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Home My WebLink About13-6405 r COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL Judicial District, County Of FROM CUMBERLAND MAGISTERIAL DISTRICT JUDGE JUDGMENT COMMON PLEAS No.' NOTICE OF APPEAL e Notice is given that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the Magisterial District Judge on the date and in the case referenced below. NAME OF APPELLANT MAG. DIST. N0, NAME OF MDJ Denise E. Deyo 1 09-1-03 Richard S. Dougherty ADDRESS OF APPELLANT CITY STATE ZIP CODE 916 Maplewood Lane Enola PA 17025 DATE OF JUDGMENT IN THE CASE OF (Plaintlft) (Defendant)' October 1, 2013 Capital One Bank (USA) NA Denise E. Deyo DOCKET No. SIGNATURE OF WELLANT OR ATTORNEY OR AGENT MJ- 09103 -CV- 0000147 -2013 9 1�1 01)� This block will be signed ONLY when this notation is required under Pa. If a ellant was Claimant (see Pa. R.C.P.D.J. No. 1001(6) in action R.C.P.D.J. No. 10088. This Notice of Appeal, when received by the Magisterial District Judge, will before a Magisterial District Judge, A COMPLAINT MUST BE FILED operate as a SUPERSEDEAS to the judgment for possession in this case. within twenty (20) days after filing the NOTICE of APPEAL. Signature of Prothonotary or Deputy PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE r (This section of form to be used ONLY when appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before Magisterial District Judge. IF NOT USED, detach from copy of notice of appeal to be served upon appellee. PRAECIPE: To Prothonotary i Enter rule upon Capital One Bank (USA) NA appellee(s) to file a complaint in this appeal of appellee(s) (Common Pleas No. /3 - 6q q� � ame ( Of L ) within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or attorney or agent RULE: To Capital One Bank (USA) NA appellee(s) Name of appellee(s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU. (3) The date of service of this rule if service was by mail is the date of the mailing. Date: 1 0 1 31f , 20 1 3 :amid l Signature of Prot o ary or De ty YOU MUST INCLUDE A COPY OF THE NOTICE OF JUDGMENTlT�2A�IS �F PHIS NOTICE OF APPE L. AOPC 312 -05 fy--yl �? t s� 3 E i C loop 1 OZ �z COMMONWEALTH OF PENNSYLVANIA � Notice of Judgment /Transcript Civil COUNTY OF CUMBERLAND 'fi' r- v � Case Mag. Dist. No: MDJ- 09 -1 -03 CAPITAL ONE BANK (USA) NA MDJ Name: Honorable Richard S. Dougherty V. Address: 98 South Enola Drive, Suite 1 Denise E Deyo Enola, PA 17025 Telephone: 717- 728 -2805 Denise E Deyo i Docket No: MJ- 09103 -CV- 0000147 -2013 916 Maplewood Ln Case Filed: 8/8/2013 Enola, PA 17025 I l Disposition Summary (cc -Cross Complaint) Docket No Plaintiff Defendant Disposition Disposition Date MJ- 09103 -CV- 0000147 -2013 CAPITAL ONE BANK (USA) NA Denise E Deyo Default Judgment for Plaintiff 10/01/2013 i Judgment.Summary Participant Joint /Several Liability Individual Liability Amount CAPITAL ONE BANK (USA) NA $0.00 $0.00 $0.00 Denise E Deyo $0.00 $10,343.49 $10,343.49 I Judgment Finding ( 'Post Judgment) In the matter of CAPITAL ONE BANK (USA) NA vs. Denise E Deyo' on 10/01 /2013 the judgment was awarded as follows: Judgment Component Joint /Several Liability Individual Liability Deposit Applied Amount Civil Judgment $0.00 1 $10,186.99 $10,186.99 Filing Fees $0.00 $156.50 $156.50 Grand Total: $10,343.49 ANY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH THE PROTHONOTARY /CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENT /TRANSCRIPT FORM WITH YOUR NOTICE OF APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SATISFACTION WITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES, OR OTHERWISE COMPLIES WITH THE JUDGMENT. OCT 01 201 � ;• Date Magisterial District Judge Richard S. Dougherty certify that this is a true and correct copy of the recur o t e proceedings containing the judgment. Date Magisterial District Judge I MDJS 315 Pagel1 of 2 Printed: 10/02/2013 9:45:59AM F v CAPITAL ONE BANK (USA) NA Docket No.: MJ- 09103 -CV- 0000147 -2013 v. Denise E Deyo Participant List Plaintiff(s) CAPITAL ONE BANK (USA) NA 4851 Cox Road Glen Allen, VA 23060 Defendant(s) Denise E Deyo 916 Maplewood Ln Enola, PA 17025 Complainant's Attorney(s) Attorney Michael F. Ratchford, Esq. Edwin A. Abrahamsen & Associates, PC 120 North Keyser Ave Scranton, PA 18504 { s f 1 I i i S MDJS 315 Page 2 of 2 Printed: 10/02/2013 9:45:59AM r {°�.I (pf IN THE COURT OF COMMON PLEAS OF -`° E 1E PRO 1`!i040 TA CUMBERLAND COUNTY, PENNSYLVANIA 28I3 NOV -7 A 1I: 25 CAPITAL ONE BANK(USA),N.A. : : CIVIL ACTION CUMBERLAND COUNTY 4851 COX ROAD : PENNSYLVANIA • GLEN ALLEN, VA 23060 Plaintiff : • vs. : NO: 13-6405 CIVIL TERM • DENISE E DEYO • 916 MAPLEWOOD LN • ENOLA PA 17025-2073 Defendant . NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages,you must take action within twenty(20) days after this Complaint and Notice to Defend are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 NA13164 T:x w ". IN THE COURT OF COMMON PLEAS OF r*'•� r CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK (USA),N.A. : CIVIL ACTION 4851 COX ROAD GLEN ALLEN, VA 23060 • Plaintiff : vs. : NO: 13-6405 CIVIL TERM DENISE E DEYO 916 MAPLEWOOD LN • ENOLA PA 17025-2073 Defendant : COMPLAINT Plaintiff, CAPITAL ONE BANK(USA),N.A.,by and through its attorneys, Edwin A. Abrahamsen&Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, CAPITAL ONE BANK(USA),N.A., (hereinafter "Plaintiff') is a corporation with a principal place of business located at 4851 COX ROAD GLEN ALLEN, VA 23060. 2. The Defendant DENISE E DEYO (hereinafter "Defendant") is an adult individual residing at 916 MAPLEWOOD LN ENOLA PA 17025-2073. 3. Defendant applied for and received a credit card issued by CAPITAL ONE BANK (USA),N.A. with the account number ending in 2661. 4. Use of the CAPITAL ONE BANK(USA),N.A. credit card was subject to the terms and considerations of the Cardmember Agreement(hereinafter "Agreement"), a copy of which was sent to the Defendant along with the credit card. 5. Defendant used the CAPITAL ONE BANK(USA),N.A. credit card account number ending in 2661, for purchases, cash advances and/or balance transfers. 6. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 7. The Defendant last made payment on July 12, 2012. 8. The total amount due and owing the Plaintiff is $10,186.99. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of$10,186.99 plus costs of suit and any other relief as the Court deems just and appropriate. Respectfully submi ed, A //A, is , e atchford, E quire /Attorne I.D.Nos.: 86 :5 120 N. Keyser Ave Scranton, PA 18504 mratchford @eaa-la .com Phone: 800-503-1665 Fax: 570-558-5511 VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff, CAPITAL ONE BANK(USA),N.A., am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. ,./orjrr Michael F. Ratch •rd, Esquire 500762 It PERK Your key to more bonus rewards CENTRAL Turn up the earn by shopping through Perk Centrals l Up to 15 bonus miles per dollar I Over 300 popular retailers I Online and in-store offers *MOC SEPHORA ,,w., walmart:;:.• Rewards program features and terms may var.020!!Capital One.Capital One is a federally registered service mark. I P 9 Y l 1 All rights reserved.At trademarks are the property of their respective owners. UNLOCK THE DETAILS Pagel of 1 Customer Service 1-800-955-7070 l Nov.12-Dec 11,2011 30 Days in Billing Cycle 11 www.capitalone.com -- MINIMUM PAYMENT WARNING:It you make only the minimum payment each period,you • will pay more in interest and it will take you longer to pay off your balance.For example Visa Platinum XX)I0000(-)000X-2661 Payment Amount Each Period It No Approtamate Time to Pay Oft Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost 59,595.42 5337.00 Jan 08,2012. Minimum Payment I 22'fears I 416,321 If you would like information about credit counseling services,call 1-SSS-326-6055. PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING:If we do not receive your minimum paynent by your due date, Credit Limit:512,800.00 Cash Advance Credit Limit:56,400.00 you nay have to pay a late fee of up to$35.00 and your APRs may he inaeased up to the Penalty APR et 29.40%. Available Credit:53,204.58 Available Credit for Cash Advances:53,20004.58 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance • 510,444.94 1 — S1,096.00 I + 5241.46 + S0.00 l = l S9,595.42 I (TRANSACTIONS ) 1 (REWARDS INFORMATION j PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEMO#2661 I PREVIOUS AVAILABLE REWARDS BALANCE 18,714 1 14 NOV PA.1?AENt (5350.00) I REWARDS EARNED THIS PERIOD it 2 02 DEC PltfvlEM (S746.60) (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 12/11/2011 18,714 FEES Total Fees This Period 50.00 For up-to-date rewards traddng,visit INTEREST CHARGED www.capitalone.com (NoHaSSle rewards INTEREST CHARGE:PURCHASES 5241.43 or simply call 1-800-228-3001 Total Interest This Period 8241.48 TOTALS YEAR TO DATE INTEREST CHARGE CALCULATION Total Fees This Year 5105.00 Total Interest This Year 53,243.19 Your Annual Percentage Rate(APR)is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate(APR) Interest Rate Purchase; I 29.40%0 I $9,993.11 5241.48 Cash Advances 29.40%0 SO.00 50,00 P,L,D,F—Variable Rate.See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.C-APITALONE.COM TO MAKE YOUR PAYMENT ONLINE. '�►�(� 1 4003447008342661 11 9595420746000337005 `~aP it 6 Account Number:4003-4470-0834-2661 Due Date New Balance Minimum Amount Enclosed ORGANIZATION LJan 08,2012 C $9,595.42 i( $337.00 1 I 1 MADE EASY. PLEASE PAYAT LEAST Forget the filing. THIS AMOUNT Manage your account online • and simplify your life. . Sign up at www.capitalone.com 400011 DENISE E DEMO 916 MAPLEWOOD LN ENOLA, PA 17025-2073 Capital One Bank (USA), N.A. I I I I I I II 1 1 P.O. Box 71083 III II "'I'I 11 'I I 11"1111111 I lll'I' I"11"IIIII 1'I ' Charlotte, NC 28272-1083 .1111111'111"11111'111111111"111111"11'1'111.11"11111111'1111 • Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. cl_NoHassle rewarth -\ PERK Earn bonus miles by shopping through Perk Centrals": CENTRAL" Y pp 9 9 FROM CAPITAL ONE 1. Log in or enroll at capitalone.com/nohassle rIFFictuatresaystao 2.Click on the Rewards Summary tab halikfiligNlig 3.Click on the Earn More Rewards button 002 It How can 1 Avoid Payino Interest Charges!Err,oronth y',u Fay put"New,EA..' Id,}-.,u roil have-, When will you Credit My Payment? u unn'. nr pie/spill A 75 d,},Mt r°lily:t:Purge on Sill ns•1)FM Shops,2t?alert:e trrnulas,3)SFedol •For online-Jr neI the Fhme,a::,t the tuskless day vs c:eive IL',s long as they•ne 11,Je ty Foil.ET. Lurhases and 4)o0e,shayes.1 y.host,teen posing pm u..:out in lull vith m inere>t;harges 44Iied end pu •Fat moiled maned•.v,i Nx tusiurs da}•n'v-eive it us LIy as:I)pu veld lie btUlr pndn,of this b not p,yy-,n nett hill it hill.potobd lobo,hang=_ It..'-'exi.then-i•lL gre.-Fend an.,-hAmines, stotorre lit Mil r,,.M1-kin the enlosedmoldMcl:•v:lope,,d'J yea poor:.l_r:.:_k •I!11..,.'x11 Fp-:Tel t,mt11,or for ow;newtrmsrti011soh.Caere is an rem oid tsl:nt:e?1111 ai:leaOs t!7. pt....si,g:meets ty5 p.rr.i:l!0rI.N-aye=il!ov:;t legit:7)tus:ne=s iiy l:,r r,6 Jelivety.Mello instep* How is Me interest Tame applied?11.1,4 gas v::me 11 the ti dote a1 the ualnardn,,2)slob die c.-,ivei tyus armyathet l;;arnmin,ny other ton 1rr luttn:l.Ite1vs ut the cloy r: reserve them. hails-:Inn is F10:-55ed o 3)tint:v1 1/11;,2,Jay a!the tilling,cried. :hilt-••,::.me:,n esviy ult/tod urt..I Do you Process Paper Twin as an Electronic Funds Transfer?Mot,1.will to.r r.ssed in one it tv.1/i u ntil it is paij in lull.This It eons ill nay Dv 1 irCl mot:hmseE evert f you Fay the ends-`New Color::.an,noIflu. vr,ye:WhS11 pu poride,2:heM of:he:k inlor.=,Cam°r-uc.2112yinrl.pi authurie-us or:rue,gents U lie.Lt to did rut do tro 1::1 the prm,1.11,.teen.Unpai7 inelest Merges vie•d eel o the room segment,1 Tun P.;:,unt. iris m'vtial.U nosey•,eve titre A:H nuns:,r:1;:,,uthet ehe:0o1i:turd(mole,Clow stun deposit,:,aunt We 173.17 Hassler,sea fionto ne(gilt U not a...ss in:etmsl:hanger a*.a:rytiu'e. Asa us,the ird'ArrOl:n°F.a:mss the pa}r.'ent vs,she:hem:;too,. Do you assess a Minimum Interest Charge?vrs.A 1r!nin'un IHTMEST EHER5E A 2:T5':mill Em assessed ire ea:h What if I file for aaniamatc?C you m•Cu0dod t:tmrbup;iy p otmlion,this,..1.11121-11.1112111.2!r.iniar'uhan tilting period put e,..rne is 5uki-:[::,Sir.ett-r=st;hr4e. only.!t b note,;den'Ft EJ,.:,ea.a I deist,rd Jus p r•Mt la 1.1:Opokirg with How do you Calculate the Interest Cha®e?tM1`e::s method tarred As.rym[,oily Fvivn:e;in:tuJlry nest au:E kerity atone}•,�the EanbupCy Court ll pu of pur,v0srrvy:-,ur7 like r:sonnet out for ruptLy Jaime anrvo:doe).!td-nn ih :,ue'nt ',,= d I t-.fsr:.,_t •1.t 1,tk the tagl•t•y tin:- you: .I-;dy tl rt:E'.w:tile•�e.x"+;2 •chtot,1.0 SI3:;.ZtS yur '1y and add in new u'onsu:drns vnd the F'-liodi:irfieles.:hag,m the Freston Jay's'0Art:12,then 7)s.thes Katy BILLING RIGHTS SUMMARY:Dam Nut Aupiy to 5.rnail3u1,,e5s fsttusrtfo; troTrene std-wilts tor that sego eta as of??trot day rho result is the daily t,lmte tot e,2h ss'r!yen[.Hovr-wt it yn What lo Do If You Think You Find A Mistake On Your Statement:I!you think there ie an onto on your Foil;DO pen.:riontit's Lulurr:e il:lu!I;o:0 putt t..:emoserauooaedi:aoraulm..rev:vans.4:0o1rEvni:h!:art etst-r'erLvaite to us 00. to your Fochor 01 SFe:ki Fuchasa s..3■r Iris .to[-,idEd U the daily t,Pr�es.EJ,lans,.runs but,n:sutim:t to 0 grr Feted are riot•ddEJ t,the daily tors.,lF. [•ptot;xte Ned,to find yore Av-o' 'oily FAT,:i)•idnedoily tabors ugo0v.tenmash segment.n:J2:Si,ideth,ono ty Soft Lake og the twi:tel'ul doss dm Pilling salt lake"its•UT'a13:'.:�5 At doe End:A ea:h tilling sole,v:e detester-your lrtYroet;hor de us loltovrs:gl:'uriFly put Avenge Emily(Monte lop.n loon.4i;.us ne Ulluwilg il.C.r;rydnr, ty the dailyFmi,Jk rata:A?R dialed try 3E5r tor!het Erormro,and:)multiply the nmmrE tyth rroomer of du}'lain- •A--red ir'.!urrrmierr YOU,nnre and u0:1111I Liirgpn.d N,;TE:Due tabors-ng. ir:t-..-J• gthis,I toys;yltor the;detest.hare •p,la,noun's:Th dollnul..5 or:- -op.tr r!o. •Uesi•riot of P°E:or.11 you th0r0them is an moot an inn ED,y01:.1te vh•A you teller_is s:,ong;rid why you '•rlievm l[is o r',lob- the• n my variable Aretual Percentarre Rate(APR)change?Y`:u:.41it n oy io.::mas:a1 de:,:-asx t:s-d,n one •• a!the lollowino e%oted r•,s.mr:n-Footed in The Vino Street rutseltdrg To rind clash inde -.red for put a .,mC Yo.ntrimo•t-:t,'s:Jas:-:.Js,.,h::'=ode opp,.:1 rI'p Er lour e't bok bna 1:12,1 Code o,rho hoot r.this storefront Weer U put.a'Rtsr.Trion the:k the?,isle below- You trust notfyus'!l any potential nmla at r:rein,.}',u troy:oil us er ourkyus ere:.otti:'oily,tut if ruu d,wz are Code next to your How do we alodate your APR(s)? When your APRs) rotre:t,rroi to invost;oteonyc:nendn errors 001 pu n,yha;e Upry ore Err rout in:lor:Tort'No will nutty pu APRs) Index+margin(previously disclosed to you) will change :.s..: within_., .u21.--IFt o!pun letor. P Rice Ran n'„gin the MA Jay of ihr.titio: Js Mot While see!nvestigot:vdmdlrl or rut t ore has teen an t•um,the°Peachy vile roue: 1:.1!0 L 3troth Liras n end onion.,Aprtl.July,red at •....,.n.:tyU'.oil;ed the ar.mt it.ouonint,o ter-Apt:as delio Amon on yet=moue -Cot ?-g: dot- it d- troy.t:u,u.tu1. r-° -C.li1 art U Pin'-Pet- ny, T:'n[Joy.d eJ'h Ett.-*debark OF..1,...I t.ke.you,. rot Is t:Fey lfeon-.,,t iguesi,,,., , ,n t.ety'rho. F .n'oth.LADE n'nrg:n Iranth!y Liliny period. ' Des red U that!nrou::t Are there Md#Loot F--.associated with my account?Yes,under:t:tu'n:it:m morstes,you troy La usse_eeo a •?Mine eou do not h•=U Foy tto anr„n,t in uuetiuo rodl m,crud ye ,nud:e',tout IOW uoo Dire A Jul Lute at Retuned roop enit lee.Youtroycol;otee:osse•"eS JverlirrittteomshFern i2edt;low.We tempt the light t•not invedgodon,you ere tes}unsitk Ica the ren'oioder:4 your tint:t•. Isms s'21:hu1n pion nni:e mu without weishig out right°otttteasi,rilor tee Met. •A.:a op ply doo'ouo:tog:4l your:rely lirrfr How Lan!Avoid Mendmrslan Fees?II -IN t" priated the front ot P this tot avid Kthin slop -eth ji pur l-n ,vr MO send - xl'.rty..:r-'N-ts�:on-ted the Foyer'Cr oltrtrl ten Bs'rp tee ty. t.hy.....21O1OM a, osthoo 45 dap alter the lost by in thetling ,u1 ,solo root, resLA.uen0 a the the F.II of :.y:It:arelzi ty dons 5t,renl'enl U request tot we dose put m Jun?.To ovoid posing h Al fro11y nrvtrCelshii Imo, V ::n,ti:t:ustm 1/o::,slam,2I:ytiu'e to mount Thee see:lose put o'.a:n:C,2119 ve will stop =ing your monthly Your Rights If You Arc Dissatisfied With Your Credit God Purchases.d you xm doss Aisties1 with th-:nods s n2rtelHtiF loco se tot you hove Fu;:hosod with put'Jodi sAl,old s':u hoe hied in good loth°-.eel the ptotam with a'. the fret:h.mt you'toy hove the tight not to F,y the rerroinin?Aroma due on the Fu:.t.aso.To use this right,the How mn I fi My Ar,nurel Yam Lon..otrt:MAXIM t rotinoOt th t sr,.I nt At lol!a g trust t true: tt.4 tire.•:II Al rril-nt„s, tiunal.t,p to ,mt.I' 1 J gt I Loy dOMI 1111.2111..d..1 tin erne. ;t1 ,,,n � hlj-F Lanni yJU .nll1',iLr,-mask,.°J�-nL,.•.,lt k:•.PU1 • ..th toed reedit and le the urth, P hoses mode with'._h-awn-:-b�rr,n0.M or M-v hoot,that d WI u. nett 1- ,_ :t ,kthu,. e,pm:relit:od r,u,td not 7„61,.rind ,,;.11.11up-,. 0hat happens a my Amami is inanrndedt We tray:loseo SuSFendputonou1tt Ad pot light to othin:1edl[ O3 TOO Host no[yet h'nr fully Fail to the Fw;hose. 'a ant}•ter'•ad Ur•nty I-,vn,oleo A you any rut in:Nook A::outtt susponsi,n:on ism Fenn rent at r:orp:•n y.If 11 oll :rteniu at s-,ore fret rid pu MO Still diSSAtlied veldt M home,:..1ty:t.:s in yal.Pj alit put o::Dort is:.I:eel or arrputid you roust 1t St.41 using your:rest mid and o::ount 2)'.,:el all sot:el otiL :uFtoi Joe pp,moist?l smolt':•i oll:.nedit:oi sand:�'ev0:he:k',and 41 F`uT aP atnulf you owe u;,ewn 4 they Wale:horgrd AM the a::ouut v.•,s dosed e;:unsettled. Solt Lite:try.UT 0413"y2E5 How do[Make Payments?At wry time,you troy p,ydle:rirlirrulr Foyerentthe Utsl unsold tolalt:e,,n'myv:rur'rt `While V see Ilnish our in trnrean.l4pt.rite ores ism a-,de in eryenl r:oyso ,^C1421.,the ea note,•ry:yly°the di:WA:mount os d7s:nosed visor,.Me, t)Juliue F3 oing°,'11'.'0, it •nm.'.an'o1.dkg gn:g Toro y-, u.n:F. ti,oCol.s'.2s.ill LOHr.n:out Je:isim.Arthot poita.it we think s^.u,v;e,u an JUn.F itJU JI n:¢Fay v;:troy uo a:, env:; .i Tetrch,ne s'r:e leeeF r e i•ete.r in;th;roes 1=::J-355-7J7J Iolln,irn the r,i:o oo:r,,h.':YA-n you woke o relurt you r;d'ginFu.d. Fhor!m i'i,P,1a tMotgh 24'-,-•••1:,lrspaoe T,E.you a:AturiU u;G.initi,2[-on!A:H:,el-:[r.'ni:For,rmnm.that vii1. ;,Ftvl Jae J.,4pir,irdnnni,n pi. insmdium SOS our vetsR:,t s'n'n';.:vpits;::n;.:otr Me Valved how put took a::,unl.Funds troy to s:tthdrn'.n irro'yuutenk osaeon as s:rn,s the s,nz day rim r•yJ;t Mmitul'ae.;apical Jots isa fa0 yomgistlz3 servo:m 12nk alright:rim!e,re3 po: etc: 3)Ci ti ingout tele'chone ledtrtet 1 r.::355-7 y7::and Fu.idntg put i,sotlradon n oar r ml:tenrtt,tise: A)Pay,rerns ty a-,il should to sentt the trolling utmost pt,idel oh the?alum portion of this sr,r:na,a Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure © we process your payments smoothly: Home Phone • Don't staple or paper clip your check to the payment slip. Alternate Phone • Be sure to use the payment envelope that came with your E-mail L statement.Using a different envelope could delay processing. Address • Please don't include any additional correspondence. -Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black ink. number on your check. • 600789 00 • Capital DREAM Look what your miles could bring. . . Travel • Gift Cards • Merchandise • Cash • Experiences and Events • Charitable Donations &jloHassle reward over • Page 1 of 1 Customer Service 1-800-955-7070 L Dec 12-Jan.11,2012 31 Days in Billing Cycle I www.capitalone.com -- -- ---- MINIMUM PAYMENT WARNING:B you make onlythe minimum payment each period,you 1 1 - - •- • will pay more in interest and it will take you longer to pay off your balance.For example: Visa Platinum X000C-XXXX-XXXX-2661 Payment Arreount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $9,510.09 $336.00 Feb 08,2012 Minimum Payment 1 22 Years I $16,010 • If you would like information about credit counseling services,call 1-888.326-8055. PLEASE PAY AT LEAST THIS vaaa'JNr LATE PAYMENT WARNING:If we do not receive your minimum payment by your due date, Credit Limit:512,300.00 Cash Advance Credit limit:So,40CD0 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%. Available Credit:53,239.91 Available Credit for Cash Advances:53,289.91 Previous Balance Payments and Credits Fees and Interest Charged Transactions f New Balance 59,595.42 l — 5337.00 + I_ 5241.10 J -} I S10.57 I = 59,510.09 1 111-- 1 (TRANSACTIONS ) > (REWARDS INFORMATION PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEMO#2661 i PREVIOUS AVAILABLE REWARDS BALANCE 18,714 1 06 JAN PAYMENT (S337.00) 1 REWARDS EARNED THIS PERIOD 11 (reflects transactions posted during this billing cycle) TRANSACTIONS FOR DENISE E DEMO#2661 1 18 DEC BIGFISHGAMES'126785911206-448-6628WA. 56.99 AVAILABLE BALANCE AS OF 0171172012 18,725 2 18 DEC MICHAELS#2754CAMP HILLPA 53.53 P Total Transactions This Period $10.57 For up-to-date rewards tracking,visit FEES www.capitalone.com CNoHassle rewards' Total Fees This Period 50.00 or simply call 1-600-226-3001 INTEREST CHARGED INTEREST CHARGE:PURCHASES 5241.10 •INTEREST CHARGE CALCULATION Total Interest This Period 5241.10 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 50.00 Rate(APR) Interest Rate Total Interest This'Year 5241.10 Putt-bases 2940%D S9,655.52 5241.10 Cash Advances I 2940%0 I 50.00 50.00 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 4003447008342661 11 9510090337000336004 CaaFta1 Account Number:4003-4470-0834-2661 ■ Due Date New Balance Minimum Payment Amount Enclosed PAP E R LE SS Feb 08,2012 1( $9,510.09 j I $336.00 �I( ) STATEMENTS PLEASE PAYAT LEASE Stop waiting for the mailman. THIS AMOUNT View up to 13 months - of statements anytime-online. lir Sign up at www.capitalone.com 400007 DENISE E DEMO 916 MAPLEWOOD LN ENOLA, PA 17025-2073 Capital One Bank (USA), N•A. I I ( I I II. II III P.O. Box 71083 I I t 1 1I 1 1I " ' ' '1'i II II l'1 1"'1'1 11 11111 III I 11'1"I I I'1 Charlotte, NC 28272-1083 1111111'111"n111'1l'1111111"111111"11'1'111'11"11111111'1111 Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. Ready to redeem your miles online? It's easy! 1. Log in or enroll at capitalone.com/nohassle 2.Click on the Rewards Summary tab 3.Click on the Explore Rewards button �✓NoHassle rewards' • Rewards program features oral eats may eery.()2012 Capital One.Capital One is a federally.registered service mark.All rights reserved poi u How can I Avoid Paving Interest Charges?Euth n.m0)y.:u pay girl`New Eta,"in lull,pu sill Itiz u When will you Credit My Payment? err gtu:e peril:A 25 l,y-vim no inr:rva:hirge:m:fl less 11.ul:h,:'es:71 tulmw n'in:ttls,91 sl: i•,I ,slit-:n,,:•I the Flom,of 1 the tusin-ss 7iy v.,c.eiee it US Isnj is they:err 11.7::ty i p u.Er. n nlnr: •For pm.hoses red 4i:!fl rlhrp r.II y,u hula teen Flying said-i.:aunt in fun!aid,117 irtEr,w:hiyr:ipplie7 ird;.,u •P./I 1riila7 p 1I rots.i1,of thy tu>ineee iiy'v:: 2 is Pig as:11 pis:yid U!r t7ttser prdol::A this bmill-,put int trill in null,Fp_•And irdryst t '-1th=r-ty 31.1,F•1i7',n.,;h-i1v,u •rrolrnrt N11 y:J.J:E1,kin thy 7.4,1syyd '¢,re Y114,111p,id v y, pytryie- -'Arms 5pe:iul U=nti lase,Jl ol:unyl,wal;ny,tiro tteit their is il,Irt,C,H thlyn:t try::'h{:I%ti:,ut till. F:p:e=ire; :rl3 ty5 tr.,la.l tinb.H?iee':Iioc:utlrj3:7)tusin-=s d,ys 1:11 roil 1!rl:r;.h5'ii!ei piyn'et* How is the)merest Charge applied/h,CrrA shitgxs ;:mi hS:r the U i,L'-sl the 0 ius,:0 n..!9ote thy I._,Ir-7 tyns it�ny:,m-1 r,:ir;,n of ill other tong Iray tut tx:re9t list rh;•17y v::,i1,:tees=:then'. trvnsi:.d:m is pr,:essei r 31 tint:.Izmir Jay.i the tilling;:nisi.Ine:-st:heg.y s::.rip.:m ey,ry unl:yii amour t Do you Process Paper Checks as an Electronic Funds Transfer?r•,2rynts will by potessyl in one s!ono r.iy=: until it is k'7,i lull.This -1 -Jig i,:-intma,Nrtege7 yetrn y 'u py rat,,`N.- -I -nvmm. I%T<U you.wv?r s:h.tt a the.k ud ur:aim fu nk:y Fry ant Y+u'i by e• u j.10 r -.. tin i7 rot J ly 1,,thy F.,'u.:IJIUi.Unoi d n,t�-','„j.. •,d 7.o d.p,pi i.jr.1r i,put d_-aunt. !rl.I'r,ts tynike•Sl:tour:A_HU,e..ny it othe•-1-t)a,:.twd U,ut:r IrJ.r y.l. ,pit,,....lt iruy ,r H!re,•el,vs,rsey.ye my right is nut a»ass u,yyiyst:hu gas it=:uytir y i!,•use CIO ird-urythm o ps:.11 thy ppprent as a'.he:ktlm'ertou. Do you assess a Minimum Interest Charge?Yes.A n hurter'INTEREST_H•V:iE If L 5 vii11 tr ire-e>-1,:1 f:a eath What if I file for eanitruntw?II ps rr zlrtile7 t,Pitt:o t:y Fiste:ti:m,tilt u r,uni.yd t,1,11.1 ilium,GJn ti!1!n3 relisy your isultt is yutura Ely 11 hies 4 shadga. r,!y.It it 11:11411 idrnp:U:ilia:l,assess r tassel i Putt r.deity.to n'It r.ni us pe,irynts y.'ciiA rFZJking v.ith How do you Calculate the Interest Clergy?i1'e us I:'zU:sl ,Ilid Arerir('IFIE ui!,;,:e:inaudin�:stir ym:r tuntaubty,1on:iy::thy E'urMutty:slot II}-.::r EJur IttJmty'y.:,ut7 lik:t7:steul sm tureSupt:y:liars s..th.„ •7 1 y t,1,..,;i J 1.1 ,t'-1st II',c d....,n..y tsl,:,::: _ni-fart:dig:I< .,..'_,F:,.1„•ro F.x11'2:5•yt.,k-sty,r.53;.::15 i iii in nay:Uir„i;Ia,err.'me pnioii:ilf-nrs5:1-11113e sot m-pr,isus iiy's tilin:z men 7)slur's:my BILLING RIGHTS SUMMARY:Do:Nut Aopi:•iu Arra!I Avvr.,eas F�,cve+,'u.; gas Ill?:rzirts b1 that d1 jot en[is thin day.11.1 result is thy]'lily tiym@ Per 11th I?it.nf.Hy;neu it you What To Du If You Think k You Find A Mistake On Your Statement II you think thane n in.Ur on your F,!7 plot pytisus r-,:rh'stuns.:,ir:tug:1ityear tiion:e t:,s ru r°,;Ieiit yn'Uure, :;PittlI ids!:=whi:.h pit 0ytri>1nyait is is it CI glut Far:hie],1,Feria pmaas<stg rent Ana lot,dial o me Pity t71,rit e.A,,.Iiu;isirr.thirst sir :tjean i j■i..pr:iS9 a:r WA'Jildied Er the Pier;titus-.es. :spit-st ry,e N,Y.•PRA-tut Arr,je:yin y Fili:-:I),sd Y',i,ily b;Ii�ue-PTA',tr yuth,'= 1'.D.E'sx;.2Ei y , j .yn'ei It red.i]Mir[hr sus ty Esx:1:•,�,Ui eat it,:251 menurtyi APy=in the tifin3 At d'r nd sl nth tilling AY,vt,A-L'-nnin-pal 1111,1est:hilgl.s 1)iruitlily put AU:rge Elily 8Ulilyr Inysur lesser•yew us thy l,lb,:il:_n:ts:tridn:: tydrilly Frnisdi:lit;uJR?kiiity;5_a hl that:,?:'ete,ind2111.1,IUply de result ty the stunner st?iys in tht •Assist initetert:nr Y7u1 ern:-and.::.sulU oust, yetis].0:5TE:Due tJuuedo:g ri nit/dun tit n-,y a sty ILA-the int:i-4:.hirJ. .,r,ll'u:.n.:n1t:T•i:!Iu iii sr/NT it thy tube_[-izr:sr. u:miry i..-.r-'l •Deiait Euri sl Pother:It pu mint thy1-i5 in.■1:1,r,gout till,iesc:'rr shin pu teller- .rd svh.;per How mn my yo•aN.Antxml F...Matte Rat.(APR)change??sus AIR lriy incra.se S1 7 '.ii2 feign:is Si.,Si teliere kit i n istke. thy t ll uiny rip:1,7 irdhrs tpa.d in The V.a;'i Steei R,uv.q:.b find stint unto it Used 1::;yvin a::sunC y7c Ill.:tsnts,t us v.ithin 6;:Jugs its thy erryi.FFlilzi m;JUi•titer Slit bit 1St i Filter sir sot d•1,twit si thiy sttlr)ilt ryes:u y:,n1 AP.9:e,.'Y chink m-title silos: Ysts twin roily us A any F:itenliil ni ri Pi wtirilyd You 11,y.1!OF r n:Idly ns ele:psnit ally,tut it pu b we me Code next to your How dowe mlotlate your APR(s)? When yourAPR(s) rnit leouirelto inrrstig,t-m,y'Siln'5l.emirs wu?,suiru';hu' is soy ms'mu:until'.:Ilseisn.K's sill MR)]iglu APR(s) Index r-margin(previously disclosed to you) will change u....i .,1Yhil:__ ,sut.