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HomeMy WebLinkAbout13-6774 Supreme Co- ennsylvania COU Ohn0 leas For Prothonotary Use Only: 1 Docket No: CU County ' l I ip The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required by law or rules of court. Commencement of Action: El Complaint ® Writ of Summons ® Petition S ® Transfer from Another Jurisdiction ® Declaration of Taking E Lead Plaintiff's Name: Lead Defendant's Name: C . CAPITAL ONE BANK (USA), N.A. ANGELA R MURPHY T Dollar Amount Requested: Swithin arbitration limits I Are money damages requested? IM Yes ® No (check one) [3outside arbitration limits .O N Is this a Class Action Suit? ® Yes EM No Is this an MDJAppeal? E3 Yes 0 No A Name of Plaintiff /Appellant's Attorney: ROBERT L. BAROSKA, III, ESQUIRE ® Check here if you have no attorney (are a Self - Represented [Pro Se] Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ® Intentional ® Buyer Plaintiff Administrative Agencies ® Malicious Prosecution IM Debt Collection: Credit Card ® Board of Assessment ® Motor Vehicle 11 Debt Collection: Other [3 Board of Elections ® Nuisance [3 Dept. of Transportation ® Premises Liability ® Statutory Appeal: Other S ® Product Liability (does not include E mass tort) [3 Employment Dispute: Slander/Libel /Defamation Discrimination ® C ® Other: ® Employment Dispute: Other ® Zoning Board ®Other: T , . I ® Other: O MASS TORT ® Asbestos N ® Tobacco ® Toxic Tort - DES ® Toxic Tort -Implant REAL PROPERTY MISCELLANEOUS ® Toxic Waste ® Other: (3 Ejectment [3 Common Law /Statutory Arbitration B ® Eminent Domain /Condemnation [3 Declaratory Judgment ® Ground Rent ® Mandamus ® Landlord/Tenant Dispute ® Non- Domestic Relations © Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABLITY ® Mortgage Foreclosure: Commercial Q1 Quo Warranto ® Dental ® Partition ® Replevin ® Legal ® Quiet Title ® Other: ® Medical ® Other: ® Other Professional: Updated 1 /1/2011 ROBERT L. BAROSKA, ESQUIRE i g, i ` NUDELMAN, KLEMM & GOLUB, P.C. its ; t iE ��j� c' QT�Qr����}{�� 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 l0 "3 r� 1 S PH „3 973 - 618 -0000 ID # 306728 t ' j A' , - - � , . �. IRQRRI�AINTIFF r - rt I CAPITAL ONE BANK (USA), N.A. CUMBERLAND COUNTY Plaintiff(s) V. ANGELA R MURPHY l , v t Defendant(s) COMPLAINT IN CIVIL ACTION NOTICE AVISO YOU HAVE BEEN SUED IN COURT. If you wish USTED HA SIDO DEMANDADO /A EN CORTE to defend against the claims set forth in the following Si usted desea defenderse de las demandas que se pages, you must take action within twenty (20) days presentan mds adelente en las siguientes pdginas, debe after this Complaint and Notice are served by entering tomar acci6n dento de los pr6ximos veinte (20) dias a written appearance personally or by attorney and depuds de ]a notificaci6n de esta Demandaly Avios filing in writing with the Court your defenses or radicando personalmente o por medio de un abogado una objections to the claims set forth against you. You comparecencia escrita y radicando en ]a Corte por escrito are warned that if you fail to do so the case may sus defensas de, y objecciones a, las demandas presentadas proceed without you and a judgment may be entered aqui en contra suya. Se le advierte de que `si usted falla de against you by the Court without further notice for tomar acci6n como se describe anteriormente, el caso any money claimed in the Complaint or for any other puede proceder sin usted y un fallo por cualquier suma de claim or relief requested by the Plaintiff. You may dinero reclamada en la demanda o cualquier otra lose money or property or other rights important to reclamaci6n o remedio solicitado por el demandante puede you. ser dictado en contra suya por la Corte sin mds aviso adicional. Usted puede perder dinero o propiedad u otros derechos importantes para usted. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A USTED DEBE LLEVAR ESTE DOCUMENTO A SU LAWYER, GO TO OR TELEPHONE THE OFFICE ABOGADO INMEDIATAMENTE. SI USTED NO SET FORTH BELOW. THIS OFFICE CAN PROVIDE TIENE UN ABOGADO, LLAME O VAYA A LA YOU WITH INFORMATION ABOUT HIRING A SIGUIENTE OFICINA ESTA OFICINA PUEDE LAWYER. PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. IF YOU CANNOT AFFORD TO HIRE A LAWYER, SI USTED NO PUEDE PAGAR POR LOS SERVICIOS THIS OFFICE MAY BE ABLE TO PROVIDE YOU DE UN ABOGADO, ES POSIBLE QUE ESTA WITH INFORMATION ABOUT AGENCIES THAT OFICINA LE PUEDA PROVEER INFORMACION MAY OFFER LEGAL SERVICES TO ELIGIBLE SOBRE AGENCIAS QUE OFREZCAN SERVICIOS PERSONS AT A REDUCED FEE OR NO FEE. LEGALES SIN CARGO O BAJO COSTO A PERSONAD QUE CUALIFICAN. Cumberland County Bar Association Cumberland County Bar Association 32 South Bedford St 32 South Bedford St 'lam b3,75 Carlisle, PA 17013 Carlisle, PA 17013 a \KA / (800) 990 -9108 (800) 990 -9108 0 T� c.&999 agsa�; r Nudelman, Klemm, & Golub, P.C. Attorney(s) for Plaintiff (NN 123390) 425 Eagle Rock Avenue - Suite 403 Roseland, NJ 07068 (973) 618 -0000 [tel.] (973) 618 -0647 [fax] CAPITAL ONE BANK (USA), N.A. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA vs. DOCKET NO. ANGELA R MURPHY COMPLAINT IN CIVIL ACTION AND NOW, comes Plaintiff, CAPITAL ONE BANK (USA), N.A., by and through its counsel, Robert L. Baroska 3rd, Esquire, and the law offices of Nudelman, Klemm & Golub, P.C., and respectfully submits the following Complaint in Civil Action and in support thereof aver as follows: 1. Plaintiff, CAPITAL ONE BANK (USA), N.A. (hereinafter "Plaintiff'), is a foreign business corporation located at 15000 Capital One Drive, RICHMOND, VA. Pursuant to 15 Pa. C.S.A. § 4122, "a foreign business corporation shall not be considered to be doing business in this Commonwealth for the purposes of this subchapter by reason of carrying on in this Commonwealth any one or more of the following acts ... (8) [s]ecuring or collecting debts or enforcing any rights in property securing them [or] (9) [t]ransacting any business in interstate or foreign commerce." 2. Defendant, ANGELA R MURPHY (hereinafter "Defendant ") , is an adult individual and citizen of the Commonwealth of Pennsylvania, who is believed to currently reside at 11 MIDLAND DR, MOUNT HOLLY SPRINGS PA 17065 -1828. 3. On or about May 24, 2001, the Defendant applied for an open -ended credit account from Plaintiff. COUNT 1 - BREACH OF CONTRACT 4. Paragraphs 1 through 3 are incorporated by reference as if set forth in full herein. 5. Plaintiff submitted an offer to the Defendant for an open -ended credit account by providing the Defendant with an access device bearing an account number: ************8062 (hereinafter "Credit Card "), truth -in- lending disclosures, and an initial customer agreement/ terms and conditions. The parties agreed that the customer agreement/ terms and conditions would be modified from time to time with acceptance of any modification expressly conditioned on use of the credit card. 6. Defendant accepted this credit card by signing the back of the card, using the card for transactions, or calling Plaintiff to activate the card. 7. Subsequent to the receipt of the credit card, Defendant utilized the open -ended account to his/ her benefit by authorizing transactions to include but not be limited to balance transfers, merchant purchases, and/ or cash advances. 8. Upon Defendant's initial use of the credit card and every subsequent month thereafter, Plaintiff delivered account statements to the Defendant which illustrated the substance of each and every transaction, adjustment, credit, debit, interest accrual and fee from the prior billing cycle. The account statements included additional information and terms relevant to the open -ended account, which Plaintiff required Defendant to accept for continued access and use of the credit card. 9. Defendant would remit a monetary sum certain to the Plaintiff as required in said account statements. 10. Defendant failed to pay as agreed, despite an outstanding balance remaining on the open - ended account. Plaintiff permitted Defendant an opportunity to cure the default by making payment as agreed. 11. On April 8, 2013, the Plaintiff charged off the open -ended account with an existing unpaid balance in the amount of $32,870.83. On this date of charge -off, the Defendant breached the written agreement between the parties as the Plaintiff would no longer accept partial payment on the open -ended account. The writing(s) upon which Plaintiff claim against the Defendant is based are attached hereto as Exhibit 'A' and incorporated herein by reference. 12. The Plaintiff suffered monetary damages as a result of Defendant's breach of the written agreement between the parties. Plaintiff has duly executed an affidavit concerning Defendant's charged -off account, a true and correct copy of which is attached hereto as Exhibit 'B' and incorporated herein by reference. WHEREFORE, Plaintiff demands Judgment in its favor and against the Defendant in the amount of $32,870.83 plus all court costs expended in prosecuting this action, as well as any other relief This Honorable Court deems just and proper. The damages requested are less than the maximum amount for compulsory arbitration as set by This Honorable Court. COUNT 2 - BREACH OF ACCOUNT STATED (Pled in alternative) 13. Paragraphs 1 through 12 are incorporated by reference as if set forth in full herein. 14. Defendant utilized the open -ended credit account to his/ her benefit by authorizing transactions with his/ her credit card. In authorizing these transactions Defendant and Plaintiff had the understanding that all transaction would be initially paid for by the Plaintiff, but would be repaid as set forth in the following account statements. 15. Plaintiff received authorizations for all transaction that Defendant made and subsequently reimbursed merchants on Defendant's behalf for said transactions. 16. Based on these received authorizations and transactions, Plaintiff would generate account statements, review and deliver them to the Defendant which Plaintiff believed to include the substance of each and every transaction, adjustment, credit, debit, interest accrual and fee from the prior billing cycle. 17. Defendant received and reviewed the monthly account statements, which Defendant believed to be a true and accurate accounting ledger of the prior billing cycles transactions. 18. Defendant had an opportunity to dispute with the Plaintff any wrongful transactions which he/ she did not authorize. 19. Based on these account statements, Defendant would remit a monetary sum certain to the Plaintiff as required in said account statements. 20. Defendant failed to pay even the minimum payment as the monthly account statements required, notwithstanding that an outstanding balance remained on the open -ended account. Plaintiff permitted Defendant an opportunity to cure the default by making payment as agreed. S 21. On April 8, 2013, the Plaintiff charged off the open -ended account with an existing unpaid balance in the amount of $32,870.83. On this date of charge -off, the Defendant breached the account as stated between the parties. The writing(s) upon which Plaintiffs claim against the Defendant is based are attached hereto as Exhibit 'A' and incorporated herein by reference. 22. The Plaintiff suffered monetary damages as a result of Defendant's breach of the account as stated between the parties. WHEREFORE, Plaintiff demands Judgment in its favor and against the Defendant in the amount of $32,870.83 plus all court costs expended in prosecuting this action, as well as any other relief This Honorable Court deems just and proper. The damages requested are less than the maximum amount for compulsory arbitration as set by This Honorable Court. i Respectfully submitted: Nudelman, Klemm, & Golub, P.C. ! NOV ] ,2.2012 Robert L. Baroska 3rd, Esquire PA Attorney ID: 306728 425 Eagle Rock Ave. Suite 403 Roseland, NJ 07068 (973) 618 -0000 E c I CAPITAL ONE BANK (USA), N.A., Plaint V. ANGELA R MURPHY Defendant(s). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that I am an employee of Capital One Services, LLC, and agent and affiliate of CAPITAL ONE BANK (USA), N.A., Plaintiff herein, that I am duly authorized to make this Verification, and that the facts set forth in the attached Affidavit are true and correct to the best of my knowledge, information and belief and is based upon information which Plaintiff has furnished to counsel. 1 understand the attached Affidavit will be incorporated by reference into the Complaint in Civil Action filed in this matter. The language in the Complaint is that of counsel and not of Plaintiff. To the extent that the contents of the Complaint are that of counsel and are relevant to this Verification, Plaintiff has relied upon counsel in making this Verification. { Dated: �U oe C A � Lola Buafo N00000042197895 960945186 A070 NUDELMAN, KLEMM & GOLUB, P.C. N00000042197895 EXHIBIT A v oa. u .. V C `� ° w ! ti � o CI'R["{ { [I _ll +l � tY17{[ {IC l�l�[iR► krr [edwow 4 a G any d ��ijio�l� a.qj� Q N O I want a tow 3.9% introductory APR on all purchases This Offer 'Expires: 'June 20, 2001 YE S? and transferred balances until November 2001 and a To non ea 9.9% fixed APR thereafte pMba prarlda as IrMermatlon rapeaarod. Plop PAaI tinny Ira 4Ld eY4lata ML Social Secudty Number Date of.Wrth, [,(We) have read the Important Disclosures and Miscellaneous Information enclosed and agree to be bound as specified therein. You are authorized to check m yj_ eredit and employ mploy hWa _ sign Date Nome Phone t7otaf Annual Household Income (ses rnaamol U-Applicentmuer eraraep4d lauo.j Dale E•maHAddress Co•finlicam First and last Name Co- Appicant Social Security Number chaeeaaotsaNUm 472b34.9963708 004 404 eraena s if fl eta eaare s n hecemn. Angela R. Murphy 19 Eastwick:€r- L0.nG 1430 Catl'isle, PA 17013 -7655 If Prone dotage em afro MCI& • �f ,vias.s fit. rJ[41tt;��ai - ' /Yl / /R''fM' �TJfflfll�Ji: lJlff l�'l otrli „ I Simply complete this form to start saving with this low introductory rate. We'll take care of the rest. Mardmum total � Intro APR until + 1 uans(er aM= will Ex based on your approved credit line.'Minimum trazufer amount Is $50. - there is no fee for this 310 November 200.1 service. Plus you can earn up to 3,000'bonus miles. _ Pin" PM drolly In birth Ilk Mel It 1) Caib/Loan Issuer U-• S nR O . Account Number _ _ _ - j J i J J Paymen A "" Specific i City .Fndi80 State NM ZIP 691 — ntToPay $ J MY Od O-JoJ I 2) card/Loan issuer Account Number J J J J J) -i J J J J J J J J J J J J -J Paymem Address Specific City State ZIP Amount To Pay $ J J,, J J _j . J J i Don't forget, in addition to credit card balances you can also transfer'balances from higher - rate loans — student loans, auto loans, etc. 3) Ca'rd/Loa issuer Account Number Payment Address Specific, CRY state, - - ZIP Amount To Pay $ J J, J J J..J J 4) Card/Loan Issuer Account Number Payment Address Specilic city State ZIP _ Amount To Pay $ J J J J J. J J Help as process your trarMor requests faster by toflonlap,thesa tioldefinm - - (1) Ust the most Important transfer first. 1 4 14 (2)'Por Card/Loan Issuer, Ust'the financial institution (not yourself,: Mastercard* or Visa). (3) Continue to make your payments on these accounts until the paymen'for the transferred amount appears on your other:lssuees statement Welcome to Capital One .........................•.. ........_.....................t Some Definklons ................................................ ........ . .......... I A ccount Documents .......... .4 ............. __ .................................. I New Offers ................ ...... . . . ........... ........................... 1-2 N Acco Information ............. . . . ................ . ..... 2 Your Revolving Credit Une and ends 2-3 Using Your Account ................................ .. ......_...._................3 Rewards ........ ................ .................. .... ....... 34 Wing Your Access Checks .................................. ...............A Slopping Payment of Amns Chedcs . ............... ..... Usinga PIN.—.-.4,.-...-..,.4..--.-.,..—,.4.. .. ..............................5 Authorized Users .... ............ . ................ ................. Removing an Authorired User ....................... ................ ... S-G Your PtOMJSe to Pay ............................._. ._...... ._.._.._.__...._._..._6 Statements ................................................. .. __ ........ _.6 DisWted Transactions; ......... ..... . ................ 6-7 Interest Ch kwd � ­­_'­­­ ....... ­­..­-_­.... 7-8 Transactions Made in Foreign Currencies ....... . . ......... . .... No VWarranties ................... . ...... ............... ....... ...... Merchant Refunds _......._ ...................... .... I ... . ...... Minimum Payment ......... .............................................. 8-9 Making Paymmis. .............: w. :.............................. Mailed Payments ................ ........:_...... ........._................. -10 Faster Payrmt 10 Payment Processing .......... .................... ................ ..........10.11 How We Appily Your Paymem ........... .. . ......... Items with R0STrIcWe Words, Conmom or In5 mxt ons Credit Balamces ...... ............ ...................... ......... t'_- Commurtications -12 ............. 12-13 CtedItReports ................................................................ 13 . . . . . . . . . . Closing or Suspending Your Account.. .......................... -14 Lost or Storen Card__.. ... . .... 14 ange$ to ur ..... .......... The Law that Applies to Your Agreement ... ... .......... Waiver. . ............... __.­.I ...... . ........... ...... ..............I........ Assignment .......................... . ........ ................... .......... ......... 15 Gossary .... . ... . .......................... .......... _16-17 ... ......... . ..... . ............ . ...... . Welcome to Capital One.' fonvaic offers from others Ow we think you might be lire at any time without prior notice to you, may limit the Thank you for openng a creel tCar3 Acccvrtwith t s, interested in. These offers may hay? nee., or different credit avaRatte for Cast: Advances or nt3/ take awayyaur This Customer Agreement ( contains the txets and door nentaton for dose offers vJ11 be ability to ottam Cash Admnces. Ybur current re.Vving terms for your Capital One c Cal. prarided wi ?n vie make you the offer ff you accap: the credit line uvi3 be identified in your periodic Statements. cf - W your prev,cit; disJcsed termswi I sI I apply except Some Deffnitlons. as modified by the offer. Using Yotff Account. The meanings of the tents you see in italics appear in You proms? to fdlxx the terms of this agreement as the Glossary Section. To n'df* tfte Aggrmment easy Account Information. tong as your Account remain- open cr his a balance to urdersiarid, we WU aso usethe ldlowivg personal We need information about you to manage your Flease sign the Card immediatef/ When you receive it pronouns: Acmmt. The : nformation wa need'ndLde& The Card's valid during the dates prcvidec on the front. The Card is our property and you will teturn "t to us or - You, 'yea r' and'ycurself" mein each app!icart and (I, your legal name; destroy it ifwa ask, You will take responsble steps to co for the A=unt any person responsible (2; a re id U.S. mairing address and residential address (rf prbront the unauthot¢e3 use of your Card and Account. for paying thedccounG: and zrtyoneYou authorize tc differa;tt): use, access or Pivice the A:ount. It also includes an (3; your date of Mirth; W? era not responsible if anyone reiusm to acepi your Aut.lot t sir as defined in the Glossary Section (4) your social seurity number or otter govemmew Card for any reasen. Also, w* may rejec anytrrsaction. `" e " "us " 'our" and "Capital On ?' mean Capital identification number fo• any reason. Unless we tell ycu otherwise, vie o6l One Sant (USN, National Association; and its agents, (51 your telephone nimber(s); and bill each trarsa_tton to the applicable Segment of you authorized representatives, successors, and assignees. (ii) your employment and income information. Acccttati and apply it against your availatfe credt limit for the Account and Card for that Segment in each Account Documents. You mus tell us- Aca this informationcharges . Piea5B Ming Cycle. Your Account wi 1t us is goyernd by the = Allowing upcate your address in the manner provided on your documents: Statement. You may also update some of this information You mayciso obtain Cash Advances and Trartsr2ts if ty logging -onto your Account ai our tvetrsite or by theyare permitted for your Account. Unless we acne, (T) this documm Idling one of cur rep esentaftts at the tNephone you may not use a Transfer to transfer amounts from (2) all StataTzrts; number provided on yourStefemem o• on the back of ct.ne•Accourtts with us or any other company within the (31 all rewards information and documentation if your your Card. WE may require you to provide & Utional Capital One o ganitation, Account has ieviards: documents that are acceptable to us to verify this (4) any Privaccyy Notices describing cur limitations on iricrnatton or are/ chaT3es. We maintain cite ignt to You must Trot use, or try to us`e, the Card for any/ Internet sharing i .. ormatbn about you , with other rastric: or dose ycurAccarxtt it your information cannot gambling trers3;tions or transactions :hat are illegal (5) your Card benefits brochure which describes beref is to verified or irf you do not provide addition3; !nformatian or not permitted by -is. You wfll 5511 to responsible if provided byte? ftmcrt Card rietvmrk for your Card as requested. you do. In addition, these transactions w l( be subject and A o-:Ait. The most current %-Jon of your Card to dvs Agreement, and you might have to reimburse benefits brochure 90 eplace all prior versions; Your Revolving Credit Line and Spending. the Payrent Card wetwe rk a nd us for all carriages and (6) the 'Security Ageernen-, if you have a secured Card; liar Aaourr features no vier Umt Fees for additional ac?enses. (?) all d'rsdosure<_ and materials provided to you before spending fkAbiityc While transactions in excess of your or when you opined your A cmint, inc.ucing Truth in revolving credit fin? will net result in an e,n -Imh Fee, they From titre to time, due to circumsianc?s beyond our Lending Oi domtes; will be immediately dt a and payable in you next periodic control (such as system failures, fires, floods, natural (8) all otherdocumerrts and disclosures relating to your Statement. The revoking creditli�ie is the matcmurr disasters or other unpredictable ev?nW our satiices Account including tease provided amine; acrd amount you can borrwi and &.ccseto repay owm time might be unavailable-. When this happens, you might (9) any hrturechanges we crake to any of theabwe things. Transactions and h?s in excess of your rin dying cretin be unable to use your Card or obtain information about line may not be honored If borcred, hoyVerer, they will yourAccxrtt. Ale will lot be responsible or Gable if ibis Pleas? read these carefully and keep tltern for future to sutjectto this Agicement Any transactions honored happens reference. An image of any of these can be used instead in excess of your revcfying credit line vAl nct result in an of the original. increase of your rcuWng credit line unless ne expressy Rewards. rdifv you ethervdse. Your ktitial retdAng credit ine W1 be Your kcmunt might provide you With the opportunity New Offers. drsdosd wain your Acount is opened. Urless requ red to earn rewards. if it does, vie MU separately provide In the future, we night make revi offers to you or ty law, sire may ioctease g• decrease your toting crccit you with all infomation and terms about your rewards. 0 I Vie will include on ywr State hens all iewaics you haye . Access Check foil-yning a valid stop oayment order, ycu StatemL N. and request their removal We rcik have earned. It might take up to tm Br?Gng Cycles for your give us all of your rights again- the payee or cthK holder a reastmade arnowl of fuse after your request to earned rewa•ds to appear on yccr Statement. cf the pad Access Check. You also ree to help us it any research tho!itcaticn and remova them. You also must actions we might la -er take againstthat person. immelieW destroy at Canis in their possession and Using Your Access Checks. carrcel al cf t air tilling arrangemetrs tc the Account. Vit" we provide ycu %ith Actest Checks, vie will tell Using a PIN: VVe rail not b this for ycu. During this time, you still you whether we will treat them es purchases, Balance Wo riav giw)m a percnal iderGf c3zio•r rumber jPO4 , For will be r for a l amounts they charge to the Transfers. Gash A6w es of Special Tramim. security reams, you m ght Nve. to prx& the PIN beh a Acrowt You wil be respers:ble even if these amouns do you are We to coTpleteseme tiarsactions usingth? Card. not appear on the Accowit until later. Air Authorited i;ser Orly the person we designate may use Access ChNcis. may remove ihemscives from The Account upon request Access ChM3 may not be teed to pay anyamou It ye.t With a PIN. you may we your Card tat (1) obtain caso owe n or any other ccmpany within the Capital One from certain automated idler machines CATIV.) or (]) We may dose your axistiN Acceurtandlor issue a rear txganiza -ion. We may reject and nct PaY any Ams< make purchases at certain merchant or retailer p�intaf- Card nit, a cow Account nt,mbar. Check for any reason. Some examples of teasnns why sale devices -,POS 1. Ycu may do these thkngs if the AT41 - we may tgect and not Fag induce: yourAccount is cr POS requires anvy of a PIN and drsplo the 4>ao of Your Promise to Pay. de inauent: charged -off, bankrupt to tWlert or closed: tna Payrnent Card Ndv"k cm your Card. We will treat You promise rdiyi hAV and icintly to pay us all our frat.d syaerr, ? revolts the offer fillif men:our ; y all ATM transactions as C3shAdvaxes and M POS aincunts due on youtAccount. 1W includes amount 4caenf h andimit; or the checks have expired. Any vansactiots as purchases. tvfine you did not sign a purchase slip or other liability for our wrongful dishonor of an Access Check Thrill documents for the traruaction. If you use your Card be bmited to your actual dsmaoesand will rot exceed the You should keop your PIN secure and not write it numter withoit pprresent ng your aM-el Card (such amount of the Acres Chect.- town. gave it to anyom cr keep it with yourCard if a < - 'or mail, teb+phone or Internet puchases), *is will you loss your Card or believe that someone has ceined be heated the same way as 9 you used the Card in When you use an Access Check, you vadl hake fetter virtat lorized zaess o your PIN, you must contact us person. if you let someone else use your Card, you are t r r niible for tr a-iion that . Y rights to dspute merchant transacts s than mnlh immediately. espp U � s , s ha •son makes ou r other uses of tout Card. Please see .he Idling ights premise to pay us trill cppfy to you estate if you die. Summary' part of your Statement are your other ;moth in Authorized Users. t ending LXsdasures for man information. Ybu may ask us to add one or more 4utho;Lved Users Statements. vAth adeiional Cards on you Account. If vva acres to We %till! send you one Statement fcr all Carson your Stopping Payment of Access Checks. you request vie wi I need certain information zbott Account unless the lawdoes not require or permit us You may request a stop payment on anyAceess Check ti--Authcrzed User to menace your Account. This -rill tc send a Sta:ement. Statemerus will be sent at the by ccrtaaing is as provided on your Sw- Ole tc the same information you provided ahoutycurself end of each &Vmg Cycle when yrourAcmunt has a may char 9 a You a k-e to stop pa as described in as described in the Account Information Section. We debit or credit balance of more tear $1.00, or if we � Y 1� the Interest Charges and fees secbm If you call us to may firnit an Authorized liter's ability to Hliato certain have charged any interest Charges to yro.rAccount. str payment, you mutt also send 1C us a mitten request Iransactioxns. If we co, we will tell you about these Your Statem�t Ml sl all transactors b0led to vn':hin 14 6endar says. limitations before adding any new Autnorized Useron your Al ount durin? the Brtlko Cycte along wits other yourAccount. important Acrvnt-t information. vie wilthavea reasonable amount o7 time after your Sop payment request *:o resrwch thestuaaon and comptete Once cue add a Authodzedt8m,to yaw Account. we Disputed Transactions. -- - it We will not be responsible if we cannot complete the may// ckicusi your Account with them and provide them "ou must inspect each Staten:ert Wu receive and tell to step payment bemuse the Ames t7teek was aheadff vrithAcceunt information. You trill be reTcnsible for about any errors o rquestions ycu have as described in paid, yet. do not gfva us the information the asked for or tia Authcr�d User's use of Vie Cary! and y�wr Accent the '8i Rights Summery part oz your S :aramenr and the information you gave us -vas incorrect i- xe cannot as well as anyone else they allow to u;e your Card cr o4.er Truth s Lending D•sdcsures. F you do not nrrtifd stop payment for these •easons, ne may SCil keep the Account. This will be true Bien if you did not want, or us as pro-ided in those disclosures, we may assume that stop paymentrm. ague to, the tae. all information In the Statement is correct. Orce vua comp!eta a stop payment, %tie do not have to Removing an User. 0 you dispute a Transaction trade by you or serheone release lhe stop payment 6rc6r unless the same person If you want to remove anAuthcriaed Userfrom the else on your Account, anc one later ueclit your account asfc us to. If vv rruedit your Account after paying at. Account. you mustcontact us as provided on your fcr all of part of the disputed amount, ycu g,w us all of you; rights aga rst that other person You also will. • iron Payment Fee v^re may charge you this Fee each soil also include a minimum payment amount To time you rogjest us to stop payment on an Access avoid a late payment Fee, you must pay us at least this (t } give us any merchandise or other purchases you Check or yC rercw an existing stop payment order as minimum payment amounn by the due date provided in re&..ved in connector nith the iispr.ted amo nit if vw- provided in the Stopping Payment of Access Checks the Staterrcrh..f pct; exceed your ievching credit limit. (2} to a�rsue am claim or reimburserrcnt from the section. hve may request a higher minimum paymentfrom you. merchant and that other perms ?.nd • = opyina Fee. We may charga you a per -page fee for In addition to the mirrrnrm payment you may Ny (3) help us ounLe and get mimbuaement am the op :es of transaction documents or Staten, en's unless alt rn part o the total balances on your Account. ntechani and that other person; your help includes they are requiree in e5olviaq a oiifing dsputa H -yAFYer, you must still pay at lass( the minimum giving us documents that vie ask for and that are payment amount each month, even d you paid greater acceptaYe to us. • ;p,sh Advance fen. We may eha•ge you tnis Fee each than+ the minim.int out dm previous Staterrextt. We vk.1 time you obtain a Casft,��vance. Thr Faewtl be continue to charge Interest Charges during 9fing Cycles Interest Charges and Fees. treated as a Cash Adtence tamaction. when you carry a balance regardless o- Ktether your WevolldergeMiarest Charges and Feesl :o your Account Sfatoovnr includes a minimum paymentthat s due. If as disclosed to you in your Starert2ns and oth-tr Ruth et • Transfer +Are may charge you this fee each time you yrour account is 180 days past dui, part of a tarkruptcy t erda;g N- 4olasures. In general, /nterast Charges begin to obtain a Transfer. This me wi;l be treated either as a proceeding or cthendly charges off, tie entire balance accrue from the day a transaction occu•s. However we Speciar rranshr or ?a chasetransiction depending on is irrmediateiy due and payable. will rot charge Wu interest on any new oalancas posted the Sejrtert in wnich the Transfer posts. to the purchase Segmart of yourAccount provided you Making Payments. have paid your previous balance 'n =111: W the due date. Transactions Made in Fotel n Currencies. Your payme•ts must be in U.S. dollars from a U.S U!e vnlE tr oth eat fire follwu Fees as purchase transactirru If you make a transadicr. ir: a fo eign currency the deposit account and oiitanvse be acceptable to us. We unless envi%sWfied b2cw, Tht%fees apply to your Faymert Card Network vrill convert it into a U.S. dollar do eat accent cash payments through the mail. You may Actmt ett only f theyare pmmvided in your Tirtdt in Lending amtym:. The ?ayment Card ketwork will use its curency not .rake payments with ends `turn your A¢ourd er CrsrlasuMS. We may incense yccr InferesI Charges and oonvemon procedures in effect when i; orocesses any other credit account vith us or arry other company Fees as described in the Changes to Your Agreement the transaction. The conversion rate in effect cut the within the Capital Ono xganizxfoi. section or in your Truth n Lendi•tg Ors-_;csdres. processing date night differ from the rate in effect on the t-ansaction or pa date. ke :b not cutrentlyadiust Whiled Payments. • Mcmbei pea. 1A'e ;r'ay charge yet; this Fee as ezdy tha currency exchange rate or charge any addiicna You must marl payments tc us at the address p rovided as your first ertlivg C }}Kle or ti ?first Vwng Cy .E after currency conversion fps. on your Statement or as efneowtsa instructed by us or this Fee bwomes etfecfi%*.If it is an annual Fee, vie our agents. We v,11 credit it to yourAccaurrt cr the jay may then charge is approximatayonce r-� year. If it is No Mirranties. vie re_ean_ it, if: a monthlyfee, we may charger. once in each 84ahg Erdep: as otherwise provided in the 'Biling Rights Cyde. This Fee is payab'.e it advance even if you do not Summary" part of your Statements we ate not (1) you senc the payment coupon included vrith your use your Account responsib�e fcr any claim ycu might have regarding the Starererr in the same envelope with your payment; purchases of goods cr serrices mace vrith your Card. • Utz EWent Re. We nay charge you this nee ifwe do (2) you include yourAcrounr number on your payment; not receiw your payment in time for us to credit is by Merchant Refunds. and the due rate shown on fourSiatemcrtt. if you are entifted to 3 r2fund for goods or services purchased;0:h you- Card, you vAl accept these refunds (3) your payment atrives at the acdre% 1r6cated on the • Returned payment Fr£ We may charge you this fee- as credits to the purchase Segmentol YourA- count. We payment coupon in ca;r processing center by the time each time any payment you •Hake to as is not paid by do not control when a merchant scrds us your refund. incruted on your Statene�t. your financial institution for any mason, even if that Waw.11 also haven reasonable amount of time after we iw.itution later pays it receive you refund to process it. if your dr.e date occurs on a day on which wa do not recaw paymen-_ any pa)r, tent received die.