n a credin newiv—o—, vNch X': st 2 _s_Rvr to to oat to ypx bui or Pcca; iai ar, rrotadod to Ge ci balaret. A'so, transai Thor are 5 to a grere period are rrtadd4d the daily belanots. Capital one Nord. I, find y= Allge Dlify i1oh'ice : ;' add in- dailytoda-, spi fi si a'd 2 c da- 'h e so, L.) Bo� Siy.;P5 vne monbat a$ day, I,. the billing �'rt Lete cry, Lit WHxm6 Al Coe ervoci billing cycle, wa deoermIne your I.AerastChafrige as follows: I) rutjody your Aeace Czily Pi In your letter, give us the felloi infDrai bytes daily rte (APR J,vi tV3() forThel sogri and 2y .1hply de r esult Trydie trurnt—fdoys intne Axouml jr,f—ed- Y­ rann — arioul: 1,tim . X, being Fe;ibd, Nr) Due rim iv:-, mtEotcoqa,dhk calrutron may arrfro: 1he ma,strihange '.11o aTrrour The , dollar amzurni of na s"Foe' ewr. tctuollY assessed. Cbr.rnnofl of Phi If You thmi, there is an eroo, ors your bill, es-nbe vhet your bi is wn,q and why you How on my variable Annual Percentage Rate (APR) change? Your Aug may ingsa�,ro or okneaet - on one believe ir o motto. —1- (ni ir The To fii,d veti njirx is Isad f'. you aocairt, you m :..,q W us e r be The ero axe red ci a o- : :>useme It,okfor a Idi 0: u he front T'Ihti statemer, ram To your Artfirs. lber, check the ta be ii You Trust notify us air any poteni orate in Yo�,, may oil i or i us but If you do we are Code intent to your Now do we calculate yourAPR(s)? Whoiry urAPR(s) :''o[ 2quir.d to invsiaY.e any a:wnthal eron and Vou may Nava L toy d]z arcunUn question. y.'a vial nosy you APR(s) too. + maugm(p—lonsfirdiscl—oltyou) will change W',, r K days of our csos i b' of r', lacer. I I'liTti + ri me fret dai Ito billing peipi that While we m*si whether a nt not Tnc has been an error, the following are thio: L 3 ont, U "i f - end in Ja't , Ap.. 11, jely, and 01. We cani Try to col sa The arri I djesu,,, or mpaO you as aolfic,ent . If:,' a -unt or any i pay Or a Se On 3'r cuotim may e :S �, pu s t:temerr, o,d we inty rmn je y i Toren or thot 4�;,: um. 0 PIrr V ni The firstdoy.ri ci 1 , 4 f me iltwe mode a misrolki you will not ave h p, m.vnt in queshni, . .rest or other F mD UBOQ. I -i monthly pi 11, rc pentid. 9 foe r --: J to n et amount Am them Additional fee; aswdated with my acmunt lo s, undee c it', :so­, y, u may be Zs..Ssa s while Y, L do not have t o4y one s q,•,. m u -end you lib's. the ULOIT of opt Late or Returned raymorc fee. Ye may also he assessed Cya if mit fees if toermireed ry!i We reserve. This rigIn to net r`.4Sugati on, you are res bl? for tee romi 7 of your balari assets fees vif( orm,=j. and witric ut ,a ­? or,r right To assess a sifnit), lee i nter. We ar t c I y a , V uni -1 K a � I * ^,]i r. sT P j, c -d limn. How ran hi Membership Fees' If a flar star tan is cjnteTi on new fm t' of ihis sty e—,, T,, mey o, bid Vilb d 5T f c :i o� - re,ei * W j: 10'r. send t ,o j , -ft e, cti:e evoir, 1 '19 he r d'. ., -,a ne - c di ia in. 9D , pay'no an ,mn,al nrinni isiti P fee ny cws�!i no Cus�.cmer So ce no . m more t This t, 45 days after the lost ov I,, tn -q , bf., air", t)i o on yot u' nor. Moe mero or The reason: we belive the o71 1 roc' 16 cor . we aces !�, aide taunt a' by This staterre To o nt cit III taunt jo avoid pai a monthly njointi fee, can't CU-cMe:' Sentri a % ro—F! T we J­ rcu, avxt,rt 6rrt we will sti as . . s- sour cfly Your Right If You Are Dirtathinfied With Your Credit Card Purchases if yor ate olissatlzfed wrii The goods or fee nabl-win .a o Now an I clonse^Aoinouff? You can conto 5ai via ayrdime to,eqjesh T ose r-, A� tne r-nehan!, y o u may h zle right no: t prytne re ,ant .mount dis on the purchase. To use this fight, t foll hr, be Two: 'r 9 that ume, _ elpik-ti any old, 5:oPt t's - ­ t dos,'�, r<ljji b'I',nce bay 6— in" g�'d 7,11"enles. Pit— ni — ttif I— �sa you, -cl car: , cha ant. Ynr _,ni 4t,, You ai LS M &-e t 1. can lose. v111 1 . u ­t I ove —I - r- adi: a - ol v a pi,r&­. Purcla— -de s . J, ­1 advank - ,n a, A Nor —1h o k aodoum,pem. tho i accesses vow c What happens II'my Ancriffiftil `iuspe,& 2 a y beoermnertct'..mi vd,Tr o-ou'll is dosed c, 5.barced yo�, L. 1� stop ucin; Your nedit a,c and a—unt, 2) cancel all 6%no-L, C or destroy 1 cadi card, and ecoess cneii e•d 4) ply all T—rce you e we cs stta i hry rivere crai ed it _ 8 .. �LY2 5 efie oft T­,t -a doseil onus -d. S; I Late C ty, ur zt)^m How do I Make Payme At ary=e, you may mini— oreyi t Intal unpaid oo or any amount in bei far. enti may be made in several wei While we irr yesdgate, the same rules apply to to dibliput2d onciurt as discussed above. After vex Jr our 1 Ci by Pin LU wx..a7alon rrcm .311 locgin; no g at n,i wa will .11 you our d0m, to thtt pol- if wo tini pu ow; a amai and r. i cb not pay w4 .i 21 Ter -a Ph na Voice Pori to SVrro : by & fi - q 80; - KAl and f cwtiq the voice Pic mip is. k�he n Y, j make a : P� s5 'alin"t -It phone pqrri emoign our — response sy,,er,, VO, aoth us 0 i hdare an AH Or elei pryrrertthat will Capital One supporI5 information pivacy protorpow see our wi P'Tess'C', paym-1 V j Calling our isleprars, munroe I xW.c 5 5. tU70 bmi ig your hi �n to , ur to or a Seri 41 Payments try moll snrc , ld be sentx me marline ap provided on the orlm whip I o V'.6 store "11 as TC !/.'(yI 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 E-mail t Alternate Phone ............................................................................... - .......... I ! �� q • statement. Using a different envelope could delay processing. llll, 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. t� Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Cap /ta/ Page 2 of 2 �aPi_ Customer Service 1. 800 - 955 -7070 - - Aug. 03 - Sep. 02, 2012 31 Days in Billing Cycle www.capitalone.com Platinum MasterCard XXXX- XXXX -XXXX -7580 Credit Limit: $15,1 000 0 Available Credit: 50:00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: $15,000.00 $15,166.30 $773.00 Sep 27, 2012 Available Credit for Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions r —N- ' e-ww Balance 515,177.79 — 4200.00 + 5188.51 + 50.00 c $15,166.30 TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was not received bt the due date. To avid 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 i i I I i i I I I i i i i 8oaoto MAKE A PAYMENT. AND TAKE CONTROL Capita` OF YOUR CREDIT WITH CAPITAL ONE® what's in your wallet? Your account is temporarily unusable. The good news is, by paying the JOHN M MESAROS amount due on your statement, you can still bring your account into YOU'RE BEHIND BY good standing. 3 Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service PAYMENTS or speak to an associate by calling 1.800.955.6600. © 2009 Capital One. Capital One is a federal} registered service mark, All rights reserved Page t oft (� Customer Service t- 800 - 955.7070 i( Sep. 03 - Oct. 02, 2012 30 Days in Billing Capita' www.capitalone.com --......._ .... .... _...— ..._-..-.._......... -_— —J MINIMUM PAYMENT WARNING: If you make onlythe minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Platinum MasterCard XXXX - XXYX - 7580 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $15,315.33 $1,075.00 Oct 27, 2012 Minimum Payment I 26 Years $29,094 If you would like information about aedit counseling services, call 1.888- 326 -8055. PLEASE PAY A- UA5`THIS AMOUNT LATE PAYMENT WARNING: if we do not receive your minimum payment by your due date, Credit Limit: $15,100.00 Cash Advance Credit Limitn$15,000A0 You may have to pay mate fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40 1 %. Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $15,166.30 — $0.00 + $� + S15,3� 1533 — You're behind by three payments. But you can bring your account current by paying the ��� l minimum payment amount on your statement. If you re having financial difficulties and 1 you're feeling overwhelmed - we want to help. Give one of our associates a call at H elp i s Avai lable . 1.800.955.6600. You'd be surprised whit we can do together to work this out. E TRANSACTIONS Just pick up the phone. PAYMENTS, CREDITS & ADJUSTMENTS FOR JOHN M MESAROS #7580 Call 1- 800 - 955 -6600 and a specially trained agent will be happy to help you check your balance and make payments. FEES Total Fees This Period $0.00 INTERESTCHARGED INTERESTCHARGETURCHASES 5106.88 INTEREST CHARGE CALCULATION INTEREST CHARGE:CASH ADVANCES $40.15 Total Interest This Period 5149.03 Your Annual Percentage Rate (APR) is the annual interest rate on your account. TOTALS YEAR TO DATE Type of Balance Annual Percentage Balance Subject to Interest Charge Total Fees This Year $140.00 Rate (APR) Interest Rate Total Interest This Year $1,495.13 Purchases 11.90% $11,133.22 $108.68 Cash Advances 11.90% 54,105.03 1 $40.15 j P,I, D,F Variable Rate. See reverse of page 1 for details i PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 00000200001075006 iNE Account Numk Due Date New Balance Minimum Payment Amount Enclosed Take advantage. Take control. Oct 27, 20 $15,315.33 $1,075.00 Manage your account online at www.capitalane.com PLEASE PAY AT LEAST THISAMOUNT Make payments Review account information Manage your account in privacy 400006 JOHN M MESAROS 3917 R XBURY CT MECHANICSBURG, PA 17055 -7023 Capital One Bank (USA), N-A. P.O. Box 71083 III 11 III (111 "'111111 11 I III I I 1 II "III 1 1 II I Charlotte, NC 28272 -1083 nlllll' III" ulll' h' llllNl "Iluh "II'I'fll'll "IIIIIIII'INI Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. cut 01 How can I Avoid Paying Interest Charge lecl, rusn.to ,­ coyyur Galan e in full, y,-,, vvdl la, , When will you credit My Payment minin urn grace period of 25 days vitf, no incerect charge on all — Ii 2) N obasfe's, 3) coeot! 