-yips st giro lemr- P Rini;Par. nil jin ih:•fils[i1y SI he tiililr 1iJi]hit tti^nil,'::illyestigiY whence sr Mte:e l tam],,•nun,the lsl;sing are hue are L 9oSIrth EIE:IR 1141:441 Old ill April,July,il:i�t ..,.sissy.ergs,:ill-:tdtr,ll':war::jueltir:,sr mart pu as i;•li,{uelU Sot shit]truant • Rim-RIP. it'I'stt yof sett 'C•1,:hr j1,ii41r;;tisn Toy rig]rein m plot stet Ill s=err_WO 11,ysnu1i,sb stogy you ale:,isYt.1017:.nsm:t n'erg:n gut it r..Pt.n a in,met,;:ua0e 411]inks.pu syiIi mss h nee is.ny dle uresunt!i Liu:net.r m:y ins sett DI AY( n'rrdr LIER ieug!n n"rlUAytilli,g pnisi. !:zs:z!iPl[s shit in,u:? Art there Additional F..a assodehd with my account?Yes,under:=rt,in sirtum_tn:.rs,you n,y Er,:nigh]'5 •;'e14lt pi)is nn hit's o ply the SP-Suitt in sleuth,Instil•rr send y,u,sari]..but de out:rrt it su1 Lt-71 Fhtouted Pips rrtty.y7u 11'0551„to i=,.•0 3 Zlue51i:1'if fens It per]EYE ty!iw.lht Iesnve the right ts rot i,rrhgudun,you ire resp'roitle Ina thy rvn'einSn;d pui bi!o11:e. Uessss I=essidurpill n.i.alt?v.ithsut s:•.ivin:)DU!Sights issrssv serf]!::1I a!]tali •,,W'e'An,::I:Iy tiny Minnie?etul:i ngoilr>nf'lJl:I ERlir'i! How on 001 lAvoid M h NoF ?il,Renewal Nsti, pintsd li [si[ tt.rr serf yJ:u,y,•r.ii _ _ Fninj rcusIrorrL.ruti',ty, tnt,my tune•5ery its lute thus 45]Ili ds-nd-lo-4 d,;m the tray, ,051 F Ln 'Irr wig r- n ,yi'. y.r,:'I this,,--vr.-:•9the e t,,..L.,J n.t,tu,rn.tth. .. :1,J., thetill „its,syar srnd ty mil it,t-r1'em n;equts1 dut se a:,;1,giro r.::m1g.r„-ail pi;,erg i 11',nthy rr'en'teishl1.Ise. ' oittSit:assn]1,r tali;y WO!,U r glees shit syt J.:,pal 1t,,m,t,rd y.1,sill stop h---u•!ng Your nights IF You Are Dissatisfied With Your Credit Card Purchases.It y,u ale i■=.,t!=fiii with the j'n7s r neat:etship Ire. sotto,mot you host pw:husei sett gulf:relit sons,and you hve tried in good!ith n:.sot t my Futley wth the pu try;hurry thy lijht 1111j py the to uniting assurer due r.the pui:l:ire.Is use this righr the Huw 0111 stn,.Aty Arrm„el Y.:in:intuit:usurer Son,i;e inyJn e h''eauest mi[wz:.Iss-V111.11 i::sunt.Al ISllsskg u'us[Es hue: d„t Ore.vr'II e l,n any rldidorrul Asps ters:usint ibsui 1 d'. til',i1F,y5nn isrm^,5J,mi tilt dines. i u h',r. yam ,rEl'im. ,_h„-.11,.5, tier,:Im,.=h,i,ur..-f1Jn JrrArhtitv.,mi !lapse rote m,[1 pu a.,.s e-in..i .here_-:_,::n;.r,,,, .t r IPlipu,v0L•is:'sI•it,:nke::ya, 1 -u .:oc 1 _ o:.:un;oF'za :he:k that a:.: put ardit sad,c:ount do no: arid What ha Q?1.I :h-zn,wp.r 2./T.truster t th,vaullyp,d is the F rh peens if try Amvmtis UJSO.d 7t' tt 7 light stern:rest If Athy-.a..„t.se wet nd _.t l ii55.eled with the h._., .Asa .1,xtori ,t 'A my they rs to o, m.:iJ,.n-a,8t'-, WIn.er-AP A::'iu•t'a.U5.,v .;per ;a Pettzery.It _ Fo put u:suot is 1:.5,1 r su,Fsnlyi you n 1st I r ebp using 1.550 seiit:,:a.Id a:suit 7):un:zl ill'Uttar uti: :upRil:art pejurvnt.?IEesu,;'ills,zii[:Jds.1 4” 'h-:ks,111191 F-Jy iI in'ounb you sys uo.even 8 th-y',.erz:hinged C7.FJx?des sttrthz,�-suntvs.l'soS usu,Fo:drl. -- '- - ;,ltEik--:fy,urcwl:ec.Z2es How do l Make Payments?At any dote,pu way ply the trinirrurr yaytrent to rut'sr unp.list-Ain:e,of rrlyiorsn[ hhir ru!rs Aty cJ rot]ispl.•c:i]truant is iimu=lei stow.Jtr finish sus ,:-inlxttigiCe,the urine L'-[vteen.I'•',11 nrti 11,y t-tree in;-veal r:'vy: inre,[iguSon•y:1,w110,1 iglu Sur],this,.A[mnt point iI se think Fs sue an„n sun[,nd pu 9s test F"y v„wry IIJI1l1.h ty goings.s. :ipi4.IJIe.:,err sere l,jginj in,J o s,n,t . 2i ieli.h,::e ys 1,r%'.urea iy,txrr ty dii!itr 355.7C7C.n9 tsket;erg thy,ni:e p!:MIA,ihT.ir, k,1, nil:srt you is ii!inauen:. 01a11r•::rgnreo[Ihrur„h sus t::i;e t-rysnsa sysPlr,you]slab:us c:initial•:n ACH:i]l=ean]:p,ysxnt.it viii P.pl,l s Ald inbu r - poeaisn:see out i:,resu .tr, lnn put nassnL funl'mvytz v sacs dun your trn,kiauin F.11 mfly r,"511 Cspittl R,r.:yiP ol ae vtsd-re ly cegismei woke watt amisht•eszime. !DIV ::iy11 etas El:Ming sun Iilaphsmo metal lr r7:and psedinj pm inb,r.'id:nttss try:1=i'lttuur:: At Piyret.•a by mail should to smto the uii:'r s:7 Est pc,idei oo the toaanr portion or this Huorren • FT: t news t! • • • Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payments smoothly: Home Phone .. • Don't staple or paper clip your check to the payment slip. Alternate Phone • Be sure to use the payment envelope that came with your E-mail statement.Using a different envelope could delay processing. Address • Please don't include any additional correspondence. • Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black ink. number on your check. 500008 Ca;;;;;;; - what's in yaw'wallet? It could happen to anyone. Make sure you pay the amount DENISE E DEYO due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES (good credit could mean lower interest rates) by 7 payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS(when you want to buy a home or new car) ©200.9 Capital One.Capital One is a,federally registered scvitr mark.All rights reserved. �._ Page 1 of 2 • Customer Service 1-800955-7070 Jan.12-Feb.11,2012 31 Days in Billing Cycle a' www.capitalone.com ` ... MINIMUM PAYMENT WARNING:It you make only the minimum payment each period,you will pay reeve in interest and it will take you longer to pay off your balance.For example Visa Platinum XXXX-XXXX-XXXX-2661 Payment Amount Each Period If No Approdmate Time to Pay Off Estimated NEW BALANCE MlEJiMU 'PAYMENT DUE t 1't, Additional Charges Are Made Statement Balance Tea Cost 59,857.07 .-.711 mat.N, Minimum Payment I 22'fears I $16,64? •- It you would like information about credit counseling services,cat 1-585-326-6055. ..........,. :'t:3 :c;I:.:;,7 LATE PAYMENT WARNING:If we do not receive your minimum payrent by your due dae, Credit Limit:512,800 00 Cash Advance Credit limit:56,400.00 you may have to pay a late fee of up to$35.00 and your APRs may he inoeased up to the Penalty APR et 29.40%. Available Credit:52,942.93 Available Credit for Cash Advances:52,942.93 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 50.0 59,510.09 j — 0 i + L 52766.49 d + I` S70.49 59,657.07 �I to ... Help is Available. (TRANSACTIONS ) PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEMO#2661 i Just pick u p the p l I o I I e. TRANSACTIONS FOR DENISE E DEYO#2661 1 18 JAN &IGFISHGAMES'1 3 006322 92 06-448-662 8WA 56.99 Call 1-800-955-6600 and a specially trained agent will 2 26 JAN TURKEY HILLSr28oENOLAPA 56350 be happy to help you check your balance and make payments. III-Total Transactions This Period $70.49 FEES INTEREST CHARGE CALCULATION 1 08 FE& PAST DUE FEE 535.00 Total Fees This Period 535.00 Your Annual Percentage Rate(APR)is the annual interest rate on your account. INTEREST CHARGED Type of Balance Annual Percentage Balance st Rate to Interest Charge Rate(APR) Interest Rate INTEREST CHARGE:PURCHASES 5241.49 ----------- Total Interest This Period S241.49 Purchases I 29.40%0 ( 59,671.16. I 5241.49 Cash Advances 2940%O S0.00 50.00 P,L O P—Variable Rate.See reverse of page 1 for details Transactions continue on page A ., PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.C:APITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447008342661 11 9857070337000711002 CaPite Account Number:4003-4470-0834-2661 Due Date New Balance w°•:..:,,.,.,,.:.:y::e k Amount Endosed Take advantage. Take control. 1 , -- l Mar 08,2012 1( $9,857.07 3 L C 1 Manage your account online at www.capitalone.com 2 •.,,,-, -,..,. Make payments •Review account information •Manage your account in privacy 400006 DENISE E DEMO 916 MAPLEWOOD LN ENOLA, PA 17025-2073 Capital One Bank (USA), N.A. P•O• Box 71083 IIILrr 11rr 11II11111I1,1rr11r1r111111111111111'11"111^111.11.1 Charlotte, NC 28272-1083 IIIIIilslll'nIIllFlldlllllli5IIIIlr'il'hIllrII nIIIIIIIIrllli Please make chedcs payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. • 001 11 • How can I Avoid Paying Interest Cherries?Eo:h worth y7u pry your"New EArr:r"in lull r.0 will hue,a When will you Credit My Payment? talc g:',:0 pmioi al 25 days with ri,intelat:her3e on ell Inv:11 Fur theses.2)hula.,0.nsteiS.3)s!:_Sal •F71 online Jr',vol the phmr-a 4 th=t'eirr-rt tug we lexiv:it r.lily St1107.n7 11.j0 ty 5'r'Er p,n:hoses u14 C h 3 .11 pa hes,tam pyiiiy t in to '1 1 t , ,c 8 t n. nod :tun 3' p y -1 f th 1t' h ) r3' y u 1d rot 'p a,,i['r• I p_•,-�."o2•et:h�3.' L[ m-- , p. .clot:h',7,ni.-:. t .'.1 put:Nett 4.m: I :1. -2 I .-- ] F- ..urrt-' -1 in orre n.0 0110O01:171151171n,or Or any mmIanrrLO wficnthere n :Senor tort.r171171.11,till. p. Sillti enrr-tyipn,17 Itne.T-,urrt :rlr-r•7,h, r e drys I:rrr I d.I,.I.Moiled p aynolh How is the!merest(hope applied?Im71751 h,nrs'zc`ua trus the 1)dots J the konsr:doti.2)1,[-,the r..:ka7 q•us:R,ny other h::.,tiurr oin„r�y other Sum soy reE to:rsiheisof m'i'r;,::r r0•:.eiw then. U oil:j!n is yw:rrs.J at 3;tilt:Yendu lay of me tiliin3 period.!Attest:hyres o::lue:m=very unpaid x7unt Do you Process Paper Ched[s as an Electronic Funds Transfer?Pay7r7540 still to pattoed in uuk7 it is p'ni in fua This n tans you fray mr.interest:bulges awn A you pay ma entilr`Nee:Falru:z',n;uo1AL ±:opts Tau poets�,Sloth Jrh.tk intonation a rut--•�{'�ry,r.rtt,you w[hnic u0•ar As a rots u use m. Sid not do SJ to he pooh;,Ir iiU.Unpoil Slit:lest:honer ate old'e1 r de propel sryrrent o!your Attount. irl.rrrydin CO rot:a one thr:.A;H loan=:;i:n jr 0310:ale:ooni:!u:d 001,471 Iron'•nut depth-stouts We tut p.;t3::' ass; T' - =-°v0•m.r.mbn., --v.173 or::tin, DiFD u_:Lh:i:i!,nr otrin. 110 Cr7preri::s'.h k.nr,..iJ,,. Do you assess a Minimum Interest Chortle?1'•s.A rriOirrun INTEREST':HR;E of b;:.;:;sill tr vss•veed It en:h What X 1 file for J3anleurtcv?It y.0 rte entitled b tonbupt.y pruto iDr!this:,rn'uni Burr is IA lid rr oti,rr ti!Iirg p:sill pup a::.:aunt i1,LIE n:[tJ'ni ire,-.rat:h:;;. only.it in ri t on yneirpt'b toll•:!•551155 e:,eel a Jett or oily.['0 It Sell ur gopr.liry v^,h,in spooking with How do you Calwlate Nu interest Fharue? s. n'eth,d A•-::,g-Noy on por tontetptty ottsrloy or the B cy runt?It p'.n put',nrneyun a:k• ou[e[,.:'t,,k,up.y.l=m- ne neme.d.:ns).Wdor Yoh oath: we anti:oluuSet,y,u:deny talent;b,rent.regrreo;1)tab'de tr3ilnnng hvhor.e `er'n:o,ohind••::kwne:.orRr:^:a^,:Joe•,..,a3:2 5• hlal:C y t; old'J7 ht ntro u-n o the putiolit intH est thorge utr m prsvious tulente,m, 2)suttnst orty BILLING RIGHTS SUMMARY;Doe,Nu:Aopn•{ Srntal aoiness Atrw+ds, puysente atd andito t that 3 thin 17y.rn7 result th o doily:Son, 0,11 Yngtr.r.Howtover.t ou What 1U Do If you Think You Find A Mistake On Your Statement.P y-o,thitth El:-r I5 71 n1171 I pc;,.mpr.vi-u.r,.r:h't,l,r.e-r, foil.,.1,.u.t.,i. , '.,urfi,.I.s,nnr,-um Orb pi: r J-o er.tVaite n n,ar ol'',u by.71 puchuee of nprJlpathos Iron•IN rte not added b the„Sly bob:n:r An.tans ton'thin rye sutjelb = :• e grunt p,:io9,:t rut riled b the daily talents. C 4E 01 One Hon,b find your A,lop tHily Fol.,:i; 7 the doily:,ivGeo togot 0•r for nthoot old 2)di,ide the our ty PJ.Eu 3�2ci a the/71711.01 ;Ile. ;oh;atri a yrill ,;rang rKeS At de trod ill er:h tilling fir.,'.-:J.:717417 you:tI 1.t'Choi,n l,Ibvr 1)Irulriyly rout AS-:r,3t[iiy Role:co II:;-,ul tenor.3i't us the I Ibv.in;il:l,rrodor:: tydlelaity poiirl:lot:;&°Rdialed ty 3r5o hl thatrearerrt end 2)rrulUplydrl?WJE type nmrttr at ion is rut •A-:uunt ininlrUAon''ruin nor:-.:71Y:rump nmrt.i. tillilra petrol NOTE:Hue b nuldiry Jr y Triniru:ril:t-rr:t Jr IJ::,mu:nl.1111 1 Iruy vm'irn'the in[er.rt'.hertio ••pi, -o:t„I;ostras=l. - • � - r•Jm an:runt:?he'!alto au,uirt,l m<suspe:r�-unr. •De.:11 Son it Pnb leer:It you tint tele in Or 01171st`pin to J r1. ,t u „ I, vt you`r'rt... .illy ono dry•u How can my Variable Aroma!Perrnntarte Rate(APR)change?Your ArR n o;it::;to-a,:]r::toss•tore]Jn one t<lissx rt c o n i5.k-. ,1 me lotiJwing repitd in30as froponel in The SLAT,SI•eet.bc••ed;,To tied,:Ai:h ludts io root lilt pwo:.punt You ri^t.oi to tUl Vit.1n 5::.dry,aIti me n•intni,CnOnd 711;a:nototon nut ink t,r 7le20.1:Jle 711 th:e boa Jl this stLorPHS 1177tn pun AP,R(•i.Th.:h.:A the Toth,?down: rug uJdty us at vnyp:,renE l.n:xnjri s:rrio7.You tray cep ut Jr ru07y nt eh:non;ally,huts if you b w2 yr. • Code next to your How do we mlodate your APRls}? When your APR(s) nluEu+:-i to irn-tidela any plodsl ettato and Tau u ay hen tJ poy[ho on',Jtu 41 We will uOt3y you APRls) Index n-margin(previously disclosed to you) will dtange lie w•itir:,w*,hin 3:day,71 On receipt of y.m teat?. P Riles Rat- I'nain :he;ict icy of mr Nnilr ' mot 4lAlilr wz ink-sti3oe vI-rat r,r:VA:t hoe been an err.,the?,Shortyure true: t 3 r,ith LUE:k9 , 31^ • , _ wd ire:u,AiaiUuly,ord...t ...:ur,[nyt,:,Ilea me au.urrt in q:rtin:,,r:ee.it YS:�r.Jeiu 3u'-start^„t:mount 0 b •The:huge it.R.: rnjin The tlnt Soy of esh it..!:t•lion run'rerr nu n:onn 01,1'.'.1<:a ors)v:0•soy t�r dnue b?toga y^�u in;el s[ri[hr ono:na y cut h wz dtt:urine thin wx irad'e a n i tsk.you will rut hove t:e the:,rrount in question A any inI 0 a:other :sorter LlF�( regal rot1011ytilling Ferrol p> a lees tu.,tai to mat sl:aunt_ Are there Addhlnnal t.r associated with my account?Yes,undo altoin oil:us Strli:e=.y 1r:7y t-,_.=.,d y •While you do not hue,to p-ny It ',room in,r,eai,rr until vse trod you : e:,runt the out:,err n unr Lot:or Returned P'„ o a I:•.You 157y 7117 to orr.,z.d Duo;Iln'i[tee5 n porn Sato ty PJY:.Mb Itrout the 1131116 IIJt tl:,•rs[i aiJn.you urn rrtp,ntitle ton the ievoiniel:a ya .- :,....Into without pior nuthe Hut V.itc.1415,ivirg 3h b seeoss sirrilor see- ithot. s:. updy any earpid tt ro wit •How tan l Avoid Me he slot,Fees?In tesned.r1 h ptinted Orl a ,t DI m 5(7t0,111,21 troy unto 5 m p pin I n will sond pro 4 ouritton [ exploiting dEtour th,+,. :•Dir0r.tird m: pry 1,3,--11]t,rror tt.nh by toritlthtrue J.:0•y7menor th 4'd tt d I t7 nr the tll5g In,b'pit-A t. t.0 the r:,0•,i:.:t.l.w the ill it u To,v.:d pyv?' thy ?t..tupl ,ru : R:.i.outs 0•1.:IY..e,,„,b t0•],._t the re:l.we yo. r..JUnt,d roe'all:top„„,,,t;}y-w r,i1d11y Your Rights If You Are Dissatisfied With Your Credit Card Purchases.t you,:>1 r:shirei with thu:I„it a nelrtriwhip lee. 50•1,:x,that you hare potthosed with}out:re]it:m1,n,]you hat•:kind in goad loi,h E ascot tht modes s:lth How San I f1r,.t'tr Arrnut4l Y.:an:.Jots CuwUrel>:nix 711y:1110 b a3uett der we obit yaw a::runt At me rr er.R:nit Sou rev y h sv tho right not to pry the o:rr,inin,orrand duo it t17 pul:huse•Io U00 this rip.the that tot, %Ile{loinyliyadiiti,nol:t-psoa::,ant:I,Di0 ourI,idingtolylcrpayJo,:nil :'admnidtinrlinet. I,Ibvvr.n'ut!to auto Teas rot flia(ny.nUtzpur:A PAR.ni ut ther]ee pot C7}7171 a::7.110• puyK uw bl:trtr it eni;an keep your 1)Y,urust hate u••1 yon:indh;a;i l,r m A Pwh oz.`tara.id ,xh l ""'ATM'” :beak that a:=net y.ur :711 uc0111C u3110th%and:_runt ryas. ,:itha What happens X try lap=Po CruvrndeII?1111,pay 1:14).r wspeni gout punt and par light[„hour rreiit 2!'f,u rust not y::bore tally turd L:me pu!.hu. vtany lir:end bl'nryl .11.07eil ily.0 ale nut in del,u!tA:aunt SUtpensial:an het:Ha'aeno t:rpormy-It It:JIi the:rh'-lie at:n-e ore r-t•nd y:u air tit its=ati tieiwitlr rot l:hey-e.:.:unto:[u.jn x:itino'oe p ul utaunt is:.hirer:n truptniel you ust it?trio initij y7u lent tort urd a_runt'2, an:el',II us.',n: pop trrA.31 ietc,y all::la:ads Ord: u0•loot,,and 41:}all-roam you.,,-,..own i!they curt yud p.atoo:s- utter to u::ount,urs Joeud or on,ponied,`- o• ..-1:_� coact: T:J.E'-,x ail rah U Irate:Sty,y,UT°_413;-02 S How do!Make Paymenri?At any Owe,you ray pay m•rrinirute puyrront the bon;spud Cybni o,or any thrown: tit-t,:enn Pap;eats n ay tt rode in,ovoral way,: l4'hee v.+inreebjaC:,ma eyna n;ter'¢ply b mr Jisplr.d an'JUnt a0•it;ussrd yt,re..Abel r. tinith our 1l anin0•fy3Jin1Ib s:+:•+:.:apitakone.:or,t.l:33iig;ru;-, _ nethiaeau w_s'.1tell you our te:isi:n[.At that pint St we think yal:711:on an JUrlE nu J,[>:.1=t'wo coy 2:•Telethon,v:rix f!rsp::ce hyeer ty dl•olin0 al:Z.355.7:7u'md blluviryth.'niu purple.Who.you coke o rotamt you es delinquent. phone papreot thor._h Jul rat',In:},n,ty,t.;r,you o;AhJee ua c initio[e on ACii::elo:tnnit.paprer:t that will phlLL tutu t r p F [, u tr t iy...Ir y71.11 tnd rU1175 Iri.ryt7 V.1:15.11dr7,11itutr put tent uttount 17711- m._one d':y von .,,,1., .ul.t: _,p.,I,..i_i' '7 .3s-'-i .Ir'nt Al n',.-...,d pr,..vu., ,Irt, , .r n. 1,,11;9 DUI tel':hunt not ter I.}02:.dyy-7;72:and providing your;dal:'atiun b o,n:upres.rlt,tive; 4)Poncesas ty twit rh.ull t t went b due r'riiirg,ii:eew pat idrd on:ht toss:-Jrtin:t this 5t're;rte a_ Er;-- • • Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payments smoothly: Home Phone • Don't staple or paper clip your check to the payment slip_ Alternate Phone • Be sure to use the payment envelope that came with your • E-mail 4� statement.Using a different envelope could delay processing. Address • Please don't include any additional correspondence. e 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 Page 2 of 2 Customer Service 1-800-955-7070 lan.12-Feb.11,2012 31 Days in Billing Cydei capitatale- www.capitalone.com Credit limit: 512,800.00 Visa Platinum X500C-XXXX-XX10(-2661 Available Credit: 52,942.93 NEW BALANCE MiPh kW PAM MT .DATE Cash Advance Credit Limit: 56,400.00 $9,857.07 $71 3,00 .:14:$11:4;2D1:s. Available Credit for Cash Advances: 52,942.93 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance I 59,510.09 — S0.00 5276.49 570.49 I = 59,857.07 j (TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year 535.00 Total interest This Year 5432.59 You were assessed a past due fee because your minimum payment was not received by the due date.To avoid this fee in the fUtule,we recommend that you allow at least 7 business days for your minimum payment to reach Capital Ore. . r . • ' . . . . - . , _ P . ' - . 500008 Capital - what's in your wallet? It could happen to anyone. Make sure you pay the amount DENISE E DEYO due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS• do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES (good credit could mean lower interest rates) by 7 payment. IMPROVED CHANCES TO GET APPROVED FOR LOANS(when you want to buy a home or new car) ©2009 Capital Onn.Capital Own is a fderally reyriterrd service'mark.All rights reserved. '" � Page 1 of 2 fir. ��' Customer Service 1.866-955-7070 I Feb.12-Mar.11,2012 29 Days in Biting Cyde irr www.capitalone.com l - --- N MINIMUM PAYMENT WARNING:It you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance.For example Visa Platinum XXXX-XXXX-XXXX-2661 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE um s A2•\u;o1- e;e. c Additional Charges Are Made Statement Balance Toted Cost 59,774.77 1:7151.6:3 pr t,2,;1 a Minimum Payment I 21 Years I 516,380 i - If you would like information about credit counseling services,call 1-580-326-6055. `e ear:v.. "" ^„'c1:'”. LATE PAYMENT WARNING:If we do not receive your nnimum payment by your due date, Credit Limit:S12,800.00 Cash Advance Credit limit:56,400.00 you r y have to pay e.late fee of up to 535.W and your APRs may he increased up to the Penalty APR M 29.40%. Available Credit:53,025.23 Available Credit for Cash Advances:53,025.23 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance [ 59,857.07 j 1 5350.00 1 + [ 5260.71 1 + I 56,99 59,774.77 2 l J _'`,,:;,.`:,;..a.,k.;'1;.... Help is Available. (TRANSACTIONS ) PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEMO#2661 I Just pick up the phone. 1 15 FEB PAYMENT (5350.00) TRANSACTIONS FOR DENISE E DEMO#2661 Call 1-800-955-6600 and a specially trained agent will 1 18 FEB EIGHSHGAMES'1 33 2 801 92 2 06-44s-6628WA 5699. be happy to help you check your balance and make payments. ►Total Transactions This Period 56.99 ..._____ 1 FEES 1 08 MAR PAST DUE FEE 535.00 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 5225.71 ._ _______ Rate(APR) Interest Rate Total Interest This Period 5225.71 Purchases 29.40%0 59,662.47 5225.71 Cash Advances I 29.40%0 I 50.00 50.00 Transactions continue on page 2 P,L,D,F-Variable Rate.See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447008342661 11 9774770350000719001 Account Number:4003-4470-0834-2661 Due Date New Balance ....,, r• Amount Enclosed Take advantage. Take control. 1 Apr 08,2012 1 $9,774.77 f t :III I( Manage your account online - at www.capitalone.com . iii Ar'-.,T tt:i�:ii •-• � -t••, •Make payments 2 •Review account information •Manage your account in privacy 400006 DENISE E DEMO 916 MAPLEWOOD LN ENOLA, PA 17025-2073 Capital One Bank (USA), N.A. Illrlrillllil'I'Irr'III1'Il'r'llrlllrlrtrlllllllllrrrl111111'I'll Charlotte, NC nlllihl""1141a1d1 JIM"IIulr'II'hill'11"IIIIIIINIII Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. • ore How can I Avoid Paving Interest[homes?tad,Ir.th py pay our"N-v:Finn„,•in lull,you will hive u When will you Credit My Payment? ,r grv;e pni-J'.,1 clay+with rn interest ihave an yin r!a+:ll put:hates,.)tvlan:e llamas,3)e{:_hl oldine Jl ovzl the r!vne vs,1 tht tusinrss Jay we a:-ir-f,tit Lay'rthy.'nr rcai�:ty 5 p.n',Et. nr unn'� .Far puchiues-mi 4)Wm:h'mg-s-II you hare teen prying;-Jur=,::aunt in Uill aids it,intereet JIUyes A:0,7 ani:pu •F it 11'n1e7 pUynzne.ys JI thy twiny's lay n.m;eh-1t as brig Yr.t)pe.rd 71,tbtbu'prtt!'m at trite Ltral.Uy ron 11,4 tll if tuil. ite,t4A h'3:. rill t<,..-t•d Ih - -3 -p;r.i Uri.rh utnntys, ytA,rrynt y it,k it.thy ye to-.]lyrt I¢. i}put pyrt,7 it urp ired . ,s1.11 9,-,1,11.1,1151,1S,DI:in , wt,-,.Stu w•h..n d•..I:yn wip,ii e;m.y .rzyty tyip'rb;,rir.M.,.Sir J,.Si:I'-,7 hIltill,St 7,7 101 rr,1iI How is Me Interest rharne applied7 lu:emst thou.roue Inn'[he 1)Le of tie e'rtsaodoll,:)cut t!r r..;i' Equ='d',ny:,t71:r 6Nation or ill goy ohmbur Trayrt:tty:m died es at the 7r;way ry�ma[her?- [lyte'i:.d:,n is pa's==•d Jr 3)tir:t:vl-nthe 14:r!do tilling periJd.Inelr=r:h,r:p's yr:,ur:m=rely tin;:viii yrtunt Do you Process Paper Oledcs as an Electronic Funds Transfer?Py,,tl'ent rill t-prat-.a-7!n are:,I rrzr until iris l:'riin lull.tile lean,yJun'ayJ,.:in;el ;:h'rg::zvenfyn,pay thz yndry'New EVA,.UrIS n'nitlt, v.yrr-thTenyoupa;^:tea:he;kat:he:kinfJnrytian t.;n-ak:apyiratrt.yJU yu[IC,r<us ar:NA:,jent=ouethe tut did rot la SJ t_r th-p:a,iui rr�ny.Unpvii fn:ems:;h,rget ym t7:1,74..J thy puff,, rrer't J!'pro A::Junt inbnrvtiJuta nuke y r,r tit-AHl Ryan/tun Jr Jte;tit:ti-u n-lurid d',nsitr Iran',trur p;ic'r,;•:u,rt We wry srarrwl, thy right b nut trips indemst.h':Ig it wrytirra. y!;u uty thy intanrytlan b pstest ate paps oil is,a:hetktrynertiyn. On you assess a Minimum Interest Ch m A Rhin-tin INTEREST'HAR5E J•1.-57 vat,,- ezi!.4 e,.h What if I file for Bantauotty?It yip Jr-:tidyi c.h-n b:rrr p deft rt.Pi,yi r ruri.-vm.s t.,rots r:UJn t+firi;penal put y::.rnd it sutje:r b'ri ntC-r t:httgt. Jniy.it it nut yr,iris?;:U::.ie;l,a=sirs Jt:ether y dytt a: gin'.EP rrJt Beni us pyyrenty wt t:Jut?prolong with How do you[alwlate the Interest Chamet!Y:usr v lethal cul:ri Aw:uga[bib Palette;in:.luiirg new yin tynkn,pty''lannry:Attie Eanbuptty:.n,lt II yJU o:sew vconr:y smut?fib oat t Jul tmkm.t p;lunn .l.liyr thit n-dvt to pu•drily ul-n .,.R.gtl-n,I)rs thy t..I iytPri' e•'J-I :tali a:u... apu.Crete•J E.a3• ttylk'r, 413:....., How wrest s,J.o .:,1Jr- ,r: ..• J vii in am Uy11F,I,ns•ad thy strut ir•.ta-n thine Jn thy p:e,.'iJnre ivys tylyn;e.than:)s'•'tatit w,y Isttllr4G RIGHTS SUMMARY;Duet tint App/t• Artaif am;.ress Attunes, pyrmt and;ryyit Isr[hut etgrr-nt m;d drat i',,•.rte rr;uh ie thy daily bubnrr tw•y;h rv;rr'ent.Hoc:-vet,!I yru What T u Do If You 1 itdt You Find A Mistake On Your Statement:It y:,u think t!yre it tin enyr n1 yore prii put yoyous n-,nd:T telufr:e intuit At i!•our t uteri c:a=en>r :ei!t-rruuttl.tiny rtyn'yaivlr: lilt rr-n,vait to ar il?. b put p.hey,ar.pe:ivl purl'raey sy3lyric yr-;curai:e7b the ivily taln,-.lt;.eynsy:tijrc[hut ore yutpit b a 3m7 relf:Jyry lot tit thy dyiy—uI-frees, L+ph.,l:r,a Nett, C7.E:u_255 btird put Averep Pelrtsri)yid the deify tarot es[agedr beadtsege=l, J.)drily thy euu'ty tie nul:ty!of dns'vl thy titing .Ia. • ivh tvky ity,ui°_4t 3.'::;2F.5 At tho end Jt ey:h Idling;y!v.,n innrrrine put In>rryit hutye tit IJlt:0'i:ItIruldyly our ysr:cuga('iiie,Fulu:uz htpw left-r•gil, us the IA''ov.ing utt::Irydnc ty Cr,iai;peliJiL ph.;A Rdi,idvi ty 355)Pi thy!vs_Hrery Urdu lruldply 1ryr runt tydhy nurrtyr tit iay,in the •:t",lacRim,rn'm:iarl"You:nyrre urri u:'.::un[rrulrtyl- G'ih:q p�!ai.N:TE:DUy b nul,]u:g Jr y I:inin Inc ire.::-t dtis;ul;ulydn:ri uy rv,•Inn due fl:e,y :l. } ,taller an.um:Tit,i:llyl..wit at dt•su=ps n]rr!n. vier ft'vv'ss'J - •theAdtdJr al Ptstlerr s It yJU dirt thy:, yn errs:,n put tit,Jes:r!te shit you[.lie:•:i,v.'nly ttri why yJU How can my Variable Annual Pertentare Rate(APR)change?}:ur APR II uy h;:<:nr or teitytee t.,1 11 acre tenure d s y 7 istak. J!thy!olbvap cg:tt::i ill Le :r-po:tyd in The VAtS Stoat.or-nn:,r;-?,lid vii:h index is!ty'i to Tax rs z,unt retruet r:t cUSOlbin dit yet:I fie shot uppiarei Jn,rnsr,rr-:r ill t:ok fur t 1,741 re Jn JreIc.c'this mt.-tern,:to our APR:.Th..e:kdt-retie tiabw S'iu nest nJdty!,Jl any{:r-reign ennsin wlirinJ.'in:n•,y;,t!us Jl laity us=le:nmi:ally,tut if yeah wy one Code nest to your How do we calculate your APR(s)? When your APR(s) rot requ+-i tJ inrr!tyae any paendal runts ani ynurl yy by;,b pay try,n'JUntin•ueattrt lye vill naih;'U APRs) Index+margin(previously disclosed to your will change °rthln 3�.ay'at Jul rya-ipt a!tow edit. P IRiirre Nat n wgin The:4A day of the[filing penal:that tti Tilesais invegigate Matto arnot Vr le has teen s+lero,thy blia:vlg are true: L 311nroh II KC r end inlyn..kph,July,old at. •..y.rn.,ayto:ole:[de uni:amin:l::y,'dill.ill r-yJrrys:u=]e!cr{urn[Jn C'tyt'rtsr l t Dine NUt- u'n:l'v,t T-r-'fay if---N •m y Wog,in 4uy tknl-iii irrl'uici an yaw ststya to(and we nay'.--a,drux b:hyigy pu irreey[1:11 th-icn-Jurrt 'cut itI ittrurfU-thyt v.,777, isivk.yoit rid not h'»•er:to;dle'nrn,a!in quastann my iote!ee0 od!yn F trnid,LI FOR ryrgin await tilling point. .,.r relutib that•n:'aunt Are there Addinnnat nee.associated with tl ern,Urliyc ,tufn:Ir:urmn-.:-•, to assessed y •''Wile yon:b nal hart❑ do amore[in r.11Jn oral r-o=end a ut',ur the awarre al Jun my a�i,t. - ..y-.w tray �..,_ ,.. _ pay. ._ - qw-,?riot: Lat Jr Rion]Pup e!rt fee.You ra7,1S,to y"-std Jvclin'iitYes rT Fein rcc]t;'tor':.We rertriy the right to tot ,ty tigatu!I.gnu at:res urtnitle[:x the ter-i!dei:d 71u1 titan:e. :dthsr pfa In!e u C vithJUt w':dvitp Jur right D uss'yss y sitrih:r IFS lyr 1. •75'a:.n U71:111 mn•'nt{:vij:rJUl:t ugu!n:t 7.1;reid.lirr2 How tan!Avoid M hershn Pees?it a Renewal Nutsr is p rtad XI th,i1Nit.it aher-rv. fay wen -y.al _--p S- I-a: +::- •ri c,.,t ql. grin?1,1-A v., r-,.,...10y pyitp.J11 nul.n.nL'-u'Ip la;ty_.rn tiro t,tnre•J.,.,u tr.,th 45 is,- Il tit;intha Llilg yn, t 'n Jn y. r.t..t. .r the r-a.m•w'.tl,.d.nil I.r- :.y:le:a uzm7 ty d,i=st,eren[c'agues[tint[ate;bye your r tuna.T:,yrrid po,ing y nJndlly n'Mrtelehip lee, trim:t Dstm yl Seri--arr,'dna b mgwst thu;wy tlJSy our v::awR Un9 x�sill uhp u• =ing yew natddy Your Rights If You Are Dissatisfied With Yorir Credit GA Purchases.It you ury 7t=eutistird with the itply r port lee. ..lu;:s that is h.,p':r:hysyi with Too:?edit.-Silt,and y5U hats Obi in;put bah to:wed the pstl-n with the Icy:slant 71/1 Iryy ha,,the!yht nit b pyy thy rnrainin3 utro iirt ire"JD ne Furs a=-.r use this right,the How can Inns.My Armini?Tori:ill sn,ly_t;nstirr'yr riff:z ynytirlet'rrguyl diet we slot:/•JUI U'.;aunt.At lull:n:ing rust to our: dun do ,:=II;-nlr in'tory eVikiiintl t=psb i::ouut dosul e,inJudiry tut.,pry in.tlldonrvdan'yni[fa alines- - Meyer t ate rh,[ it you u-)air.-Sri.Sri -rstnyx y.,r,rrt tt.r y'JU,•k u=u.o::It,,.<:talk-:p 1_, }Y' h.-u,=•t y�.r r-a'[,•i 1,I r1-p rhJ.