-PA clay • Reiumed Access Oteck fee We may charge you this Minimum Payment which conlotmts w the atmp raqu'.rern nts will not be fee if we do not pay an Access Check for any reason, Your Statement will provide instruc:ixts for making treated as late incuc�mgg w�hen your Acccrsrt is in default, ovedimit, re,.,tsdudmg $re amounts cue and the due date st wxlecl or closed, for recei 64 your payment. if applicable, your Statement Please allow at least 7 days for postal del very. Unless we -------__._.--_ . ....... .............. __......-.--------.___._.__......... ........ --- _...___.._..__------- ____ __ _ or our agens speoflcallV instruct yeu to remit payment returned a ectionically. These elxtron c imaces rrW ;d) a banoupter or oGii nso'vericV proceeding is filed in a different manner, payments receive' at any other also be conversed to substitute cri -dit We wa1 not be by or agair t yo.r location or in any other form night not be credited for responsible if an from you Fry:ide has physical features 15) you die of are lega$/ d2dared incompetent or up to s days.111.6 migght cause you to to chargF late thatwlen imaged result in it not beirg processed as you incappaci-ated; payment Fees and adc5tfonal lrlere Cnares. :nterided. ;6y wvt deternine That you made a false, incomplete or misleading statementcn any of your Account Fader Paymem Services. Now Vk Apply Your Payments. doumernation r you othmvise tried to defraud is We rrey make s3ttices available that allovi you to Hake We apply your m•nirain payments to loner annual ,,) you do not compy with any :envy of this Agreen'ert faster payments tftrougha customer service reFresentattie Percentage Rate balanresb?fcae higher ones. %Veapply or any other agreement with us; o using a : elephone, the fntemet or ct•rer payment system. any portion of your payment in axccss cf your minimum 18) you pern3nently reside outside the Unit States. 'A'e ail descrbe the terns for using these services oaYment, to hfghuAnnual Pe tentage Rate Warces beforayou use them. You do not have -o use these other nelora lower ones. For certain actions, including changing the rates and payment services, and vie may charm you a fee for using Fees on yourkccount, out op:ions P a peat in air trim. If we do, we will tell you the amount of :he Fee at items wllh Restrictive Woids, Conditions or original offer materials when you opened yourAceount. the titre you request the sevice. We are not responsible d InstrUCtlons. Ramcmber, pay r9 the revs charged in tonne_ bon with a payment made usme our payment sevices is mlectec or All Iteru that have restrict%,- words, conditions, a de€ Itwil not by awlf cure the default. In add;Gon, not oaid. Even P it is, we may still keep the Fla. limitations or -Fecal instructions added (fri luding Items ifycu are in default %ve may take the fo :lowing aefons Warted with the words "Pazd it Fufi" w similar language) Mthout notifying you, unless the b says that we must If you give your Account number or wherAccoamr and all accompanying co mruxumfcaticns must oa waded notify you: infornadon to- omeone ese to make a payment for to and received at: CapM One, Na Box 30285. Salt lake you, %%e may provideAccount iniomtatzn to them and Cit UT 84130 -0255. tf ycu Take your payment of sent 11) dose or susperd four A_zount p rocess their mentasif • ou made it Vic m refuse an ax in communic i P PaV I � Y a�nY' 4 a5o: stoanyot)merajd•ess, ,2) lower your credit limits; to acre tar a newt made b someone else for our vvv acce and p rocess the rent without losing increase r minimum t= � p y Y Y �Y P F Pay 'y 13) you paym ert Account II we accept a payment made someone else an of our r' r hts, 4 demand that o:r imnwdfat tire balances ymen by, Y c , 1 Y �Y f+aY the en er ycur-Account, you will be resoovible for the payment owing an your Account (tor example, as described .n if r madeeverm that paro - mefmtrs elededcr not paid. CredllBdlagtes. thef✓rnimum Payment sediort); We may reject and return to you ary paynent that (5) continue fo charge you Interest Ckmp-s and fees as Payment Processing. creates a credit b3 ance on Vour Account. Any cedt long as your balances remain outstanding; andlor We may accept and process paymerts without losing balance we allow wit tot be available until we confirm 16) pursue any other action against you that the law allenw, any of o.ir rights. Even if v e credit yo3r payment to you that ycur payment has cleared. We may reduce the which includes the filing of a lawsua against ym. Account we maydday die availability cf credit until we amount of any credit balance by any new amounts billed confirm that your payment has dear @. we may resubmit T.o'your Account. You may caritact us as provided cn Your You must pay us all of our collection everises, attorneys' and electronically cdfect returned payments. We may also Statement and request a r- and of any ava lable credit fees and court costs unless the la%v toes not allow us to adprst yctuAcrounr as mcesery -o correct encts, to process oalarxe. If you contact us in writing, %v-- will refund your collect these amounts. returned and reversed payment; and to hsnde singar lom cedit balance within 7 Srrsinass Days ficm ct.r re;eipt of your vwitten recuest. Communlcatlons. When you provide an Item as oayment, you auihodde Jere may conW you from time to time regarding your us eiti u to use information iron your ,Yerrm m make Amount Defauk Account. %W may contact you in any Tanrerwe choose a cne time electronic Raid transfer born your deposit We may consider you in default of your Agreement %nth un�m tine law says that we cannot For exanp4 we account orto process the payrnerit as an item. We will us it• may provide additional information about this process or vou r Statement or other documents Ar- serd you before sl) ) do rot mate any payment when it s due; (t) contact you by ma 1, telephone, email, fart recorded your payment. Ycr, rray contact us and ask that we not 11.2) any Paymen- you makes rejected, not paid or cannot messaee, tot messace of personal visit; process your future"! in this - gay. be o ocessed; 12) contact you usirg an autorrated dialing or similar 113) you exceed, and fail to immediately repay the amount device ;- Auiodialei`i; 'Alien you provide an irem as payment, it might also be over, join revolting credit line by the fo!lomng due 13) contact y ou at yout horse and at ymr place of converted into an electronic image and celk —ec and date; employment; 14) contact you an your mobile telephone: 13 i (51 intact ycu a- any time, indudi weekends annd not .n da`auh. A suspension of your Account might he days Shat the payment due date, vie may fncreasw your holidays, permanent or temporary. !nterwCharges and Fees for exisfrig beancesarc new (61 contact ycu Witt any fieouercy, transactions at anytltrt:. Nle may change any other (7) leave prerecorder) and otter messages on yct:r H your Account is dosed or suspended fcr any reason, terms of your Account at any time answering machineA6ervice and with others; and you must Aw using your Card. Ysu must 3 so cancel (8) identify oursek-es, your +dationsf-ip with us and our all biting arrangements to the Acro,rnr. Vve vAl not do The Law that Applies to Your Agreattent, punpose for contacting you even if others. rnigtt hear this for you. Ifwe dose of pernanently suspend your 'We make decisions to gent credit and 'm- you a Card or read it. Ac I Account, you must also destroy all Czrd,. You must still from our office, in biuinia. This Agreement will be pay us all amounts yo:r owe ca the Account, ever: if tiny interpreted using Oicinia Ian. Fe32al law vAI boo i sed our contacts with you abourl vurAccouni are no: are char after yourAccount s dosed or suspended. when it a 6eS. 5 9� P PP ui;cIicited and migfu result from information vee obtain from you orcthers .Wen3y monitor or record any Lost or Stolen Card. You wake anyappiicabb statute oflimitatiomasthelaw comter <_ation or other communication vdt)t you. Uiless You vrill take reasonable steps to prerent the downs.. Memise, tie appCeabb stave of lirritaticns the law says we cannot, we may modfy or suppress unawl use of yojr Card arc Account. If yox pa--iod f-o- all provisions and purposes under tlis caller ID and simi ar services and identfy ourseves on Card lost or Bolen or if sorecre else might be using . 4greemant jncluding the rig9ht to mnect debt) Yj be these services in any mznrer we dtoosa 'Mien ya.t give it without your permission, you must teal us at once. You the forcer mod praieed by tli F oa or dieOsdictfen us or we obzain your naole telephone number, vve. may may tell us by calling the telephone number on the back where you liw- Harry par! of this Acreemer>t a found to be contact you at this number s sing an Autodia °er and can of your Cad or crt your 5 varrmt or by writing is at the urimforeablo, *£ remaining parts vvill remain. in effect. also feave pierecorted and other messages. We may to address cr your Statem r. You will not be responsible these things wnether we contact you or you contact us. fcr charges made to yore Accrrmt that are found by us Waiver to be umuthorized rf war remburse vout A--counr for 'We M not Ixe any of our eights if we delay taking any If you ask us to ds:m your Accourv, with somecre eke, unauthorized charges made Ong your Card, you vvill 3 for arty reason or F Ae do not notify you, Fcr you must provide us vri.h documerts tea_ wp ask for and help us investigate, pursue and get reimbursement f•om example, we may waW your [merest Charges or Fees that are a= ceptable to us. tke wrongdoer•. Neur help includes civing us dw-urerts without noticing you and without ?osing our right to that we asc for and that are acceptble to us. charoe them in the future. We may always enforce our Credit Reports. rights late and may take ether actions not listed `r this We may provide information about ycu and the awrrr to Changes to Your Agreement. Agreement "d the lave allows there. fou cc nut have c«muroer ( aedit) reporting agencies and other, as provided At any t me, We may add, delFe r. cimga any term. of to receive notice from us of arty waiver, delay, demand in cur Privacy Notices. Irrentation we provide might appear this Agreement unless the law prohichs us from doing or dishonor. Wo may proceed against you before or. your and theAvthorize Users' credit reports. This could so. We evil giveycu notice of any changes as required proceeding against son-ova else. incl.ide negative information if you do not comply with the bylaw. H we de• noSTy ou of changes. vii will send you terms of this A rewent We may obtain and tseredit a separate notice or inform you on your Statement. We Assignment. and income information about you ft m. corsuner (<redii) may send this notice to you electrcrically as permitted by This Agreement will be binding on, and benefit, any of reporting agencies and cthers as the law allows. law. Our noti_e will felt you when and hour the chwK&s your a.d our successors and assigns. %Wl take effect and desrriibe any rights ycu nave in Closing or Suspending Your Account connection -Ah the changes. Yoe may rct transfer your Account or your Agreement You may ask us to dose your&covrrt by taping a to someone else without ou rwtittan permission. writing us as described tut your Statement. Your vout variable Annual Percentage Rates (ref applicabte) can State;.Q' will pryride additional information about this go t,p or down as the index for the rate goes up or down We may bansfer yourAccowt and this Agieament to process, arc we mWalso separately provide - with ff we increase your rnmrest Charges for any other reason another company or person w'!tivout your permission zccitional dataik after your request. This rnig au inckde we will notiy You in writing. If we increase your Fees or and wdhout Ftior notice to ytrj. They Wit take our p lace peymem info:nation. If You use your Card or charges other terms of yvta Accwnf we will noliry y ou in writing under this Agrcernent You rrt.st pay them and perform post n yrau Account after you ask us to close it vre may and inform you of your options in advance, in_lrcing the a 1 of your o bbligawns to them and not us. If you pay us keep it open or - eupen it right to opt out of sorne of these changes. after you ate informed cr learn that we have transferred you Acown! or this Agreement, we can handle ycu We may dose or suspend your Account and your fight We may increase your Wettest Charges for new payment in any way we tn.'nk is reasonable Th s to obtain credit from us. We may do this at anytime transactions and your Fee; after the first year of the includes returning the payment to you or forvrardng the and for any reason, Eerritted by avi Men 9 you are AccounL Also, if your payment is not received within 60 payment to the other ccnoany or person. Glossary. -"Interest Charges" rnezns any charges to yo--jr account based on the application of Annual Percentage Rates. • "Access Check" means any check we send to you to access your Account. We may also refer to an Access • "Item" means a check, draft, money order or other Chpr ac a: 'mnvPniPwP rhFrk" or a "ptirrhasp rhprk " negotiable mstrumen; ou use to pay Four Account. This includes any image of these instruments. This does not •"Account" means your Card Accounr indudean Access Check. • "Authorized User" means one or more persons • "Payment Card Network" means Visa Inc., who may use the Card but is not responsible for !1e NlastefCard lnternaticnal incorporated, or any other repayment of the Account. network provicer displayed on the Card. • "Balance Transfer" means a Transferosted to the " "Segrreerkts" means d1e different parrs of your Accoun* purchase Segment of your Account unless otherwise we may establish that are sub to unique pricing, described in your Truth in Lendrhq Disdosures grace periods or other terms. We create these parts of c e yourAecount for su ch thirds as your purchas mash - - h might AoSrnces and s iaJ Trar:..{ers. " Wiling Cycle mears a penud of t ime t m gl t ec p vary in length but is approximately 30 days. The specific period of time is described on each Statement. • "Special Transfer" means a Transfer posted to the However, you will have a 6107g CyG even if a 5peaal Transfer Segment of your Account and not to Statement is not r_ uired. We will often specify yo ur p urchase S required. sP !Y a y0 p�u egme it. , Min Cycle b the month in which its dossing date 9 Y Y 9 r' occurs as provided on the Statement. For example, • "Statement ,, means a c1�x.unrenl cx infun rdlw r t we a "March Bitting Cycle` will have closing data in provide to you 4hmming Arrmnt information iirludinU, lVarch.. dale .mav also refer to a Billing Cycle as a "Ming among other things transactions made to your Period." It yourAccount balance has charted oft, we Account dunnq a Khirrg Cycle. We might a:so refer to may switch to qua -terlyBilling Cycles to ycur Account. yourStaterrefri as a "Periodic Statement" or a "Billing Stateme't." • "Business Day" means any day in which Capital Ore's uitices We Lpen far the proces5i•ry Of pdynrenls old • - Transfers" means balances transferred from other rrprfi °s Accounts to this Account and includes Balance Transfers and Special Transfers.. • "Card" means any Capital One•credit Card associate with your Account, which includes all renewa:s and - 'Truth in Lending Disclosures" means anyAccount substitutions. It also means any other access device for information we provide to you that is required by the your Account we give you that allows you to obtain federal Truth in Lending Act and Regulation Z Tpese credi *., including any Account number and any Access include your application and soBcitation d:sclosures, Check. Account opening disclosures, subsequent disclosures, Statements and change in terms notices. • "Cash Advance" means using the Card to obtain loans in cash or things we consider cash equivalents. Cash equivalents include wire transfers, travelers' checb, rnuney urden, fureiyn currency, luitery tickets, gaming rhips and wagpm Cash Arlv.;n - pc arp postal capftar to the Cash Advance Segment of your Account and not to your purchase Sego; m. 02010 Capital One Capital One is a f=_deraily registered service mark • "Fees" means charges imposed on your Account that At rights tekw are not based an the Annual Percentage Rates. RV600159 M-99491 M BRr6584. ® ccFCswa� _ _. _... ......_... _ _ ... ........... ......... ..... . ......... ... .................. _.._.._ _........ - - 500818 ClNOHassle rewards de serves Who . gift card more than you? � 1 Popular Merchants • Great Restaurants • Variety of Gift Card Amounts Page ' Of 1 Customer Service 1-800 - 955.7070 Feb. 07 - Mar. 06, 2012 29 Days in Billing Cycle w ww.capitalone.com MINIMUM PAYMENT WARNING: If you make only the minimum payrtrem each period, you will pay more in interest and it will take you longer to payoff your balance. For example: World MasterCard - XXXX- XXXX -XXXX -8062 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 $28,270.61 $576.00 Apr 03, 2012 Minimum Payment 32 Years $58,040 $951 3 Years $34,243 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: 523,797 Revolving Credit Limit: $30,000.00 Cash Advance Credit Limit: 315,000.00 If you would like information about credit counseling services, call 1- 888 - 326 -8055. Available Revolving Credit: $1,729.39 Available Credit for Cash Advances: 81,729.39 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35:00 and your APRs may be increased up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 529,076.98 — f1,100.00 + 5293.63 } $0.00 = 528,270:61 TRANSACTIONS REWARDS INFORMATION PAYMENTS, CREDITS & ADJUSTMENTS FOR ANGELA R MURPHY #8062 PREVIOUS AVAILABLE REWARDS BALANCE 4,167 1 13 FEB CAPITAL ONE ONUNE PYMTAuthDate 13 -FED ($700.00) REWARDS EARNED THIS PERIOD 0 2 06 MAR CAPITAL ONEONUNE PYMTAuthDate 06 -MAR ($400.00) (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 0310612012 4,167 FEES Total Fees This Period 50.00 For up -to -date rewards tracking, visit INTEREST CHARGED www.capitalone.com CNOHM/e rewards - INTEREST CHARGETURCHASES $293.63 or simply call 1-900-228-3001 Total Interest This Period $293.63 TOTALS YEAR TO DATE Total Fees This Year $35.00 INTEREST CHARGE CALCULATION Total Interest This Year $963.24 Your Annual Percentage Rate (API) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases I 12.90% $28,650.26 1 $293.63 Cash Advances 19.8030 $0.00 $0.00 RLD,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 5466301937878062 06 000000'0400000576000 Account Number: 5466- 3019 - 3787 -8062 Due Date New Balance Minimum Payment Amount Enclosed GO GREEN Apr 03,z012 �s ,270.61 $576.00 SAVE GREEN! -- PLEASE PAYAT LEAST Pa online and save THIS AMOUNT y money on stamps. � Sign up at www.capitalone.com 400008 ANGELA R MURPHY 753 WOODFIELD DR LITITZ, PA 17543 -6601 Capital One Bank (USA), N.A• Illrtrl 1 Charlotte NC 26272-1083 nIIlllrlllrruhlrh�ldllllr lialrrllrlrlllrllr�11111111 -1if I Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. C rewards Use your miles for all your gift card needs! 1. Log in or enroll at capitalone.com /nohassle 2. Click on the Rewards Summary tab 3, Click on the Explore Rewards button Rervm'ds program features and terms may nary: 02012 Capital One. Capital One is a federally registered service mark. All rigbtr reserved Doe Od How men 1 Avoid h Paving Interest Charoes {,;h month yru pay you "New Ba!arxe" full, you will have a When +m71 you Credo My Payment minimum grace perlad at 25 days wUr no interest charge on ail rtew I)purho 2) balance ban_der3, 5) "'dal � ran onllry or over the phone., asol uc biuslrress day we receive i4 as long as theyrec made by 5 pan. ET. pun :has'es and 4)oUter rhau)es.lf}sru itaebeeri pa}^ngynur auountin full wU! a{ydmcf and you FIT niaileJfraymen,s, as cf;bn hu;iness dny we rectlre it as sulgas: l)yeu send the igt(aml'7nbn of lhlc � 'e. ray ya r _x WII n ht l P csalcd IT nu' dta.a- s will b!: msesaed T' re Is r o y rarr {!cr'rxl on cash z.lva :.acs cat trim . d yam c r k r Ih .. d. aed a ma s gavot. ! d , yuc. gym n r' :ecaSVe,. n a r: r.,r spe.a a arsle .,dGr cur) :65 +aansa n.n wier throats an unpaid 9aFantz ., :nape��ous Gr.l. iWvssi.r.gle nets by. P.m.lucal. .e..ase ai!aw ., l2a.. (Tj bus ress days In ma'I Jilnztp Nal..d pay :•arcs How'¢ the Interest Charge applied) Inbrestclrrgesemoerntrutbe t}date of Ure Garnarlion, 2t. daft dlc rl<aived byusalanynd!rn lsatinn ormany gdhm iormmaynot bzcmdUed asnf (he day vva mwiwthem. dersaCCn is moressed or 3} fis alendi dayaf the t :rg ncrbd. IIII. cha,go—u—nelmiyur,flal d amount Do you Process Paper checks as an Electronic funds iramfeP Nay:. will Ge pro p "ed in one c` two un llus Paidlnfu; Thsareansyou mt m y re ems:chaoans M %a .o ri ren'ryou Payth =a7 re'New Balarre mah, war. tAhRo y „ ir m •! pr., a deck fir ecc l m :. nett a make a yymert. yo l. a.thcure us or cu gyms ro use 11a out ddnot do so for Ire previous re Utpa d /eecst cl!argcs are added to the Propur segme ntal your Account. in' onnafron s W make a one lima, ACH Varuoon of Witt Clara on! turd Uani'eI lwm your dcpas taccount. We may Hosvcwr, we re4 nip the right to net a;5ess irat drzrges at anydn e. ats use lic mlalmetier, In Vocess ;h, payment as i nhect VanszdGn. Do you assess a bfinimum Interest Chart)_e? Yes. A m. m um INI7RESI CWC` cf fC'.50 vn' ;I be ass=essed - eadi What if l fife for Bankrurrtcy if ;cu are eroded to bat pty p e en-u , this comnenicaton s fd• nform r r, b!!I!ng pentad yin aao�.lr, L suIllvato an Ime.est charge. only. It is notary attemp to col!'', assets ar recgva. adebtcur claim. Do notserral us payments without speakmgw th How do you Calculate the Interest Charge? Wre Use a method al:cd Average Daily 3alrce finduding raw Your b:'rhr PRy 'fie neye a Banhgpl :yCwrt If yell of yo tra itor . ;:y - old I to Wacr:CCt our bankmoty claims orr:.a,cnt \.Undel-ttrsandoi, we first akdat ynur d.3ybah -e, far Rah grr,of, `)take :'e leegn•rg iraIv— ""t” deco,, :3sr(or,iaet.G;otz10^e• FJ oax sPrES S.'f I— y,t, ".84130.0.85 and add in raw Transactions and the w6odn: interest charge on the pre•doui days balance, than 2) subpar any BILLING RIGHTS SUMMARY (Dios Nor Apply to Small Bminess Accounts') paynrrts and credits for Utalv�amam as of U!at day. The lcsult is the daily baknce for eadl sagoil HOVmwr, it you What To Do if You Think You find A Mistake on Your Statement if you Oink Ulere is an ebur on Yaw Pad yontPorloasmcnin" oaamc iniol(or i ?your bakrcewas m,o C"a ­ohT,rrcoa, raw' :salCru wohres!: Aalen.enLwnte, m us at: W yampu,dnss or sr dalpu :these segrm,Kaie notaddai fail m Fy balance=.. ALso,+.rar —thee, dunates ;bi,ctW I grace Per are rora•Ided m hP data bal teas, c + ;alal Or Neat ta find you, Al ,,a Da:'.y Balanr. ) add rile daily',aknaa%gether for each sugrram, and 2" a',,do be 1 by P Sox 0285 the number N days fit the wiring cysde.. SaR La Oly, UT 641304295 A, Ire end ofea:h billing cyde, we dptan42your lntven(balue as allows: l)multiply your Average Dally Bak— In yew letter, give ma us trip following in'orlcn: by !in. wlynrrodcr afA.aduoed by 1 65) far that seg nl and' ) -opay th ull ty 11-niatiom o: day, - 'he - AooQL,r Into 'm on Yajr r ind BCd 'umbe aa!Tg po nil. 40'. ^Oxon rcurcmg J'e . . carte, the_. all. li.cr'mayvarynstt ;e - Do of era.._ To, a:11o, aro.rr,:! : :: c s!rsp.,ed erg,,. actually assrssrv. - Iksarlliap of Frcbkae If you Wnk theta is an enur anyout bill, al llhe Wet you foal am is worg and wl,yye!r How can my variable annual PercefgM Rate APR) change? YDLrAPH may increase or decease based on one ba 0 'e it is a misuke, a t he following reported ind' :as(topcued in AsoY9a.7 street lournat).[a total w index is sod lm year +gaunt You mu cc, :.aaua wnvn_ n days a3er ^r. error appeared on y:r staterart look for alere, rode en Ifte front of this stafementr!er, to your AP :Rfs).'eall check the table below, You agar notify us Of any Damned mars in wri!no You myeall user nati fyu5decooriully, b ;nil you do we are Code an to your How do we calculate your APR(s)? When your APRs) neac"lr�e,4, scale any Potential , rrcrsard you maynave to Pay the amount in SUesrion.We wi'.I norifyyou APR(s) Index+ margin (previously disclosed m you) will change i.,iw!ilira +9 d��scf m ;..r. ;miptcl y!u. lone:. P Prime Rate + margin Thef!rat dayoftfa hilling :par!ods that Wale we imera nm gate their. or thine has been Be error, the rielorwg are fire: L 3month lllpi +mtilgin and in Ian., Apil, lu!y, and Oct. we cant try In collie' he amount: m question, or ll.prtl ss deUngnenlon lhatanaum. U carrot Aale +mercn i. fit cayrn cclr - Thor: ruem ns'enmsyrzma n onyc •siatomdn4ard went ycunt :uetokhsrgeyruit'a•aston Ma :an•eunt. I mnlh llBOri +meal In mu kllm .prod. 9N.II rte et:m eU.at went? deamntakr, y' cuwillnothavGWfwydlea: nountitigmsficncraryi •nclesta'oUler fees related :e that anx!unt Are thtre Additional Fen assaclated With any account? Yes, ur?jet 0.e t.. n ai.tum%6ra,,1 )•ou m be a testa a • YVrhe you do r.lo htiw: to ?ay the a:"ca,' in clan it uof we nerd you a Douce l out to .uto. ":0 of dm Lateot Returned Payment fee.YOU mays'st be assessed Oved!rmdegif Pormuad by Ww. We Rselvc isle rightto net in- V9,ition, you arereslar!sblg fordr, ug. *.cinder u' your belarce. a"ess fee,c wIhour Pic, Nance anf, wbaat _Mng 0111 right to asses a s'mital fee later. YJ2 ran ap,N. y any Url ,'✓add "'9rrlt dgalllil yner reedit %Imi. How an l Avoid Membership Fees 11 a Ren on ':'i. s It.d oil lf^ rl.ri thi :enle yor•-:ymd W` to Defaysdfo' :' ortipt yn:rleno I we willxrd yell awrith rcI:. .xp:c.tng eil U;atwecol': cod the piyng anz al.virbas'ipfee byc.Ilaai.Cusaa ^ e 5annelt: ma.ehan 45 days ie, the 1.1 day In Lte hl g anal rorppearen yeul pert ale•,en0or the n wx bRlel2 ;h lA ehll snecl. ylr. cavcred by this statement to request that vA close agar account to amid payrg a mnnJlly membership lee, conhd CuSWmed Scotto anytime to request Urat vry dose yew accoun4 end we will sWp asess!rg year ma ^y Your Rights If You Are Dissatisfied With Your credit Card Purchases. t; you ate dis dsfcd wUr the quads or membeesi,io file. serv!ces U.at ye u !`aYa a'i ::', ?aed wUr dew crejrtcare, and you F te"r ad . In good WIT W :aspect: a problem catgut. t he meubar;4 you may haki 010 dgin hat to pay the fie ma.mrg amount due on the Purchase. To use Bds rg7�L Via Ilist HOW can w ex My A ad You steps 10 ace Clw , I orequa dow i!n- Juurndrimrn.Ae musl lo! too: Rai erne, nt. l x�a. y Jd I'n al stepstoa . �; ctnue n ro bal. e ado it Ic m3 and a :ncl ri fallowing Raise rcaU ater :ills}r. ;. cred'�tca.dorda.g -s p!. to yvu a.c.'. •;after yeuaskie,i lax rt vre+rnk ry, = > - YCl s..am.xd nn rcdlt,�'d aor rep• :•n's�. ?u ch�•ts made rillr ca_hwrarxesflumanAih4 arvrdra arrountopon. dt: kthatac-ccasyen,u'..ditcard acrcurra, nut ,ualdy; and What happerss ifmy Aama>�arem d! We maydbic or st.sperd you aox nahtar attain tied 21 You 9n of yet hay fully pad lc. tt,. lo a . a Time ard fat .arry ­r, rfn{You we elin do's ASCCUnt an 1cnsv, con be {Rr air. .d le :.Pnlary f If . of the txi:'. r abote e,: d you :,o, IN d[z1alisfi with Lh. r !a:.nas.. — lea Ua h w:n,a your account is closed or suspended you must n stop using your credit card and anotera. 2) canal all aue"at!c Cdpilal Ore Payments, 3)destroy a'I aeditardsand irox— schecl6, and a) Paydeanlaurlts you owe us, akin if they welel'mrged P.D, Bex302E5 .:Ater the ac :eum was closed or su— tied. 5,,IL Ufa City, J 641300265 Howdo I Make Payments At anytime, yv;u may pa the mirmurn payment, Cho total unpaid bslarroo, oranyanmunl in between. Payments may be made in wwral ways: "the wo inLm.}n!gam, the same Iblds apply W the displ:7M amount a; dlsestcd aho'le. Afear we f; ish our t) Online by gang ra wvr .rati!donx.ram and inggirc on your aacmrp invs hgalcn. the will lea You eul deoston. A[ Utat poh!t. if we'think you owe an arrountatrl you do our pay ft may 2)kLntons Vokaleg on. synfiml :yA'lugs.a)}?i57G7uand talgw ^rg die. vc•IS pro :.. r.. vArz.r you make a "Per you sriel.oGuer 1. Ptc pry r m through our vooe .v5.,wor, youadmin usto : ill M4 or r1rcho c uayr.:r. Qiar. wi!I CapitlO - e supports rnU.alaprryp 4 a seou nlrnY at www.canlelone snm beat x..d tram your Yak a•co.m. rods may to walch —,bar your lark arrnunr e,.c a 11.n scum. day we 0 2011 eapital0 :• :e.Cap..{ Ono sa'edaayegntxred same. mark-4l1ighisra.�ei Process yarn payment i Calling ono Telephone number t- 90(1:.,55 -7070 and pravdirn yl tritmmatinnto ourwfoo,,enat!na a) Payrol by mail should be sail to Ire mailag address oroeded an if;e tentom fmnion or fins "Itaro:nl. C., I 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 .. ............................... ........................... ............................... e Q Don't staple or paper clip your check to the payment slip. � Alternate Phone ............................................................ ............................... • Be sure to use the payment envelope that came with your E -mail L? statement. Using a different envelope could delay processing. Address .. ............................... ................ ............................... • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink. number on your check. -- — / � 500821 Cap"31r / Your rewards are just a QhNoHass,,e hop, skip, and a click away �� rewardsw i Visit capitalone.com /nohassle today: � f 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. C * Page ' o' 2 Customer Service 1. 