10' d"I'le or over the pincou, a s ofile business day we e-P r, as lung as they are rale by 5 p.,,. L T. pachases and 1 .) other ages. 1 you have been paying Your a in full with orb interest charges aduNd end ycu for malted paymirr;, as of the business day we r eceive it as lung is: 0 you send the taubm portion oftn's do r,at pay sour ­3 bill in full, b interest lavq's V,1 C P"'ne nc Q­ nnic" on oa ad aces, slat erne, , nd y, v cireck in t unclbsir! re-it,,nue enid,pe, and 2) rur boynnerr. u, :,.id in one of Cur spattl t—fe,e, or on a,q ^eve .a -ut- v fi- , i5 an 'noud _ clan_. bam tilL p5o,.roejq ca— by 5., m, ocal time. Fle A koil (TI t.imeo says to rrad calmly. makdf pas zits How is the Interest: Charge applied Imerer, chuges, ac: f mrv. the Q core of the trareacicn, 2) daue ;ia received by ue at any other icajor. of Ir, anymher 'orm may wt be credited as or d ie day we recew the.. t"nso'bar, is prove . " 31 fr5t ala'e. cY of fne th m; Fericc. -nLoces on veryur,pi arrount Do you Process Paper Chocks as an Electronic Funds Transfurrr Paymer.ts Y.- 11 be pre :essec in one or ;m 1 mr! , is pall In fdh check I' is means you may DAre irace, craoge:z ever, 7 you pay �re antre 1 1aw sakrue doe mcn't, mays: tMar: you D—J- chakn . of check to V. a bynrenn, Y" dxzwa . u, c, c[ 'agen Use the but did not do 5: 'It line crevices March, Jrpa,4 wterestchar are z do,d tt. tre proper segrrentcf your A�.-unt inbrmztron 0 make , ore nme X11i tiarso-t-n of o"rer electronic fund transferfrom your d-pcsrac:0u.ru. We may I ic—Ar, we reser. the dgh:w na'asseis inrarns:, crrda5 or caoy I me. also use rt,J inormatic., ou the payment as a &Rcktraraa1dr. Do you assess a Minimum Interest chance? Yes. A ravrnum FJFRL:l CHXi.: W, VC 50vail be a cased •c' e_c what if I file for Itankfigpley r you am erfiled m. pro.mlo" -isi b l:ng period your ocaunt is 5iteato an interest charge. only, It is act an attempt to cclleit, assess r rerovtr a nett orclaim, Ceo P:teeod us payments wirnnr5Pe1Isng with How do you Calculate the Interest charge? W- use a method caller! Avtafage Da,ly Gultice 6rductra ov,v., Yo bun-jD-qprtDrne yen t1e fydu or yoj-a-,,rreyv,,uIJI;Iv rc ontacwInnituiptcy d6ms I Unde ss method, - qst - ­1"Aa. Ycjr d", a n.,ce; read sea nnKit, - .a 3 oea,ct service, ciru.ly, pleas - ccma,t pre - P0 %, 302g5 - Sot Otte 8 I 2P5 t. card a-1 in crew !­ulou and the periodic Interest cn.- on the pmurus days balance, tor. 4 sLithatrc any BILLiNG RIGHTS SUMMARY Busi ness Accounts,) Payo.Rors and cldits�.r that seqmv: as of t not us Joe result is he daily baar,e for enc• sap­rt.. I ov,,,rvef. if you What To Do if You Think You Find A Mistake On Your Statement: If you thint: there is an error on your cold you, previous rr,.ztS balance in fr.0k, I your bauce wave mor a: a dr.. n'pu,rj. —, 1ra rsago ""ncl- ps- sat jrre,,t,,,jo 0 a a. to yart bvch.ose or spen'l wofnz,a not added to the daily baluas. Aka, trmsacto,s cun are subject no a gmce period are mtadd a: tne daily balances. Cabral One N , e ) d , t find ­ Ave,qq Ekla­ ' � add the daily tal5r, tocertce (b, each and"; drlde t�- ­-, by 11 ") Dcr toe mm �le, T Vday, !-. the, billing cde. Sc it La ke C my, III W. I " CIN 65 At the en.1 .4 etch biihly cycle, At lar:ermme your Interest Cr,arcp as follows: It multiply •u—Vveracie ftedy VaWra in your [ever, give us the folloyl."12 0srmator: by l, defy pe.rcc:', rate (AIIR d, by tarourt rag—L ald! 2; muFply it. caul[ by 6- lumber af dby,_* I, *1e A �0-jun 1fC­:Jc7 - : Your ame on," arbolm nunbec b n:,-: )w W:, -rIni at a c� fiJ� cmL -., may vanjuo me -le iest ctiarce . d.i1 av,,,taf the strFrb-cle a, d r ' 1. acturIfly—sed. r)es-ripcicn at Prnlam If you Vnin,t t i-en e•rdrcr, your till, de.rte v.n ru believe Is vvrcnq end wry yd How can my Variable Annual Percentage Rate (APR) change? Y may increase based or. one believe ir a t,� the; I.E . 1 You a : , g nancred ­ice,6ass- G in The t4,o11stwt;pumor,. To; �d vin:rn iodexis sedfa , r couvi, *cu­sacaiwurz vii; , n6Cd,ya`cer* arof abbc.ar­,Jd1! look fora brt„:,:ode on, yourAMirs'. then LtieKllhatabe tei,,,: You m.tul nouhrus, Yam potential errors in wtinc roll mey call us or p elebrancally, but i YdJ do � are Cook, next to your Howdo we calculate your APR(s)? WhenyourAPR(s) not required to inveng'T's any >anerval u,;c,s and you may have to pay the amburtt 'r. cuestlorr. We w n,I'y you APR(,) Indent + margin (previously disclosed to you) will change r vri. rcw rr r, K d ays of Cur 'ertn- c you, ?�a - fti-.aRara , oulud", The first c0V of the 1:1 ill, j percds that While we Investigate whether or not t has been an error, n" folicnq a re toz 3 cnthLJEJnR , macro end in Ia n., April, July, and Oct. we caret by r, al ect me -ount it c.aronv or report, you as deli,clerr on that , mount no he c . s qp,,;c r ay nar cr Your may , m rtr we "'.till elo cw le you nle rester tni at ­ur' Prime Rate � ."clin the frit bay of etch D4 if vet date !,atwe orade a mistake, you will not nzw L pay the emoupt in qjest-cr xiyinsmrtcr over F i mont DOR I mer�in mommy billino Derrod. leas related W that amount Are them Additional Fees associated with nj account? Yes, under .;mn dfc.71c1-­ Y" may tre 6s=esseb a l•'de Vat, do not [a, t: bay c- Lrrourr, 1. quay toi v, tend you axe ancs the cut-2 c` our Late or Returned Payrnent fez. y•u mqaIn be assessed (NeflaffiI.,se5 if purmillred IV law. We rearve tne right to net Imes6cedgn, rL are ris for the remainder of Your balance. le' WIZ'.0 A.D.90 r nutia and Ylftut We "M Cut ueht to assess 4 5 ortal fee later. a a, I,- a- df, un;acarnovta, rw o- flowce.fAv.1dMembershipFues If 4r. vd - lane .t :. - LC „' fr n :°n vum yav - Y.tm der feu aorta e xa vent chip clan rat xa.: ,sect.: d:a we cc r - _�C lye paymigul al rrembarsNp fee bycontatring crsymerselvor no more tr s 5 days afrar the actoiy I tee brl Iq cyle cv ere- d by thus at-: en tc veqas: that we close your ocaum to b.id payirq a monthly cab= shit fee, Your Rights If You Are Dissatisfied with Your Credit Card Purchases. If y,rJ aye di-bl- wth tlx curbs or o. act �csucra So'— "Vine, v, rede� -`.at we dose, V-u, will sti, ae"so ng your -rdly fee ya , h- peo:1 Yarr yo u! cr a : r You h tried I, so baucatre bV.1em mr t,e merchant, you ray nave ne v;h n :rz t 1p- y te tar .car ni,g tmccumt clis on rs oxchase. ILL we this m0t. vii How on I Closeallty-Amum? You an anta-tOV:,mer le )(e ar.viure mmtI - dose — account. At ii-iiovmg must be true: truttirne. well explair. any aldhr4cral steipi boa ur, closure, irchouirc cohnce paycr­ itrctmebai and 7,me i $. .f you usa your aa.t W two I , 1,,� ­ t eA f puncn,� k-h— rnnj- �, tf� o,,h ad—e f-d' a,. A. u 10'r , Me— note t.vt rarvc —argez paetto vc—unlafnirybuu—stclazo an beebyrut you _u dr x cle'llctha.ueSSam Vourcrodia'da"'Vint, db VrCit all 2) You -. cz yet haw fully ,a: for tre puv:ruse. What happens If my Aamunt Is sum , peon o We m�-,y cl,s a or �uspprrli rau u caurl r.-O yau rial-z obtan oadit . s a n y'�Te aic fsr any na­,u ever e. you are r,.. in default k�x. susp-nicr, con be permner.t or -mp-a- Z11 of it a S12fia above. zn? .” o"d you of- �_Il cf��, Yfsfzd wth do par Joi,c nit us �r vi your a-:ourat is closed cr suspended you musi, 1; stop uun;l yaw ced4 ca;.- and account, 2) cancel all auxcmapc cepital One Payment, 3) destroy al' credo cards end access Cre,'JI, and 4) pay nil arn. urns you ­, us Ever, if inqmerr cha!Qed p,f) B 30285 after the acoo,-t — dQsvo ci s.s.Paw-l. Sett Le a City, U I Sri; - How do I make Payme At any ';;me, you mov pay the rinimum payTann, tre rta'; unpaid bounce. or anyercurt in bet,.,aen. Paynerts may be mode in several wogs m ­5bgate, one lane r aps apply to vne c putd amount as discussed above. After we 9;,6h 01,7 11 crille by cc:N ta vN,".a=lb le.ann 'Ind loggirc� rop your =bunt: ""Mcabl, ,, wi roll You our daison. At that omm, I we Oink You owe an arrroj and you do not pay we rnay 2" Telephone Voice Ra ,=­ S by ci -C­ 15-70ic and fbilkwi'l the void= p ,C .Fts. ttl­ You •n.alu, a repay You s calirb ­t phone pyorint t1o'gh cur vice na5prue pf'!Irot, yn, aotorpla ."a initiae on 911 or elect — payment Cat VAII Cqieal One sqpob; mfo,ovatic, m0tcy prot-cion: see Our wrebste be d2!bcbd frorn, yotr b— czuniF unds rncv Ica wi.1ri from Your bank acccut a„o.n aF *%he same day we 0 2O1 1 CaPital One 'adrr, Orc a fude,31N reclsta ed SerVl­ Ta•k All rphu: reserved. Process your pymz "r, Si Callxg at, tekpirona number 1 .z .9f,-5.707) ard providing you infontL*V, to our 4) Payment's by ma sS.uld be sent t, the maling address provide cn the bottom portion of -Js stb:aorent Changing Address? Not quite ready to make payments online? Address ................... ........................................ ............................ No problem. Follow these simple steps to make sure ........... I ................... a ....................... .............. 