-P h. uyia"th:y.h,ir,n: t n'yn Atki nvrthy U1,1111:111,11. :he:kder.0:.:a==•=TJUr Jed(:ad ourrt is nJ[quyLly;and What happens n^5'An+•,nt is Suspended/We fray Owe n suspend yaw omurtt and T,ui tight to Alain:relit 2.)You n'utnJIy%:[hav4 iu111'puff bl the par hU e. J[any dire tit br any Iy�nJrl,'n-ntJyiu'nz rr tiuiyluu!r.4::JUrttw'ynsiin:an t'e;'Iran?ntn r.rpnyiy.If dull Jf Nz:.rrttrio tit,retree rrxt end y,utic-still dissoliutei with the pw:h:se.:.glued tie in vaidr,g tic r J w a:aunt i s:bred or x,sp:-,did you rust 1 r so::unillg yaw:milt sort ynV u::aunt.i:m:yl all talon eti; ,uFy-u aIa point Slit'.31 ieatny all:-edit sot:s and a_es the:k,and 4)Fit'all amount,you ova us.even d they 5eta1::hur3=i P J.1':a 3:215 titerrhyy_JUntv:,s:los•d JI si ended. iyh-ak::iq•,uT 413:3-c2Hs How do(Make Pevtrentif A;;ny nice,Tau fray pyy the rrirun'wr potent die aryl unp:ii tylun:a,err any•srn:n[ Ih?li e r.-inn-•dyer,die 'i= sae linish Jw in tenreyrt l',ylr erne fray to n"odr in several ways: ap.{.1y b 1h- {Jr,--d rurauni as di=:usseJ are..Ah.a 1)TOO.,ty gin!ybvv:w.:upirybie.:ou'anIingi!y into yo sr.t Ica;tigadall.r:;s:i!I tells our i'a'isian..tathvt pain(if we thin(y.'u an•:arl'm:ma and Tor Ja 11A. wy nay Tylrshan. 'e Pespocne iy:t= ty iiul!ry t�.t-015•717 id loll:tr other ,-When_ :shy ml:art you,s i-linguent. Opp pyprn4 thruuniih UUl oust ryspanre sistr,Tan UUtnanc alt.ink,[an.4tH Sr lII'4::nit payn•r1 thy[vt!i lTIta su to 7etiei flea yaw tank Us;aunt.Fred:rayte t:':thiranrl!. .pa ,pairs irupirut tine po lyivraeliairt-t JUrateuottPiignrcy;Jn-.:Jn' '}•JUi tank y::aunt us seen as oly syn'y day we d "t1:a;:i[',I;ire.:,pit;lt)!ly isatyie:';tly,rgisr:ry75erri:y n'nk.aliighi•rzszrve7. day+lzre; 31,uiEly 7,11 ur telethon rn,:rtei 1l t-0555-T_7;and pnidirg our c,trrliiirr t op rcpteryrt,dre; 4;D,yl'ent ty n'ril shJUli to sera b the Frilly edi:eee plasiiyi on thy tatter Foam ai this mar Iryiu_ cT.,c 1 Ij3::',•'11 Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payments smoothly: Home Phone • Don't staple or paper clip your check to the payment slip. Alternate Phone •Be sure to use the payment envelope that came with your E-mail 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. • (g ) Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity •View and print copies of past statements • Pay your bill online Sign up at www.capitalone.com Ca _ \\ Page 2 of ��--�","``''_ Customer Service 1-800-955-7070 Feb.12-Mar.11,2012 29 Days in Billing Cyde J 4,✓stc% www.capitalone.com l -- -- Credit limit: 512,300.00 Visa Platinum )000C-XY.XX-XXXX-2661 Available Credit: 53,025.23 NEW BALANCE ......M.na PAYMENT MENi .3:?i.: t: Cash Advance Credit Limit S6,400.00 { —$9,774.77 VIVA: CD,:012 Available Credit for Cash Advances: 53,025.23 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 59,857.07 J — 1 5350.00 + ( 5260.71 + 56.99 1 = f 59,774.77 /I i 111 ll ) (TRANSACTIONS CONTINUED j TOTALS'EP,R TO DATE Total Fees This Year 570.00 Total interest This Year 5708.30 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 Cote. { I4 • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • ,t • • • • • • • • • • • • • • • r+ ` 1 500821 CaPita - , ' Your rewards are just •4,, rewards- .., . i hop, skip, and a click away. /r rewards' \ Visit capitalone.com/nohassle today: \ / V • Check out your miles balance. v • Learn about your redemption options and redeem your miles. • • See the details of your miles program and answers to frequently asked questions. . • over Page 1 of 1 1 Customer Service 1-800-955-7070 Mar.12-Apr.11,2012 31 Days in Billing Cyde r 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 Visa Platinum X0IX-XXXX-XXXX-2661 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 $8,511.87 $315.00 May 08,2012 Minimum Payment 1 21 Years ( $14,413 If you would like information about coedit counseling services,call 1-B88-326-6055. PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING:If we do rot receive your minimum payment by your due date, Yo PY�- YYo Credit Limit:S12,800.00 Cash Advance Credit Limit:56A00.00 you may have to pay a late fee of up to$35.00 and your APRs may he smeared up to the Penalty APR of 29.40%. Available Credit:54,288.13 Available Credit for Cash Advances:54,288.13 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 111 59,774.77—i - 51,500.00 1 t 5230.11 J + I 56.99 = I 58,511.87 l , l (TRANSACTIONS ) I (REWARDS INFORMATION D PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEMO#2661 PREVIOUS AVAILABLE REWARDS BALANCE 18,725 1 29 MAR PA'rT1ENT (S1,500.001 REWARDS EARNED THIS PERIOD 7 TRANSACTIONS FOR DENISE E DEMO#2661 (reflects Uansactions posted during this billing cycle) 1 02 APR BIGFiSHCAMES"137978222206-448-66285'6. 56.99 AVAILABLE BALANCE AS OF 04/11/2012 • 18,732 •Total Transactions This Period 56.99 FEES For up-to-date rewards tracking,visit www.capitalone.com CNoHassFe rewards' Total Fees This Period' S0.00 or simply call 1-800-228-3001 J INTEREST CHARGED --- --- INTEREST CHARGE:PURCHASES 5230.11 Total Interest This Period 5230.11 INTEREST CHARGE CALCULATION TOTALS YEAR TO DATE Your Annual Percentage Rate(APR)is the annual interest rate on your account. Total Fees This Year S70.00 Type of Balance Annual Percentage Balance Subject to Interest Charge Total Interest This Year 5932.41 Rate(APR) Interest Rate Purchase, 1 29.40%0 59,215.09 5230.11 Cash Advances 29.40%D I 50.00 50.00 l P,L,D,F-Variable Rate.See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447008342661 11 8511871500000315004 CaPaie Account Number:4003-4470-0834-2661 Due Date New Balance Minimum Payment Amount Endosed BE SAFE! ., lr May 08,2012 11 $8,511.87 II $315.00 )I Your trash could be an identity thief's PLEASE PAY AT LEAST gold.Manage your account online ("1") THIS AMOUNT and end the paper trail. Sign up at www.capitalone.com 400009 DENISE E DEYO 916 MAPLEWOOD LN ENOLA, PA 17025-2073 Capital One Bank (USA), N•A• I III 1 1 I I 11 I .. I II I II P.O. 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Log in or enroll at capitalone.com/nohassle 2.Click the Rewards Summary tab • 3.Click the Explore Rewards button (No Hassle rewards- Itmenit program frntures and ream,-may vary.02012 Capital rim.C.npiral f.lne is of drril}'regiv`nrd axsicr murk.All rights re,rrunl 002 u Haw tan 1 Avoid Paving Interest Charges?E,1i 1r:xdh you Fay put'New Han."in lull,pu nil!hay,•a When will you Credit MY Payment? tt r g!'re Feud f 25 dap irtt:r t:harg,:,ruCr1yr 11 F:ur:O. 2)teln:e Tnn:1e!s.SI s•,.J1tl •Fn pout, zr the Fhurren at ally to= .,,day s. va iC as long as they a1 t a22 ty 5 var.ET. pal hall,ant 4):Cm:harges.11 y:u hare teen Fa'iog put a::prat in tall 511th na•inher tit shames appi<]'m!i sou •F,ur•aik2 p pr nit.'ae al the twine::lay we reaaiv,R a lung a::I)pa end dr.tattoo pndun of this do:IA Ms:hill ill lUil,pr_:ataotxenhnga' It "-a:.J T=t-sroyr...p i'n sash ad:a,.es. 11,t-.1‘,111.and youlr kit th-m-bs-i r-rCm.--tsbr ad2)/ F-p - :-teeara'd rt ll-ot,ur 95r1--1 uansters,or:n any a-s:u=:nsa:Tun.i;entse,tan unSau2 e:t arts trarr ayr-siaa,tO. F.:tasitg:.entr ty5 cm.Ia:.!Cass.rEsase sift,sa t bast:7)tosb!t=s iay:for n-oil dylirary.Mai!ei F:}rt'eno How is the Interest charge applied?In;zrrst:het �::fur Inn'the 1;date a1[ht trunsa:.d:n!.2)date Cta ..=isci ty us;a any nhn l-::.atipn al in:oy ash:sv t�nr n'r1 nest=;rsclita9:us'al the day v:e rx:eive then'. Rama:.don i5 PD.===•d ar 3;hot:vl-ndn Jay a!t,tiliiry pried.Inpresr;ha,t-s.11111,all Iraq unkaii atr'airs Do you Process Paper Checks as an Electronic Funds Transfer?Paureras still to Fn:essed in:n,of wr untl i t I:1/2 i n lull.Ellia m?arc pun ay a v r.inter, :hasps sysn h pu Fat the ar:dra`No,Ealari on,irsnth, When t a u p-a i:-a aheak a-:h:k intarrr-dais r,'r-aka a t:apron,you wrharie us or out:g-ntto use hilt tut did rut Jr.1.thy pesiaus worth.Unpai2 11.515.:ha:g-s are adze]rd the poi seytr'eta a!,1a Az-aunt. lot:nratioo to rocky a any thrs ACH nail:i_r:n 1st:ale:bol!i:!urd Caroler trarr put depart ant We tray Hava.tvri 5:r'r;ztva b7 tight to no[u=s•==inLlest;harjts at•anytert. also tin the intarrraadano Fn:-s,the aa pip!•1 a unlsrt:n. Do you assess a Minimum Interest Chan.?vas.A!rinhrun INTEREST'2HARSE at 0S::still t-assessed at ta:h What if I file for Banktumtm?it sou are:ntidyi ta tanbuyt prow:Can.this:.mrrruni_.dan ie tai inbnratian G!lira p.-d y'n a..trial is tut;-,r eo' ;her,. ony:tmoanst.r1F,t _..:L ISSISS ..astral-01a:.an'Conot sent as caprxrc nat'toat tyta rr.)with How do you Calculate the Interest Chame2 1Y:us a n'tti 2:.all,]Astraj Daily Hams;in'.6,]ir:y ntv: Tut tunbupcy attcalmy It E,nbuFt.y:autt It}^oils sour uma:nty v.-aa t lib•[a:untg:tsex tsn;tu.5 Jua's Ilnd=r thth, 'ill., -prialy't•Iat .r _y' :1!tkdr Cyr. yt e -r...r,.dytl- .. a5Cs.0ne• iIAK:2_a•yak Lath: t}, .i:413Es.,..5 p�J:73 in its'a oansa-tassa mr Coe I:,LOJi�I!t-rest:hay,on Ch,rpasia!:a Ja 5s talm,: then 2i sath t any BILLING RIGHTS SUMMARY;Joe_Not AapiyltuS,:tai 3rai:,wa Acr.heeria; ar:rmt-and:rant tat that eegn ant as at that day.me reetth!e the daily talam,as tab:regnant.Has',ner,it you What 1'o Do If You 71ink You Find A Mistake On Your Statement:It Vail think there is an nrur an par p,id}mow Fi=visuSir:mtya tal5rreir:lull:a,il'pur tO1111,Vast era or•,:.raid ar51152,rev:nansrbarst rhl:h Fast outyner{s:aiL n u<.1t put Fur:has_ar sFe:ial Fur:hrt s-y:rJib:,r rr-t:2251 o thy daily t,la:es.usa,Dun/ad-btu that at-autjs:tta t o grate Ft,b]ale not add57 o the daily balon:es. :ryHal:ere Nar,ot'sd put Av:ta,a Drily Celan.:1),51 O:-2-:Ely talanr•t'�xds-r ix-a:It se J')dial-ill sun'ty r.a.E:g3ity ally numb.of try,in ally tiding y gn'tu.., eat lake 7ty,i1i 9:'37:255 rod ot sash tilling Isis,s:•deal-nrus pun intr-st;hagt as loltor;a:U t ulriyly put Astragr(wily Ealama h:par Into,give us Thal lafm:iog tot mradao: ty thy 2ai!yF.5iodi:r:L AR Jisiie2 ty 35E4 lot that sager-rs=and 2)multiply ma result ty the marmot of dap in Na •A':ally iolariaOat YA1111nrtan2 a:r.aunt n:ritt, c,iiai.03TE:Due a laundo:g as 11 mit:aru i Ent-t at Janie. '.hs us •[saIl,l:rr:runt T:•_II '+':atom oorrt atmt su=F std an art -525)55!yassautJ. •Cins:ri.C.1 al PntLn':d y-au think thy.it cur!,liar an pm till,Jtt.litt cMt you Lai-,••it n'nry and why pa How can my Variable Annual Percentane Rate(APR)change?Y:ur.AIN a ay it:::,vi•at d-:moos :5-d all an, taiese i[is'e r i t:ke. a!fix latbvirr epttd irdi as,'rt Fat-din The l:b Strata C rsre,l:.Tatird shi:h indtu is lad tar p5 ;launI Ya:u'r:t:ant:sus vitn'n 5::27ys atsr Sit t-Il laru.sits all put st,txn ircv tsr-s tat a Eat.:-tae on thy tract at this stair.of neat to oust.•PR:sr.Than:h:t the ndL tsb•5',: Yoir us[natty:s at any Faiyntial nnra in v:lilir)<.Y:n,n'ay,al!u=as o:rtity tie ele;bmi:ally,tut it}-oil d:,n_gin. Code next to your How do we calculate your APR(s)? When your APR(s) :utreau!trita isinstiga;t urtr Fatenualnrar5 a:d pa n ayh:.e 1.11 ay the.'aunt in guestian.a s'-till natty pa APR(s) Index 4-margin(previously disclosed to you) will change vathi1132 Jaye at our!s:aFt at put lams!. j trio While r'-e ir!sestigatt vaIr-Olts ar not thy.hs 55th a?!ernr,th,la:n'.irng are Erne: r r^.Err Rar- r:Agin aht first day at the tiil6r ]s ihR L 3:ronth LIEDA r uigin end!Nan.,Apt,luly,'and at. ..,,nn,-byb:allr:tthe:!natal itt gustlair.is typo,.sass-n'2atsilarntan that=nr:wui L NW,Rar- :'ngin Tna lita[i:y:d to:h thy ii.auasTonna}'ttn'•u!,uoysri star-nllt.1r 1ray 1.11:111i,11:1 eras y'auirr:r1se an the[srau!:t .r r_n-t EuC it ere ya•tnr ion.mat v,n'ade a n intake-you railt rat hara:o Fay Crt arnun[in guestinn n any ltd.st al rho r F 1trnth UEYS margin trunth!y tilling p!iod. ' Let retort-J o all art'ucit. Are there MOItimnat Fes associated with my account?Its.1m2.:seta hi air:arrstan:es.Vail 1155 alt'::-,ti a •WNW you is not has to pa;?a•-i aural Iil�u-riot until ve red pu a malt,.La?M:aursr-at our r : Cats al RL:urtr-d t'am lIrt tat.You nbya!?a tr a==••••d tsua:Iirri tsss tl pill iOrd ty t,w.Wa tessnr ill?tight IS not im=lgauan,pu say r-,Fonsihlrr 1':r the warred.:4 put.,tars:.,. awa,t ale,,nr:hair prior tr.dhae and nithaur waving ail!tighto;...,a sir:it.his ii11,1. lh'e'.an apply any uo,:aid aroma against your:rtda lilriC •• How pm I Avoid Membership Fees?ita Rnr,-n^lH'uti:t is Frilrte]:n Cmtoran at Cis stateacte,pa nary avoid tai,.it da - 1t,nrnu;5-yliinin:sihrr[huts',:art:-9 thy paying at nr titantar:(Ittsty:atrmg,stracttisi,a nar'at than 45 d,'alts the last day in th•L'Ir• .y._ .. F Mt., 1J1-d - h j g L,r } n, :.at.r..m:m q It:.oaeret ty dos a1aLa'rn5;a rtquee[th,:ne:lo:-a pur::;:run:.To...id Faring a n'onSI uzrrtrr=hlt Ire, '. re:c ono;[:usLn t!S:wi:e an;tint is request char wt;lost put a:_om4 ant n-ail!sluts assessing put manCdy Your Rights If You Are.Dissatisfied With Your Credit Card Protheses.II pu ate dissrtistiad with shy moods n n,rrc-,ship la-. > .-s that Vu hare prchased till pwIII:It,Al,uuJ y.haw triad iu pa:lUith o'an-t tw Fntlm with How cant rho.My Arrnura7 vat:an:air:[:uttnrtn 3ersi:e anyJn=uttquesttin[v:e;last pur:::aunt e; the rrsr:harnt y:unuy host the tight not F:r the r-minimaan'curt duo ar:thepunst:ase.T::useuh!sright,the IIloning trust to Cue: IFItrz,sayll yxplain,ny 122i:ialal:*_-F=u:-:aunt d',surt.inau2_i tal:n;a Fay i ashlmarrratlan and chr aims- ;ry:,u r1'n,:h•._u:- .• .... rv1,Th.I pu ire put:teak sad h .n put assoter,that puask,G:lags it,s'. nk-ap p, • daan..h,itn m 1 arch, h h 1rad:. ' .s'h.:awn�.huh , Arht nni,ha Vaal p: Mask Thar a.. - _!It.arIa_orsrdo nos giall,.rod ` '21 a s[ t pt haw tst p'a :17 thy l 'h What happens my a.kotaa isu:ipentk0 M1 a' to r p dpi a.;oarranl yiurrght to atL n..rdt at any N'a'ad for art!-astir ezr ti you an rut nittsu A-.:aurtsu•�••r-iuu:m Cal{.-•'r meat a't pa•ry.It It at[h..t.oat,.'n..r'.tard} il-1n-,CA--d snt!rh:µ•.h=-'urtta,t:'ns.'t q'r.L at saur- t iS.t--td 11 SUSI:IA,: -alt -uF 1Sillj .tit - d--. C 1.2,1 alt xract atis :aptal tsr p,yv.L,.t i illuy all a.J t..rde and,• .hash,and 4,p,,all xtrounte pu on.u:,1,11 it thy;555.55 J a js i 1':t.p„,, alt.nit a::aunt.•as:last]:11 sushiand-J. tall lak tity, A.4132-22,5 How:do I Make Pavmwnts?At any titre,pu tray pa'the odrdnvu'Faym'en1 the tali:unpaid:balan:t,or•nryam-aunt tshil in:resu'ale the s:v finish:,tit in ttnrzn.Pan e1rt>rnaytx1rai,in s-r.nl a;a;•s -v- y sane mks aFFlyc Rte disprJ!nraunt cue 9s:uarJ atova.Fier t);:flit:tygoingo r'.v.•s:�:,lFital:not.:alt.n:i Laying invs Taw a::a:n¢ •'ugadan.v:t till ell;-n,our Je:ision.At that I. Litre^think pu ow,err art auntand}-.,u do nut p�an wry 2i TtLehanevr:e Reitaus-Syang Lydia:41g'I-C.::t2355.707k anilall:ssinj the pin'nun'pts.Who:pu Bak, r111:art y-.,u a_]-liryutnt. Fhat!t:-aprtra Ill I/gh.11:.,r-s7:anz 1 sea:r,pu r thane ai c:initiate an d,H:r,L;tnni:F apret i tar cat: ttdati�it our tank a::a;tie.Fun's may to nitdlvat ltue.out km :aFt I�esuFpa idnn'afon pis• ion_s:-t our s:etsi;-. tu'n'e;:Ft-Aon;.:art n, }^ + , kit:autrtaya'JJn:laLhaa.n'ei•,yv:, d2 t1.sp1ra1,11t..aF!e,IJ!1115::,tit!ally!ejr>Lredaerstien'urkalrigtCartF-lYti. Fso:tss Ynv coy+rtr:C 3)tails,;our tsl-Fhne awn to t-It7355-7071 and pnsidrg yv u!59atr.'atio!:b all:zlrtsnffr:nz; 4t Papaws:ty trail should t,sent to the trai!ing'sh ills p sided ao this tat:1 1V Famia:r al this lta[e:rani ET:CF all;..,.. 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 - L1 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. WINIIIMMINE=MIII=MI=MIMMIIIIIMMIMIIMIIMMIIMMIMMIMMIIIIMIIIMMIIMIMMIIMIIIMMIIIMIMI 500008 Ca;;;;; - what's in your wallet? It could happen to anyone. Make sure you pay the amount DENISE E DEYO due on your statement as soon as possible. Keeping your credit in good standing can WHOOPS! do a lot more than you think. GOOD CREDIT = GOOD CREDIT REFERENCES You're behind BETTER INTEREST RATES by (good credit could mean lower interest rates) y payment.1 IMPROVED CHANCES TO GET APPROVED FOR LOANS(when you want to buy a home or new car) ©200.9 Capital One. Capital One it a federally registered service mark.All rights reserved. Pagel of 2 ' 1 CaPlitaiT Customer Service 1-1100-955-7070 www.capitalone.com • Apr.12-May.11,2012 30 Days in Billing Cyde i MINIMUM PAYMENT WARNING:It you snake only the minimum payment each period,you will pay mare it interest and it will take you longer to pay off your balance.For example: Visa Platinum XXXX-)000(-XXXX-2651 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE Mg',8kitihl PAY1,11kTiTt-T .F.':f..:T F:,t12.4.T1.: Additional Charges Am Made Statement Balance Total Cost $8,762.14 1136-45.:.1:1 Irrir ag,291,2, Minimum Payment I 21 Years I $14,773 If you would like information about aeriit counseling services,cat 1-585-326-8095. i::.:',.•:-.'xis:::::;y.:f;1 LATE PAYMENT WARNINGt If we do not receive your Mnimum payment by your due date, Credit Limit:512,800.00 Cash Advance Credit Limit:55,400.00 you may have to pay a late f ee of up to$35.00 and your APRs may he inneased up to the PenaRy APR of 25.40%. Available Credit:54,037.86 Available Credit for Cash Advances:54,037.86 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance , , ' ■ L5%511.87 ) - 50.00 + L S243.28 J + [ S6.99 1 = 58,762.14 1 . Help is Available. Renewal Notice-Both sides of this page preside important information about your rate(s)and how your interest charge is calculated. Just pick up the phone. (TRANSACTIONS J PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEYO#2661 Call 1-800-955-6600 and a specially trained agent will TRANSACTIONS FOR DENISE E DEYO#2661 be happy to help you check your balance and make payments. 1 02 5141 BIGFISHGAMES'l 41161127206-448-6628WA 56.99. IP.Total Transactions This Period $6.99 INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate(APR)is the annual interest te no your account. 1 08 MAY PAST DUE FEE 535.00 Total Fees This Period 535.00 Type of Balance Annual Percen)tage Balance Subject to Interest Charge Rate(APR Interest Rate INTEREST CHARGED Purchases 29.40%D i 58,619.05 I 5209.28 Cash Advances I 29.40%1.) 50.00 50.00 . P,L.,D,F-Variable Rate.See reverse of page 1 for details Transactions continue 00 page 2 PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 10 VVVWV.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. I _ 1 4003447008342661 11 8762141500000645009 CaPite- Account Number:4003-4470-0834-2661 Due Date New Balance rvl:,,:.,,...,,•,-,.y:c..,,,, Amount Endosed Take advantage. Take control. ( Jun 08,2012 )1 $8,762.1 4 .) .::::"4'.(:'0 I n Manage your account online : . i ' . --. - ) at www.capitalone.com Make payments a ii TN,,:AM,1:i.iNt' • •Review account information •Manage your account in privacy A00006 DENISE E DEYO 916 MAPLEWOOD LN ENOLA, PA 17025-2073 Capital One Bank (USA), N.A. P.O. Box 71063 I'll""011111111"1"I'll'IIIIIIIIIIHIIIITIP1111111'1' Charlotte, NC 28272-1083 1111111.11111111.11'1111111"111111"IldIll'11"11111111.1111 Please make checks payable to Capital One Bank(USA),NA.and mail with this coupon in the enclosed envelope. ....._ — • • am How tan I Avoid Paving Interest Charges?Ea:ti n'arr Ii pu Fay put'Newt Enna,"in lull,you ni11 hose, When will you Credit My Payment? m'gm;v Faioi 1.5 days nia rn i:ttan t:hsrge:m ill Res.Upur-hewn,211.,)-n:=nnn ina,3)E{sir:l •For online Jr-'rot the Fhanr•es aI the tusirras try v:e csiry it as long`,s they ulr n ode ty 5 For.ET. n nnn': purhas>ma4):dm:hng°s,IIy:N her,to&n piing put a.:!mrt in hull nit,no mfrs tinge:,i iio7 infra pu •Fx ir,il,7ppr-ntn.ne at:ht tunitwr toy rte Ie.na rt,s L4I3 e.:II punrd Cm btbrr portion A this b rtl.uy put nye:till iti uIF,-,.: _. th-,ges rlt -,...---i 111,, lij•j1-Sitt plitti'r,_n'i-r:-=. srt-•rerrani pa any:kin by e••IJ.]'rid-.,nnntitop,,•].;ynut FJp.:.rn!-rr,:irn-,r,at.ur 9::•cl,:F!1I1 Js,n an ern-vrdensnt tonvd,en the-is:nut/paid tntrtce tram",{aetiaus till. pntesi:g anut ty5 p.rr b:IFrre.MTJE_`aior.Utleat:7)tusintss dips I:orraii dalivery.Mei!ed.1rTII How is the Interest Charm applied?lntei Tt:Jeeps,:❑ut ll'm the U dot,f iht Vensu:.tint,a Sae dr. ---i,•d tyuS`t nny nth,l:retiolrn in env nth.Inv a !o[b-:I_iadt l thy Iry,:et-_:iv:then'. y tr,n,e:VSt is cox-nn.i m 3)tilt;:41,11]n jny ai thy tilling phial.Ineteg:h,l:lts,::utr am=rely um:,id naaurll Do you Process Paper Checks as an Electronic Funds Transfer?P,yrwtr VA L,prx=s nJ in one st M:J until it is Kai]in lull.This n tams pu Iray DV,interest:bps even L you copy thy end,,'New E-lii 'ant n'and,, nv)t:Mtn pu p;,ddn,:he:k m:hnik intanrndan r Ii it y I:nynrvnC)ou,nthnir i tar ant.,ruts t use the tut did rut is it)to da F:etial:s I:'andt.Unpnd intrest:h,a-s'In:Kitty;a d:-I:rapyl sgt'tut of`ant pct:amt. ii t:rrr,dais m taut-a tit:for':A:H U-itl5 ri:n n Al,el-:?:mi:iwa V',nslei parr y:ul ieponit-r,_:unt We Inv Ft'sw Vii.i.":�-,••t,:r J,t[nra"sctnt-,t,•.g ytiire. :am une the intuttr.Lm CiFJ,-s d n tni:.h:k --niJ„iJL • 0o you assess a Minimum Interest Chame?,' A!rinitruu INTEREST"HAR5E P10.5.;will t-as:-s ri Iva t,:h What a I file for ganlountrv?!I y.:u,re epndeJ t tinbu,t pmeldan.Chin:ii I•ii uni:::e•Ju,is t>!intmn-tion Kiting peuad ,:aura is sutj•:[ta in nitwit:h•ags. - ""!y.It is nit ill,dtu'pt U Ol!tc4 nssts ti,IVel Intl.a: n!n.DJ:nt TPrd us ptysrente without s,inyangs- h How do you Calculate the Interest Chortle?lye rue a n'etna7:culled Aragt L"oily E,iena;in:.luiny rimy your tantrui'ry array or thy Eannupty Could you o:pm'ydotnsy tout]lit-t:-r:t:t am tac::upty unit's tpnitiota.Uriel Thin•r-th,^s .,huIJ1-put].?}dirt&;tut ,t• ;v t'c d,b.gr :a Caen, �<,r•r i.`-,n;•_I-, ,p,.Di-• ._.. _J• Sind Sidi in Fyn,si,TiFii n and Nil cubit.intt-g:hag-:m die colitis is/s emit:e,thnn 7)suttrrF ern; BILLING 0.1G1HS SUMMARY;Duns Not Aut,lniu Sr,nil Stni•ress Att.truth; r 1.pintan uni:redity t:r thud aegn arts ai C!,[Jny.r.^r.`esuF is Iht dully tutor,bt ne:h s'egiteni.Now,Yr•it you What To Do If You 1 F nl[You Find A Mistake On Your Statement.I!•ou think[help in Sit mot ml y m Fail pm prey„•trimlYn tutitty in lull;DI it yitli t ii!_F ins e-ID to ,,.or'ut•;,.t n-I ,,,.n.r,i`-.h soN nit-ri r,art trio[: F,pm p:hee or spe:el pur:h,se s-gn'er! ,re nut`ilFal t tint tinily t,leru ns.list.earraabn:that al.sutjtst to u gtn:e 4Til J,:t nut'idia] the d:ily then:ea, Cepite4 ant -O.Ent • N.:,Uhod y,m Arenujt daily Flint:t!,di the Jelly tali:cs ojem-1 for a n..:nn•41 itit•i!d?;dnidt thy sun ty -art Fat,it;•,LIL 5pt 3' 2°5 d,•nmaer of±.l•in dtr ti£irg .I-. di,:ad al Yule 1111,y Fit,,-iatilrin-sort Interest.h,ge as Ulu:InulriFly put yu•erngr[nilc TiIFFT Ip pmInttni ghe us the tulbvir:g iUt;rlredao: ty Tn d-iiiy pntbit:rat"Add litideity:5_a In an-tsenraTt`Sid 2)Iruldplytrn ryprk ty ton nuut-rat^ ur,;;t!a:r°i;an'riur nor t end,::.matt twat, t act aFttiai,N:tTE:Duet:tumidity ateI:illU'.ist-r-st:hutJZ.thin:al:uli:dun any wt•Ira:rtheir:t-rnntdinr- Fullm'ntnrnalthe null ti:tar. rnuii y esstsseJ. - •D-E:li„dun of Pobhm il pi thin”there is an:arm on pur hill Jas itn Malt you tubed:-e wrong:rd why pu How can my Variable Annual Percentane Rate(APR)change?Your.Aryl t ay i:cl.0--Jt Ix:n,:-tuiFi an are tenure rtis,t imnkt. of thy lobos-sin e ott::7 etii[ts'rnpnej in The V.4tal Street•br.nEli,.Ti lid roheh into iE used lol.your U:.:aun1 )yl:Vint aim:t us within F dip:ilia Pe:tot-.q4:-iiiF on y,nr Hot:l nit bok t,ii lnTer nn the lrnn l this ttini'tntltntt);:ii NF's,.th:nl:ht:t the ritIn tiIJr': van nut tint yus:n"ny FIT liivl errata in inhinu.171:any,ul!us al.no Flynn rlt:nani:ally,tut it pu]a nun at Code next to your How Howe calculate your APR(sl? When your APRs) not ealA,1U il:,-_stimte nryI pt-rtd,l enat:art]):`u n,/I' ,1I.FCta.raunt in aueian.K?w,iII:taity pit APRs) Index a-margin(previously disclosed to your will change within 9t deyn of out.,-eiFt al pm leas. P film_Ti' a rlogin :ht nil:2lay •of tin'-ti!lilu polo]]ill lSRlil.-n^.•insms[ig,tw;mthrra!nx;;tae has been an erur ttnt!bvitg ale cue: L 3 n'on[h LIEF r: endinAn.,:pail lull.nulat •.in,-in.,cyt:'ell:a d:-mr-:tart in]alto m,a!r=prtpu Iekt1ueld an tint mount. U nitre F.ae n'brg t dulling 3;y al•-'h •roe:nog-in gl:zstinin ninny tirruin an yolx stttan eliC,r ..U thug,sou inteiFt an Th.at cunt dv:-r y•:antiru: Ell[!I rte I:tenr'itle dt,t in 1,.1;:nLTin-VDU Witt Inthn,zt'Fn1Cwt no-au:din au-:ti'a:t:n,try i:Helen n'AIN; nNI LI FJI nrogin natant;tilling plod. ....,eito that'er.'oua? Are there Admmn,.•r r ns associated with my account?yes,under:tmrot:ieutrs:m,xs,y-JU Rey to nnn5ESai a •While Ty:la Ras hnue to put/thy utrunta hl auesti:m nit i van s;-nd you n name,tact ate nntanara 51 our I--t Si lintmno1 Ft rum ell lee.)•YU rru;tat t-unnnvind Ovad:rit tees H Fern OA by Inv:.We(tonic-thn turn In rot lnendg-dsn,you nit respnsihn In[ht ear-inla:d psi Dafrorn. „_ Len without prim native,Sid nithalzv:unlit om light[nnnnnn sin'1,r 1=e •,y'e::,,yF!ay any UO„nN;t'ama:g,intpun:reli lirr'IC How an I Avoid Merrdon hln Fees?it a trtes',•i lit :t is Fir at[Hit tr rrt:i:this its!r'enC,JU[re;,,-.317.1 l5i hi:l 3.IT A jilt a%eatt at pry Lna•s:m roil!Rod;ou a t-:tidett n:ti:e-xl:lnhirg-k;r=r]her ire:all.:IZJ the pr,,n51N:1n,el theguhiFi.ti i�unn:drn:A:Fa r run n:pune:unl.uifiry, tannal.nynttnihipitle ,trot;b iFl:tor an pa na:;.tattuzrm or thenasolrsv.::t=1i.s:•thy till i.:.tort-r. :car-IM ty the V[nC-n'enl U t-aurn1 dint se:Jaw Stott a::aunt is ui:Jii Fe)irt7 i rr:lndtly n'nnt-rship le- tattoo,ustn tit S'rvi:e atry*nr-:J r-dues[that ra:lost Put e::amtt anJ v:t ail]sbp`�”"'i•n put ti nH y Your Rights If You Are Dissatisfied With Your Credit Card Purchases.n you,rr'saint]-i wit:^.the:main n rrnr1 chip I ,es Hurt you here pn:hnind with your:reJO:oil,:dr you hnv:Vi>I in goad lath t::arrest In Fratlnl with Sir the ren.,hntt y uu nr,y her:the light nn t pry the rerroil:6g•rautrt Hue on the Furt:nsr.Is un:this right,tin How can l flns.M.Arr....?Tau sin:attn.:Uitaa:l YIN eny"JIrn GI'au-[BI,[Y:.tilt' n::-VIIL.At • I:,Ibxing n us[to Vu.- d:,t d:rt,r;=II-ala,ln alq.,d^:rtianil:typo t,:tool.,d'»une.it M1,I!!y btalne Foy d oval.intorr.,don•„d Al.rlinrs. • ::amrc 0.1tJU n•k uEU:ban iC n-:nn tee{:pal t l'JU trust her-usrd yon:r:7i[:,:7t'nd:-l:u::ha,a.An:h,Ee>not:with:.sn,iu,n:r'hau'-m ATM n with n Hess prod mat it pu tie yJm:rein:Sid at:.hag-=;ant n yam ) v.-torrid opal. tlrn`t:s«=vpm:r-9it:ad e::curt]a not auvlily;end What happens If my Armin,is SusnendeQQ Vii troy:km al.suxp-ni pal,::ourrt end)out tightta ottnin:rtiit `)You rrut mil yet here fully paid UI the Fur:hre. n. d,Halm-:rk-Bite,:,•:al-rret.111.triDI,Fa_i=,r„ti>i,:itnme taro e...antstn:Inidn:',r it my thin etd br any r ee.n.trend pi)pn not in]tleulr A::our"wocyrtint'.an t-ptar./ra Jr CUL yIt F L.