800 - 955.7070 Mar. 07 - Apr. 06, 2012 31 Days in Billing Cycle www.capitalone.COM 111 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and h will take you longer to pay off your balance. For example: World MasterCard XXXX- XXXX -XXXX -8062 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 $29,783.01 $622.00 May 03, 2012 Minimum Payment 33 Years $61,143 $1,002 3 Years $36,075 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: .$25,068 Revolving Credit Limit: 530,000.00 Cash Advance Credit Limit: $15,000.00 If you would like information about credit counseling services, call 1- 88&326 -8055. Available Revolving Credit: $216.99 Available Credit for Cash Advances: $216.99 MTE PAYMENT WARNING: If we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00 and your APRs may be increased Up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $28,270.61 — $600.00 + $324.66 + 51,787:74 - $29,783.01 TRANSACTIONS REWARDS INFORMATION PAYMENTS, CREDITS & ADJUSTMENTS FOR ANGELA R MURPHY #8062 PREVIOUS AVAILABLE REWARDS BALANCE 4,167 1 14 MAR CAPITAL ONE ONLINE PYMTAuthDate 14 -MAR (5250.00) REWARDS EARNED THIS PERIOD 2,235 2 03 APR CAPITAL ONE ONLINE PYMTAuthDate 29 -MAR (5350.00) (reflects transactions posted during this billing cycle) TRANSACTIONS FOR ANGELA R MURPHY #8062 AVAILABLE BALANCE AS OF 0410612012 6,402 1 05 MAR OC,BEACH GETAWAYSOCEAN CITYMD $635.10 ARRIVE: 03105/11 DEPART: 03/06/12 FOUO #: 300002128 PH #: 416.289.1445 For up -to -date rewards tracking, visit 2 14 MAR CVS PHARMACY #1627 Q03CARUSLEPA $486.98 www.capitalone.com (&Hazle revvardl 3 16 MAR DEWNGER'SAUTO BODYMECHANCSBRGPA $500.00 or simply call 1. 800.228 -3001 4 23 MAR MICHAELS #671 OCARLISLEPA $165.66 ► Total Transactions This Period $1,787.74 INTEREST CHARGE CALCULATION FEES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Fees This Period $0:00 Type of Balance Annual Percentage Balance Subject to (APR) Interest Rate Interest Charge INTEREST CHARGED Purchases 12.90% $29,635.08 $324.66 Cash Advances 19.80% s0.00 $0.00 Transactions continue on page 2 P,4D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5466301937878062 06 0000000350000622004 C A W W_ Account Number: 5466 -3019- 3787 -8062 Due Date New Balance. Minimum Payment Amount Enclosed BE SAFE! May 03, 2012 C $29,783.01 $622.00 C= Your trash could be an identity thief's . PLEASE PAY AT LEAST gold. Manage your account online THISAMOUNT and end the paper trail. Sign up at www.capitalone.com 400009 ANGELA R MURPHY 753 WOODFIELD DR. LITITZ, PA 17543-6601 Capital One Bank (USA), N.A. Illntl 3 Charlotte, NC it 1111 11 1 1• IIIIn r11114rrllrt�lll�llrrllhlhlrlul Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Capita Get familiar with your rewards: 1. Log in or enroll at capitalone,com /nohassle 2. Click the Rewards Summary tab 3. Click the Explore Rewards button QINO Hassle rewards" Rewards prognrm featorrr and tun r mat vary: 02012 Capital One. Capital One is a federal[; registered service mark. All right; reterved- 002 Od How'n 1 Avoid Perirw Interest Clm=a Each month you pay your "New Balance" in full, you. will ham a When will you Credit Mr Parmern mirthem g'aw period of 25 days wit no inner ¢' charge en all now 1) purchases, 2) balance Irrlsfers, 51 special - Far or.N. a overno phone, astir die busier... day we,ewisa it. as lung as [hey are made by 5 p.n. ET. purchases aid 4) other changes. Hyfu Its. beenvaytng We, a -unt in full W.dr no irnerstdorges applied arid you For m,led;rayrirs, as of the business day we rune itis beg as: lj you send the bUlmm lwnbn of this do not pay your hart bill in for pa.wd irerestchrargas wall be assessed. Time isno greee ;­d on cash achiincas, statement and your check In Ua ercosed ronitn:uer,xaos, a 2) ymn payment is rceemeeci in one if e,,:r ,Mdali <r'e,a, of fi lany 'raw,ansecten wonev there i— ampold aline, - rum a pevbus bf. Jules,.- cent- `,y5 p.m. Kcal!: ease a::..r. daysro: trial delierry waled pay :a;rts How is the Interest Chat ae applied, Interest cta •s—ou fren tlm l) date of U,e finer r.6pn, 2) data die me : :vad by us at anyothe, I ar:mu or or any other form may notice credited as of the ny we roilire them. aaraaaon is chuhu ed of 3y list ca'endar day of the Clung perkd. Inten+si charges acme one —Y unpaid amil Do you Prams Paper Checks as an Electronic Funds Treard Payment; will be processed in one cr two unel it is pad in Id This meals you may ttiro her , charges own dyes p.y the rrae - New Berton¢"e-re - — When you p•orCe a check or mecc infuhratio, 'o :mlake a paynen, yt ; omtorn us err our a .mss t o use.!he outdid ngidaax for U previaus month. Unfair kd 11zlestdi3rges are added to the p:operxgmentel year ACCouni. e'danmalbnty nlakeaanc Ume ACH Uat waanwothem ^ectiv^,Pic turd Uansfel franycm dvpos•tac cuvR We may How;wf, wa hassene, the right to nmtaka55 ihfue9 d,a glu atanytime. a'so rise the rhunation top res thn payrnenl as a check transad'sn. Do yauassessa Minimum Interest Charg_e? Yes.AmrlmumlNIERE51 CHARGl'a"V -SDwyl Neassesscd Poreach What if I N, far Bank,. if you are furled to harc opuy omterbn, U,is wnenuni,ouan is fir irdormauen bilh:g,.engg Yale, a subject, tea Te :Ps charge, ciody.l is hater. shrimp, w rurt, asses c :'•awver ada0:ar calm. Dia mansard us payments w: :eerie speak mg with How do you Calculate the Interest CharoeT W use armottled wiled Aw,aae Early Balance (including new Yaw ber,nuptcyattorney or the N'toopu.yCburL If ytue at your anainry would foe to coroadour tanbupicy claims tit— ' method, wei fist atulate your daily holance; far .,It su.yreM, 1) like -he hrgart halanw serwe, dkeuly, please almact Caahal Dml•PO Box 30 :285• Salt title City, UT 541300285 and add in rew Ver,sattions ad t:c peredir. fuse t charge on me prelmus days balan, then 21 sub:•a4 any. BILLING RIGHTS SUMMARY (Does won Applyfo Smarl BUSinoes AC/.yxmic) payments and aedhs for ihaLxgmerd asof diatday.Theresult is dedailyyalance tar each segment HUrnr, it you What TO Do if You Think You find A Mistake On Your Statement if you think there is on anal on your pad your pervious oll balirw in 0(nr irynurtelancewas zvocratiodo mnun0, rewiamaxctian; which tiisC ialemertwce to its at: tv yy.m pmdrasecr sfntiah pe.tham segmxn5are :rota laod Lo the daily balances. Also, tar,>xtivns Ua[are suhja¢U a grace period are hot added to the dairy Winces. Capro ure Nest, to Find your Awsage Daily Balance: 1) add mo daily haanws together far earn s?grxnl. anri 21 rLvidc the sum by c.0. Box 30285 the rei r n! days in r1 =e dung .ryde. .a l laku ury, UT B413G 02B5 Aniheetd of each billing cydu, we derermine your breast Chzga as ronaws: l) mniripry you, Attage Dally Balance In Yuri[ultar,giw us tip fullwi)g inirormalbn: hythn dairy perkdic,ate (APR ifi,eed by 355) lot lharsngmenL and 2).oulhply me ,esull by the number o' daysrn[tie • ACCCUntinoinla!ian: Your name and armunt numtlet. bl r ¢l NDT.`: Due to mUldilg of nmmem lrneresn c"mde, this aak.la•gl may vary furr, 1t :+[,waste : : - rge, - Dolan :e The dollar arnmerr 0 he sAlacit erle. arualvass...sec. - (xsc r...r oiF„Lk ye ).. :r :k Cfert is an erne, ortyou tE; describe Meat you ba0eye isworg ard why ycu How Can my Variable Annual Perceta0e Rate (APR) change? Your APR may Increase or decrease bassod on one bC11CIT • I'. isa lRl >iakC. of -he following repaned indices (repotted in T rc Nt ;I SUM luunreal to fired which index is use:[ for ye.^ a!zounL You mac ce^iact us wR it 60 drys aloe h enm appeared nn your alit Meer. laokfmaletkrr wde 'de ?:cot of thist em sr; reKic your AP: .1 drzr - :e -.kthe rode lrtldw You mu- ;.hold usefagwruntiderets in cuma•ca.lisornetd uselenorh�.all,b:t' Y S >ILS =-,i:L '! y Y> y it ycu cbwe'are Code next to your How do we calculate your APR($)? When your APR(,) ratiequimdmir, stigamany poenlial errors aid you may have tomythe amount in questbn. We will rotifyyou APR(a) Index+ margin (previously disclosed to you) will change h, w�iiing 'i:hrn 31) days of her ri if eipl of you kne. P Prima Rate + mamm i.e first day of der filling pe-iods'ha; Wmle ws impel wh(tMr or not there has been or c,,a,, the lalovrcg are woe: L 3mardh LIFOR +margin end m)an., Apil• July, and 00. We cant try In calk::l '. the amour,tmq- tiur,, or epanyu ascidurc,ueuton ta[ancora. D pr Mir + :.r:n r: fat drys, :rich -Thee "m m es.:o my mmanonyaLstzlnenLatd womayonenueu tr.}ru for get th;amourt I m.nlh LIBD3 +martin n, y,.lIm Iarod. But, if We or di we Made a m(r.l e, you will that haw to /tie amount i ll cuesicno. aryrrc<usloralhel tees related to tat amount. Am the re Additiona F ees associated with my account? Y_-, unchal ce la l, cl• um s 'ice 5 you m' y be asseti:d a ' V'M you as 'G lean, to :lay the err c4 : fl G S'xn Ulll' YFC solid you a IY'Etg doer:: �b OVlrg[fIC � C4r LatavfRatuB,ed Pays. -t fee. YOU moya:>a beas5 , a'alCs :rlim.t'Ice>np_m ::.i allow. We lase se ::e rgh[iv not rweFyaoa.,, yJ ;ar_re,pp'tFOb ;unit,¢ r_t der :your in drca. assess lies wrhom prier auhm and w4th0u; waiting our right to assess a 5 elfar fee total We can apply any un ^ad atrgurdagamst your oedtl limit. How an l Avod Membership Fees 2lt R ewI \ctg a, t der dsr t Ityis . ;rm. you y and Y ":n Jdaysif o.: of yc' :'L =Pur we wrlxrd yrcua 'er ends xp...irg either Catwe,,,¢.loci :'' ^.a payu a;r:ral erSe•. fee bye ma.v c,.r .:.x o, fe mc n ceysalmrth la -- in n, t,l ing emrl,,p.p ,,n yon next .;ale, ntyrrthe -e, =.sr. ^ewe he eve t'e br :um rczt. ryde cc Bred by this - tatement b request that we dose your aaaurtl. tb asoid paying a m, 7^ y ma tors[ ip fee, canted Customer krvi.ce anytime la ,rou <t Ur.: ore dux: yew aaounL ard we will crap assesslrg your mvntl!!Iy Your Rights If You Ate Dissatisfied With Your Credit Card Purchases. It you are dissaUSfied swUl Cie goods of membership tae. servxas that you have of rhzsed wth your eadnwrd, ard you have tried in good faith to correct the prgblem with How an K lein, A ®ins You car wm ;act Crsstpma. 5e:,. err ar:e [u request chat u2 clo ,our acccunt A[ ` "e m t - r S y ou may hate one 19 ruder pay .,t, Tema - g ar o., � sue on Joe p" crease. To use d.is rent, the that our. vm. "l exdhr a ysca step. to a.lu :i ckwue Ind d o balance pay flown into earn ard Ir,l. es (ol r)w gurus d' hue.. Pease rare U at I: un you - tied :card ard.gas past 0yur d,cuumercet yousak us toe lose n, we vn lea. ?you, 1) You re use mu st flad s n L credit card for en m Chia. Puchasmace wifli sir achereaslmm anAiM it writ a ac;:ountgprn. che;:k, : :?t aceses too -ditcard « d. ear quality: ar.d What happens if my Account is e_i We may close er s.spud your awuntaid yr. r org ,: la cbter,rrdn 2) YCrj nest not yet ha f6i try pea fe r hee prthasc ar uY time aid it, any - 1ear, v^ hyCU - ,at in de :aiLAcco ufit se,paasan can by Werne la lum ;pmry - ff IIa'Iofthe if 1,6'a aopw a, and you are srifldss.tnred with the pmc lua., ennrac.rs your ass ht is closed or soulanded you ml p sun useg your credit card and >fece'r, 21 cancel all automatic Cadlal oce payments,5)ceivoy a'I credit cads and acc:sschetks, aid 4) pay all tmgurns you owe us, even if they min, charged pp yux302135 ale, the account was closed m suspended. 5ah Lake Gty, UT 5413002£5 Howdu l Make Payme At oly fine y ou -y pay ir.oin remum paym-ri, the talal unpaid bad— ,orar•yamount ire beuveer Nym'Ws may be made n, .weer: ways. Whoa we evw the sa ros 3rn1 to the dish.rod amount as discussed stele. Neer we fim5h cur tlorl•rn byge gto$wrwcaui'ahne.ccmznd lagging ism our ac itwugat wit, wl.Ital you oil deosgn ht Ul tpeinL ihve.hfnkyout,we an a'raumard you do rolday wo may 2) Telap 'ort.VGea4spaft.nys.cmbroili 115)]}9557070a.0 ralow•iy the rps nrpr :a -. Yd.n y:umae,a reper you is hotImuenl. fiffolem payn.7Rorgh no, wrc -e -aye :n youa forur.'t r 1C cro'ban c p,yi :n ;h:veil f O a ilicans infratio.. p`ary p.rrg s.,l our wr hs.e at vn 6111lone.tun be dehtdro your rw bank ,m. rued, may he mild,aw•, from you bank ahcamt,steor a rte same day wi 07011 Capralone. Capital ones ifedealy regnt: ru%rirl mark. 14higMs rr•- xfved. process ter p.ymera; t Caning gun thphone number 1 500,5£ - 707) ard muwdirc you, trh) rlmitin to our ,p,,, o 4; Paymrme l;y mad stauld be scm to the mdfmg address Puelded omit, to ltom portion of this Fah:naumrl. EI4k3 IirAJ71 Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ............................................................ ............................... we process your payments smoothly: Home Phone ............................................................ ............................... ..-.. • Don't staple or paper clip your check to the payment slip. Alternate Phone ............................................................ ............................... • Be sure to use the payment envelope that came with your E -mail statement. Using a different envelope could delay processing. .. . ..................... Address .. ............................... ... ............................... • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink. number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com C,apHal Page 2 of 2 Customer Service 1- 800 - 955.7070 Mar. 07 - Apr. 06, 2012 31 Days in Billing Cycle www.capitalone.com World MasterCard XXXX- XXJ(X -XXXX -8062 Revolving C redh limit: S30,000A0 Available Revolving Credit: $216.99 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit limit: $15,000.00 $29,783.01 $622.00 May 03, 2012 Available Credit for Cash Advances: $216:99 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $28,270.61 — $600.00 + $324.66 + 51,787.74 = $29,783.01 TRANSACTIONS CONTINUED INTEREST CHARGED {CONTINUED) INTEREST CHARGE:PURCHASES $324.66 Total Interest This Period $324.66 TOTALS YEAR TO DATE Toral Fees This Year $35.00 Total Interest. This Year $1,287.90 500789 co QC)( Ca� Look what your miles could bring... Travel • Gift Cards • Merchandise • Cash • Experiences and Events • Charitable Donations Q✓NoHassle rewards - Page 1 of 2 Customer Service 1-800- 955.7070 Apr. 07 - May. 06, 2012 30 Days in Billing 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: - World MasterCard - - XXXX - XXXX -XXXX -8062 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 $29,562.89 $610.00 Jun 03, 2012 Minimum Payment 33 Years $60,707 $995 3 Years $35,808 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: $24,899 Revolving Credit Limit: $30,000.00 Cash Advance Credit Limit: $15;000.00 If you would like information about credit counseling services, call 1 -888- 326 -8055. Available Revolving Credit: $437.11 Available Credit for Cash Advances: $437.11 LATE PAYMENT WARNING: if we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penally APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $29,783.01 — 5737.10 t f314,80 + $202.18 c 529,562.89 TRANSACTIONS CREWARDS INFORMATION PAYMENTS, CREDITS & ADJUSTMENTS FOR ANGELA R MURPHY #8062 PREVIOUS AVAILABLE REWARDS BALANCE 6,402 1 19 APR WEPAY- CENTRALPAOPEN8554693729CA ($37.10) REWARDS EARNED THIS PERIOD 208 2 20 APR CAPITAL ONE ONLINE PYMTAuthDate 19 -APR ($700.00) (reflects transactions posted during this billing cycle) TRANSACTIONS FOR ANGELA R MURPHY #8062 AVAILABLE BALANCE AS OF 05/06/2012 6 1 07 APR MCDONALYS F4619CARLISLEPA $13.17 2 09 APR WEPAY- CENTRALPAOPEN8554693729CA $37.10 3 10 APR STAPLES 00108704CARLISLEPA $58.27 4 12 APR GRACE NAILSANKENYIA $15.90 For up -to -date rewards tracking, visit 5 13 APR TARGET 00017913URBANDALEIA $42.19 www.capitalone.com (INOHdssle rewards - 6 15 APR DSM CAPITAL CITYDES MOINESIA $8,67 or simply calk 1 -800- 228 -3001 7 15 APR R8 G03 CINNABO20251039CHICAGOIL $10.83 8 15 APR PARADIES # 034 Q02DES MONIESIA $6.05 ► Total Transactions This Period $202.18 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. FEES Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Total Fees This Period $0.00 Purchases 12.909'0 $29,692.76 1 $314.80 Cash Advances 19.80% SO.00 $0.00 Transactions continue on page 2 P,4D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5466301937878.062 06 0000000700000610005 Account Number: 5466- 3019 - 3787-8062 Due Date New Balance Minimum Payment Amount Enclosed Jun 03, 20,2 $29,562.89 $610.00 C::= GO PAPERLESS! PLEASE PAY AT LEAST The trees will thank you. THISAMOUNT Sign up at www.capitalone.com 400010 ANGELA R MURPHY 753 WOODFIELD DR. LITITZ, PA 17543 -66D1 Capital One Bank (USA), N•A. Illrtrl Charlotte, NC 28272_1U83 nIIIIIrIIIrrllhlrLlrIIIIIIIrrllulrrllrlrlllrllrrllhlhlrhd 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 enroll at capitalone.com /nohassle 2. Click on the Rewards Summary tab 3. Click on the Explore Rewards . 4 rewards' I(nuaidr progmm fetrirm and terms r»dy' ,vey: P2012 Capital Ore. Cdpiml One b a fedcralo rsgirrrrodst r, ire vnark. All rigbrs rrnrued. 002 06 How.mn I Aydd Paying Interest Chan i [ad, month you fray your 'New Dalarce. In full, you will hart a Whan will you Creda My Private •minimum gram period of -75 days wth .rm ertre5l charge al a'I Tarn t) Purchis s, 2) Urlence nmal;ls, 5) spcdal fat onlre or ore; the prone, as of me busit«s. day em rernn2%s long as sky are made by S p.m. ET. Purchases and 4) care, Charges. If you face been pafnig ruraunt tco in full withr. Interestd mges appal aid you lotinailed paymera, a of ine'bus!nesc day we rcmft Jr. as bey as: 1) yousriid iro ililtromfgrI" of Rdc do not pay rin.n obill in (OIL parl trtrestdrarges lAl be assessed. There is to grace period on cash advarces, startni l and you check in do rarlopt. are 2) your payment l;ramitcd In are of cur soed;l frontiers,. an any lawbar!saapnd rl time is an unpaid balance I= Invous bill. pmcessyg carters by 5 pm. leaf era Please, a'ow at least (71 business days b; mail daiwny. Mailed payers How ethe. lmerert Charge appliedt lnciest chopscacrice from the U date of Ulu, hamadion, 2) dare. the ntneC.yvs at arryelhrn I.,Yinn m in arryadrcn fa;m. may not becMdOd as of the day am Teadr .them. ,oaresection Is otursssed at 3) fist calendar day of do N,,,,j pedod. lnlemst ch rgec •accrue i n envy rmpaid anmum Do yod Process Paper Checks man Electronic runds - Inutile payrtkn'S vn :l bC moaxsrd h one Of Cora urril if is paid in lull. This means you may are i'Uies, cha+sc cwn Hyou ply the e(tfc 9I2w 03'arre' arm month, ways: Marra you prank a check or dock O.,Jol - don to make a parrm )vu amMrbe us. at aoera; is use tf e build naidpw for 'Itc pieviDbs rnrNC Unpaid'rdeiatdargCS etc added to the pope segmaniol you AO=L infDtmst'rrt to : mftd antic ACH Unsrictonaloller;dati fud'ovisfer6onyour deyips :dCtoulll5'e may HOVa:wa, wo rexwe the right to notasa ss inrc :es7 pages sl any pre. also.ux damormaliori to pmcess ere: payment as a rhtd aa-,sadim. - - Do you assess a Minion um Interact Cherg_ ei Yes. A mnimum INJEHESTCWOE of 10-50 A ba assessed fur ead; What Hlfife for DankruotM Ifyou are ismod U W irupcy meson, Urn commuflicaralfs lot Harmamin Wining period your account is sued to an krcarpsi large. only. Us ratan ammo to col err, assets or reeomt adab!at skim. W notserid us payments wi,houtspeatirgivth How do you Calculate the: InterestChanm? OR mehad:Ared Avetaee Daly Balance (Idudirg Tree, yadn harhup!ryanomey ortne 0arfaupty0 lfyou a,y!urarroncy pike rocontadeut banknpcydaims barrsaaore).UmdzT Udsmmfod,we,usicaWit^_)our daily batatrcC for each sagrrc;d, n takafne leginning balance suven crr'dy,P'eax contact Capital One• PO Dn30285•Sid, lam city, UT hiO300265 and all h raw VansacUons and the perkdr.. interest d alga an the pteNOUs days balance, Often 2) subtract any BILLING RIGHTS SUMMARY (Does rvor Apprryro S,rRHI Br5)neas Attnnnt5) oaymerRa arda�askithatsecmann mof drat, day. Theresfth dredaily balance far eadtxgneril, Hzira, If)ou What To Do H You Think You FM A: Mistake On Your Statement: If rut think drcle Is en error on your Pad year pfclefous menth's GNa;m in lull (or Tryout ba,ancewas con 0;aaedilamounO; flew tiansacdoas rArkh post sa!enntvir, 1015 at to )cur putchaseer spot:N1 p.duaU segment, me notadded to theaaily belatrms.Arm, tansadions that area,bjW b a grace period are rrdl added to de daily balances. Corsi fr. Nest to fad pus Artrdga Dally 0alano: 1) add ilea dairy balances mgeffar lm oath .9mo . and 2) divide Urn aunt by P.O. Box 3we!l The numiaci of days in ttebirlrc cycle. Salt lake city. UT 8 . Atitre end of ead; baring cyd,, wo cipmTmme you inner an Ctatge as follows:,) ml uliply you Amage Dally Manua In yourkner, ghs us Cutn fdl -Iig wo tration: 4y the daily Onkrok late ( AO R' drided by 355) 1. that eg• nm0. a,:$2)munipy the rrsuk by tnc numbmd days in dm • Aaaumlrewitil n Your rame and =a Oft numtei. Jul irg peied.NOiE: Dec m rounding Or a nerk::um Intel. ratMmbe. this train lation me/ nary from Ii inlmest cbege a Vohalamoant TheddlaamnMolatmsuWtedermr. acua!1yascesed. • Da"Itio 1offtbli if you ttlinktbete tartenaranpm bill,dsciibeffial you bdICM worg and by you How an my VadaAk Anntmt Peranine Rate APR) change? Your AWt may lnaeasa of deome based on one bdxm it lS a 6slikr,. of tire follovA19 reported indices (reported in The lounwp. To Otrd whth hdcx F Used fat your a¢auo, You m up. cuntad us tvlhdn 60 asys a!ic, the mra. epprmed on yet. Mnta.,er,L look fora lento cede on Ile G.a of lfris #::mmantrn:tayou A➢Rlsl. senc5eckt'e table below: You must notify us ofany porntJ4 enters In vAkttp. Ycamaya'I user rmdfynusdemordWiA brut if you do vat are Code manor your How do we aladate your APR(s)i When your APR($) aoteclulved m imesigate any pmcnial enoa aid you may ham to pay the amvoni In orues+ion. YJC W'I natiyy.r APR($) Ind. + m_aron (previou sly d'adosed to you) willed rnge L1 t1' liliAO when 30 days of Our rmipt of you; letter. P Prune Ram + margin The'firy dayof de 'v(' ds dram Wh lirq peritile xis irmajore wfedeh of not these has beem. Ua an ci , (Drown an: (for: L 3month LYNN+ —gin end in fan., April, July, land Oct •V�ca,.of by to mlkd pre arrourrtinli—don,.reportyou as d4ro On that amount. D mime Ram +marbm the first dayydeactr •The detge.md!as!ion may«mah on yoer YateermL and wo mayccrti ter w charge you Interest on thatamaura. F 1 rmmh IIROR+r..ar In month) tidy bd: Bid. If weaeennim drtrte made a m'srke,you will not ham to pay the amount in Duesion0; aryPT, rest of Dote, L=es « tired o dv am tali. Are thereAdirtionalfeet associated with my aamumi Yes under certain cirumsarars, you maybe assessed a - While you do. Rat ham tO pay die amour In queshon until wit send you a rfadce about tie oveore of our threat fic u ned Payment in. You nt loo assess) Ot °dim ticcs f lermiU.J 6y law. We reserve Um Ogtt 1p not instigation, you am (espo" for de rer;ainder OF)— wance. assns Ices wmorl pro. nonce and w!thout wain jai; rigk to ssy:ssa Om;ndr fee la,.. • Yvv anapply any ur;paid araunagalrrt yaurnedil limn. Now an I A,,oid Membership rees iif 4 rmnmsat Nolte is mimed ors the iron of this staienmm, you mayamd VAthmgo da ysafo Urrr:criptofynurletm,vew$ISOnci araitterrrcok,plaia'rg60ttr, drtweconedld the paying an aarual rmtribersttlp bee bywria.cm Clet=t Strm morenhan 45 day5dref Ue lath day in pro billing enei(o appA On your mrs`.ammerrUor the teaxnswo belmm.ihe is inrtfJ. yfe covered by This statement to «cues that wa doe your atceud. to amid p:yag a mondrty membership ten, Your Rt lets If You Are Dissatisfied WHti Your Credit Card Plndtases. ll drtsadAicd.wUiUle goadcor contact customer server anytime to trues that wC dose your account, and vet vRI crop assua i1g your monthly g you are memfeubip fee. ervicesthat you ham onrcherd w•th your aedaard, and you ham tied in good faith to correct flee piabldn Wth the" maldrn4 you may ham are detrt roatta pay the mca'nirg arl eve on ft purchase. to bsc US fbbi. no How an I [6se My A ®u oQ You can amact C;�smmar SaroiCa anyime ro reque <t Ih8 vR ebse )ou aGCOUiL At (011owin3 must b: pu¢ dad,dne, well option any addaipnal sCpc to mind ctorum, Indla!inaba',a pay dorm udorra5on and lknefnes. )YOU mfrs havered' urcredrtcadfar Vic puuha C. PUC smadm Vdru radvateesham sit AIM or rridra Peax note d,at9 pi OR yeuruedtardarcl W. cost toyouraemunla`frt you ask us otiose 4 sec can krepycu )o aruntoper,. - deck mat a=."- your trod, uni=vntdo mil craf3y ,and What hepperaffmy Ang,um H Cusy�drer We may pox at sysped your auoummd your Nlit to obtain credit 2)Yeu the n eri - l a eve lu 1adYou p chax. at Any the and for Anymacnrr, even if you are not In default Account susfenson an be Fernanm ar Mm;nrary. it Ilalloldc;r'Garia abor,' ?le me!.ar.C)ou are sCl dissa,is0ed x4nn the wrt:lse; mnleaus in mairm your account B closed at cunperded Pu must 1) sop asirg your aedlt cal and arnormr, 7) cancel all automatic readvl one ,paytmras,6)dwoy all aeda a'dsard access chede, aid 4) pay all amounts you awn: vs, even If they stem orged P.O. soz 36265 are, the accoud was dosed at Paspendcd. Soh tekt Gry, UT E41 3O,0285 Now do I MakePaymeTrcn Atarrydm s,ycu may paytile mr+anum payment; dicubf unpad batarov, 0ranya srou:d inbetraeiu Paymr1rr-maybe made'sr sn Ja! wad rild:o we mtestigaiC, to wrnc mks apply tiro d5pufd amount as discussed a6c1e..Axr we Mhh our 11 Online by 9" to wvrw,raalydone.am and lagging ft you amours: nne agaton, she will tent you our dods'an, �t thatJ ofa N rx thnk you orro art arnountafd you do Trot pay we may I Telepfane VoiceR.spom Syrzn 4ddlrig1- D?}p55-7070 and fol - qde wlca pmmpY. When r. make s 1�nytu es ctrl :ncucre. phc Payrnen Rnatmh an, i wry recponsa n � syami, youauitmirmlwolniivace arruKH O; eled i ps ronyeant chatvn'I Caaiul One.svr�ons inlornuarion pdtary pvrenon :mvur va:l5lh at rmrw.aPtalone.am Ic dabled from your bank accaun. runds 'r XM,d;arm fro•n yarn yank armum as eon s lye ssna.day we Rj 201 I L"em;al o:,e Cap'31 Ono b a (edmefly reg'em.ed mMn mark. AI r'gMs resmued. 3)QV7 pays -em: 3) rAl!uq ou tekaMne rnam'xr t-M955 -707(i and mmrtluc, yom Infelmalkm b our neprry - mL -'aver 4) par. ersH 11 mcit should is sore to Ira mad ig address posndzd on Rile n.rom pal of Ih's slaemme. fIC4)B t,rAy, I Changing Address? Not quite ready to make payments online? Add ress:...: ..................:.................................... ............................... No problem. Follow these simple steps to make sure ..............:. ..................I......... :.. Q we process your payments smoothly: .. Home Phone ............................................................ ............................. • Don't staple or paper clip your check to the payment slip. Alternate Phone, • Be sure to use the.payment envelope that came with your E -mail L? statement. Using a different envelope could delay processing. Add ress;.:.....:.......:: .......................................... ............................... Please don't include any additional correspondence. • 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 Capttal, Page 2 of 2 Customer Service 1.800- 955.7070 Apr. 07 - May. 06, 2012 30 Days in Billing Cycle www.capitalone.COM World MasterCard XXXX- XXXX -XXXX -8062 Revolving Credit limit: $30,000.00 Available. Revolving Credit: $437:11 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: $15,000.00 $29,562.89 $610.00 Jun 03, 2012 1 Available Creditfor Cash Advances: $437:11 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 529,783.01 — $737.10 -I- $314:80 } $202.18 c 529,562.89 TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PURCHASES $314.80 Total Interest This Period 5314.80 TOTALS YEAR TO'DATE Total Fees This Year $35.00 Total Interest This Year $1,602.70 500824 QfNO HdSSIe rewards" Explore your miles with your mouse. Click over to capitalone.com /nohassle and find ways to earn, redeem, and keep track of your miles —all in one place. Capita - Page ' of 2 Customer Service 1-800 - 955.7070 May. 07 - Jun. 06, 2012 31 Days in Billing Cycle www.capitalone.com MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: World MasterCard XXXX- XXXX -XXXX -8062 Payment Amount Each Period If No ay Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $29,649.53 $623.00 1u103,2012 Minimum Payment 33 Years $60,876 $998 3 Years $35,913 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: $24,963 Revolving Credit Limit: $30,000.00 Cash Advance Credit limit: $15,000.00 If you would like information about credit counseling services, call 1- 888 - 326-8055. Available Revolving Credit: $350,47 Available Credit for Cash Advances: $350.47 LATE PAYMENT WARNING: it we do not receive your minimum payment by your due date, }rou may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $29,562.89 — $650.00 t $326.56 + f410.08 - $29,649.53 Renewal Notice -Your 07/2012 bill will include your 519.00 annual membership fee. REWARDS INFORMATION The reverse of this page explains how you may close your account and avoid this fee. PREVIOUS AVAILABLE REWARDS BALANCE 6,610 Both sides of this page provide important information about your rate(s) and how your interest charge is calculated. REWARDS EARNED THIS PERIOD 513 TRANSACTIONS (reflects transactions posted during this billing cycle) AVAILABLE BALANCE AS OF 06/06/2012 7,123 PAYMENTS, CREDITS & ADJUSTMENTS FOR ANGELA R MURPHY #8062 1 04 JUN CAPITAL ONE ONLINE PYMTAuthDate 04 -JUN ($650.00) TRANSACTIONS FOR ANGELA R MURPHY #8062 For up -to -date rewards tracking, visit 1 20 MAY GIANT 6112CARUSLEPA $62.28 www.capitalone.com C✓NoHassle rewards - 2 20 MAY WANNA PLAY PAINTBALLOILLSBURGPA $137.80 or simply call 1.800- 228 -3001 3 02 JUN ROYAL CARIBBEAN CRUISESOO- 327- 6700FL $140.00 4 02JUN ROYAL CARIBBEAN CRUISE800- 327- 6700FL $70.00 ► Total Transactions This Period $410.08 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. FEES Type of Balance Annual Percentage Balance Subject to Interest Charge Total Fees This Period $0.00 Rate (APR) Interest Rate Purchases 12.90% $29,807.70 $326.56 Cash Advances 19.80% 50.00 $0.00 Transactions continue on page 2 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 5466301937878062 06 0000000650000623000 CRW W_ Account Number: 5466- 3019 -3787 -8062 Due Date New Balance Minimum Payment Amount Endosed ORGANIZATION Jul 03, 2012 $29,649.53 $623.00 MADE EASY PLEASE PAYAT LEAST Forget the filing. THISAMOUNT Manage your account online and simplify your life. Sign up at www.capitalone.com 400011 ANGELA R MURPHY ) 753 WOODFIELD DR LITITZ, PA 17543 -6601 Capital One Bank (USA), N -A. Illnrl 3 Char ' lotte, -1083 uIIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Explore your rewards and redeem your miles online: 1. Log in or enroll at capitalone.com /nohassle 2. Click the Rewards Summary tab 3. Click the Explore Rewards button QINOHassle rewards° Rervareb Program fedturrs and stems may vase (02012 Capital One. Capital One is a edatally registered service mark. All rl ghrs raerned. W2 06 How.can I Avoid Paving Interest Charoes Each nude you pay yo ;r "New Den roc' in TO, y ou will hale a When will you Credit Mr Pavmenc minimum grace period of :5 days war no irnees: charge on dl now 1) perhays, 2) balance uarisfars, 3) special � Ear onire or Dyer the Orono, as d are burliness day we mcbive y a hang as they are madeby 5 p.m. ET. puu:baes aid 4) Ortiz, chalgc.s.Iyou ha.e been pap ycuracmunt in lull war no inrereatc1­cucrsappbed acrd you Far mailed payrnonts,escf the businessday tvt mcaeec it, as long as: 1) ydusend the lwtam prtlon of this cio et pa Lll nlrr4fdarard IT.,. ;xs"cherae, will be asssscd. T :._ee is to gracelrrc:d on-1, ad.rtcres, sourment end Put (ht'A rlt, ;;:dosed e- lea :rum ennlr,x, e 1) you.caymet I, evna noneo•r•, special bar.shns, it or, ery rew:ansaUon wren there is an unpaid'catance :nom a p emus hill. aro ,wrg s:enters by 5 p m. local J: e. Please allow at lea - (Tj blOwsrs days to delivery, Waited pay -rrua, How is the Interest charge applied? Interest changes accrue tram thu 1) dale of tie tramacborl, 1) dam the keeled by us Many Wirer kration m m anyather imm maynotba credited as of the daywe remise item. bacxalcn is pmcc.xd or 3) hill ca!endar any of ^re t0 rg w,lod. Inmrest (large; dccwe an ev_ry unpaid a,bunt Do you Prornss Paper checks as an Electronic Funds Transfer. Payments wit be prox. —M in one of rvn un.iI it is paid in lull. This mea-a you may cvae mtzrest cHa ptc ern dye, s ; day the cnhe'Naw Dalance'ene month, ways: W.nan pu pu,,io, o [hack or chreck infornraft, b :-lake a p=.ymem, p r a,ttnrim us or curayr., ^v ue the butdd not do w for the previous trionth. Udpaidrnerest lodges ate added to the p•operxgment of your Account. Lnlmmakri to mako a one UTt ACH Uarrs( ton or Other acoQnic Mid Uansfer Tom your deputacceune We may Hctw:ml, the reserve the n I !a rot a sum ru:..5l drarg sat l ahw u e Ile "fo ro procass the p limem a5 a perk bausedron. Do you assess a Minim um interest Charoe? Yes. Almr:.lmDO) INEREST CHANCE o"10.50 veil be ass=_sscd far dz:.h What'rf l file for Bankrurrtcr Ifycu are emJed to Ga n ;pty petersr, this co— dniation is for infmmarb,' billing peeled pu: aunu:r: is subjaq 1c an iM.erest r.Mlga. only.![ is nvten attempt b colle;.t assess cr rzwvzr a debtor cia- Do nctmnd us payments without 5pcakirg W th How do you Calala[ethe IMenestCharge ? Wt use med!od:zled Average Eddy Dala few your Da'Wu('t deereyc Bamkrutol( u.L Ifyou or yams It I..ey wodlye b conGCteu• landupt.y clams barsattum).Lh rder this me ;lxx), vFirs[acdlate yeurca ycvl.: ,.c. c :car. -9 -nl, s) take' a rog"ring ua4• :ce r..rvx J..e :y,.peass m : :at. Ca sal Ore• R} Dax30i6 Sa.