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 OF YOUR CAPITAL ONE® 500011 Capit� • / what's in your wallet? ACCOUNT AND KEEP IT FROM BEING PERMANENTLY UNUSABLE. JOHN M MESAROS 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. (0 2009 Capital One. Capital One is a federally registered service rrawk. All rights reserver. Page 1 of 2 Customer Service 1.800- 955.7070 Oct. 03 - Nov. 02, 2012 31 Days in Billin Capita,/Q www.capitalone.com — - -- MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Platinum MasterCard XXXX XXXX - XXXX - 7580 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total Cost $15,505.92 $1,420.00 Nov 27, 2012 Minimum Payment 26 Years F 3291164 If you would like information about credit counseling services, call 1 -888- 326 -8055. PLEAS PAY AT LEAS T HIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit Limit: 515,100.00 Cash Advance Credit Limit: $15,000,00 you may have to pay a late fee of up to $ - 35.00 and your APRs may be increased up to the Penalty APR of 29.40 %. Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $15,31533 — 30.00 + (— $190.59 { S15� 505.92 _l You're behind by four payments. But you can still bring your account current by paying the minimum Payment amount on your statement. Need help II ? Give us a call at 1.800.955.6600. well v cork together to find a solution. Help is Ava ila b le. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR JOHN M MESAROS #7580 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 2 OCT PAST DUE FEE $35.00 Total Fees This Period 535.00 INTEREST CHARGED INTEREST CHARGEYURCHASES $113.69 INTEREST CHARGE CALCULATION INTEREST CHARGE:CASH ADVANCES $41.90 Total Interest This Period 5155.59 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Percentage Balance Subject to TOTALS YEAR TO DATE ( Type of Balance Interest Charge Total Fees This Year $175.00 Rate (APR) Interest Rate Total Interest This Year $1,650.72 Purchases 11.90% $11,250.09 $113.69 Cash Advances 11.90% 54,146.04 $41.90 Transaction co n t inue on page 2 P,R0.F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WVVW.r- APITALONE.COM TO MAKE YOUR PAYMENT ONLINE. I 0000000200001420008 C�e Account Number. Due Date New Balance Minimum Payment Amount Enclosed Take advantage. Take control. C Nov 27, 2012 C $15,505.92 $1,420.00 Manage your account online at www.capitalone.com PLEASE PAY AT LEAST THISAMOUNT Make payments Review account information 44 Manage your account in privacy 400006 JOHN N MESAROS 1917 R XBURY CT flECHANICSSURG, PA 17055 -7023 Capital One Bank (USA), N.A. IlJllllrrllllll "'1'111'11' 1111' IIIII111N1111111111'I'll'lll'll 7 1 08 3 ulllll' III "nhl' 1111 "IIu "Illllhl'llll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. U0l d2 How can 1 Avold Paving Interest Chath u i ? Each morxh you pay your "!dew Balance' in (dia you wil 'lase a when will you Credit Aty Payment m y ra•e p ?'ice [ days with no x ,chase an oil now I u dnasas, 2) Lola :c t ansf 3} penal o. Onl re or Ns the ph,na oit e t� hosts coy vre re erca r urg a h y ate node by sip ^�, Elf push sa,.rx; 4l otn sagas. 1 to b"In payir ynurao.urtir full ynh r rhaestcha addl and Vial IOrmailed paymnez fte IbA, oal.it a>I ng as: )youSend the bpttcm paNOn Finis do rat pay ysur next all I, ful o.a:r e nxestn Tees 11 to - sit T IrE s .-e g: ce no-., on.ash ad oas. su r and 1,r tfeck in tn-erclos .,c nslepe d 2) ru cottrient I eceini in o eof_u special hamlets. or or, srry all aar>aee ri .here said - 'a = harn. , prevs,n bilq. pro:ess,ng cemea by 5 por. Kcal tffire I e elolv at ie t 7 Lusin..>days c ail celivary Mailed paymens How is the Interest Charge applied Ink 51 crili a clu fo:^ the 1) d to of ire [rams fior 2) date he recei,ed by us etany otter Han a, in any attar `a. may not be credi•e as .1 the day vz.e ero if... tan>a.tior is prose >_d or 3 1 fi::; .des e" day of ah_ d.1- p a r ree -r .,.narge> a..; u or, "-:y :rp,Id a-;curt on you Process Paper Chad. as an Electronic Funds Transfer ?Oy,.., _ .nil be pro d c one c' two ural It is pa4 - h i s nsans you may asw^.efet en>rgi5 an Fyou Foy,e sr're ees. Jalarse "an Tenth, way> svra, you wows]_ ct cznr c'eck 101.311r, to rats? I aV men:, Y alfia:$ ss u,,U,ag.rstd use t but did not do so idr the oneNOUS ,monhh. Unpaid ir,tarasrcn4rges ant .dried to the proper sa Of your m aunt rhourrao to make a die line A.li tersao on a' other eledaond fund transf ?r {torn wvr deposlocco int. '4 may I> .Yr, we teserw tta righrtto not ?sei5 Merest, Ties eary Sm. a Lc cse the fcm*6(o.1 po Se the ay- z'It as a check transacacn Do you assess a Minimum Interest Change? Yes. A rni m um "LRLif <1lAi.:: of FLtSC will :.e assessed far eac:': What R 1 file for Ram i you ar, eni to ; curo s pre ,ettiar this camn-.urn is for nt r mr, b!Omry period your acourtis ssbecim an rterenl:45 e. only is "te, a';ere t nizin. as o room- a debtor lai Do ,of send u pa rents win r peaking vest" How do you Calculate the Interest Charge? We u. c m=thod ,alp d reraaa doll 9 a ro d -lu' q n yag bankr ry3na yes h a l:Uo ;, If y„.a yu a ar 7vruldil ct' ct .. 0... 6•up[ry claims aao o,1 "rst.a_ulete YOU: a..r, w:o; .:Or aa_n s_g ens I h. ma sgrr:,r :;one .ermnr e, e:dy, as cc,,..t.apiai Doe PO Fkx..n>4. attalsuy... ,31 ...._.. arrd add in new hansao and the pol interest charge on the prom is d zy> balan then ) subtract ;r,y BILLING RIGHTS SUMMARY (Does Not Apply to Smith Business Accounts) pa} ems and crodtS for th.,>ef =r. as of .hat day. r ^e rasalt i the daily batarcofar aa.^ - _a-wo;. Rom ( You What To Do If You Think You Find A Mistake On Your Statement if you think Lien is ac enat on your pod You pre.nusm m.bala— rirf.!eriyou: balarcz wa>:ena or a aa& — .::_acdes >.Pch XK states. w ine to us at to your purhase or spscial ,urcocse segrents are hat acded m the daily b,, aross. Aka, bansaGlorb dh are sublectm I arre period are mtidded 7 tore di balances. Capral one Pi xt,wfirdyvr A'aaq_=ariy l.L,nca::f add 'he daily ta:?t usscathefr sh.eg?a=,r, rid ,.,.a;_0 to tY .at tae Cty, fit' 84.1 K;f -255 the riurnpar of daj: In the billing cyole. at dte endofeachb ,nirciglle,wede;emlr,eyo uric,[ eres[ ChargeasfoIM :1)mullyout ArraceCeilyPalzn•,e In your local. give US the tollowayinfotNaon: by o ne oil xil role lAPRdwded by - dnx s~am.:; and 2)muhxly the sulk by i .:umber aday 1, the � A,:,oa,,,cfor..aac', : your same and a-Un: number. oil ; u period, NO nE: Dte to rourdmg o a n ,m. into a5s:.,rce, din c _ul..cr may ea'y or, ssi ama Calla a: c the du.lar amo:rtcl d u c .. or". a bral}assa -rod. Oes.r,ryc of ltd ;ter If you alms there l .ne:ror on yvt'bll di what you bellewe c wra•g and v.' ^y you How can my Variable Annual Percentage Rate (APR) dtange? Your APR •may inweose It JeC,aa =e basal gr, One `-Elva': Is a rarstaba. c ih :.,lowrr =pd ed r= icas frew,:_c I The LVe7I SYreet.oum #,,. TO C.. :n ioi .0 ;sed.c:y'our aooi trout rs com: -t us withdr, zr daysater use or aa y a,Ir ,:,ement. lookar L—code dines frerte ^.',00[a;eme•rner, ;a your A!97e:. Thee 3sck Uta table betnv: You rs1nolyu of arrviptle YolJ nuy rail yon or nary us elert pnkall but it you do ae ma Code next to your How do we calculate yourAPR(s)? when your APR {s) not regar a a i eslga' any a[ential Tor an, you may hove tog paytlna amuurt Ir euasbon lha v>_II notdy you APR(s) Index+ margin (previously disclosed to you) will change r[r[ ^rcwinr, ?: di f ur. i:,toy -u!e - P PI Rate +ri In fi:tdaycf the ailing perodsdr While ae nee Jgtt.wethe ore aches eernn =art rfIicnNag a L 3 n 0 na.nn and u, J..r., ACril, July, and flea. We.ar,rot byn, rol'___e arri It. cuostar, or epor, you as celinq, ;Er,t thatamunt. or ether PrI Rate +margin The f'3 dey'cf each h h'..3 S, u.srr aI- r, you std rni, and emayc:ennue n a ou .areto t:atac:ourc: F Imon el +m me -1 billing Each But, dye dewr.,netatw_ mad Irni >aJx, you aRl qt ase L pay de amount i n civet n cray,,.rest aa_s reletad m that amgu4m. Are there Additional Fees assodated with my account Ya>, under' _r r d _ ::staocas yr_ may be zssaxsa • a Wnil_ you cc not have r ;ey one !err: .r quesnn :!I .._ Send you a o— abo r. di ouGema of era Lae or Retu rued Payment fee. You may also be rise -d D:adlm "r, fees if permi by law. WE reserva the right to hat ,n'es gadan, you a':= asporeibf. far the remainder of rue Oalon,ce. assa_ss'ees vat ^c: pnor nn'ice and wal walv.r? our ric• to assess a ni la, f Nter. W wr>_-1y a. yuaad ,. ;A agars YOU' crt'G Rmr_ How can l AYUid Membership Ito if a Rr.wal slooer nrrz,1 cot fll': ids'La ru myc'd wi:rr x days ofd e I or yo"; label, we vill Send I lL S wIfti Iti Eli n,.g erne• thwi s.rern.: <d one pr:yng anar. ^sl'hemoeanrpfee by nnrurl atsamxnerncemmore ,h. n a, dsrys aRerds l,,R ay x, thebifnq error ( to appear on ycu nerMeaneno or b e reaspns via belette,n. bill is.ar C. ;vie c 'ere- by this VLmert ,c r-gua - U wo ttose Y ou , aCcsjm. to a n ps mo a month ley Tembo he, .act Cu-c-:�_r semot o: ^p; to eeu_ rat w, Jo your assort, .::c we will stop sits -rg your .mthly ee Your Rights If You Are Dissatisfied With You Credit Card Purchases. I you lion ,s ac wrap dm coeds or a me r „srsnry lee, s c t ysr harz pus a xrn } r Jr a• rod yn hose tired r N' .� o e•t - 'n, ;ne ar r Fan., you ray n ye the u;ha h to ay aye renal Ing ..,cunt due on t7e pj%hase r - use du dght the How ran l clue my Aces, YOU an cont lummer U Vrce an(meo eq:rs ihat we close Your ac:curt A: following r^st be tree i`- sril tpI ranyadd - -rasp 4 a u; dos r lsd ; ;rl paw rvtn nun em r s Phase natq that T ycu.se your aeeitrl'o arees ps,Zayours:ourra.er yoaat us to sloe. t w. an keep y:; ur "'.'vc ..n %sod se tb..k d- 'd p ca =.i':nchase.