-�J. your nssaunt in:lose]m stepmiei you t•lni 11 sip using put:ilia:on)ronl.::noun[21 soar all utrt el.nth ,.,,owl al. Far;eat•?l ins'Vsy nll:.lt]i[:-9s nn]r'-..:het.nni di coy'i l l nnunt you a w n_Ili.,V111 it[hty rate:hnj'ni p t F:ogc2a5 att-t Ih-,sount wan closed Srsusperaed. Sash tut City.lli F4 SC"23 Hon`do l Make Paymentg?.At Ply iirre pu may p ih-t'inirrurr pynznt ire tPt nny-ei1 ttnn:e•ut nu:pm a:n[ ,STily inn-ssgne,in trnrettl.PJy,r - the ut ohs a F Y t ]is r i rtrumrt is:sn1 ytatz.Aht s:-%Ili ney tn'ei-in tayed wvys: linis'I am U atlil�i ty going❑wn:,:.:,Firer:lm.:olr ti lo going into yam a::aura • nnnsdgati Sit,n•:will Cal p:,aU!Jc'isim.PE thn4 pint 1 so,think you DV,an irl aUrlI art]you Jo not sr n-Fray IiT.:ltphntt wait-Fntpnrst Sysen'ty]la!i,,:l t 2 351n7C7C nil lnIlnrnnl thy tint pa:rl:[s.l5'h-n ynu!iik:u tit.yni nE Ienui turn[. Fh:niu pnyel'ela through o:n':I,r==l:Stintt;'stn'.pu nutharit us e:initi,it an hal It eh:t!ani:puy,re:tt that rid Z-prt'-I:Tr-supers inlan t-st;nn sti,•f.y pr oe:tian:tint our r:etite`:I ns.ulii i 4on-:an' to 7:tt iI turd en;n t.Fund- . :t7:uut trop'your"Rte,std'„.JJI -hh s ` '-rz lily we gr avtt rA:Y- .F �'e'rI ..g-rrrd'ery:-n'mk Al right,-ennui. II Cn!l!r'y our tit ltphare[Doty,I-,)10-35S-7070 nn]Fo.iiing your irdaurytini n our reliienntitnti-t; 41 P-innrt n?ty rrnil should I t v Sit to the n'•ni!ng,lives p:tides on tht tattrr coition ni this A:Noma. • ETC�l 1 Ij::;,•lt Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payments smoothly: Home Phone • Don't staple or paper clip your check to the payment slip. Alternate Phone • Be sure to use the payment envelope that came with your E-mail statement.Using a different envelope could delay processing. Address • Please don't include any additional correspondence. • Last but not least,be sure to write your 1 6-digit account Please print address or phone number changes above using blue or black ink. number on your check. • Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity •View and print copies of past statements • Pay your bill online Sign up at www.capitalone.com • Capita-- - �w Page 2 O 2 FPS Customer Service 1-800-455-7070 � Apr.12-May.11,2072 30 Days in Billing Cycle a o www.capitalone.com — Credit limit: 512800.00 Visa Platinum X00X-XXXX-XXXX-2661 Available Credit: 54,037.86 I I NEW BALANCE M3Ni.v133C`PAYMENT EN,E", Cash Alliance Credit Limit: 56,400.00 $8,762.14 S:;5.^:`' .nit OE,2012 Available Credit for Cash Advances: 54,037.36 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 58,511.87 — 1 50.00 + ( S243.28 + I $699 0 . 58,762.14 (TRANSACTIONS CONTINUED INTEREST CHARGED(CONTINUED) i INTEREST CHARGEPURCHASES 5208.28 Total Interest This Period 5208.28 TOTALS YEAR TO DATE Total Fees This Year 5105.00 .Total Interest This Year 51,146.69 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 yam minimum payment to reach Capital One. I I i • A 500015 �apita� MAKE A PAYMENT. AND TAKE CONTROL what's in your wallet? OF YOUR CREDIT WITH CAPITAL ONE Your account is temporarily unusable.The good news is, by paying the DENISE E DEYO amount due on your statement, you can still bring your account into YOUR ACCOUNT IS good standing. Let's work together to bring your account back to good standing. SUSPENDED You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ©2009 Capital One.Capital One is a frderaUv registered service mark.All rights resmud. Page 1 of 2 --- - Customer Service 1-800-955-7070 May.12-Jun.11,2012 31 Days in Billing Cyde CaPitaidne www.capitalone.com J MINIMUM PAYMENT WARNING:It you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance.For example: Visa Platinum )0CGC-XXXX-XXXX•2661 Payment Amount Each Period If No Approximate Time to Pay Oft Estimated NEW BALANCE MM MUM ;AYG,CZT n>i D AYit Additional Charges Are Made Statement Balance Total Cost $9,018.71 ;.. Minimum Payrrent I 20 Years I 514,6228 If you would like information about credit counseling services,call 1-660-326-8055. LATE PAYMENT WARNING:IF we do not receive your minimum payment by your due date, Credit limit:512,800.00 Cash Advance Credit Limit:56,400 00 you may have to pay a late fee of up to$35.00 and your APRs may he increased up to the Penahy APR of 5.40 X,. Available Credit:53,731.29 Available Credit for Cash Advances:53,781.29 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance ( 58,762.14 - 50.00 j + L 5256.57 j + I 50.00 = L S9,018.71 I (TRANSACTIONS Help is Available. PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEYO#2661 Just pick up the phone. FEES Call 1-800-955-6600 and a specially trained agent will os)UN PAST DUE FEE 535.00 be happy to help you check your balance and make payments. Total Fees This Period 535.00 INTEREST CHARGED INTEREST(NARGE:PURCFIASES 5221.57 — J Total Interest This Period 5221.57 INTEREST CHARGE CALCULATION TOTALS YEAR TO DATE Your Annual Percentage Rate(APR)is the annual interest rate on your account. Total Fees This Year 5140.00 Annual Percentage Balance Subject to Total Interest This Year S1,368 26 Type of Balance Rate(APR) Interest Rate Interest Charge Purchases 29.40%D 58,873.37 5221.57 Cash Advances I 29.40%D I 50.00 5000 Transactions continue on page 2 P,t,D,F-Variable Pate.See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 10 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447008342661 11 9018711500000991009 Account Number:4003-4470-0834-2661 Due Date New Balance Mi,.:». Amount Endosed Take advantage. Take control. Jul08,2012 I( $9,018.71 11 1 I Manage your account online at www.capitalone.com .t PAY i.=tc ....., .-•.. •Make payments •Review account information •Manage your account in privacy 400006 DENISE E DEYO 916 MAPLEWOOD LN ENOLA, PA 17025-2073 Capital One Bank (USA), N.A. P.O. Box 11111111'1.11111."1"11111.1111111111"1"11'111'1111111111++' Charlotte,1NC328272-1083 1111111'111"11111'11'1111111"111111"11'1'111'11"111111111111 Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. • • GGI It How ran I Avoid Paying Interest Charges?E1:lI t'nah you ply pr'New R.I.."in lull,you Will h,ve- When will you Credit My Payment? n 111111 urr gnu:e period:25 d-ye With nu interest:hurge nl ull new ly l:urhlms,2,1 C'u!-ui;torten,3)sp?:i,l •Fur ouliu.ur o•¢I the phone,u:of The business day ve le:eive I1 n Ung us they el,n'uie by 5 pen'.Er. pun:Eases end 4i Lane,;hurg;ef.II you hwue teen paying yaw,,.:aunt in lull With no ink:r sr drm;'r>uoFiiei semi y,,u •Fn u'uikd pysrent•.Liu al the fuseless duy vier,nine R ur lung r It you>erd G2 butt.'pm:n at this ]an'nl:tly,ourI_nt till in lull,coned iuees:tr,ge s,.ipte,..•,:1 There b togru:.e peid'nl Cush,loges. seen tent a ii y^aw the:k in the enured 1,11i0-I,:a a wln:z,',n777y.mr payment is f :ived!n uric x11 =Fe:i.i trensler,ar an ulyn,W I-,r su;tiJn,tren there is}11:11IF i• :t:m;-Ir:m ri:re,i:,u a ;.,.- -.1 .tie. penes>ing:ends by pen'.anal rin'e.Hell,oliav;set Lusi:77 kus51t=eioys lm 1311 delivery.Mui!ei r:;irenG How is the?Merest flame applied?lu:rr.•st oho:gz=u::1ur burr the 1)lute 71 the Nmsa;Gnl,21 Jute tree r.=i,•zity u= ,ny mAa l:;a4mmin ar�y other tour Ira}n:,[tz:re9ir-:ti not the 1'1 wee;Sinn then'. Eranun:dvh is pu'•ssui DI 31 lir-t:ulendar iu ri the til!irg peri:d.Inc:-sr;herpes;::rue an every unpaid utaun[ Do you Process Paper Checks as an Electronic Funds Transfer?Pstsrenet Will to pro:-s=et in:me nil n'o oral!t u pain lul.This uv hog::5,':-y;- F the end, Curer 131:n'unth, y When you F'u•rde,thek s Shea intr'uu•l r t.I-yirent.y'JU rthofe-. .-Silt U OF Ill, you :•m�:e ern 1.5 dd ra[]o ID 1,1 the canape conch.Uncoil ins:lRAA:hue yes ore odd,'U the.ISpzr I?;,rent.4 yule Attuunl. irrin:rodau to n'uEs ti aloe[i:r;A,H neriEwi:n m atsr el,:+ani;tu:A 091111,:Ion'pwr depaeit,;;;I:IIt has t:Iy IIJ!ttl:l ink.1111:hue.II:,I yli:t'e. ullu UYe the intuill,tm Jpulll the p-iilrte u:.he:k:run:l':iusl. Do you assess a Minimum Interest Chame7 Ses.A Ir!:Breuer INTEREST'HAR-3E at b::5::+:ill Is 1rr'.-:1 III nth What a I file for eanlouptcv?II you u:-e:nldei U tunhukt pae;0urr,dlis;a is 1:,inbirruti. ti!Gy phut yaw;r:.ours is sultan,Li nk r_�:huq• only.it is net Liu;deep:o:.:are:L asse11 a]•-uver I dear r:Ur,.[o II,II,t r _4l3pIIT,2._15: without sp:uid;lvoi^th 51ur tsenk.,ptoy ottmeyor the Fnbupcy aunt y,r ourvol}o.Atb 1 u:tunuuFt:y How do you Calculate the Interes Cha®e u; s Avz:uj DMil.e:inauiirg 1eY; uunsuLc:11- l er this rreh_i u:duly tl,n WI ..g:et,t t ke the beginning Eth.e ""A.' pt, ;.p^".J-•.I c3: __E.-s 4.U7 s ' end lid in new oans9:dths turd the periad!:ate,- :hag,>n the perdu.J-uy's tulm:e,It 2;sofa:.:any IIIU.ING RIGHTS SUMMARY;Does Not A,y,LU 5r110n73rairles>.4 s,•,ni y:,ym,nr.1111 aedits i::thot uzgn 5111'II.171v i v y.The r,s t I l i s the dully ttbm:e P oo reed)s'rgtrent.Haw,vet it you What Tu Do If You 1 link You Find A Mistake On Your Statement:II y o u think there is.n-1131 DP;pen paid pur previUus,,;;:kin's telur•.,in lull:.it rowto.nh:e\:,Ie:o::Ia1I.d t10r:nrah new nurru:umIs pn SU:II':Id,.a it:U us It L'•you:pu,:l,u'1,I-p-h:l punt lu15 s:;rent are n.n udied Witte iuily blurt c.A eu,o emntuns Alt ate:utju:t t., • u,ruts p::iud u:e knit oiiei c,thl`Juily finale•= 2,0[11 One Ne:,to rind y•ln Awl oge Drily F'Munn,:sin.i'h-dully bluls-lIUge!t-Itu::r11 segn'e15.Ink 2i loin the sin'by the l !write the le slh tuk:city,Vr 441 3G':2c:i A;4 ern]A e,:11 C!Iling VIII.r;--leterni e put Mrstet_hulgs Is U11111.s:17r•.'ulriply poi Ave rug:[':iltHIII:r: hr;a•n Lne,gin us dle lAlovirg iIII III non: 1y the d1I!y 11111,.15155 IAN divide]ly:r•I h,thu+.sty:5tn1 w1J 2)i ultirelydle rlIuA 1.y the mutteI ul i1)5 in the •A"iuId e,UlredUry(all ll'm:'e 1117 a:::uu]lt n:nrt,l. Mill:a peal.MITE'Due to I:;un111:-m se c'inirrus•inel-v1Ihue, - - _,thie;uI:I:1-lean:1'uy v11yirxn dle i1Y.-refi;hu+le •Erullar en.vet the!:1111 1m asst at the urreTeLted 111 are u;w,"y usssru.•J. •Del:risdlII:,I Potletr:It you tlhinkthew is;I1 et rot an yu!o till,1s ite v:h,t you t=lien,is n:n1.4 ad veiny you How can my Variable Annual Percentane Rate(APR)change?Y_tu AIR a ay h.:le155 of 1::S'use tulsi on one 11h5.,a is 111!:T,101. Al the Iollovdog reputed mite,,',epmei in he Well 5t.eet!uvrtu+;.Tu find Whith Index!'usd lx yalIr u:.:ouu1. II.III..,111111?U-v71Nn Se as-JIlt dte erne,pp':IreI ou yore ib['-t of i1*U11i.ttI:r.:m11,5from;,'.thisl4R:]:'tent IIsltt,I UI.PR:.Then:hz:k the tutee tebva van n'ushraCnyve Aseny pt>ndal ernte lot$511111 '1 s1.rr-uy:uIiUIo:n:mly aL:nunc'ully,teat it,Liu io re are . Code next to our How do we taloulMe your tut U!me.tig,t:n!'pat:1]ti'ul.erorl send;ou t uy hut-tu u'the un':,ulI in.uetan.fhb rill naI you y y disclosed When your APRs) a y F Y - APR(s} Index+margin(previously tlisdosed to you) will rhange 1'+'.i01Ia+'.thin:,.Joys Dt Liu.:Lip:,!yu:n level. P 15115 5 Rut- ih:lir:4 i,'of 1.h,ti!Ii1r Bois:hut Wide We-inv,15.I uS Vehldlel aI matih515 has 155,1 Lin 515,1,the UluWing Lire tar. 1g:n d pe L 3:rurth LIKR nAgIn ,ld hl run.,:y:,ii,luly,end al. • .n11;1770,11411 the v...u•gu,4401,DI epit vac us Jek]qurnt Jll 1.h,:mount a n •m: „g=il.Rue:hurl 1115 rerru!n,11}51,11 gar,:],:]1.1• ray_ .I5 U:hag,55111 irtaell n muc,IrUUId U nine Poe -. The rush but it w-:deb brit re del nu7,'ul Mote.you witnot.h,c-,l coy the II-JWIEu queston of an y interest:,:]thee F 1n'mdr UE:R n'rgin nnthly tilling period. reef cI*_to th'u1111)1'I Are there$.l 5i eel F e,assodated with my account?Sus,under;Aloe]111 051 11111 55 y o u rruy to u_:w:Ned u 'Wh e you do not hoe,ti pay Ih,'a 1111,1111 etUI]until we Fend you.I I.....ut:v,t m„1111:1,1 set DUI L,t:•r 115/111/5 li'a t At 1st.y'au u'uy slso Es l,.'-s,=d Ovsdi:rit leer d Nem ter by ln'r.As reverv5 the 113ht D rut nn't dg,dal],>152 rnl tefpanfitle l:l the t-lruindet:A pm t,lorke. Awe,lees vdt all N1UI 1 uti.ei i vifin,!r:airing:m right ru...III silil_r L=rata'. AI tri::ply a]:y UOpaid unromx 9guiut ycm'oedt lin'is. How tan I Avoid MnWBe:ol io Fees?II 7 Renewer H':ti::is pined 511 le lrotrt:,l this sGClrent you n'1y Snit !lithe:3•;eye A auI re:e;p:of put I:O,,v._v.1!fend y_v a written n:m;;:ezploir;nd eche1 Mot vas:11-:fed[he puyl,h u'r' L--pi by 11111'.:IU now thon 45 Joys ultef the loot ivy the Cllr; 511,1 :.11111 In put next s1,l.r:en1-•the 1-,1,1 11 w-ea--v-Asti - n 1e :.y:l; over.!1.y It I:l n.nt U tea:.t dl,. yam,.:aunt Tu,uii F,pn� I.nihl neuters/hip ley, :r.. :am,:t,ustan;]ielvi:e a]ytiu'e b 2gv-.t Ihut r:e:lus:,uIL a::J'slt arl'J r:e Wi!I>IJp ulseES!Ig y:rUr 1'Jkally Your Nights If You/Dissatisfied With your Credit Card Putthase.s.11 y,u one Jirsatilliei,'.Ah the:roods n :r5lrtel=hip le-. you hove+pu:;husei Wt11 year:,Stir:a:i,ulr you Aare tried in good lint]to:anent the pocket with . doe seer:hunt,you Iraq hoe the tight lot r--g)} Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity •View and print copies of past statements • Pay your bill online Sign up at:www.capitalone.com Ca Page2of 2 ggam�\� - Customer Service 1-800-955-7070 May.12-Jun.11,2012 31 Days in Billing Cycle] Ca Pi 0372 www.capitalone.com \\\\\\\\\\\\�\�\\��\\\\\ (-- Credit limit: 512,800.00 Visa Platinum xxxx-xxxx-Mx-2661 Available Credit: 53,781.29 NEW BALANCE MINIMUM ' ` ?. ow:o`'-t: Cash Advance Credit limit: 56 400.00 $9,018.71 M9tat,O itti08.201 2 Available Credit for CassAdvanva5: 53,781.29 i Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 58,762.14 — 50.00 + 1 5256.57----�i -}- Il 50.60 ..- _ 59,018.71 l ((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. 1 i — — — — ) i t �t MAKE A PAYMENT. AND TAKE CONTROL 500015 Caprta� OF YOUR CREDIT WITH CAPITAL ONE what's in your wallet? Your account is temporarily unusable.The good news is, by paying the DENISE E DEYO amount due on your statement, you can still bring your account into YOUR ACCOUNT IS good standing. Let's work together to bring your account back to good standing. SUSPENDED You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ©2009 Capita/One.Capital One is a federally registered service mark.All rights reserved. ................ Page 1 of 2 Customer Service 1-800-955-7070 Jun.12-Jul.11,2012 30 Days in Billing Cyde CW41 www.capitalone.com ----- MINIMUM PAYMENT WARNING:It you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance.For example: Visa Platinum XXXX-XXXX-XXXX-2661 Payment Amount Each Period If No ym Approtdmate Time to Pay Off Estimated NEW BALANCE -,..... ;AY IVr.:W' .111 Additional Charges Are Made Statement Balance Tout Cost $8,925.50 gB:7,.,, t �•t 301.. Minimum Payment I 20 Years I $14,806 If you would like information about credit counseling services,call 1-888-326-8055. it.trx%""'°°"""-"°" LATE PAYMENT WARNING:IF we do not receive your minimum payment by your due date, Credit limit:512,800.00 •'•Cash Advance Credit Limit:56,000.00 you may have to pay a late fee of up to$35.00 and your APRs may be inoeased up to the Penalty APR of 29.40%. Available Credit:53,87450 Available Credit for Cash Advances:53,374.50 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 59,018.71 i 5346.00 } L 5252.79 l .}. [ S0.00 = ( 58,92550 (TRANSACTIONS Help is Available. PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEYO#2661 Just pick up the-phone. 1 02 JUL DIRECT DEBIT PAYMENTAuthuate 02-1UL (5346.00 Call 1-800-955-6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 09JUL PAST DUE FEE 535.00 Total Fees This Period 535.00 INTEREST CHARGED INTEREST CHARGE PURCHASES 5217.79 INTEREST CHARGE CALCULATION Total Interest This Period 5217.79 Your Annual Percentage Rate(APR)is the annual interest rate on your account. TOTALS YEAR TO DATE Annual Percentage Balance Subject to Total Fees This Year 5175.00 Type of Balance Interest Charge Total Interest This Year Si,586.05 Rate(APR) Interest Rate Purchases 29.40%D 59,012.60 5217.79 Cash Advances I 29.40%D I 50.00 I 50.00 Transactions continue on page 2 P,t,D,F—Variable Rate.See reverse of page 1 for details - I PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447008342661 11 8925500346000987004 CaPite- Account Number:4003-4470-0834-2661 Due Date New Balance E''..,....,•Puy;ssu-rt Amount Endosed Take advantage. Take control. r Aug 08,2012 "I[ $8,925.50 ) 5'..98:1.!JC: Manage your account online :Y:•:::::;:.;T at www.capitalone.com •-= � �••�• •Make payments •Review account information •Manage your account in privacy 400006 DENISE E DEMO 916 MAPLEWOOD LN ENOLA, PA 17025-2073 Capital One Bank (USA), N.A. I P.O. Box I I I III I I'll'Il111111111111111111l r 1,11'1'l 1 1 1 1 l'l l l'l ll'11"1111 Charlotte71NC328272-1083 1111111'111"n111'lrllll111"111111"11'1'111'11"I1111111'Inl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. • om How can I Avoid Paving Interest Chames7 EA;II Irnth yJu Fuy put"Now Eu!un:e'in lull,pu vii'has,u- When will you Credit MY Payment? 'Array-ju:e tbrud-A 25 days yith nJ irll:r„t,hugo Jn rail roes,I)(:urhuses,7)tal-r.:t turotots,31 sir !::I •Fur until,Jr'ion tho F'hur:=,-i Ui the Casinos,buy v'!1t:.tis-:it us big us th_y.:,lr II lit ty 5 F.Ir.Er. n milt: p�r huss end 4i:41111 Amps.II pu h.rr•hen peyily put urluunt in loll oidh ru innlea drur4os FliEd anal pu •F Jnrrilr]p)1!•JEs.„A tho tusinon day v_leaht R as Log us:t)pu sou;dr.Lab.-FAYou of this du WY:puy:our ir,a Ell WI:prrturstt inbrosr,hugos s.i l to u••-a•i Ih .•F:tl.i,i s 1) All y :ho t in tit-ill' _..d wwfuno,Ali 21y tubl-Ent is tEtoisod uno A•..I spniut yul ors,Di on'any i..v.l,• ,t 0 a:holt..is un 0i t7Jnt,I 10(..o.,u-tit F . y..n-I-ty5 Err.but dn'.Noun.As ,l loust(7)tudn_• ray Ll rrn Joliwr S,Iti F u ran'bib How is the Interest rharne applied?lntrEst:h'nues r'our Iran'the 1)in:f the us;bs:dent 2):IA,the +...:ised 41'1 0 any:nhE,ft:.,fit ur in uuy orhtr done noynxta:ed'arid us oI rh:1r r:::re:eIn.d,tn'. tunau:.d:tn is FrJ'=Rol Jr 3)lirat:,1--11i'n dog'J1 tho til!!nj Cori:d.Inc rr rt:h-nt.a::.rIr.Jn-s^-1y unga!t arnun[ Do you Process Paper Ouch as an Electronic Funds Transfer?Pujrrenr v:ill to laurossoJ!n Jla A lob ul0r it is paid in lull.this it tuns yvu n ay Jv-:dill;:::;harjeE 01rl f pu Fog tho,rode`Now Ei1-Jr,-:n•n'Jnth. st+np:Mon you psido u:heck Jr silo:.k intuit-4AI b nub:a I:Iynrent,:au uuthmi-t rr 41 DUI;rent IJ us,tho too ail not io,o:DI thx pe,iUU,I:'on?:.Unpuid inreest:hut jot vt uidoi n ato I rup.I srdrrent i rJ1:r p.;:JUn1. li tArrali:!b n'Ute a tilt Err,A:H van,,?i.n DI Jto':de? iii:iolr]ounst:l luu y111 iapJSit rr:tilt Edo Ir,y HDV,V11,x.•r r,;•rru eft I!jht b nn usss.y inch_st:hu;jos it urtytorn. dot use the irdJrn nbn b pJ:e„tha F'uyrronl us a:.he;ktrnru:[in1. Do you assess a Minimum Interest Chame?,s..A rr!nir'or,INTEREST_HAR5E J!1"-5':viii to oo.orood for our What if I Tile for eanlauo[wL?!t y:ru gnu,141dod b tunbutt;:Fin-AO!!.this.Jrrrruni:.uu.n is I.int:aur aJn tilling riiud y.,u1 u;:.cult is wtj,ttJ sr:irrer t thug,. Jniy.It is nut Al uarn'F[b:.u:rro.0000rVt!:0:0W!a dear.J;Jain'.Co:rf sold us Fuplzn[sc{tAJif spuurj vfh How do you Calculate Me Interest Churn 7 lN`:Ise e nzlhod tolled Arr.Uja Deily EuPnre;in.I dhy now your tunlourr.y udanxy J!the Eunbuptoy bur It you In put vIDney vouti Iib U:ntI t Jul tnnklu.1:y Duns•. !.tad:1 m” .the. ..,,Lput,you'JAy c.l, 'JI j1':1S 11 t•t d- .;,:'r 71u[ly rloJ ,F.^v:I l e• Si_:03;7:5••S ttut, t;. 4111 Cy ES rand odd in nev..Uamaduns and die Fniai:irtol,a:huge:m tho prhj!s i,�y',tulun,o.titan I)sl.ttr'ux=11•/ BILLING RIGHTS SUMMARY;Does Nod Apprrto Srrruif 3.1,le.AawrflA% I uy1r'nt'11,11:1:JiC't;l thus soda tilt a,Ji ant arty.me Ir_VI ii ME d'i;iy tulyn:e I',r oath,t jl!'tnO H:,w:Ye;it yJ1 What To Do If You?'lank You Find A Mistake On Your Statement:11 y-JU think dine iF,11:111,1 WI pu1 said rout pevi:us r0n:h's tuls:1:0 ill lull:511•rzr tolut 0.01,1J DI:.10Altun,,u0m.now lanas:dur•.0 v11:.h;JS[ o;ten'-r:tva it Ii u!Irt b put Furl:us .;oFo:iUI Fur:hu_-- r I_ .rut udiei t N=:u;ly bulbous.Arru.out„u:tam,that-J1.s::tjo1 b u dlu:,yorilA o.;out uit_i u the dully plan.o r :.up!tul:h: ll!rA put AwruO[vuiy Folu:::t:II odd die oilytulvto;bjEA:el or oouh so.r.s!r u�r:l li i�,iAn tho run-ty P.'IJ.E:u r2F.i the nutrt:l Ji days i:Itho;)ling a-.r:vk: Ln 341 3o::DES At it old:A vu:h tilling ado,set deC-nrine}rouu h11504Churyo 00 l:Ai:nr:I)lruldply;out Avorudo L:i!y Eulun:e h:pal l:t ter.Ji•x us the I,lAoAiry!I:h_nr'ad n:: ty au torittliL 1,1,;4'R dsidoJ hur tit- d 1 truttyly L.rosta t-too t : t C:� , y s tho •4 f UR/ MO, i' mart, d.N.T.:Uu-tJ IJUnU rj J. t t';'-.y1. hu d1... ,IsJ Arty .y1J d tr r-t hu1J: �D I- , 'JI! T1:110 4 Di `} dbrun LtUJEi .•.J ,CI__ c&Jn d Nuttbr , . ._J y.11 till,A.•,1 t.14ort pu to ow nury uni ruby pu How can my Variable Almual Pen:enfatte Rate(API)change?Y our AIR 11 Ay it:ltu:u Jr S:::suo:fuse]Un Jrr. ttllvs�0 is a tr nuke. J!the b;Lcinq rolortoA i,rAIuu'etortr7 in The V.4rH Srreef Jury.ssL.b the Y.tbh iorAea I,mot.'b:}our a::.JU11t 171:Irl rort-nt us vihhr 5::cup uha the,rv'u1. ro]Jn ylurctn silt button airdue.r,DTI t:oinnl DI this,PR:1:art ntJ:I pm APR s!.T hug Uh;•ruY.le tuL:: You n'mUrayu,Zany putmtiul-arne it;v:^aitu.YJU dotty:JO us u tailyue doMuni:lolly t if;•JU iJ v:e ur- Code next to your How do we alellate your APR(s)? When your APR(s) nu[rt:Nired to im•id.ie:by„Jt:NAuie andy:•unuy hum b Huy the 001,Ullt Il juruti.n.Or,will nutty sPu APR(s) Index 1-margin(previously disdosed to you) will change Valhi!! , :JI.:.:eipr J!poor cr!- P Nitro Pub or 110,11050 1:y Jt the Haiti l:muds put tNhilo c•^e in0r,tiju0vu:hod:a ur rmt dodo has logo unatul,tho I Jlbv4 Pd urn hue: L 3 n'oinh Ll East nurJin rod in Jun..April.July,sin A at. •Wotantuteyb:Jll:-;!the str:4100 in R000An:. rpurl purr us ot;wont ran tout mount D TinaRUt .....; ffi,fit,r day of ru;h •EntI1nAtiu aueulon truyr:rruin Jr yJ!:,startU ar uni or or'uy:.JSrthur o Jong,pu irttowst At Outaroul:t F I dutotto LIEJR gin n'unthl••tilli!r Erut it ye,d:r:lino bout,:,trudo till tut,.you wilt nut huge topy'dre TI,111ll ill que,tiunul n:yin[,1tst J:uthel II . jFniJ1 or.'uu:rt Are there Mdai!nal ses associated with my acrourc?Sts,undot a tshh:i1:uurn-Jr:10.yJu tray to-u--.--:.: •Willa}0J,JJ n;,0 hod,c F-y lit:-sruunt in::,ro.AJrr:n!al se sod pus 0*i:r abut ma:uu[:,!re JI our Late Jr Fttlnno]pu;tr viol loo.You tray u!s,to rsoe<,d Dyerlirriot:ts I poor ta]ty!avt tYt lt,tn•:tot right b rut insi<judun,pu uOE oos1rl,itlo III tot rrroitdor:d put Mateyo. asst.lots vithJut pill nut!:.And WithJl.?s:uivin:J:tut rijhtn .--usilriI :_•Mot. SY::an uFI urry stupid rrJUnt'u,uinI yaw Al !_ •How tan!Avoid Membenlli Fees?!I u Her:v=:l N:ii:o is F:!1al Jn Art 0100!Jt this st;cn't1t•'%u nay uvid tMthi!I AC•, 'u•in'nit u1111VA IrenL'uriili'1,,t::lobo-Aug::u::rr,t 3tlst:t lu II Jr,thin 451u�>alai tho Iasi iu••in[h•L'iL'nr - ate'7`J:DUI 1eoo„,::f put I,Rt:,s:�viii send you•.::sir n Tat:t Ix;:l=.dninj ea1e1[h,t yr rile:tai the F, 3 4 . d tnsl; ml y0m ntn;tu4lrenp oI Iht reesns v:a?,line.rt:r till is :y.lt:.:nzltd ty[NY•tuc.121It u Itgurt t!Ut sex:Ls,yaw u::JUs.TD u,^.,!i F!lyinj u rrJntl!y n'tutatehip luo, Your Rights If You Are.Dissatisfied NAM Your Credit Card Puohases.d••.,u art Jieeutistied with tit-JUJis ty tunbA antra of 3:00,Aryan-,b route:a that we:lust pal a:taunt gild vo will shit r---inj y_:w n'rlLlly _ n,Ir,elshiF It- .,s fiat you hurt Ful:hus',i with put--leiil::n i.'and rut hum air]in j,Ji lui,h b:.Jnr:t dr.pubon with else tho n ochant pu Iruy hut-tot rijM rout tJ Pt the r11'14141j mroun'duo Or the toot.,io us:11010 riAM•the How can I tiny.rMy Amur. 717,run:Jlttua:usblro,rrv'r unytin eU lo4uot UruowE:Ito put u:;:Uric Pt lulbvinj roust to trio: ttnttine.WO!tx1.1,41utn•u11'ni:mll:r.Fsb u::JUnt:IJSUt illuAiljtul'en:tp,y d tda.-r Jn'ndti:r elintc Jul [)1':00,nos:Ears u,rJ pm rasAt,u;J In trio u::hu.,.P:n:FIVE,true With tuM ui•runoto h::n ran ATM:!yithu M,•„o tot,that it pu us,par�t Sx:ards:hA1:,FJ:tb y.xs a::JU:fo-pu u. •a:bst it...un Essu S' 1. ,_,:ant upon. :hark that;..:asses pu!:.1:44.turd K:JUrr dJ not thrifty;:rod What happens it my Aanoutis wslendeQf tS`:muy:.IJSeJr,usptnd pm sttount and your tight tJ Arlin aedn :111,nut pt hov,luny FUii UI tit,Fur huio. rat ran}•do-:Urd!JI uny uoa 01 rear n y-JU nr nut too cattail_A::Jilt susptmiJn rail h Frm;0znt ill Ji dla:riRliu rat 0r:=n>trot rod y-:u alt ttiil Ji1FD::isi s it rh=Fu::hu=t.:.)mart uo in v=idn:t u[ put a::JUnt is :.11,101 JI sspsliad y.:u trust 10 sbt unity put art it:.uud and a::Junt 71:-oral Ill.00:00 Nit :upkul rte tut bob,3l tout:y ull:rodi[:o;d,uni 1,11:.lr,b',ant 4i CUy Al droutot,you JV.!us.00:I1 n they veto,:hugzd P:7.F.u3:E5 alasrhou::JUnt suns:lusoi JAsu,FonIod. Yoh tat,0ity, 3413.t-r32E5 How do 1 Make Payments.?At uny dt,pu troy p,y the 111114/AI'Fupr-rot the 0,10 I unHuid blurb,tor uny unount ill Crneeu•n.I'aynr bib a up h u,d,in o,v,ul c:'as: P.TIiio e-brettlgat•the=ono tub,apply tJ the d oopitrd rnratnu es iK1.11,i Jw..Ahot vet•finish J:n 11 Ca!li1:e ty juinj o s vx:;upituI nt.:Jn and I:jjinj UT./put ,:,d40tJll,ve Veil:all pu Jlur J-isiun..Cl hut.0.it sou think you:rv:x At ran Jultt and•:ou JJ nut Fay vex a,y n uph,n. t-Fan-e Sy,[:n'ty diutity'!-:C-355.707 dtull:o uthtr r.t.r:SA=n y:un'uko.0 oIlurt yen,us de!i0yuun:. .r.-en - Cur „- , Cayirot4 doriu0 Au':u!.I:sprise Spr,r,}'JU uuhJlir ri•G:111104[4 Ir!A:H J:d omun!:Fay,rent.Al,[till'' OAFIIAI yl,`-UFFJIb'dell Jllr'Ali,ll piv'A:•;FIJI::ti Jrl:,te JUI to debt=?truepu,boot a::)luny Fund,lruyto v.ittl:av:n hint you!bunt U:Jur:ntno stun outdo-slit,duy 010 r.20110upitul:ltr.CUFiPJI.^.Ioo ion trirtuny leji,a0rd Berri:t[rook Cl[iMrresarved. :: .pnrtrC ., So CuL'inj Jur tLFhuno nuotnl I-00-355-707:urd p aniiing yaw ir4An-d:![b Jur::-):rrs,lltadrl: 4)PterM:np ty work sh1;dd to tont n dot rr ui!in j'uAlree Fru Vida]n•:ht tit:m'portiml rat this scut:rrtrR ETC CE • 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 0 • Don't staple or paper clip your check to the payment slip. Alternate Phone • Be sure to use the payment envelope that came with your E-mail L� statement.Using a different envelope could delay processing. Address • Please don't include any additional correspondence. •Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black ink. number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity •View and print copies of past statements • Pay your bill online Sign up at:www.capitalone.com Ca - • Page2cd 2 Customer Service 1-800-955-7070 Jun.12-Jul.11,2012 30 Days in Billing Cycle Ca ' ( www.capitalone.com l --- , Credit Limit: 512,S00.00 Visa Platinum )IX0X-XXXX-XXXX-2661 Available Credit: S3,874.50 NEW BALANCE • MIkil.c:a\I PAYMENT oun.oA i Cash Advance Credit Limit: 56,400.00 $8,925.50 Mgr$T.0. Asac,s DL.i^? Available Credit for Cash Advances: 53,874.50 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 59,018.71 1 — 5346.00 + 5252.79 I + I 50.00 � c 58,925.50 � l l /, (TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was not received by the due dare.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. t • • ■ • F 500015 Gapita�_ MAKE A PAYMENT. AND TAKE CONTROL what's in your wallet? OF YOUR CREDIT WITH CAPITAL ONE® Your account is temporarily unusable.The good news is, by paying the DENISE E DEYO amount due on your statement, you can still bring your account into YOUR ACCOUNT IS good standing. Let's work together to bring your account back to good standing. SUSPENDED You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ©2009 Capital One.Capital One is a frderaly registered service mark.All rights reserved. Pagel of 2 Jul. 2-Au 11,2012 31 Da in Billing Cyde e1 Customer Service 1-800-955-7070 9• Days i t e www.capitalone.com MINIMUM PAYMENT WARNING:If you make only the minimum payment each period,you Visa Platinum )IXXX-)00(X•XYJCX 2661 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 s.....Mti ;' \tip! tart.t ':v Additional Charges Are Made Statement Balance Total Cost 58,843.10 ,,, • Sep 06 Minimum Payrrent I 20 Years (. £14,652 If you would like information about credit counseling services,call 1-585-326-8055. LATE PAYMENT WARNING:If we do not receive your minimum payrnent by your due date, Credit limit:512,800.00 Cash Advance Credit Limit:56,400.00 you may have to pay a late fee of up to$35.00 and your APRs may he increased up to the Penalty APR of 29.40%. Available Credit:53 956.90 Available Credit for Cash Advances:$3,956.90 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 111 r I 58,925.50 I _ 5342.00 -l- L 5259.60 + I 50.00 = L. 58,843.10 . J ,...,.....,: 1 (TRANSACTIONS ; Help is Available. PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEYO#2661 Just p I CI IJ p the p I I O I 1 G. 1 08 AUG DIRECT DEBIT PAY FENTAuthDate 08-AUG (5342.00) Call 1-800-955-6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 08 AUG PAST DUE FEE 535.00 Total Fees This Period 535.