[lax.,ty.t': D413CG2 @5 and ad in new tansactons and the p erio6r: interest charge. on -are previous days balanw, then 7) subbact any BILLING RIGHTS SUMMARY (Does Nof Apphyto5enau Brnince, Aanunis) paymmserd aediulcr thaLsoomem asof thar0 y. ThemsWtis dmdaily balance far each segment:. Hoverer, if yen What To Do If You Think You Find A Mistake On Your Statement ff you Drink there is an enul 0n you fuddle =. :pr.vious sev en' s balance in full (at it ylur balancewasm'o era(Ied a.:c-un0 .sactbr; ,h ch xs: kIe ^3ntw'helo us al: to yam purdascaI special purchase segments are not added to theciaily ualadoe5. Al -�, vcleactions lhatare %hjzab a duce peeled are nit addzd b the daily thalantes. C'piwl Dam Next to Md .3,,n : 1) add the daly bnms ttrar ata tage for ca- :h segen, and 7) d rude the s um by Ko. Box -10285 001 Avera 9' , trail % -t lake ;Dty, U, "13002e5 it,, numtmr cf days in the ailing ryde. Ailhs end of each billing cytla, vex det-ride your lrneraA Chmgc as followo 1).1,11ip',y pul Average Daly balance In yan, teller, niw. "'the fallowing info ni'linn, byiregayverep - rate to hitvaad by355ihn oarsegem ,a.)u),...;Itip'ythe,nsulr bythe number or daystr the - Aawri nul merino YOU: na•ceand acccd bellied (x•r call NO'.' Doab murdiny or a.nn mum rrnarr.. m - g ,Ur cak.dnc may wry ro'4 :, inn, I ri - rgz • Oases au tn The rid ar .O,,W o 4 1 ; h, sspe ;e aenaly cnal asszssen. - Ixsnn of Rcbh:nc H you trunk there is art or m oI big dusentx_w,iat you ochew iswong end wry yru How wn my Variable Annual Pe If" Rate (APR) change? Your APR may Increase of decease based on one ock'm 1.5 a mistake, c' Jre follavrirg moor ed mdlces irepdned in Phe 'dayl St eetJourrrad. To rd oniub inch Jsed for year arcvunt You u.. o; °!act us w`7 e E9 'ays aftm the error appeared on pert statanen, ,deform hnav rudeentlx!Dornafdr, stnementronoto ydur APRs,. ou c`leckdelulble !claw You must muryus of any ptnenllil euois i wmibj YOU maywll usor m7nfyusele- Tonically, but it you do% -mare Code nertto How dowe calculate your APR(s)? When you, APR(,) co tregdi redbinwslinatear: ydnon, iAe urs and y: u may ham topay the atn :ewitinqueston.W'ewi'Incityyru APR(s) index + margin (previettslydisclosed to you) wi112 ge L .thm r� deso`on, e;trylorYon, ate.. P Pnme Rate +matgm The first daycl the billing pedodsthM While - inveshgale w;ethdr or not there has been an over, de folnw,g are true: L 3monlh 1.1871 +margin and an., Ay if, ,,ely a ^d 01% Al, canrxst try to .1,:i ant r'Ina,iebru repr yo .s ddmquantdn Hat amcura. D Frme Rain 4 rraren T Irst drydeach •IDe ch rge nGrs:>;m.yrem !n onyc ;stnnmantardsvemyc_n[sueb rgeyr- uintermonthatamount. I m'n11h IIBOR +mmr,.rr urs d a y i t rand. Bur, If we detm a ono we made a mistake you will not have b pay the amour n questlona aryrnc nest of ether fees related t o drat a : ,ult. Are there Additional Fen aanciated with my atouM> Yf:s, under cc Lgi lzurdsa,Oe.,, you rnnYoe w5asa d a ' I a you ou not have to pay the are - in qr e — O urdl we semi you a notice aura t "c CI.COme of Jut Late or Reburied Payment tee, you mays Do assassed Orildrudocs if pir mled by law- We reserve the f to flat rnzs yalmr puare responFbk bnfc rem mndu o: your balaerce. assess firs watem prier nchce end wimou; waving ow rigor b nsees5 a sn *acts lee labs. W;; can apphy ?rry un;ad annount ag + -rm your nedil limn. How on! Avoid Membership fee s 2 if a P,.wal deli: e is Ol-d on 11n ' , ttlhs seem' yo" may awes Wlthnt 90deysef Our rs im .:yc- .1 low, we willserd yen a finnan rof. elpiemirg albino thaIwe conectvd re payxg ar, annwl rum nbemlp fee bycrnracnnm c.vrna S c—, nor non'. lien 45 days after the last day in true idling Pri fb= pparcn your d talamen0or the reasons sex; -hale the hi is pnPLt. ryde ccvetod by this state me II! to see ea that we close you account to amid bay ng a me r:l me-he'.hlo fee, Your Rights If You Are Dissatisfied With Your Cred - rt Gard Purchases. fl you are dis Urredwrh the caodscr .anbct .usbme• krrce anytl'?a to ecuc -, dr -. we do4- your a cc rt and we »rill smi, assess :rug yes.: ma Y an l sel"es that u ^are ed win your credrea add u here triad in acrd ialh to correct the rnblam with membcrshipree. y% p'' 7r% p How bse amparm yva tae contact Cedame! ie :vice an aloe to request that tea close ar account, At the inerrha ,y you may rare the sigh; rhatto pay the moaner%ameufa eve on the puinh v.'to use this right, the �Y y a ro (nlnw gurus, be ad,!: Gat box w expla: dd l e. al 5l HS to - e rt, b, u a y down it l rnna: r.: a d l , ^el. - rs Please note Iia.i' ym vae yo;rcrcdc »deed c- sas,bpnra,co:ntaltel youaskustedose, wecar, sye •)'cum s. ve -. s<.t yt, :r ;red dcard to :.tiay. Purchases madevath w.h rvarrslumanA :M orw.Ura d,"untopen. -t e: :k t at ac cusses your cadet urd acc—rue ml qualily, and What happens if my M gem We m "y Wale s accou.. aJ yrc c.: to obtain reds tl YCt a of yet rave lolly paid for pr.0 asc at dry b^c and in a . r F You a not in deduce. ccaurrta.spe ­,r can be p, 'e r e:uxu,ry. Yell:( the cao'e amt.., a :a.c You ale st di- dafiedwide the nr, t,MaCu, r_rvg your account is closed ar suspended you must n smo eirg will credit card and account, 7) cancel all automatic Caph,j One payments, 3)desaey a'l creditards and access drecks,and 4) pay all znuurns you owe us, even if they were charged P.D. So, c01B5 eras the a,.cuotwasdosed or suspended. '.all Lakau - 15 1 ,13052-5 ty, i . How do I MakePaymeM9 Atanytime, you may pay Ue m nnnum payment the btal unfUid belan o, oranyamount in between. payment y be hot, 1 ys Whi'c we ealg. t., the sane rules apply to the disc h led amount as discussed above. titer we finM cur I Orine by cairn re t .a..aialnm...v -.a d :ngg lg ha lm you accc.m; R.11191tp Much lelyou a: oaeslon tt that cou If thriltybu owe all a .":cuntand you co not pay we may 1)Tcl ire e Voce 9.pp.sc yysalln by dialing ' -@ ?79557070 are fic zlang their to pOr -p:s. Wine you make a nip , sd,l q,,, 1. phnrp r,mrl nnuugh cur wise ms ;wnsa; sysem, pu auHrorim us r,.. iaiiam an nCH :mrledmnc gsynrrr, th vril Caoitnl Oe,s,mPOrs udou na, p,y mledicn:aaeour vn:hsi, at www.capilatoranm is ^. dehm�d from your tr-nk armunl. Evros may he weld t. earn pus bank amount a. sea^ -, rip .arc day we �� 7ilt t Caphd 0 ^e. Caa:al Orin isairdv,a :.y segetaied sa acct ma:k All rtghls rasrwd. punch; s yva paymen; 3) Caliim rim telephone numder t600.955.707J and arcydirg you! ITOUnalion It our mprasenst ?m; 4) Paynlerm by mail sfpulel be seal tv the mailhx� address orovi;U+.d on the Ixotavn pnnion of !!hrs sfat:mem. ElC i5f +trw, 1 Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem- Follow these simple steps to make sure ............................................................ ............................... © we process your payments smoothly: Home Phone .................... Don't staple or paper clip your check to the payment slip. ........................................ ............................... Alternate Phone ............................................................ ............................... • Be sure to use the payment envelope that came with your E -mail statement- Using a different envelope could delay processing. Address .. ....................................................... ... ............................... • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink. number on your check. Take Control with Online Statements Managing your account online is easy: ° Check your balance and view recent activity • View and print copies of past statements • Pay your bill.online Sign up at: www.capitalone.com Capita/ Page 2 of 2 Customer Service 1 -800 - 955.7070 May. 07 - Jun. 06 2012 31 Days in Billing Cycle www.capitalone.com World MasterCard XXXX- XXXX -XXXX -8062 Revolving Credit limit; $30,000.00 Available Revolving Credit: 5350.47 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit limit: $15,000.00 $29,649.53 $623.00 Jul 03, 2012 Available Creditfor Cash Advances: 5350.47 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $29,562.89 — 5650.00 + 5326.56 + $410.08 c $29 TRANSACTIONS CONTINUED INTEREST CHARGED INTEREST CHARGE:PLIRCHASES $326.56 Total Interest This Period $326.56 TOTALS YEAR TO DATE Total Fees This Year $35.00 Total Interest This Year $1,929.26 500818 (INOHassle rewards Who deserves a gift card more than you? Popular Merchants - Great Restaurants • Variety of Gift Card Amounts Page 10, 1 Customer Service 1- 800-955.7070 Jun. 07 - Jul. 06, 2012 30 Days in Billing Cycle www.capitalone.com MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you Wit pay more in interest and it will take you longer to payoff your balance. For example: World MasterCard XXXX XXXX - XXXX - 8062 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 $30,319.92 $619.00 Aug 03, 2012 Minimum Payment 33 Years $62,291 51,010 3 Years $36,725 PLFASE PAY AT LFASTTHIS AMOUM Your estimated savings if you pay off this balance in 3 years: $25,566 Revolving Credit Limit: $30,000.00 Cash Advance Credit UmiC 515,000.00 If you would like information about credit counseling services, call 1- 888 -326 -8055. Available Revolving Credit: $0.00 Available Credit for Cash Advances: S0.00 LATE PAYMENT WARNING: It we do not receive your minimum payment by your due date, you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $29,649.53 — 5960.00 t $335 -54 F f1,294.85 = $30,319.92 TRANSACTIONS REWARDS INFORMATION PAYMENTS, CREDITS & ADJUSTMENTS FOR ANGELA R MURPHY #8062 PREVIOUS AVAILABLE REWARDS BALANCE 7,123 1 15 JUN CAPITAL ONE ONLINE PYMTAuthDate 14 -JUN ($750.00) REWARDS EARNED THIS PERIOD 1,355 2 191UN ROYAL CARIBBEAN CRUISEBOO- 327- 6700FL ($70,00) 3 191UN ROYAL CARIBBEAN CRUISE800- 327- 6700FL ($70.OD) (reflects transactions posted during this billing cycle) 4 19 JUN ROYAL CARIBBEAN CRUISEBOO.327.6700FL ($70.00) AVAILABLE BALANCE AS OF 07106(2012 8,478 TRANSACTIONS FOR ANGELA R MURPHY #8062 1 12 JUN DALEY ZUCKER MEILTON M07177249821 PA $300.00 2 19 JUN ROYAL CARIBBEAN CRUISEBOO- 327- 6700FL $140.00 For up -to -date rewards tracking, visit 3 19 JUN ROYAL CARIBBEAN CRUISE800- 327- 6700FL $70.00 www.capitalone.com (INOHass /e rewards - 4 201UN ASURION INSURANCE SVCS06158373000TN $99.00 or simply call 1- 800 - 228 -3001 5 21 JUN COMCAST OF CENTRAL PA800- COMCASTPA $253.05 6 25 JUN TARGET 00020990CABLISLEPA $132.80 7 26 JUN DALEYZUCKERMELTON M07177249821 PA $300.00 INTEREST CHARGE CALCULATION ► Total Transactions This Period $1,294.85 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 FEES Purchases 12.90 $29,856.59 $316.54 Cash Advances 19.80% 50.00 $0.00 Transactions continue on page 2 P,LD,F = Variable Rate. See reverse of page 1 forcletails PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5466301937878062 06 0000000750000619005 Account Number: 5466-3019- 3787-8062 Due Date New Balance Minimum Payment Amount Enclosed PAPERLESS Aug 03, 2012 $30,319.92 C $619.0 = STATEMENTS PLEASE PAY AT LEAST Stop waiting for the mailman. THISAMOUNT View up to 13 months of statements anytime - online. Sign up at www.capitalone.com 400007 ANGELA R MURPHY 753 WOODFIELD DR LITITZ, PA 17543 -6601 Capital One Bank (USA), N-A. P.O. Box 71083 Illrrrl Charlotte, NC 28272 -1083 111111 11 Jill lrlrlllrllr�lllllld�lNl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. (NoHassle rewards" Use your miles for all your gift card needs! 1. Log in or enroll at capitalone.com /nohassle 2. Click on the Rewards Summary tab 3. Click on the Explore Rewards button Caplta� Rewards program features and terms may vary. 02012 Capital One. Capital One is a f derally registered service inark All rights reserved OU2 Oo How on I Avoid Paving Interest Chames Cash irvcnlh gnu p=ay yru, "New Ba'arxe" in fu, yru ill':avt a When win you Credit My Pavmer2' minir,:um crate perixl u; 25 Cay..wUr ro imemst charge on all new i) pu phases, 2) balance nar5fz`5, 3) �oecial -far vn'ire or aar;he pfpre. asct Um blasinass dxy toe receive ti zs long as theyam made ty 5 gong. ET. pri,s :tears aixl4)oNer rargas. tf gnu Have Lien wyhg yeurauvunt in lull w:Uuw irderes :chnvrey,!sapplm;l toper you for moiled iwymems, as of the bushes: day we rQUIVe iC as king as l)yousend the;rtulnm peronof ills do rim pay your near bill m Iu'L pmaled igteaslchatge ill be asxsxd. There !s ro grace Iriod on cash adv. —, statement and your check tr, rte eeckmd reins— - velem, arid 23 year payment is recv. rc ion on d eDr spa_ tra serer- ,olo-. ay..ew.alsaU«,nw`aDn there is oar unpid �aFin[z t are ap,eroboi bill.. ntzrs`.ry5p.m. Intel t :a. P ese a: sv eueas :(7l business days fbut - m,.1 deU.;y ktelled pzy?a;es Now -¢ the Interest Charge applied, Interest clrnrges arid fron the 1) date of Um tarsaction, 2) dare tic, urewed by us at anyether kcaiinp m in any,uher Term may nolle aeckil as el th, iaywe -6. barn. is DFDCESxd or 3) cirri calendar =day of the el!irg arrod. Ito: its dargesacoue on eery unpaid amount Do you Precrss Paper Checks as an Electronic Funds TramfM Paphnerds will bar pmcrscd In one er Iwo urrl it rsfr Hin hi:. Tres meals ycamY St m et s :.ha.y =stn 9ynsnay en:de'flw Balance "one mrith, vvayF, :. yru r ev . :.a rackr m c on aci n 7o makea pay-rt y on art- us area oar, :, ude,he d bu "not eo so for the premous morlb.Unp::cll :a;est da9e5 are added to the p,oper szamznt cf your ACOUni. rYrnpulun to make acne ti: :D,h -H haraguenof clhereccUonic fund aBna(rl lion your dePostacoount. We may Hnws:vtr, we rearm the tight in of as'xsnnit set dia gas at any nose. also use he udomation In prec", the paymrm as a ,rent ban — ton. Do you assess a Minimum Interest Chage? Yes. Ainr..mm INC RESiCF,&RQE&W -5nvdl be assessedics each What if l file for Bankruotg Ify eu are entided to banzrup4y oreteran, thiscomnur: alb. isle Worm, tilling period your aamrr: is Itna are en inte-it rhane. only. ltis anemp ;to coserrass.ssD'auvaradebtor claim. Do nctsend uspaymerrs w:hootspa.1lJMwd1 How do you Calculate the Interest ChaEW We Us:: a Dialled idled Average Cwily Dolauce (including new yta bankrupncyanorney or the BankrupltyCOUrL If you or your after would like to contact our t ouplcy diims Ira 'lore) Uids thism::UaK, warp first aI Iava your da!y t. 1h c, for each s-,g­n4 is Lake .e brig umrg bal.-ce . d:erdy,.5easa a:tact Capnl Orr, - 1`03m 302.85 Sall aV! UT 841300285 and add in row Venmakins arid 'the penodic ins -rL :range on tie predous days balance, fen 2) subtract any BILLING RIGHTS SUMMARY (Dm Not Applym Small Business ACeomrs) paynerrtard credit; for that .9 as or that day. The r is Nc daily balance for eafaseg - rd: HUYa:Wr, if you What To Do If You Think You Find A MUtake On Your Statement P you think tbere is an error on yon, Fad your previm-js innd balance in full (at I' your balance was zero or a ,ot :tam) unD, rew la which lest: a Il ertwxhe to us at To yaur path — C, srxzial pm= hawsggx �nkare notaddcd to fie d :+'Jy balances. tis:, varrs thatam sh ;jeaU a grace xnod me r%rl added m the daily balanes. Capra! Or.e Ne #, lc rind rn As +.tsar =Pail Balance: l) add the dais tables t for Dart xgnan;, and 2i dn"de Ue sl:mb+ P.O. Beer . Yg l Y Y 9- 1 sort Lake Pty, UT 84131;; 0235 tree numkr r.`. tlay: in iILradinc tyde. Ardie end o'ea_h billingcyde, war demrmhe your Interest Charge as hoilows': l) muifley pout Average Daily Balance In your letter, give us tho foominj hit ,metro: by Ito dally reindiLoa (AI drvided by 355) to (hatstgrnzn.arid 2)m 11tIry ne!esuU by the nwnbe, n! dfr, In the - Aeruu -t irdonnniun: Your nags and ituoum number. b!Ingr oLYDiE The ir eastc... - U' - DoI ra :c , Th -Call g .. :e srnp=neda les. ac.ual sec. - R'x nr -n afFcbl ;^e I(yoi, aikihell lsan e:ncran pw bra,+dzsglbe wilt gnu bufevt isworg alxJ whyyeu How an my variable Annual PermDM Rate ( APR) Change? Your AN may Increase or deoeaso based on oe kliCSt it 15 a lnl5take. el "hafrObviirgrelur, dind'can(npcl'vdin Trc• riot /Slmef lourrra0.f0.1dw :'Iwhtndexu'.scd fur }nut a;;ourt Yvunr.. :ve. :dt,•svh,nr..O mays a- :e12 ":r. error appeared o'I ycra stalemenG look for aletrarmdrere de tans of thiss'tatInW, mkto your APRis) .fie - chrk the table kelaw You mus[rmilyWgtanypotcntialengrs inux'rirn. You naYgall user nmifyusele entaally, out it you do we are Code nerd to your Now do we calculate your APR(s)? When your APR(s) notaguired toiinvuhate any prtcruial errors and you may have to pay the amount in question. We will nerifyyou APRIs) Index + margin (previously dodosed to you) will charge i1J Ylik'w$hi ^ 30 days of am ,ersipt of }arse lane.: P Prime aab: + margin T ne lies! day of the hYiing periods that What wD inves,gaL walls, gi not ifirte has bean.- enot the DDle'vtn:g are Due: L 3momh 1.19M +margin aid +n Ian., April, July, and W. 'We canerst try In curare, l!r, ±amourrifn Guest Ion, onrport ynru as dnl�ncuern on llraanwmA. D Rmus Nile .n Al rest t'yn. 'air -T ^eft rile in m - y remdingn}c St rC'.Irnt and wE m. Gab vem ^.cgC }Y:Uin :SenNdmCUrL mnfl RJi +i arflrr ;pelf Ili rx'rgd. But, wt eel nil e6lat maul "ainasli,ii it notlaw'.p pay fileamours. rtl cues :kn C. anylT.cieslCi Clllll l22 alataM tc at dnwmn. Am there Additional Fees assodated with my aowum? Yes, under Carla t ciz n stances, you Dry be assessed a - Yfiile you dO rct hays to Pay the arnov t!n q­ until we send yrau a rcUce, axe the outol ^e of our We or nclrvul ed Paynleet Tue. Yu may4.5D �v assessed Ovtdtmltices if p ;:untied by law. the resent d'leught to not investigation. you an responsbk• to- lheremainder of your bilarta:. asses fixes wabom Tire, net.! and ithrut waiving or; slum to assess It si,,Var lee later Yoe can aP}Ny any unpad annuntaga!ns't your pr.old lirtui. How onl AYOld Membership Fe, if d Rm( Nniea Nn" nindon d front of dsez'ente't you n,ayavnrcl wr! h ' :nSJCay.ofourres.pt,y.,.l_bei, we i :lard you a vei�turodw 4Pia :Irxg ether thatwe¢iend the xylrc v ten shneh,p$ re quest ctwangs 5-..iern:m -sitar - 9 oe rte Uela,tday nthDhl:ir;7 Drrer'm appear gr ynn.noK.cate.'rer,U Ol the mains war been : hD bn is rmrwr. ryde. co by d'lls $tatemerd m lFlle5l d,e[ Y.4 dpx gout aeeeenl 10 avoid pay;rg a mor,rflly me- ,tnrsllln fare, Your Rig If YOU Asa Dissatisfied With Your Cred2 Card Purchases, If y o fiC g155'd;'ICd wdl to gald5ol contact ustomei Servou anlif- to r-cuest that ise clok: your account, aid we ill stop asses.iig your moniI Y our igh a ^.a !+ y u atp rho dvnUly nc rldncard,:nd u A edmeapd la Nto corztt the Irblan wroth ma baser ip foe N Yn Y>~ P How on I Close AQaurriT You can mntad Crstamcr service an .,me to re urst trial war dose your account At +`•e f r rI' yru ma ham it .ig!tt Lotto gay;he'era i g actG - .out n d'C ppghax. to ,m Ito rgfh g - pare Y 9 ' forever g easel be rue. Hurt reas Wahl xdm. an dd l mal5teps tea :gum cLnuz and n clsaLi epay down intorrauun and Umel•M. 'D`eum st re. used refit - d for one e, <h Purchasers made i the «Ir advarceshmn anArM Ory nma Fllase rmxd.ti`y :nux}x. ;. credltcadvrctargDSxv.myau a�.w.. :alter ymaask vs tp dose ,t we rankeepycu• y - a ntoper. 2)Yo u :..tar Dssasynm dt nfdcotrt nr uglily; and Whatha ra Nm Aroma tkcaR Ti M.rr 2) Yo u oust of ytt!ra fully pa :d fe. the p' I.)I St Tile y e = We maydv5e Or5.sperdp - aum be per ry. . or ebtmn acct If ail o(Ueire ;aabpv :.. ar, u:. Ill,fi. a &find vnh the p..•Cuu., cana0 us ns. : +:r. al aldryur.:e and for i You arry even my - 10. .hl de. d.Y..tceun[;usparsnnun txa Tm, -.c yaur a[caunt is closed of swrfi tided you must ' ) stop using put credit card aril a murf, 2) canal all au[amI c Ora. payineras,3)danoya'l aedit cardsand a cressrhecres,arid4) pay all amours you om us, even if dray rare charged P.O. Box 30255 Art the mount was closed m Pxpeoded. 5a tale; City, UT 64130 0255 Howdo l MakePaymemt y :ydr W it in ay pays - :e m.amum payment the teialunred bzl :a, crany'r -DI cur h a ;e , rt'M1I mD, the same lures aon" m t ire i d,�;, :ird mount as diseased above. tear wt nisfl n bet—D. PayngnL may be node in,ew ai -y,: g ✓ t I Online by gong re wvrw.caaramne.cgrr, and logging into yrm —iorlr imesdgatcn, wt well tell you our deosion. At that point, if we think you owe an imountand you do not pay m may 2)TCl.awee Vein -:Z .,c.k; Sy�te. :; hydiefing K4955 n7u,.7 th_..: ie o:or ns. Wbwl ycumake a rep::dyou =.sdd ncuer prrnc a amlar. :gho sr'r sr,- -rya- pu :tg1. : t,, . ro :1C. —Imt o eary- rnU -.wiI Carat IOrrsrpp,rsif air. p'ruyoorrrnn.szacu vnan,b Is: deude] from yam lvnk arromf. F® ds may be, wIhd awn horn put tank afroot as Di ., rte same day vv'g 02.011 Capnal Dne. Capital One is efade ally negise,ed serwre, mark. All rghls reserved. JI yaur payment; 31 FI'Irg cur tel =phm,c rumte: 1-iRT 955 -7J7 , 3 acd pmvdirg gong r fr, :.malign ?r cur represenir5nc 4) Payments by fait shouter br sari Ic sh, rrw8kn) add-as pwrled or, the hna,m pe:tion of Ih¢ sraNmrm. E1GtB 11}3q +i I Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ............................................................ ............................... we process your payments smoothly: � e Don't staple or paper clip your check to the payment slip. Home Phone ............................................................ ............................... • Alternate Phone ............................................................ ............................... Be sure to use the payment envelope that came with your E -mail statement. Using a different envelope could delay processing. Address ......... ..............................: .............. ............................... ...... • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink. number on your check. Take Control with Online statements Managing your account online is easy: • Check your balance and view recent activity * View and print copies of past statements • Pay your bill online Sign up at: www.tapitalone.com Capita/ - Page ' 0' .2 Customer Service 1. 800.955.7070 lun. 07 - Jul. 06, 2012 30 Days in Billing Cycle www.capitalone.COM Revolving Credit Limit; 530,000.00 • World MasterCard )O(XX- XXXX -XXXX -8062 Available Revolving Credit: $0.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: $15,000.00 $30,319.92 $619.00 Aug 03, 2012 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $29,649.53 — 5960:00 + 5335.54 + 51,294.85 = $30,319.92 TRANSACTIONS CONTINUED FEES (CONTINUED) 1 06JUL CAPITAL ONE MEMBER FEE $19.00 Total Fees This Period $19.00 INTEREST CHARGED INTEREST CHARGETURCHASE$ $316.54 Total Interest This Period $316.54 TOTALS YEAR TO DATE Total Fees This Year $54.00 Total Interest This Year $2,245.80 500008 Ca what's in your warred It could happen to anyone. Make sure you pay the amount ANGELA R MURPHY 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 r behind BETTER INTEREST RATES (good credit could mean lower interest rates) by IMPROVED CHANCES TO GET APPROVED FOR LOANS (when you want to buy a home or new car) Gl 2009 Gapital One. C:rrpital One is a fiderally mgiaered service mark. All tights reserved Page ' Of 2 cap Customer Service 1- 800-955.7070 1x1.07 -Aug. 06, 2012 31 Days in Billing Cycle `W a p i m www.capitalone.com MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you will pay more in interest and B sail take you longer to pay off your balance. For example: World MasterCard - XXXX-XXXX-XXXX-8062 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 $30,678.89 $1,284.00 Sep 03, 20112 Minimum Payment 33 Years $62,391 .4% If you would like information about credit counseling services, call 1- 888 - 326.8055. PLEASE PAYAT LEAST THIS AMOUM LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Revolving Credit Limit: $30,000.00 Cash Advance Credit Limit: $15,000.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40%. Available Revolving Credit: $0.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $30,319.92 — $0.00 t $358.97 + 50.00 - 530,678.89 You're behind by one payment. Remember that paying the minimum payment by the due date keeps your account current. So make sure you send in the minimum payment to keep your account "`rent. Help is Available. TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR ANGELA R MURPHY #8062 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 03 AUG PAST DUE FEE $25.00 Total fees This Period $25.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $333.97 INTEREST CHARGE CALCULATION Total Interest This Period $333.97 Your Annual Percentage Rate (APR) is the annual interest rate on your account. TOTALS YEAR TO DATE Annual Percentage Balance Subject to Interest Charge Total Fees This Year $79.00 Type of Balance Rate (APR) Interest Rate e Total interest This Year $2,579.77 Purchases 12.90% $30,484.49 I $333.97 Advances Cash 19.80% $0.00 $0,00 Transactions continue on page 2 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 5466301937878062 06 0000000750001284007 cap" Account Number: 5466-3019-3787-8062 Due Date New Balance Minimum Payment Amount Enclosed Take advantage. Take control. Sep 03, 2012 $30,678.89 $1,284.00 Manage your account online at www.capitalone.com PLEASE PAY AT LEAST THIS AMOUNT Make payments Review account information Manage your account in privacy 400006 ANGELA R MURPHY 753 WOODFIELD DR LITITZ, PA 17543 -6601 Capital One Bank (USA), N.A. P•O• Box 71083 Illtrrl Charlotte, NC 28272 -1083 111111 - 1 - 11 -' 1-1111 ,11 r4I fill rrllrlrNlr -1111 Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Oil Od How on 1 Avoid Favfig Interest Clu, Each card, - you ply your 140 Billarci in furl, you will Fate a When will you Credit MV'Pavmee,i minnnum grim ptmbit a( 25 days wee Ito urmmst charge an all new 1) Purdl3505.2) ballue, oaiofe,s, 3) socdal -fa, onitre or axe the piano, as of to business day we remit itas bog as they are made by 5 rim ET, purdases aid d)oUwrahmgrs. if pau ham iaeen uapitg youiaciotrr.u, lullwU,tq imetes.dntgsaftldvd and you •FOmm led psytnrcs.aa'tm: business day wg hang is as Erg as: t)you stmmdthe ;tmmmimoran of Uds domtnayyet, recd till in lul, pmgneed unrest dugs WEI be assessed. There is to crace petal on cash adntions, sratam -et 3.d feu checkm do ardii remZb= amber, and 2) yout Parma1 hnrxnnr.l an? refcit, swcal ea0eis, a art any newtrarmamcn drAn time is an unpmd bab apmvous Ill!. alo Lostrig cenreR til'5p.m heal tee. Pkase allow M lean (71 busress days for road deliseyk toed payiems How k the Interest Charlie applied? Ifli daW accrue lu m the t) date of Bo ymmition, 2) date the Inr:wd try us at anyothPr locallan alm a lyamel [aim maynotbe dedied as at the day we re O"j o em 'ba &ction is pmri at 3) fast &,rd i day.df the bI Itgp.,'a interest durr¢s,ao, uc 6in . zey uinpald amoum oo you Process Paper Checks 9 an nettionk rumis'TrarlsfeP - Paymerrs vAll be irotec¢d in are of h» IAr l it & patd'n (u1l. ttds m ;ens you m.yar a irtel¢f car .s ESen H)vu pay,he erue'New Q3'arKe' one itith, weVS: Men you parka a ehe;k air dmck i dOeirl UOn;o Hake a paffrq you aurhaire us or out agi to use z1he but did mtdo so for die previous rei Unxi!rceiestdaracs are added to rte proper sdgmant al tic urAccount. edoimati;n b make a ate tine ACTT tlar6aciwn of otter eleNOrdc bed'baisfet from your depos +:a:comtl We may - Hawmcv, - q me the light to not assns naei¢s stairs a any timi asn use nn ir.aemaiatbp anss ih paym¢masadrd ha adon.. oo you assess a Minimum Interat Charge? Yea. AmmimumINIERESf CHARGE or TOM will bc'asswd far cads What If 1 file for Bankrupt M If you arc eft i to hautle uplj•ptoled'on, tmh mmmumtaticn is tot iformaian IdVig period M, aaeml Is subject, to an interest charge. only . Nis hatara nempt bred eel, assets ar reci acebtat claim. Do notiond us tnymms wtham speakirgWill -NOw do you calculate the merest Charge ? tM1t usaametnl cafal Amato Oar- BaHnce (including new you banieupiyaverncy or the nan'aupt,yCaun. if or yaur4fti would like toWn'3d our bantrupty claims t�.,idans).U:edcr hismedad, wo fast catMatc yourt'ai- balarmc�forea;li sogmrfd, t) take Ume heg.nrtitg b starvctd denty, pram mnua Waial Ono -p0 (lace 302@5 •Bali lain Cry, Ui &13002FS and add In row tia^sadions and the Periodic Ireton charge an ffe pIP6 days. balance, then A subvia any BILLING BIGHTS SUNIMABY(Dams Nat iloplyre U BusilMSt Acaelmts) peren'� and'aarts for dataegmam asof am day. TharcftA�is dm dally balance Itr oach s¢yaerR ssowiter, If you Whit To Do l( You Think You Find A Mistake On Your Statorrmrrt 0 you think shale h an error an your pad yowl pervious liardlYs balm Ir i {orifyom!lalanmwas r?roara aehtamcunU,row twwfiorn rhkh past amnemRAe to us at .to your pmdeaseaat spaisl p,mh,sr. s^.gmnntsare notaded b theda'- balaroM Also, tansactbns tataio s,hiedlb I grace period me net added ;m the dairy, balanms. Gtpielf No M ee, rind per A- a Da� fklanm: t)add.the Cad batanms todetta lot Path m. and 2) dirde the sum Salt Box Cry N U yo a9 7 Y. s9'm M saint la4+Ctry, Ui 64130 02 to numkr of days in Dilbng uyde.. At the end of Pali filing cyrM, we demrmhe you, Irde,VChatgeas lorki l) muhto" Avehage Dal? DU arm In 1 fmid, gem us the Regerimg Iformatiaa by the dairy pmb.•ncralg (All divided by 355) to, tharsegrmm,and 2)munipby oe resell by tine Prober or days nthe •" Acacntbdmmni; Youlro-nandaaoumnurdiv. bdmg p�iod.NOr�:Due'm'rourding aamamimum irmaiestehatge, chin aktAntonmay vrryfmm the ,me,cst charge • DUWramatnt T•eddmammanoi ;henep"IIedcnm. a uaM assPZad. • orsaudinn ai Prcblera ihmkuhtic Is an coot oil your bf6 dxsaiibc_tthat youbtlevc if rrtorg ariawhyryou How can my Variable Annual Perour ache Pate (APR)change? YDm ADR may indease or iderreasc: band on One bt[er it is a inisake. ' oftic 1015 rgmPoned a,dims(reported in The WaN Soviet Jouroap: Torod Mid, brddk is used fat yo ur miounL- you nor, Salad ln. wftiq 60 days arm the meet appeared on yea natmner,L look for a lenercode on Un lrad of this nalememmr to y- APRW. Then cluckihe table lnlaw YDU mull tasty usdary potmit+l ebcns it l2aCli17. You mayw ndify us ehateoriu,I -, Grit it you do waar, Code red to raw Nan do we ®Iri,late your APR(sh lNMn your APlHs)' rot'afirdbimestigam eny'pmentid aid you map have to ply it.. amountinquesl6n. Nla will Wteyyaa. APBs) l4ow d o margin (Iaevbmlyd to you) wi change in wrier- wWr; 30 days O nce rxcipt or rem limit. ods that Yvhk wt aevaSUCaL vrheUeaand lheieh>s ban at, coot, ft fo are Uac: P Prima Rem +nadghn The nrst sayer rte billing peri L '3 rrant,klDJt +meglr, ";;1 fan., Apr1, Iuty, and oat. . � nn cannot try to retied it. amour,! in quesUemveepalYg aal - re-a 0. thatamount Rime flak +mgt m TthP Brsl da fy PZCh •The dhaiga inturesfnn maytemaatanyou`r s!ammem, and wo maymtalnl'eb latgeyourmemSicn �atamounL U 5 y But,if we detcuniv; dmattte made a mistake, you wil net hateta pay the amount in question of ary hreiest or otleu ( Imadh 1IDDi +retrain ht maur,Myblh toiled. Las releted.to that amomall. Are there AdrNouatF associated wM Illy accoumT Yes, under certain cf t nee,^ you may be assessed a • VAlfe you di.rmt hate to pa 'te a;taur, m goosdcn untl tab srnd you a mace a'oe� the encore d cur uamarReUAned - foyer ni lee.You may,a`so be asxKscd Ormllmitlms If "Hera by few. m re:crte Cq dgtt 11) naT Eives�icaton, yav are re�oresbk for Ugtrnaindee V'r tri W.lanm. assns Ices w1hoU and, rntee ore rigor 11) a « a rmi15i fee rat e. Wa ran apoy any unpaid amourdagahgt your ned:t fmil. HOW (aft I Airold Membership 11 a Renewal eicke i sPifirend on de h old ad dill nalmait. pu may lived W,, ihh, sodarofaJllr eidoryou •ietmr,YR "If sad you awifdenmtoe Or'mig either dratwoccnfected the 'payi,g an armtai membrane fee by ronnxina Cuseeme 5o mao more than 45 days after Ume Iasi day in the Whlg error (to appear on yea rare s•etanait) at tie tee Ps m beri the lift is tweet. yde covered by this statement b erairest th,zt wo dose you, aaoum. to atoll payi,g a ma-thly mar, rshlp lee, Your lulltrs If You Are D With Your Crtdh Card Purchases. II you ate da -dshed wt1 d,votiodsol coidad Custanml sepiae anpU, to nqudest that wo close your alotviii aid we wi stop assesshg your month -- CIYAOS gilt you ham oomhisms wtm your ue7tcird, and you have tried in gad I3.th to correct the prchhm Wth. memce,ship ice. the morcham, you may hat Bic ri natto pay the mmutnitg amoom dLa or the punhase. IO Use this obit do How can I Close AtyBgaureD You can mmatl ClModrel Sofvke anyJna to request that ere case yore accourd. At rolbwi rj most to our: Ilat bri well old4in cry addd'ntul see: to aimum erasure, mdudma b alance pay d — WorrIan and 6!.1r ms. 1)YOU-I,'— vice' mdadmcadairto pvmuhas. Purchases made rritli ash ad,,,— imam9nAtM erwt,a Flew mte Uutilyou once yovrged card orefarg<s post,to pur kus todosdryweunkrxpynm Deck that aaece percredi:urd raced carol aualay: and .oe,rite rn. 2) Yau -9 net yetlist furry paid far the pulchas. What happen if my Anamerrt, kgu,, Vide may dw at arnerd your acmum dd your nglt to Obtain tied Ira'.