�ad-v. tot ca >n adman_- a..a.n,u of moth =. recount open. cPeakda, a0ce..e you 'adit .a u -d a,n, der .. gr..B(y, and -)Yp u o yel how fully o for the purdase What happens if tiny a yon rss {>o jede w cu r you rou tzr d yc :dh To obtar credit it raises avy reload uaat. soil ;:.a75.:d yr tot. de crcha ,m w:[us:n w_n aC at wry.' e arc F-3 -Y Eason, ever r yo y are not — d.faal, A_,,u: t sjspansc ,.an s peon_. incr tampp ry yaer arourt is dosed or sdsperded you mots li shop using your act laid and account, 2) .,-at all auxmatix tzplal One paymena, 31 destroy all necx,ards and a,oact thecks, and 4) pay z11 amounts you owe us, even if vie to cha,ged n,^,. Box 30285 Site thew rt was dcsed or ssspani ;ah Lake C' hy, Ut W f'0 2P,5 How do 1 Make Payments At anytime, you may pay the minimum payrer; the total a, paid aniance. or soy amount I, betvreei. Payment, may be mach nseveral way:: Yalt we irrre the sane roles u .9, tog the dfputed amount as discussed ­w. After t fy our HC h:e by gc t:..rv, =l i m3nd logo rs ma y__r,. ounK !nutsa b n sea +ill tell you eurda,i =ICn. )d Lmo: wr ^• fa_thlr,k you ewe xn amoun'a ^d Val des net pay we -ay 2 a phd,a Vol. Response SyEt by d0ing I41)3.S 5-7070 am following ma voice prompts, fG.n yea make lopes r as„eli ,cart p!,ore payment through our wKe response sya.am, ycu aurtlnr¢e us to isidate an ACH Or eli payment that will tapkzl One supports informaccr dayaey prot=cdon: see our wbsle atv.^.vw.mp!zkre.ron be dedred from y o. o_rl_cxanC k,,1 k,,1z may bevarrr Tfrom ycm b- :cao.c !as so a..n sang = coy we 020i Ira -r:zl one. .a.aal Ole is a;e eal.y.gse,ed saroi.. nark. at rchts reserred. process y pay- . s) Q11irg our telephone nuni 1-9ui 9i5 -7C7J and dra,4n0 ypur inlormann is our to D— ritadva; 51 Pqr ns'va nail shwldb=_ sent a nAmq address pro'ced cn Ue bosom parson air statement. ;'tUk3 ?7styti 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 L ? statement. Using a different envelope could delay processing. Address ............................................................ ............................... • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink. number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Capftal Page 2 of 2 —� Customer Service 1. 800.955 -7070 OR. 03 -Nov. 02, 2012 37 Days in Billing Cycle CapitajQne ° www.capitalone.com - -- — —�� Credit limit: 815,100.00 Platinum MasterCard XXXX- XXXX -XXXX -7580 Available Credit: 80.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: $15,000.00 $15,505.92 $1,420.60 Nov 27, 2012 Available Credit for Cash Advances: s0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Ba lance 515,315.33 — 50 _ J + 8190.5 + 50.00 = $15,505.92 1 TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. i I i I i i i i i i i i I I I I I i 500012 �P' ' IT'S STILL NOT TOO LATE. / what's in your wallet? JOHN M MESAROS 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 5 Let's work together to find a solution that's right for you. PAYMEMTS You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. 10 2009 C rtpital One. Capital One it a federally rei istrred temire mark. All ri#Vs reamed Page 10' 2 Capi>ral Customer Service 1- 800.955 -7070 Nov. 03 - Dec 02, 2012 30 Days in Billing Cycle www,capitalone.COM MINIMUM PAYMENT WARNING: if you make onlythe minimum payment each period, you will pay more in interest and it will take you longer to pay of( your balance. For example: Platinum MasterCard XXXX - XXXX -XXXX -7580 Payment Amount Each Period ff No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $15,693.35 $1,764.00 Dec 27, 2012 Minimum Payment 26 Years 529,194 if you would like information about credit counseling services, call 1- 888 - 3168055. PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Credit limit: 515, 100.00 Cash Advance Credit limit: $15, 000.00 you may have to pay a late fee of up to 535.00 and your APRs maybe Increased up to the Penalty APR of 29.40;6. Available Credit: SO.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 515,505.92 — 30.00 + 5187.43 + 50.00 = 515,693.35 You're behind by five payments. If you continue to miss payments your account is at risk of being charged off. Please don't let this happen. If you're feeling overwhelmed, call us at 1.800.955.6600. We'll work with you to resolve this matter. Help is Ava ilable. TRANSACTIONS Just pick up the phone. PAYMENTS, CREDITS & ADJUSTMENTS FOR JOHN M MESAROS #7580 Call 1- 800 - 955 -6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 27 NOV PAST DUE FEE $35.00 Total Fees This Pedod 535.00 INTEREST CHARGED INTERESTCHARGE:PURCIIASES j S111.48 INTEREST CHARGE CALCULATION INTEREST CHARGE:CASH ADVANCES 540.95 Total Imerest This Period 5152.43 Your Annual Percentage Rate (APR) is the annual interest rate on your account. TOTALS YEAR TO DATE I Type of Balance Annual Percentage Balance Subject to Interest Charge Total Fees This Year 5210.00 Rate (APR) Interest Rate Total Interest This Year 51,803.15 PurchasesI 1190°'0 511,399.01 I 5111.48 Cash Advances 11.90% 54,187.47 S40.95 Transactions continue on page 2 P,4D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO VVWVV.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. ! 1 0000000200001764002 ca, - I Account Number: Due Date New Balance Minimum Payment Amount Enclosed Take advantage. Take control. Dec 27, 2012 $15,693.35 $1;764.00 �J �� Manage your account online at www.capitalone.com PLEASE PAY AT LEAST THisAMOUNT Make payments Review account information AU Manage your account in privacy 400006 JOHN n nESAROS 1917 ROXBURY CT MECHANICSBURG, PA 17055 -7023 Capital One Bank (USA), N.A. 1 1 1 1 1 11 1 11 11111 1 '111 "1' "11111 Charlotte, 1 3 NC 28272-1063 n1111 1 "nhl'Ir 1111 "IInIr'll' "Ilhlhl'INI Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 001 01 How pay Ya" - P�­ UaJa,-.-­ in [0, P , vill h , When Willy.. cmil rani um gnl�e pekd a' �'S afays ma, no jms,,st . ha,je on eli rew li purd,ases, '.1) baia,ce oer,slars, _kIly-Laymm? purchases 6n;i 4) other clal oes. 1** 3 ) 5;�cial far onhlle a, over de ph as of V'e busll�ss day w ee r. - P'j tiar a n payi nc your rccum in full - Ait ter inta,ast a hy t te a ,, 00 no P" "" bill I, full, ip­ i1orest hLpei i � and YCL �p' �adsd payms.r�; as af efe ? - , I , by 5 m E I, yoJS pay wdl be Lssese-o, n.c. da , , ij _ i 4-1�19e' cash aw e H . ow Is the Interes I t charge applied, 541� ul l alorQ fm a p,evious bit l. rl oent'r by";.m. locallane, fle as, si D l 'al buSirlissean'tJ Mail delivery. roared. pyrr . marep dap es a e flarn the !I de re of he trafis 2) received byulzatanyo:ref loon 1, zp,_.erf­ Van ' s "O"I 11 P­ 51 K -� 3) 6 '5t cal'-ob, dq'fln d I Pa'ild. ln.;­et harges ­,e o, e ,, Fps, am"I at*7. h,smiarfFu,.yb_j,, - Do You Proms, Paper Checks as an Electronic Funds Tmnsfen? Fav - 'er Charges ever I� }n u pay 11ii enve - ,%ew s'la �a' on' yments vvll pe. pm,'essfed in one of tx but bid not do zo ',or The �e`lcul romn. urpai� ; �- mcah, Im Ya: Wherl Yor p. 4che-kor chok nialm5t to Mac a xymena, u arunprizi u� o' ou ogfn to use d;= levmIA we reserve the pta,,,is , eres � cme'4r�chllws are eloped - ,a :re proper se.colert of rur Alocul oq� - E f, ,d trar,fer I ­ }­r depos t —p.­.. ifje -:ay al =o se me a, , pfo at eaymlaT. as � �lrck tr—ancn. Do y ass ess a Minimum Interest Charele? Yes. A r'nim';O IN 71 RLk I Cl (Alia a' 50 %aill be a5zEssed - 'of eacll What If I file for 02ontipM if ' periad youra=unt is 5jpJect L, an mleestchar�e.. c,ry I is le:an a callect essess )� M�ow al rebtor O)jm. L)o mt send us pa ems ak ng vx If you ere eatidid 1. te*u�vy pro letup 1, this oommunil ircr. is *,a i RI—tt r, Now do you Calculate the interest ch y- M sacs 1 — I el ate? "" us a reth-ai ollf�d AIP c�l Da Rala— (rr�lx o re,, yax n- Y a "IE LI, I)ta;:ephqp��r !,o servic. 6dy, plfa,., P ine I cl �Ivct c do�, and in nevi Varsll and irs i� `ta C api�al Ore - PO k, 30285 - Sol[ la�, Or ty. JT a I S 02es pe 11pelist clharoe the prove us e b oaYs isalanioll, ben 2li : Ub ` iraG any BILLING RIGHTS SUMMARY (Does Not AcjpPyro5m�jjjfyj1if-A— n I r­ere,1i,,d­.ea1jyba 1."� u p, p6dyols 'seve t I Yc' What To Do If You Think You Find A Mrs.. Go Your u a "edr. o­�, ,h,ch pb,� St a t emen t : �4 YI, thn� a c?or an your to y-,,r lurc�ase of s., I a D s me Te t us 4t: a give period are ro , tadd al Q a t: �, daily balances, FpW One NM t, find y r Asilacj- Wily Baj "; add - -, daily tan. ­ poeth,.,- f a ,, 6, a th . ty P.G. kj, Y285 the num'oa; o d1syz , o billng del ?. Ll At thi. enj of each UII rfy'}YIC we re IrR Wur I cer�t tvra? eDaws i uh pl} tau' A c Cady &il rte in W left_ aiw us rh [ :tau rD m rm r r. by- L, thin ph do e l I, 'jlh a be �f Fj e ri,, bq, --h. 11ri p0ad. %GT Due - .a J �ul­lq ., a n"iM. I M wisies'. C your—'., nzlae, this al ­ . actually as a nd. n;e iT.E is[ charge DjIjr­a,Jm III, [of amount.f the suspect 'eal error e Rat , des"Ibe vyI� you belies,_ 1 wrc% end Wu Wu ow an Variable Annual Percentage Oes� I -d o of Pro you think Care c on 9 or till (APR) Change? Y NIR may in­­e c! sea an a,. beh4va i a murk?, , :fi . . . he StwOof-all. To dix is sed Your aucurr, your vsloceact svAtNp6C- d�)Y'- herme era apoearedar year statement. aim -lo look l o� a tea F As C the Flo ht o !hl, stalteman, ne. ru,� YOUr AP;Vi,, be,, ji be bw: Code Iron to your You must no' fY us 0' anv poilifilid erars in Yp, may toll-3, 'alr 4 but �f you do w, a He.d — calculate your APA(s)? When your APR(s) j any pc bar e:ors and vou ma Y I ave ta bej n. m-ut ?, W 11 " APR(s) Ind. - - (previously disclosed Will change r wrtnq r; 3 days of our re oij o a' Y", Ia . afV To'. N flare - mamm The Wet nyo tl billi pencei tha: Willie A inves1gate ,�edhef or ci 1 ha= been as e ,,m rrar, - le falocg ma :h UaO t ed rrn erd ip I- A01, July, .,d ()ct, We by - -alil -'s ow Ill" in. � �afJol, 0' raporr you as cel - cuent -n tla*, a.