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $224.60 INTEREST CHARGE CALCULATION Total Interest This Period 5224.60. TOTALS YEAR TO DATE Your Annual Percentage Rate(APR)is the annual interest rate on your account. Total Fees This Year 5210.00 Type of Balance Annual Percentage Balance Subject to Interest Charge Total Interest This Year S1,810.65 .-_—____ Rate(APR) Interest Rate urchases 29.40% Cash Advances I 29.40%0 I S SC 0053 550.000 Transactions continue on page 2 P,LD,F–Venable Rate.See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON 10 WWW.CAP11ALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447008342661 11 8843100342000993008 CaPite- Account Number:4003-4470-0834-2661 Due Date Nevi Balance .,Pay:n:nvt Amount Enclosed Take advantage. Take control. CSep 08,2012 1( $8,843.10 J I Manage your account online at www.capitalone.com PAY:F:iia.:i' �i!'•=�,s;;,;L`er •Make payments •Review account information •Manage your account in privacy 400006 DENISE E DEMO 916 MAPLEW00D LN ENOLA, PA 17025-2073 Capital One Bank (USA), N.A. II I I I 1 II 1 I I I III. I Ile P.O. Box 71083 'I 1111 I II '1"'f"11 1 1 1111 II 'I 1'1 II II 1'111'1'1 Charlotte, NC 28272-1083 1111111111"11111'11'1111111"IIIIIH '1'111'11"11111111'Inl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. • • om How urn I Avoid Paving Interest Charges?E'v;h rr..401 y:,u pay pre'N-v:Fu!-n,"in lull,pu vill hava 0 When will you Credit My Payment? inirrurr g:a:t H;+iii if 75].,g.vith n irrt-r.t;iuryv:,,allitn I)pn:h,say,f!tul m:z tr,n:la's,3)FFv:iul •Fn'n,lille:,lJ•ret the th:,+e,:nr[hu tusinrssii}•s:'!Ia:riv-iC is lung',:th-y•n e IF ty 5 p.m.ET. pn:h:ses anJ 4):461;barge:,it y:n1 hart teen plying put urrJunt in hula vas no int:v,t:h•urge;Jppivd end yJU •Fut iruild pa)arents,'ut DI thy Lillie(;ivy soy rtceivy 1L 0,1:113 or f)pre(elld EI0 tAPAr J. 6!this 7 J oat pay ahill h:IUli pt-:,tad keenest tu urrrusua.th-+-i.ru j l,--p ,sh,i:,,cOJ. 01,110111011F.Drd) h'k thu alutrud' eturny 011,131.10,bid 1)y F0711,1t s . --t -nu 9F?:',U.(lei,or JO,n;n-0.t:-,.n1 when there unpaid c-.0:0 pr•JJU'tE. p r ty I:'.iluuue JS.v[I:,O;7;tu•n-...,}s lJr n011]..I .I.A,red F:•,.r_rI How is the Interest tl[arue applied?int;l'rst;hag(=::;;mf hum the I)7aC 61.Nu Uanyr.0:n..)Jab tiv etai,-d ty uy at any:,thee 6radun m in.1Dth,rionr nay lu[Ee uailedvs 61 th0 ivy re(•[rive tarn U'ans,:.Dan is p-•vyye]6I 3)14X talerdo]ay P1 the tilling Fend.lunged:hvrges a::Ire on=ray unpvi]•noun[ Do you Process Paper Cheda as an Electronic Funds Transfer?P strenv yiil to pi:——t.—el in dna o!tvo got!it n paid in ill.Mb a ear.par tray any Mama thargeO py the 'Nei;E--n.e Ji.rultl, yr .t.VII,1 pit p,r]:,:ht:t Jr:hunk in' - J r c.u nrepOnt,pu uuthutity agents will,lh. tut d]1it]u.J 1J1 h.p.sv-:writs.Uu.J7 interest th,g'.,.,J..7 o to 1.JF•I segment J!:-J.,A.;JUtit. rotor(:Jl Irate ki Jne['•re A.TH geld:altar Di Dal. IOJr.furl U,I IIJr t 'p [„:r.nt+'+.nay HJVcrnr.Y::11,,0100 ine rrg!tt to n-I u•.-=:idereet:barges at anytime. rso use uhf irdnnudon n Br-r.tss the p-J;n'er+t•re a:.hetkaorr-I•a:IJIL 0o you assess a Minimum Interest Charge?YeA A II .!NTFMEST CHARGE 4 f:;ail Le ny.:0:tut e,.h what it t file for Bankruptcy?II 734 uty yntituJ to F.-re e +' -a 11111i.:1111.M ID,1115111011311 b11!11;yenJJ put,..,rt'.Itutj,ltuu fni I,h-.g: Jury.+t re nut n,Bu U F. .,'_l,uNyTT. ._;.I.d._[,;10111i.[ID ,..n,u:p psayde ns;^,Ia sp:large^Ih How do you Calculate the Interest Charge?!4e uyf,I:'ethad:all .Ater,-r.D:ilt EaI :in:.ludin6 ney: yu'a bnrE ty attnney the E•urduccy.tuts It pre or.;JUr aI )sshedd fk:tu'-6utta om t;nGuyCy d:nf tans:.. ,.red.th n-th:]ne1• u,-p.]sly-lurvu cur-:J•gsrutlr-kd �r•tn;tabs,.. [ly,F:Ie ,- c^.e.Jle•^.r F-x-a;�Fg•�tuk---t,•and Iii 111 1100:g01FJ:d:m1 arid time pdudi:ilcr,eyt;huge AI the p:asiuuy Jay's t•Avn:e.P141:)s.ttrri any BILLING RIGHTS SUMMARY;Dun Nui Aupitr toS•nail gexi,..ey Account; y ayrl e'm n 1 wen?ha that ;I ellt 111 that i6}the 'Jll the daily I n..In t Uth i It •et 11 IIU What To Du If You Think You Find A Mistake On Your Statement II sty,Clink th-v h ur pi]put Finite:,.rot_Lula'_n tuIUI',U t.a. t un'_uall,. tJ1:a,u:nrh FJS[ r-Iw-nUala o t:.lr. ,,t., 1 n pan purthay-u:1p::k:lpur:tn,_e e ttrc:A nt:- .n th.gailytut:,e ,a6,tat:•.tiros Ctutar0 s,:tjnitU ergs[periUJ art Tat s]]cd❑the daily iliull;ey. J - .vFtal;elt Nest, puti te trilyFiun t:ti el] daily talartogrC1011n ta;h ytgneart end�;digit.the Aim the!I:urrtl a ivy?in h t)• 'alt taka'iry,Lli.ar3 =�i tailing;;;it. At dieedule•a;b tilling:y;!t we determine pre:nc:leyt:halge ayII1:rrs-1in'uldnly pur Average Ee:ib:'ralurvy in put httrr,gas•:us the lulbnvy..bur°,dun: t•dr-duiiy FniJiin rut0&H]aside:433_4 fur the norr—v rs:Ad 2t Irul6;ly OIt result ty the omi ter UI gap!n the •tnuil n.i;junt thu n:JUl ri:runt tffly urnI[ . 1:!llh:j periu7.N.aE:DUO to nun7;Ig:n•:I:�iohru;r irltn-a;hvrg0,dti:::I:.W-:u6r:Tray s=ay!m:r the ettar-a:hr6t .D�4lal�r.un::Tat.11m'a,;:runt 6t Cla s.,;za+]rum. a:maiiyyssf`aIl •tIes:r!Ivj;of PIJtlerr:It pu think'tltrt 1111;11 eau1 on)ore till,desu!te.:1116 y'ou tUlie,o!s s.ung and why pu How can my Variable Annual Percentage Rat;(APR)change?'iJal APR may!n;Ivv&Jr jr:IU;ye turd u1:xlt td!tnz a iy J!thy lulluv.ing-p t.i thp:Ited 4r The Si. W fit i rahith index is irrad f-:pur, Jm'C tpu truti tu•t:,t u: h .i'-satt•t to-fu,FF01.1101X1pur dat1.nt I:nk ttrt,6 d,.t ntJ thy'-t,t l:7.rc1.,,U yJU. RtTar,h',k n:Jt,.YJUs Yuri curt of ns ulally F'uan[isI o.UII In s:•rirn_.771 rr;y;,lluF r urtily us xLcnUni:.illy,tut it you iU we•:re Cole neat to your How(there calculate your APR(s)? When your APRs) nuutquired b imeyti,a-any p gdyl eroa end-m Ir-a;hire a pay the m'uUnt in:1111.111.1.1i1.lYe Till Taft;pre APRs) Index 1-margin(previously disclosed to you) will Change +:thin_,. I-,.--ire(U.put lags. P faint Hat- :rngin thtl!r-4 day It thy ti!lily ptr6]s tftvt Mile weimesigatJ whether urn[Ue:e hay teen.nenm,0110 npr:ing..e Ufa: L 3 rrUmth LIE:Y1 n attain old in 11.111.,Apiir,July,and at •N'e:mn.:[ny EU r,lly:tdr an,tait I.:;u':Vin,DI rtp.rrST:as.]'tJilrturrl[;nrtfJt Ul;Jwlt D ;,•n' , •not:Ine j II,guystu11 rids;r=+l'alll 6I.•:JUr Ou[tI;1` .Jridnrue i.-.t.UI EU yUU Interest III dot aiI'UUI:t Ran':Rua g the fast iuy:d e•ah .rani vz n'ay. rut!1 v,-e]at:n.in:dralt n-e7e•reaim,ke,prev:ill tut hurl D prey the'ar(aunttin guestiurin vnyinterytDI Di/101 F tn'11.ttr LIFER. 11.1101 11'111[11;tilling{redid. .,,eibdrA Un'1u:R Are there AI4iThtnnat roes associated with my account?Yts,un]e,:[rah,;IIIUIi'aalr-y,y-JU rtuy to arieoei v t[whiz;.c,JJ oat hors n pay d:f•o'aum al yu-ti,n until y.-e=td)-JU;ruti:u out Or uu:tome at Use Lau Utf:ttu,nt]?:y,rent fee.l'au,r,yuiiUEu Isyeyyed JVIiIiir!i lees F pf,n itad ty hw..W0 l tstlr the in C,:u[ n.YIG.Uuan,yu...III lrsFaoyiL-Itt:x the rerl'vindel UI l-JU:.,i;ilx. 0,0110I00s Githulat p!o1 n6C:e and nifi61,t1mIiving uur 6;01:C1 ayyfsru sin Bar lee teal' •IA,'.oil UUIyulrcuopid III Uult:gu!ICt pur:radrt fault How ran[Avoid Membership Fees?!Iv Renege NaU:e!s punted 66 Crairart u!t ec:tlrynt,pre rvey•upiul %thil'C;ue 6l our lt: t pur letter sae•yill send greys:![ran 11x_00 l_urin:ethyl un y.-- ,-- J an nest ) F , S xF J ,-J,_,.d tk ty.ledJ eft by- C N vas Jame(rural uUJ•e[h' 4d i I i l'ly [emhiprl3 ,1111'11 .6'1 y..•neat r CI. .61.111 wf[din-:ih-tit':.Jr1t 1. 'y;le'6i-pfd ty tlls.tt.lentnreq .tdln,.,J.-.y-J+nv:;:ru'c iJ,Ji F.,�nl,n ndll,m,nt.l•hF le- - ;utrta:t tustm 01:alvi:e rlytitrt n raquttt that we;bse}ore(.omit and n-still shF =:icy y_.m nnNAy Your Rights If You Are Dissatisfied With Your Credit Card Purthase.s.It pu are U1II-ti:4i,]with thy:(scuds 61 s0 =that pre ha-.pur:hr-'fU nab JJt nreds: bar ila in guu]IviS b:n;A Futtlr With ne,rtershlF ay, How can/Close Me Arrmna7YouL.1:.61Cutt:uOJrrtl itlui:evn,hi2C.Itguuit 0111 rye JJSn puI y:.ou11t AS J 1Ung II'u Le hare g nx pay -1.J1n rJnn2 ire.,an .fuss..ID,...[hl ;,Ih- Its: r,y hue e right s n',•th=a ring ur - the ri hr bud dst tint. Ntase a,r f explain arm lidki:matr-p;oy::luuclsuf, Utarry Fy day.,intnndm anhhr fnts. r:h - : ps lst • t1Jun'uah,e ad f :n7it_yai„Le ri Patens,made �r yihtIy[ pre upur n v:aun f I re sk un at - y_u re i h;kthaa:ts0y JUr J: d a;uurr,]a nu[7ulily yid,7.:.16.61,11. What happens d my Ar«+nt is comported?We tray:nag o1 susp'end pm r:.our11•rod pm tight la attain trait a'fur.r u6,tt 116[yet have fully paid Lr the pur hr�e. 'n wit;611'0 ail]tot-my 1.01611,ere-11 J yJU era rot ]etau!t A;:6urA yuspeteion:ml to permanent u;tfl.pn:ry.It d ctl!:Ate a¢nia at:n-e are met aid,;,u,e till iiautiaiei lath the pre::h,n'z.:.6ntart us in x_itirel ur: pur a 6un1 is 1.11,01 6I caperded pu must 1r sop using put glair;a,i and attgnit.):an.el all wart ac an: ,up0an 510 Iruyn tots,31]tsday all:(edit:utde all]r-uv.;ht:b',mni 41 1,41111 I11o6ln,pre 6,66 u,,ern it they were:barged ulO th^u::'s,mt 1a,s turd err suspended. Sat!-a k,City,111°_413"'2=i How do!Make vme-its?A[anytime,pir may pay the Iii∎6rorper}(net the tUPii unpaid Plante,6l any arruun[ With y.2 inae09gata,the eery rules.{:ply Co the Imputed;ur::ulu ay ie:mss-eII,taw.Alter s:v finish au1 in teM-etu.P41101111 n uy t=irade in event ways: 1):e,lil,e ty ping n yn:n:.:srpitvl:ot.:1u'am,]I'uggir,g irAJ)-JUr a:ow,� n.GJ,tint v:e niII t:C p,but tit:iy!nl.Al Nvt print it s:-a Nat pre 6s'r-nI art aunt arld yJU du nut prey n;•ray lyuhun:.•6 tHts'unyt iy:t'-n Lt;diuitni 3iri 7�iv and Ml6ning the sods pl:nrpt.`.M1henJU make a '11.'71.n]Nir-Ft'C• Fhnrre:-nE rte t th+uu;_h bur r:!;e 16ty:6ll66 silt n'.;JU authodc-uu n initiate an A.H:1 elettrani:pmstrent that AOl kr dotard burr put tank 6,...,6 Funds maybe n''.11:ann!on'„bum Lb re:;6r:ntl,ey66n.r.-the eau,day we :apftvl�Itsupple:spit'vd6n pica:.p16a;dun:set 6uIr,f1.6at vnxy:.:a renewal pi:r e r,Iut1„!aitul.Yre..aFiP;l:7!r:isa la]t!reRy!tgie[Hei s:rs a n'a1k All light:ley=pre?. 3).ailig�JUl telech'Jrre nu:rtel; :I-?„-7`7;.and eueid ing y,u1 Trialai66 n 611:-present r.; 4)Payments by nail should Cu selfn the nerrog'addree paraded o1r the butter:.6IITl ai th!1 urx=n'aa 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 u. • 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. rau, Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity •View and print copies of past statements • Pay your bill online Sign up at:www.capitalone.com Page 2 of 2 Customer Service 1-800-955-7070 Jul.12-Aug.11,2012 31 Days in Billing Cycle 11 Ca..° -7 www.capitalone.com Credit Limit: 512,800.00 Visa Platinum >000C-XXXX-XXXX-2661 Available Credit: S3,956.90 NEW BALANCE MMNIk.iM PAYMENT DUE DATE Cash Advance Credit Limit: swam $8,843.10 PS,ZP12 Available Credit for Cash Advances: 53,956.90 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 58,925.50 — 5342.00 + 5259.60 j 50.00 = 58,843.10 j (—TRANSACTIONS CONTINUED You were assessed a past due fee because your minimum payment was not received by 1 the due date.To avoid this fee in the future,we recommend that you allow at least 7 business days far your minimum payment to reach Capital One. • • • • • • • • • E• • • • • • • • • • . ti t MAKE A PAYMENT. AND TAKE CONTROL 500010 OF YOUR CREDIT WITH CAPITAL ONE® what's in your wallet? Your account is temporarily unusable.The good news is, by paying the DENISE E DEYO 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. PAYMENTSYou can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. ©2009 Capital One.Capital One is a federally registered service mark.All rights reserved ,_....•. "w"`�\\\:. Pagel of 2 O Customer Service 1-800-955-7070 Aug.12-Sep.11,2012 31 Days in Billing Cyde Ca 4 J1? www.capitalone.com --- MINIMUM PAYMENT WARNING:If you make only the minimum payment each period,you Visa Platinum )00000000000C-2661 will pay more in interest and it will take you longer to pay off your balance.For example: Payment Amount Each Period If No Approesmate Time to Pay Off Estimated NEW BALANCE MINIM:3M J'F1Y `NT Duna :'l, Additional Charges Are Made Statement Balance Total Cost 59,101.72 , .T2,Ett: OCa 0. Minimum Payment 20 Years ( $14,849 If you would like information about credit counseling services,cat 1-885-326-6055. '" LATE PAYMENT WARNING:If we do not receive your minimum payrent by your due die, Credit Limit:512,800.00 Cash Advance Credit Limit:56,400.00 you trey have to pay a late fee of up to 135.00 and your APRs may he increased up to the Penalty APR of 29.40%. Available Credit:53,698.28 Available Credit for Cash Advances:53,698.28 r Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 5 111 I 58,843.10 j — i` 50.00 �- `— 5258.62 I S0.00 I = I 59,101.72 n / 1 l -sue..... -. .. ...... .. ...:.. ..... . .... ...... ..._. ......:. . ... ......v . . ... ...... .. ... Help is Available. (TRANSACTIONS ') Just pick up the phone. PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEMO#2661 Call 1-800-955-6600 and a specially trained agent will be happy to help you check your balance and make payments. FEES 1 08 SEP PAST DUE FEE 535.00 Total Fees This Period 535.00 INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST OIARGE:PURCHASES 5223.62 Total Interest This Period 5223.62 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 yp e Interest Charge Total Fees This Year 5245.00 __ Rate(APR) Interest Rate Total Interest This Year 52,034.27 Purchases 29.40%D S8,955.31 5223.62 Cash Advances I 29.40%D 50.00 I S0.00 P,L,D,F—Variable Rate.See reverse of e 1 for details Transactions continue on page 2 page PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447008342661 11 9101720342001342004 CaPe- Account Number:4003-4470-0834-2661 Due Date New Balance y:rreun Amount Enclosed Take advantage. Take control. r- Oct 08,2012 j I $9,101.72 ) ,. ..- .2.0.. i i 1 Manage your account online ::„:sV•A:;s: at www.capitalone.com •"-��?'�tf<?,� •Make payments •Review account information •Manage your account in privacy 400006 DENISE E DEYO 916 MAPLEWOOD LN ENOLA, PA 17025-2073 Capital One Bank (USA), N.A. I I 1 1 I I I P.O. Box 71083 III'I ill ( III 1 1 111111111111 1""Ill' hill I 'ill I 1111'111111 I Charlotte, NC 28272-1083 1111111'111"11111h1r1111111'rlluh"11'1'111'11"11111111'1111 Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. Cm How wn I Avoid Paying Interest Charges?Ev:tl rr':nuh you Fry,JUr"New Ea!-n::,"in lull,you will hero, When will you Credit My Payment? nr gn u,molt of 75 doy's suit no intro pogo on oll now 11 Flo:hotes.21holmw tondos,3)menu! nrllneo.'>•:_:the Fhoa,os ll the twines=d.yw.le.k.it.s tog os they•:e node ty 5 For.ET. n Door+: •For Fu::hays'n,J 4)teloo thi gigs.!l you h o w Men Flying p o r n a::Aunt in lull wit,m into,,sthmlg,s applied and you •F:rr:moiled pysn,Ias.us AI the Lusiless by v,•:r togs.it os long ter II you and Me tnpn'point 4 ttd do not Foy yomr-d HI!inlull,p.•orod inmost hoga=wilt t-',••-=•4 Mete of gr:: Ferit.d ot..=h.den.es. wereoe And y„.h.kr th-rrb d' -Gonna..sibum sod 21 youo pyrornt retri.d.•n AU:7/our `P?MibOndel:,,I AI unyn&w.too so:.tlon vier there!=on wlF:d b:Ion:,lone to presiou=till pD,OrFirg[,ncc ty5 For. Coro.H=rae•iliow t least:7l tusin,ss dogs I:Urrod dalivery.kluged p y.renh' How is the Interest 01ame applied?hoboes:bop,v:::ue Imo'the 1)dote'1,this trun5o:io!t.):I L the ro.ird ty m Otony to terl::od,nDIin myA tm Inn rr',y:e:t to:o::Red or Jt the fry,:e etr!r,tor. den,,,don i=p7,55,/or 3)lir:.JIoodor by J!th-t!ll!!y p,!Jd.brood dooriogs y::ru-on rimy towel l!T Jun[ Do you Process Paper Checks as on Electronic Funds Transfer?P:,rents will to Fro:essed in 711,DI 11':1 • mo0!itu-paid in lull.ihion,,ns,^.0 rr n'Jw.interest:hmg-o ern h you boy the entire"New Belmue' ;runb, w•rp:1.11.e11y,U Ford o:he.or:hole inbrooktion to rrit,repair,you,uthme-us DI Ali uproot;b ua Ul, tut did nut do?D IA the pre,iA::s I•711t.Unpaid it;'ores::ho:g,s'no sdded to the r::,,CeI 5,3rr'ent A!your P..::ount ii i:'lwotbn to nog,to inn.tiro,ACH 9an=rri:rt o other eh.anti:And toner Iru:r ur We retry H'ow:noI,s:`.'r-s=n:'this right to rot ass==v!It-esthmg,s attrnyu:re. o!=.:no y' !ntmr U,u b pontes the ppom it os,:.h-[k;rntsr.d,n. Do you assess a Minimum Interest Charge?,,Y.A!rinururl INTEREST RARSE is b;.,[.vdll to os==r=ed to :h What if I file for Hanlduptry?!!s-Au one errtided b tonbuyty p Jt-;ion.this:nrn'uni:;n,n is he into:nod:t F g, only.t Or not O udeu{it to J';1,,Y,Orr d._r r.'l rr.[V'lt r-nd uo vent fi rmuld:':a o;ith How do you Calculate the Interest Chame?Ae o.�e o n,thod:.,?led Arno),Doily Foien:e;in:.lu.+.i!y n,r, pro twrrkny4.y?urn y::thr EontuFCy Court.A you your'trcl:ney...out Ilk-to-.00hed our Cn:bup[.y aeon: tote:+=.'-rAo t.Urrde th!A roth.O, ,first' .your deny blhY`-g--A 1l rub the thering t'>!trn:, ..Z•o..r..oOaly.plO,=-:.Jr..,.,.Cuyirali 3n,•R34ox3;2;5•iok tote':hy,Ui 3413':1;255 :'odd in boo honeoion=rod the pibiL inyi-:t too n,this FI-s1,!:=d'i tul'ono.dolt: .utlr-:i tray GIVING RIGHTS SUMMARY;Dun!+m Any?:•to Smog 3rafr,eu Attends) I:vyrrent`.and:r,diC h4[hat•eyn ent w 71 d,t dry.the 1,511,A this daily y-acre tlr,a:h r,gn ont.HJrrer,r,iI yJU What 1 u Do If You Think You Find A Mistake On Your Statement It rn think there!r rnr zrr„s,pro Foil your FreviuOamt'stouloneu:lull iA:it yon t;4:m.onu&IAo,,:I-dit:orour!..!P.wRon:,u:A rr:u,A:.h p=t AtzII ,O,ca it-to in et ID you:Furthese or mob:Fu lraz sr-o-ono:,re not b the doily t,l,rce>.Aso,9 oialbns that r-satjnt to o grove;rind r,rout-ddedq the doily t,l:n:er.a 5.00111 '.J.FJx 3" Nog,blind pro Ar:•o roily Polon.:1 odd dte doily holoom=bgedrr too nth srgeent.old.')divide tho AM'ty -',h[ok-'it•Ui°413':._.., the minter Ador in the a.ing tTio. At doe cl:dJt trio t!lir/:y!,,we detenr!ne your loonosl huge ss lDUDv.::l :di:1y pun Av:ob3e L:ny Eolonc hrP.Ltel,g!,.u=thetAlbvirg i9hr:ra0 An: tyd:-7.!yF:oriodi:rob:APR disid-J ty 335)1.th,tag:rent OId21 nullity Coo lo=ne tytho Hunt-1 Jt d,yv 41 the •A:.rod ird o:rJLrl:'lour more trod 0::..unt n:,Irtor. Ci!i!.!ueriui KITE:Du,IJruu;g n.ortioroor inimitthorgo,h1._IJ,':iJ:!rly r:y loo'to'.t....o:tio J- DAM,.u:unto tor doll-n on Joe the ur _bd moo. •r.r-ri[.i,:t AI Pogo!-H,-;u inht our i=.n moo p rr rodhe v you blip-A wrong why o:m'tryv::::sad. �, � Minh•h ,. till,d .'hut,. .I'.-.A 4 •h you How con my Varian a Amoral Percentarte Rate(APR)change?'Imo AIR n>'y i:::,00:Jr 1,::ear brOl an:n, L-11"`o his o Ir trod:. you • '..d i..' t-d'u,The wee Stier+louired;.To find•dohnd ed lA:pur "A ...ot.-rus;,ht_..d.,:.tot at--rt,srpood 7112,11 ttoo e,iv C:okta•�hG::r:-r-",Jn Ue!r 0:4 si this r-rr nrlootto•oul esl'R:v.Ten.heck the tote Lobs:: ..•� , r1u ru=t noC4y us Af arty;tondol rrrJlsyt rnirirn loo,n'a}•:ot!or jr n:,ri:y us rlr:.9Ani;:dly,tut it y1u dA r:,are Code next to your How do we oloulate your APRs)? When your APR(s) notor:el:rod to lTFVr!nte my boleti Ji.too:card you n Jy tvv,b Foy too nrourt!n gue■orr.K',v.ill notify you APR(s) Index+margin(previously disclosed to you) will change on v 3 cshin 3w.rtr of.tun roeipt A!you,lede-r. P Ri:r,pot? x u:74t it?ils[dvy ut th-till!+, ,hods To[ +.4Toile 0e111,5i3'•e,:7-chzl 7:tort?:=:,h,=teen on t11..14 ON I.huring or[ouzo IF l 3:rmth LlEJfI uvgfi ,rod in)an.,.AFlil,ling,tot at •.•..Jnn;t9ytA:??late the,ou-:u!t h:qtr-:tin:,,nz Fury-o,:a=":fn'iu=:umth-E'nr:,unr. •Toe:ergo i1:3uestk:n near,rr oio An your A,r-n-::C r- .o.J doge you 1100 0'.r ter that rrour•.t D nie'e Poo n'agin TO first toy A troth :h wto Car rune try:. , Eut!tw.tton.!tedr,ty..n=id-onist;k-.you•ril!n1;how to Foy Coe o!r�untin quest:Jn n'enpin!e!,=[J:Athn F t!MOIL!F�! nor yin nnidl!ytilling F,I!Jd. .,.. ,!yCdbthot�n:,u:t •r Any there Mririnn,l F..,associated n•th my account?Soso undo toot.; irtorr0000ter,you y to otspd y •While •.0 do not how to Foy the.roue iro unertion until v.7 rood pu.Lunt,,but too Ju::n:'-of o.n Lobo Fttu:ro:d Pop ore le,.VDU lr-•ule:to:,_=====7 J,',:Iia,[7„t 0 tw o envoi ty low rho rosin',the flirt or out Mom:Cl t.n,you al,tog:onvitl-t,I tho,or:',l:de::4 you:tofu:t:e. ..:=s loot without Our rt!i:,trod v.it•Ut valuing our;ightb assess a rirthor tee Are. .the:vn op:y al'y to-,id vnrou x•goi113 TJU1 din lin'it How tan l Avoid Membership Fees?II I R,neworl Noti:,is Foisted o:[d.e it opt A des out:went,y::u n'oy void curet •sch -y -yO l0 p;1-',DUI 110 a!-=d d.- -x,I- g:.M-US- aeon -dub posing mnul.u':IG,:F1=:ty_nth tnu i,rtns z;vr.e u1'r:[h 4.d.,.-.h-Idol,tdu,in[h,L,lin; -•u,U ',.r,}•ru•nea::trt-u-rp the Jt...td .:.th<tllr .Jr.,. c};h:.JS-led ty dons=reen'en[b,equnt dltrt trig:IASr:your U::oun[.TJ trrn!d Frryng,tr runnel}r'',Irt,leh:F,i,l, your Rights If You Are.Dissatisfied With Your Geld Card Purthases.d you or d!=s,tided with the o„ds A: :Jett t =:v�.1011-b eqJ:•t ling we Jo`e yon o..ounC rod ,Istop i•g ox l'1d, ..Slut h'.,e J,o-,d w'rthyJr rdt.o,d,u1: h:r9-7•t g'JOi l,thb.Jn-.t d1- fuel;vi*h se n. Fro you Fu n-rG Idt,t... the tar:h:onC yJU tray hose this ri ht not to the r:o-irdnl un'our1 due or:tea ha,=e.TJ ulO this right the Howwnlrinveev Aaron?You:on:Jmo:tCustnrel 3,rsi:e,11011e)w-u,stdrvtr,:.lose your U:.:omt.A: g p�' Fur:. J ry:oo.ne;otitimol:t-Fsb r:,unt:Immo indndingtdan-lF,do:n inbnradon and ter slit: blbs:•ny trust[,uu,: dnr tins,.:=115 I.' IUt-thtrt it y.,uu:.-ey�ul:odil,trod Ar:.h Ulg-s po:�Ci your r" •:% yJU1 11 Y:,k„rusr ho ore-]ynnJ fie]il�trr]IoN-1u::h:,ee.Prn:�.=..fireie vrilh,,=h e]u:n_ee lnn,n AiM:n vatl,tr H,trs: _JU!rc tote?you osK US t'i:bse t,v.: nkeeF : -. .: oiitoot,Fen. :ten 1ai•i.:�=S,=yJU!:+o li:a, a::7Urt del n7I:lUanl y,art What happensG my Amunt is tuspendea?t1',u'try:b5-n suspend yona::AUrtvnd your lightb Alien:olt :1'fou urns[yon ge4 hor fulh;ptrid b:N,Fm.hase. at mydr-and b1 any 2.5op.,+•mnyou'IO not in d,lou!iAL:JIl9r suspaasin::rot t,prm-,Hemoerr'pn°r.y.It rf.on,f this:+iron,o5 menet and ym ore ttltl bookistiel with the Fuchme.mrto:t us in,�iti!r:,c your o::,unt is d':s,d Ao sumenled you o uat I,,bF usnrg yJU1:r-it..rd ood ottoo,5:!name!oil mho di: :uFhul Jte Foy:?onts,3!des-oy oll tedituds writ•r==v:.he:b,'5,J 4i Foy oll yurounts you owe us,evrn t thoy were chmged CJ.fox 3::5' v.us:boot,r su:pnd,d. Soh Lak-city,lJT 5413”.5255 How do 15fak.PRYmoots?At any dm,yoU'toy Foy'dle rinin111,p omo,th,b[:I UnFoid t,ttrn:,,or any orr'Jr:nt " in nets:-rlr.l'Jyn art>n'uy[e:I'vde fin Well,s:•e!Ire•:idgate,this+,Ire n,L-5 roFFly b too d!sFrmd an':lnrt r is:o.ns,d trt:,r-.Jtx1 roe tint=l[J!.n ,1"stliore F.yg,irgGU:v.•v::.Tint:ore.:J:r.nrd l:ggngin0 yJ Jrn:L i:rraigodo1,NV:V llt':Ilyri oul'J:'.i=bn.Fe Mot puin,itw•:tinty':ru AV::aro,11JUrrt old you JJ;tot p,,:=.'levy .eT-leph'ort-ri1it R,sp fire!iyot-n'ty7yrna1>::d-355•7:7"t'urd l_lloogoyte of:,roosts.W4'hen you rook,v 'loot you os d-lioyu-rot. Fh1rr::topetthrto_:hour•;:!:,t-=Epos:sys^::r,you outh_fic-U;r.into,on ACH:el:.t!oni:Fos:moot shot ciii ;-F:to!att.suspni httnrrulun,piss:y put=.;)or.t:o,out,:.0=h:a;wYn.._vpi;ubn,.:Jn' t,00 itrnr pro hoot O::7um.funds troy hovoit]trnat!un your took a::lun0 es 5,111.5 U1,sync-Soyv:e x,.2-11'': I x 'AFirl9n,is,l;d•!'enytogist,ed s,ni:,pork.An tight.rs,Iw.d. 3f C',!IIrg�JU:Moto:A toote,1 .2dt:355-7:7"vnd Fu,idy,g your i,Aorrroion b Aur ropoos,ntoti,-e, 41 P.,an: ty+rout?should to s-n1b thisroiiing odt:o.povid,d uU tht tat:+[aorio:t,I thiss'uto:rat. er.::e • 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 0 • 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. (2 Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • •View and print copies of past statements • Pay your bill online Sign up at:www.capitalone.com Ca Page 2 of 2 -------- ` -�" \ ag �""`` Customer Service 1-SOOge 2 of Aug.12-Sep.11,2912 31 Days in Billing Cyde �:a srut',� www.capitalone.com - — ( Credit Limit: 512,800 00 Visa Platinum )0XX-XXXX-?JDJ(-2661 Available Credit: 53,693.28 NEW BALANCE ..i>elML:FA PAYMENT Dun D "n 1 Cash Advance Credit Limit: 56,400.00 $9,101.72 $1,347.90 eft 08,29171 • ` Available Credit for Cash Advances: 53,693.23) Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 58,843.10 ] — r L =50.00 l + I S258.62 + I 50.00 I 59,101.72 J 111 • I (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 read'Capital One. I � — I � . . r • LE �_ • • ;• TAKE CONTROL OF YOUR CAPITAL ONE® 500011 Capital ACCOUNT AND KEEP IT FROM BEING ' what's in your wallet? PERMANENTLY UNUSABLE. DENISE E DEYO We're here to help.You can regain your charging privileges and bring YOU'RE BEHIND BY your account back into good standing by paying the amount due on your statement. 4 Let's work together to bring your account back to good standing. PAYMENTS You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. co 2009 Capital Ont. Capital One is a federally regi4tered service mark.All right reveea rd. ........ ...... Pagel of 2 ' - ---- l �+�.,.� i�� Customer Service 1-500-955-7070 Sep.12-Oct.11,2012 30 Days in Billing Cycle °"67P11 4�'+ www.eapitalone.eom MINIMUM PAYMENT WARNING:It you make only the minimum payment each period,you will pay more in interest and it will take you longer to pry off your balance.For example Visa Platinum XXXX-XXXX-XXXX-2661 Payment Amount Each Period If No Apprndmate Time to Pay Off Estimated NEW BALANCE ...`eiFSUis P AY ME i' .cr.rt.DATn Additional Charges Are Made Statement Balance rota Cost S9,359.36 ;l,693.68 fit$3 Ott., 012 Minimum Payment I 20 Years T$15,040 If you would like information about credit counseling services,call 1-085-326-6055. -z-`.!,F A " """"e^A.r.cs LATE PAYMENT WARNING:If we do riot receive ur minimum Yu payment by your due date, Credit Limit:S 12,300.00 Cash Advance Credit Limit:56,400.00 you Troy have to pay a late fee of up to$35.00 and your APRs may be inaeased unto the Penalty APR et 29.4045. Available Credit:53,440.64 Available Credit for Cash Advances:53,440.64 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance l 111 1 59,101.72 I - I 50.00 I + I 5257.64 j + I` SODS J = [ 59,359.36 1 - 1 ... sn'i l*,..-:.; TRANSACTIONS I Help is Available. J I Just pick up the phone. PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEYO#2661 Call 1-800-955-6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 03 OCT PAST DUE FEE 535.00 Total Fees This Period 535.00 INTEREST CHARGED INTEREST CHARGE'PURCHASES 5222.64 INTEREST CHARGE CALCULATION Total Interest This Period S222.64 Your Annud Percentage Rate(APR)is the annual interest rate on your account. TOTALS YEAR TO DATE Annual Percentage Balance Subject to 9 Total Fees This Year S230.00 Type of Balance Interest Charge Total Interest This Year 52,256.91 .__--_______-- Rate(APR) Interest Rate Purchases 29.4(1%0 59,213.51 S222.64 Cash Advances I 29 40%0 I 50.00 I 50.00 Transactions continue on page 2 P,L,D,F-Variable Rate.See reverse of page 1 for details i PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON T0 WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447008342661 11 9359360342001693003 Account Number:4003-4470-0834-2661 Due Date New Balance .v:...,,. rayom,rrt Amount Endosed Take advantage. Take control. CNov 08,2012 ( $9,359.36 l , I Manage your account online J at www.capitalone.com 2 ••-• 0it■-:•,- •Make payments •Review account information •Manage your account in privacy 400006 DENISE E DEMO 916 MAPLEW00D Ltd ENOLA, PA 17025-2073 Capital One Bank (USA), N.A. I III I 1 II P.O. Box 71083 I' 'III I ' 1'11111 I I ll' I 1"'1'1'1111'11'1'1"'I I II I I' 1"lll' Charlotte, NC 28272-1083 1111111'111"11111.111111111"1111/1"11'6111'11"11111111'1111 Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. • 001 11 How can I Avoid Paving Interest(homes?Etch Ironth you Fry T o u t:Nev:Brl,i e'in lull,Too nil!hove•, W! rn will you Credit My Pavnient? inin'otr gtGn Fni,]12;dor.vith n,inure:?:h,rje::n,llr:ew'11 FAA:h-,sxs,2!I:olonse nail-hers 3i npti:d •For,rdinz:,r'r-the chary,:usX thy barn,Joy ante:.