(of tgakeda abet are fnetand you am shill dis�r$ fed xli the (n:rcfnse; mMau lia mitim at arty &.toed for any reason, tven H you am nbt in defauN Audban[ suspension can be Wmennemtat M.mpe'ly. If your account b closed at suspended you must t) stop. eskg yore Ca?hal Ore payments,3)dimicyail oedit cards aid events chetks,aid 4) Pay all amvums you OM us, ern if they tree charged. P.o, j6 MEE, .I., ft aaaum was ClMd at wyecded. - Sail lb;m City. UT C413o'br5 Now do l Mole, Paying, rASarry limr,you ma"ay the mnimum payment, the tmtunpaid War race, or anyasablfl Milic we ,m�eigem, tome. same ��ks app - the �.stel ar„oum as dsevsaftle . Afar wo rMh our 'in betYmcim: Paymcl may be made v>< sn ways: anntgaton: tad whi ter you our deMart,At that poieq, t[ YAa think you owe art amountard you do not pay we may' t) orsne bycare to tn>.v<RM3 cent and lotgirg ft yin aleWrIt 2) Telep'ne ma voice fu,sporst SM. m fly de g 1,800-955-7070 and fait - w g to flu! prompts. When you mat. a mp;td You as dtAtwumii, prom Perm Perms Umough our with re xne rysd:m,., you -Whoim us oim;iraa an KJt o, ciedmai pay:mm m1r4l Cam) orm,,ppe S,nrmmafi.n pia, protecloecczaun vrelm're air rnvw.rapitalnnnmm tede'.adedbem,yrebunk armun. rundsmyur rrUd,asvn lmvm yUUr loot armum asmaa zs Ue sartnday wa_ .2011 WI UO(MI one is siedxa'ly iegLsted stria. mark - Alights remind. p,oaa5your pay -eras - 3) Cafkr. em t eplenc,wmbr 1.800955- 7671)and pepvdag your InialmallM our teprestmsetp; a) Faymrrm by mall should to std to Ihe'ni add­peo'kind on the bottom p6rdon of (his statommd. E1C-0B 11y30/f 1 Changing Address? Not quite ready to make payments online? Address ................................... ....:................................................... No problem. Follow these simple steps to make sure ................:....:..:.....:.....................:.:..... .. ........................:....• © we. process your payments smoothly: Home Phone .................... Don't staple or paperclip your check to the payment slip. ........................................ ............................... • Alternate Phone .............. :................................................................. ........... be sure to use the payment envelope that came with your E -mail statement. Using a different envelope could delay processing. Address ......... .....:............:...........: .............. .........:..................... •Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink. number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com co - Page 2 of 2 Customer Service 1- 800 - 955.7070 Jul. 07 - Aug. 06, 2012 31 Days in Billing Cycle www.capitalone.com World MasterCard XXXX- XXXX -XXXX 8062 Revolving Credit limit: $30,000.00 Available Revolving Credit: $0.00 NEW BALANCE 'MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: $15,000.00 $30,678.89 "$1,284.00 Sep 03, 2012 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $30,319.92 — S0.00 + $358.97 + $0.00 0 530,678.89 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 — —• 500621 Capital Your rewards are just a �Q/VoHassle hop, skip, and a click away. rewards Visit capitalone.com /nohassle today:. � f v • Check out your miles balance. • Learn about your redemption options and redeem your miles. • See the details of your miles program and answers to frequently asked questions. Page 1 of 1 Customer Service 1-30". 55.7070 Aug. 07 - Sep. 06, 2012 31 Days in Billing Cycle www.capitalone.com MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you Wit pay more in interest and it will take you longer to pay off your balance. For example: World- MasterCard XXXX- XXXX - X)O X-8062 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 $30,297.40 $632.00 Oct 03, 2012 Minimum Payment 33 Years $62,227 $1,019 3Years 536;698 PLEASE PAY AT LEAST THIS AMOUNT Your estimated savings if you pay off this balance in 3 years: 525,529 Revolving Credit limit: $30,000.00 Cash Advance Credit Limit: $15,000.00 If you would like information about credit counseling services, call 1- 888-326 -8055. Available Revolving Credit: $0.00 Available Credit for Cash Advances: 50.00 LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, . you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the PenahyAPR of 29.40%. Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $30,678.89 — 51,720.00 + 5329.71 + 51,008.80 = $30,297.40 TRANSACTIONS REWARDS INFORMATION PAYMENTS, CREDITS & ADJUSTMENTS FOR ANGELA R MURPHY #8062 PREVIOUS AVAILABLE REWARDS BALANCE 8,478 1 07 AUG CAPITAL ONE ONLINE PYMTAuthDate 06 -AUG (5620.00) REWARDS EARNED THIS PERIOD 1,261 2 08 AUG CAPITAL ONE ONLINE PYMTAUthDate 08 -AUG (81,100.00) (reflects transactions posted during this billing cycle) TRANSACTIONS FOR ANGELA R MURPHY #8062 AVAILABLE BALANCE AS OF 09/0612012 9,739 1 09 AUG DALEY ZUCKER MEILTON M07177249821 PA $1,000.00 2 15 AUG NEATO BURRITO QPSMECHANICSBURGPA $8.80 ► Total Transactions This Period $1,008.80 For up -to -date rewards tracking, visit www.capitalone.com Q✓Af0Hess1e rewards' FEES or simply call 1- 800 - 228 -3001 Total Fees This Period $0.00 INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES $329,71 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Total Interest This Period $329.71 Annual Percentage Balance Subject to Type of Balance Rate (APR) Interest Rate Interest Charge TOTALS YEAR TO DATE Total fees This Year $79.00 Purchases 12.90 $30,095.54 5329.71 Total Interest This Year $2,909.48 Cash Advances 19.80% $0.00 $0.00 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 5466301937878062 06 0000001.100000632003 Account Number: 5466- 3019-3787 -8062 Due Date New Balance Minimum Payment Amount Enclosed Go GREEN Oct 03, 2012 $30,297.40 $632.00 F= SAVE GREEN! .r.. PLEASE PAYAT LEAST Pa on and save THIS AMOUNT y �: money on stamps. Sign up at www.capitalone.com 400008 ANGELA R MURPHY 753 WOODFIELD DR LITITZ, PA 17543 -6601 Capital One Bank (USA), N.A. Illrrrl Cha"otte7 if III IIrIIIr�n41�II [III IIIrrllu'1.-11 1 1r�Ilhllllrinl Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. Gapit Get familiar with your rewards: 1. Log in or enroll at capitalone.com /nohassle 2. Click the Rewards Summary tab 3. Click the Explore Rewards button (INO Hass rewards Rewards program featmrcs and terms mar Pary. 02012 Capital One. Capital One is a federal!, registered sert+ice mark. All rights reserve!. cu? 06 Mow can I Avoid Paving Interett {heroes Each month yru pay your "New Balarce "' n 1u!, you will haw a When wall you Credit My Pavmenc� minimum gran: cal 25 days wBh no irrurest charge on atl new 9) perhase5, 2) balance, Carriers, 3) spacial fm online or oscr;he ptgrm, as c1IDe bushman day we receive 6 es long as they are made by s, p.m. ET, purchases and 4) outer Charges. H you [law Lmen paying your acmurt in lull with Up i"Nostr :hargasalydled arJ you Tal heliled fkycerts. as of IN: businesslay we-C. it as long as: l) you send the Patton Penn,! of this dp'4t pay yow hex'r, bill rte bulls jecrar l itba LS. CIk!gC,, will bu asRSsed. Thole Is to grant, Imrocl at, Cast, a!Iva'1.'e,, 5m .rent'rd yoVr ch(. k I1. Hie enclosed nchattant 'e -lope., and 2) your p ymeat h5'eGaMd In one of ear ,wdal oars*src or C : ,i,,n three l an unpaid baka - iu inns a pl vbus hit.. ion esrg cCmers ry.. F m lar'.rl r -a. ',rase ai :..w. :ors! {7 uusiness day; to ma :I d iwry A!ailed payrarrs How is the Interest eharpe applied! Interest Chagas accrue from the U data of Hie herisadion, 2) dare the embed by usal a"Ira e1. kronen or m anyctheh scam maynot be oedirrd as of the bay wx teceir them. hansdCion Is pmrnsrd or is) f.en calendar dayof the hlhrg period. Inefesi d.,gesacuue ion eery u1. Paid amount Do you Pool Paper Checks as an kleamnk Funds TrandeR Paymerfs wil be process -d in one of fm un;l it is part iall.i.This means you mayowe ivtaer,clia-.ges aten itycu reiylhe e.Y.he"New Berenco'c-to -men, ways: Wh an you pgren ac :e.k r1. shut lnc..ann.nbroakeap =_ymerL you autf:erire us or our axis m use tee butdld not do se, for Hm previous r!md'.Unp,id intelestdarge; are added to file pmprr scgmenlaf you, Account, in'oanatim W make a one Ono ACM Ill of cUrercienunic turd transfer from your deposdaaount. we may HowFsh, we re— the right to net assess inlexv dharges at any hire.. also use are ,NnuneralIn preass IDe payment as a check l :ra —cliga Do you assess a Minimum Interest Charge? Yes. Arrr lm umlNrRESTCHNSO_c`$C.5DwF.Ilase= dfc-euh What ifl file fur Bankrupt M if you are arnild to banaup4y armecorc H.iscomsluni_atipn is of info —on hlang period yen acooua is subject 10 an iralesl charge. only. It is rotanatmm mcollect,a- swanc1. recover adtwcr Claim. Do nctsend us payrin taswtheutspeakngwth How do you Calculate the Interest Charpey Wro us a frC. sated AV rage Cully Dalbnco C dudrrg new Yoe lxa k up"f nmr y elite 0 nkmpl'yCou;uf you or yourmtormcy would like lowrtactaur laiouplcyclaims Carxaruonss)Unds thisme'Im, Fun- ms,a ".1ar yourda IybaLia;fierea.b..,gd.eny :)take,.c Lag.n ::1..g oaL= :cC ss•rvs:ei drer.y :?pas canes: Caaral One PORCC, 30285 Wttaka Cry, L "9 U' S5 and add in row bansadions and the rx radlr. imemst charge on the preaeus day's balance, than 2) subbact any BILLING RIGHTS SUMMARY ('Does Net Apply to SmWI Business attounls) Permits. and credits fo r that sexuram as of dtat day. The result is the daily balance fa r each segmm'.if. Horrt:mr, it you What To Do if You Think You Find A Mistake On Your Statement if you Vlink lhm o is an of of on your pdyoit, preinuslnoprtr's talancein full (or I' you, balk". pas re,o era uede'amwnd„ rc'w rear abris whCh pas': 1aien' :rnpmite tg us at: to your C-ft se or special pa.drasessnrriare rataddd W the lca,ly balers_. Al se, 'r fSactithIS that are sIA'iCttb a grace period are shpt added to the daily balances. Capi!el Org Non, m lied Awra e Daily 1)add tho da 7abnors mgerkmr, lee each sP •rant, and 27 dhtde the sum h P.U. Box m2a5 Y'ur 9 Y 9• Y SaR lake uly, U? 84130 0285 tf4 number 1,! days in that. Citing cyder - - Attheendofeachbillingryde, we dellnminc year Invest Chage astollows:tf -nu11 Fly your Ariage Daly 9slance In your ! alter, gip is the In Hawing inimmarrr:: by the dally periodic, aa(AIR dn6ded by355)Inr that segrnem, and 2) .,!tiply the rPSell by the numLYn of drys in itm - Aauu,lintorl iarl Your shame and account dornU*. blllrg tried.NOTUFr- in rcurdmg or a on um merest crlaw, this tak via vary e tiv nle-t 6age - Domlrc - ^c Tnec I' a omal!hesspzteE error edualyassesrd. Ixs[iiatpn of Fr4tlarc 0 you thmktheru is an C. Oil rel hill, describe renal you xhew is spry and wiry you How an my Variable Annual Pt Irlmot Rate (APR) change? YUUrAPe may Increase o&acase based on one ahem it is a fr5lake: e ":;e follawirg ml>ar!Pd indtces(repm'tedin P.-' Ne5Ueetious;u U. Torrdt }?hxhtldexrssedfur}euracpurh4 You mr.,co' act rr> 'itriciday ;afar tiCenot appeared an you ,fantril lookfm. War code gn Hx:fmri l this staremuten to you, APR(s). Tfsen check thin able below. au muse ncufy us afaoy potentialenors ireirh sKYitYl. You maycailusorm;rryusel"onkaly, bmifyoucieweare, Code next to your How do we calculate your APR(,)? When your APR(,) notegcardW�rnr5tigate any Familial chars ard you may hate to pay the amount inquestcn. We will rmdyyu APRs) Index + margin (previously disclosed to you) will change I'� vt�t o withn! 34 days afoul nereipr of y'ur'eno P Pnme Rate +margin The lust day of the blliing paripds shat While 5e invesugate wheftror Rutdow has Peen an Cher, Oe bibvring are nut: L 3mon1h I IBM +mar andin tan., Avil, July, xad Oct. N!e canmttyWCglle!i the amourOin Gondar, pr reportym as drfnquer�tgn l[atamourd. D I te Nla +mam:n The first da pf rah Biters sooners'qlnm.ymma n onye• stmmmt payh arrow erg sCorl:ryln9en ten :amour! Y But,Irm.,el.:m neB atwemedeamlxake, you wi0nettavabpay dhearroun; nGUestbnc. s¢>iCSp Hrer F e mnlh I IBDR +marl month! F +Oat+ period. Izs related to Gut annmA. Arc there Additional Fees associated Firth my account? Yom, undv tartan n.ums!acas, you may be assuacd a - 6W +tle you co ':at ham b pay the a c . n ,,, :..si_!n ur!rl wo send you a mcFa ads.:. le cu=rre Y con Late or Returned Payment fec. You Cray also W assessed orawin :f lees if psmizedby aw. vLt C5e1ve O,e fight to oat i- USt'54DTI. you are re5pon0ble for He remainder w your bearer. assess lees wlfxlut phcr Farce am wi;tmut waiting all nFiNtho asses a simild. tee later. We can apply any unpaid around egamst your aedil nmh. Howcanl Membership Fees 7lt - fivnewal Ng: m !unedonH f: m f7Lis s. em y hTlay a+r!d Yli; :1.r 50gaysef outer.,. pt.: y1, loser, rte vda serf y!+UawinCr r,lLp v„a ; :�rrg afher H'•atwe ccha the ;, -yirna a uzl +tanllrlshipfec by ce rca - , u_.omz Froce 1.x: than, d ': days - ill. He last day in ti•I b1 mg errs+.!!lo ap(nnr on yru naKSalen�:entl or the masons we baler the hcl is ra-rN. ryde covered by the staemeni b request that Five sear your accpunL To maid pay 1.g a m Ihly memt,?rchin tae, your Rr has If You Are Dissatisfied With Your Credit Card Purchases If 1.0 alp dissatisfied w1h to ids of contact Cusb met Senate arrme W truest that we dose your account, and we will stop assessing you monthly D �' �' rne•nhm sh c'ae. ai c sII have D, cod wth•A!nardr 1.a a, and yru ve: c-0maa.d la :th to con t'thC phr,Slen tvth °o mare ad', you nhay ham he right nutto payga sera fig arr:ova :1. v cn idle p-n- To use P':is rghL se Homan I Cbse My Atmumf Yav ten cantaq CrAW ^mar jarvKe anytime to requeS Lhah wu close you account.;U following "m b9 nor: nu, ens. we "h axWan any add i— I'k,pc to ach4n ckxue d 1.. gba"re psydavn• int., — and limrines. Pease 1.c' :e0 I' y sae y.: :: cradLid m.hames q :bycu a.cen :afte! I,.,, ask Us to apse P4 tee it k ; y1..:,. 1 ) "cut n ram isad your aedtcard fe I re, C— ' nano. oUrchases see with sash advarxxs from an A;M u, wOrt a':muntgpen. ches k . I aa:usses yore front, Lord zso1.st co rot gwlay; and what happens if my Annular R srelre"dem Vra may close or suspend you t acouraidy r W right Chian craft 2)v nut yin :ha fully paid iartte paid—C, a t ary fir : rand •m [ of. ny:--- n,- nlyou are oM in de A, -a.L comt.n.p_.sa can be yin a,. c: t - poIary . :r If all of tire c abo,,, e r ;: and you are still with the pu'dhsc.=la lus ill a Your aaallat is closed at susr -cal you must 'p ship Ushg your cedit card and ar_nh ;ter, 2) canal all automatic , capital Ora Payments, 3)d+ +story all apditcadsad acwsschzds, ard4) payalamourrs you owe us, earnifthey yam charged ppc Box a()255 attar the --if was closed of sus;xrlded. 5,x L'a'o-: Cry, UT 5413".C255 Howdo I Make Pavm ems At any tisie, YOU may Pay I. misOnum paynrem,Lhg totalunpaJ tvlmlr,'s, G. any amounl I, bmnren. Paymmals may tin am, al.Crral ways: Whi!o we n•ss1!ga;t, the 5arne rules apply to the disputed shoum as discussed aItOW. NTT we finish out 1) 0n1,rc byacrG ho wvm magi. Ln. 1.c and lorarg ml, y r,i accomr, --Aganch, we rill lelIyou our cmoslon. At I PC Ind, if We Clark you owe art amaumdid you do not pay we may 2 Ideal a. Ya..a l ! G s. sym, by dalhg ,- La) }9a5 7C C a..d ol— ^ den+ells p c, WN!n you meka a repo. nu s dCI nquer' :I. A tone plyrnent thau gh urge resents: s ypu au flion Us it', n: "m at, ACr on elramnc imy-na trial m CapltalOe ppans ft:afir.p.lraryIsca"lc. sea or'cobs Y. of www.wctklone.mm he de6nhd d from yin h- kam.m.Tm na ds y tx:wOxl awe uov your lank afait SOOn as it. arm day we 02011 Caprnl Cie. Caollal One sa la- :Ip rcgistned slw.._ mar k. All bights nesaved. orom Your paympm 3 f: r10 e U, hit pta c scan a 1 gtY; 955 7::70 arc t crd' y1. u .:fir. elm- •a our op .see 4 Payae t, I:y F,a,l slianuld be sort to Oho mat fig add- prowhed o the trB h untion of this s1 I' rnew. 11El (a 3 �AY91 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. 500857 , whaYs in your wallet? ANGELA R MURPHY It could happen to anyone. Make sure you pay the amount due on your statements as soon as possible. Maintaining WHOOPS I good credit is important.. Avoid missing future payments by setting up free, custornizable accountalerts. Enroll in Y b online banking or log in to your account at capitalone.com and you can: by I payment. • Set up your'payment.due date alert • Receive payment posted notifications • Access your account balance and recent transactions 24/7 2012 Capital'Onr. Capital Oru is a federally registered servile nark. AU righu.resened. Page 1 of 2. CListoiner Service 1- 800955.7070 Sep. 07 - Oa..06: 2012 30 Days in Billing Cyde www.capit,alone.com MINIMUM PAYMENT WARNING: If you make'onty the minimum payment each period, you will pay more In interest and it will take you longer to pay off your balance. for example: • World MasterCard • XXXX- XXXX -XXXX -8062 Payment AnroUnn Each Period It No Appitodmate Time to Pay Off Estimated ' NEW BALANCE MINIMUM PAYMENT DUE DATE Additional charges Are Made Statement Balance Total Cott $36,655.31 $1,296.00 Nov03, 2012 Minimumpayment 33 Years $62,291 If you would Ike information about credit counseling services, call 1- 888&326.8055: PLEASE PAY AT LEAitTRIS AMOUrn LATE PAYMENT WARN_ ING: if we do not receive your ndnimum payment by your due date, Revolving Credit Limit: $30;000.00 Cash Advance Credit Limit: 515,000.00 you may have to pay a late fee of up to$35.00 and your.APRs may be increased up to the Penahy APR of 29.40%. Available Revolving Credit: 50.00 Available Credit for Cash Advances: 50:00. Previous Balance Payments and credits Fees and interest' charged Transactions New Balance 530,297:40 — 50.oU t 1357.91 + $0.00 0 530,655.31 You`rebehind by one payment. Remember that paying the minimum payment by the, due date keeps your acooLnt current. So make sure you send in the minimum payment to keep your�aaount current: Help i s Available. TRANSACTIONS PAYMENTS, CREDITS '& ADJUSTMENTS FOR ANGELA R MURPHY #8062 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 03 OCT PAST DUE FEE $35.00 Total Fees This Period $35.00 INTEREST CHARGED INTEREST CHARGE:PURCRASES $322:91 INTEREST CHARGE CALCULATION Total Interest This Period $322.91 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 $114.00 Type of Balance Rate (APR) Interest Rate Interest Charge Total Interest This Year $3,232.39 Purchases 12.90% $311457:81 5322.91 Cash Advances 19.80% 50.00 50.00 Transactions continue on page 2 P,LD,F = Varlable,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. I — 1 5466301937878062 06 0000001100001296008 Account Number: 5466-3019-3787 -8062 Due Date New Balance Minimum Paym Amount Enclosed Take advantage. Take control. Nov 03 2012 $30,655.31 $1,296:00 Manage your account online at. www:capitalone.com PLEASE PAY AT LEAST THISAMOUNT Make payments Review account information Manage youraccountin privacy 400006 ANGELA R MURPHY 753 WOODF-IELD DR LI'TITZ, PA 17543 -6601 Capital One Bank (USA), N.A. P.O. Box 71063 Illrrrl Charlotte, NC 26272 -1083 NIIIIIIIInIIIrIrIiIIIIIr�Ilulr�Ilrf�III�II�IIhIhllltl �. Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 001 00 How can 1 Avoid Paving Interest Charges Each mane you p,,y ye.r "New Do am" in ful you wifI ham a When will you Credit My Parentenrt miumum grace per fail of 25 day..U, to imerest charge on all raw 1) pe¢h5sg5, 2) balance bansfas, 3) special For on! ire or o•wr Re prone, as of the business day we receim n^ as long as Riney are m=ale by 5 o.m. Et. pwchaws and 4)o1 rhargss. 111m hale Leon captg your a- out in full wi. iriere" a"'go, applied and you For ruled payments, as of the tnu,iredq, we role he it as big as: l) yeusend the ledge ponxuh of (fit, do s pay ymu rail LW m f.:. prmat.d rrs will be asses.-d. Tree lino grace term l on cash ad.,-, stateroom and your chock r: If, e %cif re-(Conti, ehminrn, and A yoi ay'rcnt 11 evtoxid I ?, one noon spe_utansbus or an any raw calsa(JJn"hu there is an unpaid balance amm a pieYay bit!. D - -i.rc -re rsy5 p.mc(al,im.Pivwl '.w. : ?aA(7) busiress days to: mal daricery. N1 ail.d pay -e=rrs How is the Infarest Came applied! Interest ciwrges accrue Imm the 1) date of Use bannsadion. 2) dart Ure nccemed by us at a mine, keener mm anyomc, from may nabe combed as of the day we nerve Item. Uansagr n is processed or 3) f ua a'end5: di the luting period. In4res[ charges ague an ere ny unpaid areom Do you Process Paper Checks as an Electronic Funds TramfM Irdm nti will ore pmcessrel in o or em un :This pa+Jinfor. Ttdsmeans You may owe mutest hasps e ^wn Hp ar.y the em, re"New DSlan e'c're : : ^anth, war W:,s_n you pzvxk^ac- eck or mecx rc•adnnrg mzkeaxyment. Yen .a.t}crka usscur ig-Rl u,etf :e but of not do so for itz prmownocuW. Unpaid interest dunge5 are added ig the RiccaF symeotcI your N,'tnunL infalmatbn to rake a arc umg ACH uargac4Qll 0 olhere Oleo cr:icfor Uans'er from your deposit account. we may Howeve! sea reserve the nigh[ to not sys, brains, theges at any t!". a use the mf,,r, Mon In Press the fray",of as a rhurkhansadcn. Do you assess a Minimum interest Charge? YES. A m :e: rue INTEREST CtiAHC _c'FO- SOwfa'ue assesseJ tc-each What if I rile far Bankrupt p 7 if mu are er3Y7ed to Garr :p4ypn;nco -, this c.-nori :atbn is to in'an'e. billing period y.'ru: accitum :s subiad to an Protest (;'range. only, Itis notan ettery tool. r, z_asescr :amvar a debtor d3rm.00 ngsend cs payment wt• ":cut speaking wUr How do you Calculate the Interest Chargi t use a virti called Average Daly Data rout 6ndudig new your danktu(ncyanerrey or the Rarkruprc :yCtv;L U you or yomrmncmey wood Ike locentai Canbuplcy claims tna -1 "'kindattumtrtx, we its; alculal. You rca :71a1..:(e,.c :Each say, rl,°) take ` e tqu, :ng ba[a. :rte sarv. :d :.,y, awes adat: Caarl O : :!•FO Dox 302B5 S.rl -Gy t'5!13GC_ES and add in Raw bansacbm and lie peredi, iaetest cneoge on the pne'dous days balm %, then 2) tiub;aa any BILLING RIGHTS SUMMARY(Doet Nat Apply to Small Bininess Accounts; prryrrvulsard credits for that seannnem asgf Utatri"iy. Thetiult is the daily balance for each wgmerl. Howtner, if you What To Do H You Think You rind A Mistake On Your Statement if you think thelc is an Ent on your pat prelip.n unntl's balance in pi of your balancewzs zero era cred.rar,nonli, new 4ansactians wldt tics[; staremery ion to us al: I. your pu:nhaseor special p : :^,. rases =gnnrsant ro'.addcd b the dairy balno—jVi van- timors tts'rsresrAjab s, grace period are not added b the daily balances. 00uil Ore. Nei Ip fad your Awraga Lna,t Balance:5)add the caityslai lnjolm for cunh sogmen;, and 2) divide the sum by P.C. Hox�25i the number e' days In no Wing cycle. S nt eke Gry, UT &73G02E5 Ar the end of each billing tyd,.wed,conelne your boniest Charge as lo[bws: 1) multiply your Awnage Daly galarre In your letter, giro us the`ellrwIng irrmmatb¢ by the daityperbdiclate [APR drvCed by 355)lot marsegmcnt,an :l 2y malripy the msull by the number of days m tin - licop rirnforma!on Your name and arti oumhei. ollirg poriod. li Due en oconding or a manrnum In cos creme,thns„akl— tray v3ry'nm ike merasr. c`,arge - arac;jr Tnec Isar amour a :;arsp=- .arc :or. aauallyassn:ssed. • IS.s numeng7 FrcbLr r. tt }cu Wnktbele isaltwrenon your hill, ckscn0. w`lat)ou bet :eA: is vrorg and wtryyou How can my Variable Annual Percentage Rate APR) change? Your AN may increase or decrease based on one bdTvc it 15 a mlbtake. ofne :olhiwirgnepaned indces(intored in Pre A'aa Street Jowell. to Rod w!rktn laid is tun you -oun4 orrm lookixalemrmdecntie horn of Urisstairment your APRls). Then rf!eck the Ciidr lcelow You mus[nmiry US ai anypotcritialeuou msrtirn. You maycall user nmdyuselevunicaly , but it you do%wire Code next W your How do we calculate your APR(s)7 When your APRs) not required to investigate any potential errors and you may free to pay the amount in qa .-slco. We wi'I rmnifyynu APRs) Index+ margin (previously disdosid toyouy will charge i wrifiog with", 30 earn of ci eceipt of you: fever. P Prima Rate + margin The first caycl tke billing padlic6s,11hat Work we inwsucale w:ethm on not Poore has been an en u, the ml owing cue in.: L 3 nlmnlh l.IDC:(t t mange end it fan.. AtoF, July, and Olt. WE canret try W ro[tadtha xmoorEm question, or clocety:nu is del :nquenton 11w amaunl. D Pr m: ^r4'.IC :ralarll 7 ^efsl ayoi each -Theo argemq:as'i.nm,yarranon you cm and sm raycanto,eb .rgeycu in, stop thacamourt. out, r %� eto n :e U - at%to in 'do a in stake, you will not hare b pay tire amount, question or arybuclestor oft F 17x:nrh NI3;9 +martin month) bi 1, rnmbd. fees Rili lc(Inra duns. Are there Additional Pees associated with goy account? Yes, ,rice .e t n crcumsar cos, you may be assessed a • WHIC you do get ham to pay the a c : t rut toeseen unit we send ro a nalIce aide"— . e outgrow o' cur I m Retuned Faymenttee. You meowso be assessed Ciciimttiees if lr^nnread by isw. we re:ene the nghtto not Itnettigauon, you am responsbb forfore remainder of your balance. assess Ini without poor urea) and without waving our right m assess a similar ice later. . Nyo can apply any uid arrount ag ?,r,st your eedt time. How Can l Aroid Membership Fees ?n r'.. ewal \; es d li : 1 ttsta. en you :::aya d W't n Oday. fg.r pt r}e;rLb, -ve cede nerd yin avarren rots erp!a:: na ..,unr Uatste ca:ec0.d the repro ar+.r•ual mumhershpfce by unW;h cc..5a: n. v +ere nmoretan :coy a(Iw the Iml day in Gnc Illy error:oep(em or Your n xt e, :awournU or the r easons we beam 6e h ra Is rmt. :ryde Ex by this statement to request Uat we close your account lb amid paying a mnnthfy membership loo, your Rights ll YOU Are Dusatatied With Your Gedlt Card Purchases. ardissdsfredwUr Ute goods or conta0:usbmet Xrec^. anytime b niotrest Ut.; vm doss yt:.: acmun6 aril we vriil slop assers!rra ycv' coo °t "'y g y rruerbe^sf.c :an ;ervd sib grad rove a- .ni -rd wih ynnucdrea'g, and you. m. -ed rut g-dfa- thbcor: tepnr.olenvnih ` Rheicif4irlycu may hate are right notto paytl ol—ninij aneunnu cut.he prchase to Vsothis right, ;hc How Can ( Close My AamurhR You Car! (01`14,01 C slomer Sell. anyor to l quest trkl wt close your aUOUnL At fdlow,Q must be bee: tatbx - entp a sop to a ck. e t bt.nve pay down 'bma.in and li' T'ms Pease [ne Hai use yv., :ucd :curd orcha'ges Rest too, your a :uuntaGm yr;, aleasbaoxry %e earn keep yn,n 1) You us.:a sod You 'rm.1t and for J cup ::trase. Pmchasesurade vothcaJ ad.ucaslnom an ATM or w Una eon mtgper trek rot ti syeln d d .munr. c., wl quality, and What happens if my Account pen We my close E, r s. peril your acuur' and y r co to tbiein led :I f 11 most coyer frar fully pa :dips i pu,has :rytne ancioary. orec,_mn. in de:a.l. O,couasusp:irsun car, be fret one.:,uary. .: 1f a!loi thecle;a wail ^.a .e x..d you... oil.. sztifedwich thn p.: �'n..u. .a la.E .rs g at V., account is closed or suspnnded you must �y stop using put credit card arid zcount, 2) cancel all autocratic Cadtal One payments, 3) cii all todlt car Us and mass dholle,ad 4) pay an amours you owe ors, emn if they we charged Ip 30255 a?Rl ,he ac'comt was dowd or wsz+nded. 5a 1 lake Gty, UT 5 3C 0255 Howdo I MakePaymeMa At anytime, you my pay the Trimurti payrrcnl Poe cowl coped thelanco, or ahyarounn in between. Parri maybe made in,rwral ways: White we novR foam, the same rules apply to the disputed amount as discussed abolc. Ntar we finbh out 11 Online bygrito wwwx an eegirgr e, e 6C nt nnc.bgaib , wewlltelly ouourCaoNon. Al thatyolncifweUrnkyouoreeana rnountadycuconot 2 kLy:..mc Vera T.,c aSytem Lydalry•b-)Ao5 a:a doors; dil. :s propis. VA,,, yeu maka a uEI Tu s del.oquenl. I isyrnml tii our lr.re;";.;c system, yeuanhoo>n us in, 'rf4 ar, AC'^: or efraroec oar^•ent tai. vrid Capi l Co, supports infu phwry pro tecti o n: we our wrlrsrn, al ww✓+caaralu^mmn the debrued from your barka —t. funds my to, vandavuhfarr yew bank test as e as Ua same day we +"w 2011 Caitbil Ow. Cap One is a(ed.a:Iy registered s+.m ale. Al te ml iii u sent,d. pm(ess your payment 'r Callin our elephone number 1 8X; 1 55 and prom irg yon, !nh :rnetice'R con rep— noacn :: A) Par. -Its by road lbodd bur -1 to Itre mailnhg address ponodi on the cell - portion of Ihr, slaurriem. ETC- 15P.Cyl1 Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ............................................................ ............................... © we process your payments smoothly: Home Phone ............................................................ ............................... • Don't staple or paper clip your check to the payment slip. Alternate Phone. • Be sure to use the payment envelope that came with your E -mail !� statement. Using a different envelope could delay processing. Address ............................................................ ............................... • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink. number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com �ap� Page 'o' 2 Customer Service 1- 800.955.7070 Sep. 07 - Ocl. 06, 2012 30 Days in Billing Cycle J www.capitalone.COM - World MasterCard xxxx- xxxX -xxxX -8062 Revolving Credit limit: $30,000.00 Available Revolving Credit: $0.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit limit: $15,000.00 $30,655.31 $1,296.00 Nov 03, 2012 Available Credit for Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $30,297.40 — $0.00 + 3357.91 + $0.00 0 $,30,655.31 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 — 500009 Capita LET'S TALK — WE'RE HERE TO HELP. in your wallet? Sometimes unexpected expenses keep you from making, your credit card_ ANGELA R MURPHY payments; We understand. At Capital Onelj we're here to help you keep your credit on track. Give us a call. YOU'RE BEHIND BY Here are 3 easy Ways to make a payrrlent: • Give one of :our associates a call at 1:800.955:6600. • Mail us the amount due on your statement. • If you have Internet access, you can make a payment securely online by logging on to www:capitalone.com. 0.2009 Capital One.. Capital One is a federally registered service mark.. AU.Pights reserved. Page 1 of 2 Customer Service 1. 800.955 - 7070 Oct. 07 - Nov. 06, 2012 31. Days,in Billing Cyde Capito 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: xxx World .MasterCard XW - - - 8062 P ayrrierd Amount Each Period if No Approximate Time to Pay Off Estimated ' NEW BALANCE MINIMUM' PAYMENT DUE DATE AddifionalChargasAmMade statement Balance Total Cost $31,027.99 $1,978.06 Dec 03; 2011 Minimum Payment 1 33 Years $52,329 If you would like Information about credit counseling services, call 1.988-3268055. PLEASE PAY AT LFASTTHIS AMOUNT LATE PAYMENT WARNING: It we do not receive your minlmum payment by your due date,_ Revolving Credit limit: 530,000.00 Cash AdvahceCred t limit 515 you may have to pay late tee of up to f35.00 and your APRs may be increased up to the Penahy APR of 29.40%. Available RevoMng Credit 50.00 Available credit for Cash Advances: $0.06 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 530,655:31 — f1;300.00 + 3371168 r 5 = $31027.99 You're behind by two payments. let's talk. d you're having finandal difficulties and can make your minimbm 'Payment - we want to help. lets work together to find a saitn on. TRANSACTIONS H elp is Av a ilable. PAYMENTS, CREDITS & A[IIUSTMENTS FOR ANGELA R MURPHY #8062 1 14 OCT CAPITAL ONE ONLINE PYMTAuthDate 24-OCT ($1,300.00) Just pick up the phone TRANSACTIONS FOR ANGELA R MURPHY-#8062 1 .24.00f 'Returned Online ACH Payment S1,360AO Call 1- 800 - 955 -6600 and a.specially trained -agent will ► Total Transactions This Period 51,300.00 be happy to help you check your balance and make payments. FEES 1 03 NOV PAST DUE FEE $35.00 INTEREST CHARGE 'CALCULATION Total Fees This Period $35.00 Your Annuat'Percentage Rate (APR) is the annual interest rate on your account INTEREST CHARGED Annual Percentage Balance Subject to INTEREST CHARGETURCHASES $337:68 Type of Balance Interest Charge Total Interest This Period $337:68 Rate (A PR) Interest Rate Purchases 12.90% 530,822.96 5337.68 Cash Advances 19.80% so. 00 $0.00 Transactions continue on page 2 P,LD;F = Vatiableflate. 