�ount D ve R" t aritir, [he fIrstdayofewl, I V jet, c h , be you irterist or, that ama urn. M7 month MR f 4,J,, ma billj`c peat. 9 4 if vac deg :re that we made a rms+sip,, You vill not c re to pay the rx-1 in plles or fly i. rest - 1 .' ,he, Are them Additional Fen associated with nly account' Yes, under benn you may hfe5 - to Jl tula­ ascesse a nile y e Late or Rnu,nee payment fe you m also be 0 n rave e M bay me amount In q,ispan a Pll ev, led 0,effirm; fees farmimc; by law. We ese the tightl,:- o t n,*5aq4Lip you are msoo _1 end you a l the Cull of our a Wit0 D10fAbJCE ald 114,oj ­jV,l C �,. as ibh fo, the m a' P'A pZlarCE, Now can I Avoid Membership Feesa if a R a lr� vi I N ad c e ( c 0 e ft C, t, I th emo n . you me W,= car booly a y uncaoarrj agp­r­,s�r limit WWI W'dhin ?D day' Cf Our n?aeipt of yoLr letter we , YAl send You I mmeirt alite lar, I-T:le 6­e,' by this stte,.j,.t to Itheleltdivinvi,ebiring evorfm ao hale Ing einz; tdw! I,* core.r'd me the: le? Cb YouT a�- IT.. To pav, P ,Gcr reasons we l, core fee anyim. :0 �qtua� fa 1,5e yvu,r ac,cuq ml-b-f-p fee W vac fr�p a. r.o y -o rlthly Your Rights If You Are Dissatisfied With Your Credit Card Funchal if you one j1s,,dshed r! the goods or sernlce atYXJ MIT Pllarra m your aidipard anal you have (no in ...d fair[, to the b obsrn wil Haw can I Closaft-Acopuntr You Se"oe 1r(tip to lqusS !h twe d oes You ount. At Tre m-,Chax lr� may have he Jolt p� t: �y the F, dee m: ojej-19 o: - V emariilg amount due o se PI,Lse na at i f y" �. You, - ad,, a - c! Me -, bving T�Ti b� hIi: Misr gi.t, the "Ed ­ ch Nitro �"­Ol,ru4e, vou am, us oclose - m _"t.pe'. C we an ke yout a I You - I t -N-1 red yoIr � �ard `7ri1e puj,.1�5 Pulzhases; made --th In ad—es f­ a, AnV, o� Will he accesse- your ­dtca*j acoDi,m da ­ q, an d What happens If my AppousoLKSpeopeladedo "y e" '. �t v:u ­,rt a•dyad - jqrt 1, �b ta;, alt 21 v au sl ' _ Illy - ,l:' for at any t-me a : . fo� any aspn, e, n i� ,vj a .a r is d-fa,lh. A sasPi can a pemnaert or k-minpre', I f to of J'a urelic 4op, are I'm and Y. are 1,11 azis'ed vjrh the jou%has, contact us ir. wh, at Y% out is closed or uspentied you mu 1 ; F usirr YOW cedit cal.: and a='Int; 2) Centel all buterel"i: pay, is us, m ithe y wer, lylued ajr 4) pal a ll 5 , p ,, yp , one i' afL't` dc a 3o" Nowd. I MekeP-Y-,b? ._yjh, i, m. 't Lase City, Ur V;13 in lbenvee,. Pay maybe ,)J- m,eea,,)s: L,o ot) , aid balall., or anya'rourl y vtuda re b do -Ill?, !re ..a rules lDo'y to • h, ctliputed as disc Red k Afti� Wa ou, 11 Ohne tygc r, to and l000 1 il;a a ­wim. 1, .11 11-ell Y�, our - .1 , : "I" " th Pall I we cvl- a „ r t pay we vy 'Phon' VOICe cYstla dalro I b anc folkwi1q, the voin pro7pts. Afi ypma e, l,, a epor; P u a aer 't -4Ii prune Payment trough our vore response sy-.erp, yo, autlh Mize. �� to 1U :ea ele,,tp c payme't that'vil ( W�l O be d6red ` You! ib�llk a000,j,:. Fu,d, be A1 le sIppo,e pry eq proul sen aj ,,bsto I, r rs"pcass yp' paym r,-, houryozi, ink a py" p tb -, I ,,it a __ (azi-dil cl,Oa ke"Il z ) r 41 A[:,,;;h.tsrefr*d. Call�naOu leer, :c lurnbsF PaYme Changing Address? Address ............................ Not quite ready to make payments online? . .......... ................. 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 he payment envelope that came with your E -mail statement. Using a different envelope could delay processing. Add ress .............................................................. ............................. • Please don't include any additional correspondence. Please print address or phone number changes above using blue or black ink. Last but not least, be sure to write your 16-digit account number on your check. -_� Take Control with Online Statements ents Managing your account online is easy: 17; • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Cep/ Page 2 of 2 - --� C - c ustomer Service t- 800.955.7070 Nov. 03 - Dec. 02, 2012 30 Days in Billing Cycle / www.capitalone.com Platinum MasterCard XXXX- XXXX -XXXX -7580 Credit Limit: b15,700.001 NEW BALANCE MINIMUM PAYMENT DUE DATE Available Credit: 50.00 Cash Advance Credit Limit: $15,000.00 . $15,693.35 $1,764.00 Dec 27, 2012 Available Credit for Cash Advances: 50.00 Previous Balance Payments and Credits Fees an Interest Charged Transactions New Balance $15,505.92 — SO .00 ;187.43 + $15,35 TRANSACTICiNS CONTINUED You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One: I I { f i � I I �, j fi _ � - .I �� { 1 I � I j ., � � i I f _ -. � f i i { . ,. t _ j t l � { 1 I. I I � 1 4 I I I Y L 1 Capit jQ�- IT'S TIME TO TAKE CONTROL OF 500013 whatiin your wallet? YOUR DEBT. WE'RE HERE TO HELP. JOHN M MESAROS 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 ' BEHIND BY you from receiving such a serious mark on your credit record? Please contact us to find a solution that's right for you. ' You can make a payment with our free check by phone service PAYMENTS 1 or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the amount due on your statement by the due date to eliminate the risk of being charged off. 0 2009 Capital One. Capital One is a federally rrghtered reraice nark. All rights reterued Page 1 of 2 Cap /- c ustomer Service 1.800- 955.7070 Dec 03 -Jan. 02, 2013 31 Days in Billing Cycle / www.capitalone.com - - -- _....._ __.—. ...... ..— ..... �_...__ —J MINIMUM PAYMENT WARNING: If you make onlythe minimum payment each period, you 7580 Platinum MasterCard will pay more in interest and it will take you longer to pay off your balance. For example: - Payment Anwunt Each Period If No Approximate Time to Pay off XXXX- XXXX -XXXX Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made statement Balance Total Cost $15,887.80 $2,117.00 Ian 27, 2013 MinimumPaymert 26 Years 329,233 If you would like information about credit counseling services, call 1 -888- 316 -8055. N, EASE PAY AT LEAST THIS AMO6YT LATE PAYMENT WARNING: If we do not receive our minimum payment pay y your due date, Credit Limit: 515,100.00 Cash Advance Credit Limit: $15,000.00 You may have to pay a late fee of up to 535.00 and your APRs may be increased up to the Available Credit: $0.00 Available Credit for Cash Advances: $0.00 Penalty APR of 29.40"!0. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance E15,693.35 — S Op } $194.45 + 50.00 = $15,887.80 You`re behind by six payments. If we charge off your account due to late or missed + payments, finance charges will continue to accrue. Ad now to prevent this from happening. Please pav the minim, rn payment amount on your statement or give us a H elp i s Avai lable. tail at 1.800.955.6600, we re here to help. Take control of your credit with Capital One, TRANSACTIONS Just pick up the phone PAYMENTS, CREDITS & ADJUSTMENTS FOR JOHN M MESAROS #7580 i Call 1 -800- 955 -6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 27 DEC PAST DUE FEE $35.00 INTEREST CHARGED Total Fees This Period 535.00 j I INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES S116.71 INTEREST CHARGE:CASH ADVANCES $42.74 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Interest This Period 5159.45 Annual Percentage Balance Subject to TOTALS YEAR TO DATE Type of Balance Rate (APR) Interest Rate Interest Charge Total Fees This Year $35.00 Purchases 11.90% 511,548.97 $116.71 Total Interest This Year $159.45 r Cash Advances I 11.90% 54,229.30 $42.74 Transactions continue on page 2 PI -- Variable Rate. See reverse of page 1 for details i PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 0000000200002117004 CepflaI Account Number Due Date New Balance Minimum Payment Amount Enclosed Take advantage. Take control. Jan 27, 2013 $15,887.80 $2,117.00 Manage your account online PLEASE PAY AT LEAST at www.capitalone.com THISAMOUNT • Make payments Review account information AQ JOHN M MESAROS Manage your account in privacy 400006 3917 ROXBURY CT MECHANICSBURG, PA 17055 -7023 Capital one Bank (USA), N.A. IIIILIdIII'I "I "1111 "1111' III 'I'I "IIIIIIIIIII1111 "IIIllllll P.0- Box 71083 Charlotte, NC 28272 -1083 u ^Ilhlhlrinl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 001 U2 How on I AVQM Payfng [merest (f _ys C?Cf. m c i c a fwlaic_ r f II. v wit n,,,= a when will you cledtt My Pavrrr�m ] p,rcc y<vr lF no s: -chea d ]I'awt pu.caasz 21S e.a sf r., 3. specie, far ml ra o: Over 'he ph;ro, as oil` >b,.siness day we recz..nf ->^ purrh s= rt, <l otnz c ].des I yro' he, Le ? p your unt in Tull wish r mrs est ch] g s and yb For mailed payo r5, • � f d ub •s day m Yl.a it m lnng lon a ri gate rod m pa uan? if, , do no pay w is ar next bill n full ,�aa ,' mY e<t cSaree v ce os<e ad T e. c g'. o na; on cash adv ca, sta[ r x -: d yar the In to en close r enwlc as, and 2) yew a, x , is received c c-, of om sped uanl arc {. e. .a sc via ere a p.d -.:0, o•: prey r; bl' aloe s q tiers by m ra ]I ime.. — a :I• v at I-zot fr, hu into days Tr tit delivay. Mailed p?ym ?'S b Now b the interest Chame applled> to >, charges a u tom the 1) dot, of ;h oars it r, 2'r d.;e me recarv. a by ]. at any other L,caccn eI air {a er arc. nay rt tt>? ttedited os 2 a? daywa ec ail deem. oOh .0 p I p t.f ies c o 31 first cal ?hwr day of 'r bi I rc period. i ch roe a c,re o a_ y mp1H a curt Do you Process Paper Checks as an Electronic funds Transfer Pay e tin ll ls