-i,-:iC•r l:,n3.s they m e n',ie tyi inn'.Er. Fut,huses untl 4) ei ch-r;:s.II you Nova tearF-j.y put•r.:)mrt in lull v.iel ru!n[rs r.pied pu •For lr iir]pprtm.in it Nu tusinets i'ryvre t eive 0.as lung r:1)youstrd lie t:abrr-rd:m of this b nn l-;put ilea h i l l i t.hull Filar-'1 h:erst:hGi s'ai0 b on-ntti.there is no yr,:r prri,i on:rsh u]•:,Is a', xrtrrent.,r d pm:hest in the an:hoeai m'in-I,?enwlop,,ni 22 Tom pp ziIt is it:_iv.1 in'n:-,t our vtitslul Umslxrn,DI up rnyrnwti r t!:nn,•t rt tete is rnmur!d t;4,n:>,von';.y:r )II ti?_ pro.-.ring nt-tr ty5 car.b:,!in'e.Herr AIDS: ltsr;N tusintes i•.ps lot n,:i-lira•:.M,i!ei p:r:renh How is the)nterest Char,applied?Intones[-.11,3 s r::we inn'the 1)dote of the tr,ns,:don,2)L[to rT'I'll' l,:.,don,t in,ny oN-1 ton;Troy tot to:lt It:•!rs,l rh= vs]oy rz:vivo Neil'. r irnri-:don is cm•swoi or 3)lint:Glen],in;01 to tilling Fri,].Intnest:.hGre_r;::.Tort on=rely unl:r!]rn'rnn Do you Process Paper Checks as an Electronic Funds Transfer?Nauru,o:01 t=.pr):-ssei in;,nz of tr:o utril it it Gail in lull This n run:pu ern'oYit in'w:_n:h'oges xven 0 you Ps N-entity`N,,: llten pu prm':it r:he:k nit:heck inunr,don?uncoke r Frynznt,you•r.rthoricv us:n DUI;gen•o u=e the tut id not to s,to to{ot,irs wonth Un.ri]int roit,:h;g-s:no atl-t n tht poFer>-get'-„t,!pin P.::ount. W.:t ii:oh t,n-,kt?roil?Gtr-AI Irmsr:list or;the,ell:con r,fund lasnel yt irrr put itps .c M' h acunt .,noun H,rnv-n,r:'.tenne the ris?tt to not intend:huger•tt Guy titre. rind UP alt ird'r u'rlbn tJ pons:to pp rent us r chrkinsraion. Do you assess a Minimum Interest Charge?Y-s.A lrinirrwr INTER ST YHAR:,E:rl b::.5:;wi0 to rti-in1 F:tr:h What if I file for Bankruptcy?it you on eroded to h-mh ipthy pot-:lion.this::,rr'nurim jots is!r irdiriii,n tilling G'-od rd-t,'.nn--ut,:.pto on nrut:n'.rgt. :;rr',It in not Ur;btill tLi.b!i,,s” Di I:7,1,11,Jett 1J,,to notttrri„Fount.. VAA,11A.F-rkirg 0 h How do you Calculate the Interest Charge?M`:us r nNhoi:.called Awrgt[roily FA,rl:-:iii:IWOrq neon „t t,n1mFt.y rttom y,I the Bonhupty COUI'It;eta or put rCcony v.00{i Ilk?to uutrt out totauciy Lairs U;ns'.U.. ..Uni-1 N'.p N.: - Atlr-pu lolly L.Lr.n;•n .t -nC 1!t•k de t:g nn•a t1.,r.:. `rw-Tarotidy r1- -.intol Jne•:,B:x 3C2F5•Sot tot,Ti -.413rr•2E5 pJ odd in ne v:Urrri,thirl,rill tho anodic irG-r- :h-nge r':the presiors Joy's trl-n:e.ten 2)it tune:ny' BILLING RIGHTS SUMMARY('Dues Not AuyJrcio Srr,Jr7Sbsl'ress Atx.tk:m5; yrretm uni:rydit'Ix iii segn tin OF.!N th-Jrfy telrn:'e it nr:h segment.Hai:n'et,it y.,u Whet 1'o Do If You Ttiok You find A Mistake On Your Statement:I!Tr,Nth,then is Gn 171,1 orI p.n Fri]your pnviou r>nt'>talon,i lull or it sour t r0ao.t WOO an m,:r.U!t-nr,urat now 71,1nsriiors rr4U:.his[ rtrr.o,aa!O r us rt ID put pup:lt,st of spci=!purArse ',r-trot jilt]t Nx daily trletr ts.Pis,,e'murtbns AM,e:utjx:tto G glen Ft:i,J Gee not rd]id to the Jtily tol,n:e S. Z,Filal;01- Next,to find your.AwlbUtUaily Hume:I) thy icily tuba,rappdt,tot oval it-teed.•17.:12)ii,'i],the urn'ty P.D.tax 2E5 Nt,porter at Joys in the Fjiing .!-. sat eok-'ity,car-4.3:='�55 P,acct cn:i,l-r;h Cilling:;ci-.,'.-let-mrine your Marron Ehrrgt us h0onrkI)tr IUFly your Avrrrge[•ril^EErlrrin hrpm l-tier,g!rs us Ne P,li,wir:get:fir;rrd on: Lyn.e],i!;Perim nth;APR]i,ide]by 5/by Nat so-rat-Ent rani 2)rrii UGly the Tema.byte nun pet cat days in the• •p;;omrt inbnrrdon-riven,:a red o::,ur,t mortar. i:tlay Ferio].N::TE:Cue to r-ending>1>11111 Ui•u.: itt.:..i;hor>t.riAO-..>I rU-:rir:troy c-ytr,n'thy iri-e;t Ui-jr i- DOHA runt-T-J:0rr Tura Jr the norco....... �s. =r ,t, • °n•r •,:n,ai,.y ottee,rJ. _ r ,,, r,. a , n-a:licdoa,!cork-lr':It rp think ie rp,.?trot,1,y till,i-. .wt,,;you ter-..... ,•+],cloy How can my Variable Amnoal Percentage Rate(APR)change?1:•w.AiH:1,17 ircrrsr•r ie;r-inn trri:m one t'eliri-_rt is r n ist,kr rU t h a hlbwing rap,ri inii:a_g-pnad it TN.1.1.,1 1 Sbee!.k,rs•t:,f.to kid v.bi:h index i n ord Ix your n 1.1 1 1 rip rn t toiltaL us vUNin 5.0 irys,Ire tt?rnr rFF-r,ei on Taw:tabu yet look for r Mr,ale on d,:,la 1 Nis.?foil'-nir:ex:ID your Pps:I.T::n:hetkthr ludo t.ADS, - oust nosy:n.4 my pits:tiol elr xejpr w^higg.Y.nay toll us r,catty us Ni:p,ni::,lly,but it pu do re ore Code next to your How do we almlate your APR(s)? When your APR(s) not requbai to imrtig,h,ny p,landrr-rnr?and p rl ry h-n b py the,gount in Ruenca tot al rit>pu APR(s) Index+margin(previously disclosed to you) will change iu+ 3 rathin 3.drys:,t not rexid of your hoer. r Rimy-R•F:: n wasp ththirst Jay U to ti0itg l;erro]s Chit Mile it investiU,n whem,r of to[tht,t has L'to'.an.rn?,the ltP,vild L 3 runth UEFI mrgin end in JOU.,Al:ril.July,rni at. •'NY:want vyto,oll-:t the,rr>urd ii.quistir,.,Irt>.rtyr:Ti Jelin'duw:t:nr that rtr:unt n •fie hrgit:duos-thin troy n !Ii yrrt et til erC r ory::rdnuGhsrg-you irit-?-tNau:t Nitre Para nng5n T- e F :.rond,UEOi! r n'olrthlytilll,I. 7. "t'-`^d:•t:nrt,e Nut wt.no]e,niet,ke.you VA!In,;111.-:to FGi'the otmuutin ape-tnnr vny'in!nes['n otMt ,gee gFtni, Leetelrt-:t Bed r,ASA. Are there Additiocal r..assodated with my account?•ins,ur]a tettrup:ir,r-ern:es,Tr,rruy Fe s-r,. r •While you J,not hoer t py the...Frown it real,,:nil rt..ern y ,r,;U:e,...out N,,?cocoa'=,t rn late or Retutnil Po;•rt:,t lee.rip,'ruins,tou,..•••]Jvetlirrit tttpd Fern tad by too:.We ntser,•v the ria!d t.not u1,ti„dun,p•,rte tespnsitl-LE the teg,inia�:4 pun but-ot. ,..e::loot withxt prior nria nd xid,ut wr!vh■mil right o rss1ss a tin lot ha Irrer. •+,ke tint urFly inn;ut.piu-or own e1rio,t pun'a-iit lin'ir How an I Avoid Memd,entrip Fees?!I,Her.v.Ol tint is Ftint:],n Ne t1a11 at this Hotta tn;you Tray roil UN?.5C doss 1,uI re.Ft:?your 0111,an vein send T,u r r:ti ton,not!,exyl'a!ring Attu thus!ton tonettei the Faring ml-nmurl nxrrter tliF itt ty smtr'.fng,utrrer Senn,IID nn,,lhnt45i,;-:rlrr thy lost Joy in the tilling .rnr rF.F'a on y.nut next not:m'tnq,r Ne rtGSrr:vr.thieve to bit is :.rase otta ei by dile strt'etrem a Teacart Not we:ADP,put x:nunt.T,o,oii p,yina y n'onthly nentt,sh!F Ito•, Your Rights If You Are Dissatisfied With Your Credit Card Padru,ns.It you rrd :rrtr:[miltn eI orn'i:-mrtine b r-auest N-t rot dos-Ti,n r.nunt rta v:r will sop a,•'•enn3 cur mr,d,ly ii1.r n,titJ with the-cud.or r'trritrNsiF tot. r sr•tot you hot;F:,r:h,sei with Tout:real.::,7,',17]you her:vie]in get]loth to cone:[thy{outlet;with to men:hart you troy how to tight not to coy rho rcnri,dno urrurnn due oo Ne Fur:hrsr.To as::Nis 111h1,the How an I elm.My Ao,,,r1?V.0 stir qD1§t1 Eustrrtr Sorsiu Ulryttr 110 regptit drat tot:lop?'TAB'.,DAlt At t,lbvdng,-t to Iron: [hot Gtr-,u=ll-xliyiti rny,Jdltionrl?.-FSr,r:.,cant a,sute.intlu]inU?Aunt,py down hArrr,a,n card do Nine, uvou tru,t hone _J••i,1:�-ik:rr rn Ark+ol vdtti ri•r•.. TI louu.•tour••ii i _h ceyan4..Lutt.,leer^,u r,k caecatrieit.v.,sun k<rF t'- 7117 th-l.,r n,- Iv.h ir:7:wtN.,hGinn,.:esh,n - g s"ot y put tnit.ni,::,urn do nor:polity Old O,. r F 2)Tau trunt not yot hu,tully Frid t,N isurshono. What happens it myprmrwt isollsnyndedl rat not u, , unt] o, ,tt d put Put t ttuin:r-it II II. N....¢ "t"' rod r. :t 11 d•s,n4-l,.,th rho,s h....:: ,t my Dry rain r.r�— --u J you-ate not in Jelou A::ou:t tun t mL.G r r..rt:v prpioty.II - ran ::,pmt:?:.I:ntl r anpninit]ynu Ina v oat::,;o:p poi alit:rill,nit,::,pill.2r to:el oil,,Cdr pun eta,31 isttry ell:r:Jib:Gds end unto o Urtut',urn 41 coy u?aroupt you owe us.even 0 they were:bongo] CCr.Big 3:e5 uttet 4e ottou,tcars':bsed nir s,upniei. S-,k knot?city,:rI::413".2=5 How do I Make Payments?At myth;,,you troy py the rrinin'un'purero the opal unpd tl,n:e,r any Gnount nt in rxvenl s:r}s While von sdgrte,N-nor re o:Fly o Ne s hos.-J;tow.pas w- „n teP:er. , eprti uy tn'ris Jng giippg„b yip,,: rugrdrt s.;wi11ta11.,u our 1,1:4nr..ra the oint it think you ows or,at out a and J,not a h1 Nit-Lou tot U r'n.,Eniitrsc.:on',r,i!_ tout ` T G T coy , 211-1••thon.. :t i!tspn_ ty]ioling!-l' .355.707 rndt:,!I,r note r: r1:t-Ekh-n_ rrk-r t:'prty:w,y i-lilyu-nt. •vr to u Fh,n;ru;opera d'n_h 'yon. 5,10x•'m -c mot,.t.h.N' t. F ,.N'ta ,,Ertl One eucprar i5 otti.pixt,y UlDr,aiDir.to:ou,,,.tree'U sx's't:,uUP:.n... to i:t:vitt:kr pct t'nt otto,IF.11 J•r',y t-w^N]•rwu nr•your.:nk,::out rvs„n,U1..,n.J',yw .!:.,,1.,:.rl.k-._,pt,I Jp;5,loierdly is3iotnei smote,ill:Allrghi rn'etwi. {oo:iss ern f.,71,11-1: 310 hy,ut telephone banner l= -707: o,iiq pro out t'um:rFrettrttrd,z rd _�.-?55 ,nJ Fr r o„err:a' 41 crier end=ty trod should to sent t,to;piling p,side]on the Unto;-pni-rn A this st,csrn r ETC-CP 11;3:(l 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 U • 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. r-Q Take Control with Online Statements Managing your account online is easy: •Check your balance and view recent activity •View and print copies of past statements • Pay your bill online Sign up at:www.capitalone.com Page 2 of 2 Customer Service 1-800-955-7070 Sep.12-Oct.11,2012 30 Days in Billing Cycle CaPitaiale www.capitalone.com - o\\\\\\\\\\\\\\\\\\\\\\\\\\\\\O\\\\\\\\\\\\\O\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\O\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ Credit limit: 512,300.00 Visa Platinum 20XX-XXXX-XXXX-2661 Available Credit: 53,440.64 NEW BALANCE ?.ia ;;:Y `;:1' 1119 :A'C. Cash Advance Credit limit: 56,400.00 $9,359.36 $1,5 3 3' Ltsa 03,2 912 Available Credit for Cash Advances: 53,440.64 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 59,101.72 — S0.00 + ( 5257.64 I + 50.00 = 5%359.36 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 t•. f •• } • - r T: arsinyourwauetp 500012 IT'S STILL NOT TOO LATE. DENISE E DEYO Your account is unusable. Please pay the amount due on your statement by the due date. Remember were here to help! YOU'RE BEHIND BY 5 Let's work together to find a solution that's right for you. PAYMENTSYou can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. E2 2009 Capital One.Capital One is a fderally registered aervirz mark All rights reserved. ■ Page 1 of 2 __—.. , Customer Service 1-800-955-7070 Oct.12-Nov.11,2012 31 Days in Billing Cycle pIt O 2e' www.capitalone.com • -- -- MINIMUM PAYMENT WARNING:B you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance.For example: Visa Platinum . X00(-500(X-XXXX-2661 Payment Amount Each Period If No Approlamate Time to Pay Off Estimated NEW BALANCE MI :MUM PMMEW;MME o ono AY„ Additional Charges Aro Made Statement Balance Total Cost S9,631.03 .2.05f...1.:63 rr.�::'i: , „-741s... Minimum Payment I 20Years I £15,107 If you would like information about aedh counseling services,call 1-585-326-8055. :r,: "'`"PAY" °"`-"°°�°, LATE PAYMENT WARNING:If we in not receive your ndnirum payment by yew due date, Credit Limit:512,800.00 „'Cash Advance Credit Limit:56,400.00 you ouy have to pay a latefee of up to$35.00 and your APRs may he inaeased up to the Penalty APR et 29.40%. Available Credit:53,168.97 Available Credit for Cash Advances:53,168.97 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance I 59,359.36 li — 50.00 j -I- ll l I— 5271.67 + 50.00 J = 59,631.03 J (TRANSACTIONS Help is Available. PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEYO#2661 I 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 08 NOV PAST DUE FEE 535.00 Total Fees This Period S35.00 INTEREST CHARGED �--- - INTERESTCHARGE'PURCHASES 5236.67 INTEREST CHARGE CALCULATION Total Interest This Period 52.36.67 Your Annual Percentage Rate(APR)is the annual interest rate on your account. TOTALS YEAR TO DATE Total Fees This Year 5315.00 Type of Balance Annual Percentage Balance Subject to Interest Charge Total interest his Year 52,493.52 —_____ __ Rate(APR) Interest Rate Purchases 29A0%0 Cash Advances I 29.40%D I 5950.006 �S0.007 l Transactions continue on page 2 J P,LD,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 4003447008342661 11 9631030342002060005 CaPite- Account Number:4003-4470-0834-2661 Due Date New Balance F' " ,.... .r.. Amount Endosed Take advantage. Take control.• Dec 08,2012 i(" $9,631.03 )I\ Manage your account online • at www.capitalone.com 2 't ii:.e..-F)Y:E:<:.:; ••- � ..,-•.. •Make payments •Review account information •Manage your account in privacy 400006 DENISE E DEYO 916 MAPLEWOOD LN ENOLA, PA 17025-2073 Capital One Bank (USA), N.A. P.O. Box 1'rI11cr1111111111'111r1,rIrr 1111111111111.1111111r1rr1111l'I'll Charlotte,1NC328272-1083 1111111.111"11111.11.1111111rr111111 "11'1.111'11"111111111111 Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. ooh How can I Avoid Paying Interest(harges?Eu:h nmdl!sou pg your'Noe'?Eulun:!in lull,pu veil!hove u When will you Credit My Pertinent? u 4141,' dry•:xith no inter :hurgo on ell rev:I)potholes,2)4,1,11,Condon,3)vT:_i;d •For'mline n n^,1 the phol.,eo of the tusinrs,duy ue r::.-iw it uu tot toti M:•y rote n,de ty 5 Fn'.ET. ()red ne,Ind 4)ot.rt:h-1gre.II you h'use teen puyc!s out a;:uunt in lull'MTh no rarest:huyos upplied end pu •F,r n'-nle7 Fu}vrvnts.h»I M':tusme r lay v.•:le:en•:X.;s long u;:I)pro_.rd dr:totter{:noun Di this du not l.,ypit toe,till in ful•pro:or-d Jt•.i Lholges van to uowssei.ihet-i•nJ 41,._1,1i,d.,i Lushoirn:ru. stocurient Jul 71111 It M-;n.Ir-i wrrinta,onwlopo, id put yvyinut i:•r..:vrin of,A our elx;tut uun'EvIi,Jr-JI:uny,vv:trm1su:.ti:nrv.fien MvrvemI unpy!d blunt,Inn'uOuntrue tEL pro:enini ent,s by5 parr.itul litre.moteulbr.at leu:17l buiina5=i::ys l:n crud ielirry.Muiiod pu}n'ene' How is the interest Charon applied?!Main?:buyers 1::mx Inn'tin I)Jet Di tit oonsr.E 2)Jur:Mu .•ti,xd ty us ur,ny oMtl of lo}•oMer h:n'r.'uy.os[,a::IiL'i es of the J,y anrt:vive Melr. 1111:u:tgn is tr.,v=-d in 3)tint ua tnur ley el to tiling pe<ii:d.Int!eu[uhegos euumo 111 er:ry untied urrount Do you Process Paper Checks as an Electronic Funds Transfer?P,yv:'ent,ea to plu:,:rood in ono ul two untI i t is p:id in lull.This s i tun;pu Ivyv u v-:iiityrust:h113.»x.E ply d r y-enure'New Eul,n:=n,u n':Int, vr,y+:140,11 t y r o plu•ide a;hod UI:he:k Hut[tertian to n'ut:r ppr'ent.;JU truth:l!a us:n:ui ugfuts LT us.Ill: to did trot do so In M,ptaiuuv dont..Unpuii!matter uhr.gos ere e7da7 a thi l:repvi so;nen:u!rna A:u irit. inl:nnutiautu Iruke o onto Vitro A:H U u;vu n un or uthv,h:rnni:tuns Cowli.1 hoar put deposit uuuusunt We trey. Huquour,s:•r.,-ivy thy rgtt tunJ[, .-' ,.-..ut:h_y"•,'n,:.e. ;dr.ontho Anl'-nnl,J pu__s the ppret4 Do you assess a Minimum Interest Charge?ys.A if ini!:'un'!N1ERESr'.HARiE Y 142:5:will to us=essei I n,v:h What if I file for)tarAtuga?II pu me cut Aed n tionturay poteunort Eli Lotto uuiuutbv is br in!om uliun tdlrns porud pm a;euum is iuhje:t tuurn interest her go. Linty.it it unadnrp:o:olL:t.usneusv:,:: Ice detl0 Jill.Du ti.nerd us pr.*vlDcp.n speuAng with How do you Calculate the Interest Charue't 1Nt ,'. 1sJi II r[ ului I:I i'J S t k.pt y' tit Eu! ty ty , 'it y ilk.::' t nose t-.•b,Ft:y'Lich; nut try.Under this. th...,s,.' ',lul'-,Sd,duly tot Y.T. g-rT nut.d, turn.lt,h„:, ..t..tly rl. J.,,.,.tilt,.JI. end udi in noes uulrvu:Bunn nd Ito pniuli;it rtivr:burg,:m im pto,i:J:n tuy••[Mans.Mtn 2)Suttiu;I:try RUING RIGHTS SUMMARY;DUn Not AutuivioSrr:Ufy FUOir.•ros ActuwYiu) pirrig•eld:r-ids b:thut seg:r-n[e=of thut ley.The result is the doily:demo to eu:h sogn'tot.Howls"(it yJU What 10 Do If You Think You find A Mistalm On Your Statement II yuu!!tint M=1=is'en alnl on p:n pull put{:Libor n'mt•s helot.r in lull lot it vJUr t u;nr„:,s e:n,! :t Art u!r uul it.newt uns--tb!v vf•:':l^.part sc,[erl-la.vuite Ti us:.:r. ?put p:mhos .l special put:hue:=::g:renL alo not odded o thy dully tulates.,'troy eon uaiole Mnt,r•:,,?jet to u g11:,pitiu7 u.u Tut mind o M:doily tithes:es. Cupr1t Ceh, Net' olirid put AS-.., 'uily PAT,:t.�i M•Jetty .,.us togodi,to•.,.::svgs'v_end 2)dillo thvs.n ty duntau,"2 , then l.tet Jt du,in the..ins uF•tak-rity�Ut sat 3G... At ito end ut eeds tAl!ng Tie.vim itnram put lntet,r Chuii us lbliuvte:1)tr uluply put Meng,[e:il:E-ulun:, luy.lur?[tyre Bice un the Iilbving apt::;tau 1112 ty the d iypel rut,:APR Yi,iied by 355)In Mar.segnrnt and 21!rulY;ly de re ty to vuu:t-;ofd in rho •A::.uulit iiigtP=,'J:r4'io . urd u::.ount nutter. .,i :udi:. uys. ul..ones,. tilling period.HOE:Duo to rounding n u tinnier it:tenni horgo.this;ulJlution truy u-utylnn the inn?t-3:.ltur7u •en,Ilun gut F'T=i:lln n,J0 ut t,susp:•ted •pes:riT ill al Patton:It pu[hint;More is art ornur:tor put till.is:Jito vhut y:JU tenor,is vvnns red why pu How can giy Variable Annual Percentage Rate(APR)change?You,A"R,nut in'Jr tot Jr+de;l•:.so Cur:?on ore .. t r ru d ehiuh index is l r }7u n'n.;a10:4 U,vidin SI:d =At-ith-otnr u' -il-.1,n-n nt,tlrat o!Mololiovair,:,F_nto]inii:es:r-FJr[din?,e X=:,i)Sr•e't,brntti;. 'fir .,"lot yJrn a::�un. ., ., s}.� FA y.r. tilt rut;�al 7,1:111 it II'o,.Iu'•this FM-evont Icrtu putA'Y:sr.then;he-Atilt rude teLv,- Ygu 11'11?inti■yus puny puttrdiulnnitjn s:lirinu.You trey g!usg!u.n.yue,L:nmi:.idly,tut tl pu Jo Art uro Code next to your How do we alalate your APR(s)? When your APRlsl not leauited to imz'Jg,t=,nyp[-r1Ju!:ro: uni you n uy hu•mu(or;tin n'ountin auction.W-v.411 notify you APR(s) Index a-margin(previously disclosed to your will dsange U.vziliny Or hill 35 7uy+:,t DI:..--ipr Di put lotto,. P NU:Rut Inge: Thu tirn[d1y of Me titios period,hut Wh.il--v:rim-at!guto whet-lor'uttmio but boon sn oral.the t,:!uwing en two: L 3.'ninth UE:(1 et gin old in fun,Aiat.lull,rand xt .,:n.,try.:ullo:lot&urru,u It Li u-sliJn.:n:e pit}^JUUSd.l'a,pent oft dud etruunr. •Iha;ha:ge it.:4::r lion uoy r:n'uin un put:futon out did',troy;untinuu U dingo you irfuluat.n thus enroun[ I Ririe Pt :'-„gin The tint guy of eu:h E:Lit it w datnrlUe 01un:x rude u u inrokr.you will not hurt to pv;tm uas,aUU gu,stbu;n u int,ieot Lit other F I n'out.UE9i neigh) tranth;bllins poirii. x iris e!utd U Min aI:-lwtt •Liu o, ply arrounl an:;uraion undo v. on] �mate etout ms out;.oz of DUI Are there Mdiri-teat race assodatrd with my account?}?.,tn;]ot nt.rin:it:uo r,n:-s,}:,u n=,y Ti� ':::d a •ih1rlo du ><her:t p,rho __ pu. Lm 01 Rowme i P0701 tilt lot You Troy so to a--"• avoiliiriltoos!I polo 1011 ty luv;.We r,sorve rho right Cr rot in,^ i_rtlan:you on!espnosihl lot the crru!nil a put[dome. v4thJUt p!u:Mgt,and viMU.a vvviving cut right s uss,ss l si1,11ur le.our-'. •IN,ton upply•any rerpuid un out.agrna}'JU:;red?knit How an I Avoid Membership Fees?du Renewal tO t!:'!s united on tho rant ui[his setetrent pu n',y Twig ,.y Man 3C lays t our ie;cpt A put L'-nth,e:x s:dl son]you a,.sign n:,tia oor:leining a idiot thut,:t.1,1:7 tho guying ms 11111,1111,tr[o•I t:!p 1-,ty.Jnte;tlna:ustotrot i,lvi:e to nil„Ides 45 dip intot the owl Joy m the tillity iui;o uF:p,ur:,n your rrvx::taouxnn_:thr rerv:nr.v,-:tol'ev-Mz 1:111 i;;tor-:r. ;lo:aoe!e7 Cy M!,stlen'eta b tegueol Mu[,:2 Ism raUl r:uunt To erred Laying a Ir:ntdlly v'en't„ !p roe, ::ntt1:t,u Gtr,!itivi:e un}tirl't b rrIuesl thy!.cue:loo,put 1-.2:11!4 ono v:,w,4!I stop:r—dug put n'nitd* Your Rights If You Are Dissatisfied With Your Credit Card Pundhases.It you we di1sdidiod with M,:loud,r r n'entelnMp tee. sed:.,:Mat you hut:put:howl with put'snot[:ud,end you hew tied in gnJ NOD onout Mt potion with the nreh....nt pu troy huoo the tight riot to ply rho,o11.1hnn7.1'01110 cue or.M,pur.huso.To 010 this tish(rho Hum an I on,.My Arrmlr0?YOU:JT1,:ta l Custl,lxr i,Nil,014Jli 2 to loguoot Mut wo:lost put 0:tuuI:C At lobs-41g crust to 10U" dot two,we'll glu•en,7'tionol steps co O.lount lu•tn:,r.l.d!hgt,lew,ply d owl id' -.d fir eln t)YJUnusthrz -'l,Jn.J.5.:nits fit.I,u:.h M.h, 1•,:m.lsh,i, --t-n ATM or,•;tu:r Mown Joe tint you ow put ne7n.,7 hn4..p;o you',.JUnt na pu.A a o.IJ t. -n kooy yon :.•u-� horn cupon ... :host 1hut.,?:-00,10 pm so/it;oil u..:JUiti.0 n:J[guulilg an] What ha d cusnende :)! [ y4h t lt,p'dints pu h' happens my Annum is 0th=nlsiu-,Jtw-Ft117pu 1:'.Art riyu ahl t J[l,n.rtdII 11 d on tit. 411.101,t L•i,.iM rh-p, n' -T�,ut 'a t uny a n t l l d l J!u t y t-1v t,own pu et,tot i"7�I.WC A..JUrtt,u•pr11•'Jt,', t:p r t : C:Ip•fy.1 1 .:.Jraa3 00111 is 2.1:,x1 v nnponlr]you oust I I stop using your India:urd and u::uun1 7)t'nn:ol oll-0111:11A, CyyP'Zoo' pugs 111.31 7:-ol oy ill LIed0:-nos old-s:Liss shouts,0117 4)ply`u0 olnunl1 yoU uv::us,own it rhos won:held' f:J. eft=:du,a u:I:ea,:,s:.Used o,suupendol. iUr Lh..;ity.UT 9413"-:2F5 How do'Make Payments?At rely tine,pu trey py Mrniuw.repent,the Peel taxied tulun:e,n unyunJNi: r ten: P er smile inentg,te•the ere,1:11, epply v M,disputed torount'10 711,0110d i atos,Allot finish 001 ect>rly l,:a:linu ty guuybs:+:•s::-,pir,.,l-,n-:.;ur.,td!:,711:g inU p:n',2211,., ion'-2gotun.vaspill toll y^JU:,ul9,'.isim.At[hi,p:lilR it wt ihint you uw:e vii ulovlit Pid you Jan:'puy,.e n'uy 2i Totephono v'x:o Flospor.sa$ystn ty diu(na'! '.:::i05 7t7t and lulls000 the oo e pn.rpts.When you trek,a ,el:or[yn 01 i-!i:n{1-112. phonop:go-oot Mrouoh out s:.ire le0pans,nysn:,r,you vmhode usoinirue an ACH moll:lot;nlo g400 nil thurot' sass r•in wt fir-arr•%.uun' FR I�• uF J !J 'l FI v,•:p .[ .. t-r -rt1 kl ikc-dion pu tett,_JJrrF -troy t..v.':hd.lrn!Ulu pp tut l..JJrr• 'ah sane day ru rt.2:11 Zyp of:s _1ptl..t sa'•d%t,r•gi•21.i .l,u..trek.Al ,h -led. pro;u�rJn!::uyil'e:¢ art°,!;ins our tolephuno ltootoo 1,322:-P,35-7.273 1117 posting put i,donteCol:t ma:op,rnr,ti,x; 4)P,yurerto by':roil should to not rote welling odi'zss p.o,idoi vi.:ho t00n portion d this steers:feta. E;30 C T=: 1 :,'1 E t Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payments smoothly: Home Phone • Don't staple or paper clip your check to the payment slip. Alternate Phone • Be sure to use the payment envelope that came with your E-mail L-' statement.Using a different envelope could delay processing. Address • Please don't include any additional correspondence. -Last but not least,be sure to write your 16-digit account Please print address or phone number changes above using blue or black ink, number on your check. :),,x). Take Control wit, h 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 Cad _ _ 1 Page 2 of 2 - Customer Service 7800-955-7070 Oct.12-Nov.11,2012 31 Days in Biting Cycle C . www.capitalone.com Credit Limit: 512,800.00 Visa Platinum XXXX-XXXX-XXXX-2661 Available Credit: 53,168.97 NEW BALANCE MMMUM PAYWNT >:>::.°.. ... Cash Advance Credit Limit: S6,400.00 $9,631.03 $2,n60.09 Nt... L`::F Available Credit for Cash Advances: 53,168.97 L. - Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 59,359.36 1 — i 50.00 + f S271.67 I {. I 50.00 J = S9,631.03 I(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. 1 • • • t 500013 Capi�ait IT'S TIME TO TAKE CONTROL OF whars in your wallet? YOUR DEBT. WE'RE HERE TO HELP. Even if we report your account as charged off,you'll still be responsible for DENISE E DEMO paying your debt.So why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? YOU'RE BEHIND BY Please contact us to find a solution that's right for you. 6 You can make a payment with our free check by phone service PAYMENTS or speak to an associate by calling 1.800.955.6600. Make sure you call or pay the arrount due on your statemelt by the due date to eliminate the risk of being charged off. 0 200.9 Capital One.Capital One is a frtlerallly registered ermrr mark.All right;reten ed. Page 1 of 2 ' " ' Customer Service 1-800-955-7070 Nov.12-Dec 11,2012 30 Days in BillingCyclel C, www.capitalone.com , — — MINIMUM PAYMENT WARNING:It you make only the minimum payment each period,you will pay Me in interest and it will take you longer to pay off your balance..For example: Visa Platinum )000C•XXXX-XX)(X-2061 Payment Amount Each Period If No Approximate Time to Pay Off Estimated NEW BALANCE 3ic..9Sr\`P AY `ti2T DUE.DATE Additional Charges Are Made Statement Balance Toted Cost 59,901.62 $2,4.23.W ,r..,6R.ni It Minimum Payment I 20 Years I 515,447 If pros would Eke intutnation about ttedit counseling services,call 1-588-326-8055. •• •••- LATE PAYMENT WARNING:If we do not receive your minimum payment by your due date, Credit Limit:512,800.00 Cash Advance Credit Limit:56,400.00 you mtyly 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:52,898.38 Available Credit fon Cash Advances:52,398.38 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance I 59,631.03 ! - I S0.00 + 5270.59 + I 50.00 J = 1, 59,901.62 1 • ' Help is Available. . �TRANSACTIONS ) Just pick up the phone. PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEMO#2661 Call 1- 00 0 ially trained agent will be happy to help you check your balance and make payments. FEES 1 08 DEC PAST DUE FEE 535.00 `— Total Fees This Period 535.00 INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCRASES 5235.59 Total Interest This Period 5235.59 Your AnnulPercentage 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 5350.00 Rate(APR) Interest Rate Total interest This Year 52,729.17 Purchases I 29 4C% 29.40%0 59,749,05 I 5235.59 Cash Advances 50.00 SOHO Transactions continue on page 2 P,I,D,E-Variable Pate.See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 4003447008342661 11 9901620342002429002 CAPile- Account Number:4003-4470-0834-2661 Due Date New Balance ^•^?st Amount Endosed Take advantage. Take control. [ Jan 08,2013 )( $9,901.62 ) .. .2. 2 . .3 h( Manage your account online at www.capitalone.com .........-...,. •Make payments lia•Review account information •Manage your account in privacy 400006 DENISE E DEYO 916 MAPLEW00D LN ' ENOLA, PA 17025-2073 Capital One Bank (USA), N•A, I I I I I P.O. Box 71083 II"1' 'il I'u II I I'l11"II "I III II"' 'IIII II III 1"'I I' I I I ' III Charlotte, NC 28272-1083 1111111'111"11111'11'1111111"111111"11'hill'Ih'IIIIIIII'Inl Please make checks payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. • act u How can I Avoid Payino Interest Charges?Ea:Fi[cast you pry y..s"Ntve Fulol- in lull you vii[have i When will you Credit My Payment? Minot,'gr,.-fee A it yi dap s.td•n,mf:r,4,harge:n,l Neva l)F ie- )I-I --tr 4 =,3)Fite al t Fir s rin:it rr-the iihine,,•,I tn'h - it ay L ling _they' -t p ET. nut flto:'ad4):dm:itsga.II cu have tern pa}y pu..,a•t n td rem n,vit,t.hung,:,[pled mi you •F Orml.i ppre ts.aaot the twill,i{r s.,t._.,ks:1,gut:I),su ali di:tAbn perm[this du nu ing pill lad till!))tUg.[.ruled ioeies:hares a ill t,'a,s,EEed.Meru is ru gn::a[trial 30-.ash uivan:ts. state-meat and pill thett ii the en.bsed en ittmrr rnvebp.,ani it)pit ppr eat i;•f>:iveJ in mr,t our Fp:61 usn.tort,,r-n um;n=v:tr,ns:tbn%AVM mce!s an unpaid teatime lung pesi,us till. fu.,esin]:roceio ty5 pis.!s.i tine.Ploas.ulbvr Stl:a'-t:7)tus5ttss dire l:liris IIi 1irel}hood!=_]FayrstiR How Oh Interest rlharoe applied?InnrustAil gee Y.;n'e tun tha IF lists,)tha turns-AB.:2) ma ..,.iwityus:nany::rhzr l„aG,n,I inapy,tharbnr n arm;t L z:.rrI F:dos s[ma der vva r=:sire tan. I- ir,nza;¢,n!s Nxeuusi it 3)lira.,lento]o ,I to tilling peril.Intuit:';hogs,.:7.rna run=lory unpaid uniunt Do you Process Paper Oledts as an Electronic Funds Transfer?P'aytrrn6 v.'ill to pt,:eRied in:ore St nz, trail U.is cud in lull.This r ear,pu nix sort tn::tr• trot- ;hi f you pa,t anal,'NE,P'um_'iitet s.i01. •-.nTen pu puvJ-a;hrsk at[hest[in'm•dt.m r'II,b.Ioym Rhorie- t:gunsulie the•v s.;s tut did not is s,tm mt fissions 1.:m...Unpaid names:;hares utr)dirt)a de propel lPgnmt,s.your p.;;,u11t. !IArrr.niinto nuke a:mr dma ACH astusii,rt or use;sir:'4ati:fund tnnsi.r trstr yid iopsit,,,.un[We r.a.y H:wa•r'e1.wa ies,ive the'kilt t,tug s•` interest:hangar it aiytin1. ills',Via te!nbina6sw•upotess the puyr:znt.s 1,11;kLI,11.timt. Do you a Minimum Interest Charge? o.Un INTEREST CHARGE:i1 FC:Sir sill to uu,,,,IId hr ua:h Whit if I file for ganlouotrv?!t y: e entitled b t.nkrupt.y pt:n=aiou.tin c:, is tit robe nation assess _mu_ ?