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. I 1 5466301937878062 06 0000001300001978001 G � Account Number: 5466-3019- 3787 -8062 Due Date New Balance MinimumPaymertt Amount Enclosed Take advantage. Take control. Dec 03, 2012 .531;027.99 $1,978.00 Q Manage your account online at www:capitalone.cam PLEASE PAY AT LEAST THISAMOUNT Make payments Review account information A61 Manage your account in privacy 400006 ANGELA R MURPHY 753 WOODFIELD DR LITITZ, PA 17543 -6601 Capital One Bank (USA), N.A. P•:0• Box 71083 111rit1 Charlotte, NC 28272 -1083 IIIIIII• Ill' milld I- I III 111 - •1111 11- 1 -111'llr�llhlld•Inl Please make checks payable to Capital One Bank (USA), N.A. and mail With this coupon in the enclosed. envelope. 001 Ofi How on I Avoid Paving Interest Charer Each math you pay yon, "NOW 5al,pi In lint, you will haw a Whenwlll you Credk My PavreerrF minimum grace period of 25 days with no ini charge on all new 1) purchases, 2) balance transfers, 3) special - for online or o•.v the plorre, as of d¢ busimss day we mcelve r, as long as they,,, mad, by 5 p.m. ET, purchases and 4) oder charges.Ifyou hare, Leon payingyouraccount in full will lro iotereechcnces iii and you For mated p.w its, esof to(: business day we recaitie it as brg as: l) you send the hotmm inrenof Iles ;a net pay year rairdbillm fu! retard l,• zs dia.gea All b, aisessed. There i to grace period onash adioneca, saurn y -mc iIre r:closel 154ta- ­Iopx, are. 2'ym. p'.ymr t .ec. :ra I oni ai,az oarlaa[Or on znyccwharisictson Wien[h.e Isar O p balancarn i p!evbw bill, pmessrg opinions dy 5 p.m. Iucal, me. Pe— aIIDw at bo.oessdays for ma dmnery. Maloof pay:rxM Howkthe erest Charge applied? Ini charges auue lmm the U date of the transaction, 2) card the nm.'ved by us at any MIT,leclion ones anyother iprm mayneLlbCrrdifind as of the drywe n!viw jam. oaroad'an is pmr:o -of Or 3) Nst callirbif day Of bl irig • Ind. MoNS! dangea —wo cnovary III amount Do you Process Paper Cheds as an Electronic Ponds Transfer roar' .swill be pro: end in one of two um!l it is iii to drI.This means you onsi irteres charges raen Hyou praythe p ire'New Batance"a.e mamh, ways: when you perki, a check Or neck infomati•rn ro.ri a payment, rLr auUcair:..,or our ag=n no uses if,, 6utdd mitdo so for the previous cool Unpaid in!e!estdarges ire added to the prop:l xamenlof your Account. hhuni5tbn to M4, acne Urdu ACH bansect'ana, Offer dec0ouic turd banter been your ceposita<couA We may No—, we rese-th, right 3oreta9'ess:ntt'eA diargasatmrylime. dish ns ?fh.ndClemalL'Jfl I- ,prD'..(.s, r ed payment as aceck!'ransttlion.. - Do youassess a Minimum brterest Charge? Yes. A Mori lNLERLY1 CHARC E Otto 50 All be assessed icreach What if l file for Bank. if you are enfded W bank, rpq protetk;r:, Ods canmmniatcn is for mforma ;iI billing perinA ysur acorn. is subj to an ir:ereal rhmge only it is not an attepi or to colicnir oases, er,cover aaeofor claim. Do mottord us pay _ms w spe.akang With How do you Calculate the Interest Chain ? We j s, a M Jed called Are . Le Daily B {e l nJud' g row your bark opt y tlo r qQ.d,o Pankrup yC ut If you or ymralE yvru dl ke to croon, W ten oup.yda'nns nzns,rtum). Uri thismd!ttd,wa:a:alcelate yaurtia:iyxLnr,cea . h ..g.erd, :)hke -e lMg m;,9 pal. .ce service&e.ny, on -rcre t: CadealO: Po Fre, ~6285 S=t Iake. ry, ,.:/13GU..cS and add in raw transactions and the p r iodic, interest c?argc on tie previous days balance, then ;) subset any BILLING RIGHTS SUMMARY {Dots Not npplyta Small eusiriecs AnwunU9 daymerasard crtd'nsiorlhitsegor asof d+atday. The result is d[edeily balance for eachsedmerd. Howi if you What To Do If You Think You find A Mistake On Your Statement: If you 'drink rare is an error on your dedym. prormins mend s oala ^m in III i? your balancewai raw - a1m>v!h;ms:. s1aW:ienLvaite to peal: W your food sear special parthausngmenlsare notedded to thec fly celancea.Also, tali -dons thantm_suhjactU ,grace period are not idled to the dairy balance:. Cali Ode Neet, to find 4wra -Dal! 3zlannn:')add the dad balance, together for each 99 ues?, and ,' it ce, the sum by PA.a Bu-102E5 yo 9° Y Y• - - 1 SaR Lake r ;y, u'04130 O2e5 - tip number gi days In the oiling Gydd. Aide, end O.'exh filling ryde, we delermi ,ypu+ Interest Change as Allows; l) mollip!y your Awrage Daily % farm In your inner ,givrusihefollowinginrormmcre - hy; to pa ly perrbcra:c lA?;1 d:vd,:d by 55}Ipr t ^at seg nh end ei_,:it;iy th. :,sub l;y ffer mbe•p' days in ire - Acct._. - rr`om'::rn Y,iu -. raffia and ,0.o. .. :umUd'. hdlirg period. NDTi: Dudmreurging ore mheimum iMmes; charge, this ukula'cr: m�yvaryhnm 4ie inlems;ci!arga - Do!Pota i'n� TA, delta? amount o't: ".c sispl¢ed door. actuallyassessed. - Imsc!imien of Prchlenc d you thmkthela is an el lot onyanr bill, desd:be what you Ld one is Yong and why you How on rty Varlable Annual Perce rrta le Rate ( APR) charge? Your A :4 may increase C:' decrease rased on One before 1 .15 a mistake. aT ,following wool d indices(repoied in The Act115tree0ouuraU. To rxl[vhkh mdaxs used for ycur ;e:wurn4 You con' us vein Odaysa us, h, of,., appeared On your speetri look%a lute,00doer 9T, front of tts stmrrow unlit to per APR;,). Ton deck the table below You must[ rcifyus of ary poterril euets to x'iu You ray call us Or runty us elreponially, O'r, it you do the are Code next to your How do we calculate your APR(s)7 When yourAPR(s) net ien!:'red to irrvcs69T, any oncrdial enters and you may bare Wpay the amoum In quest ll, V2e WI rc!A y yn', APR(i) I Index + Margin(Prerlously dhdosed to you) will charge I wen Dssith, x) T, of re. neipf cr yxr P Prima Rate + margin Tile led day of tfe billing periods that W,p we irmasdaate whether or not there fees been ano ft followngg are true: 3 month LlDi +rnagan end lr ;ao., AO- rufy, and Oct. We carxct[yWdollo� ;H arr:io Gection, a'rernd r'a'rngaerignnaCarpurn. D Prind+. Rate+ mane Tim Nest day of each Bu m ge ormi ne rn maymmo': r pe m yo m W ,pEand ww p ay di and i ci ru i c r an y i n[hatamount. F 1month IIFOR +ma!ein month ;bil6ng."Ord. BN,lfwedetomun a U 111. made, m! slake, you willopthare^Wpdy d!eamount in cuesbnararyinta !eaierolher Y f_es related W d!�amCUnL Are there Additional eooc associated with my accburn? Yes, under ccnan ciumstanccu,you may be assesasi a - While you do not flaw b ;pay the a^lou.:t n cnesxm until we solid you a rruce axut Lhe oumna of car teleaf Rebllned Payrnamiee.You mai beassesacd Conn lien':lii(Pointed by law. We rexne Oledghtto not i- 5igatiop, yuam responsblefor the remainder ofyour balance, assess Ii wide Pro, rai and without wale ;c gun dght to asses, a singe fee taint. . VA Omapdy any pi Or a..nt agamat your oottI fm i Now on l AVOid Membership rees a Renewal Neii -, ponied on do from pl this youhr!ay aced Wral 90dayserour""int fyd! Ltmr, we wi!I s,rd you avaidon rptirr expiering dither UeatvR CneCad [pe fayirg ar, anmral mcrebrahlp lee bywdardng Customdl Senmae no More;han 45 days alter the last day in fire billing erro ho appear on font miesalementl or the. reasons we beliew-ne hill is raped. ,yfe dewlctl by this sta b rrcuen 0 a we close Your a^wunL to aced pay ^g a mp 'ly mz a.r hm fee, Your R hb IfYOUAre D'ssatM'red With Your Wit Ca[d Purchases. If u - re d!ssau9�dd wN h nods cr for a:usWmCl kind- aryl^ reWnccr, c- .tle -.t wee Clesa.yr:w accounL..rJ we ~rill too assessYg yc;r mp.. i�ry 4rvicestr t}ru `.raw p ;-chased with your dedrra:d „rni you ` ace:',edrnax) isth to cover. the indolent w'th manobersF!pie0. the mard!ani u may haw the rigid notta pa ire remainm amount due cn :he uase. To use U'dsrghL the How on l Close Aaounn You can contract Servke an Jme to that we nose AaccounL At sYo Y ) g� Pur � �W v a r m r or, h datcome, wv” oplisir. ami - n dit a to ck rue . u Iva � e [ y slip? l ntwe a nd lire I _r Please note use yr or, , rdedtt barg ar,tW acaarv:aftefy ua,kus loclo sd t,rw carn kii yrrul lock O t. csxs y sr'are e -or[ y or[ca !r p:r-hase.eu!chz es made ralleu.h au.arxzshumanAlMetwUra e,muntopen. Che;.k t zr a uxd [ card d w acrour I'. d.. o.,t quality, and What happens if my Arrearrt k sr7�d =o wed may load el :nerd yes auau.: and ye o:t Wolusi d; 2) You nus nor yet bar (ally µac luLCp rrasc atcrytrio and fm ty ri ar , nceir, cn i! We are reLn de aun. Account -fdo , on can an n cry I, n be f T or torn —try. . If as cfill e .a..:a ao,r . e -e x_:c you: � unit dl•saicfed wia'r the p..raase, dpraaot us n.�,ura1 your acmuat is closed or arsparded you must [) Top usdg into credit card and ac our,, 2) cancel all automatic Capital one palmetto, i) destroy arl Oeditcardsard acesschavo,ard 4) pay all empires you ore us, own if they were charged P.O. Sex 3J15h arR, the account was dond uI 5'aspanded, earl19ka Opt, J 641366255 How do t Make Pavruerts ?Ataryt: m you may pay t!eminimum payment, t'ne WLah;npaid Bala ce, creryaropent yrrhit, vre nrraiga;r„ the rubes apply to to disc ud amoum as d!scuaaed z7�w. A[er wo fn5h cur in 'Orlin gorit y ^radar .r .ys rrnedgatc wowilldslicuo; dens!or:.ALd, t K :,Lifiw ana: cuntarx)ys;udo eft pay was may t)Orl byoc rg ao'alrrd c: a. d cg n cunt 2) Td paor c Ve�ca R ,o z, sysm: I y d jl o 0 ? }?55 7Wu and Iellowir tlur wiw peorras vA>.nn you nakc a mPu p UIS cotrrGueri. pinru pzynem through ow wrirn:as;wnsd sysa:m, ygu amharin+ us In indiex an ACH Or elnNrnc oayaadt Unal will Captal Ore suprorls udonraeiva pronryproredk;n; sae gun vmlaite at vnvw .urpitalormdem be debd=dtrgm ygw ;ktkaxcunl. fonds may he rvald v o:: pun tzark accu-!as scc!aa Dee sane day rw C;'2:r;:,ar,.,IOr.e. Captal One lsa:ec�a:ymgnt_ red se:nre;nark.:VhighLi reserved. preces3 ydur payment 3) Calhrg cur telephone ni I son 95 -7070 and pnoadirip yhm udmmaliorr!p our repmxmatint; 4) Paymenb'try it mould be sour in IT maiing address provided an the ixmcm portion of Ibis sraetrnenl. EIGik3 I'I %at!Y! 1 Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ....................................................... ............................... © we process your payments smoothly: Home Phone ............................................................ ............................... • Don't staple or paper clip your check to the payment slip. Alternate Phone. • Be sure to use the payment envelope that came with your E -mail � statement. Using a different envelope could delay processing. Address ............................................................ ............................... • Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink. number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Cap1 Page,,,, 2 +pt Customer Service 1.800955.7070. Oct. 07 - Nov. 06, 2012 31 Days in Billing Cycle www.capitalone.com World MasterCard XXXX- XXXX -XXXX -8062 Revolving Credit limit: $30,000.00 Available Revolving Credit: 50.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: $15,000.00 $31,027.99 $1,978.00 Dec 03, 2012 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New . Balance $30,655.31 — 51,300.00 + $372.68 + 51,300.00 = S31,027.99 TRANSACTIONS CONTINUED TOTALS YEAR TO DATE Total Fees This Year 5149.00 Total Interest This Year $3,570.07 You were assessed a past due fee because your minimum payment was not received by the due date. To avoid this fee in the tenure, we recommend that you allow at least 7 business days for your minimum payment to reach Capital One. I ;taX- MAKE A PAYMENT. AND TAKE CONTROL 500010 C3�'i1 what's In your wa /fet7 OF YOUR CREDIT WITH CAPITAL ONE? ANGELA R MURPHY Your account is temporarily unusable. The good news is, by paying the amount due on your statement, you can still bring your account into YOU'RE BEHIND BY good standing. Let's work together to bring your account back to good standing. , You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. CSC 2009 Capital One. Capital One is a federally registered service mark. Ad rigbis reserved. Page 1 1 customer Service 1. 800.955.7070 Nov. 07 - Dec 06, 2012 30 Days in Billing Cycle i.aF7/Ts7 www.capitalone.c m MINIMUM PAYMENT WARNING: U 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: • World MasterCard XXXX- XXXX -XXXX -8062 Payment Amount Each Perlod No Appioximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $31,358.64 $2,622.00 Jan 03, 2013 Minimum Payment 1 32 Years $62,287 If you would rike information about credit counseling services, call 1- 888 -326 -8055. P=E PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not receive your minimum payment by your due date, Revolving Credit Limit: 530, 000.00 Cash Advance Credit Limit: $15, 000.00 you may have to pay a late tee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40%. Available RevoMng Credit: 50.00 Available Credit for Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 531,027.99 — 50.00 t 5330.65 f 50.00 = 531,358.64 You're behind by three payments. But you can bring your account current by paying the minimum payment amount on your statement. If youte having financial difficulties and you're feeling overwhelmed - we ward to help. Give one of our associates a call at H elp i s Ava ilable. 1.800.955.6600. You'd be surprised what we can do together to work this out. TRANSACTIONS Just pick up the phone. PAYMENTS, CREDITS & ADJUSTMENTS FOR ANGELA R MURPHY #8062 Call 1- 800 - 955 -6600 and a specially trained agent will be happy to help you check your balance and make payments. FEES Total Fees This Period $0.00 INTEREST CHARGED INTEREST CHARGE :PURCHASES $330.65 INTEREST CHARGE CALCULATION Total Interest This Period $330.65 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 5149.00 Type of Balance Rate (APR) Interest Rate Interest Charge Total Interest This Year $3,900.72 Purchases 12.90% $31,187.49 I $330.65 Cash Advances 19.80% so .00 $0.00 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 5466301937878062 06 0000001300002622009 Account Number. 5466- 3019-3787-8062 Due Dale New Balance Minimum Payment Amount Enclosed Take advantage. Take control. FJ, tan 03, 2013 $31,358.64 $2,622.00 Manage your account online nO3,2013 PLEASE PAY AT LEAST at www.capitalone.cam THISAMOUNT Make payments Review account information Manage your account in privacy 400006 ANGELA R MURPHY 753 WOODFIELD DR LITITZ, PA 17543 -6601 Capital One Bank (USA), N.A. P•0• BOX 71083 lllrltl Charlotte, NC 28272-1063 ulllll• Ills• nhl• Irhllfllrrllullrrllrlrlll�ll ••Ilhllll•lul Please make checks payable to Capital One Bank (USA), N.A. and snail with this coupon in the enclosed envelope. O71 ao How can I Arad Pavlrg Interest Chegest Each month ycu pay your "New Delete" In full, you will ham a When will you Cie& My Patinern tdnfmum grim period of 25 days wth no brtemst charge on &I new 1) purchases, i) balance transfers, -) spedal - for on:re or Duct Itc plane, as Df Ne trAlna555 day no receive it as Zang as they are made by 5 p.m. ET. pm and 4) What charges. H you hale Weir payrg yuuea ®unt it lull Wth rq fratestdorg:s appled aid you For smiled payments, asa! the busines day wema ivi:4 as brig as: t) Svustnd cue iottan{nnCn of RAs do nag pry purr bill i. (UL Foiarad 44restdurga5 seal be assessed.. Ttna is no gram period on cash adv3rces, smmeM aid you check In do euclosed remittance emsope, aid l) your payrent is remise: intone of Our spPdil bardleman an any( a winsaabn wten there is an urroed balance from a Imidu ,lift pucessruawners try!pn. local tire. Please effort atlesen( 7) busiess days to! mail delivery plated 0". rw How is the lmerest Charge applied! urtemst charges acuue Iron the 1) date of the nareacliort 7) dam the 1 RVrd by us at any Dlhet location of a. any Curer farm may not be aedeaf as of delay we tenth, then bar6ancn is processed of 3) fist camdar day of the briars pakid. lmanistclurgas acum on every unpaid anuOm Do you Proms Paper Cheds as an Elertronk Funds TamleR Payment wN be promssedl Intone or two win it it paled in full. This means YOU may MT irdemr, dsei a. even F. You pay the erfrce 11m Datance' are meth, w. r: Y.hen pu pcuida a check ar deck imil -adon ro Hake a paymrm, you inift a Use cur ease to use Coe but tat do so lot die jaevious meth. Unpaid barest d�arges ate added to fhb proper, ymantOf yon h=nL inforrnstim to make a line rhoc A01 Oamecbail or other dec0onfc fur dvardtet from your depositacoduAJAm may Hovestt, we revxthe right to miass'ss ineercv. charges ataxy drroa. .also use rle+aiormalionropxass the paymemata nc�cteansadcn. Do you assess a Minimum rnteiert Cheoe7. 1ea. A minimum INTERESfCKARZE offO -5Dwil be ataessed for oath What H f lee for Bankrupt Ryan are erei'Jd ti banbuptry pio:eairl thusmmmunicatbn is for inform ;oat Whig period your axe-, L subject 10 an Raciest charge. Only. It Ism, an attempt to coheir, assails a recant a deb: at damn. W riateend us payment wdovt speakin Rude .How do you ealalne the Interest Chagev WC (tea metteid called ArmaaC Da fir Nam 6ndudag rP.w Your b"""Oryananey a Ito DantruptyCOU:t if ymu ar yourattamcy would like tocorectour bankrupty dains barracam):U.•der Rrismelfod, we lit ca' Mate your dailyhlance; for ode s3rnery p law the legunitg babnm ader`ome. d''erJy, dense contract (aaf Dne.•PO BOX 30285• SO lake City, UT 5 136-0285 and add N new narsmbns and the perkxilc Interest charge on the prtMDUS days. dabme, then 7) sabuact any 811 RIGHTS SUMMARY (Dom Non Appfv to snsall Br elm,,s Areamuta) payme and credits for that seomzot as or diet day. The msNt is die dally balance for.esdhegnanL HOrever, if you What To Do if You Think You kind A Mistake On Yom Statement if you think there L On enbl on par pail year plans momMs balance mful(m iTpur balance was as ora Dada ?air urn, row bamadim,; rMklh post jueme yv+.r tO ask bpur puicteearipiedal pu he . segmeneam notadded to thedally babnas.,Uso, bansadiDut Detaresu11201b Ca , kl (laid 9 gram period areraI added m the daily belarro-n. P Next, to find pea Amrage Daily MIR— U add the dally batand, bndhu Im earn .9r ill, and 2) div'dt the $um by P.O. Box 30255 tie nmrbm cf days (u rte b 1rg cyk.. Sail take Gty, UT 8e130MB5. Attie end of eactr biding ryde, cox determine your lnlnesi Gwtgo asmiloret: 1) mafflA pu Axe:aye Dally Balance in your letter, gnu. us tie fallmikVkdotmron: by the daily M. l!e(APR'drvided by 355)la lhalsegmem, and )) mullipy de twill by the number of days mthn • Accountirh:matent Your rime and acoeur mimbel. offi period.NDFI: Doe to lWaKfing Of it nuin:umhum,'I change. this caloArlion nary my from the interesi charge • Dp'ht amoun* dsllat ainOUm at War. :atuaRPassec.d. • Pm;i;lonof P•;;bI If you thirrkthare is an.Wmi onyom bill, ddscrib: when you VIvin Is w and ss/y you How an my Variable Annual Peramage Rate (A PR)dtange? Your APR may Increase of d"cre3Aa based on ona b em it is a m'5leke.. of fofbwinefepoild lndites(m{oiled in the Wall Street lounMd. To red whdh hoax Is Used for yon ac ma, YOU mosu mmaaus shin 60 days a`er n and appeared on pUr stat"errbra. look fadlaw code on defnad of dris statementurr. to yo APRs). i)rn check the table blow. You must notify us of any porendil otters it, "Nsy, You mayca!l usar rattly us elecoonbally, but fi ppdo ter am code mart to your Now do ae alculate yaws APRs) ?. When your APRs) rooen,uhrdto inrntigate any patcmbalomm and you may have to pay the amount inquastbn. we whl rmtifypu APR(s) Index + margin (fireyha aly disclosed to you) will change to s^nrg wain 30 days Of our remils rA face term, P hired Rata + mrgin The Drs day of tie brig pelbds that Wild vm krvasrioae whetrm a not there has been an arm, the fDIW,ng are but: L anmmh [IBM +margin end imam., hail'. I*,, and OCL • We renal try to collect to amuntIn qumadim or leponyau as imikiluat Onifat amount. D P'"?film +-0. If fustda of eacI -The large inquesksn maymorsinonpursamnrn6ard via ms /mnenue to chase yru hrxieren thramatut F I tmMh t IBM + e. In momhl lb pentad. But, iftsedielnnne thatwe Medea m'state,yousvill m lum, b pay die amaumin DUessbhcrarybnateslaicther Ives mlated b dirt armunl. Are them Adedtiound Fe ee associated with my account Ycs, undet certain di—s artma, you may be assa5seid d . Wldle you do Prot hard b pay the amoVm In.quastial Cliff we send you a notice abcW,, did, outorb of our 1ndof Rennmd payment turn. YOU maya' so Wassessed Oictlimtkes if Minded by law. tut talcum the right to net buxstiQeion. you We m550r .9tre for de Remainder Of your balance. assts leas wRam{oor raniod and wihPur, !4 ,49 our rigor m assts a,r.maar fee leer. . We can apply any unpaid arou(tagalmt your medt dint. How anl Membership FRR lea Renevral NCtke is odmed onrle fiDnel Rds ;vlemert )au mayasoi' YAthin SDdaysbf atT raniyr af) CUrkt: er, YR willsad yllarnitlerh refill cgieiimg cider dutwb mnecld COb paying an annwl cembera't fee bycomaCdng Cusmme -smN to mac than 1,5 days after the hurley in the billing meat ho appear on your ner,caltmpm) at the reasons wd benevethe hr.] hteased. .yde corned by this statement to inquest that ve doe your account. to avid paying a monody nembenhlp lee, contact Customer Wad anyim. to request that Yr , lose your acoMl -ard wd vrill ODD assessirg your monthly Your Rights if You Am Dissatisfied With Your Credit Card Purchases. If you atedssaOncil srth Lh membership fee. erv�cas that you ham punhased oath your cu dtare, and you bar vied in good faith to car ma tee Patdan Ruth HOW an I Cksm A ®lint You canwmacr ctcbmar Seykean Joe for z<t duel we cbrsm Dui axown. At the metEba%you may have the right rotto pay the mmalmng amour die on the purchase. to use Wight ft - -�Y Y - S fol-Ing cool of nor: fire fire, well exalai any additional steps to sxourr closure, mdudhrg balance coy darer iAon:u5on and timdnes. Hbaseloroth debt, use, parcred[tordarduges post to put accouotafxr)euask us toduse n, cod tell kip your 1) You must ham used your clad t card for the purcazso. Putdrr_zs made with rash a`ermslmur an ATM or wits "niedopen dttk that a¢eces yon, Daditcanl arcanadD ro( quality aid what happens H my AantiranStapeo>1�Y.0 may dose or susprrd your account and your acht to obtain credit 2) You mrrF natym ham lutly�dfor NO pmdrasa. at arybpeaid I., a,, neavr,,fwen R)eu ee iro; ah de`.aeh Awauni susperhsbn an be {ierrtanenhai lcmpoiary. l r if a+ldta Chi;eta above are netand pu arc srtlidi :sl¢ skied w}!h the {n:iduse, cnnad usi ^;irg your account Is closed or susended you must 1) at a fog your and - t card and amunt, 7) anal all avonatk delude Ore payments. 3)desroya'l credit cards and access cferls, aid Upay all amouins you ern: us, even it d!ey raem charged pp, sax X255 Air the account was closed or suspended. Salt last, Gry, UT 6 1300785 How do l Make Payarib At arty the, you maypaydie minimum paymind; Cq toraluniced balance, cregamoun yfife we urr5rf ,m fhb lamb Elise to and amount as discussed above. Amt cd fin6h out in letneon. Payirmus maybe trade it several ways: 9' apply �r a tl OnRne by gem. to warxapitdre.com and loggiro inks yaw exid mt (msstiptont we YRI tell you our ddusan. At diet Ito uit H m think you a m art amountad you d7 not pay wa may r Tetepione V40 Rasportr Sysem by data l- B)}o55.7070 and faROwdg rid value plait Vr— you makea micWt you adctN.M. pardlayetmnit obovavaim SVmn, you audorirusto irmi art ACHorctedroneoaymrm that vn "I Capital lrm upportaudamutionpdvagpasegcncCP .as, cladYatwxwtarilalorm.mn he debt+.d tram Pan bank arcount. funds may lie %nAxbavn from pun bank amount as soon R tfe sang day rim. 'eta 2011 Capital 0 ;e. Caplad Cris h a fed. ally regltbed. —he murk. All i;;fiI5 meaOind. proms put pay -em; J) reflkg an takphone rgmhei I-Mg 55 -7070 and pording pa mhummion ro our mpnasenaave: a) Parmine by mail Shmid be site to Re maaig address provided on the tottom potion of This sratomat. FTC-0it t 1(Qft 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 .. ............................... ........................... ............................... Q Don't staple or paper clip your check to the payment slip. • Alternate Phone ............................................................ ............................... Be sure to use the payment envelope that came with your E -mail �!� statement. Using a different envelope could delay processing. Address ............................................................. ............................... • please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink. number on your check. TAKE CONTROL OF YOUR CAPITAL ONE® capita! ACCOUNT AND KEEP IT FROM BEING what's in your wallet? PERMANENTLY UNUSABLE. ANGELA R MURPHY We're here to help. You can regain your charging privileges and bring YOU'RE BEHIND BY your account back into good standing by paying the amount due on your statement. Let's work together to bring your account back to good standing. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. O 1009 Capital One. Capital0,re is a federaUy.regisrered service mark. All riyhtr rerertud. Page2 customer service 1- 800. 955.7070 Dec. 07 - Jan. 06, 2013 31 Days in Billing Cycle Caprfal www.capital MINIMUM PAYMENT WARNING: If you male only the minimum payment each period, you w11I pay more In interest and it %-All take you longer to pay off your balance. For example: World MasterCard XXXX- XXXX -XXXX 8062 payment Amount Each Pedodif No Approximate Thfie to Pay off Estlrriated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional Charges Are Made Statement Balance Total Cost $31,739.05 $3,319.00 Feb 03, 2013 Minlmum Payment 32 Years $62,362 If you would like Information about credit counseling services, call 1- 88&326.8055. PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: if we do not receive ur minimum yo payment by your due date, Revolving Credit limit: $30,000.00 Cash Advance Credit limit: $15,000.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penahy APR of 29.40%. Available Revolving Credit 50.00 Available Credit for Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 531,358.64 — 50.00 t 5380.41 + 50.00 c 531,739.05 You're behind by four payments. But you can still bring your account current by paying the minimum payment amount on your statement. Need help? Give us a call at 1. 800. 955. 6600. We'll work together to find a solution. Help is Ava ilabl e. TRANSACTIONS Just pick up the phone, PAYMENTS, CREDITS & ADJUSTMENTS FOR ANGELA R MURPHY #8062 Call 1- 800 - 955 -6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 04JAN PAST DUEFEE $35.00 Total Fees This Period $35.00 INTEREST CHARGED INTEREST CHARGE:PURCHASES $345.41 INTEREST CHARGE CALCULATION Total Interest This Period $345.41 Your Annual Percentage Rate (APR) is the annual interest rate on your account TOTALS YEAR TO GATE Total Fees This Year $35.00 Type of Balance Annual Percentage Balance Subject to Rate (APR) Interest Rate Interest Charge Total Interest This Year $345.41 Purchases 11.90% $31,528.90 I 5345.41 Cash Advances 19.80% 50.00 $0.00 Transactions continue on page 2 P,4D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5466301937878062 06 0000001300003319005 c aw W Account Number: 5466-3019-3787 -8062 Due Date New Balance Minimum Payment Amount Enclosed Take advantage. Take control. Feb 03, 2013 $31,739.05 $3,319.00 Q Manage your account online PLEASE PAY AT LEAST at www.capitalone.com THIS AMOUNT Make payments Review account information Manage your account in privacy 400006 ANGELA R nURPHY 753 WOODFIELD DR LITITZ, PA 17543 -6601 Capital One Bank (USA), N.A. P•O• Box 71083 IIIrr11 Charlotte, NC 28272 -1083 lllllll• l Illllllrrllllllrrll •I•IIIrIIrrllllllllrllll Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. 001 How can 1 Avoid Paving Interest Charged Each month you day your "New Oa:'arce• In fu!!, you will `axe a When will you Credit My Paymerlt minimum grace pen of of 25 day with no inte lost charge on a'.I new 1) penh.ses, 2) balance Irans(zrs, 5) spri,I for on'ire or cue, hi pi*m, a$ of the Inkir day we receive it as bng a$ hey are made by 5 p:m, EL purchases and 4)obstcfiahgr.5.tf you free Went payrgwura -untan Ulf win ru initresutarsls applied and yen Far mailed paymams, as d the bus!ness day wo mcen+v it, as dug ass t) yenscnd t"ne ,whom Polito, of this do not pay your next hill m hu4 punned ir:ens[clwrges will be assessed. T.^.cle Is no grace Irrod on cash advances, sonament and .your check it tiv enclosed remiltvnce erlte.kov, are )) ylm! oaymela Is rau'!hm," in on?. of our rwdil inansirus. -, cf, any :owta'sali_r, rh"hmes au unpaid baianc :.mcup > hi. pmr.,,r. "ers legaltrra, P ase ar.w_.eaai01guars days to ma:l dew7y. Mailed pay, —s Howes the Interest charge applied! Inletes[ charms aarue from the i) date of idle dausedion, 2) date the Icre'vad oy us at any tuluf bons, ono arty ohm. to,. may notbz ,,dRed as of me day we mceice them. llansactbu is Pmcdstt:d of 3) first ca!ondar day Of the b l ing ;rood. Im2t2S charges aceue on every unpaid amourn Do you Process Paper Checks as an Electronic Funds Transit, Payments will be macesxvl in one Of two uwlit is pakl in lull. This means you may Owe mte;es chart's ere,, F. you lust' F -_n3re "New Dalarce•ce manth, wave: rim e,, you mcvkrac`eckdr urea re. - anon. o: -rakes xynr -nt yon. autnrizx us or eve a7s:o us° "e but did lot do so for the premousmont Uhpolaciestclangcs are added to luo proper segment of your NCounL in`ohmahtnbmakeaeneU CACHUaredQ,Onc cUlen.ccU nt lmdUansfe,honycurdeposrtaccounL. Wemay HnvA wan, we rest in[tho, gin to nnta ss le4s dargnsta•ydrm. ese we It.. rI maniO !u press the payment asa Onto arlsedtr•. Do you assess a Minimum Interest chance? Yes- Amirumum IN ERESEFlffl(iE o`$05DW l be e5sessedfer each What if l[Re for BankruptM If you are troll b hank ptcy p communication is tea infomr:t!cn billing period your amount is sUbj ?,l to an ime!ea rharne. only. nis notco'bernwto cote, a. 5acr onovet adem claim -Do octSend us payments wtoetspnabrgwth How do you Calculate the Interest Charge+ t:'C use a metfad called Avelago Daly Balance (indudig now you bantuptryatrnney o, the nink.updgcowt Ifyou or yuratmcy wood like to contactour lankruplcydaims dansa�uras). Unde *Ihl—l✓ad, we 41st afcuia;O yurda;tyiralance; Per each .g'; "'t, '!)take lee l ^g.nchg balance 50rvsc directly;p! east contact Capital One •FO Be. 302E5 •S:a, Lako UT 8 0285 and add in new Uznsedio :his and tee p rodir, imerest charor. on ire pralines day; tailanu, then ?) so7:r+tt Wy BILUNG- RIGHTS SUMMARYfboes Not Appfyto Anal! Business Accna!nisi paymcntaard eneditsfdrt el.9med asef thin day. The ruu!tis Ure daily balance for each self renl.. Howover, If you What To Do g You Think You find A Mistake On Your Statement if yen, blink thane is an Coin on Your ladyror prrriousl, ontYS balance infull(ol if your belancewas uroora aedaamrunu, newhansacti ii; rJhid,ios. aalemenWvicela Us at to your :da -Of sx-x If -ha .seg zn'.sare•otaddedb fed ) belan—ril —an—ti tt. ;amts hjectb ,grace period areal added to todefly balaxes. Gapml One Ncxf, to final your Auncage Daily Balanm: 1) add th±dary baUnces lagrttcr for earh sr9mool, and 71 dMdc the slim by P.O. Box 302 °.5 ft number of days in the. t hlind cydr- Sell Lake thy, UT 84130.02£5 A: ill, and of each bit :mg gale, wa denrmhne yum ruerea Charge as sall.