l' his c 7o.r noy n h r- i:: . r:}rop] s.,re•:Lr., are :cap mt valspmexc r. a[ uro yarl N t oil he r'r he s die -s _ ,oh h d par c intt:ss- ha a s are .,,;,dad ta T e proper m of your A ,cunt Infarm rr d m l ] a one mm A Ill va,,oct i n 31c o,rtt al cr �, 4u d nor t a�ro., t tour dexsf g aoJ_rt. �« may the Ho ter vre reserve If, rgr o w sse s h rvs .Want, a - nvhme. I -D use ther.:.ation pvc hs xy'*eh as reGC tr nsaasor. Do you assess a Minimum Interest Chance s A ='n m Ih'fENCgr ILAC k of £0.5J trail be ase Rd n" a :: What If I file for nBa krum I: tree " lrtl. c to clot pt t cm.erncr, ;his I,: rot 6 c: "ro';,u, H t t a echo a. -- rest char. s an a+re : c rc as zss o r as: debwr c air- lk net send us pay:•rents wi n r oaakng with How do y Cal o the Interest is it Charae7 %A, = us a method calle A race Lally Balance, t�r~I d:ne rK r your bs k'r tcv ] .n= c 'h a crane, b n Und : meth ve `,rt hilt Your ' y - Y an u- v c If }v. Q' p u axe neywo Id I:L c tat y: ,:uptcy dairs - :v r : >-e] s a tr I= , be i. ;r„ -:,.c serac atedy,pl Asa xt ao -l0,e r290 tT s lLaSe =G , L a :, 0275 s r s fort er -::e tie, di ire t h e nth ern] a �;, a e - r.btraa any BILLING RIGHTS SUMMARY Not Appl; -fo 3myl ausmess Acmtrntsl pay n nd c for th ec . r, s c 'hat d T , aP I. the daily b z Qr ach s a er Ilowev? i')G, What To Do If You Think You Find A Mistake On Your Statement: a you 11111 Sere is an _wror on yaw paid Y upevtru mohtS bol r nfd er v„ur balarce v.> 7er, ore "till orlt. ne 5 , ,tmoro Which per rata- e:.. -,n ;e r ua^.: SY ncaa. or speciall ajr,ha, > ae not addd so the daily bala,aez Ar$a, transCra in „ae subl2 a gr�z rand re rett add ,.e daily b,lan es. �Pul Unc NK b find fur Ateragz Daily WIance:I) all this daily baloncu ToortF.rfor each szcnan., ar,d 2i Civ:;a�e cur. ty ` . O. U,,3-XlP5 [he numb, of der in [he Ming - - YLaK?vty, Ul'£s`i rt-_^2E5 Atih eruct e'a h1luor re ed- e.:ire as fGVbv6 ruhib•VouT Ars•ace Cxllvtial•nce i'ycu lelh•girr u>[h ?'ellovrrp in`Q•meucn: by;h d lr o. ncca ruL (MRd dart 4y.aC"1 Q dhzt s,gm rKt muh plvde,ul -br ch ur^be c(ray: in •= A.cou inf r: 7,r: YGUr name am c� a.nnu-'xr. \ . bail! p,i d 6 ✓T,',Lce n•o rr,Ing o:'a ui ., m'etes c: ror,U <caguL or, may varyfa -.e in zr ;5. ch r, (kIL a c - r lha del sax;ur[cl the >u.<xeed e: mr. acb.]IYa« s=a. Ebsaro fPfclem: you minkthere ran errtlirour bill, ces wn my Vertebra Annual Percentage Rate (APR) change? YO: t A f may mr ear= o ea =. bused r one bellow a mtsUe,. 2' [rba what y]v Mile- r wrQ •c a•d wny you How of the to vie rexvc!t rs {Iexhci.'ben IStmet cry. To 1 mrid "n r h ndx is used 'of your acruvrt, you rs ac—t u. vatH Clops af�,r;h e: a- der >d on }], :„ amen;. Icck n, a ps aodac ,(rza. Co. stiterra,7 rx ±e yo,- Al, >, lber ae,xtM.,b:. tzkrr: code cv muil Taffy us T. env pc ti l er a s r, Ml IQ a T l otPy ur, cm. i N V btut l(yau do sv?. are APR(s) —t to your Howdo we calculate ( m yl ouraPR(s)> When R(s) ctregrr oi. zd any x •ern]I EI r > -you am. you mzy ay ha to o •v. the artq ri aFsaa APRs) tndez +margin prevbusly dlsdased to you) will change ange n rc vrit wnr.nvdayz cfcry ewfl n)* ye, .c,i o`y^u z`ar. Ri:-,e ll. Jr margrr. Tn= firstdayo(lt ;e tiilirg ;cry -0 =tt:a• While v,•? ime;,icak meth =r or r,ci there 435 Seen an e; or, the 1- 1, 5re ;ru L :month U(111 I T mhh emdinlan.,Apil, July, a" PA cannot try tQ roltC ie m rnt inc fsaon, or repot pu reel:: uFCtsn tfa . -ant. D R ' `m j= h- fi t aye(,acb - h=, ch g r wspr. ]i: ;ymt. s t.. and ve v ^rbnve hug you i : :zrestc[ tarwrd. r 'mahhuUC55 +r—in - crfhly billo perod G it vre det - e - jd umi>,ake, yea, trill rot'ae t p b* arnurt in gas,.,r or any t,xre<t,.l Oder i std be t a^munl Are them Additional Fe e associated with my aceounto Yes under onrain drC - tbruss, }K in., be <es VVads },.0 do no, hays t 1 he - _:r; n an a so i u.:1:l Ys ?n Lzte R nor :rn a you mayal y. ?e; 1mr fNreirtt yaw. l ,,,n. 'e , igr, to c r.estcahon,you a :e rasp) si0 .5. the•er,nde tr 4aur :alece. dY=^a a -:;a aosrd duk.ms of eve a_sa a vac prior notice a.d%,litcul ivna ow tie[ tD asses a :m lml N: , How wnl AVOkl Members Fees If aRer v L9oti[ei ter. dcu d, fm c h- sta' ?c: n,, ru m.yev3id )V `c°r ] IyanyunpaJaTr`. ?t acm ya lr er r, rim¢ oay.r ] almemaxra"e- .nt-tidC - .aryruen^mare:h_-.. d - ysaftrttelst ay is ;fie bll :no Wind,. K days f a.r recrto W,l Rr. wr v'1 sell ,n_ wrmnrcth e.KD a...g i.her tt eccae, scihz wide covered by this srL eel to r.G,y tt , sr clo ? pu x,3mt. I- a"O d paying a mcnthl : o4io fee, er • (to aosor er. , ndx•Swt reno or r as)ns ws b_I .vz me 01l sccr m:sla^t r o e d Caen. ,r Senac= a -pea w rscua- t "at we close your aauwt a•d ne will soap a sasrr:q }roar r:cnthly Your Rigins If You Are Dissatisfied With Your frCredit Cam Purchases. If fassatl red t -n It? old; or g Hi m on <e M - ' , at ya hoe furze d i?r }K ter a. r y] ha ,, xd . a tc u,re t -. e ar To va-n How wnl clo<p MVA �unih YO t.ce - •tC t er�re yr^eoego si` y aeuntA 'f er Fn. {+r ayi .h ?rrht noc lcc r ,e z : :ai,ing .; ;,tint du. oh r,F]v.. use r�Urz rigtC ti= hate a w ?II >FI nano ]ddcral sup toe c u•,dcsu a vcl:rl. - -,aLr a ,kwamo Dlf wingr]s Mtr e Pleas n t f you .se u. Guar: n g, p y t o nd ame:res _ ti t cave x d rK '? ) Y� reocs[tolu - your af•fYoua us ncloe Y's—keep Your d d:a- pc:a PurF.ase. radz v,• ;th ca n]d']ns > „a: - a ,AM a r vmt,a rcourr p n c: c tic e h arc ort aoa r - d n ga lryand what happens li my A i < T r,dadx t e •r yds? r us.vr„ ru rourt a ' your Tight a .tb n credit ou - s c {x F ,, fully,•w far F pur ase t any sa.J fo any -Icon evrc you] n h c At - susp=nti , 3.n as berm art of agogy all fthe Ctaflk, acow.x , ,,d pu a, still orasos.`cod! sad the pu:clssa,m ct :r. w_rin,, at ya r ] u t i d x-d or pct ed ya m SITP oil n` t u _edt c ,; and ,ucunt c] I 11 uuo pa rrea � de troy al c ort and c =. to c .a, , d M1t pay all smarats you rave us, eve may ,r, e cr ed upn' Onz ftr the so. nascics cr susbanded 1.O. Ucx :1211, How do t Make Payments At n are, au,. av„a h= m.:- Sslt Lte ty, Ut&n13.1285 } ' 7 Y= - r �on: tta ,,ruaic t rw, ranyarrc rt Ir cs[ rah )t- :t may ,ad-, it e,aral way Vail, vz ti ; ^e ."a a'es salary to the dFpdhc a - rnt a discussed above. After we `i•tsh our It Orli by rqt vn yr w-t Ft re ]nd leog!rp n,oy 'a^coen[ In.esic_anon yve ill you curd r - -ion. A: iha'wlm fsw ni. -.. Yale —F ac mom -:rd va.r,'.•.. rot pay we may 2) Talelihania VOloe f Pan cv«, by djafj 7 f Ilcwmg ,I. r i,pt n y . rake ] - Lvrt y as err,: t p. or,e pmme y ur l acolIl :. fins r, a? ,� t :ezwm fmn, Your back ecaou tas soaros he s>me da we I !�pi al C, ^e surpot rforraach srivaey protection: see our vnbs t=_ at v,%m cap r. be osc,"d f o p Y w eJ 1 Caa:al O'e Can; 1 D- e is a federal p. all T c pavm t y oat ed azic, ^wrk All i hLs resernd. call rc ttr zl p - ^.er m I W J5Y l' ._d- oN9i du a]rin as to dvr. � vrtadw; 91 Paym - a air mail be .. ; s ;ne msdr :c ad- .cress prcwd,o en Ua Coto,^: poRmn of ;nu staternex C rr:y3 1 =CN71 Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure . ............................... we process your payments smoothly: Home Phone ............ ............................... • Don't staple or paper clip your check to the payment slip, Alternate Phone ...................................... ............................... ...................... • Be sure to use the payment envelope that came with your E -mail L� statement. Using a different envelope could delay processing. Add ress ............. ............................... ..................... • Please don't include any additional correspondence. Please print address or phone number changes above using blue or black ink, Last but not least, be sure to write your 16 -digit account number on your check. tr Take Co ntrol with Online Statements Managing your account online is easy: • Check your balance and view recent activity • Vie:w and print copies of past statements • Pay your bill online Sigh up at: www.capitalone.com Capita/ Page 2 of 2 79illingCycle Ca pj�t Customer Service 1-800. 955.7070 Dec. 03 - Jan. 02, 2013 31 Days WWW.Capftalone.com Platinum MasterCard XXXX- XXXX 80 Credit Limit: NEW BALANCE MINIMUM PAYMENT DUE DATE San 27 Available Credit: $15,887.80 $2,117.00 Cash Advance Credit Limit: $15,000.00 , 2p13 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions 515,693.35 — 50.00 5 — New Balance �] + 194:45 + 40.00 _ 515,887.80 TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum palmant was not received by the due date. To avid this fee in the future, we recommend that you allow at least 7 business days for your minimum payment to reach. Capital orie. i I i I I I I I I i - i i i i i i i i I I i i i i I i i i I i i i i I I 500781 You have new payment opportunities available. .See the next page for more information. Cap Page 1 of 2 —�— — Customer Service 1- 800 - 258.9319 lan. 03 - Feb. 02, 2013 31 Days in Billing Cycle j www.capitalone.com /solutions �J IMPORTANT ACCOUNT UPDATES Platinum MasterCard 5291- 4973- 6184 -7580 Your full balance is due. Any payment you make will reduce your balance and help pay NEW BALANCE PAYMENT DUE DUE DATE your debt faster. The amount you owe may differ if you've entered into a separate payment $16,084.22 $16,084.22 PAST DUE agreement. Available Credit: S0.0o Previous Balance Paym and Cr edits fees and Interest Charged Transactions N New Balance $15,887.80 — 30.00 + X196.42 = + 50.00 316,084.22 TRANSACTIONS PAYMENTS, CREDITS $ ADJUSTMENTS FOR JOHN M MESAROS #7580 j Help is Available. FEES lust pick up the phone. 