=�•r,1.t r' �_` .0 ar •n'u'unt urn A tHling patio]put..:.3U111 out t;t to m ilR:ralt:h,ra. iiiy.a i nut-ills2trplb:.,Felt,ass=ess:a:,*1 a lett at sin.Di nyt send us payaretu vaFurrt speSSiry v.h How do you Caladata the Interest Charge?as•:�"a a rr:-tn�]:;u gr p.ily E.!)n:a:in:.ludhg nrr rani tankwFt.)?muzya the Etmpunty[,utt II yvu it your)c:mey c:wli Ilk:is ants[Sins t.nG..l.t:y:lan's rm.dy,cle, sits., a.3ne•�c:xa11E5•daft t at'Tatty, i:.413':.':.5 . =a.i:Dun Hod.this n=tho],v:�•rvt , as put daily t.F,n.e,h e t -grunt It t•k de to;rt.',[loose ..o r.. :per Sidi aid in rev;u W15,6,ns airs the farad)-.into-s[;huge:rr the pe.isuc dap s[slogs.their?)swtu 1 any' BILLING RIGHTS SUMMARY 19oes!+u)AUpis•no 5ruol 3LAifteuu Ae,...,.., ):Nora:*and;redits I:4 that pig,'lilt to 01 that day.the Huh is sic daily tstam.r III as;h s.Jrrvnt.riso:n•:t.it you What 1'u Do If You Think You Find A Mistake On Your Statement:II you think thsie is)n titti Uii put put pa[mi,us Front•:taroks in IuiI i it,our[avoid[list cos,r all lit-r:mrtr,till:bon=a:y51•.s v.Ti;l:Fs=: :taement,.a!R r n at b put FUehese,I spiel pun:Pisa segmer•.Y-Au not Didt]b m-daily tal'elccs.4/so.s ens,[lure that are autjact b a glass ptti,7 are rul.Jdsd a tha icily Plumy,. .apiFA:etc 0:l5.tolitid pour Adtugs:roily FADrsa:1)slitaisily tiIossss bgsmsi bn to:.h segn'tni al.J:i disiir thusun'ty P:I.E-sx 3�3 E5 uh take Cin;UT R.4130.1:9s the nuclei:A drys;))t=tiling:yde. _ Ai drs sill;A to;h billing):!e,ore dunn.ins yni;iiltrtst:huigr.s lulUvrc:1)t•.'ulu.ly pus Av:eagt L,i!y Fusivc. Inpurlenar,giw us to Iilbvirr int_t:r SO a.: ty to daily p-rii]!a rat-:A Riiviiedty351n lit tatsestrerr,aril 7)tiuldply Co tesuft ty the nuittt,l toys in the •4':unfit iniiarytt:ay'bur runs yid;::.:nut marker. Lilit?peri:,d`011:Due is nuidls of s etitiinutr Uttar-:flings:thRLs Astion fray,:Signal;the its,st;haige 5'.1si• ,writ:P.i:4Iatm TAIL it m-sus["'!_-]snot •,.=LripG,n,I Putters:It Ton Tint:[.-1z is At-n,l:,m 2,0 till,izs:tits v.•hat y:w:elir,;-i=v::sng and why pu How can By YadoM.Armual Percerrcane Rate(APR)change?Vial AIN a ey il.:ttv:n it:least lased on sir teller:ft is U n istab. iI thi lsl!ivii r arsrted indi:x 'cp:tea in The V.4il Stare):or.n.sl).Ti find,shish index is tried lit pit.;:,5115. Y-ii:Irst.iits t i,v.imin 5:dap sttn nit snot Erp aced in put abea eft tasktar a hitter:r5:mter hslat:A this=Fitsir.mtI:atb put?PR;iL'Term:he:kne tugs telex, .use Irty us any p'.n.-iNal eon ir5:I;1ir_.Vi:in=ays.li ruei I pithy us eleitini:ally,but it!:,u]s vie art Code next to your How Howe olmlate your APR(s)? When your APR(s) not isguiri n inviatigeta any pnan:!;l soars and y.•unay have b pry Clsanuatt II,gwe3i,n.15'a vill nstity,pu APRs) Index+margin(previously disclosed to you) wit change I.,•.tiny s:ithin 3.iuya of Sul:-:sift it pus Ietet. P Ririe Rai- the tint day at the ttiir is;hut +.Mail,v.-inrettiJ'ettrnrmtt is nit tree halt--l:an-ioi,the Istivdtr art tm= aril g!:tl., L 3nndh Ai-A '1 - rid its tun.,Anti:July,nil at .r..,nl,.tcy to'ARAme nr,utit.gurstiorc:nsport you.Da6u giant Sill thai,Ir,unr ar.l n D solo-e e.�- a-?n= 'mr;hAgs kr D.:esti,nil ayrer rain a•yon st,RU al it."Id r-tray::�mtiltue b:harga you irrt,rarrr,mut sass[[ -t drip sl eai.h Elliit Vs ietnr'mentuts:erc::is sit it;k-.ysu::illrut/1,7,L.pay dim atrsunr et gurstblt s any'mires[r:other F h month UEDR •r RA gin money tilling pmiiid. tees:alatmdGTat anon:[[ Are there Additional r..s,assodated with my account?Yes,wrist:rind lirsuninn;es.y:,u may'te,Fiastsi a •t%1iiw yin di not hold to p y to nriuid ill gunman unit sir send you a nai-,./r.,11/1.11.1,a;r'ono at Sul late at Renamed Pap slt lee.hAs tnspaa t:-a==.==-d Dv-tfin'ir lees it nem itted ty lay':.Ws 1,s-n'a its right C.WI ill zc5.Gar.you Si,resp:ms!tlr lot the rnainds,.l y,ul taIol m. slates Iran vthxit prix:lit e and vfthiut waivin_,a rightb assess sI eirril:I t=e isel. •the:an ap!Sy any ul.pab mound a,rnst your'trait lied How can!Avoid Membership Fees?II1 P.mrienuiI Notts is[tined un Oil hnit,t Stir lT,t-serf,punayi.JIJ abgtet i:.dare it DUI r:rips DI pun lent:,u:.vu l!send pia a suit::unite rxpl•ainity titre,41st out:eta ted the pying m annual 11,1'0e:ahi:tee ty:mn;ling,._t ire[ienvi;e lu in,,thin 45 Joys alter dr Iuet day it the tilling siur.;to u)pp eo on poi mxt,taF t St As tenant re oriel:the till is:.sr:t :.rile:avetel ty diS Etycn'rnt G[runnel mat vie:boa put Kt:runt To avoid[:lying a rr:armly nxrrtenship lei, :Alba Custm at ianxa auytnrr T r w st the;sus Joss yowl a:,,unL an9 v::vhf s[ uatmsity put nuttily Your Rights If You Are Dissatisfied Wfith Your tre,2 Card Purchases.d you ate diesniierr the yt a g„7s n pantarvhp 4;. ta[y h'vf h dv,Ch psi Irsitt:Ai iy hn-,rin;poi laMbs tthu I yeh the 11.11-it s..,ray nays the tipt nit bp.uy the n.. gnis,Nt du-n■tep rhre.ion-_this tight ths How can l close My Air Nita?Vii,:'u:.;iFi:t,u:tatat-r.IVi.e anytie a t.31,1ie;4 Orr wo;lust 5nui J S.nit it Fulbving tug to true: [hilt titre.v:=.•Il mythin any aliiti,rr.l.efs n a:hunt;lo-o irl;bdir talon:p,]ern ird,Ina0,Itnri tin din:F. u Please Nato that it you me your:Rik;od,n.hngas putt)fur aeirnr,u!Rr you wk us r'ass r5.we.m1 Last y"sa :::•.''k must ha»a=e]pun:Ixii[:at]nil tie l...h.:e.M:h,=.a trade with sash:iv,iers ton'.n ATM ai with U as:Solt,pen. dn.t.::e=yes put;r:dl:sari a:,_ur•:]s not ogualily an] What ha H sSUS d. �- I :1'lau musuu[yel hex'AY paid I.to purhssu. [pens my prv�tti p»n @t`,naya-=o susF:n]pa�<:oultt and put otnin:r.dit n•ll it the herds atova a l_Irrt--Did hu•nr still its..AA: ssith ma pal:have,Lonna we ire vnitill3 a._ al-Sirytor:and DI my I-aunt,aver)it you nil not in Default A;;,utd ruspansisr:nn to purl`nnant teu'paary.It till .r aunt i5:.Inset,t srupeedei yr:n„;21r sbp urn:g you:::edit suit and).:TAIL:)n;r1 all aul:ei at: :upyai?ry puyi eft,1 deeuip:dl;iedlt snide and n;ass:hot,tied4)pry all uiiuurcd yin sir us,,v^n it they litre;hared l.a E.x 1:02 as attar the assail vent:Iseni:fsuspenid SA laka'ity,ttT E41321D2 5 How do I Make Pav,vents?Ar.ny r!nm,pw tray pyths rrhtirrurr payer'-nit to tAul limpid talon:r,n unyaniunt Wnilo rx V, or finish so in ten:):n.Paym-nits.,,i tu•rradr in stsansl rays: enedgets,ma su nr Iul-s.[ply b the dirystcd un'gunt r]is:ussx]-dove.Anil t)•erlilrr Fe g,ingb v.+:•sz:srpibl:hle.:ire.:I.1logging irru y., aur.L im ig:Aium vs vdlt Oil y.•,,ul Ja:isim..Atth! girl it w:min:you 3V_All run salt mdyou i3 oat liar v.`nay esh'.u. :alt,=pars-5yRn tytisling 1 s_c.355-72,"nd rill.'e y t h v.s e3111i,tM1Ttn y..0 bates tr1:,:t ysUaaililqueo. Out::,y.ent tr,_•h ss 1 ti,i,ta,p3F1,a Eysteir.pu aunn.c-U•t• i'I .1HSt alt t•:vaill Uftst Zte•ufpst•t A,nr,I pt,,,,pt,e_lo U:.. v...t'. '.ft.!„,,,Sir Si e tiredbrm'fur Carta::aurd.Ennis sag le vitdovn how you:tank a::,un1as F.I1UF the sane iuy v;- 1i,2.11:r:it.1_Ye.,ap!ttl:ore n a ladata!lyrrgist-lad servi:.a mail Al light:reserve]. pis:ss pi,p ayinent: 31 Cute;our Iulenhune rruebe,I=S-955-7C7:and pr viuq yea ird,nr:tiint n sins•[iteenteur-: At Pa;-rxnb ty trail should to sanity As trailing setts,,p lintel ot the ten portion Si this statsram. T cl I FI,�}t? Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure Home Phone • © D we process your payments smoothly: on'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 0 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. 0 • Last but not least,be sure to write your 16-digit account number on your check. (( Take Control with Online Statements • Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at:www.capitalone.com Ca Page 2 of 2 Customer Service 1-800-955-7070 Nov.12-Dec.11,2012 30 Days in Billing Cyde 11. Qne www.capitalone.com --- i Credit Limit: 512,800.00 Visa Platinum X0X0000C-XXXX-2661 Availalde Credit: 52,898.38 NEW BALANCE MlN: S53i \;iZi' ou r ",is Cash Advance Credit Limit: S6,400.00 $9,901.62 5,:2,4m99 dun Ott,20 3 Available Credit for Cash Advances: 52,89833 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 59,631.03 j I — S0.00 {- r 5270.59 I + I 50.00 = 59,901.62 j' r 1,TRANSACTIONS CONTINUED You Were assessed a past due fee because your minimum payment`use riot received by the due date.To avoid this fee in the future,we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. j } t 1 } t 4 500781 You have new payment opportunities available. See the next page for more information. Capita- Page 1 of 2 ' Customer Service 1-800.258-9319 Dec 12-Jan.11,2013 31 Days in Billing Cyde. www.capitalone.com/solutions • — IMPORTANT ACCOUNT UPDATES Visa Platinum 4003-4470-0634-2661 Your full balmx is due.Any payment you make will reduce your balance aid help pay off NEW BALANCE PAYMENT DUE DUE DATE your debt taster.The amount you owe may differ if you've entered into a separate payment agreement. $10,186.99 $10,186.99 PAST DUE Available Credit:50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 59,901.62 [ 50.00 j + L___ 5285.37 j I- ! S0.00 L St0,t86.99 ) TRANSACTIONS — ) PAYMENTS,CREDITS&ADJUSTMENTS FOR DENISE E DEYO#2661 Help is Available. FEES Just pick up the phone. 1 03 JAN PAST DUE FEE 535.00 Total Fees This Period 535.00 Call 1-800-258-9319 and a specially trained agent will INTEREST CHARGED be happy to help you check your balance and make payments. INTEREST CHARGEPURCHA.SES 5250.37 , Total Interest This Period 525037 TOTALS YEAR TO DATE -- ---- ' Total Fees This Year 535.00 INTEREST CHARGE CALCULATION Total Interest This Year S250.37 Your Annual Percentage Rate(APR)is the annual interest rate ors your account. Type of Balance AnnuRal at e Percentage R) BalanceInterest R Subject to Interest Charge (APate Purchase; 299.4400Z D 510,026.72 5250.37 i Cash Advances ( 2940%0 I 50.00 50.00 l 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/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE. 1 4003447008342661 11 0000000342000000007 Caigte- Account Number:4003-4470-0834-2661 Due Date New Balance Amount Endosed Manage your Past Due I(/ $10,186.99 j ( 1 account online. II Visit www.capitalone.com/solutions to manage your account online.Have information at your fingertips 24/7 without picking up the phone. 400004 DENISE E DEYO 916 MAPLEWOOD LN ENOLA, PA 17025-2073 Capital One Bank (USA), N.A. Is .r rl . l I LI L I L r Lrrl Ill l , s P.O. Box 71083 1 1 1 1 111111 11' I I I 111'1111" I I II III Charlotte, NC 28272-1083 1111111'III"11111'IrhIIIII"IIlIIf"II'I'lll'll"1IIIII11'In1 Please make dtedcs payable to Capital One Bank(USA),N.A.and mail with this coupon in the enclosed envelope. 002 How atn I Avoid iPayino Interest Chorus?fech!rant pu ips'New Ealathis•ir tull, wiL tnA,a When will you Credit My Payment? al 25 Zayo V.iD1 nt ntsroot things,lu II WIN 1)FUNINFI•t,2)t-.11.1,Ll•All•1:11).3) •FA Ail.,Dr Ti A 01, 2•Jy it Di,long Dtthsy ir rn2 ty 5 Far'.FT. put:ha-ass and :Oho iliumes.U yt,u ha'. teen fraying put urraunt in lid WO no interset tlrJ p 0,1 and pu .fJrrru Ed pr rib.i I ths ht.,.day w is it.t IdIg as:I)you ostd ths tnItAl•plmnl l this dd not Fay put 11i1.1 till in lull.poidad idsisst)harges b in:Aso:n.1.The,is ria iota),priod-.Sash'dean... FID1.1.1)ard your h:E ill ths snolossd Liar dint, and l pin La plant'• IN,ADd in.1,al D•11 trannsto,Dr.1,111.;M,71.,ily,ti31,41,■11..h:11,it.1 unpaid talathe nun tosidous till. yrn.Poing ty 5 p.11-.l,tjl tirsd.Pternis AITX IFDA J'Ali Ii,Irj i!2h,rt rsearisd yap sins How is the Interest°same applied?111)..4 hii lIJI,the 11 dats the ttaits-nt..I)Jots the tsosiwd by us ut any inhd la:di:not in linyDth.tour nay nat b Judited oir ths day as,rood,disti. b,it,Ditt,,,is in a,sssi 31 I ty nds yeibi.in.-i.1 oridgso jr, y•A•pid arn.iiit Do you Pmoss Paper Checks as an fledronic Funds TronsteET Pumenti to sireiiissid in:me or two until it it pid fl till This 1,:lity pu nay ay,iiir.,ilshalgaa wn ii yDU Ii snrirs'New Ed.,'on: A n a y s:When you rjviJ hnk :tir,!.;j 0A!Ii lI t JpyIr dn.you aural:nits LH A DUI DgFat:t uod Ott bat id o,i 1,so tor lit tassios,wands. lhatgus uts tallsn ID hit pup!,Fynt,li Di put Aii,inrt. infant-di:int,it tike u .n.2.1.1 ranted on,t skunk fund Trutiddi I trpP it ispsit u,:ount lit nay tightto :hDIDFF y tilt. also instils pioisso the>iyti e IOu t,olhninariattion. Do you assess a Minimum Interest Chante?Yes.A trininuis INTEREST ZHARLiE tit Sia.50,51 t, what if file for 00nkrurl,y1 stnithd ii niikitA:ty pate•tion,this i.otrtrunioa don it ii inlainatian El ling yetis:1pin •Ati,:t liii iiiturest ohurgs. .1y.i titi,it.1 tilt)FA),oarkt...1,.., 7.11i11..W 41 to padrente Aithain sneaking with How did you Calodate the Interest Charlie?We l.11))D i thU2 DIL7 Assiags F.Nily Han,lit•luding tisw yaut tankruphy t0 u:tie:y:3i the Earkinaty 2aurt II you Di)73.i 0UttliyUllil2lAti•-•Altia D•Ji hanktuyty Jain, nutriaddish Linde;thio n•lit daHy loalinnos;tot eaoh FFTI•Flir,1)I•D)U yiroing El 2 OJ J BOX 3 0 2,—•Eisk L•JkFZity,LIT54130-02E5 and add in new luaU'Ui IttlUi1i Ut 3 ths Atiijt intelsot••gs Uti Ir. antn,dly't 111.1 Htiltheti Attim SUMMARY fu/Ai Apw,to:Sq.)i yisynauti aid An that segtin.int as at that day.Nis isoult is lit daily Eaton,it eson ssinrent trowsersi.1 sou What To Do It You Think You Find A Mistake On Your Statenent:It you think there is an end NI yJiI fad T.,Lt insei.o wont",tinny,in lull;DI l pui t CAD U D nswnansadiDllir iant,U...A• tUiti UI yUlthata UI sysaial tadorioire DID WA Ai.;13 the daily talnhes.Also, iutji:ttJZ),Fi),,)Dli iOIUiEiliU2 ittUilU 11:d to the dully tulisises. P.O.F-A 30255 0e0,13 14d:Y. Daily(itilEilUIU I)add ths daily tail,.tAllAh.lit snaoh ii ,and 2)DiviD,th,:iurr t ltLik ih413.0-02S5 the nowt,'ot Jays in thutiiling •;D•ll lt •:„d7:1 the lallassing inturirad .1 Fir YAJI D::.111) At de eid A:soh billing-.side,we detectible rxii IntursA Ching,isSI Al:/),:1)trulEyly yidtAvetags 211 I I ine mspiTed snot ths daily rasrladi:ids:APR disided 355)Id 01 sisgsi sin,and 27 irultrialy 0 lt tyth,wit:.Di ID•ji• A IF whin,sod s , ding rasnad.NOTE:Die to I 2 .1 ut u irininws intsisst things.this i...olation tr ay viny If,inteisn:lags 'El A ior dI rn uessssed. l.111;It u,within Dit,t ituDr uticeixiii Oil pill Ads:nista. Is the-Inlent One"a Payoff Amount?Nu..MI ititiUIUUiiOOIiIUt2 an the Ins at tans statsirsin.Haveirer, ,f u, t itutt,A,isre'hangs,and did, trxt day b day as yiavidsol 'pill indoirer . . ts)rhs.111 l . 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D,02 Fri; d ally tins aid tor any Fn.,0 you ut PSI in drliuiLA.icirpt.1...4.1 a.,Cr punDieta 11 dull tut. DT 4.413C-22T5 I.scut Jueed susysrded NA)fr.) etup toin) t_tzlitt euid atd shouunt,2)tainel all aut.-A, whr, I1 I DFF,y L..the disruted t.tt: ikt,t tirtiyh uot Oil irslit adds er-,4s•heck,.erd 4)cuy yAl ,v)ri ttit,y Murged e mil tell pir Al Ili.RAIN il vs,think pu ow:',Ilan-aunt arid you du nal yay sw.nay a)taniiit truss/at oiriptiold. 'spit y.as dointigissin How do!Make Payments?Al any tire pulp ay pay Mauldin.yarrant flit total unpaid Ain.,DI In tswasn.Niprisinto tray Cr wads in ssasral :.daital La,strypits intour att.pina:y pots:nom:sus Jul■•,17.ti,at c:ra'sa-opiIalsrr'.aa,pr 1/:MUM ty P°'?13 and M2012 ins pea•.),DUM On Pill CapiUrd Die. untol OnIr ti ludstally 1,3isterud tnt onuS Al ti3tat, 21 VD),fa•tpoll,Syst.ty 1-5.0id..555-7070 aid lallasning Thu eahs yrdt•yts.lam pi,Irak,a ihaipi painrsrit through our voits lliFprIte•FrAFW, .Allurie, ASH Di ONODiii:p7.1•Kil wil! Er detited Our air I",r,C apronS hut try to witedium huri 7151 tuck imount an FDDli F, 1,■,,A,tiUl dpi lint; 3):Ain.)DUI tAli:hion,in:,ter l-E.00-555.702,0 and pmeiling pin iliblfrALDI to It tytruil Mudd Le trritlu Or trailing'surer, ra4Jt1 ata the Md..cuition A this-.tete:roc. 1 tir2:72.-; To-change or update your address please call 1-800-258-9319 or visit www.caprtalone.comisolutions rYou have new payment opportunities available.200985 Your account works differently now that it's 7 payments behind and has charged off. Dear Valued Client, You need to know about important changes to your account now that it has charged off. You are still responsible for paying the full balance on your account. If we continue to send you statements,you will receive them quarterly instead of monthly.We may continue to report the status of your account to the credit bureaus, unless prohibited by law.We will also report when your account is paid off. Help is available.The changes to your account include new payment opportunities that may not have been available before. Please review these important changes: 1) Your account is charged off.This is a change in status from past due.You are still responsible for paying your full balance. 2) You won't be charged past due,over limit,or membership fees. 3) You have new payment opportunities available to you now. For instance,we may be able to break your balance up into more manageable payments. Please contact us today at 1-800-258-9319 to find out more about these new opportunities. If a third-party agency is servicing your account,your call will be automatically routed to them. Remember, you can check your balance and make payments any time at www.capitalone.com/solutions. Sincerely, Your Solutions Team Help is available. ® Call 1-800-258-9319 today for more opportunities. 2 Visit www.capitalone.com/solutions to make a payment or check your balance. i { } i. 1 CYCLE # 11 CAPITAL ONE CYCLE FACSIMILE REPORT 12/12/2012 - 01/11/2013 PAGE 2592 ACCT-ID: 10003656105 CARD# 4003447008342661 STMT-TYPE: ENGLISH REWARDS: Y TPC: VP HOLD: 000 SAC-PGM: PREV-BALANCE: $9,901.62 PYMTS&CREDITS : $0.00 INTR CHRGS : $285.37 TRANSACTIONS: $0.00 NEW-BALANCE : $10,186.99 MINIMUM PYMT $2,816.00 LATE FEE $35.00 DUE-DATE : 02/08/2013 CREDIT-LIMIT: 12800 CREDIT-AVAIL 2613.01 CASH-LIMIT : 6400 CASH-AVAIL 2613.01 RPAY-TOTMTHS: 237 RPAY-TOTCOST $15,657.07 36MA-MTHPAY: $347.36 36MA-TOTCOST: $12,505.09 INTEREST-CTD: $250.37 INTEREST-YTD $250.37 FEE-AMT-CTD: $35.00 FEE-AMT-YTD : $35.00 HIGH-LATEFEE: $35.00 HIGH-PNLTY-APR: 29.40% OVERALL-APR: 0.000 CLOSE-DATE . CHRGOFF-DATE: GOB: N MISS-ADDR: N BM-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: 00 MULTI-IND: S PROV-ID: 000001 US PROF-CNTR: 0000000001 COB SERVICE-OWNER: 000022 Prime OL-OPTIN-IND: TBAL C/I BALANCE AMOUNT RATE CORR APR INTEREST CHRGS DENISE E DEYO Purchases 0001 01 10,026.72 00.0805500 0029.400000000 250.37 916 MAPLEWOOD LN Cash Advances 0002 01 0.00 00.0805500 0029.400000000 0.00 ENOLA PA 17025207316 US ACCOUNT BRAND DATA - ODS & SIMS BRND VNR PLCY ID: 00000000000 COST SERV CONT PLCY ID: 00000000000 CPN CAL ID : 0101 RWDS DISPLAY IND: Y BRND NAME BRND LOGO ID: 001 BRND DISPLAY IND: Y NH ALLWD IND : Y CPN CODE : NSC203 MINI CPN CODE: NSMC04 REMIT CPN CODE : NSRCO1 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: NSC320 POINTS CPN CODE : NSC320 TRANSACTION DATA SUMMARY NAME: DENISE E DEYO OUST TYPE: 0 PRINT AREA: 001 NUM OF CREDITS: 00000 AMT OF CREDITS: 00.00 NUM OF PYMTS : 00000 AMT OF PYMTS $0.00 NO CREDIT TRANSACTIONS FOR THIS CYCLE - NAME: DENISE E DEYO COST TYPE: 0 PRINT AREA: 020 NUM OF DEBITS : 00000 AMT OF DEBITS : $0.00 NO DEBIT TRANSACTIONS FOR THIS CYCLE NAME: DENISE E DEYO CUST TYPE: 0 PRINT AREA: 070 NUM OF DEBITS : 00001 AMT OF DEBITS : $35.00 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER 01082013 PAST DUE FEE 35.00 01082013 D N 4003447008342661 NAME: DENISE E DEYO CUST TYPE: 0 PRINT AREA: 090 NUM OF DEBITS : 00001 AMT OF DEBITS : $250.37 TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER 01112013 INTEREST CHARGE:PURCHASES 250.37 01112013 D 4003447008342661 I Capital One® Customer Agreement Welcome to Capital One.0 You may also update some of this information by logging Thank you for opening a credit Card Account with us.This onto your Account on our website or by calling one of our Customer Agreement("Agreement")contains the terms for representatives at the telephone number provided on your your Capital One credit Card. Statement or on the back of your Card.We may require you to provide additional documents that are acceptable to us to Some Definitions. verify this information or any changes.We maintain the right The meanings of the terms you see in italics appear in to restrict or close your Account if your information cannot the Glossary Section.To make the Agreement easy be verified or if you do not provide additional information as to understand,we will also use the following personal requested. i.. pronouns: Credit Limits. "You,""your"and "yourself" mean each applicant and co- When you open your Account,you will receive your credit applicant for the Account;any person responsible for paying limits.These will also appear on your Statements.We might the Account;and anyone You authorize to use,access or also refer to your credit limits as your credit lines.We may give (. service the Account. It also includes an Authorized User as you different credit limits for the different Segments of your defined in the Glossary Section. Account, For example,you might have a different credit limit L "We," "us," "our"and "Capital One"mean Capital One for purchases than for Cash Advances. Bank(USA), National Association;and its agents, authorized representatives,successors,and assignees. You are responsible for keeping track of your Account balances and your available credit limits.Do not allow Account Documents. your Account to go over any credit limit even if you have Your Account with us is governed by the following authorized us to charge you an overlimit Fee for doing so, documents: as described in the Interest Charges and Fees section.We may still honor transactions above your credit limits,but our (1)this document; honoring of these transactions will not increase your credit (2)all Statements; limit. (3) all rewards information and documentation if your Account has rewards; We may also increase, decrease, restrict or cancel your credit (4)any Privacy Notices describing our limitations on sharing limit on any Segment at any time.This will not affect your information about you with others; obligation to pay us. (5)your Card benefits brochure which describes benefits Using Your Account, provided by the Payment Card Network for your Card and 9 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 will take reasonable steps to prevent the unauthorized (8)all other documents and disclosures relating to your use of your Card and Account, Account including those provided online;and (9)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. You may also obtain Cash Advances and Transfers if they are In the future,we might make new offers to you or forward Y Y offers from others that we think you might be interested permitted for your Account. Unless we agree,you may not in.These offers may have new or different terms and use a Transfer to transfer amounts from other Accounts with documentation for these offers will be provided when we us or any other company within the Capital One organization. make you the offer. If you accept the offer,your previously disclosed terms will still apply except as modified by the offer. You must not use,or try to use,the Card for any Internet gambling transactions or transactions that are illegal or not Account Information. permitted by us.You will still be responsible if you do. In We need information about you to manage your Account. addition,these transactions will be subject to this Agreement, The information we need includes: and you might have to reimburse the Payment Card Network and us for all damages and expenses. (1)your legal name; (2)a valid U.S. mailing address and residential address(if From time to time,due to circumstances beyond our control different); (such as system failures,fires,floods, natural disasters or other (3)your date of birth; unpredictable events)our services might be unavailable.When (4)your social security number or other government this happens,you might be unable to use your Card or obtain identification number; information about your Account.We will not be responsible or (5)your telephone number(s);and liable if this happens. (6)your employment and income information. Rewards. You must tell us when this information changes.Please update Your Account might provide you with the opportunity to earn your address in the manner provided on your Statement. rewards.If it does,we will separately provide you with all i I information and terms about our rewards.We will include your request,we will need certain information about the on your Statements all rewards you have earned.It might Authorized User to manage your Account.This will be the take up to two Billing Cycles for your earned rewards to same information you provided about yourself as described appear on your Statement. in the Account Information Section.We may limit an Authorized User's ability to initiate certain transactions. If we Using Your Access Checks. do,we will tell you about these limitations before adding any When we provide you with Access Checks,we will tell you new Authorized User on your Account. whether we will treat them as purchases,Balance Transfers, Cash Advances or Special Transfers. Once we add an Authorized User to your Account,we may discuss your Account with them and provide them Only the person we designate may use Access Checks.Access with Account information.You will be responsible for the Checks may not be used to pay any amount you owe us or Authorized User's use of the Card and your Account as well any other company within the Capital One organization.We as anyone else they allow to use your Card or Account.This may reject and not pay any Access Check for any reason. will be true even if you did not want, or agree to, the use. Some examples of reasons why we may reject and not pay include:your Account is delinquent, charged-off, bankrupt, Removing an Authorized User. lost/stolen or closed;our fraud system prevents the offer If you want to remove an Authorized User from the Account, fulfillment;your Account is overlimit;or the checks have you must contact us as provided on your Statement and expired.Any liability for our wrongful dishonor of an Access request their removal.We will have a reasonable amount of Check will be limited to your actual damages and will not time after your request to research the situation and remove exceed the amount of the Access Check. them.You also must immediately destroy all Cards in their possession and cancel all of their billing arrangements to When you use an Access Check,you will have fewer rights to the Account.We will not do this for you. During this time, dispute merchant transactions than with other uses of your you still will be responsible for all amounts they charge to the ' " Card. Please see the"Billing Rights Summary" part of your Account.You will be responsible even if these amounts do not Statement and your other Truth in Lending Disclosures for appear on the Account until later.An Authorized User may more information. remove themselves from the Account upon request. Stopping Payment of Access Checks. We may close your existing Account and/or issue a new Card You may request a stop payment on any Access Check by with a new Account number. contacting us as provided on your Statement.We may charge you a Fee to stop payment as described in the Interest Your Promise to Pay. Charges and Fees section.If you call us to stop payment,you You promise individually and jointly to pay us all amounts due must also send to us a written request within 14 calendar days. on your Account.This includes amounts where you did not sign a purchase slip or other documents for the transaction. We