— 1) mullipiy put Ave.a•ge Dally Beler. In your left.,, g ia, us the tellawirg fnlmmalcac by the daily periodic rare (ARdivided by 355) lot that segment and 21 ainhiply the well by the numlri of days,,, the - A000U n[iounnatrn: Your name and aaeunt manta, 69 rg 1. :'m :I. YD.P Doe to reurelhg m a ni maim irlhne.t, change, this rnkule'en may racy fin, It, neestc akge • Gp'ara :O :n * The d�lla o n! :i s,SPK':ed erns. ,la"llyassessed. . Wscp'on Of P:ghlerT hyou tmnk ihele isan vial on your bi !, dexnbe what you cut On iSw;orrg and wlryyU How can my Variable Annual Ferranti Rate (APR) change Your APR may fracture or decrease basal on Gee teleran is a lniSAke. of tier following ,opened ind!ccs (nepmled in 7 Street Journa). To fird whhh index is used tot yea x Otrk YOU mu,-, --Im Us x, Pmo 60 dayI ev itc error app-ad on y matam ,, look for .renal cede -.0 On horn of this shaman[ nee to you Ap :ls). Then c'uck the table Info. You must minty US Of any nalm,tlalenbrs if) Whina. YOU maycal USOFPolity us erniumically, b'at it you do we are code nest to your How do wa calculate your APR(s)? When your APRs) hot,equi,ed tornestinele any ummial errois and you may harm to pay the amount in q,esnon. We wi':I runty you APR(s) Index+ margin(previcusly disclosed to you) will change 67%ann - .ithm 30 day, of- Imtaipref yu :'etler. P Purre Ban + magi,, The lost day of the biking peiods hi° Wri we in -upt° whr-t er or not; ere has been an coot ifs togoyorg are tire: L 3monlh 1.1" +mangn end in!an., Apil, July, and W. We canrof fry khcolerJ (he ariterl In qucshon,or reportyou'as delucuent on that amount. - T.e : ^ 'h "go rrX -5o, R, ylema :n on yd :sf I mean, and 'weer mot non toc argeyou irr _n on tin tdmourt. D Prime Rale +:gift Tef any; :a,h lot,i C we etm :et!3m made aurjake, YOU Wl'': I not have b pay ua a un: in Cueikluc r any into test a r vouch 1 month 11i + mall m" thdr, trrkd. tees mle ed to tri ampunL Are there Additional Floc aSSOClaad'widl my aeCOUM? Yps, Unlei CC:" "hill d� :UmnE'CeS, yVU InaY hC d55e5Y,'d a - YAille you do net hai'e or pay the a ^Gun: in :it °Shen until we R)r.d you a wane avl t L ^C Cutur:'!e a' a +if lute c'Refured Paymen.fae.Youmayasp Geasaaadd Omisin C(ms i( prune : and by la:x[Je rcmle Ienghtto not in zr yaua c are re pensok fn�ttc r_ <da.o your lala,rce. assess 6ss warner poor no ;rs and vnrhout wairng ouuight to ssvlss a smear (ex lets. ty can appty'any un:akl ancunt ag?tnsl your rredil limn. Howcanl hid Membeshio Fres Itfi INaike is peerd or Ilm. f this cEeme yI nay arod t :FnJ day of Jar emi of o r yo'Leox'vewil send r..jawl"nof. 'FE :.rg either It, 51we —acted the ,rayingau ,.al r,mbe :Sp'`ee by ,lla.dcC.nomevNce e) come t an 4- day-fire. the lal:ay in me Irg aria: YOU. u r. neat.. :onUcI the ease ^5 w m e bxet c h!. k tOre_t. :ryde cohered by this statement b request that we dose your amount. To awil pay:og a mo memo. a h lee, contact Customel seance anytime b heaucst that wo close you account, and we All stop assers!rg your m0 ally Your Rights If You rue Dissatisfied With Your CfedB Card Purchases. If you ale dh6sats4ed wtl the goods or memhe•sh g?x.. envvs that yen Crop O.scd salt ylladncad, and you hale Ved or good la ?th to ce12Y the p.obl.m will How an I Cbse A ®uaaC YU'J'a!'. wntad' Se YICe an ..!°C b r than tw•. Core UI &CCUnf A ^e m h t rl you m_f have :he uglu Lobo day . V :'crai ng 3RC Jun ell :Ie pa x• - To use this kohl f — •• y 9 ` ° yo blewgrtus.. be. fine: Iladncwc!titplairayddth alsl ps to acoO Ct; uerdr olaalm e y down ad rt .ere Grnxl;lin , )Your must he. uod your aedncaul for the wrOhso. Fuchasesmaade wtca5h..dra•ms hum SuAIM OrwUra Fear note t.atr,'yu use yo.h cede :c rd Or d a g, Post b you ase ,n!aftc you ask us b :lose 4 we an knvo yo,! aauuntopon. ftck : :at acesrs you' Itddt card asourI do n-I qualify, aid What happen if my Abooraurt isSuspLd,.a. We may close or r:sperd your amount and you r ngobcbtain credt 2) You must not yet tai fully paid for the purchase a!aryUm!e and I., arty awn „hen if YOU a.nwL In de,au!L A000Untsuspensbncan Ue irr am :em ^! ;omry if Ifa'J cftfet,ru"i wva. you are shildss:laird with the parch :u contaxt us i-arLug aC your amount is dosed Or suspended you mast i) stop usirg Jilin, cacti cars and acmurnr, 7) <m¢cl all aummtic Cadhxl Ore payineno,3)des?oya :'I acditcadsand accesscheta, and 4) pay aAamourrs you own Us, awn Firmly were Charged P.O. Box 302 95 a'hr the accouru was closed in seSperided. Salt laka. city, UT 6413002£5 How do l Make Paymerdf ary bre you olay wyt•e m!nnnuof Pinned, the blalunpa.d Lai n.: c ar,yamouM While we st. the same rules canna b tare di •gd amount as discusses! above. Afte r we finch our in bevvccn. Payrc maybe •had=n.,nwa. ways hrva_sogman, wa tailtellyouom aaasron.;tt U1at point. iffmthankyou artamouutand youdo net pairw•e may ,I Orf a by gd rG to hwrwrod shoe. cm and ingnhrg in^n your a nmc e r; —f stoo ol l. Im 2) Teln, :nL Vbs=_ R .x: s.5yy.em tryd'.almg I Er)}955 707u a. c fe!bwn., the, vu,hs fam Vd en you m;ea a hers v plx re paymeritlm aoit, xs : x - sysa :n you: •fora m - ,•rM :.:areleemcaaymn-th..rw it CddlalOesp rsmf Icp- :rcypol CC sncur ohs wWVU.umlabre.om le debited lmm yin hank anedum. Funds may he w4lehaw from yon hunk arrow t e seOr a, dr gam, day ve ^', 2011 Capra) O s. eaplal One his a Vde ally regbcued semi, mar k All,i reserved. process yo ur par. en; 'i CEI!ngcur mlephonc r•cmber t„V^.955 717G and mcndirc put %ric .nalian In our "in"nansu; A) Payrmms by rail sheuld in .:,11. the maf!sg address penciled On the tolbm indigo of !ha s'ater nenl. E u�cy, I Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ............................................................ ............................... we process your payments smoothly: Home Phone ............................................................ ............................... ..-,. • Don't staple or paper 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 Capita! Page 2 2 Customer Service 1.800.955.7070 70 Dec. 07 - Jan. 06, 2013 31 Days in Billing Cycle :Rpita • www.capitalone.COM Revolving Credit limit: $30,000.00 World MasterCard XXXX- XXXX -XXXX -8062 Available. Revolving Credit: 50.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit limit: 515,000.00 $31 $3,319.00 Feb 03, 2043 Available Credit for Cash Advances: $0,00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $31,358.64 — $0.00 + $380.41 + $D.DO c 531,739.05 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: 500012 Capital IT'S STILL NOT TOO LATE. / what's in,your wallet? ANGELA R MURPHY Your account is unusable. Please pay the amount due on your statement by the due date. Remember we're here to help! YOU'RE BEHIND BY Let's work together to find a solution that's right for you. You can make a payment with our free check by phone service or speak to an associate by calling 1.800.955.6600. (0 2009 C..'apital One. Capital One is a federally registered sendre mark. All riRlrtr reserved. Page 1 of 2 r Customer Service 1- 800-955.7070 Jan. 07 - Feb. 06, 2013 31 Days in Billing Cycle "+ apitai www.capitalone.com 111 MINIMUM PAYMENT WARNING: If you make only the minimum payment each period, you All pay more in interest and it will take you longer to pay off your balance. For example: World MasterCard XXXX- XXXXAXXX -8061 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 $32,123.65 $4,024.00 Mar 03, 2013 Minimum Payment 1 32 Years $62,405 If you would like information about credit counseling services, call 1 -668- 326.8055. PLEASE PAY AT LEAST THIS AMOUM LATE PAYMENT WARNING: If we do not receive your minimum Payment by your due date, Revolving Credit Limit: $30,000.00 Cash Advance Credit Limit: $15,000.00 you may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29:40 %. Available Revolving Credit: SO.00 Available Credit for Cash Advances: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 531,739.05 — $0.00 t $384.60 } 50.00 0 $32,123.65 You're behind by five payments. If you continue to miss payments your account is at risk of being charged off. Please don't let this happen. If you're feeling overwhelmed,.call us at 1.800.955. 6600. we'll work with you to resolve this matter. Help i s Available. TRANSACTIONS Just pick up the phone. PAYMENTS, CREDITS & ADJUSTMENTS FOR ANGELA R MURPHY #8062 Call 1- 800 - 955 -6600 and a specially trained agent will FEES be happy to help you check your balance and make payments. 1 04 FEB PAST DUE FEE $35.00 Total Fees This Period $35.00 INTEREST CHARGED INTEREST CHARGETURCHASES $349.60 INTEREST CHARGE CALCULATION Total lnterestThisPeriod $349.60 Your Annual Percentage Rate (APR) is the annual interest rate on your account. TOTALS YEAR TO DATE Annual Percentage Balance Subject to g Total Fees This Year $70.00 Type of Balance Rate (APR) Interest Rate Interest Charge Total Interest This Year $695.01 Purchases 12.90% $31,911.34 I $349.60 Advances Cash 19.80% 50.00 $0.00 Transactions continue on page 2 P,L,D,F — Variable Rate. See reverse of page t for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COM TO MAKE YOUR PAYMENT ONLINE. 1 5466301937878062 06 0000001300004024009 Account Number: 5466-3019-3787-8062 Due Date New Balance Minimum Payment Amount Enclosed Take advantage. Take control. Mar 03, 2013 $32,123.65 $4,024.00 Manage your account online at www.capitalone.com PLEASE PAY AT LEAST THIS AMOUNT Make payments Review account information Manage your account in privacy 400006 ANGELA R MURPHY 753 WOODFIELD DR LITITZ, PA 17543 -6601 Capital One Bank (USA), N -A. 'Ill'fl'flflll " I'I' 1 11 '1111111'III fill' II""I f I'lll fl l ' 1'111' charlotte, 1 NC 3 POE72 -1083 ullllf'I "nf11'frldlnlr 'lion "II'l'lll'fh'llhlhl'IHI Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. OUT Do HOW an 1 Avoid Paving Interest Charges Each month pu ,nay YO 'Navy Ewlree' in full, Yen. MIT -i aw a When wear you Credit Mr Paymerrt minimum grace period Or 25 o3ys wrUn W imtlest charge on all flow 1) purtmras, 2) oalance hamsters, 3) special -nm enima an over ihe)Uano, asof the hmmss day we reccim IL as long as they are made by: p.m.I purchases and 4) der chau]es. you have beer. payng}ae, atmunt in cull Wth rw imetes.d —p, airlifted and yvu Fmnrallad peyrnoms.a, of the businesday we rezone it as kor ps: if put send the liolrom pxxtgn of his do rict gay your rant Lll in lu r. prcrattJ m estcharges will he assessed. There is ro onare retool on v ad —ors, sanmindlaml pur cht,k in ( to .idosed a.m-INat rw e elodf nd2;pm pzymcn r.:m tis cu: a =', 5pe.ro banshr., a! many -rw Taosaitlan there rs an unpaid bakanre'�7apetoas hi'.L lira - tssry canters SySpm local U:. z. l,. asedilaw at l =o. >rA busirrzss daysfo: m� :I dxlivzry Mailed p�y^rerrs How is the Interest ChargS appliedp interest charges roue Into Utg l) dale of Tie hansadbir, 2) date dw mce ved by as at anyomm kzation air, arryalmu Tmm may no' be dedittd as of the day we receise Them. uansadion is pmtessd a! 3} List ;a'cnda: dry of thg ml'.Irg emibd- Imv^ st charge, —Loon evny umpi d amount Do you Proms Paper Checks as an Electronic Funds Tramfer? Paymyrs MIT oc P-oressed In ona It"., until his pad in full This meats you mayowe lure ;u :char ?, even fpa uayme amre *New Baiame"are march, wa),: Afner, you Pratica,a Milk or eieccrcnadonromake a payment you lulthe•rina us or cut agensto use,he but ad notdo so for the pl!VmU5 menW. Unpaid ifCCa5tdar9o5 are added to the proper segmental your AccounL nlonmascn b nto - kei due tire AcH Uarp3dan or dNer CIC=11k lull Uansfer(mn your depositaccounL We may . Hnwemi; wareserve. the rig If la notaswssrntelcti draigesatarly lime.. al.: use IlerMmmaloWapots to payanen' as a mrk hansadct, - Do you assess a Minimum Interest [ harge? Yes. A in .01m INTHE5I CHARGE JR.510 w I be assessed for each What it l tae for Bankrupt M if year are entttled to betro :pry Dotecmrb, This dery urication is fa; j,,fam t'n billing period your saner; is subject to an ime v.51 charge. only. is notauarmmo, to corott, assessor recaver a dab-or cram. Do netsend us payments wihounfleak wth How do you Calculate the Interest ChaW! Ys!e use a methadd called Average ia!ly Balance (including raw your banknuptlyaaorney o! the flankruplcyCourt. If you on you alt -urey would Ilke b'ontactcur dent luplry claims 1u, h s1!nderthis m - we fast a -elate puroa.yhaLnre,orachti g.rent 1) takenobeg nr,rg :r a a':ct sery '6..r�ly sa"',cmz:CaPital FOEbx30255 ::ILaaa Gtp...; 5413002E5 and add in rzw bansacill and Lne dmiodr.. irrmest ci aige on the pro-Aws day; balsee, their 2) subiract any BILLING RIGHTS SUMMARY (boos Nat Apply to Senate gi siness Attounrs) paynienta and cutpies for Utat:slrgmenl asof that day. The i si !t is the dally balance for each sagmerk Hormver, it you What To Do H You Think You find A Mistake On Your Statement U you think tires Is an tiler on your paid yuir"l sin tr.'s balaaw in full (at purbalaneewasfirabra <rJ.a.nnanG, raw ^sacdarro ry - f nos!: su;(emern,uw're to vin at: to year aurhase or special p.rchasesegnenrcale "at addad b the dar >) lulancts. 1x;, transadlans Ihatere <, ;bj,d b a grate period are net added in the daily balan'es. Capital One )text to dial faun At g r},!y lalarlrn')add tha daily allanas togeller.for as-h seanent, and 2; c "vde the um by P.D. Box* Yt2B5 Salt La Qty, UT B^13(1 -02?5 [Fc number r. ,, d days r ih.l'ng cydc. _ Attire end of each billing yde; we determine your h%sr,O Charge as ollovn: 1);nulliply Your Average Dally Balance In yew, letter, give us the fat hawing Informal— by are wily perbdivata(ABdivded hy355)for that- segmera, and 2) multiply the result by he numiso of days lu the - pca;uni III in :cri Toni; rame and au:oult rumU3• oil irg panel. NOEL. D. b' bending - a mi—niniemr.'rage. this :al,.,lrc may va!proil The imerast tgv - Tara a: T;ocfa mont "-`.esspeter. eras. adu47,vass.smc. - tte c n x: r of PreblenL ff you elifirktheic is an snot on pear bTL describe What you bcllew isworg aid wiry you Rowan my Variable Annual Percers, Rate (APR) change? Your AN may ingesse ordeoease based orl behem K is a Instate - elo :lawirg repxted indices(repa lad in Ttio.ha ;l Stmet loutr!aO: TO ;'rd whkh indsuscd fu. }e rr ;'aunt You tru ,rr..'<d bs w :mr .9 day=.a �r [.r. error approved on pw rate.rnL ookfo a lipmucedvon Ue. Eon4 ohhrs 2zlrm'eni fret, to pm APRis). Thttil clreckthatable below You mus, verify us of any porumial enors writew. You maywil us Or notify us elecnoniudly, but it you do wt ore Code next to your How do we calculate your AP11i When your APRs) ei -neind b inmstigarc any potential arrc, and you mylia'mto pay Ure amount in qu.stun. We WIT nary you APRs) Indal, + margin (previously d to you) will change 111L13 - within 30dasaf un- �csiprof your Icne :. P Prima Aam +margin Tie Rim dayol cie biting txtripds the. Win a we.inmsbgate wrinf!er or not there has been an all or, Rue following am toe: L 3marib 1,10I +margin and:, jao., Apf, euly, and od. - We cinrcit try to colkrthe mnountin question, anepodmu as atin Don fat. amount. D P Role +'nYICn TPf'ai ray 0 {ect . h 'T hC r. alga ngX+S:'rnm yldmoin on ye' s1 hment and weave Jr ntn4e b charge you in, rest on that amoufrt. 1 ,nth l.R>;a +nald moelt `il6nr;Z BuU tlWdet li e r—ul. ueam's ke yoawll nothaee o pay Ore amount nquesong ryrr restarothet Ides relasC to d'w�aneur;L Am there Addidernal Fem ass"iated with lily account? Yes, under ce;tini a cumParia's, You may be assesaccl a - Y'nii!e you Coo riot dais, to pay the amdrum, !n rpetramn ufrl we send you a rodeo adc . i"e oUGame to our Wile of nttumed Payrnent fee. You miyal so Gin aressad Omdimi :Llecs6 perm;br:d by kw. Nfe reserve Uie dgMironot mms69a don, you are responsible for the remainder of your balance. assess fees wnfout ptgr note and memit waiving our, rlght!o assess a smile fee later. Wa ran apply any unpad amount agalrm pw aedH !imn- Howonl AvoidMemhershioFees ?It r "wal No:iro so" d en ice i of thi s You may emd Wit•n Jwy.ore� - :r pt- p1'Ietm: vmw txp'a ring either lhetwlm ccr :wed l'nc trfyec all zn^ual - rm5mshrpfee byruna,ugcnu: _A :vet rso more Ins 4 days after the 1.1 day in amtling ennrr uo atxar. -n porn x's!atemerHjm the: reasons vex he.lem the hrl srans�l. yde. wooed by this statement To mquea that we close Your account. To amid payrg 4 inn - tl Iy me -leer I m lee, contact Customer5erKe wouresi hat eye Josr.W.tarnount and wewill too assessing yov mp;h ' y Your Rights if You Are Dissatisfied With Your rieditrard Purchases. If yen argdissads`edrrUl t egaodscr membership tae. saivas that ru have pnnasd win your aedhrard, and you ham t: cd in good faith to correct the prnhlom with r 'ie menFwhl, you may halm Ste right ratio paybe rvorafnrng arr due on the purcnam. To use I'l floret the How an I Cime My a Your can matt usiom 5� vie a yJ a rogue t th r tin close your arcounl Ar dole oinq usl u: our: that mme, w i.x any dd(dind ipstoo :ca ue N0,619 bar - ydr mil mat and final es Tease pour h tifyx)u use lav cred!tcadof l..,es pos t to your :a Con puask us bdosae,we can k ayo! )Youmul r —.soa run mditcard for mse. Pomhases made with lash adva —Ineen anX MgrwUra atnnmtoperr. dralk mat ar.a yotif cradteard a:[gurl a nor Tually; and What happens ff my A r, i, <' We mayclowors -spard your at.au. slid yoc3r right, to adds inedt 2) Ycu must nor yet have fully pa to the p,.rehsse. ae yi a and fm any . r,-mn i you are , T, Ill de -au. UCobit sr.u.s ucan be le ann i cur ram pa ry. :: hall of ihz ue,ra atro,! : a _,.t. -d You a no All diksati sfed with the ;u .tote, obli us n.vrrer:g at, put account is closed at suspended you must !) stop using yon credit ca -d and xcminr, 7) cancel all automatic Captal One payments, IT bawdy all credit cards and rwss dret4s,aid 4) pay act amoirl's you owe us, even if they emit changed pO yox - 0285 Ali the —urn was cord or suspndr -d, '.tali take Ciy, !) 541300255 How do 1 MakePaymeMS At anytime, po may pay dia ban lmum pay,, enC the total unpaid balsoa:, arar:yamount in between. Payments may bx made in several way,: While wo m•.msigam, the saint rks apply b The disputrd amount as discussed above. Ater we Bosh our U orafne by gatrg to vrvrw.caa2lahz.rcm leg n g in!a your accnumt irntaiyalcn, care will W!I pu our begslon. A[ Utat po!r ;t it m !hnik you owe au amguntard you do nit pay we may 2)Tel n -roe VC.ed x: se iysxm by dafirg l 0 ?1955700 ea fafow­ rh vice pm : -r vfian j!ru ma[ae repo :pu as dd nquer 1. Phone Psymmn Bao gn ar, ore - dense system, You arilbutue m to irdlate at ACH or elemon c wytent trial vn'1 Capinl Ore suppads ufsmeicn irilry p:ow,do mou vmlisitn al wwwoptalbne cam he dehe. d from your bank 4 Funds may he wdda fr you, bank armunt riser, as to same day we 02011 Cap „IQw -apr.l oar is a1odual.vreg1sur sa:wla mark. Nhighh reserred. princes rw paynent 3) rxliing em telephone rum xa 1 S55 7370 and pcviding yam ;rfe,ni,doa to our repesenratlm; 4) Paynts me by ma;1 should be su:m to The mailig address provided Cr.[he heron portion of ins sammonl. ElC -OfS Changing Address? Not quite ready to make payments online? Address ............................................................ ............................... No problem. Follow these simple steps to make sure ................................ . ............................. : .................... ........ we process your payments smoothly: Home Phone ................... ©�— a Don't staple or paper clip your check to the payment slip. ................. ..... ................... ............................... Alternate Phone ...... ............................... ....................... ............................... a Be sure to use the payment envelope that came with your E -mail �!� statement. Using a different envelope could delay processing. Address ............................................................ ............................... a Please don't include any additional correspondence. • Last but not least, be sure to write your 16 -digit account Please print address or phone number changes above using blue or black ink. number on your check. Take Control with Online Statements Managing your account online is easy: • Check your balance and view recent activity • View and print copies of past statements • Pay your bill online Sign up at: www.capitalone.com Capital Page 2 of 2 Y t Customer Service 1- 800- 955.7070 Jan. 07 - Feb. 06, 2013 31 Days in Billing Cycle 7/1� www.capitalone.com Revolving Credit Umit: $30,000.00 World MasterCard XXXX- XXXX -XXXX -8062 Available Revolving Credit: $0.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit. $15,000.00 $32,123.65 $4,024.00 Mar 03, 2013 Available Credit for Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $31,139.05 — $0.00 + $384.60 } $0.00 = $32,123.65 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 500013 Cap;tal le- IT'S TIME TO TAKE CONTROL OF what's 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 ANGELA R MURPHY Even your debt. So .Why not call us to see what we can do together to keep you from receiving such a serious mark on your credit record? YOU'RE BEHIND BY Please contact us to find a solution that's right for you. ' You can make a payment with our free check by phone service or speak to an associate by Calling 1:800:955:6600. Make Sure you call or pay the amount due on yotnstatentent by the due date to eliminate the risk of being charged off: 02009 Capital One. Capital Oar is a frdnally mpiterel snnite mark. All argGa rermed Page 1 o 2 Customer Service 1-800- 955,•7070 Feb. 07 - Mar:'06, 2013 28 Days in Billing Cycle www.capitalone:com MINIMUM PAYMENT WARNING: If you make only the minimum payment each you will pay more In interest and it will take you longer to pay off your balance. For example: World MasterCard XXXX- )OM -XXXX -8062 paymetit Amount Each Period Il No Approximate Time to Pay Off Estimated NEW BALANCE MINIMUM PAYMENT DUE DATE Additional charges Are Made Statement Balance. Total Cost $32,478.08 $4,703.00 Apr 03, 2013 Minimum Payment 32 Years $62,411 If you would Ike Information about credit counseling services, call 1. 888&3268055. PLEASE PAY AT LEAST THIS AMOUNT LATE PAYMENT WARNING: If we do not receive rminimum you payment by your due date, Revolving Credit Umir:. 530,000.00 Cash Advance Credit Limit: $15, 000.00 y011 may have to pay a late fee of up to $35.00 and your APRs may be increased up to the Penalty APR of 29.40%. Available Revolving Credit: 50.00 Available Credit for Cash Advances: SO.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 532,123.65 — 50.00 t 5354.43 t 50.00 - 531,478.08 You're behind by six payments. If we charge oft your account due to late or missed payments, finance chin rges will continue to accrue. Ad now to prevent this from honing. Please pay the minimum payment amount on youy statement or give us a Help i s Available. all at 1.800.955:6600. We're here to help. Take control of your credit wit, Capital One. TRANSACTIONS Just pick up the phone. PAYMENTS, CREDITS & ADJUSTMENTS FOR ANGELA R MURPHY #8062 Call 1- 600 - 955 -6600 and a specially trained agent will be happy to help you check your balance and make payments. FEES 1 04 MAR PAST DUE FEE $35.00 Total Fees This Period $35.00 INTEREST CHARGED INTEREST CHARGE CALCULATION INTEREST CHARGE:PURCHASES $319.43 Total Interest This Period $319.43 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 $105.00 Rate (APR) Interest Rate Total Interest This Year 51,014.44 Purchases I - 12.90% S32,281.28 1 $319.43 Cash Advances 19.80% 50.00 $0.00 Transactions continue on page 2 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 5466301937878062.06 0000001300004703007 GaW Te Account Number: 5466- 3019 - 3787 -8062 Due Date New Balance Minimum Payment Amount Enclosed Take advantage. Take control. Apr 03, 2013 $32,478:08 $4,703.00 Q Manage your account online at www.capitalone.com PAY AT LEAST rle.com THISAMOUNT Make payments Review account information AQ Manage your account in privacy 400006 ANGELA R MURPHY 753 WOO DR LITITZ, PA 17543 -6601 Capital One Bank (USA), N.A. P-0 * Box IIIIIIIIIIII111 III' 1 111 111 11111 1 111 " Charlotte -1083 111111 Ill "IIIII' 1111 "II' "IIIIIIII'IIII Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope: Out 08 How can I Aired Paying Interest Chat mest Each rumh you pay your 'New Da!arce' In K you wrl have a When w18 you Credit Mr Paverem mininum gram period o 25 days* or no interest charge on all new 1)purdi s, 2) wanae nmiffehs, :)special -Far preheat am Ule phore, asof the husitum we mmiva n, as brig asthey are madeby 5 Iner, ET. pur:haes and 4) odler Ones. N you 4dw been paYrg yauarmum It lull trite -no hnvestdn'ges-apprtd ad you Fat mailed pay -rims, as of the business day wu teahc It, as brig as: 1) you cdd rte bttium potten of Ihk do no; pay your rexc bOl in full, pacrated interestclaras will be assessed. Them is nognert period ore cads advance:, M3 Turd and you cheek in rte er;clemd numittme enwbae, and 21 your payment h rerxiwd in aria gl aunt srociaf oa0ers w!rm tore N an uhpld bahrice from a porous lift txocess!rig rowers by p.m. local tine. Please allow al least(]; buskress days to! mail dertvery, Mmad Pantries Mow is the [Merest Charge applied! Irrenig clunges aalue Iran the l) date of the transaction, 2) date the um-c! by usat my sift barlon cur m arry o!her bm, may no! be credited asof the daywe—iv,III— banoaalon h c!otesed on 3) test cacmds, day of the brPig period. ImDustchanue act.ua on erayu ipAl amaum Oo,you Process Paper Cheds at an Electronic Fsmds TremlM Pa'ymentts Mil be processed in one of n» feel It Is Field In full. TNs meaa you may owe bevies chars s own H.yul nvftAC emrce'flew Dalance'one month, ways: whpn you p gvd! a chvk rr deed imfcmrmdon b Hake a aynrnt, you mahorve is m ovr agvrs tovse the but dd ;tat do W lot the Pravious rn s orNG Unpaid iviesldetgc;to added to Via pope, s yearn of your A=UnL War nation to make a one O^ M7!u eamavall a;ok, elm antic fund uaraiet from your drpos;acm!nd."we may Howcwn we resent the light to net assess irAem9 drages at any lime. a'sa usedernbrmation to process the f ymznl as a.thect transaction. Do you assess a Mlnimun lntarert ChetlJ�e .Ym A trmirn m INTERESIfClINGE of 10.50 wr11 be assessed for each What if I Me for Bankrupt M if you are anlakd to bibliptrry pm;eann. this communication is lot Hom inon bVi g peiod Puri sachem is s rhipa to an homes; charge. only. It Is mdanattempt tocofrk assess ar recover adebtar dame Do net red us oayunits without speaking Wilt How do you Calculate the hterestCharoe? We W a ordod allied Average tuft Us= (ndudtrg her2 rod' larikruptryattorney a to BanriuptyCoull. It you of yaura!brncy woad Eke to correct our banloupty dahns uamadcm). Under Urismenod, we fast ca•evlate your daily Nl :mm;far cad, sagmen, t) lake the IPgmni'g balance Seat dretly, Fie"" contact C1 - PD Burr 30285• Self lake Oy, UT &1300285 end add in raw oarisanloi s and the periodic hremst chama on —a ptevluus days bah me, don 2) subtract any BILLING RIGHTS SUMMARY (oats Nor Apply to small BU nfarY Aanatn(a) payments and credhs for that segment as of din day. The result is data daVy, fahma, oar each sagnall. HOm Wr, it you What To Do N You Think You rind A Mistake On Your Statement if you think Them is an vial on you pad your Previous months balance lnho(miryour warm was coo ana oefitamgunt. raw oamacbos winkhpost nateme(mtvke to as W: b your pnchaPar special Pmthisn seam enkale notadded b dm dally balarnae .Also, transac0m, dtatme siihiectta a grace period me rot added to the daily balbrrrs. Gold Due. Next I. rod y.. Anigir Dany 111 1) add the daily bats. togettCJ lot each argrent ana 71 diode the sum by P.O. Box 382:! day m the number at the billing c&. Sag Lad city, U7841300285 At the end of eadFbftlng cycle. we dprelmine you Invest Charge as blbrx I) multlpy your image Oaly Marne In your lean Sisetn the blinwirg lnfnimmcu: by the dailypultrulaie(APR dn'ded by 355) Im thm segment and 2) multiply oho result ty the number of days in If - mmirtlydmmifai Youtrramandaaaurtnumbei. allirg Mind. NTE: Due to murdi'g or a nrimum Ind itue ensign, this abAaton may vary rem l`viemirst6mr- • Dviblarault thedaystammhmofthes uepartedera'. auualy asmcad. • Uescuo'on of PrcLdcr.[ N you thhnkthvc isan enter an yam hBk fksc!ibv,what you khcle is worg and wliyyou Howan my Variable Annual PerceMaae Rate (APR)drange?YourAPR ms/inuease atdmem basedonare belTm his a :m's;ake. aruhe badwlg reputed ;dims beponed'ur lire Wall9(rmtJOUrrraq.TOtrd tvhd,indexigscd la, }em aaourr, Yau r..un mnl�us tvthin 50 drys aiat:hr. grim appra•ed yon y.li nahJmmnt look fora lelm code on de front of A simemen roc to you APRL,". 7hm check the cable below. You nun midpy US afanypa;emlal mots in in wthint. You mayall usor notify uselectranl tally, but It you do wear, Cade neit to your How do we aMdate your APIl When your APR(s) rat remrirncl bun"igam any pmrmid adar5 and you may'hm to pay the amount in question. We wlindtdyyou APRW Index + margin (previously disclosed to you) will change h wn rino when 30days of art receipt of you loner. P Wlma Ram + margin The first dayof da King periods that Wnl4 we frncsicab whether or not there has been an Van, do following are tee: L 3norlln LIDOR +rw94, endfn Ian., Aar. July, and OCt - We a col tryb called de amount In quesvon or report you as del tpuent arrnu!amurt D Norm Acute + margin Tlrp fir clay of each •Thechvige ingtanion mayroms'nim Peat szmnml,ad rte maycoenve to chatgeyau lithe men thstameum. I momhl much mfir bi0 each But, if we deamfire that we made a mLslalm, you wFI not hale b pay the amount in question or any hatesor one iss re bled to dr amut Are there Adi iHonal reel assbcitnedwith my aaoum? Yes, under certain dr- umsrances,you may be assessed a • Whi'a you di not term to pay ire amaum n questiom vml we vied you a no dm about the outode of our LBOat Returned Payment lee :You maya' so heassessed Omllmitlas by law. we (lean thedghtto not I%Zngadon you am respunsbk: for lie remainder of you bsianm. assess lees without pror and withoai wahArg ourrighe to assess a.smPa' fee Writ. . we csi, apdy tent unuid amournagai'sl your nedn Iron. How an l Avoid Membership Feefi tl eaianmvai\ ofiahmim! d en dr. (ram cl tMs s3lemerm, yuu nayasad MY. 90 darad o. ^.nr..eilf of yo letter, we will nerd yul arahum rotor ehher Unarm conem•J the payhg an grind membership lee bybyroraactigg 6some Snvim in more than 45 days dtv ice last by b tiro billing ercal fro a_y on vans sir naerrra) or the lersvns roil hpl'iew the hTl h mnPa. yJr covered by dhis sWemeM b rnnuen that we dace your amount Wand payig a ma icily membeshlp lee, Your RI ins If You Are Dissatisfied with Your Cred(t Card Purdmsim If you are dssaisfied wOttha d corned customer Sen4ce anytime b requram dud we close your aaount, rid we A stop assessirg gout monthly M CS g ins urzfiasd e w,thr acted ^.car d goods a membz;slhipfm;. ya u ham P yo de you _ ham Vied in ggodlaithbmneathe perabmwrth How an l Cbse Acmund You mi contact Custamal wrace an 'ra o r e.t the wa cbse ) our account. A I f le etin must b e may have V rgfn rata pay the mryPoirg amdun: Ocean the puarnse.'IO USO d145 rlgit the �Y W vN s W +owErg must N rue: tat d:re; wc'il t u urn use y c d w-ge, post W after py dove ldrnration and l'rrelnes. 1)Youmusthm uxd utcmdtandfor thapmthase. PUdrzsesmacemthustienirasham anATM orwilia Firax nap dh ac' f, yo use yuoruedlcardorha ast t yuuracm emaRv you sk us odosetwe can trepyam T a:muritepm. d� coal g mrjy your mdaanl or Itte A do aril gvddy, tech What happens ifmy A— ,, Mk your aaaummdycurriaUocbhfnuedn 21 Ycu maw nol•yet hint rutty p3dfo'Uhe purchars. alarry tiric curd(or arry'easnn,e•Aal i(ycu sic rat k, ticlavlL A[munt 5us(an5bnan he prmanenlarknaoiary.lF It aflo(tk uitana atov2 qtr nLmd you are Alldi;s•;tsFed w+h the punhax, comadus wmirg your mee nit Is closed at saprrdrd you must 1) stay vin3 yon' credit card and account, 2) cancel all ateonatk ccdul One paymenU,3)dw.Toya➢ creditcedsand aaessdhettrs, aid•pposy all amount; you acre us, ern if dmy were cherged p,o. BOx30295 aRv Via aea ok was dosed or si peeled. S!R lah Gty: UT 84130-0255 raw dol MakePdYmemf A! ail thme, you may Pay toe minimum payment, the otalrmpmd Lida ic, or any dna;'nl Wife we mieusi .m, fm same. rules a , the fed.a:rount as diSLVSRd abar Ater r we Dril ft out f ( between. Pdricnis maybe malt inic—a' Ways: iunsisd iton, m mill teal you vurd;fwat AAtt o d 6 hat pole, if we think you orn anamountard you do not pay we may 1) DnKna tug vwrn:taotalom.mmano 1- 5 5.7010 aaaunt: m. d1 Telzp`ane Voce Aesponsc Sytem lay dWirg 1•B ?}, 55.1O1J and loltosrig de sofa poops. Wren you mske.a repel you as defucnat phdre paymem tlaurgh om snim nsoaraai system, you audarim us to Initiate. an ACH or clai7mnt iormrmtaattwll caplol the supports imarmatim ptvucy pomo inn ch our wcWR al ww=italime.mn be debdA from Pun bank aaeurd. funds nay hm wi ldnam from you bant armum assent n as the $a on, day tee 0 2011 Cmpeal One, Capho Ox n a iedvally.reg'sered.swice mark. All. ights msvved. process your pay -lent 3) eating au.