1 28 JAN PAST DUE FEE 535.00 Total Fees This Pehod $35.00 INTEREST CHARGED i Call 1- 800 -258 -9319 and a specially trained agent will INTEREST CHARGE:PURCHASES $118.24 + be happy to help you check your balance and make payments. INTEREST CHARGE:CASH ADVANCES $43.18 J Total Interest This Period 5161.42 TOTALS YEAR TO DATE I Total Fers This Year $70,00 II INTEREST CHARGE CALCULATION Total Interest This Year $320.87 Your Annual Percentage Rate (APR) is the annual interest rate on your account. ( Type of Balance Annual Percentage Balance Subject to Rate (APR) Interest Rate Interest Charge Purchases I 11.90' 571,700.30 I $118.24 ances Cash Adv 11.. 54,272.25 $43.78 P,L, D,F -- Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWVV.CAPITALONE.CONy50LUTIONS TO MAKE YOUR PAYMENT ONLINE. 0 000000200000000008 Ca l e Account Number. Due Date New Balance Amount Enclosed Manage your Past Due $16;084.22 �� account online. Visit Www.capitalone.com /solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. JOHN M MESAROS 400004 1917 ROXBURY CT MECHANICSBURG, PA 17055 -7023 Capital One Bank (USA), N-A. I I' I Il "III IfII1 "I'I'I I'IIIIIIII "II P.O. Box 71083 Charlotte, NC 26272 -1083 NIIIII III n41rIrIIIIIIIr Iltllr 11 l lllrgr llhlhl iNl Please make checks payable to Capital One Bank (USA), N.A. and mail with this Coupon in the enclosed envelope. Dpi How an I Avoid Paving Interest Charges m yn ,Q r Calan n foil you s.II h r mm, m a E P - days wU m r tees ch r ak raw Ir 2 wh will you Credit My Pavmem p. n se rda dm w n yon be e "' ari r, p a anlcea -cwI7R phere as c abwn,., doy we rz - .'wl a lon they ar made y5pn EI' do no a FaNnc pun a[u court In b ill vt•t ro ire harp a- lietl and yn fair rat Payments. 5 u tress day ue race w r as I . as; y ., =nd ale nm y ,� c; , n` this Is y pu nert dR In full ,xo•a c n erest mama rl ssz Ed l e e' c ga uc2` i,ah ad' a c cat= p.. arz :our k .ncFa r¢mra.: - E vela .:c ' sic transfer c+¢ ry <e z -ars r r n ere Isz : rd- an a - p ru<GIh n. {. recen d r e,>° of at. Now i3 the Interest Charge applied+ to - e d,ange<ac ro,th 1)are If the tor ac a)dto"re recalled ! m / lcet arym er ktaaeaoru lr }c.?nc,m m a'n= d=y n ye Uer," enLs U rsMla r I fAL tl s 31 G. cal dart y of h: ,; I ry ceJcc ; a e h rce a:cu c. e y f rF" a un Do Yon Process Paper Checks as an EkNOnrc Funds Transfe 'atmE t II uE , gr a. un lrr P r -(11 Tr r r: pu ay v=f ms�re¢ vnr}e Pay , e-aa %N]da. cr th, po - =_o;w:c bit did no a , for ne;f sic s -ern p id nttrvs he s are :cried o ,,:e ways: s4 er, you F de acMceor check jrf rma is b r n boy -: en, yrou asno. ¢, .scf our age s u p . th 9 preptrsPgm.nt e(yeur Arcetnt 11falm pram a I�r Vme ACT trarsa<„_na M elcuo-lx and trarsisr`orrur, de re, R amount. We may tq>FVer v1E reseve thR gh to no .sass Eros 'arc a nvRroR. 0o you assessa Minimum tote t ham - 'I, alsa U r... tion.o prce he paY-e 7a a cha;kR ;sa-ucn. s A ni um I R[RESI'RLAS'L a. 4 5J aR tr l e wha H I fTe (o BankmM V b ilr Period your a: u ti .u eat to an r etch, pu ar "kb bankr pty p,r Cdon his m:1,MW ni o r iL on ^rnaa Now ddid you Calculate the IMerest Chame Ne c'I•i'rt p ana x -p t all ,�<,y or re u'E oehtc gar Do roue d 1 ,+neat +.Ynar :_akry:;ntA uk rre nod c,lle Ar r4r t.nykfal nc intend r,=w Yau, banipuyarn {c •, 9..kvpry -. If }o c { a :nywroJdlk e . ct a-kruptcy da, -s tans -bon Jnd ser mit as vre :rte tya :,d y :c¢,.preah eoa n, a..ce ac ctay, Of.— a a <IOe 1.O y ,3028 G.ILrrz 7y.. At,::JE- 'r E: :, a x nd :ti nenoln n - erect n mE an e" preaau Ca 'x:._ cE r i '6Rat r7 BILLING RIGHTS SUMMARY { odes Not Ppply to 5rhall 8,,iless Accounts) w} en and credrs CI M ec ent c had y tilarc was Z th n da Is b tep,ea'Seg ,53 c Wn h r_.� What To Do IT You Think You Find A Mistake On Your Statement :. y, U' n, t`, er 's pall y^mpenlmor hsbaln 'r fb a pn , an erccr on yovr tai y'u p :m 1spew, rcr _se-zn a lo,.cc_d to do daly S,I rs.s. A.:o, I,"m La- ;c R,,: ares •bl=.;;: xrei•10,C r.it. t;uG.; a glee., , ieC ore rct dd,d - o _,e dal y dal= des. F - NeMtofindyourAVemge;ktty(sa1w., 1): Ad 6, d t , tlatar�es g >; - "a0�xr-626ti to ?r m'prn d -h, f reed segazm and }dl 1ES rty gat h Li FYf 1J 3S ys'r ebtl l�g yl=. ya I tt- a l a [h by ru; ma .r AtU rr, pf hbillra ve„armit, } ln;ttast rha scllasYsI -Wor yourM ace Lilly Balnce A`r�- L f- - °our n,, or acmm bu,ber. by hcd ly p¢rrxcra (AlKtaxded by e IforU ;eq I_,o an oS :ul ply'he uh4to nu..berc days1 'n Leila a ih doll Ima rt ofh ,1 e b Ill Perq' NOTE: Lue.a 0,,,,.1a or .n ril tog,, . +cl,aw may r' a,sto rr rmth-e .x, �-�- I'yeu ni- xU, =;, an_ra on a,wal'y as sed. aaknz a m sbt :. tor' t 11, e rror to :vh : }.,u celie.e ?s w :_rood w-y you ds the ha "Davmem Due' a DavoR Amoum> No. NI sated amounts are ewes on U,e dart a the ;txtemErft. Hovz'.er, Y u mus, enact us vriU,�n W da}� a`wr the Egor appearEG pr yau, satemem. berg r t e tare c a e a. c uth r -h gE tigY [hang r day tp ay z < prrvi.,d i e. r w -ou r st c t} s - any r rti rag n v im d, Yea m- r. R u air r:.rYy n t I ! aYbut ryau do vrz a.e - ert E r.: u a: U da u gay . ay Ce aru f I c examGE B you pay th m-1rz s red this ,cf rega rE^ ce :rw any nc nnal er or arcs yaU mzy tie t ,x; '<r mo,nt,r q„esio, 1J. a l) narally }rou s t nn rt your acr mm sti 1 w o balar ce weer you o,.}m r, 5 recerrC Aso ore ma the am yo o .. ows in yr i c wfh i, da} cf cu roccip� of pun re Er may rill r yo v erfem a "Palate Ny ^ent urrang. n nt ._ose call .�. nu.. ter an'n rt tl h rWIT i Whie we yon 2 Jaate ,v`,t r .c, ,Ere ha _.ran _rr;;r ..e f_Il.wrnq ,rc tru `cru ea ro. ^v,rL - 'rw nr ttry.. i. E -n o rEp r.p u cEli q'EnF:r Ur unto Now an my Venable Ann al Percentage Rate (APP) change? vein A s m y to re se c a, „met en p -e Toe n qe r y Yian ain c: you [e a nd a m✓,y c t aue c c5 qx you ;tera<t on Ghat a ^punt. cfR alien r5 rxred :lE rrepor, fie N'(l Stree of mMr. TO d w5:r ode' rs.,Ae} our aom,rt B,C dvEd¢t ine c •t rr ad.amr,aLe yC, voltroLpc,e 6. peytM amain[ Serge o mit ry cvre<t arether look Ia-E, bde ,. ce Efort crhis sa_-en :. nx is you.A•R,,. Then: .. te.x fa tab, bz!sr. 'E A..cnvr = e = to Gote nle sil y -c not h:,w t •+,, - h x::, urn Jr. a1 son c : ,I we sand you - nc _ro at;,r the euc:ems of our Code nest to your How do we calculate yourAPR(s)1 When yourAPR(s) inwsR Rao yeu are re nsr'+p orUerer rnl ra }rour bat ncn. APRs) Index +marg n(prevbusly dls<kxed to you) will drarge Wy core Wy rum �'a c a s pu ae^r lmri: ' (im Y t *grin iE fr,tcaycf th ,n I'. c per ids tM: Milt 9 s (- - - red t a - i : :aft s :d }o wren ncR a exoa iaa either thane wno ad [`ne i mayor, LIBOR h Targia erdinh :', IW /. and Oct fro �'(tnappearGr yl.Yrn Ms.1?mErCvr ¢rEa :n :n5W?b- 164,:L all u.oreC. Your Rights If You Are Dissatisfied With Your Cred¢ Card Pu e nce t e oME rzhas es. II yea are disz;G,':red wlih U,e goads ur Pnm one aarn:n Tne fi t- x•et =.cR vrues t you h pu a d wl n p- h h a m yc th. om vats t ' mangy r t rat- f ^xm ilv bd c aerfcd, e me char w1 ay :n v r ht no, t a Y he ere ning --r,n[ daa a r x. base. to us this right the Are there nalr �, cllowirq you bctre �_ assotlated wish account un cEran g stand. s, }v: may t ,.< s .a u ,, t i v ,, ! s^ p roman o ft 0. -e ' yrent ea Y : ay x. o be s ed t rm` - r perrt ited b a Yc:. wall I re u rE z edY -1 f ar air . . Iyrrcha.. : :adE w :U ca i alsan.<..1c.. A-M ;; va:h a loyailo- uaou ..mllE•tn=xper If _Oro 1nle5; rEi wdae rotalcwutolleuU e [':k Ua cc es,cr -cedrta oan do n_. quakf and amau Y.. W reserve Ue n to not assess fees endow prior naace and wY o, w.'anq cur rrcht ca a , , x enn,h ) You T s c YO rase f111y Pa d for 1ne pun a;e. f =e let_. ll of to .la abOse are ce:t aw you zr sit ci ,RS.ed 'U the •1,.hfas =, What happens if my uml s ps dndr tope feud - r,v wu aunt erg :r: re no6.sn redt cpblO at any "IE eb an} E asan ever. ryvua r o d=fauh 1^cousc: pons rind • L?t m rt or em uro R ':b L2S You; a gun is d xd r - sperazd yo mvr. ! ssp u r y-w _.edt ca and aaecyt .n,J all �sm�t* tiatLxt toy, LIT 8al?)O"HS sled a ;t' >? a de m-yal ea: ms t+ e c :e , ar,c ,t pay oli .r ns av c•.v ?us, ?r : ..- y none :m a rte di hide v eat O tot a'te - , day z r dspurec re v. 0 After ne n ^'st cur aft;, tteao „ w, <dcsec..rsmcerdel r ; ti aaRanw: , ll ll •pIcutCecsicn.Aia,oa-gifmthi•kr u ovn a•nmouT.ardyur natFaYw may Now I n Make Paymems At only'me, you may pay the l mu :.p =,:,en: total anpaid a.arcga arty a: ^„um exr, }rot xs yuene . ysent< m :y s md= m seva:al "bys: 7)rni.Eb•ca.rctv,v aa,alone.mr and kl rig ina p r=blal; CaPGa O :fe PPI,l, ,riot aid pivasy promdI -b s =aou•cra<,ta =,nm,,c;p taI,re.co^ 17 ToL p. :ore Va¢E RespcnsE 5ysam by diahr t- 130,95SA)AJ ard'allow,rS the ;nee p•am L. lNn? , One. Cgcital One r <e federaLy recisrred 5EW1[E ss;k All rich :L <re;erwd. pone a. F r }v rake a y"r'� -m.gh ccr oaf r tons <}'<f"t you au -enze stn .rre rA. -: pvvrart tnat veil be Beat d from par banit a-cc.:,. Funds ay be v, idraxm. from you, conk account ss sag- : s Ile szm? raS yr Pno :ss; your pym nt at eallno ox'ef,jao anumb= IFX-<5 / 7J rd p.ovidi gyo o:mev., tour rep: =sent - Sr:; a!Paym snnails ^c t_ _....:.em lit_ -_re_, pr ale rU t ti�G /I I To change or update your address please call 1- 800 - 258 -9319 or visit www.capitalone.com /solutions 200985 You have new payment opportunities available. Your account works differently now that it's 7 payments behind and has charged off. Dear Valued Client, You need to know about important changes to your account now that it has charged off. You are still responsible for paying the full balance on your account. If we continue to send you statements, you will receive them quarterly instead of monthly. We may continue to report the status of your account to the credit bureaus, unless prohibited by law. We will also report when your account is paid off. Help is available. The changes to your account include new payment opportunities that may not have been available before. Please review these important changes: 1) Your account is charged off. This is a change in status from past due. You are still responsible for paying your full balance. 