will have a reasonable amount of time after your stop If you use your Card number without presenting your actual payment request to research the situation and complete it. Card(such as for mail, telephone or Internet purchases), We will not be responsible if we cannot complete the stop this will be treated the same way as if you used the Card payment because the Access Check was already paid,you do in person.If you let someone else use your Card,you are not give us the information we asked for or the information responsible for all transactions that person makes.Your you gave us was incorrect. If we cannot stop payment for promise to pay us will apply to your estate if you die. these reasons,we may still keep the stop payment Fee. Statements. Once we complete a stop payment,we do not have to release We will send you one Statement for all Cards on your the stop payment order unless the same person asks us to. Account unless the law does not require or permit us to If we re-credit your Account after paying an Access Check send a Statement.Statements will be sent at the end of following a valid stop payment order,you give us all of your each Billing Cycle when your Account has a debit or credit rights against the payee or other holder of the paid Access balance of more than $1.00, or if we have charged any Check.You also agree to help us in any actions we might Interest Charges to your Account.Your Statement will show later take against that person. all transactions billed to your Account during the Billing Cycle along with other important Account information. Using a PIN. We may give you a personal identification number(PIN).For Disputed Transactions. security reasons,you might have to provide the PIN before You must inspect each Statement you receive and tell us you are able to complete some transactions using the Card, about any errors or questions you have as described in the"Billing Rights Summary"part of your Statement and With a PIN,you may use your Card to: (1) obtain cash other Truth in Lending Disclosures. If you do not notify us from certain automated teller machines(ATM) or(2) make as provided in those disclosures,we may assume that all purchases at certain merchant or retailer point-of-sale devices information in the Statement is correct. (POS).You may do these things if the ATM or POS requires entry of a PIN and displays the logo of the Payment Card If you dispute a transaction made by you or someone else on Network on your Card.We will treat all ATM transactions as your Account,and we later credit your Account for all or part Cash Advances and all POS transactions as purchases. of the disputed amount,you give us all of your rights against that other person.You also will: You should keep your PIN secure and not write it down,give it to anyone,or keep it with your Card.If you lose your Card or (1)give us any merchandise or other purchases you received believe that someone has gained unauthorized access to your in connection with the disputed amount if we ask; PIN,you must contact us immediately. (2)not pursue any claim or reimbursement from the merchant and that other person;and Authorized Users. (3)help us pursue and get reimbursement from the merchant You may ask us to add one or more Authorized Users and that other person;your help includes giving us with additional Cards on your Account. If we agree to documents that we ask for and that are acceptable to us. . Interest Charges and Fees. Merchant Refunds. We will charge Interest Charges and Fees to your Account as If you are entitled to a refund for goods or services purchased disclosed to you in your Statements and other Truth in Lending with your Card,you will accept these refunds as credits to the Disclosures. In general,Interest Charges begin to accrue from purchase Segment of your Account.We do not control when a the day a transaction occurs. However,we will not charge you merchant sends us your refund.We will also have a reasonable interest on any new balances posted to the purchase Segment amount of time after we receive your refund to process it. of your Account provided you have paid your previous balance in full by the due date. Minimum Payment. We will treat the following Fees as purchase transactions unless Your Statement will provide instructions for making payments, otherwise specified below.These Fees apply to your Account including the amounts due and the due date for receiving only if they are provided in your Truth in Lending Disclosures. your payment.If applicable,your Statement will also include a We may increase your interest Charges and Fees as described in minimum payment amount.To avoid a late payment Fee,you the Changes.to Your Agreement section or in your Truth in must pay us at least this minimum payment amount by the due Lending Disclosures. date provided in the Statement. If you have agreed to incur Fees for going over your credit limit, be aware that paying only the • Membership Fee.We may charge you this Fee as early as minimum payment amount might not be enough to avoid an your first Billing Cycle or the first Billing Cycle after this Fee overlimit Fee. becomes effective. if it is an annual fee,we may then charge In addition to.the minimum payment,you may pay all or part it approximately once per year. If it is a monthly Fee,we may of the total balances on your Account. However,you must still charge it once in each Billing Cycle.This Fee is payable in pay at least the minimum payment amount each month,even if advance even if you do not use your Account. you paid greater than the minimum on the previous Statement. We will continue to charge Interest Charges during Billing Cycles j • Late Payment Fee.We may charge you this Fee if we do not when you carry a balance regardless of whether your Statement I receive your payment in time for us to credit it by the due date includes a minimum payment that is due. If your Account is 180 shown on your Statement. days past due, part of a bankruptcy proceeding or otherwise charges off,the entire balance is immediately due and payable. • Overlimit Fee. If you agree,we may charge you this Fee when a transaction causes you to go over or remain over any of your Making Payments. credit limits during any Billing Cycle.We may also charge you Your payments must be in U.S. dollars from a U.S deposit two additional Fees if your balance remains over your credit account and otherwise be acceptable to us.We do not accept limits as of the payment due date in future Billing Cycles.You cash payments through the mail.You may not make payments will only pay one Fee per Billing Cycle, even if you go over your with funds from your Account or any other credit account with limit multiple times in the same cycle. us or any other company within the Capital One organization. • Returned Payment Fee.We may charge you this Fee each time Mailed Payments. any payment you make to us is not paid by your financial You must mail payments to us at the address provided on your institution for any reason, even if that institution later pays it. Statement or as otherwise instructed by us or our agents.We will credit it to your Account on the day we receive it, if: • Returned Access Check Fee.We may charge you this Fee if we do not pay an Access Check for any reason, including when (1)you send the payment coupon included with your Statement your Account is in default, overlimit, suspended or closed. in the same envelope with your payment; • Stop Payment Fee.We may charge you this Fee each time you (2)you include your Account number on your payment;and request us to stop payment on an Access Check or you renew an existing stop payment order as provided in the Stopping (3)your payment arrives at the address indicated on the Payment of Access Checks section. payment coupon in our processing center by the time indicated on your Statement. • Copying Fee.We may charge you a per-page Fee for copies of transaction documents or Statements unless they are required If your due date occurs on a day on which we do not receive in resolving a billing dispute. payments,any payment received the next day which conforms to the above requirements will not be treated as late. • Cash Advance Fee.We may charge you this Fee each time you obtain a Cash Advance.This Fee will be treated as a Cash Please allow at least 7 days for postal delivery. Unless we or our Advance transaction. agents specifically instruct you to remit payment in a different manner, payments received at any other location or in any other • Transfer Fee.We may charge you this Fee each time you form might not be credited for up to 5 days.This might cause obtain a Transfer.This Fee will be treated either as a Special you to be charged late payment Fees and additional Interest Transfer or purchase transaction depending on the Segment in Charges. which the Transfer posts. Faster Payment Services. Transactions Made in Foreign Currencies. We may make services available that allow you to make faster If you make a transaction in a foreign currency,the Payment payments through a customer service representative using Card Network will convert it into a U.S.dollar amount. a telephone,the Internet or other payment system.We will The Payment Card Network will use its currency conversion describe the terms for using these services before you use them, procedures in effect when it processes the transaction.The You do not have to use these other payment services, and we conversion rate in effect on the processing date might differ may charge you a Fee for using them. If we do,we will tell from the rate in effect on the transaction or posting date.We you the amount of the Fee at the time you request the service. do not currently adjust the currency exchange rate or charge any We are not responsible if a payment made using our payment additional currency conversion Fees. services is rejected or not paid. Even if it is,we may still 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. you made it.We may refuse to accept any payment made by (6)we determine that you made a false, incomplete someone else for your Account. If we accept a payment made or misleading statement on any of your Account by someone else for your Account,you will be responsible documentation, or you otherwise tried to defraud us; for the payment made even if that payment is rejected or not (7)you do not comply with any term of this Agreement or paid. any other agreement with us; or (8)you permanently reside outside the United States. Payment Processing. We may accept and process payments without losing For certain actions,including changing the rates and Fees any of our rights. Even if we credit your payment to your on your Account,our options appear in our original offer Account,we may delay the availability of credit until we materials when you opened your Account.Remember,paying confirm that your payment has cleared.We may resubmit the Fees charged in connection with a default will not by itself and electronically collect returned payments.We may also cure the default. In addition,if you are in default,we may take adjust your Account as necessary to correct errors,to process the following actions without notifying you,unless the law says returned and reversed payments, and to handle similar issues. that we must notify you: When you provide an Item as payment,you authorize us (1)close or suspend your Account; either to use information from your Item to make a one time (2) lower your credit limits; .-.. electronic fund transfer from your deposit account or to (3)increase your minimum payment; process the payment as an Item.We will provide additional (4)demand that you immediately pay the entire balances information about this process on your Statement or other owing on your Account(for example, as described in the documents we send you before your payment.You may Minimum Payment section); contact us and ask that we not process your future Items in (5) continue to charge you interest Charges and Fees as long this way. as your balances remain outstanding; and/or (6) pursue any other action against you that the law allows, When you provide an Item as payment, it might also be which includes the filing of a lawsuit against you. converted into an electronic image and collected and returned You must pay us all of our collection expenses, attorneys'fees electronically.These electronic images may also be converted and court costs unless the law does not allow us to collect to substitute checks:We will not be responsible if an Item you these amounts. provide has physical features that when imaged result in it not being processed as you intended. Communications. 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"); Items with Restrictive Words, Conditions (3)contact you at your home and at your place of or Instructions. employment; All Items that have restrictive words,conditions,limitations (4)contact you on your mobile telephone; or special instructions added (including Items marked (5)contact you at any time, including weekends and holidays; 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. contacts with you about your Account are not unsolicited Credit Balances. and might result from information we obtain from you or We may reject and return to you any payment that creates a others.We may monitor or record any conversation or other credit balance on your Account.Any credit balance we allow communication with you.Unless the law says we cannot, will not be available until we confirm that your payment has we may modify or suppress caller ID and similar services cleared.We may reduce the amount of any credit balance by and identify ourselves on these services in any manner any new amounts billed to your Account.You may contact us we choose.When you give us or we obtain your mobile as provided on your Statement and request a refund of any telephone number,we may contact you at this number using available credit balance. If you contact us in writing,we will an Autodialer and can also leave prerecorded and other refund your credit balance within 7 Business Days from our messages.We may do these things whether we contact you receipt of your written request. or you contact us. Account Default. If you ask us to discuss your Account with someone else,you We may consider you in default of your Agreement with us if: must provide us with documents that we ask for and that are acceptable to us. (1)you do not make any payment when it is due; (2)any payment you make is rejected, not paid or cannot be Credit Reports. processed; We may provide information about you and the Account to (3)you exceed a credit limit; consumer(credit) reporting agencies and others as provided (4)a bankruptcy or other insolvency proceeding is filed by or in our Privacy Notices. Information we provide might appear against you; on our and the Authorize Users'credit reports.This could (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 and income information about you from consumer(credit) period for all provisions and purposes under this Agreement reporting agencies and others as the law allows. (including the right to collect debt)will be the longer period provided by Virginia or the jurisdiction where you live.If any Closing or Suspending Your Account. part of this Agreement is found to be unenforceable,the 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 We may close or suspend your Account and your right to other actions not listed in this Agreement if the law allows obtain credit from us.We may do this at any time and for them.You do not have to receive notice from us of any any reason, permitted by law,even if you are not in default. waiver, delay, demand or dishonor.We may proceed against A suspension of your Account might be permanent or you before proceeding against someone else. I temporary. Assignment. (- If your Account is closed or suspended for any reason,you This Agreement will be binding on, and benefit,any of your ' must stop using your Card.You must also cancel all billing and our successors and assigns. arrangements to the Account.We will not do this for you. If we close or permanently suspend your Account,you must You may not transfer your Account or your Agreement to also destroy all Cards.You must still pay us all amounts you someone else without our written permission. owe on the Account,even if they are charged after your Account is closed or suspended. We may transfer your Account and this Agreement to another company or person without your permission and Lost or Stolen Card. without prior notice to you.They will take our place under You will take reasonable steps to prevent the unauthorized this Agreement.You must pay them and perform all of your use of your Card and Account. If your Card is lost or obligations to them and not us.If you pay us after you are stolen or if someone else might be using it without your informed or learn that we have transferred your Account or permission,you must tell us at once.You may tell us by this Agreement,we can handle your payment in any way calling the telephone number on the back of your Card or we think is reasonable.This includes returning the payment on your Statement or by writing us at the address on your to you or forwarding the payment to the other company or Statement.You will not be responsible for charges made to person. your Account that are found by us to be unauthorized. If we reimburse your Account for unauthorized charges made Glossary. using your Card,you will help us investigate, pursue and •"Access Check" means any check we send to you to access get reimbursement from the wrongdoer.Your help includes your Account.We may also refer to an Access Check as a giving us documents that we ask for and that are acceptable "convenience check" or a"purchase check." to us. •'Account" means your Card Account with us. Changes to Your Agreement. At any time,we may add,delete or change any term of this •"Authorized User"means one or more persons who may Agreement unless the law prohibits us from doing so.We will use the Card but is not responsible for the repayment of the give ou notice of any changes as required by law. If we do Account. notify you of changes,we will send you a separate notice or inform you on your Statement.We may send this notice to •"Balance Transfer"means a Transfer posted to the `• you electronically as permitted by law. Our notice will tell you purchase Segment of your Account unless otherwise when and how the changes will take effect and describe any described in your Truth in Lending Disclosures. rights you have in connection with the changes. •"Billing Cycle"means a period of time that might vary Your variable Annual Percentage Rates(if applicable)can go in length but is approximately 30 days.The specific period up or down as the index for the rate goes up or down. If we of time is described on each Statement. However,you will increase your Interest Charges for any other reason we will have a Billing Cycle even if a Statement is not required. notify you in writing.If we increase your Fees or other terms We will often specify a Billing Cycle by the month in which of your Account we will notify you in writing and inform you its closing date occurs as provided on the Statement. For of your options in advance, including the right to opt out of example, a "March Billing Cycle"will have a closing date . some of these changes. in March.We may also refer to a Billing Cycle as a"Billing Period." If your Account balance has charged off,we may We may increase your Interest Charges for new transactions switch to quarterly Billing Cycles to your Account. and your Fees after the first year of the Account.Also, if your payment is not received within 60 days after the payment •"Business Day" means any day in which Capital One's due date,we may increase your Interest Charges and Fees for offices are open for the processing of payments and credits. existing balances and new transactions at any time.We may change any other terms of your Account at any time. •"Card"means any Capital One credit Card associated with your Account,which includes all renewals and substitutions.It also The Law that Applies to Your Agreement. means any other access device for your Account we give you We make decisions to grant credit and issue you a Card from that allows you to obtain credit,including any Account number our offices in Virginia.This Agreement will be interpreted using and any Access Check. Virginia law. Federal law will be used when it applies. You waive any applicable statute of limitations as the law •"Cash Advance"means using the Card to obtain loans allows.Otherwise,the applicable statute of limitations in cash or things we consider cash equivalents. Cash ti . equivalents include wire transfers,travelers'checks, money orders,foreign currency lottery tickets,gaming chips and wagers. Cash Advances are posted to the Cash Advance Segment of your Account and not to your purchase Segment. • •"Fees"means charges imposed on your Account that are not based on the Annual Percentage Rates. • •"Interest Charges"means any charges to your Account based on the application of Annual Percentage Rates. • •"Item"means a.check, draft, money order or other negotiable instrument you use to pay your Account.This includes any image of these instruments.This does not include an Access Check. •"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 we may establish that are subject to unique pricing, grace periods or other terms.We create these parts of your Account for such things as your purchases, Cash Advances and Special Transfers. •"Special Transfer"means a Transfer posted to the Special Transfer Segment of your Account and not to your purchase Segment. •"Statement"means a document or information we • provide to you showing Account information including, . . among other things,transactions made to your Account during a Billing Cycle.We might also refer to your Statement as a"Periodic Statement"or a"Billing Statement." •"Transfers" means balances transferred from other Accounts to this Account and includes Balance Transfers and Special Transfers. •"Truth in Lending Disclosures"means any Account information we provide to you that is required by the federal Truth in Lending Act and Regulation Z.These include your application and solicitation disclosures,Account opening disclosures, subsequent disclosures,Statements and change in terms notices. Capita *2010 Capital Cora Capital Orti is a federally mistesd serAce mark All rights t r - RV600157 M-99488 BR i 65892 cc.r C.cstataa kg_rxmar:O25 Ii • IN THE COURT OF COMMON PLEAS OFT THE P R O I H O O I�A fit`t CUMBERLAND COUNTY,PENNSYLVANN ov ..7 Ali f; 2 CAPITAL ONE BANK(USA),N.A., CIVIL DIVISION CUMBERLAND COUNTY PENNSYLVANIA Plaintiff : vs. DENISE E DEYO, : NO: 13-6405 CIVIL TERM Defendant CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that I caused a true and correct copy of Plaintiff's Complaint was served via first class United States Mail, postage prepaid on the date set forth below upon the following: DENISE E DEYO 916 MAPLEWOOD LN ENOLA PA 17025-2073 Edwin A. Abrahamsen&Associates, P.C. Date:November 5, 2013 By:Ai Michae F. Ra chford, E• uire Attorney I.D.Nos.: 86 :5 120 N Keyser Avenu- Scranton, PA 18504 ; (570) 558-5510 John M. Kerr, Esquire 11 t u John M. Kerr Law, P.C. s{13 NOY 12 Al 6: I 5020 Ritter Road Suite 104 Ai P£Nt� YLVAN A N Mechanicsburg, PA 17055 Telephone: 717-766-4008 Facsimile: 717-766-4066 kerrlaw @comcast.net CAPITAL ONE BANK, : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA • • v. : NO.: 2013-6405 : CIVIL DENISE DEYO, • Defendant AFFIDAVIT OF SERVICE I, John M. Kerr, Esquire, hereby verify that I served a true and correct copy of the Notice of Appeal upon The Honorable Richard S. Doughtery, Magisterial District 09-1-03 by United States Postal Service, first class mail, postage prepaid, certified, on the first day of November 2013. The return receipt signed by the Defendant is attached hereto; and I hereby verify that I served a true and correct copy of the Notice of Appeal upon Michael F. Ratchford, Esquire, Attorney for Plaintiff, Capital One Bank, by United State Postal Service, first class mail, postage prepaid, certified on the 5th day of November 2013. I verify that the statements made in this Affidavit are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C. S. § 4904 relating to unsworn falsification to authorities. Respectfully submitted, JOHN M. KERR LAW, P.C. November 8, 2013 Joh . Kerr U.S. Postal Service, CERTIFIED MAIL,, RECEIPT m (Domestic Mail Only;No Insurance Coverage Provided) m .-n For delivery information visit our website at www.usps.come ca t,a .tr !M � t 1 Postage o 1 Certified Fee t7 Postmark Return Receipt Fee 1-0 Here O (Endorsement Required) \J\ O Restricted Delivery Fee $0,00 (Endorsement Required) o $6.11 10/31/2013 .A Total Postage&Fees 0 Sent To m nc>c cLN)\A c t_r\ata,c ok-Lt_)\ • S(reQt App No.; Erm (N,\ \u-_�. • City,State,ZIP+4 � ?-f==.?-f==. r J�cam. PS Form 3800..August 2006 See Reverse for Instructions NDER: COMPLETE THIS ',E C`TLON �_{' t S t c)r. DE•I,I I• • Complete items 1,2,and 3.Also complete item 4 if Restricted Delivery is desired. Agent • Print your.name and address on the reverse Addressee so that we can return the card to you. v-:��. (Pdnte•Name C. Dat of r el • Attach this card to the back of the mailpiece, or on thetront if space permits. �� -r4 Is delivery address different from item 1? ❑Yes 1. Article Addressed to: If YES,enter delivery address below: ❑No ` • A- U�� c als c °\C ct r c� 0. CThr rvice Type 1 Certified Mall ❑Express Mall \_\p /I]Aegisteted 0 Return Receipt for Merchandise ❑Insured Mall 0 G.O.D. 4. Restricted Delivery?(Extra Fee) 0 Yes 2. Number um N Article N (Tracleummservicelebeit) 7013 0600 0000 0845 8633 .1, PS=Form 3 i,'I etkjrjti[p r?2004'. Dorjrestic Return Receipt 102595-02-M-1540 U.S. Postal ServiceTM ru CERTIFIED MAILTM RECEIPT (Domestic Mail Only;No Insurance Coverage Provided) a. -D For delivery our website at www.usrs.cork, 00 , LS) .... , re Postage 11111MN f ILI' CI 1 Ce 0 11 rtified Fee _ C3 . ■ C3 Return Receipt Fee $2.55 ,• 4 ark / O (Endorsement Required) ere 1:3 Restricted Delivery Fee $0,00 , (Endorsement Required) C:3 C..:1:31 Total Postage&Fees $ $6.11 10/3112013 , Sent To Y rn c\\ \C r,---A C\:-R(5.:\- r Street,Apt.No.; ;:-,..' or POliogoo "1/4-MC_c\- City,State,ZIP+4 PS Form 3800.August 2006 See Reverse for Mstructmes ,,,,,-,t f It 7,--W-•`,E, CNDEP, cor,7PL: It 'Hi' f -,1' a Complete items 1,2,and 3.Also complete A. Signet,r: item 4 if Restricted Delivery is desired. Ara 0 Agent •II Print your name and address on the reverse .4ii,K,..4.1.1 4/ / 0 Addressee so that we can return the card to you. B. Received by Printed N; e) C.pate of Delivery 111 Attach this card to the back of the mailpiece, . t. 1L!...A". 5- or on the front if space permits. / 1.Is delivery 1 //[address different from item 1? 0 Yea 1. Article Addressed to: if YES,enter delivery address below: 0 No Q-ANA)N-y-N CA VAcjec..*_\\-Qk-cc■-... r0.4--- ,,,,-. , . 0 Nc\c, c\--■,--,\ _,,. .__s,,-- c\-_, , 0 - Service Type • - , ed Mail 0 Express Mall 0 Registered 0 Return Receipt for Merchandse c___)C.)--e--13,---c-■:\"25 .(-\R c5S0,1 0 Insured MEd 0 C.O.D. 4. Restricted Delivery?()dra Fee) CI Yes ----r- 2. Article Number 7013 0600 0000 0845 8626 (Transfer from service label) 1 PSlibrin 3811,Februsty 2004, i= , Domestic Return Receipt 102595-02-M-1540