&Itho ne number I_-T�g55 -7070 and provding you, ntmmaihnto our raprmida a) PdymvrZ I,y malt shaded be Sint Ic Ira madi'g address Dmwdad an Ihhe lxitmm Padion of This SibBmhmll. SI 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. Add ress: ..........................:........... h.................... ............................... • 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 CS Page 'of .2 Customer Service 1- 800 - 955.7070 Feb. 07 - Mar. 06, 2013 28 Days.in Billing Cycle - WWW.Capitalone.COM l Revolving Credit Limit: $30,000.00 World MasterCard XXXX - XXXX -XXXX -8062 Available Revolving Credit: 50.00 NEW BALANCE MINIMUM PAYMENT DUE DATE Cash Advance Credit Limit: $15,000.00 $32,478.08 $4,703.00 Apr 03, 20i 3 Available Credit for Cash Advances: 50.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance $32,123.6 — 50.00' + 5354.43 + $0.00 = S32,478.o8 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. 5o0781 You have new payment opportunities available. See the next page for more information. Capita - Page 1 of 2 Customer Service 1-800 - 258.9319 Mar. 07 - Apr. 06, 2013 31 Days in Billing Cycle www.capitalone.com/solutions IMPORTANT ACCOUNT UPDATES World MasterCard - 5466 -3019- 3787 -8062 Your full balance is due. Any payment you make will reduce your balance and help pay off NEW BALANCE PAYMENT DUE DUE DATE your debt faster. The amount you owe may differ if you've entered into a separatepayment 32,870.83 $ $32,870.83 PAST DUE agreement. Available Revolving Credit: $0.00 Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance S32,478.08 — 30.00 + 3392:75 + $32,870:83 TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR ANGELA R MURPHY #8062 Help is Available. FEES Just pick up the phone, 1 03 APR PAST DUE FEE $35.00 Total Fees This Period $35.00 Call 1- 800 - 258 -9319 and a specially trained agent will INTEREST CHARGED INTERESTCHARGE:PURCHASES $357.75 be happy to help you check your balance and make payments. Total Interest This Period $357.75 TOTALS YEAR TO DATE Total Fees This Year $140,00 Total interest This Year $1,372.19 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Interest Charge Rate (APR) Interest Rate Purchases 12.90% $32,655.43 1 $357.75 Cash Advances 19.80% $0.00 $0.00 P.4D,F = Variable Rate. See reverse of page 1 for details PLEASE RETURN PORTION BELOW WITH PAYMENT OR LOG ON TO W WW.CAPITALONE.COM/SOLUTIONS TO MAKE YOUR PAYMENT ONLINE. 1 5466301937878062 06 0000001300000000005 Account Number. 5466- 3019-3787 -8062 Due Date New Balance Amount Enclosed Manage your Past Due $32,870.83 C= account online. AQ Visit www.capitalone.com /solutions to manage your account online. Have information at your fingertips 24/7 without picking up the phone. 400004 ANGELA R MURPHY 753 WOODFIELD DR LITITZ, PA 17543 -6601 Capital One Bank (USA), N.A. "I'I' I "II I " "IIIIII "I' 3 Charlotta; NC 28272-1083 nlllll' III" n41' Irllllnlr 'llN4 "II' Please make checks payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope. W2 De Now on I Arvid Paying Interest Charges Each month you pay your - Neva Barone' In lull, you All 'rave a When will you Credh MyJya mom? mllgrim p,, iWc' 25days will ra ,ira'e:t6'sichonalIrew1) rut :...,,2) balnccie(ef, rartrl - erle re orr:. erthepf, asu•; hebcinassdaycmcl'.! vaiLZlunga'ltryallor.'by;, ".ET. purchases and 4)Oliver charges. If you navy been paling your account in full vvidi no L- oresLJogs apphOd a nd y ma ;u • Ful mailed payds,. as of Plc busi "s day we uceisa % as long as: l) you send the MUCm pankin of this do all pry yam rel:: bill In lull, plowled irruestdiarges will be assessed. T ^ere .is no Braga {shod an u>ir advances, statement and pear [ 'rock in he endcsed reOiihnnce enwarpu, and 2) yo ur layna nt is 'received in one of our sprula hat. f a e . any eve - anemic sv!en [toms a- UTpaid balanc. soma fi-irt r V prozc.vs :rg.eme;s by 5 p.m. local tie- Faasa allow at learn (7) tens dell TV mall ad very. P /ailed , srana How is the Interest Charge applied! Interest charges accrue Tram The r) date al the varcarcun, 2) date the ra;aved by us at airy mho, aceiarl orm anyoder farm may notbe. credited as of tf!e davvw mod. tom. odnisattUn is mots d or 3) filit calendar day Or lie gelling period. Interest dames accrue on every!mpmd anlouet Do you Process Paper Checks as an Flecull Funds Transfer R Payrrv,n's will be processed in one of Iwo un,l it is old ' :nlull. This means you mayovr Furores che.Tscwen i(ycs tray lie 'mure 'New Balwee'ahe :•mOruh, ways lYwr you perdn ac-e :kpl d!ecz rc .ammo makeapryi :m, you aWly rice us cur err aa.ms.r!uselfie oc. did lie: do so';or the Previous mach Ili- clhicustd;,pe ere added to use p•a sn.3mant of your Account. iron', :wnWmelosaone dmo ACH Uamrsa an c,adhere!ecuanic fund uanslel lmm your dopereacmunt, W'e may f10wC&T,I, wa arlwe die ngfn to cal asses) intoreit diarges at any h, nU. alsn,USt ills inLarmalien its pr:x'25$ttie rrdyem �s a check tfanSadiell. , Do you assess a Minimum Interest Charge ?1'as.AmirGlrum IN1ERE51: CWVtGE Uf }u.50 veil ale asrsvwd'c :each What if l Hh for Banitru ?If}ou are entitled t ohmkrupcyworme en,lf :iscanlmm:icatarr islar informal n bikli- g period yaar ar gun. is subjea t r nit. : st e!ame. only l -is cue an,iMrspi.lo ml!eul, osiesse. eccwer a doh crcaim. D,9 netscnd us Paymnn5 w- outspeaklrx) truth. How did you Calculate the (merest Chang We use a method called Ayr ege curly Bak Ice (rdud ng new your bri k uptcyanomey of to FenKluptcyiou t. ((you Or yowfalto-y mud lake locontaAaur temelupicyclalms Oansattalcr. unitir smethmd,I'veilst.&C"I'le yourdeyualanw; far eaths_gr ^ail, t) take, he begin :;rig cala^ee arlyoeld :1.y, oeasa ar:ectCaleftel One• PO Box30285 Saltlike fry, UT841300285 aid add in row uanseetions end the f:. In tie s: - nou ge an :,m r "via" days aill-ce fe 4) s!ubr.act any BILLING RIGHTS SUMMARY(DOrs Not Applyrosmalt Blames, Arearnls' paynemserd crackafor tea s groom as of thatday. Thorcl siliedeily bala fc•each V.9 an. hl wer.r, if you What TO DO H YOU Think YOU rind A Mistake On Your Statement: lr YOU think there is an error an your pad you, previous months balance lnfufti if your Wanmwas ardcrac redr ,amounO newtansicliunswtnch nest slbe - ,pul l wile to oat; ur Uyo eltdnsecrs;ccial pr. egnxn:sare cotadded totheda`ry balances.A:so' , tarsacurms t-aarosUeed to :acital OCe is gram per are added in ir,[:ai',y balances. P.O. Box 30 &5 Near, to Lod your AV•laue Daily Balance:1)Add the dally ba leyetmrfor each sagment, and 7) divide IDe Uri by Salt Lake City, UT 64130 he numbe, of days in the, billing y J,. In your lettmr, give us "ie following i-iformatior- ,Al the end of each thing cyClr, we dril,,urine ye.jr Interest 0 rgjl,, as f ol . N v a: Ir hill ilioy your Avaa) lily Ritarm - n e . Y_,. ea daao ur:f rumtr•" by thedllyPeriodic lie (APR divided by 35) far that sagnc Lard 2) nuhp'ythuneulr by the rumbere; dap ode " 6Ghaa cu c Tn fella onto Jtihr Pe wf ron e hurl. h!Ilrg per cd. 01? : u.e 1p mendn>• g era nm,n ura intereste ^arce,U!is ca4ulatcn may va :ylmmihe urelestrnaige - UCx ern of sok e.•n if you to nkthcrc cane lrompu till, t descliM vliatyou 6el!uvc ii warp acrd yyou a:u lyascss&v. arhevcl sanrstake. vod m Imwi 5J ay'a?er !e er g[apyk;ared o-I year star ^merit. Is the Paymet, Doe ec a Payoff Amoumf arges I stated a erigp, o cu on lhedals or the statenrerU. 4nvmr. r, you mu st e; fp us of a rotmalal errors in YOU maycnl us or nenfy uselcslmnirarly, but9 you do vie are Ik.ca cog i nterest, late clan a Other charms night cfiangr LuT ray to day as prevlded in ya r z.t„mer not e iheGimesti an. er malarrcrs and y new iFea :mcm!t in rx:aer. Wk cell. chi acne err, rho aiounta�e on dyyaupymay is'ri ce Far exiiI you p areur :t uated ill dds d J .yfo y ; y e T"th q yyou shah Twit, your am unt n n � arr t ,ol have a 5.1a rim Wtc .y - r pyrle•t is l LCc:yadl. Also note did* life a 'i you OYR nyl If b nj ' Thi 3')d'�i of -$Ill cf yC'en may dieerfyou've eriiedkna a sepaate plym,.!tarreuprent. Hose call the number on die 6onLOf die Statement Wh;k car nvestmamwietl rr or rot therm ias,x er!nnenor, ills fntpw;rg areuuc: fie. air ear, peyo' amahmL Y.!; rani ill. y[7 •giro tt� mrh tin our ill. n rrynyaa sCellt aim the amour n. .Pcc ] rcuesb aye m In on statue Land vva cu cpnh ^.iero ge you of •stun U!a:amcmY. How on.my Yaniabh Annual Percentage Rate ( APR) change? Your Ad may inaeascordzceax based all got, Rlry lfv:r,eWmere that mace a mistake, you wilmtI to payther amuunun quelear- airyint —lm Other oftne fullowngmp.md Ind - ,as (,eponM In The WoffStrel Journal). TO find ankh hdcx is Used for yet :r acount, face related 16 that amount. look for a letter came on me front of This stRemer t ritha m your APRA, Trier check tree table helow: - W I5 A u de met he. 10 gay the a c lit ;n Guesbn uiml we surd lea a notice acct "n, ,hurl, at: cur Code next to your How do we calculate your APR( &)? When your APR(s) !nscag l- you .h spro 1 fn: ft, a d .O your balance. APRs) Index + margin (prev iously disclosed m you) will charge ' We poly a y n ei a�cu t ago r gnu . d i T I Wrnr 50ray. eio loco pt : elm we wliosW the pit amen, n eexrr'al�ing either ihatwe <elleaed the P r :cal +amgr T. :b list day Ilh al aFrioda ht. e: rn o..prr yu ,, t.,ale.: crGs ill., _:.axe we to ea. 611 >anzr L mar,lh LIBOR+ margin li ran., A y :!d Gel. Your Rights if YOU Ale Dissatisfied With YOUr Credit Card Purchases. if you are d!ssatsfiod wlh the goodsor U Pume Rate. +margin The Net day of each sciv¢est+.at you Piave p!srdia -I wtr yourcredtord, aid vat have tied fn god la tocpnectdie problem well i nenU!LI C4X1. rnahein mpm9l akin period. n ch.nt, y; r may have mo fight: c, to pay -l rerra .g arre'., dye on Jee purchase. TO else Urisught. na (ol'lawe!g roust be (rue Are there Additional FP associated with myaeeoum? YES, urdertedaln circumeance&,YOUmaybadssessadd 1) YOU must have used your credit card for; ho nulrhase. Puich!ases made red) dash advances Me in an ATM Or with wheal Betvmed Payne •(.c.'puu may alsoxasiesscd Gyer.:m:aeeshp rmced bylaw. Y uvnaa!so oc fea >iedb ,.he:.k:::el anesxs }o uadit,ar.l aapur![dc iwl q!ralily; and pay all ofeun actual coilzcien e:g:znses, ammmye fns and court mars ❑messthe lair does lotalr us to mk1t dose 2)Y CU must not yet have fully pa :d !m the pulo`!,=sr - -. amounts. Wee reserve the egf to ndt assess Ices without one notice and Witter at vrn•Irrg our rig ht to assess a skmila if all of tic giteua abova - mxl'. and u hill dissatisfied with the pu[chase, comet vr et us fllr, at fee fatel• Ca:utal Oun W rn What happens if my - Account B Small We may dose of suspend your ar,aunt and ye—.1N to attain ved!t P,O. BCx!J&5 atahy time and 'ela y ici ech, own if ru are rict ill clertuh. lUcautit eilepenscur Nr, be pee n rl, or it Sail laze City UT F,41. your account is closed al 5 uspanded you must 1) mop U Unq your credit card aid acmz Urn, 2) cancel ill aatometic Wh rj a we rmatt gam, the <a : :c rake amm :y to hie r'ispl.ICJ a ^Door as discuzspd above. Af:er r✓£ fish out aho, 33 - slay all a o r su and eid d!e- >s,.rrJA) xya N ambu :syou ern: us,ewnl. they woo- u'arccd iiValigits;r :, eve MillL I you c': wdsor Attl:,teclr:6 if wa h you am an am ritardycudo het pay we my a•u.h4 ea.<cumw.: iasu; or stirs,..rdey' Howdo I MakePaYmerdi A u tanydrne, yomer pay t nimum ie m peymenl, the total unpaid Iialitim, Crariya ^loom reperi you as dea:nquerd. iu between. Pay—ms may va aide 4 several ways Cadlal 0ue wppons mlo!! aiic^ :nnacv p'Oleckrn: cc=_ Sul wah ii ^.I at vrew•.carhlalane.mm Ii Online e by going to v:iww0orilar. e rc sel olig r, m -o your x.ounle f: 20. ::.appal One. UO l one is a'fec rally regmered smylm mark, All ryMs riserel 2) Trf phone Voice Resconae Sy>.em by dal.ng 1-W)-955-700 and fdlow!rg the voice prompts. When you make a pheee payment 11 ough oui voice realec'so sysle,i, you anhoim us to hidale air AC4 or &i tionic paymem el,a' w(II be cobeed from ye r bark — A. Farr ds may ce vets wrr floor yil;l Turk a lo' ut is soon as m•e sa -e day we "— r", pay n 3)01lirg our teleptenn. cam Mt r -.RD 1ID55 -70710 and Ilurldiro Pill Infrlirliliel to oar r(pm5emaf ve: 4) Payenn ly mail Should be sent to I lm ma 14 9 address omvided or! the I"Mur romp-! of H, e ati -muU. EICAD t1�Ct711 To change or update your address please call 1- 800 -258 -9319 or visit www.capitalone.com /solutions 200985 You have new payment opportunities available. Your account works differently now that it's 7 payments behind and has charged off. Dear valued client, You need to know about important changes to your account now that it has charged off. You are still responsible for paying the full balance on your account. If we continue to send you statements, you will receive them quarterly instead of monthly. We may continue to report the status of your account to the credit bureaus, unless prohibited by law. We will also report when your account is paid off: Help is available. The changes to your account include new payment opportunities that may not have been available before. Please review these important changes: 1) Your account is charged off. This is a change in status from past due. You are still responsible for paying your full balance. 2) You won't be charged past due, over limit, or membership fees. 3) You have new payment opportunities available to you now. For instance, we may be able to break your balance up into more manageable payments. Please contact us today at 1- 800 - 258 -9319 to find out more about these new opportunities. If a third -party agency is servicing your account, your call will be automatically routed to them. Remember, you can check your balance and make payments any time at www.capitalone.com /solutions. Sincerely, Your Solutions Team Help is available. W Call 1 -800- 258 -9319 today for more opportunities. JU Visit www.capitalone.com /solutions to make a payment or check your balance. i I31B,1T $ t M CAPITAL ONE BANK (USA), N.A., Plaintiff, V. ANGELA R MURPHY Defendant(s). AFFIDAVIT PERSONALLY APPEARED before the undersigned officer, duly authorized to administer oaths, Lola Buafo, who states under oath as follows: 1. I am over 18 years old and competent to testify to the matters set forth herein. I am an employee of Capital One Services, LLC, ( "COSLLC "), an agent and affiliate of Plaintiff CAPITAL ONE BANK (USA), N.A. ( "Capital One "). COSLLC provides services to Capital One in connection with its credit card and related banking practices and my job responsibilities as Litigation Support Representative provide me with access to all relevant systems and documents of Capital One needed to validate the below information. I am authorized by Capital One to testify to the matters set forth herein. As a result of the scope of my job responsibilities, I have personal knowledge of the manner and method by which Capital One creates and maintains certain business books and records, including computer records of customer accounts. 2. The Capital One books and records are made in the course of Capital One's regularly conducted business activity and it is a regular practice of Capital One to make these books and records. Each of the Capital One books and records reviewed are made: (1) at or near the time the events they purport to describe occurred, by a person with knowledge of the acts and events; or, (2) by a computer or other similar digital means, which contemporaneously records an event as it occurs. 3. According to the books and records of Capital One, a Capital One account was opened in Defendant's(s') name for the purpose of obtaining an extension of credit. Subsequently, this account was used to acquire goods, services or cash advances in accordance with the Customer Agreement governing use of that account. Defendant(s) have failed to make the required periodic payments on the account. 4. The books and records of Capital One show that Defendant(s) is /are currently indebted to Capital One on account number XXXXXXXXXXXX8062 for the just and true sum of $32870.83 as of 10/22/2013, and that all offsets, payments, and credits have been allowed. This balance is comprised of Defendant's(s') outstanding debt on the date the account charged off (including any pre- charge -off transactions, interest, and /or fees) less any offsets, payments, or credits applied to the account after the charge -off date. 5. Nothing in the books and records of Capital One indicate or show that the Defendant(s) is /are a minor /minors, is /are mentally incompetent or is /are otherwise incapacitated. 6. I declare under the penalty of perjury that the foregoing is true and correct and if called as a witness I would competently testify, under oath, thereto. Given under my hand on: Dated: ✓ ���"��� Lola Buafo County of Chesterfield, to wit: Commonwealth of Virginia SUBSCRIBED and sworn to before me, the undersigned Notary Public in and for the jurisdiction aforesaid, by Lola Buafo who is personally known to me and who acknowledged before me his /her signature to the foregoing Affidavit. L GIVEN under my hand and seal this �U day of (�7 '20/3 Notary Public N00000042197895 TARY ••.•ts Z 960945186 ��.' � ? A070 P 4 723 087 NUDELMAN, KLEMM & GOLUB ' P.C. - REG WAISSO ¢ � n eMY ExptRES z: � '•. 813112016: �� � J ' 2 tense Enroll(rre nt and FJ 9 t mam tarnei\ n + e e r D �gilfiY systems wn as WD) lira �) ( {orm a "mgntat Defense ( dlcal care acrd edY k"t fa twN ^� ed)ls Cn9 waUne lion of me pap d�`V�NrtY mfr as zme^d or any fam \lY a b o le, n organlZa of data on pp)1s a W soarc G PP SD J S d p Ga nger 1pM �SD Y se which is the off( sd . ¢snot Pos nPower Data vd R¢Gef Pct( In the event Giry A at any wows te�cad ltama mbel$ Gl of lhou`'a utY stows a o r \s othsrw DEERS) database active e i The Dew °Sa a ll alto rata. wr the �nwdrrn3 that d rso^ l R¢PoNn9 SySlem ( red .rill e sm P s Nr ve dub st atus (rig ^t of i g), D G has ss its the enforce of 1g4D) s gxP, da ssst ualwas1 th Y acGv¢dersor\s staves bon was on ar�'rg Sag5�SGA P§521 c)- ti z a- zorso s troV4 1.00 GWI1 Relief Act rises, and TV indrvrd Ncew of theP g e P¢ ansl ou. 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Pon which SURF who nave r ecaVe utY en N \s ImP^"a try :' " N�u,aoary smrvso"' grg era am¢ ^" theorders lopersorh r embeR under the S ua De w ord Me* sure exwn" Last Date on f° Serves m "al 0etl w`rF,in 46t nis9 nt � tw �wz s „ws oars ca ,tfrtcatons ot the omeP pn uatb e"ded tt °r mducian. t ail Tna sure tha rig rov,d uaro e� r�uo'wr. Pin9 oav ra WY Cra+o Fu " Y Y r aar�P'e fwe duty or G 9 ad "I su'`us�ux" ri m+ la of adrve dot ore � adua\b Ue9un ac ed t^ $eek � Y NM1is" fa a1 coons �y,srndw�"'us+r a cme Asr sssrm� sa and th¢ std,wS ",.(god dot si ales data vldad sv ,aoara ra Ne, extend b¢Y diticale are e wme<e F � m am se who coutd rgry °^ d'rs ca fas name. SSW ate of oidn, and 00 x x�a ILI cta savB .rve w ^" . the soy Toep did as Provided ba5edceddlcake to be Pm rz ,rmr ad+� s1aW role merae,*me� En eaxw swum theabove and dffical e aonlo os s no rid nasrorarv�esmr iha'r m Sou Pro ca for PPubtrDIlyal1T PT IVEI.Y err el° S tntarmaton wlll cause al' 60B�XC'0 ru m v.Ar atw ^ tile Y ryOPP seas day m ry bas¢" on nt�gtadne Gore , Alt F repo" ctye DR �x� Q5J�DD 401 I- o Canter. Navy. •rA e rData (pnn$ Ma ^P°W $e ryir.¢s rwttna(�bn of tqt ute ord tense nffarm ivin9 MANPOWER pSpTA g(5 GEN( ERG a "ment of W es of Tile U PME'AWp F DF 1R(N pIQNE p0 TAG Ci T UMQUE`Y er�tflcate 1D'- of me DeP o as to off We" cemambe or his Nr un slates date on a g'f "V'A pEPARTME T nr C) , pEFEN y T, the d) UR QUERY REFEP•STO.N PAD UP°^searrhtn9 tn¢dadf�gdutns nfo"n (tus stews frW \ud¢s ` vidua\onth¢ OG \P`SECURAO U � N . }^"` uar pl1T PS SAME 1NpN10-TN H QWEVER•` T ` tTN ASSER THAT TWS 15 THE tDEN(1FY AN 1NDtV \DUAI -' ��'1� A Mall M. Snav I Dalense�pF'anP°wE25ata Gamer Pepe "meat otD "ve, SUde IA E2 Mack Centel D Pd'rn9ton, VP2235D Rasuhs as of : Nov -12 -2013 09:48:44 Department of Defense Manpower Data Center SCRA 3.0 Status Rfp; Pursumt la Servicemembers Civil Relief Act Last Name: MURPHY First Name: ANGELA Middle Name: R Active Duty Status As Of: Nov -12 -2013 ..l . r.. rrsC "• "i:•`r.� • :.� ^•`'i ,= .:y�iii' ?.:tom, `::r:....:�.r.:....,.: r,- ..u:. >.. .:.,..... _ ....•...:.:f::,: <�.. -: �:, r,:s. 0 _ )�, _t. r'AdfiveWtYStarlO�ie (2 - � .. Rcliv6blNt7£nd�9las' -�' L - „r. i e �s-. t:S3fllus r ' r.t�s..r ',. ,�,;5.,,f.r�- b`bNlCe�ompottanT. .. }�a • ?y.,�. NA NA NA . � r r_ t .t'a`,t - This response retiagl`S:i6s th'di4i8ONS activO tv.,'stal0s be'sed an'14 ACCVe;lSuty Date ' __ .. ...: .. , ,. .... r, ,. .... . f ... ..... ........ .. .i...>•.. .. ,..r... ... ,.., ...Y+.. +.= (ri;:;!:'. ..a >:71'i,"':y:;y :`ir..1.,�:,.<, ,. :;: »v�l' 1Hn in: 6 .ol!Ach {g} s: te:• +Fri., .,}_j.�r ?;! :.:c =k} !'s7 ............... ...... _ .... ;..,?......:........... _ 3... - .; ., ..::..:,... ,.... z.... ks Aq ... >�utY. _s.e�_•. -,..: ..- � _:.:• >�•e + -.. .. ,.. -.. .,.- _t >:.r”. -, ._ "..' .i.. ?RS..- ...t:�.e ..:y.. ". ...h..: - ''•`::`^4 ?:-�f..:i iViC@:� i ite - NA NA This response ratlecls wherd t Indf dual left acme duly Ataffl 'Wi(pia 5 ➢idays preceding the,/ ctive!Diny Status Date ..... d+•t•. .. .r. .. ,..,� .:............._ ... p.. i ,............. _,... ... i...: }..:. .:v.•r.:. ....i. .� .. : ..r.. ... •:.r•..: :•.: .,.. ....>..•�. ...._....0 :. - J. ... ..�.,:,.. ...,. ... ..7. .J.<..- .v....:r. f � . f:':>• %6r;:''i:';:�'y J�:::i "i.- •..: -:.... -� :,� ::CS: u's•.l t., >rs, � , ��[:'� :' beTor+lrslFl9r:i7' fiWas Novtfed�ol B:Futu(d':Ga1pUp.AO7�:Uve t)uty_of� AcOyg Uuty'�1aNS,patB:t� : +• "•' " � ' - �` � ' � � �?:: <t ':;- i . f -+. 1.'7 °_ t - i .Z :c .. }:: u,,r','• :, :r.tp' ^'�: ^ ..Jn a S9 -, „ OA ry`{'r :::,-i^ ....... ..:.:. :bcder.'N6tA7 cat+: Start ::Rate::- •.,.;;:..,,, •.:•:•{ Jtder .NdilAcatdn;Epd.UfB.....�::.:•. fsu8.. ,:'- '.•^• =f -.. -. ... ... .orl .. .... .. ., .... - .. ..... ...... ... ..c - : r. : .... .fir : ..r [: %�.,:,: ,.�.,. .: <. . - .'•1- ,:.:r.l.f. ,....nr , -:.: ,. .,.n.n... .,....a.. m».4,.,.,- ...,f,.(.F {,..,., ,ns,. .: ....::,•..,•.. -<.- .. �r ....:.. , r... ;r.t: :: z r.:):: NA '- ,NA�:•',^l f;'`ici :L :q1C; ,:r_7`:;. - .3Nd';:,.':r,r NA This response refls= whethor ihi 'h rvIaU81 or his/her unit has received early ndiifltelfon'to report for active duty Upon searching the data banks of the Department of Defense ManpowerObtd 9rit8f'Fiased on the information that you provided, the above Is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAH, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER, WITHOUT A SOCIAL SECURITY NUMBER, THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO. NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. Ot r � Mary M. Snavely- Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 041225 Arlington, VA 22350 File #: NN123390 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 at seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: httpJ/www.defenselink .mil /faq/pis /PC09SLDR.htmi. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined In accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for Induction. The Last Date on Active Duty entry is Important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN /date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: B508L36900D8G70 File #: NN123390 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff F 0ftt ` ( yttdstRtd#brr(P of Jody S Chief Deprutyh 2`,7A3 UL C 1 7 AM 9: F; Richard W Stewart ;111BERLA Solicitor F.., ,,E PENNSYLVANIA Capital One Bank(USA) N.A. vs. Case Number Angela R Murphy 2013-6774 SHERIFF'S RETURN OF SERVICE 12/10/2013 07:40 PM- Deputy Noah Cline, being duly sworn according to law, served the requested Complaint& Notice by"personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Angela R Murphy at 11 Midland Drive, South Middleton, Mt Holly Springs, PA 17065. NOAH CLINE, DEPUTY SHERIFF COST: $35.91 SO ANSWERS, December 11, RONNY ANDERSON, SHERIFF si-ty i o 1NUDELMAN, KLEMM & GOLUB, P.C. Attorney(s) for Plaintiff 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973 - 618 -0000 CAPITAL ONE BANK (USA), N.A. v. CE :� TH0i 0TAR 231Li APR —3 ire 1:06 C:ti��3� B � �OUNTY y ON PLEAS ANGELA R MURPHY : DOCKET #: 13 -6774 CIVIL PRAECIPE FOR ENTRY OF JUDGMENT FOR WANT OF ANSWER AND ASSESSMENT OF DAMAGES TO THE CUMBERLAND COUNTY PROTHONOTARY: Kindly enter Judgment, indexing the same, in favor of Plaintiff, and against the Defendant(s),ANGELA R MURPHY,11 MIDLAND DR MOUNT HOLLY SPRINGS PA 17065 -1828 in the above- captioned matter for the sum of $33,010.49. Defendant has failed to file an to answer the Complaint within twenty (20) days as required by Pennsylvania Rules of Civil Procedure. Monetary damages are computed as follows: PRINCIPAL DEBT: $32,870.83 INTEREST: $.00 COSTS: $139.66 LESS PAYMENTS: -$.00 NN123390 JUDGMENT TOTAL: $33,010.49 Nudelman, Klemm and Golub, P.C. By Robert L. Baroska 3rd, Esquire PA Attorney ID #: 306728 �o_ €s I lo. so T-d a J C tu#-6-5kcj TA* r2otlig PAU Mculed NUDELMAN, KLEMM & GOLUB, P.C. Attorney(s) for Plaintiff 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973-618-0000 CAPITAL ONE BANK (USA), NA. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY V. : DOCKET #: 13-6774 CIVIL ANGELA R MURPHY VERIFICATION/AFFIDAVIT OF NON-MILITARY SERVICE The undersigned does hereby verify, subject to the penalties of 18 Pa.C.S.A. § 4904, relating to unsworn falsification to authorities, that undersigned counsel is the attorney for the Plaintiff, CAPITAL ONE BANK (USA), N.A.; with a mailing address of do Nudelman, Klemm and Golub, P.C., 425 Eagle Rock Ave. - Suite 403, Roseland NJ 07068; and that the last known address of the Defendant(s), ANGELA R MURPHY, is believed to be: 11 MIDLAND DR MOUNT HOLLY SPRINGS PA 17065-1828. Undersigned counsel deposited in the United States mail a letter notifying the Defendant(s) that Judgment would be entered against them after ten (10) days from the date of said letter in accordance with Rule 237.1 of Pennsylvania Rules of Civil Procedure. A copy of said letter is attached hereto and marked Exhibit "A". In addition it respectfully averred that to the best of undersigned counsel's knowledge information, and belief the above captioned Defendant is not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Service Members Relief Act, 50 App. U.S.C. § 501 et. seq. (amended in 2004). APR O' -I n14, File # NN123390 Nudelman, Klemm and Gol1, Robert L. Baroska 3rd, Esquire PA Attorney ID #: 306728 CAPITAL ONE BANK (USA), N.A. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY v. ANGELA R MURPHY : DOCKET #: 13 -6774 CIVIL CERTIFICATE OF SERVICE I, , hereby certify that on this day of 20 , a true and correct copy of the foregoing pleading was served upon the party(s) named below in the manner indicated: Via USPS: ANGELA R MURPHY 11 MIDLAND DR MOUNT HOLLY SPRINGS PA 17065 -1828 Department of Defense Manpower Data Center Results as of : Apr.D1-2014 07:3040 AM SCRA 3.0 Statas Report Pursuant to Servicemembas Civil Relief Act Last Name: MURPHY First Name: ANGELA Middle Name: R Active Duty Status As Of: Apr-01-2014 ,:•=i;.'4:.:,:i,1:.?:::.*Fik.E.T.g:,g64/4,K:q...,':;qi,:‘:,.:,7§,::;;')A'::)11:._;...:.;;.:=7/i.i_kig.i.;?.;:';',!,'?"'#:::.ftii,:ti:0:.1,2,61.k4i,i;4.6;)4:..44;;4i..ii.0:iir.4i1i :::4:i4146ii4?::;:::0,,12:;:.Magr!,,,:;...7...;;N:IR:::'"?§,,!::,;:g:4,=:4:,::k:-§:;Sgsk,i'/$::%.t.:::::,:q,.::::',.%-w...:ry4::::,%::= ,ig:::.fig.,-: ;;:;::;:::::::§-.:4Z2484:6;4').6:.iiii,::00::;,:i:/-:,:,:0:•,:ef,..:::%1; :5,.:30/1/4-•:;:::•:::§:E!iiii4.40';,::::4::?.:::,=: ,",2-1'1,-:::;g:g--:Iii'f::34.41:Z84;iiii4iii.'.:"ik'h.:.::::::-,:q,:::::::g::::::.,=... NA NA NA :-., :4.:••i',.. :..•, .•---•: :: ,... , ..-:.... . -......„...,...,...,...,. _. _.-.,:—.-,-.%,:', This response rellecalheji0diiiiduals'.:aCthie„duly status based ehlheAdflierDUIV.i"tatus Dale :021c..:;:::'s;/.:;.::;'.,!:;:-..1.;:l..."..r.:-,:V...-ii'-'1;•,:;-(---‘-'..,..-,q.1.'-'...-g',/,'-,1,-''..k;'-,l,',- igeiivl4b''et-EI''.i/Hru,"'IiWAsgilifa-4.iiIr6ftii.,4..eiiii.1)O',.-ifi-,A:4iiW.orrAr1::AOior::p4v$•■al.8pa.,g.,,,,i.,:.:;.,,,.,..,F.-,!r::!:,...-,:;:,!;.,T:.,,.--:.::,.:-.:_,_:..:.::;:._:,:....„......:.,,,,„:„_,..-.,;, --•.-:–.±"1,;..,:?!'....)..-::..-,.-..;.;,.-.''..::...;.:..,-,..,::...:,...,--'-:.:,..-.,,....,..,:i.:.,:.::-7,•.•il.y.i.,,-,,v..',:i...,,...,---i,!..5::. •26::Vi--flsiii"..04ti':Oie..j:i?.;g:;:i.;Vii. 4.:.:!;:';'. ll','-':2;'....1.::':'.'"...1•I'.?48:P:•:V0.1.7;::;:Mi'liil ::,•.,':',..:::';Y.,'.1...i,i..:a..giiiiiiV.,.35..1.0:';')i?,!?.;.i;.lh' -.,.:..,,.,:„.- _.-... .. . _ .. .. — NA NA ,..: .. :: . ,: •,...?..,.......,....,„..,,.„ .. .,.. ..,:....,,.....,..,:,..•::.,,....:•.• NA This re posse reflects tivhdili'llie individual lett aclive:chlW:A1414i0ilhlri,36.Vdays preceding the Actiyel.D_Uly Status Dale :021c..:;:::'s;/.:;.::;'.,!:;:-..1.;:l..."..r.:-,:V...-ii'-'1;•,:;-(---‘-'..,..-,q.1.'-'...-g',/,'-,1,-''..k;'-,l,',- igeiivl4b''et-EI''.i/Hru,"'IiWAsgilifa-4.iiIr6ftii.,4..eiiii.1)O',.-ifi-,A:4iiW.orrAr1::AOior::p4v$•■al.8pa.,g.,,,,i.,:.:;.,,,.,..,F.-,!r::!:,...-,:;:,!;.,T:.,,.--:.::,.:-.:_,_:..:.::;:._:,:....„......:.,,,,„:„_,..-.,;, --•.-:–.±"1,;..,:?!'....)..-::..-,.-..;.;,.-.''..::...;.:..,-,..,::...:,...,--'-:.:,..-.,,....,..,:i.:.,:.::-7,•.•il.y.i.,,-,,v..',:i...,,...,---i,!..5::. •26::Vi--flsiii"..04ti':Oie..j:i?.;g:;:i.;Vii. ;V6':-..2.V5...i!:,.;f...,:sltilp:,Ff_.-,i.?.:, ::,•.,':',..:::';Y.,'.1...i,i..:a..giiiiiiV.,.35..1.0:';')i?,!?.;.i;.lh' -.,.:..,,.,:„.- _.-... .. . _ .. .. — NA NA This response reflects whether:1he4Wil'H..7et•.Or1-fiSfieriithiSiseaeiVedeatlii.001i1.fcgliOita report for active duty Upon searching the data banks of the Department of Defense ManpoWerfia000tarkSedtin the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 4.800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 File #: NN123390 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servlcemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 194.0). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mt" URL: httpi/ www. defenselink .mil/faq/pis /PCO9SLDR.html, If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the Individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the Individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This Includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAH Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined In accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be Inducted, but who have not actually begun active duty or actually reported for Induction. The Last Date on Active Duty entry Is Important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN /date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: 08Y42848Y0D4GB0 File #: NN123390 EXHIBIT "A" ROBERT L. BAROSKA III, ESQUIRE NUDELMAN, KLEMM & GOLUB, P.C. 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 973 - 618 -0000 ID #306728 ATTORNEY FOR PLAINTIFF CAPITAL ONE BANK (USA), N.A. v. ANGELA R MURPHY To: Plaintiff(s) CUMBERLAND COUNTY COURT OF COMMON PLEAS Defendant(s) NO. 13 -6774 CIVIL ANGELA R MURPHY 11 MIDLAND DR MOUNT HOLLY SPRINGS PA 17065 -1828 Date of Notice : .FFB 2 2014 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford St Carlisle, PA 17013 (800) 990-9108 NN123390 Cumberland County Bar Association 32 South Bedford St Carlisle, PA 17013 (800) 990-9108 Robert L. Baroska III, Esq. NUDELMAN, KLEMM & GOLUB, P.C. 425 Eagle Rock Avenue Roseland, NJ 07068 (973)618 -0000 OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS CUMBERLAND COUNTY TO: ANGELA R MURPHY 11 MIDLAND DR MOUNT HOLLY SPRINGS PA 17065-1828 CAPITAL ONE BANK (USA), N.A. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY V. : DOCKET #: 13-6774 CIVIL ANGELA R MURPHY NOTICE OF JUDGEMENT OR ORDER TO: (X) Defendant(s) ( ) Garnishee You are hereby notified pursuant to Pa. R.C.P. 236 that the following order of judgment was entered against you on: day of a 19(.1 , 201 . (X) Money Judgment in the amount of $33,010.49, plus costs. (X) Entry of Judgment of: ( ) Court Order ( ) Non-Pros ( ) Confession (X) Default ( ) Garnishee ( ) Verdict ( ) Arbitration Award A copy of all documents filed with the Prothonotary in support of the within judgment are ( ) enclosed. If you have any questions concerning this notice please contact Plaintiff's counsel, Nudelman, Klemm, & Golub, P.C. at 973/618-0000. BY ORDER OF PR HO By: • PROT OTARY (OR DEPUTY) •