2) You won't be charged past due, over limit, or membership fees. 3) You have new payment opportunities available to you now. For instance, we may be able to break your balance up into more manageable payments. Please contact us today at 1 -800- 258 -9319 to find out more about these new opportunities. If a third -party agency is servicing your account, your call will be automatically routed to them. Remember, you can check your balance aci I d make payments any time at www.capitalone.com /solutions. Sincerely, Your Solutions Team Help is available. i Call 1- 800 -258- 93191 I today for more opportunities. Visit www.capitalone.conn/solutions to make a payment or check your balance. i I 1 CYCLE # 02 CAPITAL ONE CYCLE FACSIMILE REPORT 01/03/2013 - 02/02/2013 PAGE 2907 ACCT -ID: 02334825136 CARD# 5291497361847580 STMT -TYPE: ENGLISH REWARDS: N TPC: MP HOLD: 000 SAC -PGM: PREV - BALANCE: $15,887.80 PYMTS &CREDITS $0.00 INTR CHRGS : NEW - BALANCE : $196.42 TRANSACTIONS: $0.00 $16,084.22 MINIMUM PYMT $2,474.00 LATE FEE $35.00 DUE -DATE 02/27/2013 CREDIT - LIMIT: 15100 ;CREDIT -AVAIL 0.00 CASH -LIMIT 15000 CASH -AVAIL 0.00 RPAY- TOTMTHS: 313 RPAY- TOTCOST $29,262.06 36MA- MTHPAY: $533.46 36MA- TOTCOST: S19,204.50 INTEREST -CTD: $161.42 INTEREST -YTD $320.87 FEE - AMT -CTD: $35.00 FEE - AMT -YTD $70.00 HIGH- LATEFEE: $35.00 .HIGH -PNLTY -APR: 29.40% OVERALL -APR: 0.000 CLOSE -DATE CHRGOFF -DATE: COB: 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: 01 MULTI -IND: S PROV -ID: 000001 US PROF -CNTR: 0000000001 COB SERVICE - OWNER: 000023 Superprime OL -OPTIN -IND: TBAL C/I BALANCE AMOUNT RATE CORR APR INTEREST CHRGS JOHN M MESAROS Purchases 0001 00 11,700.30 00.0326000 0011.900000000 - 1917 ROXBURY CT 118.24 Cash Advances 0002 00 4,272.25 00.0326000 0011.90000000D MECHANICSBURG 93.18 -PA 17055702317 US ACCOUNT BRAND DATA - ODS 6 SIMS BRND VNR PLCY ID: 00000000000 CUST SERV CONT PLCY ID: 00000000000 CPN CAL ID 0101 BRND NAME RWDS DISPLAY IND: Y BRND LOGO ID: 001 BRND DISPLAY IND: Y NH ALLWD IND Y CPN CODE : NSC203 MINI CPN CODE: NSMC04 REMIT CPN CODE NSRCO2 ODS RWDS URL ODS RWDS PHN GEN SERV URL www.capitalone:com /solutions GEN SERV PHN 1 -800- 258 -9319 REWARDS COUPON CODES MILES CPN CODE : NSC320 CASH CPN CODE: NSC340 POINTS CPN CODE NSC320 TRANSACTION DATA SUMMARY NAME: JOHN M 'MESAROS CUST TYPE: 0 PRINT AREA: 001 NUM OF CREDITS: 00000 AMT OF CREDITS: � $0.00 N NO CREDIT TRANSACTIONS FOR THIS CYCLE UM OF PYMTS 00000 AMT OF PYMTS $0.00 NAME: JOHN M MESAROS CUST TYPE: 0 PRINT AREA: 020 NUM OF DEBITS 60000 AMT OF DEBITS NO DEBIT TRANSACTIONS FOR THIS CYCLE S0.00 NAME: JOHN M MESAROS CUST TYPE: 0 PRINT AREA: 070 NUM OF DEBITS : 00001 AMT OF DEBITS $35.00 i i TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS - AMOUNT POSTDATE C/D FC CARD NUMBER 01282013 PAST DUE FEE 35.00 01282013 D N 5291497361847580 NAME: JOHN M MESAROS CUST TYPE: 0 PRINT AREA: 090 NUM OF DEBITS : 00002 AMT OF DEBITS : $161.42 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS- AMOUNT POSTDATE C%D £C CARD NUMBER _ 02022013 INTEREST CHARGE:PURCHASES 118.29 02022013 D 5291997361897580 02022013 IINTEREST CHARGE:CASH ADVA NCES 43.18 02022013 D 5291497361847580 - - - - - - - - - - - - - - - - --- - - - - - G i ' I 1 1 i I I I I _ I I I I I I i I I I I I I i a I I I t F 4 i I I I I I i i I l I I 1 I I I i 1 EXHIBIT B i CAPITAL ONE BANK (USA), N.A., Plaintff, V. JOHN M MESAROS Defendant(s). AFFIDAVIT PERSONALLY APPEARED before the undersigned officer, duly authorized to administer oaths, Lola Buafo, who states under oath as follows: 1. I am over 18 years old and competent to testify to the matters set forth herein. I am an employee of Capital One Services, LLC, ( "COSLLC" ), an agent and affiliate of Plaintiff CAPITAL ONE BANK (USA), N.A. ( "Capital One "). COSLLC provides services to Capital One in connection with its credit card and related banking practices and my job responsibilities as Litigation Support Representative provide me with access to all relevant systems and documents of Capital One needed to validate the below information. I am authorized by Capital One to testify to the matters set forth herein.. As a result of the scope of my job responsibilities, I have personal knowledge of the manner and method by which Capital One creates and maintains certain business books and records, including computer records of customer accounts. 2. The Capital One books and records are made in the course of Capital One's regularly conducted business activity and it is a regular practice of Capital One to make these books and records. Each of the Capital One books and records reviewed are made: (1) at or near the time the events they purport to describe occurred, by a person with knowledge of the acts and events; or, (2) by a computer or other similar digital means, which contemporaneously records an event as it occurs. 3. According to the books and records of Capital One, a Capital One account was opened in Defendant's(s') name for the purpose of obtaining an extension of credit. Subsequently, this account was used to acquire goods, services or cash advances in accordance with the Customer Agreement governing use of that account. Defendant(s) have failed to make the required periodic payments on the account. 4. The books and records of Capital One show that Defendant(s) is /are currently indebted to Capital One on account number XXXXXXXXXXXX7580 for the just and true sum of $16084.22 as of 08/08/2013, and that all offsets, payments, and credits have been allowed. This balance is comprised of Defendant's(s') outstanding debt on the date the account charged off (including any pre- charge -off transactions, interest, and/or fees) less any offsets, payments, or credits applied to the account after the charge -off date. 5. Nothing in the books and records of Capital One indicate or show that the Defendant(s) is /are a minor /minors; is /are mentally incompetent or is /are otherwise incapacitated. 6. I declare under the penalty of perjury that the foregoing is true and correct and if called as a witness I would competently testify, under oath, thereto. Given under my hand on: Dated: — Lola Buafo County of Chesterfield,'to wit: Commonwealth of Virginia SUBSCRIBED and sworn to before me, the undersigned Notary Public in and for the jurisdiction aforesaid, by Lola Buafo who is personally known to me and who acknowledged before me his/her signature to th A e foregoing Affidavit. GIVEN under my hand and seal this �O�' day of C4 20 /3. Notary Public • per` A NN y •. Q- ••'•NOTARY•• ;O•p N00000042038412 Q': PUBLIC 043946359 4 : REG #7138503 2 A070 n i MY COMMISSION O % EXPIRES : g NUDELMAN, KLEMM & GOLUB, P.C. 5131/2015 O 2 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson E P R 0 Sheriff 0 TA R Jody S Smith Z013 SEEP 25 Chief Deputy "N Richard W Stewart UUMBERLA @ coupay Solicitor OFFiCE OF THE�HERWP PENNSYLVANJ� Capital One Bank(USA) N.A. Case Number vs. 2013-5125 John M. Mesaros SHERIFF'S RETURN OF SERVICE 09/23/2013 06:25 PM - Deputy Jamie DiMartle, being duly sworn according to law, served the requested Complaint& Notice by"personally" handing a true copy to a person representing themselves to be the Defendant, to wit: John M. Mesaros at 235 Sleepy Hollow Drive, Upper Allen, Mechanicsburg, PA 17055. ft�W � ZIL(LD J IE DIMA TlL PUTY SHERIFF COST: $50.60 SO ANSWERS, x 2x� September 24, 2013 RoWY R ANDERSON, SHERIFF ,C)County-Suite Sheriff:Teleosoft,Inc. PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK (USA),N.A. • CUMBERLAND COUNTY • COURT OF COMMON PLEAS • v. • • JOHN M MESAROS • NO. 13-5125-CIVIL ORDER TO DISCONTINUE AND END WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly mark the above-captioned matter as discontinued and ended without prejudice upon payment of your costs only. Date: JAN 1 5 2014 Respectfully Submitted: NUDEL 'LEMM & GO B, P.C. Paul J. Klemm, Esquire 425 Eagle Rock Avenue Roseland, NJ 07068 (973) 618-0000 NN 122248 t c� rfir- Vii` PAUL J. KLEMM, ESQUIRE NUDELMAN, KLEMM & GOLUB,P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 ID #92125 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK(USA), N.A. • CUMBER LAND COUNTY • COURT OF COMMON PLEAS Plaintiff(s) : v. . • JOHN M MESAROS . Defendant(s) NO. 13-5125-CIVIL CERTIFICATE OF SERVICE I, Katherine Dieterle, hereby certify that a true and correct copy of the Plaintiffs Order to Discontinue and End Without Prejudice was served this date by first class U.S. Mail, postage prepaid, upon the following: JOHN M MESAROS 235 SLEEPY HOLLOW DR MECHANICSBURG, PA 17055-6074 Date: I l6 . Respectfully Submitted: NUDELMAN, KLEMM & GOLUB, P.C. o/ Adecif lath: Me Dieterle, Legal Assistant 425 Eag e Rock Avenue Roseland,NJ 07068 (973) 618-0000 NN122248 C?